Overview

As consumers’ desire for efficient, on-demand, and seamless digital experiences expands, account-to-account (A2A) transactions loom as a contender for their payments. Faster payment rails, including the coming FedNow service, will create new opportunities for use cases across the payments ecosystem.

A2A holds promise for consumers and merchants alike. Consumers can get the kind of high-quality user experiences they crave from restaurant ordering and streaming services, and merchants can cut down on interchange costs by pushing their customers to adopt the payment method.

Key questions discussed in this report:

  • What are account-to-account transfers?
  • How do RTP and ACH payments differ?
  • What are the compelling use cases for A2A payments?

Companies mentioned:

ACI, Apple, Astra, European Banking Authority, Federal Reserve, FedNow, FIS, Fiserv, Jack Henry, Mastercard, PSCU, The Clearing House, Venmo, Visa, Zelle

Book a Meeting with the Author

Related content

November 06, 2025
2026 Debit Payments Trends

For decades, the checking account has served as the foundation on which all consumer and business payments have rested. But that stability is now beginning to give way to the seemi...

August 28, 2025
Shifting the Balance: How Consumers Are Using Bank Accounts Today

Consumer payment habits show an interesting blend of change and resilience. As those habits relate to the use of checking accounts—and even fintech offerings that aren’t really che...

July 25, 2025
The Great Bill Pay Reset: How Real-Time Payments and Open Banking Are Upending the Status Quo

Bill pay is no longer a utility but the frontline battle for agent-driven, real-time payments. The evolution of open banking and financial automation means banks that fail to moder...

Make informed decisions in a digital financial world

Let's Connect