make thesis statement The limitations faced by banks in software development have significant implications for their payment processing services and revenue generation. As highlighted in the research conducted by Icon Solutions and Celent, the lack of software developer capacity has resulted in a significant 5% loss in payment revenues for banks. To overcome these limitations, banks need to explore potential solutions such as collaboration with fintech companies to leverage their technical expertise and resources. By working together, banks can enhance their software development capabilities and ensure that their payment processing systems align with changing customer expectations