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Key insight: Fintechs are threatening bank share of B2B commercial cards. 
What’s at stake: A market that totals more than $4 trillion. 
Forward look: Travel and fleet cards are an emerging opportunity. 
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Key insight: Citizens Financial Group rolled out a digital banking center for college-bound students and their families.
What’s at stake: The portal is one way the bank is trying to harness relationship banking as a way to drive more business.
Expert quote: “We’ve shifted … to a mindset that’s more holistic,” a Citizens executive said.
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Key Insight: A higher volume of litigation necessitates the hiring of more defense and appellate counsel.
What’s at Stake: A shortage of attorneys could delay rulemakings and weaken the agency’s defense in federal courts. 
Supporting Data: By some estimates, about 500 employees have left the agency since the Trump administration took over and Vought told employees to “stop working and stand down.” 
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Key insight: The bill would raise the deposit insurance limit for some business accounts to $10 million, halving the previous $20 million proposal. 
Forward look: The Independent Community Bankers of America support the bill, easing its path to passage. 
What’s at stake: The bill would likely compel large banks to pay for the increased deposit insurance premiums the bill would entail Large banks, under this bill, are likely to reap none of the benefits, but end up paying for the proposed changes. 
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Key insight: JPMorganChase saw strong dealmaking and trading boost profits in the third quarter.
Forward look: The company left guidance for net interest income and expenses materially unchanged.
Supporting data: The company’s investment banking fees rose 16% from the prior year, to $2.6 billion.
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Where is banking headed in 2026? Share your take.

From the rapid rise of AI to ongoing political and economic uncertainty, many forces are poised to shape the banking landscape in 2026. Share your predictions for the year ahead by taking this 5- to 10-minute survey. Your insights will help inform American Banker’s coverage of how industry leaders see the year unfolding. All responses will remain confidential and be used solely in aggregate for research.