Fintechs and Banks: Working Together, Competing, or Converging?
The relationship between financial technology firms and traditional banks has evolved through a three-phase progression from initial competition to cooperation and convergence.
BBVA
Company · SP · 3 documents
Key number
$13 billion
Payment fees at risk by 2030 from shift to alternative payment methods. Accenture p.5
Key number
37.3 trillions US dollars
Global corporate bank loan volume. ACCESS Access to science business innovation in digital economy p.4
Digital Development of Innovative Corporate Lending Models in Banks
Global bank investments in corporate lending reached $37.3 trillion as of early 2026, marking an increase of almost 70% over a 10-year period.
Top Banking Trends for 2026
If digital currencies continue to gain traction, up to $13 trillion in transaction value could shift to alternative payment methods by 2030, putting an estimated $13 billion in payment fees at risk.