Sources: Capgemini Research Institute for Financial Services Analysis, 2025; World payments report 2025 payment executive survey, N=200.
Note: Business readiness is measured by scoring instant payment pricing strategy, paertnership strategy to expand instant payments, dispute resolution mechanism, risk management framework, etc. Technology readiness is measured by scoring real-time processing capability, API integration, ISO20022 messaging standard, AI powered fraud detection, confirmation of payee checks, etc.