1) Executive summary (what’s “new” about this wave) Payments infrastructure is entering a fresh modernization wave because three foundational layers are shifting at once: (1) rails (real-time/always-on...
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1) Executive summary (what’s “new” about this wave) Payments infrastructure is entering a fresh modernization wave because three foundational layers are shifting at once: (1) rails (real-time/always-on...

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Real-time payments (RTP) are no longer a future concept—they’re becoming the global norm in 2026. With instant settlement rails expanding, open banking accelerating, and regulatory deadlines pushing modernization, small...
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