Report

Payments Modernization at FIs: Your Competition May Already Enjoy the ROI

Payments modernization has evolved from a strategic advantage to an imperative.
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Historically, uncertain return-on-investment projections have made it difficult to articulate the business case for modernization initiatives. However, the market has now matured to a point where tangible results are emerging across the industry. Leading banks of all sizes are demonstrating measurable improvements in operational efficiency, customer retention, and revenue growth following successful modernization efforts.

This report provides concrete examples of how financial institutions have benefitted from and monetized payment modernization initiatives. It is based on a Q3 2024 online survey of 1,037 employees of midsize and large organizations in North America, Europe, and the Asia-Pacific region and a Q1 2025 survey of 1,004 SMBs based in the U.S.

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

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