IBV：2026年全球银行和金融市场展望报告：通证经济中的银行业（英文版）（52页）.pdf

1、IBM Institute for Business Value|Research Insights2026 Global Outlook for Banking and Financial MarketsBanking in the tokenized economy2Modern financial institutions demand modularity,security,openness,AI-driven capabilities,and collaboration on hybrid cloud.At IBM,we empower you to elevate customer

2、 experiences,modernize core banking infrastructures,pioneer innovative payment solutions,and transform enterprise risk management.Learn more at How IBM can help3Contents Introduction The state of banking:improved but vulnerable.6Part one Finding new value in the tokenized economy .13Part two Scenari

3、os for a tokenized 2030.20Part three Different segments,different strategies .25Action guide .384Shanker Ramamurthy Global Managing Partner,Banking and Financial Markets IBM Consulting Tokenization represents a fundamental rewiring of how value moves,how assets are owned,and how financial institutio

4、ns create and capture business value.Its a structural market shift that is advancing fast.By 2030,tokenized assets,stablecoins,and central bank digital currencies(CBDCs)wont be experimental.Theyll be table stakes.The institutions that thrive will be the ones that made hard decisions in 2026 and 2027

5、:decisions about new value streams,business opportunities and risks,core banking systems,modernized computing platforms and hybrid cloud infrastructure,ecosystem roles,governance,and talent.The ones that hesitate will likely find themselves outpacednot just by fintechs,but by corporate and instituti

6、onal clients who will quietly move their capital,trust,and business to platforms built for a tokenized world.Stablecoins are gaining momentum,creating a financial and payment system in which real-world assets will be traded on-chain.Agentic AI is awakening to run financial workflows with full autono