Commercial Banking in Transition: The Global Survey

ChainWatcher · 2026-03-20T11:53:18+00:00

The essay discusses the challenges faced by commercial banks in the evolving global payments landscape, highlighting the impacts of fintech competition, changing client expectations, and digital currencies. It presents findings from a survey of banking leaders to identify key insights and strategies for adaptation and investment.

ChainWatcher

2026-03-20 11:53:18

Abstract generation in progress

As commercial banks navigate accelerating shifts in global payments, the industry is facing increasing pressure from changing client expectations, growing competition from fintech firms and neobanks, the constraints of traditional correspondent banking, and the emergence of digital-based currencies and infrastructure.

To uncover how the industry is responding, Finextra Research, in association with Visa Direct, surveyed 520 global commercial banking leaders between December 2025 – January 2026 to reveal key insights designed to help commercial banks navigate today’s challenges and prepare thoughtfully for the future.

Get the insights you need to stay ahead — this exclusive report provides concise, data-driven insights, and region specific takeouts, exploring where challenges are most acute, how client behaviour is changing, and how commercial banks are approaching decisions around investment, collaboration, and innovation.

**Download this Finextra survey report, produced in association with Visa Direct, to discover: **

*   _The key operational challenges commercial banks face in cross-border payments; _
*   _Commercial client fund diversification trends; _
*   _How commercial client expectations around speed, cost, and integration are evolving; _
*   _The impact of fintechs, neobanks, and ERPs on traditional commercial banking relationships; _
*   _Cross-border payment investment plans; and _
*   _Approaches to digital assets and stablecoins for commercial use cases. _

Sign up for this Finextra webinar, Commercial Banking in Transition: What are the Key Opportunities in 2026?, hosted in association with Visa Direct, to join our panel of industry experts who will explore the key challenges as commercial banks navigate accelerating shifts in global payments, and discusses how banks can embrace the existing opportunities to stay ahead of the curve. Register now.

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