Angela Murphy, Ph.D. -- widely known as Payments Elsa -- is a leading voice at the intersection of faster payments, artificial intelligence, and fintech innovation. With a Ph.D. and nearly a decade of hands-on experience spanning payments, solutions integration, artificial intelligence, and financial technology strategy, Angela bridges the gap between emerging technologies and practical implementation, helping financial institutions transform how money moves. Currently serving as Vice President of Marketing and Solutions at Pidgin, Angela works with banks, credit unions, and fintechs to navigate the complexities of real-time payments, behavioral AI, and digital infrastructure modernization. Her career includes commercializing one of the largest closed-loop card products and invoicing networks in the United States, and her background in dynamic solutions integration gives her a distinctive lens on digital commerce and payments innovation. She grounds her work in deep market insight and a relentless drive to make complex financial concepts clear, actionable, and inclusive -- for industry leaders and everyday users alike. A sought-after speaker, podcast host, and educator, Angela delivers webinars and keynotes for payments associations, industry conferences, and online education programs, including The Clearing House and NACHA. She guest lectures for UC Berkeley, the University of Missouri's Bloch School of Business, and the Regnier Institute for Entrepreneurship and Innovation. She is a passionate advocate for diversity, equity, and representation in financial services and technology. Her unique academic and global background -- including research experience across Sub-Saharan Africa, Asia, and Europe -- shapes her commitment to payments innovation that works for everyone. As host of the podcast series "Icebreakers in FinTech," she brings together industry experts to demystify the payments ecosystem for a broad audience. Her thought leadership has been featured across global podcasts and media, including The Treasury Whisperer, The Payments Podium, Cybersecurity Matters, PCN, Off the Rails, Wrestling Payments, and Versatile Ph.D. Angela is a graduate of the PayTech Women Executive Academy and the Money20/20 RiseUp program, and she was named the 2024 Emerging Trendsetter by PayTech Women.