PYMNTS sits down with Mark Smith, Head of Payments for Financial Services at AWS, and Mark Fieldhouse, CRO at Form3, to map how cloud native architectures are modernizing payments—shifting from lift and shift to re architecture focused on time to value, resilience, and security at scale. The conversation explores how Form3’s single API, Payments as a Service model gives banks and regulated fintechs multi scheme access while AWS shares the operating patterns that let lines of business innovate faster without sacrificing governance. Topics include cloud based testing and simulation that let engineering teams validate against real time and high value rails earlier in the data in motion orchestration that embeds sanctions, fraud analytics and AI at the point of payment, and what Form3’s U.S. expansion means for instant payments adoption.