Look at how far the US has gotten in 5 years of payment innovation. Pitiful. Many processors are still next day. BUT we got a chip in CC. Industry is wide open still. https://www.frbservices.org/financial-services/fednow/faster-payments-transactions.html?utm_campaign=20200827_FS_PR_FN_FedNowNews_TSTV1_2&utm_medium=email&utm_source=Eloqua