The State of US Instant Payments Adoption

<!DOCTYPE HTML> <html lang="en" xmlns="http://www.w3.org/1999/xhtml"> <head><meta charset="utf-8" /><meta name="viewport" content="width=device-width, initial-scale=1.0" /><title> The State of US Instant Payments Adoption </title><link rel="icon" href="/assets/favicons/favicon.ico" sizes="any" /><link rel="icon" href="/assets/favicons/favicon.svg" type="image/svg+xml" /><link rel="apple-touch-icon" href="/assets/favicons/apple-touch-icon.png" /><link rel="manifest" href="/assets/favicons/site.webmanifest" /><meta name="theme-color" content="#4a4a4a" /><link href="/app_themes/earlgrey/css/bootstrap/bootstrap.min.css" rel="stylesheet" /><link href="/app_themes/earlgrey/css/main.min.css" rel="stylesheet" /> <script src="/scripts/jquery-3.0.0.min.js"></script> <meta content="In this PREDICT 2025 USA interview, Reed Luhtanen, Executive Director, U.S. Faster Payments Council, talks about industry expectations for instant payments in the US for 2028 – the year in which between 70-80% of 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Adoption" /><meta name="twitter:image" content="https://www.finextra.com/finextra-images/top_pics/xl/predict25-reed-luhtanen.jpg" /> <script type="application/ld+json"> { "@context": "http://schema.org", "@type": "Article", "mainEntityOfPage":{ "@type":"WebPage", "@id": "https://www.finextra.com/videoarticle/3202/the-state-of-us-instant-payments-adoption" }, "headline": "The State of US Instant Payments Adoption", "image": { "@type": "ImageObject", "url": "https://www.finextra.com/finextra-images/top_pics/xl/predict25-reed-luhtanen.jpg", "height": 270, "width": 480 }, "author": { "@type": "Person", "name": "Editorial Team" }, "datePublished": "2024-11-14T14:23:00", "dateModified": "2024-11-14T14:26:18", "publisher": { "@type": "Organization", "name": "Finextra", "logo": { "@type": "ImageObject", "url": "https://www.finextra.com/about/finextra-logo.png", "width": 512, "height": 512 } }, "description": "In this PREDICT 2025 USA interview, Reed Luhtanen, Executive Director, U.S. Faster 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14:23:00Z">14 November 2024</time> <span class="card-views card-icon views">4,150</span> <a href="#comments" class="card-comments card-icon messages">Be the first to comment</a> </p> </div>  <div class="tv-video-youtube"> <div id="ctl00_ctl00_body_main_ArticleForm_youTube"> <iframe width="560" height="315" frameborder="0" allowfullscreen src="https://www.youtube.com/embed/e7J2Gfvw-Qc?rel=0&modestbranding=1&autoplay=1" allow="autoplay; encrypted-media"></iframe> </div> </div> <div class="row"> <div class="col-12 col-xl-4">  <div class="button button-secondary content-box button-dark" ><h4>Sponsored</h4><p>This content has been created by the Finextra editorial team with inputs from subject matter experts at the funding sponsor.</p></div> </div> <div class="col-12 col-xl-8"> <div class="tv-video-intro alt-body-copy"><p>In this PREDICT 2025 USA interview, Reed Luhtanen, Executive Director, U.S. Faster Payments Council, talks about industry expectations for instant payments in the US for 2028 – the year in which between 70-80% of financial institutions are expected to receive instant payments, and 30-40% will have the capability to send instant credits.</p></div>  <div id="ctl00_ctl00_body_main_ArticleForm_companyChannelKeyword_dContainer" class="additional-info additional-info-dark"> <div class="row"> <div id="ctl00_ctl00_body_main_ArticleForm_companyChannelKeyword_dCo" class="col-12 col-lg-4 additional-info-column"> <h3 id="ctl00_ctl00_body_main_ArticleForm_companyChannelKeyword_headerCompanies" class="h6">Related Company</h3> <div class="info-icon company"> <a id="ctl00_ctl00_body_main_ArticleForm_companyChannelKeyword_rCompanies_ctl00_hCompany" aria-label="Link to company: US Faster Payments Council" href="/company-news/9695/us-faster-payments-council">US Faster Payments Council</a> </div> </div> <div id="ctl00_ctl00_body_main_ArticleForm_companyChannelKeyword_dCh" class="col-12 col-lg-4 additional-info-column"> <h3 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