Speed is a key selling point for person-to-person payments, but many P2P users aren’t taking advantage of real-time payment capabilities offered by their providers, according research firm Aite Group LLC. Answers from 693 consumers who had used a digital P2P account to receive money in the 12 months ending in 2017’s fourth quarter show that 53% of respondents said they were able to use funds within 30 minutes or less of reception. That includes some 11% of respondents who said they had their funds in less than a minute and 18% claiming funds were available in one to five minutes. Still, many consumers reported funds availability took 24 hours or more.