Principal Product Manager – Real-Time Payments at ACI Worldwide
Bridget Hall is on the Solution Leadership team for Real-Time Payments, focusing on customer-centricity and the strategic execution of the solution. Bridget works with industry partners to deliver ACI's payments experience around the globe. She has extensive experience in commercial analysis, operations and solutions innovation and is currently focused on the realization of real-time payments. Bridget’s experience at ACI also includes driving solution innovation through product management for ACI’s UP Retail Payments solution, as well as other operations and finance roles. Previously, Bridget worked in the securities industry at financial advisory firms, brokers/dealers, and clearing firms in their accounting, finance and operations teams. She is ACI’s representative for the US Faster Payments Council, helping to enable Americans to safely and securely pay anyone, anywhere, at any time with near-immediate funds availability. Bridget is in Omaha, Nebraska, and is an avid Huskers fan.
Articles by Bridget Hall
Could the Right Use Case Push the U.S. Over the Edge of Real-Time Payments Adoption?
New York City, while a world leader in countless ways, has only just made it possible to access the subway with contactless technology. Something a commuter in London, for example, has taken for granted for many years. While America’s tech companies, manufacturers and retailers have been constantly modernizing, the country’s payment methods and habits lag behind much of the rest of the world.
Why the Value of Real-Time Payments Is Not in the Fees Charged
I recently hosted a webinar with payments experts to delve into ACI’s Prime Time for Real-Time research and uncover what the rise in global transactions means for the U.S. market. I was joined by Steve Ledford, product executive for the RTP Network of The Clearing House, Reed Luhtanen, executive director of the U.S. Faster Payments Council, and Peter Hazou, director of solutions for Financial Services at Microsoft. We investigated the unique factors that have so far hindered ubiquitous adoption of real-time payments in the U.S., as well as those that highlight the market’s position to capitalize on the global rise of real-time, and deliver value to financial institutions, merchants, corporates and consumers.
TCH RTP and FedNow: What’s Next for U.S. Immediate Payments?
It has taken some time, but immediate payments (IP) are on the move in the United States. Although the speed of adoption has been slightly behind the curve of regions like India, the Nordics and the U.K., the U.S. has seen significant year-on-year IP growth of 69 percent.
Real-Time Payments Hits Its Stride in the U.S.
The recent announcement of FedNow in the U.S., the launch of cross-border services like SWIFT gpi, and multiple real-time payment systems including The Clearing House’s (TCH) RTP system and Zelle underline the fact that real-time payments are here to stay. The need to deliver real-time payment services to customers has never been more pressing for banks, credit unions, processors, acquirers and fintechs. However, the U.S. payments ecosystem – and its infrastructure – must keep pace with global markets to remain competitive, and interoperability between real-time payment systems will be key.
Prime Time for Real-Time
Global Payment Trends
As the world adopts real-time payments, how does your market stand to benefit?