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This is the infrastructure that sits behind your mobile, internet and branch banking services, ensuring that the billions of bank-to-bank payment messages, (e.g. Faster Payments, Standing Orders, Direct Credits and Direct Debits), continue to be processed in a secure and timely way.",[],{"type":421,"text":472,"spans":473,"direction":424},"The NPA Programme will create a new clearing and settlement infrastructure using a new common message standard (based on ISO20022). It’s a little bit like the plumbing for financial services. The ultimate aim is for this infrastructure to process Faster Payments, Bacs Debits or Credits and Cheque payments, thereby rationalising three current scheme infrastructures into one.",[],{"type":421,"text":475,"spans":476,"direction":424},"Conceptually, the NPA proposes a standardised, layered approach to facilitate better access, stability, resilience, innovation and competition. 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For example, it is dependent on the successful delivery of the new core clearing and settlement layer. The Bank of England is forecasting to deliver their upgraded Real-Time Gross Settlement (RTGS) system after 2021. In the meantime, incremental improvements will be delivered to the payment services from 2019, with the delivery of so called ‘overlay services such as Confirmation of Payee and Request to Pay.",[],{"type":421,"text":524,"spans":525,"direction":424},"From a core payments perspective, the focus is expected to be on upgrading the Faster Payments Service, given that this is where the majority of future payments growth is expected to be derived.",[],{"type":421,"text":527,"spans":528,"direction":424},"Pay.UK are currently running the RFP process, with a preferred supplier expected to be announced in Q2 2020. 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