Financial Crimes & Fraud Risk
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Infographic
May 12, 2026

playing to win in the next era of financial services

Strategic Risks, Emerging Opportunities, and the Decisions That Define Growth of Financial Institutions

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Executive Summary

  • You are navigating a widening gap where institutional optimism remains high, but consumer confidence, deposits, and trust are under pressure from economic strain, fraud, and new competitors.

  • At the same time, tokenized money, stablecoins, and rising cybercrime are reshaping payments, deposits, and risk across the industry.

  • By modernizing now, you can protect deposits, strengthen relationships, and compete more effectively for accountholders.


Today’s financial ecosystem is being reshaped by economic pressure, regulatory shifts, and rapidly evolving expectations.

institutional optimism vs. consumer reality

  • Financial institution optimism is near record highs.1
  • Consumer financial confidence has fallen to record lows.2
  • 67% of consumers are living paycheck-to-paycheck.3
  • The CFPB announced they’re stepping back from supervising non-bank fintechs.4
  • Non-bank fintechs and payments companies are pursuing national trust bank charters.5

stablecoins and tokenized money: risk or opportunity?

  • 42% of CFOs are exploring or using stablecoins for faster, cheaper B2B cross-border payments.6
  • U.S. financial institutions could lose up to $1.7T in deposits over the next two to three years.7
  • Tokenized deposits and deposit tokens enable 24/7 programmable payments and atomic settlement while keeping funds within the regulated banking system.
  • The viability of tokenized payments will hinge on GENIUS Act regulations clarifying yield and operational standards.

cyber-enabled financial crime reaches record levels

  • $13.7B lost to cyber-enabled financial crime, primarily driven by investment scams and BEC.8
  • $12B+ in consumer fraud losses in 2024, up from 14% YoY.9
  • 38% of reported fraud victims lost money, up from 27% the prior year.10

Jack Henry® 2026 Strategy Benchmark top CEO concerns11

The chart below reflects the top responses to the question: Over the next two years, what are your top three concerns?

Top Three Concerns

 

Talent acquisition/retention

32%

Deposit attrition/displacement

32%

Acquiring younger accountholders (Gen Z/Alpha)

27%

Fraud losses

27%

Cyberattacks

27%

*Results shown reflect top percentage of findings only.

Regardless of how regulation evolves in 2026, modernizing your technology now will position you to adapt and empower you to respond faster to market shifts, tokenized money adoption, and escalating fraud and cybersecurity threats.

Sources
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