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  "documentTitle": "Commercial payments, reinvented Your blueprint for accelerating payments revenue growth",
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      "text": "Only 30% of banks have adopted high levels of automation and AI in the commercial payments division, while 43% have adopted cloud and 27% network connectivity to a high degree (Figure 6).",
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      "text": "The survey results indicate that most incumbents face an urgent need to modernize their commercial payments tech stack and build a digital core that becomes a competitive advantage.",
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      "text": "Most incumbents are aware of the shifting competitive landscape and the impact of the constraints imposed by their legacy architecture. However, they are still struggling with the trade-off between investments with short- and medium-term impacts, such as security enhancements, which is one of their major concerns, and long-term impacts, such as architecture modernization through cloud, AI and automation.",
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      "text": "Most incumbents are aware of the shifting competitive landscape and the impact of the constraints imposed by their legacy architecture. However, they are still struggling with the trade-off between investments with short- and medium-term impacts, such as security enhancements, which is one of their major concerns, and long-term impacts, such as architecture modernization through cloud, AI and automation. — Edlayne Burr, Growth Markets Payments Lead, Accenture",
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      "text": "Source: Accenture Reinventing Commercial Payments Study, 2023 (Banking and Payments Provider Survey)",
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      "kind": "title",
      "text": "CHAPTER 1 | COMMERCIAL PAYMENTS INCUMBENTS FACE INCREASING DISRUPTION",
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