Banks in the US have been slow in adopting real-time payments, and have often considered them as either a p2p payment type or a threat to Wire revenue. However, by managing real-time payments as a product rather than as "faster ACH", and thinking about use cases, banks have an opportunity to create new and interesting propositions for their clients, and importantly, generate revenue. The report looks at five lessons from other markets around the world which US banks can use to accelerate their use of real-time payments, and seize the opportunity ahead of them.