Banking executives know their industry is being disrupted. What they don't know is how much of their balance sheet they've already lost control of.

According to Accenture, more than $200 trillion in global bank deposits and loans are now at risk, and that threat isn’t coming from another bank. It’s coming from stablecoins, AI agents that can automatically optimize finances, and platforms that can quickly move cash, often outside the traditional banking system.

Today's guest is Mike Abbott from Accenture. His team's new report on the top banking trends for 2026 reveals some uncomfortable truths. Seventy percent of IT spending still goes to maintaining outdated systems. Margin compression could reduce US bank pre-tax income by 22%. And many of those loyal customers who've stayed with their bank for seven years? The research calls them "lazy loyalists."

The real question for banking leaders isn’t whether this shift is happening, but how much of the balance sheet they’ll still control when it does. Mike joins us to discuss how banks can respond to threats moving faster than their modernization efforts.