Payments people love to talk about rails — whose rails are the fastest, cheapest, most secure, most accepted, most compliant. Consumers, not so much. In fact, as Ingo Money CEO Drew Edwards pointed out to Karen Webster in the most recent edition of their “how to instant” conversations, consumers more or less don’t know the payments rails exist — and are really only ever concerned with a single question: “How am I gonna get my money?”

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