# Forrester studies the economic impact of real-time¹ funds disbursement

See the results of a comprehensive study that examines the cost savings and business benefits enabled by real-time¹ funds disbursements.

## Visa® recently commissioned Forrester Consulting to conduct “The Total Economic ImpactTM of Real-Time¹ Funds Disbursements vs. Traditional Methods,” a study² that examines the effects of real-time¹ funds disbursements on businesses

## Faster payments are reshaping the financial landscape

### The increase in person-to-person (P2P) payments has created an expectation for faster payments

According to the Forrester Consulting study survey, 77% of respondents believe that faster payments are an important element of a disbursement strategy.

[Read the full study](https://globalclient.visa.com/economic_impact_of_faster_payments)

Use cases image description

Most common use cases for faster payments³

- Payments to end customers/consumers — 70%
- Payments to business partners — 65%
- Earned wage access/payroll — 55%

### Faster payments can be used for customer, business and employee disbursements

66% of surveyed businesses believe that a real-time¹ funds disbursements program will give them an advantage over their competition. And a vast majority believe they will fall behind their competition if they don't implement a faster payment strategy for payments to end customers/consumers and business partners, or earned wage access to payroll.

[Read the full study](https://globalclient.visa.com/economic_impact_of_faster_payments)

Financial benefits image description

Companies see financial benefits by implementing faster payment solutions, including:

- Monetized fee revenue⁴
- Cost savings from reduction in check volume
- Avoided check reissuance costs
- Productivity lift for payment related resources

### Faster payments can help improve operational efficiencies

According to the study’s financial analysis, both composite organizations would reduce operational costs by adopting real-time¹ funds disbursements. In addition, the composite organization that charges a 1% service fee would generate additional revenue, resulting in a combined benefit of up to $5 million over three years.

[Read the full study](https://globalclient.visa.com/economic_impact_of_faster_payments)

### A real-time¹ funds disbursement program could pay for itself

Regardless of whether or not an organization charged a service fee, they could quickly see a return on their investment. The composite organization that absorbs the transaction fee could see a 256% ROI over three years, while the organization that charges a 1% service fee could see a 389% ROI.

[Read the full study](https://globalclient.visa.com/economic_impact_of_faster_payments)

[Learn more about Visa Direct](https://usa.visa.com/products/visa-direct.html)