Deya Innab, Deputy CEO at Eastnets, examines how the convergence of technology, payments innovation and regulatory pressure will reshape the meaning of trust in 2026.
The past year saw significant changes occur across the financial sector. AI became deeply embedded in day-to-day work, digital currencies moved from the margins toward mainstream pilots and trade networks faced greater scrutiny as sanctions regimes fluctuated. The shifts we saw throughout 2025 have simply altered the foundations on which risk is managed.
As we move into 2026, these developments will evolve further, becoming the conditions under which financial crime, payments and compliance must now operate. The challenge for institutions is to not only understand what has changed, but what those changes set in motion for the wider financial landscape. And more importantly, what it takes to adapt.
1. AI will go from “powerful” to “prove it”
AI has played a growing role in financial crime and compliance over the past year, supporting tasks like alert triage, transaction monitoring and sanctions screening. But while these tools have boosted efficiency, they’ve also exposed a gap: many institutions still cannot fully explain how their AI-driven decisions are made.
In 2026, that gap will become a regulatory priority. Following the European Banking Authority’s (EBA) and EU-level supervisory warnings about the risks of improper use or poorly understood RegTech tools, regulators are set to demand a higher standard of transparency from AI systems used in AML and sanctions monitoring. The question will, therefore, shift from “Is the model effective?” to “Can you show why it reached this conclusion?”.
This makes explainability the defining feature of next-generation compliance technology. Models will need to be auditable, interpretable and documented in a way that allows institutions to justify outcomes, challenge anomalies and maintain meaningful human oversight. And in 2026, institutions must have the tools in place to be able to prove the reasoning behind AI decisions, not just the efficiency of the output.
2. Payments integrity will define competitive advantage
Instant payments are now an established norm, but 2026 will be the year the industry evolves from not just how fast payments can move, but also how safely. As ISO 20022 becomes increasingly embedded across global payment systems, regulatory scrutiny will sharpen around the integrity of each transaction.
Fraud prevention, sanctions screening and anomaly detection must all operate at the same speed as the payment itself – while also across multiple domestic and cross-border rails. The ability to identify risks early, apply controls consistently and maintain resilience without adding friction becomes essential.
In this environment, the integrity of the payment itself becomes the defining measure of performance; not simply its speed, but the confidence that it has moved as intended, without compromise or hidden risk. In 2026, the real measure of payments innovation will be the strength of the safeguards that underpin it.
3. Trade finance will become the next AML battleground
The past year has placed global trade in one of its most volatile periods in decades. Geopolitical tensions have redrawn supply routes, sanctions regimes have expanded at speed while controls on dual-use goods have tightened under new Financial Action Task Force (FATF) guidance. But what these shifts have brought to light is how traditional, document-based trade finance checks simply can’t keep pace with the complexity of today’s risk landscape.
In 2026, this pressure will push trade-based money laundering (TBML) and wider trade-based financial crime (TBFC) to the forefront of regulatory focus. Supervisors expect banks to move beyond static paperwork and build a far deeper understanding of what’s actually happening across the movement of goods. This means analysing vessel behaviour, trade corridors, cargo data, ownership structures and price anomalies – the indicators that reveal sanctions evasion and illicit flows hidden within legitimate transactions.
This, however, requires a fundamental change in how trade finance must operate. Institutions will need unified intelligence that connects value, goods and physical movement, allowing them to spot discrepancies early and gain visibility across the entire trade lifecycle.
4. Crypto and FinTechs will face a ‘compliance reckoning’
The past year saw digital assets move into the mainstream. Stablecoins gained traction as payment instruments, tokenised deposits entered early pilots and a new wave of FinTechs accelerated their digital-currency offerings to keep pace with customer demand. But this rapid expansion has exposed an imbalance: adoption has moved faster than the safeguards built to protect it.
In 2026, that imbalance will become a priority for regulators. As MiCA’s supervisory requirements continue to settle and national frameworks tighten, crypto-asset service providers (CASPs) and FinTechs will face heightened expectations around AML resilience. Regulators will expect operational maturity, with risk-based onboarding, traceable transaction flows and continuous monitoring forming the baseline rather than the aspiration.
This marks the sector’s inevitable compliance reckoning. Many firms moved quickly in 2025 to bring digital-asset products to market, and in 2026, many will need to strengthen — or in some cases retrofit — the controls that weren’t prioritised during the initial rush. Those that lead will be the ones embedding safeguards into the foundations of their digital-asset ecosystems, making sure compliance operates at the same pace as innovation.
Ultimately, no digital payment method, from stablecoins to tokenised deposits, can scale sustainably without strong, transparent and unified safeguards at its core.
5. Trust will become the defining differentiator
As we move into 2026, the pressures reshaping the financial landscape essentially converge into a single defining theme: trust. It’ll become the competitive frontier. As systems grow faster and more interconnected thanks to technological advancements, the ability to demonstrate integrity across every layer of financial operations will matter more than the technology itself.
This shift is driven by rising expectations on all sides. Customers expect greater transparency; regulators demand clear evidence; and collaborators or third-party partners rely on consistent, reliable safeguards. Institutions that can show how decisions are made, how risks are managed and how controls operate in real time will command greater confidence, and in many cases, a clearer advantage.
It’s a change that’s cultural as much as it is technological: trust is something that must be built into systems from the outset, not layered on afterwards. That shift will provide something concrete organisations can build on. Because when safeguards, data and decision-making are connected across the organisation, trust becomes measurable, and therefore, scalable. In 2026, that will be the real differentiator. As innovation accelerates and risks evolve, institutions must be able to prove not only how advanced their systems are, but how trustworthy they really are.
The thread that ties it all together
Across AI, payments, trade and digital assets, the forces shaping 2026 point to the same conclusion: the future of financial systems will be determined not by how quickly they evolve, but by how responsibly they’re built.
The institutions that lead will be those that treat safeguards as part of the architecture, not an add-on; embedding transparency, explainability and resilience into every layer of decision-making. This is the clarity needed to operate securely in an increasingly complex ecosystem. In the year ahead, as regulatory expectations rise and the digital landscape evolves further, institutions will be judged not only by their capabilities, but by the trustworthiness of the systems behind them.
