Capgemini’s inaugural World Corporate and Investment Banking Report 2026 reveals 85% of corporate clients intend to partner with non-bank financial institutions within 12 months, driven by demands for real-time responsiveness (58%), personalised engagement (49%) and innovative solutions (40%)—met by only 23% of CIBs currently. Clients cite ERP/treasury integration shortfalls (92%), inflexibility (89%) and analytics gaps (68%), eroding CIB dominance as private capital intensifies.
For CIB boards, decelerating revenue (5.4% CAGR 2026-30 vs. 6.5% prior) signals urgency: innovation yields limited revenue (82%) or savings (51%), with legacy maintenance consuming 43% IT budgets versus 29% for transformation, compounded by 61% compliance burdens. Catherine Chedru-Refeuil, Capgemini CIB Global Head, urges enterprise-grade platforms and partner ecosystems to reclaim agility.
AI Governance and Culture Stall CIB Transformation
Only 26% enforce centralised AI oversight, stalling automation of core processes amid 89% client doubts on AI reliability; conservative cultures (39%) and upskilling shortfalls (40% external hires vs. 23% reskilling) hinder pilots-to-scale transitions. Tokenised products (51% exploration) promise fee streams via digital custody and 24/7 settlement, while real-time treasury (77%) and AI trading (65%) top priorities.
Strategically, CIBs must orchestrate client journeys with data rebuilds, AI-embedded governance and cultural shifts to match non-bank speed, leveraging regulatory trust against transparency deficits in AI outputs.
Roadmap for CIBs to Orchestrate Capability Ecosystems
750 executives surveyed advocate operating model overhauls for seamless journeys, foundational rebuilds for speed and ecosystem partnerships to unlock topline via tokenisation and AI markets. Early adopters will deepen engagement and cut costs; laggards risk client erosion.
For risk leaders, centralised governance, reskilling mandates and pilot scaling frameworks are imperatives to convert 82% innovation frustration into competitive moats amid non-bank ascent.
