What the research says

According to the information gathered by Datos Insights, treasurers reward banks that deliver intuitive, modern experiences. The research shows that 36% of corporate treasurers would switch FIs for a more modern, user-friendly digital experience, highlighting the move from closed portals to a central hub with seamless navigation and entitlement-driven personalization.

Speed matters across generations. Datos found that 28% of Millennial and Gen Z decision makers already use real-time payments and 86% say speed of payment is important or very important.

Strategy beats hesitation in faster payments. The survey results stated that over 900 U.S. banks are on the RTP network, most in receive-only mode, while 88% of banks now view faster payments as strategic. Fraud fears, perceived lack of demand, revenue cannibalization concerns, and legacy infrastructure commonly slow action.

GenAI is moving from talk to targeted value. Datos found that the top cash-management use cases banks expect to drive impact:

The consensus from the panel

Corporate treasurers want a central command center. Treasurers increasingly expect a single workspace that brings balances, payments, entitlements, approvals, and analytics together. The opportunity for banks is to evolve from tool provider to growth partner by orchestrating journeys that feel intuitive rather than complex.

Faster payments creates room for proactive servicing and selling. Moving from receive-only to full send and request unlocks new embedded experiences: automated payment routing, instant exception handling, and richer notifications for CFOs and AP teams. Banks that operationalize this shift earn primacy and grow fee revenue.

GenAI belongs inside the journeys. The conversation pointed to agentic assistants that help treasury users and bank teams resolve tasks in seconds. Think receivables matching with explanations, real-time anomaly flags during payment initiation, and forecasting that helps RMs and clients make better cash-position decisions.

“I find that this is a great use case for AI to actually say, let me look at the data, and let me figure out what is the most efficient way of processing that. Why can't you leverage the Instant Pay network to actually affect that transfer much faster and much quicker?”

— Arun Ramamoorthy, Head of Commercial Banking, Backbase

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How Backbase helps banks activate this growth

Backbase unifies digital sales and servicing into one AI-powered Banking Platform, so you can start where it matters, build momentum, and expand across lines of business. The platform brings together an Engagement Fabric for consistent experiences, an Intelligence Fabric with agentic AI and real-time decisioning, and an Integration Fabric that connects to core, payments, and fintech partners.

Banks use Backbase to move beyond siloed workflows and deliver intelligent, orchestrated journeys that increase conversions, boost cross-sell, improve retention with real-time engagement, lower cost-to-serve with employee assist tools, and accelerate time-to-market with pre-built flows.

This is the path into Growth Mode. Replace static portals with a central hub, embed AI in receivables, payments, and forecasting, and empower bankers to deliver proactive servicing and selling that turns customers into fans and banks into growth engines.

Key takeaways for bank leaders

• Reimagine treasury as a central hub. Win share by simplifying navigation and tailoring entitlements and experiences by role.
• Treat faster payments as a growth lever. Move beyond receive-only and package intelligence, controls, and alerts around RTP and instant rails.
• Operationalize GenAI inside the journeys. Start with receivables matching, fraud detection, and cash-flow forecasting, then scale to a virtual treasury assistant.
• Unify your tech so each step compounds. Start where it matters, then expand across onboarding, digital banking, activation and expansion, and human assist on one platform.
  
  

Keep the momentum

Backbase exists to empower bankers with the tools to unlock growth through AI, unified data, and proactive servicing and selling. Let’s reimagine, build, and grow together.

If you’d like to book a strategy session tailored to your treasury roadmap, our team can help you map use cases, quantify impact, and plan the sequence to deliver results.

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