Whitepaper

Why Banks Are Loosing Merchants

and How Payment Orchestration Changes the Game

Fintechs and PSPs can get a merchant live in under an hour. Banks often need weeks and spend around $500 per onboarding, and 40% of SMBs are already thinking about switching. This whitepaper explains why merchants are leaving banks and how payment orchestration helps banks win them back without replacing their core systems.

You’ll learn:

  • What’s driving the shift: market data on why merchants pick PayTech providers over banks
  • What holds banks back: legacy IT, compliance pressure, scaling limits and the speed gap
  • How orchestration works for banks: dynamic routing and cascading, APMs, fraud prevention, automated settlement and unified analytics
  • The business case: new revenue streams, 2–3% higher approval rates, lower operating costs and easier compliance
  • A 5-step implementation guide: from audit and sandbox testing to a gradual rollout, plus a case where a bank added five digital wallets in three weeks instead of six months

© 2026 Akurateco. All Rights Reserved.

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Fintechs and PSPs can get a merchant live in under an hour. Banks often need weeks and spend around $500 per onboarding, and 40% of SMBs are already thinking about switching. This whitepaper explains why merchants are leaving banks and how payment orchestration helps banks win them back without replacing their core systems.

You’ll learn:

  • What’s driving the shift: market data on why merchants pick PayTech providers over banks
  • What holds banks back: legacy IT, compliance pressure, scaling limits and the speed gap
  • How orchestration works for banks: dynamic routing and cascading, APMs, fraud prevention, automated settlement and unified analytics
  • The business case: new revenue streams, 2–3% higher approval rates, lower operating costs and easier compliance
  • A 5-step implementation guide: from audit and sandbox testing to a gradual rollout, plus a case where a bank added five digital wallets in three weeks instead of six months

© 2026 Akurateco. All Rights Reserved.