For our 2026 Trends report, we gathered insights from senior leaders at 10x Banking and partners across the industry to reveal what’s next. The signal is clear: after years of incrementalism, banking is entering a phase of accelerated, structural change.
Read on for a summary below or dive into the full report to explore the strategies and perspectives shaping the next era of banking.
2026 won’t be about small steps, it will be about structural shifts that redefine how banks compete.
Tom Bentley CRO at 10x BankingResilience and compliance by design
Resilience must be built into the architecture, not bolted on later.
Katherine Yeung Chief Risk Officer at 10x BankingIn practice, this means preparing for a tougher regulatory and operating environment. From the EU AI Act to Vietnam’s Law on Personal Data Protection, the direction is clear: build real‑time risk visibility, assure critical third parties and supply chains, and strengthen explainability and data lineage. ESG scrutiny is rising too – pushing banks to embed climate and sustainability into operational planning so resilience becomes a driver of trust and growth.
Our partners are seeing the same forces at play.
As regulatory complexity intensifies and the pace of change increases, banks will need to leverage AI to monitor, interpret, and implement regulatory updates in real time.
Mathias Faure Chief Product & Technology Officer at audaxIntelligence and engagement
The bottom line
2026 is a defining year. Modernization, resilience, compliance automation, and intelligent engagement are converging. The institutions that win will treat governance as an accelerator, embed AI into their operating model (not just channels), and build for real‑time from the core out. The full report lays out the architectural patterns, regulatory watch‑list, and partner plays that will separate leaders from laggards.
Read the full 2026 Trends report to explore the forces reshaping banking and the strategies that matter now.
