In 2026, personal lines insurers will face a market reshaped by changing demand, risk, and consumer expectations. Growth hinges on smarter digital engagement, genAI transformation, richer data, real-time risk insights, and emerging coverage areas.

In 2026, a new financial ecosystem will form around five trends—stablecoins, agentic AI, consolidation, financial media networks, and AI search—blurring boundaries between banking, technology, and commerce.

In 2026, stablecoins, agentic commerce, and AI-driven rewards will reshape the payments industry. Providers need to bet early or risk being sidelined by faster, cheaper, and more intuitive payment experiences.

Thanks to open banking and real-time payments, pay by bank has become a promising card alternative, offering speed, low costs, and security. But US adoption remains limited. This report dives into what’s holding it back and what can boost growth.

Banks are gradually improving speed, control, and transparency in mobile banking—but as expectations rise, incremental updates won’t cut it. Our ninth annual study reveals where real-time innovation can still set new leaders apart.

US proximity mobile payment spending is growing faster than its user base as tapping phones to pay becomes an ingrained habit. Leading wallets must now focus on maximizing usage.

Automation, new commerce models, and a fresh generation of consumers are transforming the rules of connection and creativity. Explore the 11 trends shaping the digital future.

This benchmark covers how ad buyers can calibrate their total media ad spending and budget allocations against the market, and how publishers and solution providers can assess whether their ad revenues align with industry trends.

This benchmark covers how ad buyers can calibrate their digital ad spending and budget allocations against the market, and how publishers and solution providers can assess whether their ad revenues align with industry trends.

AI is reshaping how payment providers attract, serve, and retain customers. Those who act now to integrate AI across the life cycle—from discovery to checkout to support—will gain an edge, while those who wait risk losing loyalty and control.

Fintechs, big tech, and payment players are using genAI to redefine finance. To compete, banks must pair strategic genAI investment with hyper-personalization and human support to earn customer trust and loyalty.

As credit card loyalty wanes, staying top-of-wallet is getting harder for issuers. Our fifth annual study dives into which emerging features will help cash-back credit card programs meet customers' growing expectations.

The digital ad market is splitting into a two-speed dynamic. Retail and a few fast-growing sectors are surging, while others are stalling slightly under regulation, weak demand, and economic strain.

B2B digital ad spending is rising as marketers lean into formats that build visibility and engagement. Video and display are growing faster than search, reshaping strategies to reach decision-makers.

Digital ad spending will continue growing strongly across all industries we track. Retail will remain the biggest, while auto will continue to struggle at the back of the pack.

BNPL payment value and user growth will decelerate in the coming years as the industry matures. But BNPL providers still have a big opportunity to grow their share of retail sales.​

The $106 trillion Great Wealth Transfer is creating new investors who bypass legacy advisors and favor digital tools and alternative assets. To stay competitive, banks must innovate—or risk ceding the future of wealth to nimbler fintechs and robo-advisors.

Digital ad spending will continue to increase across all industries we track. Retail will remain the biggest, but financial services will grow fastest thanks to upcoming regulatory changes.

From AI agents changing customer expectations to banking licenses no longer differentiating financial institutions (FIs) from digital competitors, this report reveals the trends FIs must understand to maintain a competitive edge in H2 2025.

Real-time payments adoption is still in its infancy in the US. But business and consumer demand are increasing, providing a growth opportunity for banks and customer-facing payment providers.

Our exclusive survey, conducted in partnership with MoEngage, reveals how financial services leaders are turning to data and AI to protect relevance, fuel engagement, and unlock growth.

Community banks and credit unions face rising delinquencies, margin pressure, and a disconnect with young consumers. As M&As accelerate, institutions must modernize tech and retain local trust to survive.

Our midyear report revisits the top trends we named in early 2025 to see what’s shaping the market, evolving fast, or fading in the rearview mirror.

Payment processing solutions from major US digital commerce platforms are maturing and capturing a greater share of their retail ecommerce sales. Here’s how five platforms are approaching the payment facilitator (payfac) model to catapult their growth.

As consumers turn to fintechs and payment providers for timely, solution-based support, banks are losing relevance. Staying in the game means shifting from product pushing to customer-led journeys.