Paper checks are dying. But not as fast as you might think. While many individuals are demanding instant payment systems, most companies still operate by paying bills by check every month.  The overall rates of check usage dropped significantly from 2000 through 2015, but in the last few years the percentage of check usage has plateaued.  There has not been enough disruptive innovation in this particular space to force companies into the next evolution of digital payments. Stuart Bain is the Senior Vice President at Alacriti, Inc. His team at Alacriti is focused on bringing superior payments technology and flexible payment options to companies all over the country. Stuart joined us for this episode of Payments Innovation to discuss billpay industry trends, the evolution of checks as a form of payment, and what younger generations are demanding from new payment methods.