Payments Leaders Unprepared for 2026 Disruption, Warns ACI Worldwide

Key Terms

m&a financial

M&A, short for mergers and acquisitions, involves one company combining with or purchasing another company to grow, streamline operations, or gain competitive advantages. For investors, M&A activity can signal potential for increased value, new opportunities, or changes in market dynamics, making it an important factor to watch in the business landscape.

rule of 40 financial

The "rule of 40" is a simple guideline used by investors to assess the health of a company's growth and profitability. It adds a company's growth rate to its profit margin; if the total is 40% or higher, the company is generally considered to be performing well. This helps investors quickly gauge whether a company is balancing rapid growth with solid profits, much like checking if a car’s speed and fuel efficiency together are within a safe and efficient range.

stablecoins financial

Stablecoins are a type of digital currency designed to maintain a steady value, often linked to traditional currencies like the dollar or euro. They function like digital cash that offers the convenience of online transactions while avoiding the large price swings common with other cryptocurrencies. This stability makes them useful for investors and users who want a reliable way to store and transfer value without exposure to sudden market changes.

tokenized deposits financial

Digital tokens that represent traditional bank deposits held at a regulated institution, recorded on a blockchain-like system so each token is a claim on the underlying cash. They matter to investors because they can speed up transfers, enable new trading and lending services, and increase transparency much like converting paper money into an instantly transferable digital voucher, while still carrying banking and regulatory risks tied to the issuer.

behavioral biometrics technical

Behavioral biometrics uses patterns in how a person acts—like typing rhythm, mouse movements, touchscreen swipes, or gait—to recognize or verify identity instead of relying only on passwords or fingerprints. Investors care because it can reduce fraud and security costs, create competitive product features, and carry privacy and regulatory risks; think of it as a company adding a canary in the coal mine that alerts to suspicious behavior before damage occurs.

psd3 regulatory

A proposed update to the European Union’s rules for payment services, PSD3 sets new standards for how banks, fintechs and merchants handle electronic payments, customer authentication and sharing of account information. For investors, it matters because it can change who controls payment flows, increase compliance costs or open new markets for technology-driven services — like a new set of road rules that can reshape traffic patterns and winners on a commercial highway.

agentic ai technical

Agentic AI refers to computer systems that can make their own decisions and take actions without needing someone to tell them what to do each time. It's like giving a robot a degree of independence to solve problems or achieve goals on its own, which matters because it could change how we work and interact with technology in everyday life.

digital id wallets technical

Digital ID wallets are secure apps or devices that store and present verified personal credentials — like a driver’s license, passport, or proof of age — in digital form, acting like a single digital wallet for identity and permissions. For investors, they matter because widespread adoption can lower costs and fraud in customer onboarding, enable new digital services and revenue streams, and shift regulatory and privacy obligations for companies that verify identities.

ACI’s Top Ten Payments Predictions for 2026 urges payments leaders to act amid structural shifts in global payments

OMAHA, Neb.--(BUSINESS WIRE)-- Most global payments leaders lack a clear roadmap to navigate the seismic changes coming in 2026 , according to the latest Top Ten Payments Predictions from ACI Worldwide (NASDAQ: ACIW), an original innovator in global payments technology. With AI-driven intelligence, next-gen authentication, new regulatory frameworks, and soaring demand for instant, embedded, and secure payments, the industry is entering an era of structural disruption. However, ACI’s recent report Payments in Transition: Leadership in an era of transformation reveals that only 36% of payments executives have a clear long-term modernization roadmap, leaving many without a strategic vision for transformation.

“In 2026, payments disruption won’t be incremental—it will be structural,” said Philip Bruno, Chief Strategy and Growth Officer at ACI Worldwide. “Real-time is now the baseline, digital assets are entering regulated ecosystems, and AI is transforming every layer of the value chain. Our research is a clear warning: banks must modernize with intent, orchestrate intelligently, and build trust at scale—or risk being left behind.”

1. Banking shake-up: M&A will separate leaders from laggards
M&A activity is set to accelerate in 2026 as banks chase growth in wealth, cards, and new markets. With industry growth remaining at 4–5%, top performers are growing nearly twice as fast, investing heavily in tech, up 8–9% annually, to compete with Big Tech. Only leaders can sustain that spend. The rest? They’ll be looking for suitors. *

2. The rule of 40 is back - and it will reshape the payments landscape
In 2026, growth and margin will matter more than hype. The Rule of 40—revenue growth plus pretax margin above 40%—is returning as the ultimate valuation filter. Those who miss the mark will face consolidation. ACI’s recent report Payments in Transition: Leadership in an era of transformation exposes a harsh truth: 69% of payments executives claim leadership, yet fewer than half invest in innovation, while legacy tech and internal inertia choke progress. The gap between confidence and capability is widening—and investors will punish pretenders. Real leadership will be measured in execution: bold roadmaps, real-time and cloud-ready infrastructure, and talent strategies that turn ambition into sustained delivery.

3. Disruption accelerates, moving from fundamental to structural
Global payment flows are undergoing a seismic shift - driven by tech, regulation, and consumer demand. This isn’t about faster cards any longer; it’s about dismantling old rails and redefining business models.

What’s driving it?

• Tech: AI intelligence, real-time processing, next-gen authentication.
• Regulation: Stablecoin, BNPL, and open banking frameworks reshaping compliance and economics.
• Behavior: Consumers expect instant, embedded, secure experiences everywhere.

The disruption isn’t incremental any longer - it’s structural. Those who adapt win. Those who don’t, get left behind.

4. AI: The margin-multiplayer in payments
In 2026, AI will power every layer of payments—boosting security, personalization, and efficiency. Behavioral biometrics and real-time anomaly detection are strengthening fraud protection, while self-learning models adapt instantly to new threats. At the same time, AI will drive efficiency across core processes - streamlining routing, reconciliation, and liquidity management to handle surging volumes. The differentiator? Governance and training - the evolution of AI in payments will depend as much on how systems are trained and governed as on the technologies themselves.

5. Regulation sparks a new era of convergence
2026 will mark the first signs of meaningful regulatory convergence across payments, as frameworks such as PSD3, digital-asset licensing and operational-resilience rules start to align systems and standards across markets. Compliance is shifting from constraint to catalyst - driving modernization, stronger reporting, and seamless cross-border interoperability.

6. The ‘three horse race’ driving the future of payments: Stablecoins, tokenized deposits, and instant payments
Stablecoins, tokenized deposits, and instant payments are entering a phase of clear differentiation, with distinct use cases emerging across retail, B2B, and cross-border flows. As tokenization frameworks mature and regulated players bring digital money mainstream, these rails will disrupt settlement, liquidity, and customer experience. In 2026, financial institutions will focus on interoperability, resilience, and quantum-safe readiness to ensure new and traditional systems coexist securely as volumes surge.

7. Intelligent orchestration hits the mainstream
By 2026, intelligent orchestration will be a competitive must-have. As payment options multiply and commerce spans more channels and geographies, real-time decisioning will optimize every transaction—balancing cost, speed, risk, and compliance. Institutions that embrace orchestration will unlock higher acceptance rates, frictionless operations, and consistent customer experiences, even as systems grow more complex.

8. New payment rails power financial inclusion across the globe
Instant payments, mobile wallets, and emerging digital-asset rails are unlocking access to financial services worldwide—especially in developing economies. ACI’s Real-time Payments: Economic Impact and Financial Inclusion report reveals an empirical link between real-time payments and financial inclusion, with markets such as Brazil (Pix) and India (UPI) already showing meaningful impact. By 2026, these rails will scale across new geographies, enabling underbanked individuals and small businesses to join the digital economy securely and affordably.

9. Agentic shopping takes off
AI-powered autonomous shopping assistants (not agentic commerce) will become mainstream in 2026, handling product discovery, price comparison, and decision-making - while consumers still finalize purchases. This shift lays the foundation for full agentic commerce. With Gartner forecasting 33% enterprise adoption of agentic AI by 2028, 2026 will be the year businesses will begin adapting their digital strategies to reshape customer journeys in embracing these digital autonomous intermediaries.

10. Trust: The ultimate differentiator
As AI and automation reshape payment flows, trust becomes the defining edge. Institutions must pair speed with security and ensure AI decisioning is transparent, resilient, and explainable. Emerging digital ID wallets will reinforce verification and reduce friction. Providers that combine advanced tech with clear governance and customer confidence will lead in an increasingly automated ecosystem.

Notes to editors:
*Figures according to Gartner’s annual enterprise IT spending forecast for the banking and investment services market

About ACI Worldwide’s Annual Top Ten Payments Predictions
ACI Worldwide publishes its Annual Top Ten Payments Predictions each year, assessing progress against the outlook at the end of the year and introducing a new set of “Top Payments Predictions” for the year ahead.

About ACI Worldwide
ACI Worldwide, an original innovator in global payments technology, delivers transformative software solutions that power intelligent payments orchestration in real time so banks, billers, and retailers can drive growth, while continuously modernizing their payment infrastructures, simply and securely. With 50 years of trusted payments expertise, we combine our global footprint with a local presence to offer enhanced payment experiences to stay ahead of constantly changing payment challenges and opportunities.

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Media Contacts

Pierce Rohrmann | Head of Communications and Corporate Affairs I pierce.rohrmann@aciworldwide.com

Katrin Boettger I Communications and Corporate Affairs Director I katrin.boettger@aciworldwide.com

Source: ACI Worldwide