Payment options for community banks continue to expand, providing new opportunities for innovation. From instant and faster payment rails like RTP, FedNow and Same Day ACH to payment overlay services like CHUCK, buy now pay later (BNPL) and person-to-person (P2P) services such as Zelle, the choices seem endless. For community banks to stay competitive, they must focus simultaneously on supporting faster payment rails and a better digital customer experience with payment overlays. " While instant payments are still relatively new in the United States, they are not new from a global perspective, " says Nick Denning, senior vice president of industry relations for ICBA. " As these new rails have launched internationally, one key learning is that the rails alone won't drive adoption. It's the emergence and scaling of overlay services that drive adoption and volume. " By Mary J. Yerkes independentbanker.org // 49http://www.independentbanker.org