The organization says 'request for pay' has gotten early traction with billing and account-to account transfers. Now it's targeting consumer-to-government and digital wallet disbursements.

The technology is adept at working with partial account numbers and other shreds of data to alert banks of ongoing and potential crime, the network contends.

The card network is working with Salesforce to use large language models to be more proactive in how it resolves these interactions.

The bank is connecting billers and brokerage accounts as it builds the case for instant funding. It also points to countries such as Brazil and India as models to follow.