The ACH network serves as a critical payment rail in the U.S., supporting payroll, benefits, vendor payments, and consumer bill pay across the economy. Many financial institutions continue to operate ACH processing platforms built on infrastructure that dates back 20 to 40 years. As ACH usage continues to grow and customer requirements evolve, banks face a widening gap between what their current systems can deliver and what the market now requires.
This report explores the operational risks of maintaining legacy ACH platforms and the benefits that ACH modernization offers across multiple dimensions of bank operations and competitive positioning. It is based on a Datos Insights survey of midsize and large organizations in Q3 2023, 2024, and 2025.
Clients of Datos Insights’ Commercial Banking & Payments service can download this report.
This report mentions Nacha.
About the Author
Other Authors
