Your customers aren’t wondering if money can move instantly anymore—they expect it. And we’re not talking about that old paper kind of money. Customers want digital convenience, right from their mobile device.
Whether it’s splitting dinner, paying rent, or transferring funds to a family member, they want a fast, easy way to move money electronically—right now. And if you’re not offering that through your app, they’re already using someone else who is.
That’s the problem.
But it’s also your opportunity.
FedNow® makes it possible to deliver real-time person-to-person (P2P) payments, 24/7, without relying on third-party apps that siphon off deposits and engagement. Aptys helps you bring that experience in-house—on your terms.
“Can I send money to my daughter right now?”
That’s not just a casual question. That’s a customer asking for instant payments—whether they know it or not.
What to listen for:
- “I need to pay my friend back.”
- “Can I send money to my son at college tonight?”
- “My babysitter wants to be paid now.”
- “I forgot to pay my rent yesterday—can I still get it there by 5:00 PM?”
- “I’m buying a used car off Facebook Marketplace, and they’ll only take immediate payment. I don’t want to carry that much cash.”
What that really means:
- Emergency family transfers on weekends
- Everyday reimbursements and shared expenses
- Real-time support for kids, parents, or friends
- Late payments that need to arrive immediately
- Electronic payments with instantly available funds
Why it matters for your FI:
- Delivers the instant digital experience consumers now expect
- Prevents attrition to fintech apps—keeps deposits in-house
- Builds digital loyalty inside your own ecosystem
- Positions your institution as modern and forward-thinking
- Reinforces your reputation as a problem-solver for customers
Here’s the bottom line:
If you’re not enabling instant payments, you’re leaving the door wide open for someone else to step in and do it for you. Start building the digital infrastructure that prepares your financial institution for the future—now.
Powered by Aptys:
Aptys helps you deliver FedNow-enabled P2P payments directly inside your mobile banking app—no third-party apps, no lost engagement, just instantaneous money movement on your terms. Let’s modernize how your customers move money—before someone else does it for you.