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TCH Sees ‘Mindset Shift’ Driving Integrated Instant Payments Gains

As much as COVID-19 gave digital tech and payments a boost, many industry experts think the next three years may hold similarly grand advancements, particularly when it comes to faster payments.

For Peter Davey, senior vice president and head of product innovation at The Clearing House, the road to 2025 will be a greenfield opportunity for instant payments gains on a global basis, with a focus on integration first, followed by innovation later.

“The infancy of APIs — which we’ve been in for the last couple of years — will lead toward more embedded services, embedded commerce and embedded banking,” Davey said, pointing to the growing adoption of the RTP network, TCH’s real-time payments system, and the mid-2023 launch and gradual uptake of FedNow.


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