Summary
In 2026, AI will continue to transform financial services, reshaping how consumers engage, how firms operate, and how competition unfolds. Despite trust concerns, generative AI (genAI) usage is rising fast — including in financial decisions — while AI agents and tools are streamlining operations and modernizing legacy systems. Vibe coding and modular architectures are powering a new wave of digital banking upstarts keen to disrupt the industry — though few of them will succeed. This report outlines our 2026 predictions for banking and investment to help leaders navigate the current uncertainty.
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