[DigitalToday reporter Chi-gyu Hwang] Forbes, citing Accenture's 2026 Banking Trends Report, reported that an era of 'unconstrained banking' has arrived as the traditional banking industry moves to large-scale applications involving stablecoins, crypto assets and tokenized deposits.
The report forecast that the shift will bring direct competitive pressure on existing bank deposit and lending businesses.
Accenture analysed that stablecoins are competing head-on with traditional deposits, while moves by crypto and payments companies to obtain banking licenses and the impact of private credit on lending markets are increasing structural risks in deposit and lending markets.
The report said those risks could affect about $200 trillion in existing bank assets.
The report also forecast that the spread of alternative payment methods alongside AI-based financial agents could shift about $13 trillion in transaction volume away from traditional payments to other means as early as the late 2030s.
Chi-gyu Hwang
delight@d-today.co.kr