Connecting to a real-time payment rail is the straightforward part. Connecting to a real-time rail is not the same as delivering a real-time experience. When it is not, no amount of rail speed makes up for it. What breaks when the rail runs ahead of the systemsThe trouble starts when a business connects to a real-time rail before the systems behind it are ready. The task now is making sure the systems behind them are ready to keep the promise the rail makes possible.