New forms of intelligent money set to hit traditional bank B2B revenue streams

The way your customers pay and how you receive funds is shifting toward 'intelligent money' like stablecoins and tokenized deposits. While this sounds like futuristic banking jargon, it has direct implications for your bottom line. By 2030, these digital payment methods are expected to handle 4% of global payment volume. For retailers, this represents a potential move away from traditional banking rails that often eat into margins through high transaction fees and slow settlement times. Traditional banks are facing a threat to their B2B revenue because these new technologies allow for faster, programmable payments. For a business owner, this means the potential for near-instant settlement of funds without waiting for the standard two-day banking cycle. It also opens the door for more integrated financing options where the payment and the credit agreement are baked into the digital currency itself. This could eventually lead to lower overhead for Buy Now, Pay Later (BNPL) programs and other consumer financing tools you offer at the point of sale. While you don't need to change your checkout process today, you should be aware that the 'plumbing' of consumer finance is being rebuilt to be faster and cheaper than the current credit card and ACH systems.

Source: Finextra — Lending

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