Consumer dissatisfaction with paper checks is at an all-time high, expectations for instant money is becoming the default, and the capability for real-time push payments has arrived.

A number of recent studies have documented the disfavor of paper checks. Consumers are simply fed up with the wait and frustration of this outdated payment instrument. For years, its ubiquity and acceptance have buoyed its use, but the paper check can no longer compete with instant everything.

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