Banking is entering a structural break, not another cycle of incremental change. Rising risk from shadow banking, pressure from digital challengers, and geopolitical fragmentation have turned resilience, trust, and strategy into core survival issues.

At the same time, AI, new payment rails such as stablecoins, and emerging quantum risks are reshaping how banks operate and compete. This report examines how bank leaders can adapt governance, culture, and capabilities to remain trusted and relevant in a profoundly transformed financial system.

Readers will discover:

• A perspective that combines academic rigor with insights from senior practitioners across global banking groups and leading technology firms.
• A clear view of what the bank of the future will look like, and how leading organizations are already building it today.
• Practical insights and guidance to help incumbent banks move decisively and remain competitive.