Amanda Estiverne
Director, Head of Payments Practice Perficient
Amanda Estiverne-Colas is a passionate advocate for financial inclusion and fairness by design, dedicated to building a more equitable and consumer-centric financial ecosystem. With over 20 years of experience spanning banking, fintech, and technology, she works at the intersection of innovation and impact, helping organizations design payment solutions that expand access, strengthen trust, and promote economic mobility. Amanda serves on the Board of Directors for the National Alliance for Financial Literacy and Inclusion (NAFLI), advancing initiatives that bring financial education and inclusion to underserved communities. She also partners with Consumer Reports on the Fair Digital Finance Framework and Fairness by Design Playbook, collaborating with regulators, product leaders, and fintech founders to embed fairness, transparency, and consumer protection into product design from the ground up.
As Director and Head of Payments Practice at Perficient, Amanda leads strategy and innovation across the banking and fintech ecosystem, guiding clients through payment infrastructure modernization, digital transformation, and the development of inclusive financial solutions. She is also the Founder of AGE Advisors, a boutique advisory firm that helps startups and financial institutions unlock growth through purposeful innovation and strategic partnerships.A sought-after speaker and thought leader, Amanda shares her insights at premier industry events including Money20/20, Fintech South, Women in Payments, DC Fintech Week, and the Blockchain Braintrust Retreat.
Her conversations center on responsible innovation, inclusive design, and the evolving future of money. Amanda is also the creator of The Front Row, a storytelling series and Substack offering an insider's view into the fintech world. Chronicling the stories, lessons, and people shaping the future of finance from "the seat where innovation meets inclusion."
2026 Agenda Sessions
Is loyalty still a game of points - or a platform play?
Consumers expect more than coupons. They want relevance, anticipation, and value. Loyalty is shifting from static rewards to dynamic ecosystems that reward behaviors, not just purchases.
This session breaks down how payments players are building loyalty into orchestration layers, identity, and embedded commerce.
Takeaways:
• Explore loyalty strategies rooted in real-time behavior and personalization.
• Learn how merchant-owned programs are replacing network-driven ones.
• See how loyalty becomes a competitive differentiator beyond offers.
Wednesday 01 April 09:35 - 10:15 Payments
Data & Personalization
Embedded Finance
Partnerships & Ecosystem Play
This session breaks down how payments players are building loyalty into orchestration layers, identity, and embedded commerce.
Takeaways:
• Explore loyalty strategies rooted in real-time behavior and personalization.
• Learn how merchant-owned programs are replacing network-driven ones.
• See how loyalty becomes a competitive differentiator beyond offers. Payments US/Pacific