Monetizing Instant Payments Beyond Transaction Fees

On Demand Course

Instructor: Angela Murphy

Duration: 1 HR

What You'll Learn

Instant payments are no longer a novelty. Many institutions are connected to RTP or FedNow, yet few have built a deliberate revenue strategy around them. Simply charging a transaction fee rarely produces meaningful return and can even suppress adoption.

This webinar is designed for banking leaders who want to move beyond we’re live and toward measurable impact. Attendees will gain a practical framework for monetizing instant payments through use-case expansion, value-added services, commercial relationship growth, deposit strategy, and operational efficiency. The course will address how to align pricing with perceived value, how to think about instant payments as a liquidity and treasury tool, and how to position these capabilities competitively against fintech alternatives.

Participants will leave with a clear monetization blueprint, leadership-level questions to guide internal conversations, and a roadmap to turn instant payments from infrastructure into strategic advantage.

Topics covered in this course

Reframing the Monetization Question
The Monetization Reality Check
Monetization Strategy #1: Deepening Customer Relationships
Monetization Strategy #2: Value-Added Services & Data
Monetization Strategy #3: Balance Sheet & Deposit Strategy
Monetization Strategy #4: Internal Efficiency & Cost Offset
Sample Pricing Models
Sample Monetization Roadmap
Key Takeaways & Sample Action Steps

*This program does NOT qualify, nor meet the National Standard for NASBA accreditation.

About the Author:

Angela Murphy

- Angela Murphy, Ph.D.—widely known as Payments Elsa—is a leading voice at the intersection of faster payments, artificial intelligence, and fintech innovation. With a Ph.D. and years of hands-on experience in B2B payments, solutions integration, and financial technology, Angela bridges the gap between emerging technologies and practical strategy, helping financial institutions transform how money moves. - A trusted advisor and strategist, Angela works with banks, credit unions, and fintechs to navigate the complexities of real-time payments, behavioral AI, and digital infrastructure modernization. Her work is grounded in deep market insight and a relentless drive to make complex financial concepts clear, actionable, and inclusive—for industry leaders and everyday users alike. - Angela is a graduate of the PayTech Women Executive Academy and the Money20/20 RiseUp program, and she was named the 2024 Emerging Trendsetter by PayTech Women. She is also a Founding Fellow of Coruzant Technologies and a passionate advocate for diversity, equity, and representation in financial services and technology. - A dynamic speaker and educator, Angela frequently delivers webinars and guest lectures for institutions such as UC Berkeley, the University of Missouri’s Bloch School of Business, and the Regnier Institute for Entrepreneurship and Innovation. Her thought leadership has been featured across global podcasts and media, including The Payments Podium, Cybersecurity Matters, PCN, Off the Rails, Wrestling Payments, and Versatile Ph.D.

On-Demand Course