The January 2022 Aite-Novarica Group report outlines the top 10 trends shaping financial services across sectors. Retail banking sees BNPL mainstream adoption, cryptocurrency integration, CaaS growth, and embedded payments. Commercial banking faces fintech competition, ERP integration, and ESG focus. Wealth management expands through democratized financial planning, digital onboarding, and personalized indexing. Capital markets adapt to green taxonomies, accelerated settlements, and crypto growth. Healthcare payments embrace digitalization, HSAs, and faster payments. P\&C and life insurers advance AI, cloud, and fraud prevention. Fraud & AML combat scams, API vulnerabilities, and DeFi risks. Cybersecurity emphasizes ransomware defense, zero-trust, and M\&A growth.

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