Without having the possibility of the new real-time repayments network (or ubiquity any time in the future)

Without having the possibility of the new real-time repayments network (or ubiquity any time in the future) banks and innovators would be less inclined to build applications to operate together with them. Corporates, whom currently have been clinically determined to have a severe situation of b2b payments inertia, will wave it off through to the