ACH has long been the backbone of U.S. payments, but expectations around speed, intelligence, and compliance are rapidly changing. As regulatory pressure increases and real-time payment adoption accelerates, financial institutions are being forced to rethink how ACH fits into their broader payments strategy.
Financial institutions have invested heavily in data infrastructure, but existing solutions fall short. Data lakes store yesterday's data and can't deal with complex schemas. Workflow and CRM platforms orchestrate processes but don't unify the underlying data. The core AI challenge remains unsolved: getting the right data, to the right model, at the right time and in a compliant way.
The banking industry is entering the era of Banking 4.0, where Agentic AI is evolving from simple assistive chat into autonomous agents capable of orchestrating end-to-end workflows.
