Fintech in Corporate Banking: Digitize or Miss the Boat

The more current perception of “fintech” is underpinned by the rapid change in the types of readily available technology along with the pace of these advances. Such capabilities continue to drive numerous investments in the space, as participants make bets on how the industry will look in 10 years and how best to get there.

In a new research report, Fintech in Corporate Banking: Digitize or Miss the Boat, Mercator Advisory Group reviews how these unprecedented technology capabilities are now shifting more toward use cases for the corporate banking space.

“In a similar fashion to the migration of fintech capital investment from Silicon Valley to more global funding participation, the opportunities and funding patterns are also changing from primarily consumer apps and small business lending to more corporate and investment banking types of business models” commented Steve Murphy, Director of Mercator Advisory Group’s Commercial and Enterprise Payments Advisory Service, author of the report. “Investors’ initial attraction to consumer products was logical given that the revenue recognition cycle is shorter for consumer products than for corporate solutions, which are usually more complicated. The shift is a occurring as both developers and liquidity providers more clearly understand the more complicated corporate use cases.”

The document is 16 pages long and contains 5 exhibits.

Companies mentioned in this report include: AccessFintech, ACI, Adyen, Alphabet, Amazon, AvidXchange, Ayasdi, CGI, Citi, Clarity Money, Envestnet, Feedzai, FICO, Finastra, First Data, Fiserv, Goldman Sachs, HSBC, Infor, Intel, iZettle, Jack Henry, J.P. Morgan Chase, Kofax, Microsoft, Optimizely, PayPal, Pegasystems, Pelican, Salesforce, Santander, Silicon Valley Bank, Temenos, Tradeshift, TSYS, and Zafin.