As expected, 2015 is the year when faster payments in the United States (a.k.a. “real-time payments”) may get the kick start needed to move from an idea to a reality. With the recent release of the Federal Reserve’s position paper and the ongoing development of proprietary solutions in market, momentum appears to be building. Mercator Advisory Group's newest research note, Faster Payments: Developments and Challenges for U.S. Commercial Payments, examines the recent developments to advance faster payments in the United States, some of the key stakeholders, and challenges to progress that exist.

1. The Evolving Branch Banking Strategy
December 2014

2. 2014 Mercator Advisory Group
As expected, 2015 is the year when faster payments in the
United States (a.k.a. “real-time payments”) may get the kick
start needed to move from an idea to a reality. With the recent
release of the Federal Reserve’s position paper and the
ongoing development of proprietary solutions in market,
momentum appears to be building.
Mercator Advisory Group's newest research note, Faster
Payments: Developments and Challenges for U.S.
Commercial Payments, examines the recent developments to
advance faster payments in the United States, some of the key
stakeholders, and challenges to progress that exist.
Faster Payments: Developments and Challenges
for U.S. Commercial Payments

3. 2014 Mercator Advisory Group
"Everyone has been expecting movement on “real-time” or faster
payments to pick this year. That the Fed only recently outlined its
perspective is positive, but it is very early to get a read on what
will happen next,” comments Richard Hall, Director of Mercator
Advisory Group’s Commercial and Enterprise Payments
Advisory Service and author of the note. “There are significant
opportunities to remove friction from the current system, but
there are also critical items such as leadership structure and
mandates that are unclear, making the market feel a little like the
Wild West.”
Richard Hall
Director
Commercial and Enterprise Payments Advisory Service
Mercator Advisory Group

4. 2014 Mercator Advisory Group
• Recent developments from the Federal Reserve, NACHA, and the
Remittance Coalition
• Providers that have developed proprietary faster payment solutions
• Challenges to the proposed timelines and structure for U.S. faster
payments
Highlights of this research note:

5. Mercator Advisory Group 2012

6. About the research note:
2014 Mercator Advisory Group
This research note is 10 pages long and has 3 exhibits.
Members of Mercator Advisory Group's Commercial and
Enterprise Payments Advisory Service have access to this note as
well as the upcoming research for the year ahead, presentations,
analyst access and other membership benefits.
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7. About Mercator Advisory Group
Mercator Advisory Group is the leading independent research and advisory
services firm exclusively focused on the payments and banking industries. We
deliver pragmatic and timely research and advice designed to help our clients
uncover the most lucrative opportunities to maximize revenue growth and
contain costs.
Our clients range from the world's largest payment issuers, acquirers,
processors, merchants and associations to leading technology providers and
investors. Mercator Advisory Group is also the publisher of the online
payments and banking news and information portal PaymentsJournal.com.
2014 Mercator Advisory Group