Fintech in Corporate Banking: Digitize or Miss the Boat

  • ID: 4749379
  • Report
  • Region: Global
  • 16 Pages
  • Mercator Advisory Group
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The Financial Institutions and Their Corporate Clients Had Best Quickly Adapt to a Digital Environment or Risk a Competitive Gap

FEATURED COMPANIES

  • AccessFintech
  • Ayasdi
  • FICO
  • Infor
  • Microsoft
  • Santander
  • MORE

Financial technology is nothing new, since the financial services industry is all about providing services that ensure the safety and liquidity of assets for individuals and for businesses of all sizes. Numerous firms have for decades been expertly partnering with financial institutions in supporting the movement, investment, and safeguarding of money.

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, the author 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 the 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.”

Highlights of the report include:

  • Detailed review of global fintech investment by funding type and region
  • Discussion of the shift occurring between corporate fintech application investment and traditional consumer/SME use cases
  • Analysis of the early-stage investment trends by financial institutions and how these align with corporate banking and payments success factors.
  • Review of the factors leading to extensive funding for machine learning and AI start-ups and how these will impact corporate banking both near and long term.
  • Discussion of the overall ”techfin” landscape and risks associated with inertia amongst financial institutions.
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FEATURED COMPANIES

  • AccessFintech
  • Ayasdi
  • FICO
  • Infor
  • Microsoft
  • Santander
  • MORE

Executive Summary

Introduction

Fintech Investment Trends

  • More Than Recent Start-Ups
  • Branches Have Grown on the Money Tree
  • Fintech for Business-to-Business (B2B) Payments

Corporate Banking Trends

  • Latest-Generation Technology
  • Near-Term Priorities
  • Machine Learning and Artificial Intelligence

Other Considerations

  • Lagging Innovation

Conclusions and Strategic Recommendations

References

  • Related Research
  • Endnotes
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  • 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
  • Zafin
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