德勤（Deloitte）：2026年银行业及资本市场展望报告（英文版）（32页）.pdf

1、2026 banking and capital markets outlookThe year ahead will likely demand bold choices as banks balance macro headwinds,AI ambition,and the potential disruptive entrance of stablecoinsDeloitte Center for Financial ServicesTable of ContentsIntroductionSustaining growth while balancing optimism and ca

2、ution in 2026Banks brace for potential deposit disruption while assessing stablecoin opportunitiesFive steps banks should consider to move beyond isolated AI projectsRedoubling the commitment to a modern,AI-ready infrastructureBanks should embrace a more dynamic and tech-enabled approach to fighting

3、 financial crimeEndnotesContacts23 7 11 15 20 252812026 banking and capital markets outlook|Introduction How could the macroeconomic realities in 2026 impact the banking and capital markets industrys revenues and profitability?What does the disruptive entrance of stablecoins mean for banks and payme

4、nt firms?What should banks do in 2026 to industrialize AI at scale?Will some banks AI ambitions be thwarted by their brittle and fragmented data infrastructure?Can banks defenses keep up with the increasing speed and sophistication of financial crime?Introduction2026 appears to be shaping up as a de

5、fining year for US banks.Macroeconomic uncertainty,diverging consumer sentiment,and persistent inflation could test banks revenues and profitability,even as strong capital positions provide resilience.Banks could be forced to defend margins,diversify fee income,and prepare for increased competition

6、from nonbank entities.The payments landscape also seems to be at a crossroads.Stablecoins,backed by the new Guiding and Establishing National Innovation for US Stablecoins Act legislation,could impact deposit flows and challenge traditional payment rails.Banks should decide whether to issue,custody,