by TD Bank at the October 2019 Association of Financial Professionals Conference said they weren't convinced there was a need for RTP in their area, while another 13% said they weren't very knowledgeable about RTP or its value proposition. If firms didn't believe RTP was valuable for them, or didn't understand its benefits, they likely wouldn't adopt it, limiting RTP's reach.
But the pandemic has likely elucidated the importance of RTP to more firms as transactions shift online and people need to quickly transfer funds. Some firms need to pay suppliers in advance to get products during the pandemic, while consumers may have needed to quickly move their stimulus funds, Ledford said, per PaymentsSource.
And because the pandemic may be creating a more urgent need for RTP, it could lead fewer FIs and firms to wait for the US Federal Reserve to launch its own RTP network. The Fed is set to
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