{"id":61921,"date":"2026-03-13T10:50:36","date_gmt":"2026-03-13T10:50:36","guid":{"rendered":"https:\/\/targetintegration.com\/?p=61921"},"modified":"2026-03-13T10:50:36","modified_gmt":"2026-03-13T10:50:36","slug":"technology-trends-reshaping-financial-services","status":"publish","type":"post","link":"https:\/\/www.targetintegration.com\/en_gb\/technology-trends-reshaping-financial-services\/","title":{"rendered":"Technology Trends Reshaping Financial Services"},"content":{"rendered":"

Baringa<\/strong>, the UK-based management consultancy, recently published its Top 10 Technology Trends<\/strong><\/a> reshaping financial services report, and its central argument deserves the attention of every mortgage broker, wealth manager, and credit union operating in the UK and Ireland today.<\/p>\n

The message is direct: legacy technology<\/strong> is no longer just a cost problem. It has become a customer loyalty problem<\/strong>. And the gap between what financial institutions believe they are delivering digitally and what their customers actually experience is widening at pace.<\/p>\n

\"\"<\/p>\n

\n

<\/h2>\n

The Loyalty Gap Is Bigger Than Most Institutions Realise<\/strong><\/h2>\n

Baringa’s research, drawn from surveys of 4,000 UK and US consumers<\/strong> and 400 senior banking executives<\/strong>, found that more than one-third of customers have switched their main bank in the last five years, and digital experience<\/strong> was the primary driver, not interest rates or fees. A further 62%<\/strong> had switched or actively considered switching because their institution’s digital products did not meet their needs.<\/p>\n

What makes this finding uncomfortable is the accompanying executive response<\/strong>. A full 90%<\/strong> of bank leaders believe their institution performs well on digital experience. The gulf between boardroom confidence<\/strong> and customer reality<\/strong> could not be more stark.<\/p>\n

For credit unions and smaller operators, this is not a problem exclusive to the large clearing banks. Three in five UK adults<\/strong> now use mobile banking apps<\/strong> as their primary channel, and the experience benchmark is set not by rival financial institutions but by Amazon, Netflix, and Uber<\/strong>. Customers who find it seamless to hail a car, stream a film, or return a parcel expect the same frictionless experience when managing their mortgage or checking their savings balance.<\/p>\n

\n

<\/h2>\n

Legacy Systems Are Consuming the Budget, and the Strategy<\/strong><\/h2>\n

The structural cause of the loyalty gap is well-documented in the report. Legacy systems<\/strong> now consume more than 75% of IT budgets<\/strong> at many financial institutions, leaving less than a quarter available for innovation, improvement, and the new capabilities that customers are demanding.<\/p>\n

Years of product launches, mergers, regulatory shifts, and hybrid technology decisions have created environments that are complex, siloed<\/strong>, and deeply resistant to change<\/strong>.<\/p>\n

The report notes that this is not simply an inconvenience. Fragmented data architecture<\/strong>, the direct consequence of bolt-on systems accumulated over decades, means that AI<\/strong> remains experimental rather than operational for most firms. Without clean, enterprise-wide data foundations<\/strong>, personalisation at scale<\/strong> is impossible, real-time analytics<\/strong> are unreliable, and the decision-making speed that digital challengers take for granted is simply out of reach.<\/p>\n

\n

<\/h2>\n

Ten Trends, One Overriding Priority<\/strong><\/h2>\n

Baringa identifies ten interconnected technology trends<\/strong> for 2026, spanning AI deployment<\/strong>, data architecture<\/strong>, digital assets<\/strong>, operational resilience<\/strong>, and channel strategy<\/strong>. For a UK and Irish professional audience, three stand out as particularly pressing.<\/p>\n

    \n
  1. \n

    Rebuilding Data Foundations<\/strong>: The shift from fragmented data stores to enterprise-wide data product foundations is the single most important investment a financial institution can make in 2026. Without it, AI adoption remains pilot-stage, regulatory reporting remains manually intensive, and the seamless cross-channel experience that drives loyalty cannot be delivered.<\/p>\n<\/li>\n

  2. \n

    Channel Strategy & the Human Plus AI Balance<\/strong>: Customers want choice, and digital channels are not a replacement for human relationships in complex financial decisions. The institutions that will win are those that deploy AI agents<\/strong> to handle routine queries and transactions, freeing human advisers<\/strong> for conversations that require judgment, empathy, and expertise.<\/p>\n<\/li>\n

  3. \n

    Operational Resilience<\/strong>: As financial services become genuinely 24\/7<\/strong>, the tolerance for outages, processing delays, and system failures is approaching zero. Operational resilience<\/strong> has become a commercial imperative,<\/strong>\u00a0institutions that cannot guarantee always-on service will lose customers to those that can.<\/p>\n<\/li>\n<\/ol>\n

    \n

    <\/h2>\n

    What This Means in Practice<\/strong><\/h2>\n

    Baringa\u2019s prescription for financial institutions is built around three steps:<\/p>\n

      \n
    1. \n

      Define what genuinely differentiates your business from competitors<\/strong>.<\/p>\n<\/li>\n

    2. \n

      Build a modern digital spine<\/strong> using a pragmatic mix of build, buy, and integrate decisions.<\/p>\n<\/li>\n

    3. \n

      Embed continuous change as an organisational habit<\/strong> rather than a periodic project.<\/p>\n<\/li>\n<\/ol>\n

      For mortgage brokers, wealth managers, and credit unions, the Baringa report<\/strong> is a timely prompt. The institutions in your professional networks that are investing in data infrastructure<\/strong> and digital experience<\/strong> today are building the customer loyalty<\/strong> that will define market share in five years’ time.<\/p>\n

      Those still running on systems written before the euro was introduced may find that catching up becomes progressively harder.<\/p>\n

      \n

      <\/h2>\n

      Read the Full Report<\/strong><\/h2>\n

      \u2192\u00a0\u00a0<\/span><\/b>Baringa \u2014 Architecting Loyalty: 10 Technology Trends Reshaping Financial Services in 2026 (November 2025)<\/span><\/a>\u00a0<\/span><\/p>\n

      \u2192\u00a0\u00a0<\/span><\/b>Baringa \u2014 Legacy Tech, Lost Loyalty: Retail Banking Survey (September 2025)<\/span><\/a>\u00a0<\/span><\/p>\n

      \u2192\u00a0\u00a0<\/span><\/b>Baringa \u2014 Why Customer Engagement Is the Next Frontier in Financial Services<\/span><\/a>\u00a0<\/span><\/p>\n

      \u2192\u00a0\u00a0<\/span><\/b>Baringa \u2014 From Vision to Reality: How to Build a Transformative Financial Services Architecture<\/span><\/a>\u00a0<\/span><\/p>\n

      \n

      <\/h2>\n

      Talk To Us Today<\/strong><\/h2>\n

      At Target Integration<\/strong>, we understand the challenges financial services businesses face in today\u2019s ever-changing landscape. Whether you\u2019re grappling with legacy systems<\/strong>, data fragmentation<\/strong>, or AI adoption<\/strong>, we\u2019re here to help guide you through a digital transformation<\/strong> journey that will improve operational efficiency, customer engagement, and future resilience.<\/p>\n

      \ud83d\udce9 Contact us today<\/strong><\/a> to learn how we can help your business unlock its full potential and build a sustainable future through technology.<\/p>","protected":false},"excerpt":{"rendered":"

      Baringa, the UK-based management consultancy, recently published its Top 10 Technology Trends reshaping financial services report, 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