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RTP transactions are convenient, fast and secure for both consumers and businesses. They offer immediate confirmation of payment, reducing the chance of abandoning the cart and increasing customer satisfaction. They also let businesses pay invoices in a matter of minutes, removing the requirement for credit and allowing more efficient cash management. Additionally, they aid in the growth of new business models. Despite the benefits, real time payment isn't yet widely accessible. RTP is only available in 72% of countries, but this number will grow rapidly as consumers demand more speedier and more convenient services. These technological advances will attract Gen Z and the millennials who are more comfortable with technology. RTP overcomes the limitations of ACH/Wire Transfers, which can take as long as one day to transfer funds (although same-day ACH has now become possible). 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