Financial Services Trends 2026: After a flat 2025, financial services sees a 2x revenue hit in 2026
MUMBAI, India, February 12, 2026 /PRNewswire/ — Netcore launched today Financial services trends 2026a new thought leadership report examining how banks, fintechs and insurers are reshaping growth as artificial intelligence moves from experimentation to execution.
Netcore Financial Services Trends 2026: Agent Marketing Marks Next Growth Shift for Financial Services in India
The report concludes that while AI expanded rapidly across financial services in 2025, significant growth lagged. AI pilots multiplied, personalization tools expanded, and digital channels increased, but fragmented execution, static customer journeys, and the erosion of trust diluted the real impact.
As the industry enters 2026, the report identifies an inflection point. The competitive advantage will be transferred to organizations that implement AI agent towards real-time customer engagement, moving beyond insights and recommendations towards autonomous and governed action.
“2025 taught financial services leaders a hard truth: intelligence without execution does not drive growth.” saying Rajesh Jain, Founder and CEO of Netcore. “Agent marketing represents the next phase where AI is trusted to act within clear boundaries, journeys adapt in real time, and growth is achieved through relevance, continuity and trust, not volume.”
According to the report, 2025 was not a year of failure for financial services, but an eye-opener. The leaders discovered that wearing More tools, more messages, more channels did not guarantee better results.
Five assumptions were quietly broken:
AI adoption does not equal executionsince most systems remained advisory in nature.
Digital innovation increased complexitywhich often adds friction with the customer.
Personalization Failed to Improve Engagementsince the relevance depended on the moment and the intention.
Omnichannel strategies lacked continuitybreaking journeys across touchpoints.
Acquisition-driven growth weakenedas value was lost during onboarding and early engagement.
Together, these lessons exposed a deeper truth: Engagement models were created for a slower, simpler world.
Five trends that will shape financial services in 2026
The report outlines five structural changes that redefine engagement, trust and growth across financial services.
Marketing gets its first autonomous brain AI goes from co-pilots to decision makers. Agent systems execute best actions in real time within predefined security and compliance barriers, enabling faster responses and scalable relevance.
Intent-based experiences replace digital noise Engagement is aligned to live customer intent rather than static segments or timelines. Fewer messages, better timing, and strategic silence preserve attention and trust.
Journey Orchestration becomes the new battlefield Leadership moves from omnichannel presence to continuity. Context, intent and story travel with the customer, allowing journeys to resume seamlessly across marketing and service.
Trust becomes a designed experience As AI-powered actions increase, trust is built through explanations, reassurance, and visible customer control, especially during high-risk moments.
Activation emerges as the main driver of growth Since acquisition costs increase, growth is determined after registration. Onboarding evolves into guided activation journeys focused on accelerating customers to their first moment of value.
Brands that are the first to adopt these trends.
Bajaj Markets: 17% ↑ Lead in-app conversions by making agent content decisions at scale
Axis Max Life Insurance: 5x CTR through Intended Scheduled Renewal Experiences
Shriram Finance: 171x ROI by orchestrating continuous, context-driven funnel journeys
Navia – 48% ↑ App sessions building trust with educational and guided in-app experiences
The report concludes that financial services growth in 2026 will be driven by Precision over scale, continuity over channels and confidence over frequency.. Institutions that embed intelligence into execution, build trust into experiences, and prioritize activation over acquisition will outperform their peers in an increasingly competitive and regulated landscape.
“The next wave of growth in Indian financial services will not come from further outreach, but from a narrowing of the gap between intention and action.” saying Rajesh Jain, Founder and CEO of Netcore.“Agent marketing gives institutions the ability to respond in real time, organize trips with continuity and build confidence into every decision, turning AI from an analytical layer into a true growth engine.”
In the era of Agentic Marketing, growth is no longer about doing more; It’s about acting better, at the right time and with the right intention.
Read the full report here – LINK
About Netcore
Netcore is a leader agent marketing platform that helps brands create omnichannel and personalized customer experiences at scale. Powered by AI, Netcore’s Customer Engagement Suite enables companies to unify customer data, activate intelligent segments, and orchestrate meaningful interactions across the customer lifecycle. Confident for more 6,500 brands worldwide Across e-commerce, retail, banking and financial services, media, entertainment and travel, Netcore Cloud works with leading companies such as Walmart, Unilever, Tommy Hilfiger, Domino’s, McDonald’s, Pizza Hut and Crocs. Netcore Cloud is valued at ISACA CMMI® Level 3 by Equalitas Certifications Limited, underlining its commitment to process excellence. For more information, visit netcorecloud.com.
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