Finextra – The Future of US Digital Payments: ACH & Beyond, 2025

The main theme of the report is forecasting the future of digital payments in the US by 2025, focusing on ACH (Automated Clearing House) and other payment systems.

Key findings include the expectation that digital payments in the US will become more convenient and secure. The concept of instant payments is gaining popularity due to initiatives like FedNow and Real-Time Payments by The Clearing House. ACH will continue to coexist with instant payments, remaining the preferred method for bulk transactions. The growth of instant payments will be supported by enhanced data and integration into automated solutions. Widespread use of digital wallets and new technologies such as artificial intelligence and biometric authentication is anticipated.