The banking industry is entering an era of 'Unconstrained Banking,' according to Accenture's 2026 banking trends report, as cited by Forbes. The report highlights the growing competition traditional banks face from stablecoins, crypto assets, and tokenized deposits, which are moving from pilot phases to large-scale applications. This shift poses a significant challenge to traditional banking models. Accenture's report indicates that stablecoins are directly competing with bank deposits, while crypto and payment companies are acquiring banking licenses. Additionally, private credit is impacting the loan market, and AI-driven financial agents are contributing to potential restructuring risks for banks, which could affect over $200 trillion in deposit and loan volumes. The report forecasts that by the end of the decade, approximately $13 trillion in transactions could shift to alternative payment methods, potentially costing banks billions in fee revenue if they fail to adapt.