Global_Trends_Finance_RTP_Wallets_5min

1.

Global Trend in Finance:
Real-Time Payments & Digital
Wallets
5-minute team presentation
September 24, 2025
(With audience interaction prompts)

2.

Why this is a global trend
• Why this trend matters
• 24/7/365 speed and convenience for
consumers and SMEs
• Lower cost than cards for many use cases
(e.g., QR + account-to-account)
• Push payments reduce chargeback risk and
Quick poll → Would you prefer instant transfers over traditional card payments if fees were lo
enable new models (P2P, bill pay)
• Regulators are accelerating rollout (EU, U.S.,
LatAm, Asia)

3.

Real-time payments are exploding
worldwide
Top real-time payment markets by transaction volume (2023)

4.

Case study: India UPI growth
UPI monthly transactions passed 20 billion in Aug 2025 (NPCI)

5.

Digital wallets are becoming the
default at checkout
Wallets ~50% of global e-commerce (2023) and rising; POS share projected to climb to ~43% by 2026 (Worldpay GPR).

6.

Rules & rails: why this will stick
• Policy momentum reshaping markets
• EU Instant Payments Regulation (2024): euro
transfers in ≤10 seconds; wider access, lower
fees
• United States: FedNow live with 1,300+
institutions by 2025
Think-pair-share → In 1 minute, list one risk (fraud, scams) and one opportunity (lower fees, n
• Brazil: PIX record day 250.5M transactions
(Apr 6, 2024); near-universal adoption

7.

Wrap-up: what’s next + quick quiz
• What this means for finance
• Merchants: steer to lower-cost rails (A2A), add
wallet/QR options
• Banks/fintechs: real-time bill-pay,
request-to-pay, payroll on demand
• Investors: watch instant-payment enablers,
Exit question → In 1 sentence: how will real-time payments change something you do every w
fraud-prevention, wallet ecosystems
• Consumers: faster refunds, splitting bills,
cross-border pilots

8.

Sources
• ACI Worldwide & GlobalData (2024): Prime
Time for Real-Time – Executive Summary.
• ECB (2024): Instant Payments Regulation (IPR)
overview.
• Reuters (2024-02-26): EU adopts instant
payments rules — transfers in ~10 seconds.
• Federal Reserve (2025-04-16): FedNow
momentum — 1,300+ institutions live.