Adoption Is Becoming the Industry StandardMost financial institutions have already embraced, or are preparing to embrace, real-time payments, shifting the industry’s focus beyond basic adoption. Alacriti likewise finds that 71% of FIs now consider instant payments either critical or important to their payments strategy. PYMNTS Intelligence research shows that FIs’ biggest concerns have shifted away from the value of instant payments themselves. Execution Is Emerging as the Real Competitive AdvantageAs adoption becomes commonplace, long-term differentiation depends on how effectively financial institutions build on their real-time payment capabilities. Moving From Adoption to AdvantageThe competitive landscape for real-time payments has entered a new stage of maturity.