As banks and credit unions adapt to evolving business and commercial banking expectations, new research sheds light on where their focus lies. Alkami Technology, Inc., a provider of digital platforms for U.S. financial institutions, has identified key trends shaping the future of banking in 2026. The research indicates that regional and community financial institutions have a significant opportunity to enhance their business relationships as digital capabilities advance. The report, based on surveys from digital banking decision-makers, highlights areas where banks are concentrating their investments and strategies. As clients demand digital onboarding, real-time payments, embedded fraud protection, and seamless integration into workflows, financial institutions must ensure their platforms remain competitive. The top trends identified include the growth of digital onboarding, the transformation of fraud protection into a competitive advantage, the rise of AI-powered relationship management, and the importance of real-time treasury and payment capabilities. Additionally, consumer-grade digital experiences are setting new standards, while API-driven connectivity is integrating banking into business workflows. Data democratization is broadening access to financial insights, mobile-first treasury access is becoming essential, and best-of-breed treasury stacks are replacing generic platforms. Adaptive, role-based treasury platforms are enhancing usability and control. Taylor Adkins, vice president of product management at Alkami, emphasizes that institutions investing in digital platforms will be well-positioned to strengthen client relationships through real-time capabilities and data-driven insights.
What are the top tech trends influencing business and commercial banking in 2026?
