Large banks aren&#x27;t opposing faster payments anymore. It&#x27;s my understanding that the NACHA membership voted to approve Same Day ACH and it will be phased in over the course of 2016-2018. In addition, the largest FIs are creating an actual real-time ACH system through The Clearing House, which has licensed technology from VocaLink (the developer&#x2F;operator of the UK&#x27;s Faster Payments system) and FIS to do so.