Corporate payment portfolios face pressure from two directions. Legacy rails, including checks, batch payments, and ACH, still carry most transaction value. Digital wallets and real-time payments now drive the strongest growth expectations. Financial institutions that treat this as a sequential problem are misallocating investment.
Datos Insights introduces the dual-stack imperative: FIs cannot rationalize legacy infrastructure while building digital capability. They must do both. Checks hold 9% of monthly transaction value in the U.S.; batch payments command 22% in Canada. But 81% of FIs with digital wallet programs expect growth over the next 12 months. No single investment strategy covers that spread across 11 markets.
This report gives commercial banking executives the data to invest across both stacks. It pinpoints which corporate clients plan to cut check usage and which FIs can capture that migration first. It maps the Asia-Pacific market by market, where no Western framework applies. Read it to know where to invest and which conversations to start now.
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