Many banks struggle to manage payments as a standalone business due to fragmented decision making, complex infrastructure, and limited visibility into end-to-end payments profitability. This challenge is intensifying as the payments market evolves, consumer spending remains uncertain, and competition from big technology firms and neobanks increases. To respond, banks need a future-proof strategy that clarifies where to play and how to win, while building competitive advantages. Priorities include improving sales productivity and cross-selling, boosting cost efficiency through automation, increasing organizational agility with better decision making, and investing in technology while balancing operational resilience and regulatory requirements.

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