Skeptics say the budding technology is a gamble because banks must disrupt card fee revenue while trying to change consumer habits.

Credit card companies have ramped up their offerings and other payment providers have announced plans as well. But can it go fully mainstream if financial institutions aren’t on board?

Some say these digital assets are the key to making sure deposits stay in the banking system long-term.

Although a recent court ruling denied Custodia Bank access to the Fed’s payment rails, the central bank now appears ready to provide access to nontraditional institutions on its own.

Fiserv and FIS have proposed stablecoin offerings for banks and credit unions, but how many will want to use them?

The potential of pay by bank to disrupt the card payment value chain is clear.

Financial institutions can’t afford to overlook the strategic connection between payment operations and deposit retention.

The future of payments isn’t just about keeping up with innovation; it’s about staying ahead.

With the proper infrastructure in place, instant payments could usher in a new era of real-time financial transactions.

The ease of FedNow could revolutionize the payments landscape, offering a significant opportunity for banks.