The Payments Experts Podcast
Expert payments attorneys discuss the electronic payments industry from a legal perspective.
The Payments Experts Podcast
AI Agents at Checkout: Are You Ready for Bot-Driven Commerce | Agentic Payment Transactions | PEP074
AI Agents at Checkout: Automation, Authenticity, and the Next Wave of Payments
What happens when AI agents start shopping and paying on our behalf—while merchants still have to trust the identity behind every transaction? In this special deep dive with Kevin Woodward of Digital Transactions (https://www.digitaltransactions.net/), hosted by Christopher Dryden, Esq., and Jeremy Stock, we unpack the fast-arriving tension between automation and authenticity: from AI-written copy and agentic commerce to the real-world controls that keep risk, compliance, and customer experience aligned.
Why this matters now
Agentic commerce is moving from demo to deployment. Real-time rails are scaling. State regulators are experimenting. And card-brand oversight, fraud, and chargebacks haven’t taken a day off. If you build, sell, underwrite, or operate in payments, this episode is a field guide to what’s changing—and what you can do about it.
What we cover (and what you’ll take back to your team)
AI voice vs. original signal: Where AI helps (summarization, QA, triage) and where it corrodes credibility—and how to keep content independent and useful.
Underwriting is still human: Faster KYC/KYB and onboarding at the edges—but real risk decisions hinge on verifying real people and real businesses.
VAMP, real-time, and instant payout rails: What FedNow, RTP, Visa Direct, and Mastercard Send mean for settlement, refunds, and dispute windows—and where the operational debt hides.
Agentic commerce trust stack: If a bot buys, who is liable? We dig into identity, consent, and verification, and discuss early moves that could make bot-to-merchant transactions acceptable at scale.
Checkout friction vs. choice overload: How to remove clicks without losing safeguards; practical patterns to reduce false declines while maintaining SCA/2FA integrity.
Regulation by patchwork: State-by-state experiments on interchange and pricing; why chargebacks still drain margins; where crypto and stablecoins are inching toward compliant, useful flows.
Differentiating in a commoditized market: Vertical expertise, better UX, richer data, and trustworthy support as the new moat when processing looks the same from the outside.
Modernizing the stack: Consolidating legacy platforms into API-first architectures and tapping open banking/pay-by-bank for recurring and bill-pay experiences that actually convert.
Who should watch/listen
ISOs, PayFacs, acquirers, processors, PSPs, risk and compliance leaders, vertical SaaS and marketplace operators, and anybody tasked with reducing fraud, raising approval rates, and keeping regulators calm.
Practical next steps you can implement this quarter
Stand up a bot-aware identity policy (consent logging, device fingerprinting, challenge flows) before agent traffic hits checkout.
Measure VAMP-relevant ratios and dispute signals per MID; align refund and settlement timing to new rails to blunt chargeback exposure.
Use AI where it’s defensible: document classification, web-footprint scanning, and attrition prediction—while keeping humans in the loop for final decisions.
Reduce choice overload at checkout; test pay-by-bank for bill pay and subscription use cases where it improves completion and lowers cost.
If this helps you see around the corner on agentic commerce and the controls it demands, subscribe and share with your ops, risk, and product teams—and tell us which piece you want us to unpack next.
**Matters discussed are all opinions and do not constitute legal advice. All events or likeness to real people and events is a coincidence.**
Visit Global Legal Law Firm today: https://www.globallegallawfirm.com/podcasts/
A payments podcast of Global Legal Law Firm
And it brings it to your attention. And the consumer has to decide. I know ChatGPT just introduced the buy button and its agent. So that's still reliant on the individual deciding to click that button.
SPEAKER_03:Well, it's the same as Google Alerts. I tell you what I want. It starts to prompt me. Right.
SPEAKER_01:Yeah, but it may be more you can kind of leave it on its own to find it.
SPEAKER_03:Yeah.
SPEAKER_01:You don't have to, you don't have to shepherd it.
SPEAKER_03:Yeah, exactly. Like you you basically put in a prompt and you know you come home and you got six options to look at.
SPEAKER_01:Yeah. Yeah. It sounds fantastic. But I don't know how many more bicycles I need. So I don't know if I'll use that.
SPEAKER_02:With winter coming, you don't need any. No, not around here.
SPEAKER_00:Welcome to the Payments Experts Podcast. A podcast of Global Legal Law Firm. We hope you enjoyed this episode.
SPEAKER_03:I know when I've seen commercials on TV that kind of, you know, of selling AI to the to them to the masses. You know, one of the things I saw was this commercial where the guy, you know, writes an email and then it says do this to it, and it changes it, and they're like, oh, did they really write this email? And you know, I mean, but in in the world of because I think in because we draft too, we're writers, and that's that's a it's a primary part of our job. And I do see a benefit to AI spitting out to you. You know, one of the things that I see most often with attorneys that is to me, because they've been taught wrong or they've taken models that are wrong, there's so much passive voice in attorney drafting, and I don't understand it. And we really try to refocus people on having active voice, like not being passive, being being forthright. And so I understand writing because it's part of what we do, and I do see the benefit that AI could provide to how somebody can shape how they they need to write or change or use it as a tool to teach you by giving you different examples. Are you seeing that in your own little world there? You mean my own experience? Not necessarily your experience, but I mean, you are in media and you are interacting with people in media and you are probably looking at other media sources. Do you see it take place?
SPEAKER_01:Um, I'm for sure I've read AI-generated press releases already, and probably have been for a while now. Um, my primary interaction with it is, you know, as a writer, uh, you know, I I have to take pride in what I write. And one of the things that one reason why I like digital transactions is we want to be an independent source of information about the payments industry. And so if I use AI to help uh maybe could run a spell check, something like that, but if you know, I'm not gonna use AI to write a story or to even do anything beyond just a spell check, maybe. Um, because we want to make it, you know, this is coming from a genuine someone's interpretation of what's going on. And you know, whatever the peop particular piece of information is. Um so it's genuine, it's authentic, and it's original. And I think that's one of the risks of employing AI too much or not judiciously, is you can lose the originality. And then if it gets if the language gets commoditized for whatever purpose, whether it's you know describing how uh what the acquiring process is like on your website or for how a a mobile wallet works, if all of a sudden you know people are using AI, they generate the same information, and where's the uniqueness? Where's the value?
SPEAKER_03:Oh, I agree with you. Like look, man, uh I couldn't agree with you more. I I like who I am at my core is exactly what you're talking about. I mean the homogenization of people is dangerous, period. Yeah, like whatever the symbolism, the things that go on, I I think we need to allow originality. I think it does so many things to benefit and drive people forward, you know. So I I respect what you just said greatly. Um, I think it's wonderful. I actually think I think you should we should take that blurb and and actually make a sound bite for whatever your next promotion is because I think that it's truly important. You know, I see people wanting to do things on speed, I I see people wanting to do things um to lower cost. And look, I appreciate all of those things. But at the same time, I do believe you lose quality at that point.
SPEAKER_01:Yeah. Uh age old question do you speed things up?
SPEAKER_00:Can you maintain the quality? Right. Right. Chris, we talked just the other day. We were talking about Stripe and VAMP uh scenarios. And a question I have, and I think a concern is that AI is moving at you know uh uh like speed, basically. And yet we know, as we mentioned earlier, it does come back to a person, right?
SPEAKER_03:And we were talking about how Yeah, I think what Kevin said is like so important, right? Yeah, the when you underwrite a merchant account, you're underwriting the individuals that own the business. A lot of times, especially with the new business, like that's great if they understand what their historical statements are and they know they've they've been in business for a long time, it makes it easier. But generally, generally speaking, you're underwriting the person that owns the business and or the people, and and I think that that's super important. I think I I not to interrupt you, Jared, because I kind of saw where you were going. There's a fascinating book I read about 15 years ago. Um I want to say the last name of the author is Costa, I believe. And it's called The Watchman's Rattle. And it is a historical analysis where great societies and history have faced a problem where logic doesn't solve it, and they trade belief systems for logic. And you know, so so I don't know if you've ever seen Apocalypto, which is a Mel Gibson film. But it's all about it's a fascinating film. If you if it look, anybody who's listening to this, if you get one thing out of this Apocalypto, go watch it. But it's a fascinating film, and the whole thing is about the Mayans before the Europeans came, and they had drought conditions and they had cisterns, which basically during drought would allow them to have water storage, and that went away. And it's about kind of the time period when this was happening where leaders had turned to human sacrifice to appease the gods to somehow appease the drought conditions, and they where logic or science had failed, belief systems took over to like kind of some illogical ways. And the whole purpose of this book, The Watchman's Rattle, is talking about the rate of change of technology is not keeping up with the rate of change of the frontal cortex and evolution, and you're gonna get gridlock, and we're gonna have some problems that have gridlock. And so I I think AI is going to produce some of these things where it's going to overshadow humanity. And I and Kevin, what I think it said is like the last couple points that you've made, uh like you're speaking my language 100%, like quality, uniqueness. That is what humanity is. And as we allow technology to drive too much, um, we're gonna have some real issues. Whether I don't know how they're gonna present themselves. I mean, I'm I don't have a crystal ball, um, but I I do see an environment ripe for problems as we allow a technology to take over. Like I told my family this morning when the internet came out, right? I'm a Cold War kid, I'm like you. I remember the cable system with the box and the cord and the three levels, and you punch the button. Yeah, totally. I mean, uh I'm dating myself, but I remember all these things. And when the internet came out, there was this idea of oh, this is how the world is gonna be, and yada, yada, yada, and blah blah blah. And then we had something called the dot-com bubble. So there is a saturation point to things happening. I think AI is gonna experience that because I just as I've been alive long enough, I've seen enough things, it's gonna happen. Um, don't know what that's gonna look like, but we're gonna have an environment that's extremely ripe with just prop like existential problems almost, maybe, because of what of the subject matter that we're talking about, you know. Let's get off the existential conversation. Tell me, from a digital transactions perspective, what outside of AI do you see kind of as like a driver of things that are happening that are really uh important in that you believe are important in payments?
SPEAKER_01:Yeah, well, you know, that that's a great tie-in because our November issue is each year the 10 most pressing issues in payments as we see it. Top of our list is VAMP, but then we also see like use cases for real-time payments. You know, FedNow and RTRTP's been out for a while. FedNow is more than two years old now, and there's all sorts of other real-time payments that fall into that, like Zell, uh Visa Direct, MasterCard Send, um a lot of other ones. Uh you know, we see checkout friction continues to be an issue whether my watch is doing that.
SPEAKER_03:Um what do you attribute the checkout friction to?
SPEAKER_01:Uh you know, there's a lot of factors. I I think uh one, there's more and more people going online, whether it's on their phone or on a desktop or a tablet to conduct commerce. And now it's definitely spreading, definitely saturating into more generations. So older generations, younger, even younger generations. Um, maybe not the you know, 20 to 50 age group that might be considered prime for e-commerce. Um I think it's that there's a lot of payment options as well. So I think there's a lot of there's the need to kind of streamline that the merchant you know wants to try and streamline the checkout process. Well, they still give the consumer a choice to choose to pay however they want, but it's still easy enough to do it not to induce frustration or uh or abandonment, you know, the the pain of e-commerce. Uh the other thing we see going on, uh unfortunately ties right back into AI, is a genetic commerce. That's gonna be a whole new level of e-commerce going on. I know Google just came out with its agent payments protocol on how it's gonna uh approach agenti commerce. Regulation is always an issue, even in a even when there is a political climate where maybe there's not so much emphasis on it, there's still enough emphasis on regulation. And that's not just state and uh federal, there could be local issues, uh card brand rules. Yeah, I think along those lines.
SPEAKER_03:We're seeing a lot of that. I mean, the the Illinois lawsuit, uh, the Illinois legislation to to remove interchange on sales tax and freight, and then Colorado's got something on the books that they're trying to pass. It's totally different. I mean, when we have an absence of federal standardization, we're gonna get a hodgepodge among the states, and some are much more active than others. And yeah, I mean, I I I talk about that on this program. You know, we try to we try to stay away from politics. Unfortunately, you know, there is you know some sort of oversight that in it uh it's limited, but there's oversight in our space, and where we don't have oversight happening, I agree. If it's not there at the federal level, then you're gonna start to see things happen at the state level. We're in California, so we see all sorts of state activity. Um, you know, especially with financing, and and so I I look at it and you know, I'm I'm wondering what they're gonna do to try to. I mean, when the Illinois thing came out, I was like, well, Visa MasterCard is not constructed to deal with this. Like, I I wouldn't even know how they know how how what I I mean, Illinois, I understood its purpose, but then at the same time, I kind of looked at it and went, okay, well, even if you guys are successful, what would happen if every single one of your residents can't participate in the payments ecosystem because Visa MasterCard can't deal with this, right? I mean, like, you know, they can't structurally operationally handle what you're telling them has to take place. Now all of a sudden they just do a geo block on anybody in Illinois. You know?
SPEAKER_01:Yeah. Yeah. Well, when's that uh come up? Next year in Technology.
SPEAKER_03:Yeah, I mean you know, things get lost in the court system. Yeah, I there's no rhyme or reason to how fast things are moving.
SPEAKER_01:And is yeah, um the governor is a little preoccupied right now, too.
SPEAKER_03:I would I I I would say so. I would say so. Yeah, it was funny. I was talking to somebody from Chicago this morning, and I said, Hey, you guys getting ready for the deployment? He's like, What are you talking about? They're already here. And I said, Are you serious? And this guy lives down in the loop. And I said, That's funny. He said, I said, that's funny that they're there. I said, the loop is one of the safest places in any metropolitan American city that you could possibly be in. He says, Yeah, I don't understand why they're here. They missed the mark by about 10 miles. They need to move south by like 10 miles. There's a few neighborhoods that I could tell them to go to, you know.
SPEAKER_01:Right. I'm sure they're there too. Uh, but the so going back to the other things that we see as important issues facing the payments industry now, uh, chargebacks. I mean, everyone deals with it, and uh there's all sorts of uh services out there to help merchants manage their disputes. You know, it's a big loss, uh, can be a big loss for them. Crypto and current cryptocurrency and stable coins. That's gotten to be more of a an interesting topic now, especially because there's much more at the federal level, much more interest in enabling stablecoin use. You know, how that plays out, we're not sure. There's still a lot going on, uh, a lot of information. I think we just had something about Ripple had an investment in its current in its crypto. Um the other thing, a perennial topic in acquiring is the commodification of payment processing. You know, and we think that's a big issue because uh acquirers and processors and gateways and POS system companies and POS device companies, if that's what they build on, then they've got all got to find something unique that they can sell, some value proposition that no other competitor can have. So you know, and there's a lot of companies that can sell you a terminal. And a lot of companies can sell you a cloud-based POS system. What's gonna make them different? How are they gonna be better suited to your to your business and the competitor? Uh legacy platforms is another big issue we see in the industry. I know several years ago, Global Payments had, I think, about nine processing platforms through various acquisitions. And they had a huge project to get it to whittle it down to two or three. I'm not sure how many they have now, but you know, we're all familiar with Pfizer, well, First Ada back then, having multiple platforms all through acquisitions. Um, but that extends to even a little bit farther down into the payments industry, I think. Um we all want the all the companies want a platform that can adapt. And not all technology, even from like five years ago, was capable of doing that. And open banking, we think there's another big issue there that uh that could have a lot of impact on payments. Um personally, I see it, you know, open banking could be a gateway to pay by bank, which is still very much a concept at this point, even though there are practitioners of it, uh providers of it, and we're and frankly, we're all used to it because we all use AC ACH. Um, that's a pay-by-bank option. It's just not a just not an instant one.
SPEAKER_00:Uh that's kind of my rundown. Our listeners, can you speak to what open banking is? Can you define it for us and talk about that a little bit? Sure.
SPEAKER_01:So it's the concept of being able to share a consumer's merchant or banking account with a merchant in a secure way. Uh companies like Plaid and MX Technologies, I believe, are big in that space. Um, you may recall Visa tried to acquire Plaid a few years ago and that didn't go through. Um what they do is they establish a connection. The merchant, it's they're like a conduit, the open banking providers. There's a merchant on one side and then the consumer's bank account on the other end. So open banking is that secure way to transmit that financial data back and forth. Um you know, it could be used for bill payment. It's a very uh easy way. I think I have used it for bill payment. Um, for recurring payments, that's a very handy way to do that.
SPEAKER_03:Um it's human tokenization.
unknown:Right?
SPEAKER_01:In a little bit, yeah.
SPEAKER_03:To a certain degree.
SPEAKER_01:Yeah, and it's also maybe a way for the merchant maybe to um maybe not have card processing costs uh associated uh with every transaction. Um so that's kind of what we see as the big issues in payments right now. Um, or big issues, not necessarily concerns, but also opportunities. Because, you know, that's the way payments is, is every time there is something that you think is a setback, it potentially has got a way to be a positive thing. You know, look at the EMB migration 10 years ago, and that was a huge headache for everyone. Certifications were slow, they were delayed, merchants were didn't know why they needed new terminals. Um, acquires, you know, no one wants to disrupt your relationship to create opportunity for attrition. Um but it then it turned out you know, it came along with tokenization. And those terminals had NLC readers in them. So then once you know Apple Pay came out, that was developed hand in hand with tokenization. Um that was an opportunity for another a new way for consumers to use the cards. Maybe in uh for the card brands, maybe as a way to displace cash. You know, that's very much something on the you know, a big uh big uh important goal for the electronic payments industry. Um I think you know there's a lot of opportunities in that list in that roster of things that might be issues.
SPEAKER_03:So how you know you can answer this, you cannot answer. It's up to you. How do you at digital transaction choose what you guys focus on? Like what is uh what is kind of some of the the what drives your decision making as far as where you focus your because you got when I read your magazine, it is definitely hyper focused on certain areas. And uh, you know, that has to because look, there's uh all sorts of stuff happening, also sorts of stuff that you could report on, but you're not you you know, you you choose what what what kind of drives that decision making process at digital transactions?
SPEAKER_01:Well, uh you have to think there's only so many of us. Yeah. So like any enterprise, you know, we we can't write 20 hours a day. Um so we have to choose what's the best use, what what might have the most impact. You know, this goes back to the old standard who, what, where, when, how, why uh journalism? Where that's how you, you know, what makes the news is what's gonna have the most impact, who's gonna influence the most, is it novel? I mean, these are all considerations. Is this what people in the industry as we go out to shows and we're talking to people or we hear things? Um you know, is this what everyone's talking about? They're talking about you know, uh 4K kitchen display monitor is the next big thing. You know, might be overkill for a kitchen display system monitor, uh, but maybe somebody's found a way to do it and makes you know make lots of money from that.
SPEAKER_03:Yeah, I was envisioning like Jason Robards and all the president's men with everybody sitting around the table trying to figure out figure out like Metro, what you got in Metro?
SPEAKER_01:Well, now, you know, we we have uh daily meetings to talk about what goes in the newsletter. Um and and twice a day and as needed, uh, you know, there'll be news that comes along that we weren't expecting, and we've got to discuss what we want to do with this. Uh you know, but a lot of the times for the news for the daily newsletter, that's kind of the product of what's going on in the news cycle. You know, did Pfizer have a big announcement? You know, is Shift Four gotta make another acquisition, that sort of thing. Um for the magazine and the longer pieces, it's it's more about okay, what it's kind of like a culmination of what's going on at the moment. What is it that people seem to be on a lot of minds? What are is all of a sudden are all these companies jumping into agentic commerce? Okay, you know, that's that's a kind of tells you there's a lot of interest there.
SPEAKER_03:For our listeners, can you explain that?
SPEAKER_01:So agency commerce is using an AI agent in stuff in lieu of the actual person. So let's say I want to look for a cardigan for the winter, um, but I don't have time to do it myself. So maybe I can set up an AI and a genetic commerce agent. Say, look for a blue cardigan, button closures, uh my size, uh made out of this material. And then it'll just go and search, or it'll wait. AI exactly. It finds one.
SPEAKER_02:Yeah. AI, right?
SPEAKER_01:Yeah, like an AI shopping assistant in many ways. Yeah. But the risk here is how does the merchant know that that's a legitimate AI agent representing a legitimate agent agent.
SPEAKER_03:You just actually like that right there, even for our own internal spend here. Like, I I need to get people on that because we buy all sorts of stuff as as a business. And I don't know what the thought making process is going into some of it. So, like we I'll give you an example of what you just described. We are going to buy a water filtration system for the building that we're in instead of getting bottled water, and that way, you know, we looked at what we were spending on bottled water, we looked at kind of like the labor associated with it. One time, throw it in, boom. This is where people can go get it. It's totally purified. It's built in, it's built into the building, and we were like one time cost. There's probably a filter cost here and there, but ultimately that seemed like money well spent, and we never have to deal with that vendor anymore. We're gonna kill it. But you know, it's that thought make that thought process of how do I, you know, basically spend less, get same or better quality, and stop the recurring spending. What you just described is great, you know?
SPEAKER_01:Yeah, but it's you know, and then consumers got to be able to trust it as well. Um, and that's I think why uh Google came out with this agent payments protocol. It's all an effort to help make that legitimate and safe and trustworthy for the merchant, for the processor, and for the consumer.
SPEAKER_03:Yeah, that's fascinating.
SPEAKER_00:Kevin, if I understand this correctly, is this AI agent, is it actually doing the transaction? Is it also making the payment, if you will? Uh initially.
SPEAKER_01:So far, from what I know so far, I don't think it actually is. I think it brings it to you and it brings it to your attention. And the consumer has to decide. I know chat GPT just introduced a buy button in its agent. So that's still reliant on the individual deciding to click that button.
SPEAKER_03:Well, it's the same as Google Alerts. I tell you what I want. It starts to prompt me. Yeah. Right.
SPEAKER_01:Yeah, but it may be more you can kind of leave it on its own to find it.
SPEAKER_03:Yeah.
SPEAKER_01:You don't have to, you don't have to shepherd it.
SPEAKER_03:Yeah, exactly. Like you you basically put in a prompt and you know you come home and you got six options to look at.
SPEAKER_01:Yeah, yeah. It sounds fantastic, but I don't know how many more bicycles I need, so I don't know if I'll use that.
SPEAKER_02:With winter coming, you don't need any. No, not around here.
SPEAKER_01:Not in Chicago, unfortunately.
SPEAKER_03:All right. Well, look, man, this has been great. Um what would you like to leave us with? Uh, you know, I mean, it's we always give our our our uh counterparty here the last word, but uh if there's anything that you would want us or our our listeners to know, either about digital transactions, payments, yourself, take it away.
SPEAKER_01:Yeah, I I just like to say that, you know, digital transactions, we want to be an independent, authoritative, and credible source of information for people in the payments industry. And the way we do that is by talking to people and hearing from them. Um that's the most critical thing is that we can publish our products, but we need to know, you know, we're we don't have the day-to-day operations in payments itself. Um, though I have joked we should start an ISO, but there'd be a conflict of interest.
SPEAKER_03:Yeah, well, it'll let me say this. And I will, and normally I'll give you the last word, but I'm gonna editorialize what you just said. Um I I think that what you do is extremely important. And I think that you said something earlier today that you don't necessarily get people reaching out to you, but I think that there are a lot of issues that operationally people are experiencing. And I hope that this podcast shows people in the marketplace that digital transactions is a place that they can go to discuss some of these issues. So tell people how they get a hold of you.
SPEAKER_01:Well, they can email me, Kevin, at digitaltransactions.net, is the best way. Um, I really don't have any social media.
SPEAKER_03:I don't blame you. Well, but but but look, I I I think I really appreciate you coming on because I I um the no Joe.
SPEAKER_01:Oh, thank you. I really appreciate it.
SPEAKER_03:Is really how I educated myself. And I'm gonna throw a shout out to Paul Rianda when I came into this marketplace. Oh, yeah. Paul is a great resource, great resource, and very generous with his time with me. When I had an issue for sure, I and I needed somebody to give me some background. I Paul's up the road. I would call Paul, and he has always been cool. I I worked on something with him last week. He's all he's a great guy, he's always easy to work with. And when I would go online and and look for information, he would be the guy that was putting out the most content. And so, and and a lot of it today, even stuff that he wrote 15 years ago, is relevant. So I I will say, and he's also been uh You know, a contributor to digital transactions to ISO and agent. And so, and so, but these are the places that I would go to learn, to see what was happening, to see what was going on, to see how we could focus. And we weren't always the greatest. That was just for delivering services to people. But I think that you're a valuable um representative in our community. And I think that as things go on, people should reach out to you. And so I want to I want to thank you for being on. It's it's really, really big for us.
SPEAKER_01:Yeah, thank you. Those are that's very kind of you too. I really appreciate it. And if you see me at a conference, come up to me and approach, and you know, I'd be glad to talk to you.
SPEAKER_03:For sure. I see Bob every time. Like I just give the good give the wave, you know, he's out walking the floor. Um oh yeah, yeah, for sure. But yeah, I'll see you uh, you know, then NAA is in Boston, so I'll be at that one. Um I'm not going to Money 2020 because I usually am priced out of that one, but uh it's gotten really expensive to go to Money 2020. So unless you've got a true agenda, I I I usually skip it. But I do think that's a valuable place to uh see what's kind of coming down the pipe, too. Yeah.
SPEAKER_00:Kevin, I gotta tell you, this is six years ago when I started with his firm. I'll never forget it, Chris. We're at our past office. Chris comes walking in. I'm I was a newbie. He goes, he had a copy of digital transactions in his hand. Jeremy, if you want to learn this industry, read this. You should read this all the time. To this day, I get digital transactions every day in my inbox. And believe it or not, I do. I you know helps us know.
SPEAKER_03:We did we distribute, we distribute. I distribute your I make everybody sign up for your daily. Yeah, like it's yeah, you know, when I've got attorneys with idle time, I'm like, go read this. Go read this. This is what we do. You should be you your knowledge base in this should be increasing at all times when you're here, if not through the work, then through publications like this. And so uh literally everybody here reads the digital transactions.
SPEAKER_01:Oh, it's good to know. I really appreciate that.
SPEAKER_03:Yeah, yeah. All right. Well, thank you, Kevin Woodward. Thank you, Digital Transactions is a really good show. I really appreciate your time.
SPEAKER_00:Thank you for listening to this episode of the Payments Experts Podcast, a podcast of Global Legal Law Firm. Visit us online today at Global Legal Law Firm dot com. Matters discussed are all opinions that do not constitute legal advice. All events or likeness to real people and events is a coincidence.