To thrive in a real-time payment’s world, banks must embed AI and cyber resilience into dispute workflows, fraud controls and compliance operations. To unlock the full potential of real-time payments (RTP), financial institutions worldwide are adopting intelligent, AI-led solutions to manage fraud, reduce errors, and enhance operational efficiency. In the US, AI is streamlining dispute resolution, improving accuracy and reducing turnaround times. The UK’s Faster Payments Service (FPS) is setting global standards for secure, real-time operations with integrated compliance controls. Meanwhile, banks in India, Brazil, and across the EU are exploring AI for real-time risk monitoring and dispute handling. The emergence of Agentic AI adds a predictive, self-learning layer that can autonomously detect, decide, and act transforming RTP ecosystems globally. Agentic AI brings autonomous decision-making, enabling systems to detect, act, and learn driving smarter fraud prevention and faster, context-aware dispute resolutions. To unlock RTP’s full potential, banks must center their dispute strategy around AI backed by regulatory alignment, robust assurance mechanisms, and proactive consumer education to ensure secure, compliant, and future-ready operations dispute management in the real-time era.