KeyBank 推出虛擬商業卡以應對 Fintech 競爭

Commercial cards cover corporate procurement, travel and routine operating expenses, and are evolving from simple payment tools into platforms that integrate credit, expense management and real-time analytics. The market was worth about $150 billion in 2025 and is projected to nearly double by 2033. Fintech firms such as Brex are targeting small and medium-sized businesses with digital-first services, directly threatening traditional banks’ fee income and customer relationships.

Capital One announced on Jan. 22, 2026, that it would acquire Brex for $5.15 billion in cash and stock, and completed the deal on April 7. A May 29 report said banks must now reassess the competitive landscape. Industry experts recommend that banks target high-spending small and medium-sized businesses, tailor marketing to their industries and spending needs, and modernize expense-management services to limit market-share losses.