Banking Identity 2026: Invisible, Agentic, Always-on

Banks no longer need to live that double life. They don’t need to stay paralyzed, rooted in tradition, while running endless pilots that deliver inconsistent experiences in the name of “modernization.”

AI leaves no room for half-measures. It’s forcing banks out of their identity crisis and into something entirely new: invisible, agentic, and always-on. The choice is binary: evolve completely or fade slowly.

This new banking identity quietly blends into everyday life. It anticipates, adapts, and empowers. At its core: agentic AI systems that streamline operations behind the scenes while delivering hyper-personalized, secure, and seamless experiences to customers.

Our 2026 report uncovers the four defining shifts shaping this transformation:

• Agentic Systems Across the Value Chain: AI agents reinvent lending, collections, and operations, boosting credit decisioning by 70–90% and increasing automated approvals by 50%
• Zero-Compromise Security: Post-quantum cryptography, zero-trust architecture, and continuous authentication cut false positives by up to 80% while strengthening fraud defense
• Customer-centric Payments: Context-aware payments, sovereign digital tokens, and biometric authentication reduce customer churn by 40% and deliver deeply personalized engagement
• Nature-positive Banking: Transition finance and autonomous AI portfolio steering shift capital toward greener assets, unlocking over $100B in estimated savings by 2030

Download the complete report to explore how your bank can become:

• Agile & Invisible: Become integrated with diverse applications, and offer solutions with never-before flexibility
• Always-on: Your customers expect anytime-anywhere banking, without friction. Stay armed to serve them proactively
• Responsibly Agentic: Adopt purpose-built agentic solutions, while maintaining trust and explainability