Bessemer Venture Partners – wikipayresearch

THE FRAGMENTED US PAYMENTS LANDSCAPE 2023

$ Transfers and Digital Payments, 2023, ACH, ALL CONTENT, Bessemer Venture Partners, Fed Now, Marcel Van Oost, PPT, Real-Time Payments, Venmo, Wallets, Zelle / WikiPay Research

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

$ Transfers and Digital Payments, 2023, ACH, ALL CONTENT, Bessemer Venture Partners, Fed Now, Marcel Van Oost, Other Strong Payments Component (e.g., insurance, healthcare), PPT, Real-Time Payments / WikiPay Research

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

$ Transfers and Digital Payments, 2023, ACH, ALL CONTENT, Bessemer Venture Partners, Central Banks/Government, Fed Now, Link, Marcel Van Oost, Other Strong Payments Component (e.g., insurance, healthcare), Real-Time Payments, Stablecoin, Venmo, Wallets, Zelle / WikiPay Research

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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