While 60% of banks prioritized business-to-business (B2B) payment innovation during the past three years, only 32% of corporate clients report satisfaction with their primary banking partner.
That’s because corporations are increasingly seeking greater visibility, predictability, liquidity control, embedded compliance, and reconciliation across the full B2B payments lifecycle, according to Capgemini’s World Payments Report.
Key takeaways:
· This shift is defined as “accelerated intelligent money,” an increasingly rapid move toward payments instruments, including stablecoins, tokenized deposits, and wholesale central bank digital currency (CBDC) that combine value transfer, settlement, and business rules within a single layer.
· Only 21% of banks today are actively scaling at least one accelerated intelligent money instrument.
· “Reactive” participants preserve client access by distributing third-party capabilities with minimal investment of their own.
· “Offensive” participants invest selectively in priority corridors, client segments, or use cases – where they can most efficiently differentiate themselves.
· “Transformative” participants seek to shape the ecosystem itself by investing in shared infrastructure, technical standards, and governance participation.