RFP Roadmap to Revenue: New Products for Faster Payments Era
About This Course
Most institutions connected to RTP or FedNow built their business case around send and receive. Request for Payment was often treated as a future consideration. That future is now. RFP is live on both rails, early adopters are already building differentiated commercial offerings around it, and the window for first-mover advantage at the community and regional level is narrowing. This course gives banking leaders a practical framework for designing and launching RFP-based products. Whether your institution is exploring use cases or ready to build, this course will help you connect faster payments infrastructure to concrete outcomes: reduced days sales outstanding for commercial clients, check and ACH replacement, improved cash flow visibility, and treasury services that compete directly with what larger institutions and fintechs are already offering.
Topics covered in this course
What RFP Actually Is (and Why It Is Not Just Bill Pay)
- How Request for Payment differs from push payments and traditional e-bills
- The data and control advantages RFP carries over ACH and check
- Why RFP is a product layer, not just a payment type
The Market Landscape: Where RFP Is Gaining Traction
- Current RFP adoption trends across RTP and FedNow
- Who is already offering RFP-based products and what they are selling
- The competitive risk for institutions that treat RFP as optional
Product Opportunity #1: Commercial Receivables and Invoice Automation
- Replacing check and paper invoice workflows with structured payment requests
- Reducing days sales outstanding for business banking clients
- Positioning RFP as a working capital tool for middle market and small business
Product Opportunity #2: Collections and Lending Payment Modernization
- Using RFP to streamline loan payments, escrow, and subscription billing
- Reducing payment friction while improving on-time rates
- Creating audit trails and remittance data that reduce servicing costs
Product Opportunity #3: Treasury and Cash Management Integration
- Embedding RFP into cash management and treasury reporting packages
- Real-time receivables visibility as a commercial banking differentiator
- Tiered service models that compete with treasury overlays and fintech platforms
Building the RFP Product Roadmap
- How to prioritize use cases by client segment and revenue potential
- Build vs. partner vs. enable: operating model considerations
- Common missteps in RFP product design and go-to-market
Pricing and Packaging RFP-Based Services
- When to bundle, when to charge separately, and when to lead with RFP as a retention tool
- Segmenting consumer vs. commercial pricing strategy
- Aligning price with perceived value for CFOs and business owners
Your RFP Revenue Roadmap
- Questions leadership teams should be asking now
- KPIs that go beyond transaction volume
- Sample priorities for the next 6 to 12 months
- How to build internal momentum and stakeholder alignment
Key Takeaways and Next Steps
- Moving from connectivity to commercial differentiation
- Where to pilot first
- How to avoid the most common go-to-market mistakes
Who Should Attend
- C-suite executives
- Senior leaders
- Product and strategy decision-makers at banks and credit unions who are building out their faster payments capabilities
*This course does NOT qualify, nor meet the National Standard for NASBA accreditation.
Your Instructor
- 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.
This course is covered under team memberships.
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