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Call P2P – person-to-person payments – the problem child of 21st century banking. Just about every expert thinks it should be the cool tool we all embrace to split lunch tabs, pay babysitters, send birthday gifts to nieces and yet almost none of us actually use any of the many available p2p tools.

But just maybe things are heating up as suddenly both Brookfield, Wis.-based Fiserv and archrival Jacksonville, Fla.-based FIS have made bold, optimistic statements about real-time P2P coming at you and your credit union.

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