FedNow Turns One: What Have We Learned About US Real-Time Payments? [Forbes]
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MercadoLibre, Inc. (MELI)
Last mercadolibre, inc. earnings: 2/10 04:01 pm
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Source: Forbes
More than 70 other countries already had national RTP rails at the time and some, like Brazil, India, and China have seen huge adoption in the years since they rolled out their own infrastructure. At the time, I compared their experience with the uniquely fragmented banking landscape and entrenched card payment infrastructure in the United States to make Those predictions were: FedNow would start a domino effect of RTP adoption, led by consumer use cases Mass network connectivity would take close to a decade FedNow would replace cash and checks, but not credit cards Person-to-business (P2B) account-to-account use cases would grow slowly, but steadily FedNow would offer an incremental improvement on payment infrastructure, not a paradigm shift Interoperability would be a prerequisite for any QR code renaissance Digital wallets would become the next battlefield in e-commerce and at the point of sale Authorized push payment fraud would rise Attracted by high speeds an
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