The January 2025 Datos Insights report identifies ten trends reshaping commercial banking and payments, urging banks to shift from defense to offense. Priorities include real-time payment modernization, leveraging ISO 20022 for revenue, big data strategies, and the emergence of agentic AI. ERP banking eliminates inefficiencies, while SMB-focused portals and virtual ledgers enhance client value. Complex regulations demand stronger risk management, and automated finance plus embedded lending expand opportunities. The report warns banks to meet rising client expectations, counter fintech competition, and integrate technology with relationship-building to retain and grow market share.

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