Instant Payments vs. Cards: Compete, Complement, or Converge?

Instant payments are gaining momentum, offering near-instant settlement, lower fees, and new use cases. But how do they stack up against the ubiquity and resilience of card networks? This panel will dive into the practical and strategic implications of real-time payment schemes entering spaces traditionally dominated by cards. We'll explore how networks like FedNow , SEPA Instant, Pix, and UPI are influencing customer expectations around speed, convenience, and availability, and how that compares to the embedded consumer trust and widespread acceptance of cards.