To answer this question, it may help to begin with the more basic question of how monetary and fiscal policy differ. In short, monetary policy and fiscal policy involve quite different sets of actors, decisions, and tools. Fiscal policy involves decisions about how much the government should spend, how much it should tax, and how much it should borrow.
Banks from the Baltic countries were among the first to embrace instant payments, with a number of them joining the scheme from day one. However, we are now at a critical stage for implementing instant payments. The number of banks offering instant payment services to their clients is steadily increasing, as is the use of such services by European people and businesses.