AI Real in Payments, Agentic Workflows Explained
Summary
NACHA published an article exploring AI adoption in the payments industry, featuring perspectives from Identifee and Nacha Consulting on agentic workflows and automation. The article discusses how financial institutions are using AI for fraud detection and operational efficiency, with AI agents performing tasks with minimal human input.
What changed
NACHA, the National Automated Clearing House Association, published an informational article discussing AI adoption in the payments industry. The article features perspectives from Kevin Miyamoto of Identifee and Mark Dixon of Nacha Consulting on agentic workflows, where AI agents perform tasks with minimal human input. Examples include using AI prompts to analyze datasets, identify anomalies, and automate reporting tasks like those currently done manually in tools such as Power BI or Tableau.
Financial institutions and payment processors should note that the industry is in an analytical stage regarding AI adoption, using tools in controlled environments before expanding deployment. The article suggests that human workers will transition to roles supervising AI agents rather than performing manual operational tasks directly.
What to do next
- Monitor for updates
Archived snapshot
Apr 13, 2026GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.
Posted on
April 13, 2026
Share post
How real is artificial intelligence in the payments space?
“It’s very real, and it’s only going to get much, much better,” said Kevin Miyamoto, Co-Founder and COO of Identifee, a platform that helps financial institutions enhance customer engagement while automating manual tasks. Identifee is also a Nacha Preferred Partner.
While the payments industry is generally proceeding cautiously with AI, Miyamoto said the “next frontier of AI for banks and credit unions really is focused on agentic workflows,” in which human input is minimal as AI agents perform tasks. On Nacha’s Payments SmartCast podcast, Miyamoto used fraud as just one example.
“Today you might have someone manually pulling reports, putting it in Power BI or Tableau or another tool, having to know what to query, sharing those reports over email, and then figuring out, ‘Hey, what do I actually do with this?’” said Miyamoto.
“What’s really great about AI is that with a simple prompt that you can program to run at whatever frequency, you can say, ‘Hey, I want you to look at this dataset or this database and find anomalies,’” and then alert someone or perform an action.
Mark Dixon, AAP, AFPP, APRP, CTP, NCP, Nacha Senior Consultant, said Nacha Consulting is doing more technology assessments in conjunction with the other reviews it performs for clients. What are they seeing?
“A lot of organizations, especially in the financial services space, are in this analytical stage when it comes to AI. They’re starting to use the tools as they can in a more controlled environment and figuring out how can we actually expand that and use them more as we move into the future,” said Dixon.
Miyamoto and Dixon will be among the panelists at the April 28 Smarter Faster Payments 2026 session “AI in Action: Unlocking the Future of Payments Operations.” On the podcast, both acknowledged what Dixon called “the people piece of it—because everyone always gets scared when we talk about AI and how it automates, and the functions it takes over.” But they believe humans will still have important, albeit different, roles.
“The more we mature this, even when we look at it from a payments operational perspective, you’re freeing up resources to have them work on more complex aspects, and you’re leveraging their knowledge in a much more effective way,” said Dixon.
Miyamoto agreed, saying, “The new kind of future role, I think, is going to be people who work side by side with agents and become almost like a taskmaster, if you will.”
Much more was discussed, and you can listen to the complete podcast below.
For details on Smarter Faster Payments 2026, April 26-29 in San Diego, visit the conference website.
Podcast
Related Content
Education Podcast
A ‘Chill Vibe’ Awaits Payments Attendees in San Diego
March 31, 2026
Nacha Honors the 15 Under 40 Award Winners for 2026
March 18, 2026
The Unique Role Community Banks Play in Fighting Fraud
March 16, 2026
Beating the Deadline for Continuing Education Credits Yields a Nice Reward
February 25, 2026
Inaugural National Nacha Accreditation Day Honors Nearly 6,000 Payments Professionals
February 10, 2026
Phixius by Nacha and Kinexys by J.P. Morgan Integration Goes Live, Expanding Multi-Responder Account Validation Network
February 5, 2026
From New Rules to a New Accreditation and More, a Busy 2026 Ahead at Nacha
January 29, 2026
Nacha Operating Rules Risk Management Blog
Next Steps for the New Nacha Risk Management Rules
April 3, 2026
Related changes
Get daily alerts for NACHA News
Daily digest delivered to your inbox.
Free. Unsubscribe anytime.
About this page
Every important government, regulator, and court update from around the world. One place. Real-time. Free. Our mission
Source document text, dates, docket IDs, and authority are extracted directly from NACHA.
The summary, classification, recommended actions, deadlines, and penalty information are AI-generated from the original text and may contain errors. Always verify against the source document.
Classification
Who this affects
Taxonomy
Browse Categories
Get alerts for this source
We'll email you when NACHA News publishes new changes.
Subscribed!
Optional. Filters your digest to exactly the updates that matter to you.