That's roughly what happened when we surveyed 250 senior payments and fintech leaders at Money20/20 Europe this year. A third of respondents said getting real-time data was their single biggest challenge - narrowly ahead of integrating data across systems. This data suggests that framing is increasingly out of step with how senior payments people actually think about their stack. First, treat real-time data access as infrastructure, not as a reporting feature. Authorisation performance is the metric with the clearest line to revenue and it's the one the data infrastructure conversation should be organised around.