Core Insights - Fifth Third has expanded its commercial payments business by acquiring DTS Connex, enhancing its cash management software solutions for multi-location businesses such as retailers, restaurants, and healthcare providers [1][2] - The acquisition allows Fifth Third to improve its cash logistics offerings, infrastructure, and risk management capabilities [2] - DTS Connex will operate as a wholly owned subsidiary of Fifth Third, maintaining its independent business operations [4] Company Strategy - The acquisition is aimed at automating cash operations and fostering collaboration across the cash ecosystem through advanced data sharing [3] - Fifth Third's previous collaborations with DTS Connex include the development of a deposit tracking solution that is part of DTS Connex's Cash Vault Direct product [3] - The bank's focus on client experience and technology-driven solutions is emphasized by the leadership of both companies [4] Recent Acquisitions - Prior to acquiring DTS Connex, Fifth Third acquired Rize Money in May 2023 to enhance its treasury management business [4] - In March 2023, Fifth Third also acquired Big Data Healthcare to strengthen its national healthcare revenue cycle capabilities [5] Financial Performance - Investments in tech-enabled products have resulted in significant growth, with a reported 30% year-over-year revenue increase in commercial payments [6] - The Newline by Fifth Third embedded finance platform contributed to an increase of over $1 billion in commercial deposits connected to its services [6]

Core Insights - Fifth Third Bancorp's investments in tech-enabled products have yielded positive results, with significant revenue growth and increased commercial deposits [1][2] - The company has experienced a shift from legacy ACH to modern instant payment systems, enhancing its service offerings [3] - Loan growth has been robust, reaching its highest level in over two years despite a challenging market environment [4] Financial Performance - The Newline by Fifth Third embedded finance platform for enterprises achieved a 30% year-over-year revenue growth and added over $1 billion in commercial deposits [2] - Average loan growth across diversified origination platforms was reported at 5% year-over-year, with overall loan growth at its highest in two years [4] Digital Services and Innovations - Fifth Third has partnered with Trust & Will to provide free wills to customers, addressing a significant market need [5] - The bank plans to integrate AI-enabled features into its mobile app, aiming to enhance user experience and reduce costs [6] - The share of new consumer deposit accounts with digital originations increased from 22% to 28% over the past year [7] User Engagement - Average active digital users rose from 3.07 million to 3.17 million, while average active mobile users increased from 2.32 million to 2.43 million from Q2 2024 to Q2 2025 [6] - The percentage of mortgage applications that were digitally assisted slightly decreased from 98% to 97% [7]