This episode delves into the concept of Request-to-Pay (RTP), exploring its historical roots, current challenges, and future prospects. The discussion highlights the potential of RTP to streamline payment processes but also addresses the obstacles it faces in gaining traction among banks and consumers. Key insights include the importance of harmonizing RTP with existing payment systems, the role of banks versus non-bank players, and the need for a clear economic model to support its adoption. The focus is on the EU version, SEPA Request-to-Pay (SRTP), which has been implemented as an EPC scheme.