Tokenization, agentic AI, and shifting macro conditions are not future problems. They are happening in 2026. IBM's own research, drawn from 500 financial services executives worldwide, confirms that the next 24 months will separate institutions that move with clarity from those that hesitate. We work with CEOs, CTOs, and growth leaders to make that clarity real. Not in theory. In your systems, your decisions, your roadmap.
77%
of financial executives say investments in modernized computing platforms and cloud are essential to handle high data volumes and support tokenization at scale. Source: IBM IBV 2026.
57%
of executives confirm that tokenizing settlement rails will significantly strengthen agentic AI, enabling autonomous transactions across banking operations.
61%
of financial institutions are planning investments in digital custody solutions right now. Custody has shifted from a support function to a strategic platform.
Only 8%
of banks have a strategic approach to generative AI. The other 78% are acting tactically. That gap is where competitive edges are won or lost.
Core infrastructure assessment
We map your current systems against what a token-ready architecture actually requires. No jargon. Just a clear picture of where the gaps are and what fixing them costs versus what staying still costs.
AI strategy that goes beyond pilots
Most banks are experimenting with AI tactically. We help leadership move from scattered pilots to a coherent approach, tied to real revenue or cost outcomes. Agentic AI running on programmable rails is the next frontier. We help you get positioned before the market does.
Tokenization readiness and revenue mapping
Tokenized assets, stablecoins, and CBDCs are gaining regulatory footing fast. We help you understand which tokenization opportunities fit your business model, which risks you need to manage now, and how custody, compliance, and capital flows change as a result.
Growth strategy grounded in current data
Return on equity is improving across major markets but so is credit risk and loan loss provisions. We track the macro signals that matter and translate them into strategic choices for your leadership team.
At Marchcroft
Innovating Today,
Shaping Tomorrow
2030
The tokenization deadline
By 2030, tokenized assets, stablecoins, and CBDCs will be table stakes, not experiments. Institutions making hard decisions in 2026 and 2027 will be the ones that hold competitive ground.
55%
Coexistence, not replacement
Most banking executives expect tokenization to run alongside off-chain systems. The challenge is managing revenue cannibalization and margin pressure during that transition.
9%
First movers are already live
Nine percent of financial institutions are already operating or ready to launch at least one tokenization initiative. The window to be an early mover is still open, but it is closing.
Situation review
We start by understanding where your organization actually is. Not where the last strategy deck said it would be. We look at your systems, your data infrastructure, your AI maturity, and your current exposure to tokenization shifts. This takes days, not months.
Gap and opportunity mapping
We lay out what the current market data tells us about your competitive position. That includes macro performance benchmarks like cost-to-income ratios, return on equity by region, and loan loss trends, alongside technology readiness criteria. You get a clear picture, not a generic framework.
Strategic options, not a single answer
We present a set of realistic paths. Each one is tied to a specific outcome, a cost, and a timeline. You and your leadership team make the call. We make sure you have what you need to make it with confidence.
Execution support
If you want us in the room during execution, we stay. We help with vendor selection, infrastructure decisions, partner ecosystem evaluation, and governance design. We work at the pace your organization can actually move.
A mid-size regional bank needed to understand its tokenization exposure before a board presentation. They had six weeks.
- Mapped the full gap between existing core systems and token-ready architecture requirements
- Identified three custody service lines that could generate new revenue within 18 months
- Delivered a board-ready assessment covering regulatory positioning, AI readiness, and infrastructure cost scenarios
- Flagged two areas of credit risk the internal team had not fully modelled
The board approved a phased modernization roadmap. The CTO had clear language to explain infrastructure investment in commercial terms.
"We came in expecting a report. What we got was a conversation we could actually use. They knew the data. They knew our market. And they did not try to sell us something we did not need." - Chief Technology Officer, Regional Bank EMEA
Q: Are we already too late on tokenization?
Q: We have already invested heavily in modernization. Why are we still behind?
Q: How does this connect to our AI strategy?
Q: What does engagement with you actually look like?
Q: We are not a bank. Does this still apply?
Tokenization Strategy
Position your institution for the on-chain economy
From stablecoin exposure to CBDC integration requirements, we map the tokenization landscape specific to your business segment and help you build a strategy that holds up under regulatory scrutiny.
Find out moreAI Maturity and Roadmap
Move from tactical experiments to strategic AI
We assess your current AI posture against what a strategic approach actually requires, identify the highest-value use cases for your segment, and help leadership build a roadmap that the board can fund with confidence.
Find out moreInfrastructure and Cloud Readiness
Modernize with a clear destination in mind
Seventy-seven percent of executives say hybrid cloud and modernized compute are essential for tokenization at scale. We help you assess readiness, prioritize investment, and avoid rebuilding infrastructure twice.
Find out moreRisk and Compliance Positioning
Manage what the new economy actually introduces
Tokenization does not remove the need for AML, KYC, digital identity, and privacy controls. It changes how they work. We help you adapt your risk framework without dismantling what already functions well.
Find out moreGrowth Strategy
Find the revenue lines that are actually opening
Digital custody, on-chain collateral management, and advisory services tied to tokenized assets are generating new revenue for institutions that move early. We help growth leaders identify and size those opportunities for their specific market.
Find out moreBoard and Leadership Alignment
Get the room to the same page, fast
The biggest barrier to action in most institutions is not information. It is alignment. We help CEOs, CTOs, and heads of growth get to a shared view of priorities using current data, clear trade-offs, and language that works in a boardroom.
Find out more
Explore Our Capabilities
See where else we can help your organization move with more clarity.
