On this episode of Payments SmartCast, Nacha's Robert Unger and Kinexys by J.P. Morgan's Robert Gossett discuss how the integration of Phixius and Kinexys Liink is helping address account validation challenges in the fragmented U.S. payments ecosystem. The conversation also explores the future of account validation, with both organizations envisioning a shift from reactive verification to predictive solutions enabled by broader connectivity and data sharing.