But offering a convenient experience often means more than just a direct link to payment via a QR code. Convenience also means meeting speed and frictionless expectations. For consumers, definitions can vary—when 50% of consumers hear “real time” in reference to a financial transaction, they expect an answer immediately (while 24% expect an answer within seconds). Of course this translates into more than communication and messaging—it extends into reduced friction at checkout. A speedy checkout process increases engagement and improves overall payment completion.