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Revitalizing Consumer Tech: Anticipating a 2026 Resurgence

Investment in consumer technology startups has experienced a marked decline since 2022 amid a turbulent macroeconomic environment and persistent inflationary pressures. While venture capital dollars have largely been directed toward enterprise-focused artificial intelligence solutions that promise lucrative contracts and rapid scaling, a prominent investor anticipates that the consumer sector is poised for a robust comeback by 2026.

Investment Shifts Amid Uncertain Times

Vanessa Larco, a partner at Premise and former partner at NEA, emphasized on this week’s episode of the Equity podcast that the coming year could mark a significant turnaround for consumer tech. Despite enterprises having deep pockets and a strong appetite for AI implementations, many large-scale decisions are stalled by the challenge of defining an entry point.

Consumer-Driven Innovation Offers Rapid Feedback Loops

Larco noted, “The fun thing about consumer and prosumer products is that users already have a clear idea of their needs. They purchase a solution that meets these needs and continue using it without the drawn-out process typically seen in enterprise adoption.” This immediacy in feedback allows startups to quickly assess product-market fit, pivot when necessary, or even abandon an unviable idea in favor of a more promising venture.

AI Redefining the Consumer Experience

Recent innovations underscore AI’s role in seamlessly integrating into everyday consumer activities. Late last year, OpenAI launched new ChatGPT capabilities enabling users to shop via the Target app, explore real estate opportunities with Zillow, plan trips on Expedia, or craft a Spotify playlist, all within the intuitive ChatGPT experience. As Larco puts it, “AI will eventually evolve into concierge-like services—tailored, responsive, and indispensable.” The challenge remains in distinguishing which functionalities should be specialized versus those best served by the platform’s versatility.

Reshaping Social Media In the Age of Deepfakes

Amid concerns about the proliferation of AI-generated content, Larco highlighted the risks posed by deepfakes infiltrating news and social feeds. An incident involving misleading AI-generated images during a significant global event prompted Larco to reflect on a paradigm shift in how audiences consume information. As platforms like Reddit and Digg move toward verifying authenticity, the industry faces a critical juncture in redefining trustworthy information sources.

Voice Versus Screen: New Frontiers in User Experience

The recent acquisition of AI-driven startup Manus by Meta underscores a broader strategic shift aimed at refining consumer hardware and user interaction. Larco, an avid proponent of Meta’s Ray-Ban smart glasses, argues that breakthroughs in voice-activated AI could soon obviate the dependency on screens. “Some experiences are inherently better with audio interaction,” she explains. For routine queries or even answering her children’s curious questions, voice offers immediacy and efficiency that screens simply cannot match.

As the consumer tech landscape evolves, Larco envisions a future characterized by innovative monetization strategies and disruptive business models that redefine everyday digital experiences. With giants like OpenAI setting new paradigms for user engagement, the stage is set for transformative shifts in both product design and market strategy.

Eurobank Plans €1 Billion Investment In AI And Digital Banking By 2028

Eurobank plans to invest about €1 billion in technology from 2025 through 2028, its largest technology investment program to date. The Banking Forward strategy focuses on digital banking, artificial intelligence, customer experience and a “phygital” model combining digital services with face-to-face support.

Digital Banking Dominates Customer Activity

Digital channels already account for 96% of Eurobank transactions, with 61% completed through the Eurobank Mobile App. Among customers aged 35 and under, digital adoption reaches 94%.

Customers make about 574 million annual logins across e/m-banking and more than 1 million digital transactions each day. During the first half of 2026, one in three banking products was acquired digitally.

AI Moves Into Everyday Banking

Eurobank is expanding the use of AI through tools including EVA, its digital customer assistant, and myEVA, an AI-powered voice assistant for employees. The technology is also being applied to mortgage assessments, customer feedback analysis and contractual documents.

The bank’s technology architecture is built around five areas: digital channels, customer experience orchestration, data and AI, core banking, and infrastructure and cloud. About 50% of its applications and digital channels are already cloud-based.

Investment Extends Beyond Technology

The program is intended to reshape how Eurobank operates, combining automation and AI with employee development and human support. The bank says the approach is designed to improve services while maintaining access to face-to-face banking when customers need it.

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