If you’re a payments nerd, you know that unfortunately, today most payment data is more big data than smart data. What makes smart data? For many financial institutions, real time payments (RTP) are the key to opening the door to vast amounts of smart data that they can use to create a whole new suite of services. Some see offering RTP as a game changer for both financial institutions and their customers. By allowing RTP, financial institutions open up their architecture, according to Keith Riddle, President & CEO of Sherpa Technologies, a CUSO that helps credit unions transform their digital infrastructure and offerings. I recently interviewed Riddle for the Payments Nerds podcast.