Macquarie Bank is aiming to open up the new real time payment service to its customers by the end of this year and maybe earlier, the bank said yesterday."Each bank has its own timeline for rolling out the new services and we've chosen to focus on creating a market leading digital experience and building Australia's first open banking platform to give our customers control over their own data, because that's what they were telling us they wanted," a Macquarie spokesperson wrote in an email."The bank is committed to implementing the New Payments Platform later this year."Macquarie was one of the 13 "participants" that set up and funded the build of the NPP over recent years. It is one of a minority in this group, alongside ANZ, that were not part of the first wave of the NPP, when it was opened to the public earlier this week.Of the big banks, only National Australia Bank and Commonwealth Bank are involved thus far in the phased enrolment of customers in PayID, the first step towards enabling fast payments for customers with accounts at each bank's main brand.In a presentation on operational and technology priorities earlier this month, Macquarie listed "investment in a real-time core banking platform for loans and retail deposits" among a crowded list of its key capabilities.The bank said in the briefing that it had already "built Australia's first open banking platform."Kevin Dupe, chief executive of Regional Australia Bank, a mutual centred on the northern tablelands of NSW, said yesterday that "transactions aren't large, but getting consistent. People are registering in PayID."One of more than 40 mutual ADIs that made a mostly smooth start at this week's launch of the new payments service, Dupe said "we had to be there. That's our niche. Mutuals have shown themselves to be nimble."Dupe said he expected fast take up to build once governments, including agencies such as Centrelink, became routine users of fast payments."People are interested. It'll run fast."