Instant payments are not the product. Send is the service. Businesses are already signaling they will pay for certainty, timing, and control. This article breaks down why Send has become the new revenue layer for financial institutions and how senior leaders can turn it into real monetizable value.

Instant payments compliance is now a strategic priority. As 24/7 settlement accelerates, legacy AML, sanctions, and fraud controls create avoidable exposure. Senior leaders must modernize their compliance design to protect speed, trust, and regulatory readiness in an always-on payments environment.

Most instant payments initiatives stall for one simple reason.Product and Risk teams talk past each other. Product leaders push for speed. Risk teams focus on safety. Both are right—but when they operate in silos, trust falls through the cracks. The latest Federal Reserve Consumer Payments Study confirms what many of us see daily:Consumers and businesses want payments that are not only instant, but also reliable and secure. Eighty-two percent cite immediate notifications and

The rise of agentic commerce means your next customer might be an AI. Learn how Walmart’s OpenAI partnership signals a new era where visibility, structure, and trust data define who wins in finance, and why instant payments modernization is your bridge to AI readiness.

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.

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.

It is 2:03 a.m. Your treasury alert fires: idle cash, missed cutoff, FX desk closed. Now imagine a system that detects the gap, selects...

Boards want clarity. Regulators are drawing new lines. And fintech competitors aren’t waiting — they’re already monetizing flows. Should...

Stablecoins are no longer a fringe experiment. With the U.S. GENIUS Act  and Europe’s MiCA framework  now in force, stablecoins have...

By November 2025, ISO 20022 will become the universal language for cross-border payments. Many institutions are racing to meet compliance...

Most financial institutions have already gone live on instant payments  — but here’s the truth senior leaders aren’t talking about:...

Why Receive-Only Inaction Is the Riskiest Move for Financial Institutions Today Most banks and credit unions have already gone live on...

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...

Why Cross-Border Payments Remain Broken Despite decades of infrastructure, cross-border wires remain stuck in a slower era of banking....

By Marcia Klingensmith, Instant Payments Maven™ If your institution is live on FedNow ® or RTP ® but hasn’t turned on Send...

Last month, I had the privilege of presenting to senior financial leaders at the ABA PSAC event on a topic that’s quietly transforming...

How a small Irish credit union is showing that Open Banking APIs aren’t just for big banks—success lies in the right partners   By Marcia...

Legacy banking systems drain 64% of IT budgets, slow innovation, and increase compliance risks. Modernization is no longer optional.

💡 Instant payments aren’t just faster—they cut costs, reduce fraud, & drive revenue. Stop the misconceptions & start optimizing! 🚀 #Instan

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