Temenos：2026重塑银行业未来的技术趋势报告：银行各细分领域全景解析（英文版）（27页）.pdf

1、Technology Trends Redefining the Future of Banking An overview across banking segments2Technology Trends Redefining the Future of BankingContentsExecutive Foreword 3Technology Trends 4Retail&Business Banking Trends 8Corporate&Commercial Banking Trends 12Wealth Management Trends 16Payments Trends 20T

2、emenos Value Benchmark 24Meet the Experts 253Technology Trends Redefining the Future of BankingTechnology as a strategic advantageFor banks,operating under pressure is nothing new.High running costs,tight margins and regulatory complexity have long shaped the industry.In this environment,technology

3、has often been viewed as a cost center rather than a value driver.What has changed is the pace of innovation,and the consequences of falling behind.Banks are recognizing that technology is central to their ability to build trust,compete and grow.Those treating technology as a strategic asset are pul

4、ling ahead,those that dont are finding it increasingly difficult to keep pace.This report examines the forces shaping banking across Retail,Corporate,Wealth and Payments.Banks are navigating heightened regulatory scrutiny,escalating cyber threats,rising customer expectations and intensifying competi

5、tion.At the same time,meaningful growth opportunities exist across verticals,but only for banks who can use data efficiently,create real-time insights,and leverage the transformational potential of generative and agentic AI.Many banks are attempting to respond to these challenges and opportunities w

6、ith platforms that were never designed for them.Legacy cores struggle to support modern security standards and real-time decision making.Nearly a third(28%)of legacy banking applications are undocumented,creating hidden operational risk and uncertainty.1 Data duplication is widespread,and batch proc