The trends reshaping banking are moving fast. The question is whether your technology can keep up.
The banks pulling ahead are doing more than modernizing – they're turning AI, cloud, and real-time data into measurable competitive advantage. Across retail, corporate, payments, and wealth management, a clear divide is emerging between banks that treat technology as a strategic asset and those still catching up to their own legacy systems
This report, developed by Temenos with Bain & Company, maps the forces and trends defining that divide – from agentic AI compressing months of work into minutes, to stablecoins rewriting the payments playbook.
What you'll get:
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A segment-by-segment trends breakdown: Retail, corporate, wealth, and payments each examined through the lens of what's actually driving competitive differentiation right now.
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Data you can act on: Benchmarks from 200+ banks reveal the real performance gaps between leaders and laggards, from admin time to digital origination rates.
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A modernization roadmap grounded in evidence: Understand why progressive, composable core transformation outperforms big-bang replacements and a view into the state of banking modernization today