@article{def9314ebb3b4ae2b5c1d233c39d8b47,
title = "Blockchain Platform for Real-Time Payments: A Less Costly and More Secure Alternative to ACH",
author = "Nasser Arshadi",
note = "This paper examines the historical development of banking and automated clearing house legacy systems and offers blockchain platform for real-time payments as an alternative. Institutions with legacy systems resist disruptive change unless there are demands by businesses and customers and an opportunity for new products at reduced costs and additional revenues.",
year = "2019",
month = oct,
day = "31",
doi = "10.21300/21.1.2019.3",
language = "American English",
volume = "21",
journal = "Technology and innovation",
}