SHIFT · US
CFOs begin dismantling sprawling payments technology stacks
Enterprise CFOs are moving away from the decades-long strategy of solving payments problems by adding more vendors and APIs. Instead, they are consolidating fragmented stacks of fraud, treasury, virtual card, and cross-border tools into unified platforms.
WHY IT MATTERS
Consolidation trend reduces vendor TAM but raises switching costs for existing players; BFSI must accelerate AI-enabled platform integration or cede market share to newer, unified-stack competitors.
Source: PYMNTS · 2026-09-17