Interest in real-time payments is growing as consumers and businesses seek faster, more efficient, and more cost-effective methods to transact and move money.  While real-time payments offer retailers faster processing and lower costs, they can also unlock new value by enhancing the customer experience, improving loyalty and offering more insight into consumer needs and shopping behaviors.  In this article in MultiChannel Merchant, BHMI’s CEO, Jack Baldwin, explains how retailers and their payment service providers can capitalize on these opportunities by modernizing back-office systems to operate in a real-time payment environment.