INSIGHT · GLOBAL
Majority of banks still unable to offer real-time payments due to manual processes
Survey reveals that most banks lack the automation infrastructure to deliver real-time payments—bottleneck is legacy back-office workflows, not API availability. RTP capability remains a competitive moat for modernised lenders.
WHY IT MATTERS
Banks investing in RTP-ready orchestration platforms (like Temenos, SS&C) gain market share; those remaining on batch processing risk deposit flight to neobanks and pay-by-phone rivals.
Source: Finextra · 2026-06-30