The Path To Faster Payments Ubiquity Starts With You

FPC-ASC X9 Joint Standards Steering Committee

Objective

Driving Ubiquity Through Standards Leadership

The FPC–ASC X9 Joint Standards Steering Committee (JSSC) was established to address standards-related challenges that limit the adoption and scalability of faster payments. By combining the U.S. Faster Payments Council's (FPC) real-world industry expertise with ASC X9's trusted technical standards development infrastructure, the JSSC serves as the industry's central forum for strategic standards alignment.

The JSSC's primary objective is to enable a high-quality, secure, and consistent faster payments experience through the joint development and application of interoperable technical standards that drive alignment across the payments ecosystem.

Committee Focus

A Bridge Between Industry Needs and Technical Solutions

The JSSC functions as a critical bridge between industry pain points and actionable technical solutions. Its work is authoritative, technical, and trusted — translating real-world implementation challenges into structured standards activities that accelerate industry progress while reducing friction across payment rails.

Interoperability

Seamless communication across diverse payment rails, aligned with global frameworks such as ISO 20022.

Standards Alignment

Coordinated, end-to-end standards development across FPC strategic priorities and ASC X9 technical committees.

Technical Excellence & Security

The same technical rigor, resilience, and security that characterize ASC X9's long-standing leadership in financial services standards.

High-Level Framework

Flexible, Disciplined, Built for Scale

The JSSC operates under a framework designed to support faster payments modernization at scale.

Holistic Industry Alignment

Maintain alignment between the FPC's strategic priorities — Reach, Experience, and Trust — and ASC X9's technical committees for a coordinated, end-to-end approach.

Agile Intake & Response

Serve as the industry's "eyes and ears" — identifying emerging needs, assessing standards readiness, and translating insights into a prioritized roadmap.

Interoperability

Facilitate domestic standards development that enables seamless communication across diverse payment rails while aligning with global frameworks like ISO® 20022.

Technical Rigor & Security

Ensure faster payments initiatives benefit from the same technical rigor, resilience, and security that defines ASC X9's leadership in financial services standards.

Ubiquity & Adoption

Advance toward a payment ecosystem in which anyone can safely and securely pay anyone, anywhere, at any time — backed by clear implementation guidance and technical toolkits.

Member Engagement

Provide structured pathways — including observer roles and joint participation — for FPC members to influence the technical standards process across all stakeholder segments.

2026 Roadmap

From Foundation to Standards Leadership

The JSSC is developing an integrated roadmap that progresses from foundational alignment to demonstrated standards leadership.

Phase 1

Foundation & Alignment

Establish communication channels and complete a baseline inventory of relevant standards to identify gaps and areas of opportunity.

Phase 2

Prioritization

Implement a structured prioritization framework that evaluates initiatives based on industry impact, feasibility, and probability of success.

Phase 3

Activation

Launch formal member participation through ASC X9 roles, enabling FPC members to directly contribute to standards development efforts.

Phase 4

Execution & Value Delivery

Deploy joint education initiatives and incorporate standards outcomes into FPC work group activities to drive tangible industry value.

Leadership & Organization

Balanced Governance, Dual-Brand Credibility

The JSSC is governed by a joint delegation of members, with equal representation from each organization, ensuring diverse industry perspectives and balanced governance.

FPC Representatives

Matt Friend Operations Committee Appointee; Managing Director, JPMorgan Chase
Kristie Gantt-Bean Elected Member Representative; Digital Product Management Director, Wells Fargo
Joanie Stem Elected Member Representative; Product Manager, Fiserv
Angela Hendershott Senior Vice President, Association Operations Leader, FPC
Reed Luhtanen Executive Director and CEO, FPC

ASC X9 Representatives

Corby Dear X9 Board of Directors; Director of Standards, Bloomberg
Ainsley Hargest Chair of X9A Electronic & Emerging Payments; Payments Standards Strategy, Federal Reserve Financial Services
Ted Rothschild Vice Chair, X9 Board of Directors; Executive Director Payments, JPMorgan Chase
Janet Busch Director of Operations, ASC X9
Steve Stevens Executive Director, ASC X9