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The Innovation Center highlights some of the new ideas and cutting-edge technologies that The Clearing House, member banks, industry partners and technology companies are building to bring new solutions to the market for real-time payments, bill payments, consumer data privacy and more. On the following pages, you will find detailed information that covers every step of the innovation process: from defining the problem and ideation all the way through pilot and launch.

Driving Innovation on RTP: The Reinvention of Bill Pay (October 2019)


Innovation Journey At-a-Glance

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Frame the problem and identify the core business issues

Ideation Icon


Plan and conduct research, immerse the team in research, and identify a relevant set of insights using the design thinking methodology of empathizing with the customers and creating personas. Bring together and examine insights and generate their related implications

Design Icon


Generate concepts, define concept elements, and articulate customer and consumer value propositions

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Conduct rapid prototyping exercises to build low fidelity prototypes and deepen the concepts, detail customer experiences and use cases for the personas identified

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Plan and run pilots for select customer cohorts to gather feedback and iterate on the final product

Launch Icon


Plan launch activities, develop marketing collateral and bring the product to market for commercial use