速度的魅力在改變各種付款方式的使用模式中起作用

速度的魅力在改變使用模式的各種付款方式中都起著作用，這些付款方式熟悉和新方法。自動交換所（ACH）交易和人與人（P2P）

The allure of speed plays a role in changing use patterns for all kinds of payment methods, familiar and new. Automated clearing house (ACH) transactions and person-to-person (P2P) payments via depository institution websites are two types of payments for which recent growth rates show the importance of speed.

速度的魅力在改變使用模式的各種付款方式中都起著作用，這些付款方式熟悉和新方法。自動化清算公司（ACH）交易和人與人之間的交易（P2P）通過存放機構網站付款是兩種類型的付款類型，最近增長率顯示了速度的重要性。

From 2018 to 2021, same-day ACH debit transfers grew 39 percent per year by value, according to new data from the Federal Reserve Payment Study (FRPS). Same-day ACH credit transfers grew by double digits—21 percent, in comparison to single-digit growth for non-same-day ACH transactions by value.

根據美聯儲支付研究（FRPS）的新數據，從2018年到2021年，當日ACH借記每年轉移39％。與單位數量的ACH交易相比，當日ACH信用轉讓增長了兩位數，即21％，相比之下。

This rapid growth occurred on a small base, so same-day transfers have lots of room to grow. Same-day transfers are a small share of all ACH transfers—4 percent of credits and debits by value (see chart below). As these charts show, it's important to look at both growth rates and levels to get the whole story on growth in ways to pay.

這種快速增長發生在一個小基地上，因此當天的轉移有很大的生長空間。當天轉移是所有ACH轉移中的一小部分 - 佔信用額的4％按價值計算（請參見下圖）。正如這些圖表所示，重要的是要研究增長率和水平，以便以付款方式獲得有關增長的全部故事。

P2P payments via depository institution website or app are changing expectations about the timing of funds availability. These grew 51 percent per year by number from 2018 to 2021. In 2021, three-quarters of these P2P payments by number were made immediately available, or in 30 or fewer minutes, to recipients.

通過存款機構或應用程序付款的P2P付款正在改變對資金可用性時間的期望。從2018年到2021年，每年的數量增長了51％。2021年，這些P2P付款中有四分之三立即向接收者開始，或者在30分鐘或更少的時間內獲得。

The March data release provides comprehensive estimates of ACH, check, wire, and alternative payment methods based on data submitted by depository financial institutions. In addition to detail on speed of payments, the release provides breakdowns by business and consumer payers and domestic and cross border payments. You can review the data here

3月份的數據發布根據存款金融機構提交的數據提供了ACH，支票，電線和替代付款方式的全面估計。除了付款速度的詳細信息外，該版本還提供企業和消費者付款人以及國內和跨境付款的細分。您可以在這裡查看數據