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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Real-Time Payments
Emerging real-time or instantaneous settlement of payments, e.g., FedNow.
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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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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PROJECT NEXUS: ENABLING INSTANT CROSSBORDER PAYMENTS (BAI)
A BAI report on a joint project between Singapore, Malaysia and Europe to facilitate instant cross-border payments.
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STRATEGIC COMPLIANCE
A Vodcast by 99FinTech addressing compliance in the digital payments and banking space that explains how firms that embrace compliance versus treating it as a cost center can position themselves better to attract investors, accelerate market entry, achieve competitive advantage, and ensure stability.
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A NEW PUSH FOR PUSH PAYMENTS
This white paper by Mastercard explains that as real-time payments increase globally, Card-based push payments (push-to-card) enable participants to send funds directly to consumers and small businesses via their payment card accounts. Receipt of funds via a payment card, typically a debit card linked to a deposit account, makes for a seamless consumer experience,
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