INDUSTRY FIN. TECH
NTELLIGEN
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Temenos and Bain identify technology megatrends redefining the future of banking
Temenos, a global leader in banking technology, has unveiled Technology Trends Redefining the Future of Banking, a collaborative industry assessment with Bain & Company, highlighting the trends set to reshape global banking across retail, SME, corporate, wealth and payments.
Based on perspectives from Temenos and Bain, combined with insights from the Temenos Value Benchmark, the report shows banks making decisive shifts. Organizations are modernizing core banking systems in the cloud and improving data structures to support intelligent services. They are also moving from building digital experiences to monetizing them and navigating digital ecosystems beyond traditional finance.
William Moroney, Chief Revenue Officer Temenos, said:“ Technology has become central to how banks earn trust, compete and grow. Those treating technology as a strategic asset are pulling ahead, while others are finding it increasingly difficult to keep pace. This report highlights where value is emerging and outlines the technology decisions shaping the future of banking.”
Joseph Edwin, Partner at Bain & Company, said:“ Banks are entering a decisive period where technology choices will determine competitiveness for years to come. Bain’ s work across the sector shows that the
Technology has become central to how banks earn trust, compete and grow.
winners will be those that modernise the core, adopt cloud-native architecture and build governed data and security foundations that allow AI to scale safely.”
The report highlights five megatrends shaping banks’ technology priorities for 2026 and beyond.
Responsible AI in banking starts with a trusted core, as institutions adopt approaches such as the Model Context
Protocol to securely retrieve data without duplication, strengthening governance and regulatory alignment.
Cloud, SaaS and data mesh underpin the intelligent bank, with adoption accelerating to reduce reliance on legacy systems and address fragmented data, including more than 21 % duplication.
AI agents are transforming corporate banking processes by orchestrating workflows such as compliance checks, deal structuring and documentation, while driving demand for real-time visibility and API-led infrastructure.
Stablecoins are expanding into realworld use cases, becoming increasingly relevant for cross-border payments, liquidity management and wholesale banking flows.
Hyper-personalization is redefining retail and SME banking, with AI and behavioral data enabling real-time offers and deeper engagement, addressing the current average of just 2.59 products per customer. • www. intelligentcio. com
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