Real-Time Payments, also known as Instant Payments, are a major financial innovation that enables funds to be transferred and made available to recipients within seconds, 24/7, including weekends and holidays. Widely adopted across more than 50 countries, these payment systems offer significant benefits for consumers, businesses, and government agencies by providing faster, more convenient transaction processing. However, their speed and accessibility also introduce new security challenges, as fraudulent transactions can be completed before traditional detection methods can intervene. Industries that depend on critical customer interactions are particularly exposed to these risks. As the use of instant payments continues to grow, organizations must strengthen fraud prevention, real-time mo

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