
Payments Nerds · 2026-06-18 · 29 min
Instant payments have reached a tipping point as the RTP® network continuing to expand. The technology is proven, best practices are known, and financial institutions can no longer afford a wait-and-see approach - especially when it comes to enabling send capabilities. In this episode, Marcia Klingensmith of Candescent explains why banks and credit unions must move beyond receive-only participation, modernize their technology foundations, address fraud concerns with confidence, and prepare for a future shaped by AI, real-time data, and B2B innovation.