Banks need to manage their intraday liquidity risk better to settle payments on time. New regulations require banks to have enough liquid assets to cover their intraday needs, even in stressful situations. This might make intraday liquidity more expensive for banks, which could lead them to change how they handle payments. If banks delay payments, it could disrupt the payment system. To prevent this, authorities can use tools like liquidity saving mechanisms and payment tariffs that change throughout the day.