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EMARKETER

Banking Trends to Watch in 2026

How Agentic AI, Stablecoins, Consolidation, Financial Media Networks, and AI Search Will Shape the Coming Year

Report by Tiffani Montez, Grace Broadbent, Sarah Marzano, Minda Smiley  |  Dec 4, 2025

Top Trends to Watch in 2026

Need-to-Know Trends Reshaping the Digital Future

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Table of Contents
Stablecoins will become banking’s next payment rails
Agentic AI will turn mobile banking into a personal financial concierge
Financial services will consolidate for survival—and converge for growth
Financial media networks will acquire shopping surfaces to compete for commerce budgets
Brands will put generative engine optimization strategies to the test
Sources
Media Gallery
About This Report
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.
Topics
Financial Services
Banking
Payments
United States
Table of Contents
Stablecoins will become banking’s next payment rails
Agentic AI will turn mobile banking into a personal financial concierge
Financial services will consolidate for survival—and converge for growth
Financial media networks will acquire shopping surfaces to compete for commerce budgets
Brands will put generative engine optimization strategies to the test
Sources
Media Gallery

Banking is set to enter a new phase of convergence in 2026. From stablecoin rails and agentic AI to consolidation, financial media networks (FMNs), and AI search, financial institutions (FIs) are redefining how money moves, markets connect, and customers discover value.

Here’s what’s in the full report

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5charts

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Table of Contents

  1. Stablecoins will become banking’s next payment rails
  2. Agentic AI will turn mobile banking into a personal financial concierge
  3. Financial services will consolidate for survival—and converge for growth
  1. Financial media networks will acquire shopping surfaces to compete for commerce budgets
  2. Brands will put generative engine optimization strategies to the test
  3. Sources
  1. Media Gallery

Charts in This Report

Banks and Payment Providers Prepare for Stablecoin IntegrationOver One-Third of Consumers Don't Want Banks to Use AI to Improve Their Banking Experience
The Desire for Economies of Scale Is Driving Community Bank M&A ActivityFinancial Media’s Tiny Share of Commerce Media Spend Reveals an Urgency to Evolve, (billions in US financial media network ad spending and % of total commerce media ad spending, 2023-2027)
Budget Constraints and Lack of Expertise Are Among Several Barriers Slowing Adoption of Generative Engine Optimization

authors

Tiffani Montez, Grace Broadbent, Sarah Marzano, Minda Smiley

Contributors

Madan Kumar
Copy Editor
Penelope Lin
Director, Data Visualization
Emma Noyes
Graphic Designer, Data Visualization
Myra Thomas
Matt Torpey
Senior Chart Editor
Emman Velasco
Chart Editor
Julia Woolever
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