bottomline.com At M&T Bank, the Commercial Payments Solutions team is committed to advancing its payments infrastructure and providing an exceptional client experience. The team set out to enable faster funds availability to payment recipients, and greater payment transparency and efficiency for its commercial and business banking customers. The team’s strategy was to implement Real-Time Payments through the RTP Network ® , with The Clearing House, to take advantage of the industry’s first major payment modernization effort to emerge in the last 40 years. Real-Time Payments offer the benefits of instant finality of payment, being always on 24/7/365 and support two-way conversational payments designed specifically for businesses. MAJOR CHALLENGES OF 2020 Soon after M&T completed imp

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