Payments practice

Modern payments. Proven execution.

123G helps U.S. banks modernize payments with Strategic Operators who built real-time systems from the inside, from early adoption in the rest of the world to the growth now underway in the U.S.

How ready is your bank for 2030? Talk to the payments team

The 123G and Intellect teams at a payments industry conference booth
123G and Intellect at Nacha’s payments conference, 2025.

The real-time opportunity

It’s not which rail. It’s which bank you want to be.

The payment is the door to the whole relationship: primary accounts, deposits and the day-to-day money movement that keep customers loyal. Businesses want instant payments from the bank they already use, and most have yet to start. The bank that delivers the right experience at the moment it matters wins the relationship, not just the transaction.

66%of U.S. businesses prefer their primary financial institution for instant payments
56%used Same Day ACH in the past year
16%used instant payments in the past year

Source: Federal Reserve Payments Insights Brief: Business Payments Study, survey of 2,000+ U.S. businesses fielded in 2024, published 2025.

Why 123G

Banks need more than vendors.

You need Strategic Operators who can bridge technology, regulation and execution. We work inside your team to deliver real-time payment capabilities that drive growth.

  • Strategy rooted in global payments experience
  • Integration across RTP, FedNow and legacy systems
  • Modernization with core systems intact
  • Hands-on support from assessment to implementation

Tools

See where your bank stands.

Payments readiness assessmentA diagnostic covering payments, AI and stablecoins. It shows where you stand and what to do next to modernize with confidence.Request your assessment
Payments operations benchmarkIndependent research on how banks actually run payments operations. Contribute, and get results comparing your team’s challenges with peer banks.Contribute insight

Client spotlight · Intellect

Every payment, a reason to choose you.

For banks that want to keep and win the customers who matter most. Every U.S. rail, ACH to FedNow, on one AI-first platform. The routine clears itself. Digital Experts with humans in the loop take what's left. You decide the rest. Live in months, core systems intact.

Intellect has built banking technology for 30 years and serves 500+ financial institutions worldwide. It is named a Leader in the 2026 Gartner Magic Quadrant for Banking Payment Hub Platforms.*

More on Intellect payments Intellect’s Gartner announcement

The team

Talk to a Strategic Operator.

Pia De Lima
Go-to-market and communications Pia De Lima Go-to-market and communications executive across payments, fintech and AI. Former SVP at ACI Worldwide and VP at Western Union. Board Director, OrderStream Australia. Pia@123g.co · LinkedIn
Pat Devlin
Payments go-to-market Pat Devlin Payments sales and partnerships executive with 20+ years in card issuing, real-time payments and payment hubs. Former SVP, Global Head of Sales at i2c and SVP, Head of Payments Sales, North America at Temenos. Earlier at Worldpay, Visa and PayPal. Pat@123g.co · LinkedIn

Strategic Operator in focus

Jagdeep Singh Sahota. The Payments Boardroom.

Payments and banking executive, NACD Directorship Certified and an ETA Certified Payments Professional. Jagdeep writes The Payments Boardroom, a biweekly LinkedIn newsletter on where payments meet the boardroom, for executives who need to stay ahead.

LatestYour board owns the AML riskRead on LinkedIn

Subscribe to the newsletter Jagdeep on LinkedIn

Bring us your hardest payments problem.

Talk to us

Let’s stay connected.Forward-looking insights, original research and real-world strategies to help you lead through complexity.Follow 123G on LinkedIn
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© 2026 123GLinking strategy to execution.

*Gartner, Magic Quadrant for Banking Payment Hub Platforms, 20 January 2026. GARTNER and MAGIC QUADRANT are trademarks of Gartner, Inc. and/or its affiliates. Gartner does not endorse any company, vendor, product or service depicted in its publications, and does not advise technology users to select only those vendors with the highest ratings or other designation. Gartner publications consist of the opinions of Gartner’s business and technology insights organization and should not be construed as statements of fact. Gartner disclaims all warranties, expressed or implied, with respect to this publication, including any warranties of merchantability or fitness for a particular purpose.