55% of Banks Are Building a Stronger Database for Payments

That shift anchors “Where Payment Decisions Happen: How Issuer Data Is Powering the Next Era of Commerce,” a May 2026 report from PYMNTS Intelligence and FIS. The report finds issuer processing platforms are expanding beyond transaction execution. They are beginning to connect data, processing capacity and participants across the payments ecosystem so banks, FinTechs, networks and automated systems can work from a more complete view of each transaction. In those transactions, issuer platforms can validate credentials, apply spending controls and authorize activity without direct user intervention. Financial institutions that build these connections now could turn issuer processing into a more useful operating layer.