THE FRAGMENTED US PAYMENTS LANDSCAPE 2023
This slide presents a table showing the current fragmented state of the US payments landscape, suggesting that it can be simplified going forward.
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HOW FASTER PAYMENTS WILL IMPACT FINTECHS
A slide showing graphicly how same day and realtime payments may impact fintechs, including insurance, healthcare and other verticals with a strong payments component.
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HOW FEDNOW AND FASTER PAYMENTS WILL IMPACT US FINTECH
FedNow’s promise of faster payments is not new. Aside from RTP and same-day ACH, we have seen faster payments in a number of forms: closed-loop P2P payments (Venmo, Zelle), wire transfers, stablecoins, and push-to-card. Each varies in settlement type, rail, limit, cost, push/pull capabilities, and transaction limits. This has created an ecosystem where U.S. money movement has become unnecessarily complex. In this white paper by Bessemer Venture Partners they explain that they expect to see more payment-first business models, and a new wave of fraud, and infrastructure to facilitate the patchwork of faster payments in the US.
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WELCOME TO INSTANT PAYMENTS UNIVERSITY
A link to a resource page and numerous resources about the Federal Reserve and its planned introduction of Fed Now, a real-time (RTP) settlement system in the United States in July 2023..
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THE CLEARINGHOUSE’S RTP NETWORK
A brief report describing the Clearinghouse’s real-time payments network (RTP),
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CONTACTLESS DEBIT CARD USE 2022
A slide showing the growth rate of contactless debit cards in 2022 in the UK, Brazil, US, and UAE.
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2023 FUTURE OF PAYMENTS: THE TIMES THEY ARE A-CHANGIN’ WHEN IT COMES TO PAYMENTS
This report from the American Banker describes how Millennials and Gen Z will select companies and products, and identifies potential winners and losers in the payments space.
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TECH TALK: THE ROAD TO REAL-TIME PAYMENTS
A video presentation by John Anderson of PLAID, Lily Varon of Forrester, and Akashi Desai of Novo, about the state of real-time payments, with a special focus on fraud.
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HOW TO ACCEPT ACH PAYMENTS AS A BUSINESS
Stripe describes the procedures to follow for businesses to accept ACH.
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THE PAST, PRESENT, & FUTURE OF BIG BANK CONSORTIUMS (PROBLEMS)
An article describing why bank consortia succeed or fail.
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