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NACHA Smarter Faster Payments 2025: Faster Is Key, But Don't Forget About Tried and True

Publisher IDC
Published Jun 02, 2025
Length 6 Pages
SKU # IDC20068561

Description

This IDC Perspective discusses the annual NACHA Smarter Faster Payments conference that highlighted the transformative role of payments beyond transactional revenue, emphasizing their impact on deposits, products, innovation, and relationships. Key themes included the rise of instant payments, the enduring relevance of ACH, and the need for continuous innovation. Banks face liquidity concerns with faster money movement, while consumerization of payment demands seamless payment experiences. Payment technology buyers should prioritize adaptable systems, ACH modernization, and instant payment adoption, addressing liquidity concerns with real-time data analytics."Payments transcend transactions, driving innovation and relationships; embrace change or face opportunity costs. Modern systems offer better experiences and data integration." — Aaron Press, research director, Worldwide Payment Strategies at IDC

Table of Contents

6 Pages

Executive Snapshot

Situation Overview

General Themes

Whether You Call It Instant, Faster, or Real Time, Change Is Coming

ACH Isn't Going Away

Some Cannibalization Between Payment Types Is Inevitable, and (Mostly) Welcome

Deposit Concerns Versus Liquidity Concerns

Consumerization of Everything, Including Payments

Continuous Innovation Is the New Normal

Some of the Leading Instant Payment Use Cases Are Surprising

Other Uses Cases Are Less Surprising and Growing Rapidly

Implement Both U.S. Instant Rails

Myths Are Getting Busted

Myth 1: Faster Payments Lead to Faster Fraud

Myth 2: Everyone Wants to Get Paid Quickly and Make Payments Slowly

Myth 3: My Customers Aren't Asking for Instant Payments

Advice for the Technology Buyer

Recommendations

Learn More

Related Research

Synopsis

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