Report

Transforming Banking Through Data and Analytics

Community banks lose to fintechs on speed and scale – but data capability is the great equalizer.

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Stewart Watterson

September 11, 2026

Fintech firms and digital banks are eroding product differentiation, making data mastery a strategic imperative. Datos Insights’ three-stage Data Capability Maturity Model pinpoints where banks’ gaps lie across five dimensions. This report details three real bank use cases with measurable returns, plus the roadmap to build capability.

About the Author

Stewart Watterson

Stewart Watterson is a Datos Fellow in the Retail Banking & Payments practice at Datos Insights. He brings a broad range of experience from 30 years of consumer banking with Chase, NationalCity, and PNC, serving as SVP, Mobile Wallet & Emerging Payments. His experience includes consumer lending product management across all asset classes, small business unsecured lending, digital banking, credit...

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About the Author

Stewart Watterson

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