Mike Bilski

speaker

136 appearances 1 recordings 1 series first heard Dec 2025 last heard 18 Dec

Mike Bilski’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 · 18 Dec 2025 Mike Bilski of North American Banking Company Instant Payments Visa Direct Mastercard Send FedNow RTP Minnesota Twins Eggnog · 18 Dec 2025 podcast

29% of our RTP transactions happened on the Saturday, Sunday, and the two holidays in November.

So, um, you know, there's significant, uh, you know, for our little shop, it's still pretty significant.

Uh, the balances, uh, totaled about 20 million that was moved on those, uh, I think there was nine days and, you know, in total, we moved, uh, almost a hundred million of balances, uh,

with faster payments fed down RTP for the month of November.

So, you know, while we've chosen to be an originator, what

I would like other bankers to start thinking about that haven't connected is these are live deposits that their customers could be getting as receivers.

I think that's a mismetric when my compatriots and community banks are trying to analyze the cost of connecting.

And they're really missing out on the receipt side of what could happen to their balances.

Well, several P2P payment apps.

We have several loan origination customers.

We have a couple of large...

customers that are paying out winnings per se.

We have

Just all kinds of extra payments that are happening on a timely basis.

You know, I'm surprised at the number of P2P transactions that are happening.

It's just person to person.

Yeah, it's only some of us bankers who walk by a teller line every day.

Did he charge you interest?

Well, I just think the instant access information that we have, I know we have to pay attention to fraud, but I really do think QR codes can make things happen quicker.

And, you know, we just have to get more people involved.

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