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Community bankers have a lot to contend with in 2026, from spikes in fraud to the growing presence of nonbank firms in the financial services market. A closer look at the American Banker’s 2026 State of Open Finance Adoption report reveals what small bank leaders care about most.

As cryptocurrency firms and fintech companies seek national trust charters under the more digital asset-friendly Trump administration, the Office of the Comptroller of the Currency's interpretative letter undergirding their applications is drawing greater scrutiny from the banking industry.

If digital assets are a new building still in the design phase, the wallet is the front door.