To answer these questions, Economist Impact surveyed 1,700 senior banking executives to identify the most pressing trends and challenges facing global banking over the next decade, and to understand how those priorities are shaping the now and the next. While outliers and surprises will always exist, the results of this study reveal broad alignment. Banks recognise the shifts that demand their focus and are strengthening foundational frameworks, evolving existing infrastructure, adopting and innovating with new technologies, upskilling talent, and tapping into the agility of strong vendor and partner ecosystems. Stability, resilience and transparency are critical, because at the centre of everything lies the customer relationship—the most fragile and powerful influence of all. That relationship can only be sustained and grown through a clear demonstration of customer centricity underpinned by a strong foundation of trust.