Peter Tapling

speaker

497 appearances 2 recordings 1 series first heard Mar 2025 last heard Jul 2025

Peter Tapling’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 · 27 March 2025 Peter Tapling on Payments Headlines, Pay by Bank, and March Madness · 27 Mar 2025 podcast

There was a waiting list at the, at their providers and things like that.

I don't, I think that's gone away.

I think the challenge is as you, you know, we're now talking about smaller financial institutions and for smaller financial institutions, you have to make it make sense from a financial perspective.

So again,

So one of the reasons that, you know, if we look at another payment mechanism in the U.S., Zelle, they got out pretty quickly.

And they're, you know, I think there are 4,000, 3,500 some financial institutions.

But getting those next financial institutions turns out to be really hard.

I would like to see 3,500, 3,000, but it's going to be hard.

One caveat, if...

There's federal government action, which in the current administration, I doubt, but it's possible.

If the Bureau of Fiscal Service wakes up one morning and says all payments of this type will go out via Fed now on January 1st of 2026, you will see another rush of financial institutions joining the network.

Now, are we counting their accounts or actual banks on the network?

Because their accounts today are basically an 85% overlap.

Yeah, okay.

So then, yeah, then I'm a sell.

We're going to find out in a year.

You and I are going to talk again in January of 26, see where we ended up.

Let's go with that.

I hope that you're right.

I'm willing to lose this one.

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