Stewart Watterson

Datos Fellow

Areas of expertise:

Agentic AI Commerce, Agile Transformation, AI Platforms, Alternative Credit Data, Business of Banking (Balance Sheet management, FMR and GAAP Reporting, P/L Analysis), Card Issuance (Physical and Digital), Card Network Technology (NFC, payment tokens, mobile wallet tech), Card Products (Credit, Debit, and Prepaid), Consumer Credit Underwriting, Consumer Payments, Credit Products (Home, Student, Personal, and Auto Loans), Credit Risk Management, Customer Onboarding, Digital banking, Digital Wallets, Lending and Related Technologies, Lending Regulation, Mobile Banking, Online Banking, Open Banking, Person-to-Person (P2P) Payments, Real-Time Payments, Small-Business Lending

Stewart Watterson is a Datos Fellow in the Retail Banking & Payments practice at Datos Insights. He brings a broad range of experience from 30 years of consumer banking with Chase, NationalCity, and PNC, serving as SVP, Mobile Wallet & Emerging Payments.
His experience includes consumer lending product management across all asset classes, small business unsecured lending, digital banking, credit cards, card network technology, and the intersection of fintech and legacy banking. After 20 years of supporting and managing product P&Ls, Stewart transitioned into digital banking technology. During this time, he managed a top-five bank’s EMV migrations, mobile wallet integrations, and the development of leading-edge mobile banking features. Stewart has become a trusted voice within the payments and digital banking industry through his involvement in the U.S. Payments Forum and industry conferences.
Stewart has been quoted in various media outlets, including American Banker, The Financial Brand, BAI Journal, Fintech Global, Fintech Magazine, and Digital Transactions.
He holds a B.A. in Public Administration from Miami University in Oxford, Ohio, and has graduated from the VISA BankCard Management School.