Deepak Gupta

speaker

304 appearances 1 recordings 1 series first heard Feb 2025 last heard Feb 2025

Deepak Gupta’s voice in public audio — every appearance, attributed to the second.

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Off the Rails from the U.S. Faster Payments Council - FPC · 14 Feb 2025 Deepak Gupta from Volante Technologies · 14 Feb 2025 podcast

So those guys did it, but they really haven't seen the adoption you would have expected to, at least not in terms of the volumes that they would have liked to see.

Because if I'm a bank, if I'm an FI, I would like to see the ROI on the investment I made.

And ROI is decided by how much additional business can I generate because I have this offering for my customers.

And they have seen some, but they haven't seen the, you know, break the door kind of demand for this.

But if you come down to the next level of mid-sized banks, which I would say from 10 billion to 50 billion, they are basically, you know, dipping their toe in the water on faster payment right now, and they are getting ready for it.

So I think the larger guys,

would not say that, but the mid-sized guys are saying that.

And what they want to see is, number one, they want to see an uptake because they really haven't seen that.

And also provide more ubiquity to the end users.

Just because you offer send and receive doesn't mean you offer a ubiquitous service.

And they need to see cross-fertilization.

And also, I think the smaller FIs are more cautious.

And they're more cautious because their customers are not asking for it yet.

And when I say smaller, I mean below $10 billion.

Their customers are not asking for it yet.

And also, they would like it to be part of the integration between their core system.

So they would like to make sure that the faster payment is integrated to the core banking so they don't have to invest a substantial amount of resources to offer it.

I think it depends on what size you are on.

And my take is over time, you would see it start to go up across all tiers of the banks.

But I'm not surprised to see it right now.

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