Though speed was certainly a priority earlier this year when the U.S. federal government disbursed billions of dollars in relief funds to more than 127 million Americans (and counting), mishaps and delays raised some eyebrows and had many in the financial services community wondering: What went wrong?

The government’s experience in disbursing stimulus funds via paper check and direct deposit offered a chance for those in the digital disbursements technology arena to learn from the government’s successes and mistakes, according to Lisa McFarland, executive vice president and chief product officer at Ingo Money.

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