IDC FutureScape: Worldwide Corporate Banking 2025 Predictions

IDC FutureScape Figure

• Figure: IDC FutureScape: Worldwide Corporate Banking 2025 Top 10 Predictions

Executive Summary

IDC FutureScape Predictions

• Summary of External Drivers

• Predictions: Impact on Technology Buyers

• Prediction 1: By 2025, commercial real estate lenders will require enhanced automated collateral and covenant management solutions due to volatility in commercial property valuations.

• Associated Drivers

• IT Impact

• Business Impact

• Guidance

• Prediction 2: Modern virtual accounts are a catalyst for corporate banking-as-a-service (BaaS), enabling innovative banks to build BaaS capabilities and boost revenue per customer by 15%-25% in 2025.

• Associated Drivers

• IT Impact

• Business Impact

• Guidance

• Prediction 3: By 2026, due to the wider adoption of the UNCITRAL Model Law on Electronic Transferable Records (MLETR), corporate banks will be able to reduce their trade finance operational costs by 15%.

• Associated Drivers

• IT Impact

• Business Impact

• Guidance

• Prediction 4: By 2026, under digital operational resilience regulations, banks must undertake stricter control on third-party management, thus investments in procurement processes automation will grow 30%.

• Associated Drivers

• IT Impact

• Business Impact

• Guidance

• Prediction 5: 100% of bulge bracket investment banks will provision blockchain-enabled tokenized asset infrastructure platform services to their clients by 2027.

• Associated Drivers

• IT Impact

• Business Impact

• Guidance

• Prediction 6: As B2B and B2C payments become more electronic and more complex, embedded payment offerings from corporate application ISVs will capture 20% of corporate payment transaction volume by 2027.

• Associated Drivers

• IT Impact

• Business Impact

• Guidance

• Prediction 7: Responding to the dire need to automate and enhance its counterparty credit assessment process, by 2028, 50% of large enterprises will adopt generative AI to manage counterparty risk.

• Associated Drivers

• IT Impact

• Business Impact

• Guidance

• Prediction 8: By 2028, 40% of the global trade will be in currencies other than U.S. dollars, driven largely by increased trade in other currencies and the flow of trade in CBDCs.

• Associated Drivers

• IT Impact

• Business Impact

• Guidance

• Prediction 9: Responding to demand for application users, by 2028, 70% of financial applications will feature financial services (payments, lending, financing, etc.) embedded within the workflow.

• Associated Drivers

• IT Impact

• Business Impact

• Guidance

• Prediction 10: By 2029, 75% of green bond issuance will utilize DLT to enable real-time pricing transparency and automated ESG compliance reporting, reducing manual management tasks and enhancing investor confidence.

• Associated Drivers

• IT Impact

• Business Impact

• Guidance

Advice for Technology Buyers

External Drivers: Detail

• AI-Driven Business Models — Moving From AI Experimentation to Monetization

• The Drive to Automate — Toward a Data-Driven Future

• Future Proofing Against Environmental Risks — ESG Operationalization and Risk Management

• Geoeconomic Reordering — Rethinking Globalization, Supply Chains, and Macroeconomic Challenges

• Responsible and Human-Centric Technology — Ethics in the Enterprise

• Battling Against Technical Debt — Overcoming Hurdles to IT Modernization

• Customer Experience Squared — Consumer and Citizen Expectations for Digital Services

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• Related Research