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Build a Real-Time Bank for Faster, Immediate Payments 

Fast is no longer enough when it comes to payments. Immediate is the new expectation, and that expands beyond just transactions. The advent of real-time payments puts pressure on banks to develop an agile approach to innovation, and ready their core systems for instant payments.

Processors and PSPs are also under pressure to deliver increased speed and functionality, and at a lower cost. Payments players must effectively navigate this new instant and open landscape to benefit from the leveled competitive playing field.

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Discover the specific services where all participants in the four-party model for payments can create new revenues, increase margins and cut costs, and shorten the time to ROI. These new use case span retail and wholesale payments, driving customer retention, attraction and growth across consumer, merchants, and corporates.

Read the Whitepaper

Payment Speed Can Make or Break Your Customer's Loyalty


Instant payments are electronic retail payments that deliver immediate or close-to-immediate interbank clearing of the transaction and simultaneous debiting of the payer’s account and crediting of the payee’s account (within seconds of payment initiation) in a synchronous transaction, irrespective of the underlying payments instrument used (credit transfer, direct debit) and of the underlying clearing and settlement arrangements that make this possible.

  Download Report: Instant Payments – the Journey So Far


Customer expectations, from both consumers and corporate, are driving the payments world to more real-time delivery.

To meet the trend towards fast and open payments, players must consider real-time and open APIs holistically to create new revenue streams in your region. Read the ebooks to learn how to Turn PSD2 from Cost Center to Revenue Generator and to Capitalize on the Real-Time Disruption of US Payments.

In an on-demand webinar, experts from ACI Worldwide and First Annapolis Consulting discuss how the accelerated speed of payments and the rise of open operating models provide new potential for players to expand their business and enhance their offerings.

  Watch: The New Payment Ecosystem

  Use Case: SWIFT AI - Improve the experience for Real-Time Gross Settlement transactions with AI to reduce manual interventions that slow down payments.

  Use Case: Loyalty that pays - Consumers want to benefit from real-time payments to merchants, via real-time balances and ‘funds availability’ on loyalty schemes. See how to drive consumer spending with faster rewards.

Speed Can Make or Break Your Customer's Loyalty

95% Of Businesses in the UK Are SMEs. 95 Percent of Sme's Said Faster Payments Would Help Them Succeed

66% Of Millennials Would Switch Their Account Provider for the Offer of Faster Payments

65% Of Consumers Want Instant Payment of Utility and Other Monthly Bills


The gap between payments innovation trailblazers and laggards is widening. See how to maximize your investments by taking part in the Culture of Innovation Index, constructed by ACI and Ovum based on findings from over 1,000 enterprises across the world. Benchmark your organization here.