The race for European banks to offer Instant Payments (IP) is more urgent than ever before. Whether banks have not yet started their journey, or have already taken the first step, it benefits all to act fast. Beyond mandatory regulations, adopting IP serves as the basis for transforming payment services across Europe. Monetizing integrated value-added services, such as Request-to-Pay (RtP), enables banks to differentiate their consumer, merchant and corporate services against rival FinTechs and other emerging competitors. Are you ready for real time 2.0?