Banks must adopt diverse digital money forms and network strategies to meet evolving customer demands.

FIS highlights that banks need to embrace multiple types of digital money, such as stablecoins and tokenized deposits, tailored to their customer base and geography. Community banks have different priorities than global institutions, focusing on practical business uses like programmable banking services and intra-bank liquidity management. The shift is less about choosing one technology and more about building interoperable networks that enhance operational efficiency and customer experience. Collaboration among banks, especially smaller ones, is key to developing shared standards and networks for digital asset adoption.