“As consumer expectations shift toward instant, personalized experiences, messaging has emerged as more than just a communication tool — it’s becoming a new channel for commerce.

In this Summer School session, Solutions by Text Chief Product Officer Nick Babinsky joins PYMNTS to explore how real-time, two-way messaging is transforming bill pay, lending and customer engagement. We’ll discuss how businesses are embedding payments directly into SMS and RCS to simplify transactions, boost response rates and create frictionless customer journeys. The future of embedded payments isn’t just fast. It’s conversational.”