Innovations in real time payments take place within the bank and also outside the bank, particularly in the hands of the IT companies that provide payment solutions. Prasad Routray, Head – Corporate, Business & Alliances at Airtel Payments Bank, Bertram D’Souza, Exec VP – Digital Banking at Kotak Mahindra Bank and Somya Patnaik, Solution Leader – Real-Time Payments at ACI Worldwide, share diverse views and perspectives on this crucial aspect. This clip is excerpted from a full panel discussion titled Realtime Payments organized by Banking Frontiers.