Sulabh Agarwal, Accenture's Global Head of Payments, discusses the changing landscape of the payments industry and the role of technology in driving innovation. He emphasizes the importance of resilience, security, personalization, and disruptive technologies for the future of payments. The podcast also explores the application of generative AI in heavily regulated industries, overcoming resistance to change in financial institutions, personalization in the payment space, and leveraging customer behavior data for sustainable financial decisions.