Modern Payments. Proven Execution. Real Results.
Modernize with Confidence. Lead with Clarity.
123G helps U.S. banks modernize with confidence. We scale, build, and deliver next-generation payment solutions that drive growth today and readiness for tomorrow. Now we’re bringing that expertise home.
The Real-Time Opportunity is Now
Customer expectations have changed, and mid-sized banks can’t afford to wait. Instant payments are becoming a competitive baseline, not a future upgrade. By 2030, U.S. instant payments volume is projected to hit $1.79 billion, growing at nearly 40% annually. Yet, two-thirds of banks still haven’t connected to real-time networks.
Those who move now will gain the loyalty and revenue that follow. Those who wait will face the “outbanked” risk, losing customers to faster, smarter competitors.
86%
of businesses demand instant payments
33%
of businesses will switch banks
$2B
U.S. instant payments market by 2030
Your U.S. Partner in Real-Time Banking
123G is a team of operators who’ve built real-time payment systems from the inside. Our team has seen the shift firsthand from Europe’s early adoption to the rapid growth now underway in the U.S.
We help banks make instant payments work for their goals. No disruption. No detours. Just execution and measurable results.
Strategy rooted in global payments experience
Seamless integration across RTP, FedNow, and legacy systems
Proven playbooks for modernization without downtime
Hands-on support from assessment to implementation
Banks Need More Than Vendors
You need operators who can bridge technology, regulation, and execution. That’s where 123G steps in. We partner closely with your internal teams to deliver real-time payment capabilities that actually drive growth.
The Team Leading the Modern Payments Revolution
123G’s U.S. leadership team combines decades of payments and banking experience across continents. They’ve seen what works, what fails, and what’s next. Now they’re helping banks in the U.S. lead the transformation with clarity and confidence.
Melissa Jefferson-Burns
With deep experience in banking operations and technology integration, Melissa knows how to align innovation with regulatory, compliance, and customer priorities. She’s led cross-border transformation programs that improved speed, scalability, and ROI.
Pat Devlin
A recognized leader in digital banking and payments transformation, Pat has helped financial institutions on both sides of the Atlantic modernize their infrastructures and unlock growth. He bridges business goals with technical execution to deliver results.
Randy Rodriguez
Randy brings a sharp perspective from his work in global payments infrastructure and commercial banking innovation. He focuses on helping banks accelerate adoption of new payment rails and deliver faster, more reliable customer experiences.
Resources that Drive Action
We’re not here to tell you what’s coming. We’re here to help you act on it. Explore new insights, reports, and tools designed to help banks modernize faster and smarter.
Maturity Readiness Report
Payments, AI and Stable Coins
We’ve built and scaled real-time systems worldwide. Now we’re helping U.S. banks measure their readiness to compete.
This diagnostic shows where you stand and what to do next to modernize with confidence.
Real Banking. Real Operations. Real Data.
See where your bank stands
Take part in our independent research capturing how banks actually manage payments operations. Not assumptions.
Get benchmark results comparing your team’s challenges with peer banks.
Client Spotlight Solution
Technology that Anticipates, Not Reacts
Powered by Intellect, Delivered by 123G
With 30 years serving 300+ banks globally—including Citi, JPMC, Northern Trust, and Wells Fargo—we deliver proven payment modernization across every major rail locally (Wire, RTP®, FedNow, ACH, SWIFT) and globally. Purple Fabric AI, purpose-built for US banking, reduces manual work through phased implementation that minimizes risk. The result: delivering 30% lower TCO and infrastructure built for growth.
We make sure the technology fits your strategy and your growth plan.
Let’s Modernize Your
Payments Together
We’ll be at AFP and Money20/20, but the conversation starts here.
We welcome you to visit us at Booth #1140 during the AFP 2025 Conference ready to talk strategy, execution, and what’s next for instant payments.
Can’t make it?
Email or connect with one of our operators to explore how your bank can take the next step.
