Although the number of disbursements that consumers and SMBs receive has risen over the last year, barely 10% of them are sent via rails that allow those receivers to access and use those funds instantly. PYMNTS surveyed 5,000 consumers and 500 microbusinesses to examine the impact of instant payouts to their business and household cash flow, and their loyalty (or lack thereof) to the businesses sending them. Here’s what we learned. …see more