In this Predict 2026 FinextraTV interview, Barry Rodrigues, Executive Vice President, Payments, Finastra, discussed the fundamental changes that need to happen in the payments industry in 2026 to keep pace with customer experience. Discussing persisting industry issues with legacy systems, Rodrigues explained that regulators expect banks to recover from failure in seconds and that their monolithic foundations offer little resiliency in such instances. He goes on to say that the days of batch payments are gone and consumers want increasing flexibility, using the example of immediate payment limits starting at £100 and now being closer to £100m. Rodrigues looks to the future, once again emphasising the importance of resiliency as a key factor, and splits the evolution of payment rails in 3 Horizons, describing them as 2 faster horses and now the era of the automotive.