The challenge for many institutions is determining how to evolve their payments strategy in a way that meets rising customer expectations while preserving control, flexibility, and compliance.
In an ICBA-hosted discussion, Modernizing Without Disruption: How Community Banks Can Balance ACH and Real-Time Rails, Neeraj Gupta, SVP of Product Management at Alacriti, explored how community banks are navigating payments modernization by supporting ACH and real-time rails in parallel rather than treating them as competing options. The perspectives shared focus on practical considerations shaping payments
strategy today, including when ACH remains the right fit, where real-time payments deliver measurable value, and how centralized orchestration can simplify operations
across rails.
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