Commercial Banking in Transition: The Global Survey

As global payments evolve, commercial banks face growing pressure from changing client expectations, fintech and neobank competition, limitations of correspondent banking, and the emergence of digital currencies and new infrastructure.

To understand how the industry is responding, Finextra Research, in association with Visa Direct, surveyed 500+ commercial banking leaders across APAC, Europe, CEMEA, North America, and Latin America between December 2025 and January 2026, creating a truly global view of the market.

This exclusive, data‑driven report explores:

• Key operational challenges in cross‑border payments


• How commercial client expectations around speed, cost, and integration are changing


• Client fund diversification trends and investment priorities


• The impact of fintechs, neobanks, and ERPs on traditional banking relationships


• How banks are approaching innovation, collaboration, digital assets, and stablecoins

Download the report to get concise insights and region‑specific takeaways to help your bank navigate today’s challenges and prepare for what’s next.