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ACI Global Solutions, “Executive Guide to Immediate/RT Payments,” 2017,

Accenture Payments, Everyday Bank Research Series, “A Real-Time Revolution: Faster Payments in the US,” 2016,

Accenture Payments, “A Real-Time Revolution: Faster Payments in the U.S.,” 2016,

Accenture Research, “Back Office, It’s Time to Meet the Customers,” 2018,

Augustine, Karen, Mercator Advisory Group,“ U.S. Consumers and Debit: Shift to Online May Inhibit Use,” Jan. 2018,

BNY Mellon, “Faster Payments Have Arrived: Now What?” April 2018,

Daily, Jim, Digital Transactions, “P2P and Beyond,” Jan. 2, 2018,

Deloitte, “Real-time payments are changing the reality of payments,” [no date]

Federal Reserve Banks, “Research on End-User Demand for Select Payment Attributes: Research Results Summary,” [no date]

Federal Reserve, Faster Payments Task Force, “Final Report Part One: The U.S. Path to Faster Payments,” Jan. 2017,

Federal Reserve, Faster Payments Task Force, “Final Report Part Two: A Call to Action,” July 2017,

Federal Reserve Banks’ Payments Exchange, “U.S. Faster Payments Council Proposed: Industry Encouraged to Review, Comment,” April 24, 2018,

Fifth Third Bank, Executive Insights, “Real-Time Payments: Promises, Benefits, and Why It Matters,” [no date]

Fifth Third Bank, Executive Insights, “What is the Difference Between Same Day ACH and RTP? A Treasury Professional Primer,”

Finextra, “PayPal racks up revenues, profits and user number,” Oct. 20, 2017,

ForbesBrandVoice, “Why banks should act fast on RTP,” Jun 24, 2016,

Gilhawley, Carol, ABA Bank Marketing, “Zelle and the P2P Payments Race,” Oct. 6, 2017,

Green, Rachel, Business Insider, “US Bank sees success with Zelle,” Dec. 11, 2017,

Hanth, Trevir, Investopedia, “How Safe Is Venmo And Why Is It Free?” Updated: Oct. 17, 2017,

Leswing, Kif, Business Insider: “Apple’s Venmo killer is finally here – here’s how it works,” Dec. 4, 2017,

Light, Jeremy and Thomalla, Paul, ACI Universal Payments and Accenture, “Executive Guide to Immediate/Real-Time Payments,” May 2017,

Lucas, Jennifer Lucas and Mitchell, Cerena, Payments Journal, “The Reality of Real-Time Payments,” April 30, 2018,

McKinsey on Payments, Volume 8, Number 21, “Faster payments: Building a business, not just an infrastructure,” May 2015,

Noto, Grace, Bank Innovation “With Realtime Payments Comes Realtime Fraud—and Banks Need to Prepare, Feb. 20, 2018,, “Banks Dreading The Real-Time Payments Challenge,” Oct. 21, 2016,, “Venmo Instant Cash Now Live for All Users,” Jan 26, 2018,

Seth, Shobhit, Investopedia, “Venmo: It’s Business Model and Competition,” Updated: April 28, 2017,

Skinner, Chris, Chris Skinner’s Blog, “Where’s the ROI in Immediate payment systems?” Jan. 2017,


Stewart, John, Digital Transactions, “Facing Popular P2P Rivals, Bank-Owned Zelle Posts Healthy Growth and Revs Up Ads,” Feb. 2018,

Tearsheet, “Why banks have trouble selling real-time payments,” April 2, 2018,

The Clearing House website, RTP,

Wall Street Journal, “Next Up for Amazon: Checking Accounts,” March 5, 2018,

Yu, Jea, Investopedia, “Venmo vs Square Cash,” Sept. 6, 2016,