Ingo’s Edwards Credits ‘Culture of Possibility’

Technology can reduce risk, improve security and optimize customer interactions in banking and payments, Ingo Pay CEO Drew Edwards writes in the new PYMNTS eBook, “The Mindset of Change: How to Achieve It by 2025.”

Innovation and growth have always been at the heart of Ingo Payments’ journey. From our origins operating bank branches for underserved communities in Atlanta to our evolution into the leader and architect of money mobility, our commitment to asking “what if” has shaped the our way The acquisition of Deposits represents a revolutionary step forward, embodying the “yes, and…” thinking that drives us to continuously innovate and create value for our customers. .

Move from ‘No, Because …’ to ‘Yes, And …’

Internally, Ingo Payments develops a culture of possibility by listening to our clients and shaping our efforts around their needs. We challenge traditional paradigms by empowering our teams to think deeply about solutions rather than focusing on constraints. Claiming Deposits reflects this approach. Instead of relying on internal assumptions, we ask purposeful questions:

• “What else can we do to provide more value for our clients?”
• “How can we use our expertise to address their most pressing challenges?”
• “What does a platform look like that simplifies innovation while ensuring compliance and scalability?”

These questions helped us reimagine embedded banking, resulting in a vertically integrated platform that seamlessly integrates ledger, issuance, payment and compliance capabilities with flexibility and scalability that our clients need to change.

Technology as a Catalyst for Industrial Change

Emerging technologies are essential in driving the transformation of the payment and banking industry. Artificial intelligence (AI) and machine learning (ML) are especially powerful for predictive risk management and operational efficiency. At Ingo Payments, we use AI-driven insights in our inbound account funding solutions – spanning check, card and ACH – to reduce risk, improve security and optimize customer interactions. Paired with our zero-liability fraud guarantee, this approach ensures clients can scale operations confidently while protecting their customers.

While AI and ML optimize processes behind the scenes, our no-code and low-code solutions ensure that innovation is accessible to every organization, regardless of technical expertise . These tools empower organizations to bring new products to market faster, without the barriers of legacy infrastructure. This democratization of financial technology underscores our belief that the future of payments lies in ease and flexibility.

Ask ‘What If’ and Act On It

At Ingo Payments, our “yes, and…” thinking drives us to keep asking, “What if?” This approach extends to rethinking the financial ecosystem as a whole. The acquisition of Deposits is guided by one such question: “What if we could integrate the fragmented financial processes into a platform that meets the needs of modern consumers and businesses and in doing so provides power of the ecosystem to create new economic possibilities for our clients?”

By answering that question, we’ve expanded our capabilities beyond payments, enabling clients to create feature-rich accounts, integrate real-time payments, and simplify embedded financials. solutions. This bold move opens up new opportunities for growth — not just for Ingo Payments, but for our customers and the industry as a whole.

As we continue this journey, we remain committed to asking “what if” questions and delivering tangible solutions. At Ingo Payments, the future isn’t just about adapting to change – it’s about anticipating it, shaping it and leading it.