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2026 State of Banking Offers Report

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For years, traditional financial institutions have been stuck on one question: what offers should I put in market?

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It's no surprise. The only way to answer it was instinct — watching what competitors announced, guessing at what fintechs were building, listening to what customers said they wanted. With competitive pressure rising and margin for error shrinking, guesswork no longer holds.

So we built the benchmark that didn't exist. 3,016 live offers. 837 institutions. 67 countries. Every offer independently sourced and verified, then classified, scored, and analyzed — mapping what stands out, what's innovative, and where the market is moving.

The headline: a market dominated by rate-based offers, commoditization front and center. But the gaps alongside that finding are where the real story lives. The banks pulling ahead compete on experience and engagement, building offers that do what rate can't.

Gain access to the four-part series, covering the offer landscape, offer innovation, offer appeal, and how the three converge to inform the best offer for a given strategy.

Register today to benchmark your offers strategy against global banking trends.


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