Citing Accenture's 2026 Banking Trends Report, Forbes points out that the banking industry is entering the era of **Unconstrained Banking**, where stablecoins, crypto assets and tokenized deposits are evolving from pilot programs to large-scale applications, posing substantial competition to traditional banks. The report states that stablecoins are directly competing with bank deposits. Meanwhile, crypto and payment firms obtaining banking licenses, private credit impacting the loan market, coupled with AI-driven financial agents, expose banks to potential restructuring risks involving over $200 trillion in deposit and loan volumes. Accenture forecasts that by the end of this decade, approximately $13 trillion in transaction volume may shift to alternative payment methods. If banks fail to respond effectively, they risk losing billions of dollars in fee income.