Rethinking Infrastructure, AI, and Partnerships in Banking & Payments
Banks are changing, but not all at the same pace — and not always in the same direction. Some are rebuilding core systems from scratch, while others are layering new tools onto decades-old infrastructure. Meanwhile, fintechs are no longer just challengers: they’re partners, competitors, and sometimes even acquisition targets.
At the heart of it all is the customer. People expect speed, transparency, and flexibility — whether it comes from a bank, a fintech, or a collaboration between the two. Delivering that experience, however, often means navigating messy trade-offs behind the scenes.
This is what the latest UNCHAIN White Paper – “Between Legacy and Leap: Rethinking Infrastructure, AI, and Partnerships in Banking & Payments” explores. Based on insights from the Banking & Payments roundtable at the 4th UNCHAIN Fintech Festival powered by Payten, it gives a front-row view of how financial institutions are adapting to change.
‘Merchants want to integrate as many payment methods in their acceptance system so it’s a seamless experience for the customer and then they want everything to be error-free, stable and these are the three things we most often hear. They are changing a little bit their perception, their attitude, we can say that there is a small disruption and this is coming from the desire to challenge the existing status quo, merchants are looking more in how they can improve their system, how they can make sure that they have the latest innovations on board, how they can outcompete their direct competitors. So, all in all, I think innovation will drive adoption but as long as it comes with direct benefits for the merchants.’
Ciprian Pîrv
Country Managing Director
Payten
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