Business-to-Consumer Disbursements in the U.S.: Market Overview

Aite Group estimates that the total available funds disbursement market in the U.S. in 2018 exceeds 3.5 billion payments for a dollar value of US$10.7 trillion.

Boston, February 13, 2019 — In the U.S. economy, B2C disbursements have traditionally been made via mailed checks and more recently have been made using ACH. But checks are a high-cost payment instrument, and ACH is not always fast enough for today’s on-demand consumer. As the U.S. moves to a real-time payment infrastructure, 21st century businesses will need to migrate away from ACH and check to real-time digital payments to meet consumer demand across use cases. Aite Group’s latest report, Business-to-Consumer Disbursements in the U.S.: Market Overview, explores the emergence of real-time payment methods that are allowing businesses to drive innovation in their payment processes to improve the customer experience.

“Despite the availability of superior digital payment methods, most companies are still disbursing funds using traditional payment methods such as ACH and check,” states Talie Baker, senior analyst at Aite Group. “Payers need to rethink their payment strategies and incorporate faster payments to meet the on-demand mindset of U.S. consumers,” she adds.

This Impact Report examines the state and size of the U.S. B2C disbursements market and the payment methods used to make disbursements. It is based on a quantitative consumer study commissioned by Ingo Money and conducted by Aite Group in Q2 2018. The survey includes U.S. consumers aged 18 years or older who received a funds disbursement in the 12-month period from June 2017 to May 2018. 

To request a press copy of this report or to speak with Talie Baker about this topic, please contact us at [email protected].

About Aite Group:
Aite Group is a global research and advisory firm delivering comprehensive, actionable advice on business, technology, and regulatory issues and their impact on the financial services industry. With expertise in banking, payments, insurance, wealth management, and the capital markets, we guide financial institutions, technology providers, and consulting firms worldwide. We partner with our clients, revealing their blind spots and delivering insights to make their businesses smarter and stronger. Visit us on the web and connect with us on Twitter and LinkedIn.

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