Though several hundred FIs have signed on to FedNow and to RTP, it can be argued that we’ve yet to reach “critical mass” in the U.S. for instant payments. Join Form3, M&T Bank and Bank of America panelists as they weigh in with PYMNTS on what it will take to realize the full potential of instant payments – and how FIs should take a “forward thinking” approach to the risks and rewards, in collaborative fashion.