Challenges and Opportunities for Banks in 2026
November 30, 2025
Banks are facing several challenges in 2026, including the need for investment in technology and improvement in cybersecurity. Customers are expected to benefit from falling interest rates, making both new loans and reductions on older loans more favorable. The European Central Bank (ECB) has lowered interest rates, and expectations for further decreases are limited. Additionally, instant payments are set to become faster and more secure, aiming to streamline daily transactions. This transition is crucial for enhancing the customer experience.