2026年顶级银行业趋势

UnconstrainedBanking A new age of possibility Trend 2The futureof experience Trend 3The futureof work and talent Trend 5The future of riskand regulation Trend 4The futureof technology Trend 1The futureof money About the report Accenture's top banking trends 2026 is more than a forecast; it’sa guide to a future where the limits that once defined bankingare disappearing. For generations, technology, structure and risk appetite constrainedwhat banks could achieve. Today, those boundaries are dissolving.Generative AI (gen AI), digital assets and the potential for newbusiness models are rewriting the rules, creating possibilities that wereunimaginable just a few years ago. The future of banking is being written now. This report distills insightsfrom our global client work, boardroom conversationsandresearch,offering a clear look at what’s happening and why. It also offersactions banks can take to unlock capacity, accelerate innovationandredefine what’s possible. Our mission is to equip banking leaders notjust to adapt, but to lead—transforming constraint into opportunityand shaping the next era of banking. Research snapshot This year, the Top Banking Trends team began by defining the core themes shapingthe industry. Candidate trends were developed through internal crowdsourcing,drawing on insights from senior leaders across key domains. Shortlisted ideas werevalidated using a rigorous, mixed-methods approach: four surveys with bankingexecutives, commercial banking clients and retail banking customers, supported byeconomic modeling and complementary research techniques. This process ensuresevery trend is both evidence-based and highly relevant to the industry. Preface Banking is entering an era defined by the removal of long-standingconstraints. For centuries, the limits of technology, organizationalstructure, risk appetite and even imagination have bound the industryto a certain shape. Today, the convergence of gen AI and agentic AI,digital assets and new business models is not only challenging thoselimits, but shattering them. MichaelAbbott Senior ManagingDirector – GlobalBanking and CapitalMarkets Lead Imagine de-coupling capacity from headcount and physicalinfrastructure and unlocking the power of tens of thousands ofemployees at a fraction of the cost. Imagine being able to understandrisk in its entirety in real time. Imagine turning customer experiencesinto a seamless continuity of conversations. Connect with Michael These possibilities are suddenly viable; in fact, they’re changingthe face of competition. Welcome to the age of unconstrained banking. We explore the phenomenon in these pages, focusing on six keyareas: money, experience, work, technology, risk and competition. Toensure the perspectives we share would be current and actionable,we drew on insights from hundreds of global client engagements andboard-level conversations, complemented by proprietary research andanalysis. We also expanded our author team to include specialists ineach area. Our aim is to address the critical questions we’re hearing frombanking leaders around the world: How will the industry evolve overthe next five years? How can banks balance innovation with prudentrisk management? What new forms of competition and collaborationwill emerge? And most importantly, how can leaders prepare theirorganizations to thrive in this rapidly changing environment? Banking is a diverse and complex industry that defies simple definition.We invite you to explore these trends as both a guide and a catalyst forunconstrained thinking. Authors Everything we know about money is about tochange, except that it will still be money. A newphase is taking shape in how money is stored,moved, used and made smarter—and ultimately,how it works for banks and customers. Sulabh Agarwal Managing Director –Global Payments Lead Digital currencies such as stablecoins, central bankdigital currencies (CBDCs) and tokenized deposits arepoised to enter the mainstream, redefining where andhow money flows. Payment rails, the networks that movemoney between parties, are evolving. New interoperablerails—shared payment infrastructures that allow differentsystems and networks to connect seamlessly—alongwith data-rich, programmable payments are makingtoday's transactions smarter. These shifts represent botha risk and an opportunity for banks. Digital currenciescould push payments and revenue outside traditionalbanking, while smarter transactions could place banksat the center of a new revolution. Brian Shniderman Senior ManagingDirector – North AmericaPayments Lead Based on our analysis, if digital currencies continue to gain traction,up to $13 trillion in transaction value could shift to alternative paymentmethods by 2030, putting an estimated $13 billion in payment fees atrisk.1At the same time, tokenization and smart contracts enabled throughdigital currencies provide a significant opportunity for payment playersto reduce costs and create new reven