In this interview, Dave Glaser, CEO of Dwolla and former Mastercard executive, describes how artificial intelligence and open banking are redrawing the B2B payments landscape. He explains that adopting machine learning models and predictive analytics makes it possible to optimize workflows, automate reconciliations, and detect fraud patterns more quickly, while open interfaces between banks and providers favor liquidity orchestration and innovation in business payments.
Glaser highlights the critical role of the ACH system within modern processes. Although it is not instant in all cases, ACH remains the backbone for recurring transfers, payroll, and reconciliations because it offers lower costs and greater compatibility with accounting processes. The transition toward real-time payments presents technical and regulatory challenges, and speed alone is not enough: it is essential to ensure integrity, resilience, and traceability in every transfer.
The executive warns that the real barrier in many corporations is not technology but inherited mindset. Organizations that continue to think in silos and manual processes slow down the adoption of solutions such as open banking and AI agents that automate decisions and enrich data. The next wave of fintech will not be won only by those who believe in speed, but by those who build trust, flexible infrastructure, and a customer-centric experience.
To solve these challenges, a modular infrastructure is key, combining traditional payments such as ACH with real-time payment capabilities and artificial intelligence layers that manage risk and optimize cash flow. In addition, cybersecurity must be native to the architecture to protect sensitive data and comply with regulations, thereby ensuring that the trust customers and banks demand is real and verifiable.
At Q2BSTUDIO we understand this paradigm shift. We are a custom software and application development company specialized in creating scalable solutions for B2B payments, integrating custom applications and custom software with artificial intelligence and cybersecurity services. We design secure cloud infrastructures with AWS and Azure cloud services, business intelligence services projects, and advanced dashboards with Power BI so that financial decisions are faster and more reliable.
Our capabilities include implementing AI for businesses and developing AI agents that automate financial processes, reduce fraud, and improve user experience. We combine integration with banking systems, open banking APIs, and ACH gateway connections to offer solutions that balance cost, speed, and security.
If your organization is looking to leave legacy thinking behind and adopt a flexible architecture that leverages artificial intelligence, advanced security, and the cloud, Q2BSTUDIO can help design and implement customized projects. We focus on measurable results: improving reconciliation, accelerating collections and payments, reducing risk, and delivering actionable analytics through Power BI and business intelligence services.
The future of B2B payments will require collaboration among fintechs, banks, and technology providers that prioritize trust and adaptability. At Q2BSTUDIO we combine expertise in software development, custom applications, artificial intelligence, and cybersecurity so that this transition is safe, efficient, and value-driven.
