Angela Murphy, Ph.D., also known as Payments Elsa, is a thought leader in faster payments, artificial intelligence, and innovation strategy. She currently works at the intersection of strategy and insight in the payments industry, bringing emerging technology to financial institutions. Her background in B2B payments, eCommerce, and solutions integration informs her expertise on digital commerce and payments innovation. Angela regularly provides guest lectures and webinars for the University of California: Berkeley, University of Missouri: Bloch School of Business, Regnier Institute, and consulting firms around the world and is a Founding Fellow of Coruzant Technologies. Her thought leadership has been featured on various podcasts including The Payments Podium, Wrestling Payments, Cybersecurity Matters, Pioneers in Payments, PCN, and Versatile Ph.D.