Across all channels, client segments and geographies, payments are getting faster – even if not always quite real time, nor quickly enough to keep up with the momentum of demand. Pace is now paramount both in domestic payment infrastructures, serving largely retail and small business customers, and international networks, meeting the more complex needs of institutional and corporate clients. The speed of progress varies, with some markets and institutions still stuck in the slow lane. But the direction of travel is clear, notwithstanding the differing priorities of retail and wholesale customers. In this report, Chris Hall and Mike O’Hara of Inbound Realization look at the challenges and opportunities associated with the growth of instant B2B payments, with Mark Bradbury of Apply Financial, Mike Walters of Form3, Ebury’s Toby Young, Brad van Leeuwen of Railsbank, and industry commentator and author Chris Skinner.