Report

2026 FIS Commercial Lending: Global Industry Insights

Unlock the mandates for C-suites and senior leadership

Commercial lenders face strong growth opportunities, but internal productivity constraints are limiting their ability to capitalize on them. As private credit intensifies competition and experienced lenders remain scarce, leadership teams must rethink how work, technology, and data are allocated across the lending lifecycle.

Based on a global survey of 200 banks, this report examines the operational and competitive pressures shaping commercial lending in 2026. It explores private-credit pressure, lender retention, risk and back-office burdens, borrower experience, loan-origination performance, and the role of agentic AI in improving frontline productivity.

• Why commercial lending growth is limited by internal productivity rather than market demand
• How private credit is compressing spreads, returns, and deal turnaround expectations
• What lender scarcity, compensation, culture, and process efficiency mean for talent retention
• How agentic AI, integrated risk data, and automation can return more time to borrowers

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