Heiko Nix, Global Head of Cash Management and Payments at Siemens, discusses the shift to programmable, 24/7 payment systems, bets on tokenized money for corporate use, and explains how a lack of standardization turned a six-month API integration project into a three-year challenge. Global Finance : Tell us about your background and current role at Siemens? Heiko Nix : I have been at Siemens for 41 years. Having worked in IT, sales, and marketing, I moved to Treasury six years ago to take