55% of Banks Are Building a Stronger Database for Payments

Issuer processing is moving closer to the moment when payment data becomes a decision, giving financial institutions a clearer path to approve more legitimate purchases and manage risk more precisely. 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.