Treasury Teams Wary of Adopting Real-Time Payments

Real-time payments can help companies move funds and reconcile accounts more quickly, but treasury teams must still weigh costs, cybersecurity, liquidity management and integration with existing systems before adopting new tools. Compared with established ACH and wire transfers, companies currently view real-time payments largely as a supplementary channel for specific use cases rather than a comprehensive replacement.

The latest PYMNTS research found that only 5% of large small and medium-sized businesses have fully digitized their payments. Most treasury teams remain on the sidelines because the value of the investment is not yet clear and system integration is difficult. The report did not disclose the survey's publication date, sample size or transaction values, but said companies want vendors to demonstrate measurable results before they expand adoption.