4 BANKING PERSPECTIVES QUARTER 4 2018 U P F R O N T 9 For the Record TCH has made a commitment to all banks, and to the nation, to deliver faster payments via the RTP network. by Jim Aramanda, The Clearing House 12 Leader: Future of Payments Secure and safe consumer financial data aggregation, tokenization, and real-time payments will shape the industry for years to come. F E A T U R E D A R T I C L E S 28 RTP at 1 Representatives from seven companies explain how the RTP network is shaping the future. It’s Time Your Payments Caught Up to the Way You Do Business: In Real Time by Sue McBride, BB&T RTP: An Investment in the Future by Alberto Casas, Citi RTP: This Train Is on the Track by Jeff Plagge, Northwest Financial Corp. Why RTP Matters by Keith Riddle, Corporate One RTP Closes Payment Gaps by Carrie Reyna, Sysco RTP: An Opportunity to Show Leadership by Andrew W. Kirk, Trion Solutions, Inc. Billing Technology: The Next Generation by Bill Morrison and Lisa Gawlak, Transactis 52 A Matter of Trust Improving consumer financial data sharing practices requires enhancing security, efficiency, and convenience. by Peter Davey, The Clearing House 60 Tokenization Secures Mobile Payments As consumers adopt digital payments, tokenization plays a key part in a frictionless, simple, and secure experience. by Gavin Michael, Citi 64 Crypto-Assets: What Are They and Why Do We Care? As crypto-assets continue to expand, legal and valuation questions associated with them will continue to evolve. by Oliver Ireland and Susan Gault-Brown, Morrison & Foerster THE QUARTERLY JOURNAL OF THE CLEARING HOUSE AND BANK POLICY INSTITUTE Q4 2018, VOLUME 6, ISSUE 4 S T A T E O F B A N K I N G 18 Bill Rogers, SunTrust Bill Rogers, chairman and CEO of SunTrust, discusses the role banks play in boosting the economy, helping communities recover, expanding into new markets, and more with Jim Aramanda, CEO and president of TCH.