Instant payments have been a significant topic of discussion, but the Automated Clearing House (ACH) remains an essential payments network, continually evolving through “ACH Modernization” initiatives. These initiatives aim to overhaul traditional ACH payment systems by offering faster, more secure, and versatile payment solutions. In a Banking Exchange-hosted webinar, Alex Romeo, Operations Strategy Vice President at Federal Reserve Financial Services, and Paul Steinbrecher, Director of Payments Consulting at Alacriti, explored the ongoing changes and future breakthroughs in ACH. This included the critical modernization of ACH services, its impact on the industry and future projections, and the benefits these modernized processes offer to businesses and consumers.