Stay informed as the U.S. banking sector continues to evolve amid economic uncertainty, regulatory transformation, and rapid technological advancement.
The Quarterly Insights: Financial Services report provides crucial analysis for institutions navigating digital transformations, regulatory updates, and market shifts. In our Q4 2025 update, we explore the increasing importance of digital assets and tokenization in finance, the impact of artificial intelligence (AI) innovations, and significant regulatory changes in the U.S. and internationally that are shaping the upcoming year.
Learn about the trends in financial services, compliance needs, and risk factors your organization should prioritize to help you stay competitive and prepare for what’s next.
Key Insights at a Glance
Digital Assets Move Into the Mainstream
- Stablecoins and tokenized assets are becoming everyday realities.
- Institutions are experimenting with blockchain settlement systems as new regulatory frameworks develop.
AI Becomes Foundational
- AI is revolutionizing fraud detection, compliance automation, customer service, and investment operations.
- Organizations that update their data and governance frameworks stand to benefit significantly.
Tokenization Reshapes Market Infrastructure
- Real-time settlement and enhanced transparency are possible with tokenized securities, increasing access for investors.
- However, there are still important legal and operational challenges to address.
Regulatory Landscape Shifts Toward Clarity & Transparency
- U.S. agencies are advancing reforms in areas like AML, deposit insurance, and digital asset oversight.
- Initiatives, like the GENIUS Act, aim to bring structure to the fast-evolving digital asset landscape.
International Regulators Prioritize Simplification & Resilience
- Regulatory bodies in the EU and U.K. are working to streamline regulations and bolster resilience in preparation for a digital finance future at scale.
- Global coherence is becoming a key theme, especially concerning AI, sustainability, and digital assets.
What This Means for 2026
- Institutions that prioritize technology investments, enhance governance, and adapt to changing regulatory demands will be better positioned for success.
- A focus on risk management, liquidity planning, and strategic upgrades will be essential to thrive in the year ahead.
How Forvis Mazars Can Help
In the heavily regulated banking industry, leaders face more challenges than ever, from striving to meet shareholder and regulatory expectations to pursuing digital innovation. Forvis Mazars can help your financial institution tackle issues inherent to the industry, including market growth, internal control threats, industry consolidation, and compliance. We have the skills and experience in financial services that you can trust, combining a focus on Unmatched Client Experience® with the resources of a global firm. Serving you is our passion and privilege.
If you have any questions or need assistance, please reach out to a professional at Forvis Mazars.