The banking industry is heading into 2026 amid unprecedented disruption, as non-bank competitors, real-time payments, stablecoins and shifting Gen Z expectations intensify the fight for deposits and the data behind them. New research from American Banker, sponsored by Jack Henry™ and based on a survey of bank and credit union leaders, reveals that the payment wars are already underway. They are highlighting where institutions feel most exposed, why payments have become the primary battleground and how deposit losses threaten long-term data, AI readiness and profitability. This white paper outlines practical steps banks and credit unions can take now to compete more effectively in a non-bank-driven ecosystem.
In this peer-based research, you'll discover:
● Why payments are the front line in competition with fintechs and non-banks
● How Gen Z deposit behavior is reshaping banking economics
● Which technologies leaders believe will most disrupt payments in 2026
● Four strategic priorities banks and credit unions must address to win the payment wars