2026年零售银行趋势与优先事项

The banking industry has mastered the language of digital bankingtransformation while perfecting the art of staying exactly the Co-Publisher, The Financial BrandHost, Banking Transformed PodcastOwner, Digital Banking Report 2026 RETAIL BANKING TRENDS AND PRIORITIES Letter From the Author Another year, another banking trends report claiming digital transformation remains thetop priority. If you’ve read enough of these, you know what comes next. Bold claims aboutcustomer-centricity, data-driven personalization, and AI-powered experiences that ultimately This report is different, but not because banking has suddenly understood the needfor transformation. It’s different because we’re no longer pretending the problem iscomplicated. After reviewing responses from hundreds of financial institutions about their Consider the evidence. Digital experience leads strategic priorities at 57%, yet 42% ofinstitutions plan to expand their branch networks in 2026. Data and analytics rank as acritical trend, yet only 28% make it a funding priority, and just 6% have implemented Jim Marous Institutions claim that partnerships foster innovation, but then use those collaborations toreplicate the same capabilities that every competitor already has. Banks recognize that non- This isn’t a knowledge problem. It’s a courage problem. Our research shows that 57% of institutions have been working on digital transformation forover two years. However, only 7% have fully reached their transformation goals. Meanwhile,54% are still in early or undefined stages, and 17% have no clear goals at all. These The good news is that the tools for true transformation have never been more accessible.Fintech partnerships are now mainstream, with 67% of institutions already collaborating. AIcapabilities are offered by dozens of providers. Real-time payment infrastructure is in place. But technology’s availability doesn’t matter when leadership fails to make tough decisions, orwhen the status quo remains the norm. Every dollar spent expanding branches is a dollar notinvested in developing the digital capabilities you consider strategic. Every partnership usedto mimic common features is a missed chance for true differentiation. Every AI deployment The brutal truth this report documents is that banking’s transformation problem isn’ttechnical, financial, or competitive. It’s cultural. The industry is trapped between what This report provides the data, the analysis, and the recommendations. What it can’t offer isthe leadership courage to act on them. That part is up to you. Thank you to Q2, who continues to fund this important research. Jim Marous 2026 RETAIL BANKING TRENDS AND PRIORITIES Turning Priorities Into Progress in 2026 When you consider the pace of change in retail banking, it’s clear that keeping up is nolonger enough. The real challenge for leaders today is sustaining growth while simultaneouslymodernizing experiences, building trust, and lowering the cost to serve. For those That’s why theRetail Banking Trends and Prioritiesreport has become a valuable annualtool for leaders guiding retail banking strategy. In a highly competitive environment, it helps We’re grateful to the hundreds of financial institution leaders who participated in the 2026survey. This candid input is what makes the report credible and valuable. We’re also glad toagain collaborate with industry expert Jim Marous on the research, which is enhanced by his Accelerate Transformation: The Power of Partnership In the report, a critical theme emerges:Innovative partnerships are more important thaneverin delivering the digital transformation required to grow and thrive long-term. While goals may vary, top institutions of every size succeed today by leveraging fintechpartnerships that differentiate their brands and accelerate results. Together, they’reimproving onboarding and time-to-value, increasing engagement and retention, modernizingpayments and fraud protection, and reducing operational friction. Increasingly, they’re doing To add even more real-world context, we’ve included perspectives throughout the report fromfintech leaders in theQ2 Innovation Studiopartner ecosystem, bringing more color to the For more than two decades, banks and credit unions have trusted Q2 to support their digitalstrategies. The trends and priorities revealed in this research mirror what we hear from themore than 1,400 institutions Q2 works with every day. Together, we’re solving challenges andexecuting strategies that drive progress. I invite you to dig into the report to pressure-test your roadmap, validate your priorities, andidentify where execution, not strategy, may be holding back progress. Throughout the year,we’ll continue to explore key themes from the research and share deeper perspectives Sincerely, Anthony IannicielloVP, Product Management © 2026 Digital Banking Report. All rights reserved.PAGE 5 2026 RETAIL BANKING TRENDS AND PRIORITIES Contradictions Between