Instant payments are no longer a luxury—they’re the new standard. In 2025, 41% of U.S. consumers used instant disbursements most often, up from 11% in 2018. When given a choice, 9 in 10 prefer instant payouts, especially for high-value and frequent disbursements like income, loans, and insurance. Push-to-debit and digital wallets top preferred methods due to speed, security, and convenience. Over 30% of users are willing to pay a fee for instant access, and satisfaction rises sharply when consumers can choose how they receive funds. Businesses must act or risk falling behind.

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