The commercial banking and payments landscape stands at a critical inflection point as financial institutions transition from defensive postures to offensive strategies in 2025. While traditional banking models persist, the convergence of real-time payments, API-first infrastructure, and “agentic” AI is rapidly transforming from a competitive advantage to table stakes. This report examines the key trends reshaping commercial banking, from the evolution of small-business banking solutions to the emergence of embedded lending and virtual ledgers.
Clients of Datos Insights’ Commercial Banking & Payments service can download this report.
About the Author
