Wharton FinTech Podcast Building Payments at a Global Scale
Jan 9, 2026
Cindy Turner, Chief Product Officer at Worldpay, boasts an impressive two-decade career in payments with stints at Visa and PayPal. In this engaging discussion, she shares insights on building payment solutions at a global scale, revealing the complexities of serving 185+ countries. She highlights AI's transformative impact on productivity and fraud prevention, and explores the evolution of liability models in fintech. Cindy also discusses Worldpay's strategic growth through innovative product launches and the challenges of competing in a dynamic market.
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Unplanned Career Found A Specialty
- Cindy Turner accidentally landed in payments after KKR bought First Data and then stayed in the industry for nearly 20 years.
- She progressed through roles at Visa, J.P. Morgan, PayPal/Braintree, and joined Worldpay to run product at a PE-owned portfolio company.
Scale Equals Massive Surface Area
- Worldpay's surface area processes about $2.5 trillion and one in eight global card transactions, creating immense complexity.
- Global scale forces the company to support diverse rails and rapidly evolving local payment methods across many geographies.
Structure Product For Global Delivery
- Build product organization around people, process, product bets, and platform to handle global complexity.
- Use matrixed leaders aligned to commercial lines and domain leads to deliver reusable services across merchant types.