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1、A new legacy of payments growth How banks can reinvent payments with a strong digital coreBanks can unlock a$55 billion opportunity in paymentsEmbracing a reinvention strategy and investing to build a strong digital core can help banks gain market shareunlocking a$55 billion opportunityeven amid the

2、 relentless rise of alternative payment providers.2Banks can unlock a$55 billion opportunity in paymentsA new legacy of payments growth the researchModernizing payments represents a major avenue for growth for banks.Our Payments Technology Reinvention survey covered 326 bank executives across 18 cou

3、ntries and the fieldwork was executed between July and August 2024.Our sample represented 51%of the global banking industry in terms of total assets.The survey aimed to uncover opportunities and challenges banks face on the path to payment modernization and reinvention.Based on the survey results,Ac

4、centure identified leading banksthe top 25%with the highest maturity across all seven components of a digital core.The results were further enriched with our proprietary payments revenue model,which estimates the size and growth of the global payments market(in revenue terms)across both consumer and

5、 commercial segments.We used the same model to calculate the operating profit opportunity,which was based on a cost-to-income ratio of 60%for banks.The opportunity presented is based on the average projected outcomes of leading banks,which may vary by individual bank,assuming all other factors are e

6、qual.Our global payments revenue model leverages a combination of both bottom-up and top-down approaches,drawing on secondary data provided by GlobalData,the World Bank,the European Central Bank,Juniper Research and numerous external and internal expert interviews.The model includes forecasts extend