55% of Banks Are Building a Stronger Database for Payments

# 55% of Banks Are Building a Stronger Database for Payments

> Evidence tier: B1
> Evidence type: Independent payments trade media report
> Source: [PYMNTS](https://www.pymnts.com/commerce/2026/55percent-of-banks-are-building-a-stronger-data-base-for-payments)
> Published: 2026-08-05
> Captured: 2026-08-05T14:47:08.518Z

## Source summary

A PYMNTS Intelligence and FIS report says 55% of surveyed organizations have unified more than half of their data, while 47% still cite poor data quality as a constraint on AI-led payment decisions. It estimates that issuers falsely decline 15% of legitimate ecommerce transactions, representing $430 billion in lost global sales. FIS says its post-TSYS platform processes more than 73 billion transactions a year across more than 75 countries.

## Why it matters

Issuer processors can use transaction history, device signals and credentials to improve authorization across markets, where fragmented data can make a legitimate cross-border purchase look risky. The report supports the strategic case for a shared decisioning layer, including agent-initiated payments, but it is co-produced with FIS and does not disclose sample design, corridor-level false-decline rates or measured improvement from FIS products.

## Key numbers

- **Organizations with more than half their data unified:** 55%
- **Organizations constrained by poor-quality data:** 47%
- **Legitimate ecommerce transactions falsely declined:** 15%
- **Estimated lost global sales:** $430 billion annually
- **FIS transaction footprint claimed:** 73+ billion annually across 75+ countries

## Topics and entities

- Industry lane: Payment infrastructure
- Entities: FIS / issuer processors
- AI-native finance
- Cross-border payments
- Payment infrastructure

## Evidence and credibility note

PYMNTS Intelligence report co-produced with FIS. Survey percentages and FIS processing scale are report or company claims; methodology and corridor-level outcomes are not provided in the article.

Date evidence: Automatically verified from article:published_time: 2026-08-05T08:00:08+00:00

## First-party corroboration

No directly corresponding A1 company announcement is currently linked.

## Original-source traceback

[Open the original PYMNTS report](https://www.pymnts.com/commerce/2026/55percent-of-banks-are-building-a-stronger-data-base-for-payments)

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This is a structured Payments Hot Markdown source summary derived from external reporting. Use the original link above to read the publisher's article; copyright remains with the original publisher.