9/10 9/10 of Americans used some form of digital payment in 2022. Source: McKinsey's 2022 Digital Payments Consumer Survey $1.5T 30B 30B The number of payments The ACH Network processed in 2022 Source: Nacha 17% 17% 17% of consumers used a BNPL platform to finance at least one purchase in 2021 Source: Consumer Financial Protection Bureau 50%+ 50%+ The increase in businesses sending payments over The Clearing House's RTP Network between December 2022 and July 2023 Source: The Clearing House " As these new rails have launched internationally, one key learning is that the rails alone won't drive adoption. It's the emergence and scaling of overlay services that drive adoption and volume. " -NICK DENNING, ICBA $1.5T The amount of money processed through Zelle between 2017 and 2022 Source: Zelle independentbanker.org // 53http://www.independentbanker.org