Bank Director's 2026 Technology Survey: Banks Feel Heat From Growing Field of Competitors
Bank Director released its 2026 Technology Survey, sponsored by Jack Henry & Associates, and for the first time community bank leaders ranked fintechs ahead of big national banks as a competitive threat — 58% cited fintechs like Block and PayPal versus 48% for big banks. The survey also found 70% of banks have no strategy for reaching Gen Z accountholders and only 10% have a stablecoin strategy, even as GENIUS Act stablecoin rules must take effect in January 2027.
Key figures
- Jkhy client count
- 7200
- Neobank concern pct
- 40
- Agentic ai usage pct
- 30
- No gen z strategy pct
- 70
- Fintech top threat pct
- 58
- Stablecoin strategy pct
- 10
- Big banks top threat pct
- 48
- Stablecoin rules effective
- January 2027
- Tokenized deposit strategy pct
- 7
- Local banks credit unions top threat pct
- 61
AI analysis
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AI-generated analysis of a public disclosure. Not investment advice; verify against the original document.