Sanjeev Dheer, President, CashEdge Division, Fiserv
John Feldman, General Manager, clearXchange
Arkady Fridman, Financial Innovations Business Development Manager, PayPal
Moderator: Patricia Hewitt, Director, Debit Advisory Services, Mercator Advisory Group

Person-to-person payments, more commonly referred to as P2P, are being offered by more and more financial institutions -- as well as payment providers and third parties. While the current product offerings are scattered among varying sizes of institutions, these implementations have been somewhat siloed, potentially hindering widespread adoption and efficient usage.

• How should the P2P ecosystem evolve? Should we focus on strategic collaborative efforts at an industry level?
• Who or what are the potential target markets for current P2P profiles? Will the current P2P profile lead to expanded use, such as person-to-business?
• Could Dodd-Frank influence our modeling and delivery to our customers?
• How can we ensure the channel's security and our customers' protection?