The report from the council and Charlotte, North Carolina-based Finzly comes as U.S. real-time payment systems attempt to attract more bank and credit union participation. Since the Federal Reserve launched its new FedNow instant payments system last year, some of the nation’s largest banks have been slow to join it.

Still, FedNow has added more financial institutions than the private, bank-owned RTP network, which has been operating since 2017. While FedNow has about 900 banks and credit unions on its network, the Clearing House’s RTP network, which launched in 2017, has lured some 650.

The Faster Payments Council and Finzly survey results suggest financial firms see business client demand as the key driver of instant payments. Per the survey results, 77.6% of respondents said corporations will potentially be the “biggest source of instant payments revenue.”

Nearly two-thirds (65.3%) of financial institutions surveyed said being able to send and receive instant payments simultaneously would boost consumer adoption, the report said.

“We’ve reached a crossroads with faster payments becoming table stakes for businesses and consumers alike,” Faster Payments Council Executive Director Reed Luhtanen said in the statement. “Despite significant growth in adoption, many [financial instituions] face challenges in fully leveraging instant payments.”

The goal of the report was to aid banks and credit unions in adopting and implementing faster payments schemes, while moving them past limitations.