Traditionally, retail banks controlled the transfer of payments between customers. However, with the arrival of the Internet and e-commerce, combined with regulatory initiatives to open the payments markets to nonbanks, the payment landscape is changing greatly. Further, technological advancements are allowing all participants to accelerate the clearing and settlement of payments, particularly with large payments where it is cost effective to do so.
This course describes the different payments systems and how fast payments are becoming available in various forms.
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