Instant Lending Payouts Are No Longer a Perk—They’re a Lifeline

Money Mobility Tracker® - Race Against Time: How Urgency Shapes the Demand for Instant Lending Payouts

Borrowers increasingly demand real-time loan disbursements to cover urgent needs, and most are willing to pay for the privilege. The latest “Money Mobility Tracker®,” a collaboration with Ingo Payments, reveals how financial pressure, consumer expectations and rising demand for transparency are turning instant payouts into a must-have, forcing lenders to modernize or risk losing relevance.

Inside the August Tracker
  • Consumers receive instant payments for borrowing disbursements more than any other type of disbursement. In fact, they do so more and more each year. Financial institutions (FIs), too, see loan disbursements as a key use case for instant payment technology.
  • Urgency drives the adoption of instant loan payouts, with financial need being the primary reason for consumers wanting instant borrowing disbursements. Moreover, lenders are responding to that call with more instant loan disbursement offerings.
  • Consumer appetite for instant borrowing disbursements is strong, with most borrowers willing to pay a fee for immediate access—provided the fees are transparent and not a surprise.

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