A significant setback to the adoption of current person-to-person payments technologies is that the transactions often can’t happen in real-time. But by repurposing existing industry infrastructure, companies are devising new methods that make P2P as close to instantaneous as possible.

Improvements expected in 2013 will rely on electronic funds transfer and debit networks to speed up processing times. And according to the companies developing these products, these new technologies will usher in a wave of greater P2P payments adoption.

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