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Research Report

Monetizing Faster Payments 

Just 11% of financial institutions believe they will be able to monetize business-to-business (B2B) instant payments within the next three years. A mere 6% expect to generate revenue from retail-focused offerings. These are among the findings of new research from Cornerstone Advisors, commissioned by Matera, which reveals ways for banks and credit unions to reimagine faster payments as the backbone for new product lines. Executed well, these tools can be powerful engines to generate revenue across commercial, small-business, and treasury markets. 

250901 MATERA Monetizing Faster Payments

What You'll Learn in this Report

  • How to monetize faster payments to gain value beyond speed 
  • Strategies for building and marketing faster payments as embedded solutions within workflows 
  • Why QR code-enabled instant bill payments are a game changer for receivables 
  • Ways financial institutions can partner with payroll fintechs to create integrated solutions that are stickier than standalone payment fees 

Report Stats At a Glance

70-75%

of all demand deposit accounts are enabled for instant payments, with account-to-account (A2A) transfers being the most-frequently cited use case.

80%

 

of financial institutions are in receive-only mode for instant payments.

11%

 

of institutions believe commercial faster payments will be a revenue-generating profit center in the next few years.

Ready to See Real Results With Your Financial Institution?

Solutions from Cornerstone Advisors

Cornerstone Advisors Technology Transformation - Image 2-min

Technology Transformation

 With the right core, digital and other systems, you can compete, thrive and better serve customers and members. Our Technology Transformation services range from helping financial institutions select and implement new technology systems, optimize the systems they already have for maximum performance, as well as help your organization develop a technology roadmap to determine the state of your current technology and what you need to become future ready.

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Cornerstone Advisors Performance - Image 2-min

Performance

Cornerstone’s Performance solutions provide a wide range of consulting expertise to help clients identify opportunities to increase efficiency and productivity across their entire organization, whether it’s enhancing the digital experience or optimizing payments. We leverage these services with our proprietary tools, including Performance Vault and Analytics Vault. Armed with unparalleled insider data analytics and benchmarking intel, your bank or credit union will gain the confidence to make sound, data-driven decisions.

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About Cornerstone Advisors

For over 20 years, Cornerstone Advisors has delivered gritty insights, bold strategies and data-driven solutions to build smarter banks, credit unions and fintechs. From technology system selection and implementation to contract negotiations, vendor management, performance improvement programs, strategic planning, merger integration and enterprise program management, Cornerstone combines its expertise with proprietary data and research to help financial institutions thrive in today’s challenging environment. For more information, visit www.crnrstone.com, connect with us on LinkedIn and Youtube, and subscribe to GonzoBanker® for our opinionated take on all things banking.