This year's TAB Global Excellence in Retail Financial Services Awards 2026 reveals three forces reshaping retail banking
This year's TAB Global Excellence in Retail Financial Services Awards 2026 reveals three forces reshaping retail banking
Lin Yonghua, vice president and chief engineer at the Beijing Academy of Artificial Intelligence
The Future Banking Working Group (FBWG) invites members to an open dialogue session examining DCJPY as a live case study in tokenised deposit infrastructure.
Alex Sun, chief sustainability officer of Envision Group outlines how the convergence of AI and energy systems is reshaping economic stability, competitiveness, and capital deployment by turning variable renewables into reliable industrial power.
Li Meng, professor at the Shanghai Institute of Microsystem and Information Technology at the Chinese Academy of Sciences explains how artificial intelligence and brain-computer interfaces are converging to shift innovation from scaling data to decoding brain signals through new model architectures and compounding data systems.
As agentic AI begins to move from experimentation to execution, banks are confronting how it reshapes workflows and decision-making while exposing new constraints in infrastructure, data, governance and operating models that will define the next phase of transformation.
A correlation analysis across 100 global retail banks in FY25 finds a weak but statistically significant negative relationship between asset size and return on assets. Regional leaders demonstrate that specific business model choices, not balance sheet scale, drive superior profitability.
This year's TAB Global Excellence in Retail Financial Services Awards 2026 reveals three forces reshaping retail banking in ways that go beyond the interest rate cycle: the compression of spread-based income and the drive to diversify revenue; a fundamental reappraisal of the deposit franchise; and the deepening integration of artificial intelligence across banking operations and client engagement.
Top digital banks achieve profitability either through disciplined lending execution or by monetising customer ecosystems, not simply by scaling loan growth.
The top 10 digital banks by pre-tax profit leveraged scale advantages, yet growth varied widely, reflecting differences in strategies, market dynamics and operational priorities.
Chinese and US megabanks generate the largest absolute profits through scale and diversification, while emerging-market banks deliver higher — but more volatile — returns on equity.
China is building a multi rail financial system that supports industrial localisation, strengthens cross-border operations and positions banks at the centre of a new global operating model.
The Future Banking Working Group (FBWG) invites members to an open dialogue session examining DCJPY as a live case study in tokenised deposit infrastructure.
The Future Banking Working Group (FBWG) invites you to our upcoming Open Dialogue Session: "How fintechs are reshaping SME lending", where we will explore the structural barriers for small and medium enterprises (SMEs) in accessing credit, navigating digital payments, and scaling across platforms and borders. As regulatory expectations rise and technology reshapes financial delivery, banks have opportunities to enhance how they serve this high-potential segment.
DeFi has matured from a niche concept into a viable alternative financial architecture, built on principles of automation, transparency, and resilience. Patrick Schueffel, professor at the Fribourg School of Management, highlights how DeFi challenges traditional finance by removing intermediaries and rebuilding trust through code.
For decades, traditional credit scoring has excluded billions in emerging economies. Christo Georgiev, CEO and founder of LenderLink, shares how new behavioural signals, AI models and institutional accountability are reshaping credit decisions and expanding financial access.
The Future Banking Working Group (FBWG) invites you to our upcoming Open Dialogue Session: "The Future of Banking with Tiravat Assavapokee and John Januszczak", where we will explore how digital assets, artificial intelligence and embedded ecosystems are shaping the future of finance in Southeast Asia.
Design thinking is shaping innovation strategy in financial services as institutions seek to improve customer engagement, risk management and operational effectiveness. Sandeep Deobhakta illustrates how banks can apply design thinking across core business functions to drive measurable outcomes.
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| Rank | Bank | Country |
|---|---|---|
| 25 | RBC | Canada |
| 20 | China Merchants Bank | China |
| 5 | JPMorgan Chase | USA |
| 61 | Commerzbank | Germany |
| 43 | ANZ | Australia |
| View Full Top 100 Index | ||
| Rank | Bank | Country |
|---|---|---|
| 1 | ICBC | China |
| 2 | ABC | China |
| 3 | CCB | China |
| 4 | BOC | China |
| 5 | JPMorgan Chase | USA |
| View Full Top 100 Index | ||
| Rank | Bank | Country |
|---|---|---|
| 1 | Nubank | Brazil |
| 2 | WeBank | China |
| 3 | MYBank | China |
| 4 | KakaoBank | South Korea |
| 5 | K-Bank | South Korea |
| View Full Top 100 Index | ||
| Rank | Bank | Country |
|---|---|---|
| 1 | Alipay | Global |
| 2 | Revolut | Global |
| 3 | Global | |
| 4 | Apple Pay | Global |
| 5 | Mercado Pago | Latin America |
| View Full Top 100 Index | ||