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",[],{"type":427,"text":435,"spans":436,"direction":430},"This has created “a substantial headache and genuine operational and technical challenge for a lot of US banks,” Form3 Chief Product Officer Eimear O’Connor told PYMNTS in an interview, pointing to the separate technical builds and distinct operational processes caused by differences in specifications and rules governing the two instant payments systems.",[],"rich_text$de490af2-bd35-4c6d-abc1-659c4c1a65af","rich_text",{"variation":421,"version":422,"items":440,"primary":441,"id":453,"slice_type":438,"slice_label":13},[],{"body":442},[443],{"type":427,"text":444,"spans":445},"Watch: https:\u002F\u002Fwww.youtube.com\u002Fwatch?v=https:\u002F\u002Fvimeo.com\u002F922522383",[446],{"start":447,"end":448,"type":449,"data":450},7,66,"hyperlink",{"link_type":451,"url":452},"Web","https:\u002F\u002Fwww.youtube.com\u002Fwatch?v=https:\u002F\u002Fvimeo.com\u002F922522383","rich_text$0cc40335-25bd-4649-9367-7c19ab21b57b",{"variation":421,"version":422,"items":455,"primary":456,"id":473,"slice_type":438,"slice_label":13},[],{"body":457},[458,461,464,467,470],{"type":427,"text":459,"spans":460},"As a result, managing real-time transaction processing and reconciliation poses a significant challenge for many banks’ back offices which aren’t inherently geared for instant environments, further complicating the operational landscape.",[],{"type":427,"text":462,"spans":463},"As O’Connor explained, many financial institutions (FIs) are still transitioning from batch and overnight processes — operations that were not time-sensitive and often invisible. 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Payments-as-a-service, on the other hand, allows banks to delegate round-the-clock technology management, while ensuring platforms evolve to meet future needs and scheme requirements.",[],{"type":427,"text":492,"spans":493,"direction":430},"And together, the combination of microservices and payments-as-a-service offerings enables banks to seamlessly integrate additional services into their payment flows, O’Connor said, facilitating product customization and data-driven insights for both internal and external use.",[],"rich_text$9a2fa4ed-4483-469d-8de9-17307d31fb80",{"variation":421,"version":422,"items":496,"primary":497,"id":517,"slice_type":438,"slice_label":13},[],{"body":498},[499,502,505,508,511,514],{"type":479,"text":500,"spans":501,"direction":430},"Futureproofing as a Strategy and Mindset",[],{"type":427,"text":503,"spans":504,"direction":430},"Today, FIs find themselves at a pivotal moment, grappling with significant choices concerning their technology infrastructure. As O’Connor explained, these decisions will involve weighing the benefits of in-house development against outsourcing to external technology providers, both of which underscore the need for “futureproofing” strategies.",[],{"type":427,"text":506,"spans":507,"direction":430},"For those choosing in-house development, understanding the importance of not only initial investments but also ongoing ones as real-time payment systems evolve and adapt to market changes will be crucial.",[],{"type":427,"text":509,"spans":510,"direction":430},"“It’s not a once and done [process],” she said, “and with the differences that we are already seeing in terms of the instant payment schemes, I think that is becoming very clear.”",[],{"type":427,"text":512,"spans":513,"direction":430},"Finally, O’Connor emphasized the need for a forward-thinking mindset, urging banks to leverage instant payments infrastructure for future product innovation.",[],{"type":427,"text":515,"spans":516,"direction":430},"This involves identifying customer pain points and exploring opportunities to develop competitive and compelling payment products, “whether it’s targeting the card space or higher-value payment use cases where instant payments [systems] can play a significant role in reducing the cost associated with delivering those payments in an instant manner,” she said.",[],"rich_text$358c6c2f-185e-4d7c-8c24-fc0ac21fca92",{"variation":421,"version":422,"items":519,"primary":520,"id":531,"slice_type":438,"slice_label":13},[],{"body":521},[522],{"type":427,"text":523,"spans":524},"Originally published on PYMNTS.com",[525],{"start":526,"end":527,"type":449,"data":528},24,34,{"link_type":451,"url":529,"target":530},"https:\u002F\u002Fwww.pymnts.com\u002Fnews\u002Ffaster-payments\u002F2024\u002Freal-time-payments-need-orchestration-layer-to-solve-interoperability-gap\u002F","_blank","rich_text$8e8feef3-e032-42bc-9f17-1b93af3a99a1","The financial landscape is rapidly evolving in an era of faster payments, presenting a blend of opportunities and setbacks. 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