Instant payments is an innovation that doesn’t require much explanation. Getting immediate access to money is an obviously better solution than waiting for the check to arrive in the mail, or constantly refreshing a mobile banking app to see if transferred funds have been cleared for use.

And, as Karen Webster noted in a recent conversation on digital disbursements with Ingo Money’s Drew Edwards, while it may not be conventional wisdom that consumers and SMBs want instant payments, it is well on its way to shifting from “nice to have” to “must-have.”

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