Insights on the Payments Industry: How We are Better Together

In the rapidly evolving payments landscape, maintaining customer focus while embracing innovation remains critical for financial institutions. This balance is at the heart of a recent conversation between Donna Blum of BHMI and Tammy Trilli, Senior Vice President of Commercial Payments at FNBO, featured in a "Pioneers in Payments” podcast episode.

With more than 34 years of industry experience, Trilli brings a wealth of knowledge to her current position heading FNBO's commercial payments division. Recently recognized as one of 2025's Most Influential Women in Payments by American Banker, Trilli offers valuable perspectives on navigating today's payment challenges and opportunities.

As financial institutions race to support market changes like payment speed and the digital environment, they cannot lose focus on providing a quality customer experience, Trilli said.

As financial institutions race to support market changes like payment speed and the digital environment, they cannot lose focus on providing a quality customer experience, Trilli said.

This customer-centric approach has been fundamental to FNBO's strategy as the bank continues to enhance its payment capabilities while ensuring seamless experiences for clients.

Trilli also addresses the critical issue of fraud prevention, noting, "It's not a matter of if – it's a matter of when." She stresses that while educating customers about fraud risks is important, financial institutions must go further by actively equipping them with protective tools and resources.

Perhaps most compelling is Trilli's vision for industry collaboration.

"We make each other better," she said, highlighting how partnerships across the financial ecosystem drive innovation and resilience. This collaborative philosophy aligns with FNBO Commercial Banking's approach of building strong relationships with clients and industry partners to develop solutions that address evolving business needs.

Watch the complete interview below to hear more of Trilli's insights on payment trends, fraud prevention strategies and the power of industry collaboration in driving positive change across the financial services landscape.