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From Fast to Sticky: Why Instant Payouts Win Repeat Customers

Research

Instant Payouts Turn One-Time Users Into Lifelong Loyalists

Nearly six in 10 recipients who try instant once make it their preferred way to receive fund.

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How Real-Time Earnings Are Rewriting Work

Video

From Payroll to Pay Now: How Real-Time Earnings Are Rewriting Work

The nature of work, and of getting paid, is changing. The familiar two-week pay cycle is giving way to a real-time labor economy where people get paid when they earn, sometimes several times a day.

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Wage to Wallet Index

Research

Wage to Wallet™ Index: Measuring the Labor Economy’s Impact on U.S. Financial and Economic Health

Short pay delays or missed shifts can dampen household confidence and reduce overall demand.

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Money Mobility Ecosystem: Meeting Recipient Expectations in the Instant Economy

Research

Instant Pay Turns Every Payout Into a Loyalty Opportunity

Sixty-five percent of tip earners, 54% of gig workers and 55% of property owners need same-day access to their funds.

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Tips on Tap: Instant Payments in the Restaurant Industry

Money Mobility Tracker

Restaurants Serve Up Instant Payments to Keep Staff and Cash Flow Steady

September/October 2025

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The Quarter Without Headlines: Building Tomorrow's Payout Revolution

eBook

The Quarter Without Headlines: Building Tomorrow’s Payout Revolution

A new payments paradigm is already here: payouts have become the new paycheck, creating unprecedented opportunities for banks to build sticky account relationships.

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The Case for Instant Payout Adoption and Stickiness

Research

How Instant Payouts Become Loyalty’s Secret Weapon

41% of total disbursement recipients that cite an instant payment rail as their most-used method for receiving payouts.

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Instant Loyalty: The Growing Necessity of Earned Wage Access Amid Uncertainty

Money Mobility Tracker

From Perk to Necessity: On-Demand Pay Brings Predictability to Paychecks

September 2025

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From One-Way Payouts to Two-Way Loyalty: Turning Disbursements Into Long-Term Customer Relationships

Research

The Money Mobility Strategy That’s Changing How Banks Think

Every year, $8.2 billion quietly slips away from financial institutions, lost in the flow of customer disbursements routed to third-party banks.

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Race Against Time: How Urgency Shapes the Demand for Instant Lending Payouts

Money Mobility Tracker

Lenders Face a New Reality: Instant Payouts or Lose Customers

August 2025

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Video

Ingo CEO Says Payouts Are the New Instant Paycheck

As businesses rush to offer instant payment capabilities, there’s the danger of simply checking the box rather than embedding these capabilities into a broader, more strategic money mobility framework.

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Instant Payouts: The New Paycheck for a Real-Time Economy

Research

Instant Payouts Become the New Paycheck in a Real-Time Economy

Consumers who rely on disbursements as their primary income are 58% more likely to opt for instant payments than those who receive funds only occasionally.

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