“While only 20% of Canadian banks are cited as seeing RTP as a top 3 IT spending priority, this may be a little misleading. The introduction of the ISO20022 message rich protocol associated with RTP is an industry-wide strategic area for IT spending. The ability to mine data from these information rich messages is in line with the banks’ data strategy which is to enhance the banking experience by providing personalised products and services, all based on empirical data.”