The biggest obstacle to real-time payments adoption may not be fraud, but the fear of fraud. That’s the central finding of “Reality Check: Fact vs. Fiction in Real-Time Payments Fraud,” a PYMNTS Intelligence report produced in collaboration with The Clearing House. The report puts hard...
Watch more: Visa Direct With Visa’s Jim Filice Last month, Jim Filice wound up in the same place millions of consumers do when money disappears into the payment system: on the phone, asking where it went. He had moved money from his bank to an...
Federal Reserve Financial Services (FRFS) will launch a new risk mitigation tool for FedNow® Service participants on Tuesday (April 28). The new network intelligence application programming interface (API) provides receiver account-level data observed over the service and uses historical FedNow Service data to enrich insights over time,...
For many businesses, the story around instant payments may be shifting from fear to familiarity. That is one of the clearest takeaways from “Instant Myths: Debunking Faster-Payments Fraud Fears,” the January 2026 Money Mobility Tracker from PYMNTS Intelligence and Ingo Payments. The report shows that fraud concerns still weigh...
SoFi has begun offering instant bank transfers via the Federal Reserve’s FedNow® Service. The new capability, powered by SoFi’s Galileo platform, lets SoFi members move funds within seconds between their SoFi accounts and their accounts at other U.S. banks, the personal finance company said in...
For many small- to medium-sized businesses (SMBs), financial health is not determined solely by total revenue, but by the precise timing of that revenue’s arrival. PYMNTS Intelligence research indicates that 39% of small businesses operate with less than one month of operating cash on hand,...
Real-time payments are moving from a technical upgrade to altering how money is actually experienced, managed and valued across the economy. The expansion of real-time rails is beginning to alter expectations at the point where transactions matter most, as PYMNTS Intelligence and The Clearing House...
As more Americans earn income outside traditional employment, payouts have quietly replaced paychecks. And it’s against this backdrop that the PYMNTS Intelligence report “Beyond Speed: The Case for Instant Payout Adoption and Stickiness,” a collaboration with Ingo Payments, found that once employees experience instant payouts, they...
Within the corporate realm, treasury is expected to anticipate, allocate and act, turning liquidity into a managed input. That transition toward proactive management is forcing finance leaders to reconsider a longstanding assumption: that delays in payments are a tolerable feature of doing business. Timing Problem,...