Top 40 U.S. Bank Saves Millions By Reducing Paper Check Use With RTP

Case Study

December 7, 2020



A top-40 U.S. bank wanted to build an actionable architectural plan to set up multiple payment rails to support the addition of Real-Time Payments (RTP). In teaming up with Levvel, they would define business and technical requirements, build the payments architecture, and select a vendor to implement RTP Send and Receive functions.



Our 2021 Real-Time Payments Market Insight Report is here

Levvel Research's 2021 Real-Time Payments Report (RTP) provides a guide to the many use cases of RTP for businesses and outlines the ROI of adoption for financial management processes, product delivery, and customer satisfaction.


As they wanted to develop a single strategic plan, siloed legacy systems were stifling innovation. The future state payments architecture would need to be designed with key features in mind, including proactive monitoring, protocol and scheme translations, and include ACH, Wire, RTP, and Zelle.



Our mission was to use our payments and architecture expertise to identify the overall business requirements. This would help design an enterprise-level, reusable, and scalable architecture. The bank was on a time crunch, so we also wanted to help them find the best vendor to meet their current and future needs within their target timeline.

The phased approach given to the global bank included:

  • Phase 1—Compare and Contrast: Offering multiple solution alternatives, ranging from a custom build utilizing open source technologies to multiple buy options
  • Phase 2—Business Requirements Documents (BRD): Creating documentation covering an overall roadmap (tech, trends, and direction)
  • Phase 3—Proof of Concept: Developing a POC demonstrating a possible custom build option (microservices using an API gateway)



Because of this project, the global bank became an early adopter of RTP and went live as an RTP receiving institution. In fact, they were able to find funding for the RTP Send phase by identifying internal use cases where they would save millions by moving away from official checks.



Download the PDF

You can access the PDF here.

Authored By



Meet our Experts



You’re going to use technology to change the world. We’re going to help you create it. Whether you are reinventing your company, creating an industry-changing product, or making existing products even better with new technologies—we exist to make your endeavor a success story. Our team is made up of leaders, thinkers, designers, and builders whose collective experience spans many industries and companies of all sizes. We’re avid fans of technology but even bigger fans of solving business problems. An understanding of the difference between an idea and a solution is just one of the things that set us apart.

Let's chat.

You're doing big things, and big things come with big challenges. We're here to help.

Read the Case Study

By clicking the button below you agree to our Terms of Service and Privacy Policy.

levvel mark white

Let's improve the world together.

© Levvel & Endava 2023