Financial institutions are under growing pressure to deliver faster, more efficient, and customer-centric payment experiences. In response, many are exploring how real-time payments can unlock new value across consumer, small business, and commercial segments.
Alacriti’s latest fact sheet, Instant Payments Use Case Framework: Use Cases and Revenue Drivers, breaks down the most impactful applications of real-time payments—from loan disbursements and earned wage access to vendor payouts and treasury optimization. It also explores monetization strategies such as speed-based fees, Request for Payment (RfP) services, premium treasury offerings, and deposit growth via gig economy and investment account inflows.
This guide highlights the top real-time payment use cases across the RTP® network, the FedNow® Service, ACH, and Visa Direct, and explains how institutions can use centralized payment hubs to streamline operations and drive new revenue opportunities.
