Bank Funding Conference: Bank Funding in the Age of Instant Finance

On Friday, November 13, 2026, the Federal Reserve Bank of Boston and the Federal Reserve Bank of Dallas will host the third annual bank funding conference. This hybrid event—in person in Dallas and virtual —is a forum for policymakers, academics, bankers and practitioners to debate and discuss how technological change, new forms of money and evolving policy tools are reshaping bank funding and financial stability. Visit the Dallas Fed's conference webpage for more information, including a link to registration. Preliminary agenda as of August 26, 2026: With the growth of new products both within and outside of the banking system, this session will explore the implications for bank funding mix, composition and cost. Banks in the Age of Stablecoins: Some Possible Implications for Deposits, Credit, and Financial Intermediation Jessie Jiaxu Wang, Federal Reserve Board Banks in the Age of Stablecoins: Lessons from Their Historical Responses to Financial Innovations Sam Hempel, Federal Reserve Board Moderator: Kenechukwu Anadu, Federal Reserve Bank of Boston Scott Frame, Bank Policy Institute Matt Scurlock, Texas Capital Bank Moderator: Kenechukwu Anadu, Federal Reserve Bank of Boston This session will explore ways always-on payments may enable corporate treasurers to optimize working capital, streamline vendor relationships or enable data-rich forecasting and explore whether and how non-financial companies are adapting treasury management in the age of continuous banking. Moderator: Sam Schulhofer-Wohl, Federal Reserve Bank of Dallas This session will explore how transformation in the payment, clearing and settlement space—including 24/7 operations, tokenization, instant settlement and improvements to cross-border payments—could impact bank liquidity. The Effect of Instant Payments on the Banking System: Liquidity Transformation and Risk-Taking Yiming Ma, Columbia University Settlement Speed and Financial Stability Jin-Wook Chang, Federal Reserve Board Moderator: Melissa Leistra, Federal Reserve Board Bernadette Ksepka, FedNow Moderator: Melissa Leistra, Federal Reserve Board As banks evolve for the next framework of bank funding, this session will explore the integration of legacy systems, infrastructure needs and technology investment decisions, possible partnership models and risk management, and emerging threats in a real-time environment. Angelena Bradfield, Financial Technology Association Brian Cook, Charles Schwab Anders Brownworth, Radius