Token lifecycle management continues to surface across multiple U.S. Payments Forum working committees as stakeholders navigate evolving issuance models, provisioning practices, and emerging fraud trends. As more cards are issued directly into mobile wallets and token provisioning becomes increasingly automated, gaps in understanding—and in execution—can create unintended risk.

This session will explore where education is most needed, how tokens should be provisioned and managed throughout their lifecycle, and what happens when processes break down. Speakers from Visa, Bank of America, and SHAZAM will share real-world perspectives on fraud upticks, operational challenges, and issuer and network considerations. Attendees will leave with a clearer understanding of lifecycle touchpoints, risk mitigation strategies, and areas where cross-industry collaboration is essential.

Mayra Ayotte, Visa; Brad Holland, Bank of America; Manish Nathwani, SHAZAM, Moderated by: Keri Crane, Jack Henry ™