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,...
Banks and credit unions are opening millions of new accounts, yet too many fail to become active relationships. As FinTechs deliver instant funding and immediate usability, traditional financial institutions (FIs) are facing a shift. Deposit growth now depends on how quickly new accounts move from...
Real-time payments in North America are moving decisively from expansion to execution. Instant payment systems across the United States, Canada and Mexico are scaling, modernizing and broadening their reach. But each country is following a distinct strategic path. In the U.S., real-time payments have entered...
In the wake of natural disasters, the speed of financial recovery is often as critical as the initial emergency response. Historically, victims of hurricanes, wildfires, and floods have had to wait days or weeks for insurance payouts or federal aid to arrive via traditional methods...