Forbes, citing a report on banking trends released by Accenture, points out that the banking industry is entering an era of "Unconstrained Banking," where stablecoins, crypto assets, and tokenized deposits are moving from pilot projects to large-scale applications, posing substantial competition to traditional banks. The report states that stablecoins are directly competing with bank deposits, while crypto and payment companies obtaining banking licenses and private credit are impacting the loan market. Coupled with AI-driven financial agents, banks face a potential restructuring risk of over $20 trillion in deposits and loans. Accenture predicts that by the end of this decade, approximately $13 trillion in transaction volume could migrate to alternative payment methods, and if banks fail to respond adequately, they could lose billions of dollars in fee income.