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.

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.

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.

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.

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.

GenAI gives banks unprecedented tools to create a more personalized experience for their customers, but some use cases are easier to implement than others.

Mass affluent consumers are a $177.2 trillion global market that banks have struggled to serve. Now emerging technologies are finally enabling them to capture this lucrative demographic.