The Revenue Opportunity Most Banks Are Missing Lies In The Hidden Pains of Their Corporate Base

As banks push forward with payment infrastructure modernization — ISO 20022 migrations, core upgrades, decommissioning legacy systems like UK shift to ISO 20022 and Sweden's Bankgirot phase-out — a hidden disruption is unfolding downstream.

Not inside your bank. Inside your corporate customers.

Your Modernization = Their Disruption

Here’s the reality:
The existing ecosystem — ERPs, treasury systems, accounting platforms, even homegrown finance tools — has spent decades stabilizing around legacy payment flows.

Yes, they were old. But they worked.

Payment files. SFTP pipes. Predictable reconciliation logic.
The workflows were embedded — in software, in teams, in financial operations.

Now, that whole system is being broken open. And it’s not ready.

What Corporates Are Struggling With

For corporates, modernization doesn’t feel like progress.
It feels like risk. Cost. Chaos.

They’re suddenly expected to:

• Support multiple bank APIs instead of one central infrastructure
• Handle new file formats, new signing protocols, new payloads
• Rewrite internal routing, scheduling, and reconciliation logic
• Manage staggered timelines across multiple banks, multiple countries

The result?
Interrupted payments. Broken workflows. Missed payrolls.
And rising pressure on finance and IT teams who didn’t ask for any of this.

The Strategic Risk for Banks

If corporates can’t cope with the new reality, they won’t blame ISO 20022.
They’ll blame you — their bank.

Even worse:
If banks don’t help them navigate this disruption, someone else will.
ERP vendors, fintechs, aggregators — they’re already positioning to be the new interface to payments and cash.

You risk becoming the dumb pipe — while others take the value layer.

The Revenue Opportunity Most Banks Are Missing

But here’s the flip side:
This disruption is banks' opportunity to lead.

Your infrastructure investment doesn’t have to be just compliance-driven.
It can be revenue-generating.

Banks that step in with modern, premium cash management and payment solutions can:

• Capture CFO and treasurer mindshare
• Become the system-of-record for liquidity and cash visibility
• Create sticky, high-margin services corporates depend on
• Turn their API stack into a monetizable platform, not a cost center

What Corporates Want From You

They’re not asking for access to your API docs.
They want outcomes.

• A single place to initiate and approve payments across banks
• Real-time visibility into cash positions, across entities
• Reconciliation that just works
• Tools that connect into their ERP or treasury stack
• Less chaos, less maintenance, more control

How to Deliver That — Without Rebuilding Your Core

That’s where partners like Visualizy come in.

We help banks turn their modernization efforts into product.

Visualizy together with IBM give banks a platform to deliver seamless and modern cash management solution and payment automation to their corporate clients and fintech partners

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• Multi-bank cash portals your corporate clients can start using today
• Premium APIs, harmonized across fragmented market timelines
• IBM FS Cloud infrastructure, secure and scalable by default
• Composable components — deploy what you need, when you need it

Your corporate clients get simplicity.
You get stickier revenue, higher NPS, and a position of trust.

Modernization Isn’t Over — But the Monetization Opportunity Has Begun

If you’re spending on ISO migrations, cloud infra, and API layers —
You’re halfway there.

But the second half is what turns cost into margin.
Disruption into loyalty.
Compliance into cash flow.

Let’s help your clients transition and turn your modernization into a growth engine. Contact us

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