Debbie Guerra, Chief Product Officer at ACI Worldwide, discusses omnichannel commerce, the shift to real-time payments, and the rising trend of digital fraud. They explore the concept of Anytime Anywhere Payments and how it's shaping consumer demands and retail trends. They also cover intelligent payments orchestration, the impact of FedNow, and the importance of local acquirers for cross-border commerce. Overall, the podcast dives deep into the evolving landscape of payments and the role of ACI Worldwide in driving this change.