Report

Commercial Banking & Payments Fintech Spotlight: Q4 2025

Five vendors are highlighted in this quarter’s report.
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Banks face the daunting challenge of modernizing decades-old payment infrastructure while maintaining operational continuity, often requiring multiyear migration programs with high costs, extended timelines, and significant operational risk. These emerging fintech vendors are helping to drive modernization efforts across product lines in commercial banking.

The Commercial Banking & Payments Fintech Spotlight is a series of quarterly reports that look at select emerging fintech vendors active in the commercial banking space. The spotlight series provides insight into interesting vendors with strong unique selling points and innovative approaches as partners or competitors. This report profiles the following fintech firms: CRS Credit API, Otoma, ValidiFi, Vikar Technology, and ZSuite Technologies.

Clients of Datos Insights’ Commercial Banking & Payments service can download this report.

This report mentions ABS Capital, Amount, Casca, Community Bank, Dime, Early Warning, Encore Bank, Equifax, Encore Bank, Finastra, Firstrust Bank,Fundtech, JPMorgan Chase, Kearny Bank, Leader Bank, LoanPro, Mission OG, Northfield Bank, PDI Technologies, Peapack Private Bank & Trust, Sardine, TransUnion, and Velera.

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