Most financial institutions are actively modernizing their payments infrastructure, with 91% investing significantly or moderately. Real-time payments are gaining traction, with 56% planning to offer full RTP services and 83% aiming to adopt FedNow within two years. Integrated receivables and request-for-payment capabilities are also on the rise, reflecting growing demand for efficiency and flexibility. Currently, over half of banks fall into the evolving adopter category, with only a quarter considered market leaders. The findings highlight a strong shift toward payment innovation as a competitive and operational priority.

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