未来100：2026年金融趋势与洞察.docxVIP

FINANCE

2026

AFOCUSONFINANCETHEFUTURE100

Foreword

Thefutureofinanceisaboutmore

thanjustalgorithms.

Aswelooktoward2026,thefinancialsectorissittingatastrangeintersection.Ononehand,wearehurtlingtowardasci-fifuture.

Acommerce(Trend#68globalFuture100report)promisesAI

agentsthatmakebuyingdecisionswhilewesleep,andTherealityinterface(Trend#16globalFuture100report)suggestsphysical

paymentswillsoonbearelic.It’sexciting,invisibleandseamless.

ButdownhereonEarth,inthegrittyrealityofdailylife,theneedforhumanconnectionandcontrolwhenitcomestoourfinancesremainsstubborn.

Inaworlddefinedbyuncomfortablechoicesandeconomic

pressure,weareseeingtheriseofTreatonomics(Trend#61globalFuture100report)–wherepeoplemightnotbebuyinghouses,

buttheyarebuyingsmall,affordablemomentsofjoy.Weare

seeingarewriteofownershiprules,whereSharedluxuryand

Branddemocracies(Trends#80and#35globalFuture100report)provethatforthenextgeneration,accessmattersmorethanthe“normal”(old)definitionofpossession.

Theoldnormalisdead.Thesovereigncreator(Trend#33globalFuture100report)isturningindividualsintoinvestmentvehicles,andGenalphainfluence(Trend#62globalFuture100report)is

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alreadydictatinghouseholdspendingwithadigitalsophisticationthatleavesmosttraditionalbanksplayingcatch-up.

The10trendsoutlinedin“TheFuture100:2026”paintapictureofasectorinflux.FromtheethicalquestionsofNaturalIP(Trend#09globalFuture100report)totheeverydayutilityofLivingloyalty

(Trend#63globalFuture100report),thelessonisclear.

Itiseasytogetseducedbythetech.Butthebrandsthatactasbeaconsin2026won’tjustbetheoneswiththebest