Vishal Pasari

speaker

342 appearances 1 recordings 1 series first heard Jul 2025 last heard Jul 2025

Vishal Pasari’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 · 10 July 2025 Vishal Pasari of Euronet on International Learnings for Instant Payments and Squid Game on Netflix · 10 Jul 2025 podcast

But if you really boil it down, there are at least two broad themes that I can think of that are global in their applicability to answer your question.

So number one,

the role of the government in fast forwarding adoption.

The intentions and the corresponding actions might be different and driven by conditions specific to that market.

But without a doubt, we've seen this over and over, the involvement and support of the government is a universal catalyst to drive real-time payment adoption.

So if you think of India, India's motivation was completely different, right?

It was to drive financial inclusion.

And so the government did things like providing zero fee bank accounts, right?

They want to kind of promote electronic payments.

So they eliminated merchant discount rates, they created unified QR codes, et cetera, et cetera, that really led to merchant adoption.

Brazil did something even more different, right?

They mandated PICs for institutions that had more than 500,000 accounts.

Now, it's easy to look at these examples and say, hey, these don't apply to the U.S., right?

But it's not that binary, right?

It's not DNA.

And we would be greatly underestimating the influence of the government in driving adoption of real-time payment trails, even in the U.S., especially in the initial days, right, in the initial growth curve as we see it.

Let's take some examples, right?

President Trump issued an executive order back in March to phase out paper checks by, I think it was by September 30th for all federal disbursements, right?

So that's tax refunds, social security benefits, vendor payments, et cetera.

Now this is electronic payments, not instant payments, right?

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