Fintech Benchmarks 2026 – model banks analysis
Data breakdowns reveal divergent approaches to CBDC, fintech staffing and AI adoption
The model banks analysis for the Fintech Benchmarks 2026 sheds further light on the similarities and differences between central banks in different economic groups and of different sizes.
One result that stands out is the divergence between fintech teams at advanced economy (AE) central banks and their peers in emerging market economies (EMEs). Fintech staffing is greatest on average among larger EME central banks, at 21 individuals. By contrast, the larger AE banks only employ two people on
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Two-thirds of central banks predict CBDC adoption in 5–10 years
Stablecoin launches seen as more likely by authorities without CBDC mandate
Most circulating stablecoins pegged to the greenback
Jurisdictions with stablecoins in use are largely high and upper-middle income countries
Financial stability seen as top risk from private digital money
Concerns differ somewhat by region