The May 2025 report assesses virtual account management (VAM) providers helping midsize banks adapt to rising pressure from fintech disruption, embedded banking, and instant payments. VAM solutions enable banks to modernize by aligning with corporate ledgers, simplifying onboarding, and offering 24/7 service. The report profiles vendors like SAP Fioneer, Oracle, Infosys Finacle, and others, evaluating their capabilities and client outcomes. For banks aiming to grow revenue and enhance customer experience, adopting virtual ledger technologies is essential to compete with larger institutions and deliver integrated, real-time financial services.

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