Our world continues to move toward 24/7/365 availability, and consumer expectations for instant gratification are being driven by retail and tech trailblazers like Amazon, Apple, Google and Facebook, among others. This need for getting what consumers want, any time they want it, is finally reaching the world of payments.

The launch of RTP by The Clearing House in 2017— the first new central clearing and settlement network to hit the market in four decades — set the U.S. on its course toward real-time payments and away (in baby steps) from the legacy wire and ACH networks in use in this country since the early 1970s.

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