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Helping Financial Institutions Monetize Faster
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Defense in Depth – Instant Payments Fraud Prevention for Financial Institutions
Instant payments are not inherently risky, they simply require smarter defenses. This article explores instant payments fraud prevention through layered controls that verify identity, intent, and behavior in real time. Learn how leading banks are embedding authentication, behavioral analytics, and SAFE™ principles to build systems that can prove trust at speed.

Marcia Klingensmith
1 day ago2 min read


When Money Never Sleeps: Managing Liquidity in a 24/7 World
Instant payments are changing how money moves, and how liquidity must be managed. In a 24/7 world, cutoff times no longer define control and buffers no longer guarantee resilience. Every second counts, and funding must flow as fast as the payments themselves. Learn how leading banks are building real-time liquidity strategies that turn risk into competitive advantage.

Marcia Klingensmith
Oct 162 min read


Too Small, Too Risky, Too Soon? 4 Myths Killing Your Instant Payments Strategy
If you’ve ever sat in a leadership meeting and heard, “We’re not ready for Send,” you’re not alone. Across the industry, well-meaning...

Marcia Klingensmith
Sep 32 min read


Receive-Only Instant Payments Is a Liability – What It’s Costing You Not to Send
By Marcia Klingensmith, Instant Payments Maven™ If your institution is live on FedNow ® or RTP ® but hasn’t turned on Send...

Marcia Klingensmith
Aug 184 min read


The Game Just Changed: JPMorgan’s Data Move and What It Means for Bank Data Monetization
Last month, I had the privilege of presenting to senior financial leaders at the ABA PSAC event on a topic that’s quietly transforming...

Marcia Klingensmith
Jul 154 min read


Legacy Banking Costs: The Hidden Financial and Strategic Burden on Financial Institutions
Legacy banking systems drain 64% of IT budgets, slow innovation, and increase compliance risks. Modernization is no longer optional.

Marcia Klingensmith
Feb 255 min read


The Hidden Cost Savings of Instant Payments: How Banks Are Automating for Profit
💡 Instant payments aren’t just faster—they cut costs, reduce fraud, & drive revenue. Stop the misconceptions & start optimizing! 🚀 #Instan

Marcia Klingensmith
Feb 153 min read


Open Banking vs. Open Finance: Understanding the Differences and Opportunities
Discover the key differences between Open Banking and Open Finance. Learn how these shape the future of finance and unlock new opportunities

Marcia Klingensmith
Jan 64 min read


Decoding Dodd-Frank 1033: What Financial Institutions Need to Know Now
Discover how Dodd-Frank 1033 transforms financial data sharing. Learn compliance timelines & unlock innovation for your institution.

Marcia Klingensmith
Jan 64 min read


Instant Payments Maven's Predictions for 2025
Instant Payments Maven’s 2025 Predictions: Embrace instant payments, AI, open banking, and crypto to stay ahead in a transforming financial

Marcia Klingensmith
Jan 15 min read


Modernizing Payments: A Step-by-Step Guide to Instant Payments Integration
Ready to unlock the power of instant payments? This guide will help you navigate the journey.
#InstantPayments #FinTech

Marcia Klingensmith
Dec 10, 20243 min read


Europe's Race to Real-Time: Seizing the SEPA Instant Opportunity
SEPA Instant Credit Transfer deadlines loom! Is your institution ready? Learn how to seize this opportunity. #InstantPayments #SEPA #FinTech

Marcia Klingensmith
Nov 17, 20243 min read


The Financial Rosetta Stone: Unlocking the Power of ISO20022 in Payments
ISO20022: The Financial Rosetta Stone revolutionizing payments. Standardization unlocks efficiency, reduces costs, and enables innovation.

Marcia Klingensmith
Oct 5, 20243 min read


From Vision to Action: Unlocking the Power of Instant Payments with a Compelling Business Case
Build a compelling business case for instant payments. Increase revenue, reduce costs, and enhance customer satisfaction.

Marcia Klingensmith
Jul 14, 20244 min read


Why Instant Payments Matter: The Shift Towards Real-Time Finance
Gain a competitive edge with instant payments. Unlock the potential for growth and customer loyalty. #InstantPaymentsMaven #FedNow #RTP

Marcia Klingensmith
Jun 30, 20243 min read


Beyond Speed: Unlocking Strategic Applications of Instant Payments for Operational Excellence
Facing pressure to optimize, manage risk, and adapt? Instant payments offer a solution for financial leaders. #instantpaymentsmaven

Marcia Klingensmith
May 31, 20243 min read


The Buzz Around Elon Musk's X P2P Payments: The Instant Payments Maven's Perspective
The current P2P market is already meeting consumer needs. So, what additional value proposition does X bring to the table?

Marcia Klingensmith
May 29, 20243 min read


Elon Musk's X and the Instant Payments Opportunity: A Fintech Musing
Musk's X ventures into instant P2P payments, creating challenges & opportunities for banks. Collaborate or compete? #instantpaymentsmaven

Marcia Klingensmith
May 27, 20243 min read


Demystifying Instant Payments: Insights from a Recent Workshop
Confused by instant payments? Our workshop sheds light on how departments like Treasury & Operations can benefit! #instantpayments #fednow

Marcia Klingensmith
May 2, 20243 min read


Paycheck to Paycheck: Can Instant Payments Bridge the Gap?
64% of Americans live paycheck to paycheck! Can instant payments help bridge the gap? Share your thoughts & solutions! #financialinclusion

Marcia Klingensmith
Mar 24, 20242 min read
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