{"id":759336,"date":"2026-02-24T01:42:49","date_gmt":"2026-02-24T06:42:49","guid":{"rendered":"https:\/\/www.capgemini.com\/us-en\/?p=759336&#038;preview=true&#038;preview_id=759336"},"modified":"2026-02-24T01:42:52","modified_gmt":"2026-02-24T06:42:52","slug":"instant-payments-the-monetization-imperative-for-banks","status":"publish","type":"post","link":"https:\/\/www.capgemini.com\/us-en\/insights\/expert-perspectives\/instant-payments-the-monetization-imperative-for-banks\/","title":{"rendered":"Instant payments: The monetization imperative for banks"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-blogs header-hero-blogs\"><div class=\"container\"><div class=\"hero-blogs\"><div class=\"hero-blogs-content-wrapper\"><div class=\"row\"><div class=\"col-12\"><div class=\"header-title\"><h1>Instant payments: The monetization imperative for banks<\/h1><\/div><\/div><\/div><\/div><div class=\"hero-blogs-bottom\"><div class=\"header-author\"><div class=\"author-img\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/11\/Niharika.jpg?w=200&amp;quality=10\" alt=\"\" loading=\"lazy\"\/><\/div><div class=\"author-name-date\"><h5 class=\"author-name\">Niharika<\/h5><h5 class=\"blog-date\">Feb 6, 2026<\/h5><\/div><\/div><div class=\"brand-image\"><\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-1\"><nav class=\"article-social\"><ul class=\"social-nav\"><li class=\"ip-order-fb\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.capgemini.com\/?p=1091095\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-fb\"><\/i><span class=\"sr-only\">Facebook<\/span><\/a><\/li><li class=\"ip-order-li\"><a href=\"https:\/\/www.linkedin.com\/shareArticle?url=https:\/\/www.capgemini.com\/?p=1091095\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><span class=\"sr-only\">Linkedin<\/span><\/a><\/li><\/ul><\/nav><\/div><div class=\"col-12 col-md-11 col-lg-10\"><div class=\"article-text article-quote-text\">\n<p>Instant payment rails are here, and they\u2019re reshaping how money moves. This evolution isn\u2019t just about speed: it\u2019s about unlocking new ways to make money and redefine client relationships.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-monetizing-instant-payments-matters-now\">Why monetizing instant payments matters now<\/h2>\n\n\n\n<p>Financial services is undergoing a seismic shift. Instant payment rails \u2013 the digital infrastructure that lets money travel securely from a payer to a payee in real time \u2013 are no longer a thing of the future. In fact, more than 80 jurisdictions (representing 95% of global GDP) now support instant payment schemes \u2013 meaning the world is set to experience explosive <a href=\"https:\/\/www.citigroup.com\/global\/insights\/real-time-24-7-finance-in-an-always-on-world\" target=\"_blank\" rel=\"noreferrer noopener\">growth in global real-time payments adoption<\/a>. Instant payment transactions are projected to grow at a Compound Annual Growth Rate (CAGR) of approximately 16\u201317%, reaching around 575&nbsp;billion transactions by 2028 and accounting for nearly 30% of all <a href=\"https:\/\/www.aciworldwide.com\/wp-content\/uploads\/2024\/04\/Prime-Time-2024-Executive-Summary-Infographic.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">electronic payments globally<\/a>.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><strong>Customer expectations<\/strong>:<\/strong> instant payments are most in demand from recipients with frequent, high-value lending and income disbursement profiles. Statistically, 37% of US consumers who receive between $500 and $1,000 in income and earnings disbursements are willing to pay a fee to <a href=\"https:\/\/www.pymnts.com\/money-mobility\/2025\/new-data-consumers-want-control-and-choose-instant-payments-to-get-it\/\" target=\"_blank\" rel=\"noreferrer noopener\">receive their funds straightaway<\/a>.<\/li>\n\n\n\n<li><strong><strong>Business needs:<\/strong><\/strong> our <a href=\"https:\/\/www.capgemini.com\/insights\/research-library\/world-payments-report-2025\/\" target=\"_blank\" rel=\"noreferrer noopener\">World Payments Report 2025<\/a> noted that inefficient cash management \u2013 including poor forecasting, a lack of real-time visibility, and poor treasury decision making \u2013 costs businesses nearly 7%of revenue each year, <a href=\"https:\/\/www.capgemini.com\/insights\/research-library\/world-payments-report-2025\/\" target=\"_blank\" rel=\"noreferrer noopener\">translating to billions of dollars in trapped liquidity<\/a>. Corporate customers expect instant, open payment rails that can show available funds in real time, post to receivables and payable straightaway, and offer continuous intraday liquidity insight.<\/li>\n\n\n\n<li><strong>Regulations:<\/strong> in October 2025, the EU Instant Payments Regulation came into force \u2013 requiring all euro-area banks to offer instant payments at the same cost as standard Single Euro Payments Area (SEPA) transfers, with no transaction limits. At the same time, the European Central Bank\u2019s (ECB\u2019s) intraday liquidity standards mandated real-time monitoring and stress testing, forcing banks to maintain higher liquidity buffers. The Boston Consulting Group estimates these buffers could represent 2\u20135% of total balance sheet exposure, <a href=\"https:\/\/media-publications.bcg.com\/European-Banks-Need-to-Act-Now-on-Instant-Payments-and-Intraday-Liquidity.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">significantly increasing operational costs<\/a>.<\/li>\n<\/ul>\n\n\n\n<p>In short: compliance isn\u2019t optional \u2013 but it can become a differentiator. And the good news? Banks can monetize this shift and turn regulatory pressure into a strategic advantage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-solving-value-chain-complexities-with-instant-capabilities\">Solving value chain complexities with instant capabilities<\/h2>\n\n\n\n<p>Our <a href=\"https:\/\/www.capgemini.com\/insights\/research-library\/world-payments-report-2025\/\" target=\"_blank\" rel=\"noreferrer noopener\">World Payments Report 2025<\/a> highlights just how willing firms are to pay for instant capabilities that streamline working capital, speed up collections, automate reconciliation, and de-risk high-value disbursements.<\/p>\n\n\n\n<p>When it comes to commercial customers, different clients value instant payments for different reasons: some need faster access to working capital, some require tight integration with Enterprise Resource Planning (ERP) or accounting systems, and others need specialized, high\u2011frequency payments that only instant rails can solve.<\/p>\n\n\n\n<p>Here\u2019s how some banks have tackled it:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bulk payments:<\/strong> a leading bank in the UK implemented a solution that let automotive dealers receive bulk instant payments and collections using payment links. These could be sent over SMS, email, or embedded in ERP systems that support scheduled sends, recurring payments, group payouts, auto\u2011charge, and real\u2011time reconciliation.<\/li>\n\n\n\n<li><strong>Instant working capital triggers:<\/strong> a leading global bank launched a programmable payments platform so corporate clients could automate their escrow releases, milestone-based supplier payments, and liquidity sweeps in real time.<\/li>\n\n\n\n<li><strong>Just-in-time treasury and intra-day liquidity:<\/strong> a California-based community bank introduced the FedNow Service \u2013 an instant, always-on payments system that lets customers transfer money immediately, with funds available straightaway. The bank offered it to local government and real estate clients who had time\u2011critical closing and bond payment needs, so they could transfer up to $1&nbsp;million 24\/7. The bank charged just $10 for outbound FedNow Service payments for commercial accounts \u2013 well below an urgent wire fee.<\/li>\n\n\n\n<li><strong>Request to Pay (RtP) + e\u2011invoicing for instant collection:<\/strong> a global French bank simplified supplier payments for corporate clients by sending real\u2011time invoice messages and getting an immediate \u2018pay\u2019 or \u2018decline\u2019 status. This improved acceptance certainty and automated reconciliation.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-monetization-models-banks-can-leverage\">Monetization models banks can leverage<\/h2>\n\n\n\n<p>So the question is: how can banks seize this opportunity to monetize? Two ways: through fee-based models, which they can build around niche industry use cases, and by simplifying corporate business workflows:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Workflow or programmability add<\/strong><strong>\u2011ons: <\/strong>theseoffer bank\u2011side programmability (like triggers, conditions, and actions) to automate escrow or milestone releases and inventory\u2011linked supplier payments.<\/li>\n\n\n\n<li><strong>Reconciliation and receivables intelligence: <\/strong>banks can charge for virtual account hierarchies, auto\u2011match Service Level Agreements (SLAs), and dashboards.<\/li>\n\n\n\n<li><strong>Bundled treasury solutions: <\/strong>where banks combine instant payments with working-capital otimization, dynamic discounting, and fraud analytics.<\/li>\n\n\n\n<li><strong>Liquidity and investment products:<\/strong> banks can design interest-bearing accounts or sweep solutions that capitalize on instant settlement, to generate fee-based revenue.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-banks-can-lead-the-instant-payment-wave\">How banks can lead the instant payment wave<\/h2>\n\n\n\n<p>To stand out in the market, banks need to create solutions that solve real business challenges and deliver measurable value. That means:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Scaling instant payments and strengthening core processes:<\/strong> moving from batch to real-time payments, modernizing their payment engines, and enabling 24\/7 RtP access \u2013 as well as implementing payee verification, real-time sanctions screening, and liquidity management.<\/li>\n\n\n\n<li><strong>Prioritizing friction-free integration<\/strong>: orchestrating instant payment solutions that connect seamlessly with their existing accounting and ERP systems through Application Programming Interfaces (APIs) or plug-ins \u2013 so they can initiate and reconcile payments as part of their current workflows.<\/li>\n\n\n\n<li><strong>Monetizing with tailor-made offers:<\/strong> industry context matters \u2013 and logistics, utilities, retail, insurance, marketplaces, and gig\u2011economy platforms all monetize instant speed differently. That means banks need to create vertical, niche solutions rather than one-size-fits-all products.<\/li>\n<\/ul>\n\n\n\n<p>Instant payments are more than a feature: they\u2019re a growth engine. Banks that act now will capture new revenue streams, deepen client relationships, and secure a competitive edge in a rapidly evolving financial ecosystem.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"section section--expert-slider wrapper-people-slider wp-block-cg-blocks-wrapper-people-slider undefined\"><div class=\"container\"><div class=\"content-title\"><h2 data-maxlength=\"34\" class=\"people-heading-title\">Meet our author<\/h2><\/div><\/div><div class=\"slider slider-boxed\"><div class=\"container\"><div class=\"slider-window\"><div class=\"slider-list\">\t\t<div class=\"slide\">\n\t\t\t<div class=\"box\">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t<div class=\"col-md-6 col-lg-4 box-img-wrapper\">\n\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2026\/02\/Niharika.jpg\" alt=\"Niharika\"\/>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col-md-6 col-lg-8 box-inner\">\n\t\t\t\t\t\t<div class=\"row title-social-media-header\">\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 mbl-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"subnav-button--form\" href=\"javascript:void(0)\" aria-label=\"contact us\" data-bs-toggle=\"modal\" data-bs-target=\"#WPBdf5688e7_15df_4929_97db_b59b23415dac\" data-bs-expert-title=\"1\">\n\t\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"ico-form\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Opens in a new window\" href=\"https:\/\/www.linkedin.com\/in\/niharikapd?lipi=urnlipaged_flagship3_profile_view_base_contact_detailsghdzNHppTnCYu7E6zJ17ew\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 box-container\">\n\t\t\t\t\t\t\t\t<div class=\"box-title\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"people-profile-title\">Niharika<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>Senior Manager, Global Banking Industry<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 social-box-container dkt-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"subnav-button--form\" href=\"javascript:void(0)\" aria-label=\"contact us\" data-bs-toggle=\"modal\" data-bs-target=\"#WPBdf5688e7_15df_4929_97db_b59b23415dac\" data-bs-expert-title=\"Niharika\">\n\t\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"ico-form\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Opens in a new window\" href=\"https:\/\/www.linkedin.com\/in\/niharikapd?lipi=urnlipaged_flagship3_profile_view_base_contact_detailsghdzNHppTnCYu7E6zJ17ew\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"people-info\">Niharika helps clients navigate the evolving financial services landscape by advising on emerging banking industry and technology trends. 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This evolution isn\u2019t just about speed: it\u2019s about unlocking new ways to make money and redefine client relationships.<\/p>\n","protected":false},"author":12418,"featured_media":759337,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":true,"cg_dt_link_disabled":false,"_yoast_wpseo_primary_brand":"","_jetpack_memberships_contains_paid_content":false,"footnotes":"","featured_focal_points":""},"categories":[1],"tags":[],"brand":[],"service":[45],"industry":[242,545],"partners":[],"blog-topic":[152],"content-group":[],"class_list":["post-759336","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","service-customer-experience","industry-banking-capital-markets","industry-financial-services","blog-topic-customer-experience"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v22.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Instant payments: The monetization imperative for banks - Capgemini USA<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.capgemini.com\/us-en\/insights\/expert-perspectives\/instant-payments-the-monetization-imperative-for-banks\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Instant payments: The monetization imperative for banks\" \/>\n<meta property=\"og:description\" content=\"Linkedin Instant payment rails are here, and they\u2019re reshaping how money moves. 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