美聯儲施密德：聯儲 FedNow 支付系統的廣泛使用要靠商家推動，而非銀行
Esther George, President of the Federal Reserve Bank of Kansas City, stated that the widespread use of the FedNow payment system relies more on retailers' promotion rather than banks. She pointed out that retailers like Walmart may encourage consumers to pay directly from their bank accounts to reduce credit card fees. Currently, about 1,000 financial institutions have joined FedNow, but George believes that the participation of retailers will accelerate the system's adoption
Reuters, October 21 - Jeffrey Schmid, President of the Federal Reserve Bank of Kansas City, stated on Monday that retailers are more likely than banks themselves to drive wider adoption of FedNow. FedNow is the Federal Reserve's new instant payment infrastructure.
Schmid said, "Ultimately, it may take the push from merchants and users to make the market more efficiently use this payment system instead of opting for credit cards." He pointed out that there are reports that Walmart (WMT.N) may seek to allow online shoppers to pay directly from their bank accounts to reduce the fees Walmart incurs when customers pay with credit cards. He mentioned that out of the approximately 9,000 eligible U.S. financial institutions, around 1,000 have already signed up to join, but as a "future payment system," if retailers like Walmart accelerate the maturity of FedNow, it will gain wider usage