Wipfli ：2026年美国银行业状况研究报告（英文版）（44页）.pdf

1、THE STATE OF THE BANKING INDUSTRY Research and outlook for 2026The state of the banking industry 2026|2Rethinking growth.Risk.Readiness.The pace of change has never been faster and the cost of standing still has never been higher.Now in its fifth year,Wipflis state of the banking industry report exp

2、lores how financial institutions are working to grow,modernize and protect their organizations amid new digital realities.Table of contentsExecutive summary Methodology and demographics Market outlook Digital strategy and AI Fraud and cybersecurity Branch strategy People and talent Looking ahead App

3、endix:The raw data357111518222528The state of the banking industry 2026|3This marks Wipflis fifth consecutive year studying executives perceptions of the banking environment.Heres what weve learned:Confidence is highThe financial institution executives surveyed project steady growth in 2026.Two-thir

4、ds(67%)expect asset growth of more than 5%in the next 12 months.Confidence is strongest among those from larger institutions($5B+asset size),where 79%expect growth of more than 5%.Digital dominates priority listsRespondents most important strategies over the next 12 months are digital:data analytics

5、/AI and improving digital engagement ranked at the top,followed by talent management.Participation in banking as a service(BaaS)/embedded banking has also risen sharply 88%of respondents are engaged or planning to engage in these services,up from 66%last year.Wipfli surveyed 345 financial institutio

6、n executives to understand their business outlook,pain points and strategic priorities for the year aheadKey insightsAmong the financial institution executives we surveyed:67%expect asset growth of more than 5%in the next 12 months.88%are participating in or planning to participate in BaaS/embedded