2026年银行业报告_85页_3mb

Unconstrained Banking Summary

Core Content

"Unconstrained Banking" is a report by Accenture that outlines the future of the banking industry, emphasizing how traditional constraints such as technology, structure, and risk are being dismantled. The report highlights six key trends that are reshaping the banking landscape: the future of money, experience, work and talent, technology, risk and regulation, and competition. These trends are driven by advancements in generative AI (gen AI), agentic AI, digital assets, and new business models, which are enabling banks to offer smarter, more efficient, and more customer-centric services.

Main Points

1. The Future of Money

• Digital currencies (stablecoins, CBDCs, tokenized deposits) are poised to redefine how money is stored, moved, and used.
• Stablecoins are gaining significant traction, with transaction volumes reaching $10.7 trillion in 2025, showing 88% year-on-year growth.
• CBDCs are being explored by 135 countries, though only three have launched. They offer state-backed, legal-tender status and can reduce transaction costs and private-issuer risk.
• Tokenized deposits act as a bridge between blockchain and traditional banking, enabling faster, cheaper, and more transparent transactions while preserving banks' role in money creation.
• AI and digital money are converging to create programmable money, which can act, decide, and optimize on its own, reducing disputes and improving working-capital efficiency.
• Agentic money is the next stage, where AI agents manage and optimize funds automatically, acting on behalf of users based on pre-defined rules.
• Customer demand for digital currency wallets is strong, with 69% of corporate clients expressing interest, but only 37% of financial institutions recognize this demand.

2. The Future of Experience

• Customer expectations are evolving with the rise of AI and GPT-powered conversational interfaces, similar to the shift seen with the advent of digital banking.
• AI assistants are becoming a key part of the customer experience, with 86% of consumers trusting their main bank to deliver smart AI assistants.
• Agentic AI is expected to become mainstream within three years, with 57% of business leaders anticipating its adoption.
• Customer intent is central to designing effective digital experiences, requiring banks to understand and adapt to real-time needs and preferences.
• Branches will continue to play a role in building trust, but their form and function will evolve to complement digital experiences.

Key Information

Trend 1: The Future of Money

• Digital currencies are transforming the way money is handled, with stablecoins leading in transaction volume.
• Tokenization is being widely explored, with 87% of financial institutions considering it as a complementary tool.
• Programmable money is enabling automation in payments and treasury, as seen in Siemens' collaboration with J.P. Morgan.
• Agentic payments are becoming more common, with 35% of consumers willing to let AI make purchase decisions.
• Fraud risk is increasing due to the expansion of digital currencies and AI systems, with 78% of financial institutions expecting a significant rise.

Trend 2: The Future of Experience

• AI integration is key to delivering seamless, personalized, and real-time customer experiences.
• User trust in AI-driven banking is high, with 86% of consumers trusting their main bank's AI assistants.
• Customer control is a critical concern, with 82% of consumers wanting to approve each action and 79% wanting a one-tap pause.
• Conversational interfaces are becoming a standard, with banks like Starling Bank offering advanced AI features.
• Banks must blend AI-driven interactions with human touch and physical presence to meet evolving customer needs.

Actions for Banks

• Define a digital currency strategy by identifying the bank's role (issuer, custodian, facilitator) and building partnerships.
• Upgrade core systems to support blockchain, distributed ledger, and stronger cybersecurity, enabling smart money.
• Focus on customer intent by analyzing needs at a segment level and tailoring solutions accordingly.
• Embrace agentic payments by building secure, AI-ready payment foundations that allow for autonomous financial decisions.
• Collaborate with fintechs, central banks, and regulators to shape standards and share costs in the evolving digital currency ecosystem.

Conclusion

The banking industry is entering a new era where constraints are being removed, and the possibilities for innovation and transformation are vast. Banks that proactively adapt to these changes by leveraging AI, digital currencies, and modern payment systems will be well-positioned to lead in the future of finance. The report serves as a guide for banking leaders to rethink their strategies and prepare for a world where money is smarter, experiences are more personalized, and the boundaries of what is possible are expanding rapidly.