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Sunday, March 15, 2026
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The Future of Competitive Advantage in Banking and Payment | Part 2 | Bottomline

Bottomline’s recent study indicates that 40% of financial institutions in the world are planning to focus on fraud prevention in the upcoming twelve months, and 32% are focusing on adopting new payment rails and compliance deadlines. In the hurry to provide accessible and cost-effective real-time payment options – like Europe’s SEPA Instant mandate – it is anticipated that the pressure is on banks to step up as required.

With the modernization of their outdated infrastructure, the requests for speed-to-market and agile implementation of industry best practices are at an all-time high. The question is not just about prioritization, but also their ability to be in step with industry momentum. From our research, 52% of banks had customer expectations – access, speed-to-market, reliability, and security ranked highest, in terms of strategic priority.

Furthermore, there is a strong emerging synergy between banks and corporates. The 2024 Euromoney Cash Management Study found that digitization and automation stood out as key priorities among 30,000 finance professionals, which neglected to add to banks’ desire to provide seamless and secure payment services and experiences, and informed banks’ desires to enhance their digital currencies.

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