Banks Have Faced Risks to Payments Revenue
The global banking sector faces a potential $230 billion revenue loss to stablecoins and tokenized deposits.
Updated on Sept. 24, 2026 in Financial Services
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The Capgemini World Payments Report 2027 reveals that global banks risk losing $230 billion in revenue to stablecoins and tokenized assets. Corporate clients cite slow and costly cross-border payment processes as key drivers for seeking non-bank alternatives.
Why it matters
Current B2B infrastructure leaves $4 trillion trapped in settlement accounts, prompting corporates to explore more efficient alternatives. Institutions that fail to modernize their offerings risk losing market share to agile fintech competitors.
Banks risk a $230 billion revenue decline, while 60% of corporates are willing to use non-bank stablecoin services. Currently, cross-border B2B payments take 3.5 days to complete at a cost of 2% of the transaction value.
The players
Capgemini Research Institute
This is a global professional services firm that publishes recurring industry research on digital transformation and financial systems.
The details
Corporate clients currently maintain an average of 11 banking relationships, yet many find traditional cross-border systems inefficient and unpredictable. To combat this, banks are increasingly leveraging AI-driven surveillance to embed compliance and real-time AML checks into transaction flows.
Timeline
Capgemini conducted surveys between May and June 2026.
The World Payments Report 2027 was released on September 24, 2026.
Intelligent money instruments are projected to reach 4% of global volume by 2030.
Market Landscape
The emergence of tokenized assets and stablecoins represents a fundamental pivot in the financial sector's move toward accelerated intelligent money instruments. Traditional banking institutions are now racing to integrate these tools to reclaim the $4 trillion currently held in idle liquidity.
Corporate clients can expect faster and cheaper payment processing as banks scale intelligent money instruments over the next 15 months. These shifts aim to reduce the current 3.5-day wait time for cross-border settlements.
The takeaway
While 71% of corporates still prefer banks for tokenized payments when quality is equal, institutions must act quickly to modernize. Success in the next 15 months will likely determine which firms retain their client base during this technological transition.
Further reading
Learn more about the latest industry trends by visiting our Financial Services section.
More information
Access the full report details at the Capgemini Research Institute publication portal.
Live Poll
Do you trust your primary bank to adapt to new digital payment technologies over the long-term?
