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It’s only natural that consumers should want to have the payment services they use brought into line with these principles. ",[436],{"start":437,"end":438,"type":439},181,182,"strong",{"type":424,"text":441,"spans":442,"direction":422},"They shouldn’t have to wait for payments to clear when the goods and services purchased are available instantaneously. That’s a dislocated experience. So the demand for real-time settlement is certainly there, and banks that adopt FedNow will dramatically improve the payment experience for their customers. 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Infrastructure must be reliable and secure,​ with high levels of resilience and zero downtime to ensure a true 24\u002F7 service.",[464],{"start":465,"end":466,"type":439},4,5,"rich_text$0dfe9186-e508-4307-bf23-bdc359f527e9",{"variation":413,"version":414,"items":469,"primary":470,"id":478,"slice_type":450,"slice_label":13},[],{"body":471},[472,475],{"type":419,"text":473,"spans":474,"direction":422},"In summary, wait-and-see is the wrong approach to FedNow",[],{"type":424,"text":476,"spans":477,"direction":422},"Banks should be aware that the approach they take to implementing FedNow needs to be streamlined and cost-effective. In a challenging economy, internal resources are likely to be stretched, and there may be a temptation to play the waiting game. But the cost of doing nothing will be considerable. ",[],"rich_text$073d12c9-436a-480a-8bb6-4540f0233821",1788466509954]