LIPOSONLINE.COM – The global banking industry is entering a new era in 2026, driven by artificial intelligence (AI), Central Bank Digital Currencies (CBDCs), stablecoins, and intensifying competition for customer deposits.
According to Accenture’s latest report, banks must fundamentally reinvent their business models or risk becoming irrelevant in the rapidly evolving financial ecosystem.
Banking Enters a New Era in 2026
The banking sector, both in Indonesia and globally, is undergoing one of the most significant transformations in its history.
Three powerful forces are reshaping the industry:
• Artificial Intelligence (AI)
• Digital Money (CBDCs, Stablecoins, and Tokenized Deposits)
• Increasing Competition for Customer Deposits and Lending
Traditional banking boundaries that defined the industry for decades—including legacy technology, manual operations, and rigid organizational structures—are rapidly disappearing.
According to Accenture, incremental improvements are no longer enough. Banks must redesign their core business models, rethink risk management, and develop new strategies to retain deposits and lending customers.
Tri Hindriasari, Banking Lead at Accenture Indonesia, explained that banking has entered a new era where technological barriers are collapsing.
The combination of Generative AI, Agentic AI, digital assets, and emerging business models is not merely changing how banks operate—it is fundamentally redefining the entire financial services industry.
The Evolution of Money: From Passive Deposits to Programmable Money
Perhaps the biggest transformation is happening to money itself.Traditionally, money simply moved from one bank account to another. Today, money is becoming programmable.
