What will happen in the financial world in 2026? These trends will make it clear.

【Macroe Perspective: The Great Liquidity Shift】
Major economies in the US and Europe are expected to gradually end interest rate hikes and enter a period of rate cuts or stabilization, which means liquidity pressures will ease. But don’t celebrate too early—structural inflation issues remain, and exchange rates and capital flows in emerging markets will become more volatile. The shift in the dollar cycle will bring new opportunities but also hidden risks.

【Geopolitical Reshaping: Rethink Asset Allocation】
Regionalized trade systems like "Friend-shore Outsourcing" will continue to impact cross-border investment layouts. When major financial institutions make asset allocations, geopolitical risk hedging will become more important. Green finance is no longer just a slogan; ESG investing is truly being implemented from conceptual to operational levels, and regulators are pushing for standardization.

【Digital Currency: A Key Year for Breaking Barriers】
The application scenarios for digital RMB are expanding—actual uses like cross-border trade and supply chain finance are progressing. The integration speed of traditional payment systems and CBDCs will accelerate. This is not just a Chinese phenomenon; global efforts are underway.

【New Assets, New Markets】
Alternative assets such as private credit, infrastructure REITs, and secondary private equity markets (S-Transactions) are becoming favorites among institutions. Southeast Asia, the Middle East, and other regions are attracting increasing capital, with localized financial services and digital ecosystem investments becoming hot topics.

【Technological Risks: The Dual Challenge of AI and Quantum Computing】
AI applications in finance are rapidly expanding, but issues like algorithmic bias and deepfake concerns are surfacing. Regulators are establishing AI ethical frameworks. Deeper threats come from quantum computing—its impact on existing encryption systems has gained attention, and financial institutions are starting to proactively deploy quantum-resistant security technologies.

However, these judgments are based on current trend extrapolations. Actual developments may be disrupted by unforeseen events—technological breakthroughs, geopolitical conflicts, natural disasters—all could rewrite the script. The best strategy is to stay flexible and keep pace with policy and market changes in real time.