Independent Banker - October 2018 - 33
that did was it really showed that there
is a consensus in the country that we
are going toward faster payments, "
says Ledford.
RTP and the broader financial
services industry continue to put
important building blocks in place to
develop effective and efficient faster-payment
systems. Another rail
alternative is ACH, which currently
processes its Same Day ACH transactions.
It remains to be seen whether
additional rails or platforms emerge,
including one that the Federal Reserve
introduces. Core processors and other
third-party providers are developing
solutions that will allow banks to connect
into RTP and offer their customers
faster-payment products and services.
Consumer expectations
The financial services industry recognizes
that it has to do something
related to fast, real-time payments,
because it's what today's consumer is
expecting, says Kathy Strasser, executive
vice president, chief operating
officer at River Valley Bank, a $1.3 billion-asset
bank based in Wausau, Wis.
Strasser serves on ICBA's Bank Operations
& Payment Committee and on
the RTP Advisory Committee. " From a
high level, I applaud our industry pulling
everything together on the Faster
Payments Task Force to try to figure
out how to achieve this, " says Strasser.
Yet some community banks are
cautious about joining RTP given that
TCH is owned by the country's 11 largest
banks, which already control about
half of the deposits in the U.S. They are
also waiting to get additional guidance
from the Fed, and some are waiting for
more insight on how well RTP works.
" We're kind of in a 'wait and see,' " says
Strasser. " Is it going to work? What are
the issues that they are dealing with?
How do they deal with fraud? Are there
any regulatory issues? There are just
so many questions, and we have to be
Stay on the leading edge with your community bank's mobile
payment offerings with ICBA's Mobile Payments Toolkit. Learn
more at icba.org/solutions/tools
http://www.icba.org/solutions/tools
Independent Banker - October 2018
Table of Contents for the Digital Edition of Independent Banker - October 2018
Table of Contents
Independent Banker - October 2018 - Intro
Independent Banker - October 2018 - Cover1
Independent Banker - October 2018 - Cover2
Independent Banker - October 2018 - Table of Contents
Independent Banker - October 2018 - 2
Independent Banker - October 2018 - 3
Independent Banker - October 2018 - 4
Independent Banker - October 2018 - 5
Independent Banker - October 2018 - 6
Independent Banker - October 2018 - 7
Independent Banker - October 2018 - 8
Independent Banker - October 2018 - 9
Independent Banker - October 2018 - 10
Independent Banker - October 2018 - 11
Independent Banker - October 2018 - 12
Independent Banker - October 2018 - 13
Independent Banker - October 2018 - 14
Independent Banker - October 2018 - 15
Independent Banker - October 2018 - 16
Independent Banker - October 2018 - 17
Independent Banker - October 2018 - 18
Independent Banker - October 2018 - 19
Independent Banker - October 2018 - 20
Independent Banker - October 2018 - 21
Independent Banker - October 2018 - 22
Independent Banker - October 2018 - 23
Independent Banker - October 2018 - 24
Independent Banker - October 2018 - 25
Independent Banker - October 2018 - 26
Independent Banker - October 2018 - 27
Independent Banker - October 2018 - 28
Independent Banker - October 2018 - 29
Independent Banker - October 2018 - 30
Independent Banker - October 2018 - 31
Independent Banker - October 2018 - 32
Independent Banker - October 2018 - 33
Independent Banker - October 2018 - 34
Independent Banker - October 2018 - 35
Independent Banker - October 2018 - 36
Independent Banker - October 2018 - 37
Independent Banker - October 2018 - 38
Independent Banker - October 2018 - 39
Independent Banker - October 2018 - 40
Independent Banker - October 2018 - 41
Independent Banker - October 2018 - 42
Independent Banker - October 2018 - 43
Independent Banker - October 2018 - 44
Independent Banker - October 2018 - 45
Independent Banker - October 2018 - 46
Independent Banker - October 2018 - 47
Independent Banker - October 2018 - 48
Independent Banker - October 2018 - 49
Independent Banker - October 2018 - 50
Independent Banker - October 2018 - 51
Independent Banker - October 2018 - 52
Independent Banker - October 2018 - 53
Independent Banker - October 2018 - 54
Independent Banker - October 2018 - 55
Independent Banker - October 2018 - 56
Independent Banker - October 2018 - 57
Independent Banker - October 2018 - 58
Independent Banker - October 2018 - 59
Independent Banker - October 2018 - 60
Independent Banker - October 2018 - 61
Independent Banker - October 2018 - 62
Independent Banker - October 2018 - 63
Independent Banker - October 2018 - 64
Independent Banker - October 2018 - 65
Independent Banker - October 2018 - 66
Independent Banker - October 2018 - 67
Independent Banker - October 2018 - 68
Independent Banker - October 2018 - 69
Independent Banker - October 2018 - 70
Independent Banker - October 2018 - 71
Independent Banker - October 2018 - 72
Independent Banker - October 2018 - 73
Independent Banker - October 2018 - 74
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Independent Banker - October 2018 - 76
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Independent Banker - October 2018 - 78
Independent Banker - October 2018 - 79
Independent Banker - October 2018 - 80
Independent Banker - October 2018 - Cover3
Independent Banker - October 2018 - Cover4
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