Digital Money Shift

Digital assets have moved beyond experimentation as customer demand, institutional investment and production deployments accelerate.

Banking Challenge

Technology is no longer the primary barrier to adoption. Banks now face the harder task of integrating digital money into existing operating models while maintaining governance, interoperability and customer trust.

FIS Insight

Banks have the advantage of customer trust ... for now.

“Banks have the advantage of customer trust ... for now.”

Digital Money Integration

Modern banking platforms are enabling institutions to issue, manage and settle digital money at scale. They can also preserve the compliance, governance and operational control expected of regulated financial institutions.

Infrastructure Investment

88% of banks have committed or expect to commit budget to digital asset infrastructure in 2026.

“88% of banks have committed or expect to commit budget to digital asset infrastructure in 2026.”

Digital Asset Opportunity

A joint Morgan Stanley and Oliver Wyman analysis estimates that banks could tap into a $3 trillion crypto asset class as regulation evolves, potentially adding as much as $7 billion in revenue by 2030.

Digital Money Models

Stablecoins prioritize broad ecosystem reach, circulating a single digital asset across many participants and networks. Single-bank tokenized deposits extend a bank’s own deposits into digital environments while keeping balances on that institution’s books.

Banking Risk

Banks risk losing relevance if they are not prepared for digital money. The risk is not simply that banks miss a new product category.

Operational Readiness

For banks, the biggest barrier to digital money is operational rather than technological.

Infrastructure Readiness

55% of banks cite institutional-grade infrastructure and operational support as key to unlocking digital asset adoption.

“55% of banks cite institutional-grade infrastructure and operational support as key to unlocking digital asset adoption.”

Collaboration Needed

Digital money will not be won by individual institutions acting alone. The next phase of adoption depends on banks connecting to one another through trusted networks that support interoperability, governance and shared standards.

FIS Strategy

FIS’ Eisenstein said banks have navigated similar transitions before. Electronic payments, online banking and real-time payments became valuable as networks formed around common standards.

AI Impact

Eisenstein said transaction volumes generated by autonomous agents could reach 10 times human transaction volume within 18 months.

Infrastructure Roadmap

Banks should modernize for multiple forms of digital money, not bet on a single winner.

Lyriq Platform

FIS’ Lyriq platform recognizes that complexity. Designed to integrate with a bank’s existing core system regardless of the core provider, Lyriq enables settlement around the clock.

Future Banking

Institutions that prepare today will be best positioned to remain at the center of how money moves tomorrow. That preparation requires interoperable, bank-grade platforms designed for governance, operational resilience and future flexibility.