The convergence of instant everywhere

At the current rate of technology evolution and consumer demand, instant payments will soon take over, likely replacing legacy rails altogether.

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Financial institutions and consumers want payments options that enable speed, convenience, confidence and lower costs. Fortunately, open banking and request for payment solutions already leverage real-time rails – both proving viability and demand.

As national payment infrastructures continue the move to instant payments, we predict payments rails will converge with real-time emerging as the dominant option. Download our point of view to explore how this convergence will benefit payers, payees and the providers that support them.

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75% of consumers surveyed believe instant access to funds is important.

“Real-Time Payments: An Urgent Priority for Financial institutions,” Javelin, 2021

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