09/06/2026
If platforms own the customer where can banks still capture payments value?
Read the full article: https://www.theasianbanker.com/updates-and-articles/if-platforms-own-the-customer-where-can-banks-still-capture-payments-value
At a transaction finance roundtable during The Asian Banker Summit 2026, senior banking and payments leaders from global and regional institutions explored how digital platforms, embedded finance and shifting customer journeys are reshaping payments economics.
While banks continue to provide settlement, liquidity and regulatory trust, the payment journey is increasingly beginning inside platforms, wallets and digital ecosystems.
Key discussion points:
๐น Customer origination is shifting to platforms that control the user interface, data and engagement layer
๐น Payments are increasingly commoditised, with value migrating into lending, treasury and adjacent financial services
๐น Trust, regulation and cross-border complexity remain structural strengths for banks, but not standalone advantages
๐น Speed of ex*****on and organisational integration are emerging as key differentiators, particularly in SME segments
๐น The separation between infrastructure ownership and customer ownership is widening across the payments value chain
The discussion highlighted a clear inflection point: participation in payments is no longer the same as capturing the value created around them.
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