The financial services landscape is undergoing a profound transformation as commercial clients increasingly demand sophisticated payment capabilities that transcend traditional banking offerings. By implementing sophisticated decisioning frameworks that dynamically select optimal payment paths based on cost, speed, compliance requirements, and client preferences, banks can simultaneously enhance revenue streams, reduce operational expenses, and deliver superior commercial client experiences.
This report, commissioned by Oracle, examines how intelligent routing technology can serve as both a competitive differentiator and strategic imperative for banks seeking to meet evolving client demands while optimizing their operational efficiency. It draws upon data from three Datos Insights research efforts: a Q3 2024 online survey of 1,037 employees of midsize and large organizations in North America, Europe, and the Asia-Pacific region, a Q1 2025 survey of 1,004 small and midsize businesses based in the U.S., and a Q3 2024 online survey of 405 U.S.-based businesses.
Clients of Datos Insights’ Commercial Banking & Payments service can download this report.
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