In this episode, Deborah Baxley, Director at Payments Consulting Network, sits down with Hitender Sachdeva, Vice President of Digital Products at Royal Bank of Canada to cover a broad spectrum of topics-- from SWIFT payments to real-time rails to open banking and global settlement, offering a meticulously detailed overview of the changes shaping the future of banking and financial transactions.    With a wealth of experience spanning over two decades in corporate and retail banking, this makes a comprehensive look into the latest trends, developments, and the driving forces behind payment modernization.