A market in transition

Covering the full range of working capital solutions products, the 2026 report offers insights into how banks are positioning themselves to address emerging challenges.

  • Asset growth is up – confidence is higher 75% of banks reported asset growth over the past 12 months, and 86% expect their books to grow again this year.
  • Receivables retakes the lead Banks identify receivables discounting as the top growth product in 2026 – up from 23% to 29% – as higher rates make working-capital efficiency a strategic priority.
  • Geopolitics has become a tailwind Banks viewing geopolitical risk as a positive growth driver rose from 23% to 60% year on year, as trade fragmentation drives working-capital demand.
  • AI is live in transactions Documentation, credit and risk management, fraud detection and cash reconciliation are the leading AI use cases banks report.
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