Accenture’s Top Banking Trends for 2026 signals a pivotal shift toward what it calls “unconstrained banking.”

As generative and agentic AI, digital assets, and programmable money mature, banks are decoupling growth from headcount and legacy infrastructure. But this transformation also concentrates risk: faster-moving transactions, fragmented data, and AI-driven decisioning are stretching traditional control frameworks.

For risk and compliance leaders, the implication is clear. Static, siloed approaches won’t scale. Governance must be embedded into products, platforms, and workflows from day one.

The question for 2026 is not whether banks adopt these models — but whether risk management can keep pace.

Read the key insights here: https://www.accenture.com/us-en/insights/banking/accenture-banking-trends-2026