Over three-quarters of business and technology pros at banks expect to increase their spending on emerging technologies in the next 12 months, creating the potential for hype and fear of missing out. We identified nine emerging technologies that should be on the list of every bank, either now or later. We then organized them according to when firms can expect ROI. Four of the technologies are on Forrester’s top 10 emerging technologies list: natural language processing (NLP), explainable AI, privacy-preserving technologies, and Web3. Of these, NLP can create significant ROI today. We also included blockchain, conversational AI, low-code, metaverse, and natural language generation.