By: Lou Grilli, Senior Innovation Strategist Consumers now more frequently expect payments to be instant – even when they are not. Tapping a card at the grocery store and walking out with a full cart leads many to assume that their payment was instant. Even popular peer-to-peer (P2P) payment platforms like Venmo, Zelle, Apple and others give the perception that transfers are instant when, in reality, the settlement of the funds – moving money from the sender’s financial institution or fintech to that of the recipient – usually uses ACH and can take up to three days to complete. Consumers...