Report
Mambu Predictions Report 2026
Finance is being rewritten by technology, by people, by purpose. In our latest report, our partner and customer experts share their predictions across seven topics that will define the next chapter of financial services in 2026.
AI & the financial revolution
Artificial intelligence has reached a new frontier of capability. Once a support tool, it now learns, decides and operates autonomously. For financial institutions, this marks a new era where intelligence becomes part of the organisation itself.
Transformation in banking
Banking is no longer defined by balance sheets and branches, but by the technology that connects them. As institutions shift from legacy systems to cloud-native platforms, a new model of value creation is emerging.
Payment innovation
Payments are disappearing into the background of daily life. As Embedded Finance expands, payments are evolving from simple transactions into digital moments of connection between people, businesses and ecosystems.
Crypto & blockchain
Blockchain has moved beyond experimentation to become part of modern finance ́s digital infrastructure. Once seen as disruptive, it ́s evolving into the foundation that enables value to move securely and efficiently across global networks.
Islamic finance
Where faith meets finance, a new model of banking is taking shape. Islamic finance is merging timeless principles with modern technology to create systems that are transparent,inclusive and accountable by design.
Compliance & cybersecurity
Trust has become one of the most valuable assets in financial services. Institutions now operate in an environment where technology moves faster than regulation, and resilience, compliance and security must evolve alongside innovation.
Gen Z & Gen Alpha
Each generation reshapes how people connect and create value. Gen Z has changed how we think about money, and Gen Alpha will take that further. As digital-natives, they expect financial services that are fast, personal and purposeful.
AI & the financial revolution
Artificial intelligence has reached a new frontier of capability. Once a support tool, it now learns, decides and operates autonomously. For financial institutions, this marks a new era where intelligence becomes part of the organisation itself.
Transformation in banking
Banking is no longer defined by balance sheets and branches, but by the technology that connects them. As institutions shift from legacy systems to cloud-native platforms, a new model of value creation is emerging.
Payment innovation
Payments are disappearing into the background of daily life. As Embedded Finance expands, payments are evolving from simple transactions into digital moments of connection between people, businesses and ecosystems.
Crypto & blockchain
Blockchain has moved beyond experimentation to become part of modern finance ́s digital infrastructure. Once seen as disruptive, it ́s evolving into the foundation that enables value to move securely and efficiently across global networks.
Islamic finance
Where faith meets finance, a new model of banking is taking shape. Islamic finance is merging timeless principles with modern technology to create systems that are transparent,inclusive and accountable by design.
Compliance & cybersecurity
Trust has become one of the most valuable assets in financial services. Institutions now operate in an environment where technology moves faster than regulation, and resilience, compliance and security must evolve alongside innovation.
Gen Z & Gen Alpha
Each generation reshapes how people connect and create value. Gen Z has changed how we think about money, and Gen Alpha will take that further. As digital-natives, they expect financial services that are fast, personal and purposeful.
AI & the financial revolution
Artificial intelligence has reached a new frontier of capability. Once a support tool, it now learns, decides and operates autonomously. For financial institutions, this marks a new era where intelligence becomes part of the organisation itself.
Transformation in banking
Banking is no longer defined by balance sheets and branches, but by the technology that connects them. As institutions shift from legacy systems to cloud-native platforms, a new model of value creation is emerging.
Payment innovation
Payments are disappearing into the background of daily life. As Embedded Finance expands, payments are evolving from simple transactions into digital moments of connection between people, businesses and ecosystems.
Crypto & blockchain
Blockchain has moved beyond experimentation to become part of modern finance ́s digital infrastructure. Once seen as disruptive, it ́s evolving into the foundation that enables value to move securely and efficiently across global networks.
Islamic finance
Where faith meets finance, a new model of banking is taking shape. Islamic finance is merging timeless principles with modern technology to create systems that are transparent,inclusive and accountable by design.
Compliance & cybersecurity
Trust has become one of the most valuable assets in financial services. Institutions now operate in an environment where technology moves faster than regulation, and resilience, compliance and security must evolve alongside innovation.
Gen Z & Gen Alpha
Each generation reshapes how people connect and create value. Gen Z has changed how we think about money, and Gen Alpha will take that further. As digital-natives, they expect financial services that are fast, personal and purposeful.