As real-time money movement expands beyond a single rail, financial institutions need an architecture that preserves the core as the system of record without allowing the core roadmap to determine the pace of payments innovation.

For financial institutions, the build-versus-buy decision should account for engineering capacity, time to market and the value of what gets built on top of the payment rails.

As instant payments mature, financial institutions need to look beyond network participation and consider how send capabilities can support real payment use cases, transaction activity and deeper account-holder relationships.

Pidgin is helping financial institutions enable FedNow receive and send capabilities while taking advantage of new incentives that can help offset implementation costs.

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