The Great BTN Bake (Take) Off — Banking and Payments Trends for 2026: How AI Powers Personalized Rewards and Concierge Banking | The Banking & Payments Show

Behind the Numbers: an EMARKETER Podcast · with Grace Broadbent and Tiffani Montez · January 27, 2026 · 27 min

Summary

This episode projects how AI will revolutionize banking and payments by 2026, focusing on hyper-personalized credit card rewards and the emergence of Agentic AI transforming mobile banking into a personal financial concierge. Ecommerce operators can gain insights into future payment trends and how AI-driven personalization can enhance customer loyalty and create competitive advantages in financial services.

Key takeaways

• AI will enable dynamic, individualized credit card offers based on spending patterns, moving beyond generic reward programs.
• Agentic AI will transform mobile banking into a proactive financial concierge, offering personalized advice, automated transaction management, and budgeting assistance.
• Financial institutions that effectively leverage AI for personalized rewards and concierge services will gain a significant competitive advantage.
• Data privacy and security are crucial considerations for the widespread adoption of AI in banking, impacting customer trust and regulatory compliance.
• The integration of AI across banking touchpoints will reshape customer acquisition, retention, and loyalty, emphasizing hyper-personalization.

Themes

Topics covered

Episode description

Our analysts (or “bakers”) compete in a Great British Bake Off–style episode, discussing how AI will automate credit card rewards personalization and what happens when Agentic AI turns mobile banking into a personal financial concierge. Join the discussion with guest host Senior Director of Podcasts and host Marcus Johnson, Senior Analyst Grace Broadbent, and Principal Analyst Tiffani Montez.Get more insights like these with our free, industry-leading newsletters covering advertising, marketing, and commerce. Sign up at emarketer.com/newslettersFollow us on Instagram at: https://www.instagram.com/emarketer/For sponsorship opportunities contact us: advertising@emarketer.comFor more information visit: https://www.emarketer.com/advertise/Have questions or just want to say hi? Drop us a line at podcast@emarketer.comFor a transcript of this episode click here:https://www.emarketer.com/content/podcast-great-bake-take-off-banking-payments-trends-2026-how-ai-powers-personalized-rewards© 2026 EMARKETER

Related episodes

• Why Founders Have to Become Their Own Best Marketer— OPERATORS
• Bonus: How One Brand Recovered $1.5M in Amazon Sales From Unauthorized Sellers— DTC Podcast
• VC Partner Predicts the Next Billion-Dollar Brand— Future Commerce
• Episode 190 - Shopify's New Powerful Collections— The Shopify Solutions Podcast
• The GLP-1 Weight-Loss Revolution: Retail’s Next Big Disruption? | Reimagining Retail— Behind the Numbers: an EMARKETER Podcast
• He ranked 3,000 quizzes— Send It!

Frequently asked about this episode

What does this episode say about ai & automation?

AI will enable dynamic, individualized credit card offers based on spending patterns, moving beyond generic reward programs.

What does this episode say about customer retention?

Agentic AI will transform mobile banking into a proactive financial concierge, offering personalized advice, automated transaction management, and budgeting assistance.

What does this episode say about ai & automation?

Financial institutions that effectively leverage AI for personalized rewards and concierge services will gain a significant competitive advantage.

What does this episode say about ai & automation?

Data privacy and security are crucial considerations for the widespread adoption of AI in banking, impacting customer trust and regulatory compliance.

What does this episode say about ai & automation?

The integration of AI across banking touchpoints will reshape customer acquisition, retention, and loyalty, emphasizing hyper-personalization.

Listen

Listen on Apple PodcastsShow website