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Connected journeys are the next era of banking. August 3, 2026 | Diebold Nixdorf When consumers feel confident, supported, and understood, they engage more deeply with their financial institutions. Diebold Nixdorf partnered with YouGov to examine financial consumer behaviors and expectations in 2026. Digital first, not digital only. For years, banking was expected to become almost entirely digital. In reality, the picture is more complex. Even digital native consumers continue to seek reassurance and trusted human input when financial decisions feel significant. Data shows that 51% of Gen Z and Millennial consumers in the U.S. - and 42% in Italy - hesitate to decide without human guidance. In retail, Networld Media Group learned long ago that behavior rarely maps cleanly to demographics. It is well designed, human supported journeys that build trust. In banking, particularly younger, educated, and higher income customers actively use multiple banking channels to profit from both digital convenience and expert financial advice. When banks neglect these relationships, they risk eroding both trust and long term value. Why personal connections matter. Across major European markets and the U.S., more than 70% of consumers turn to branches when friction arises - from transaction limits to high stakes decisions. Digital adoption is strong, but confidence falters when risk or uncertainty increases. This is especially visible in Germany and Italy, where many consumers lack full digital confidence. As Joe Myers observed in his 2026 outlook, faster digital adoption does not eliminate the need for trusted human guidance. The challenge for banks is clear: every channel must feel connected, consistent, and human. "Faster digital adoption does not eliminate the need for trusted human guidance. The challenge for banks is clear: every channel must feel connected, consistent, and human," Myers said. Branches must handle higher-value transactions. Despite lower routine traffic, branches remain essential: depending on the market, 16-31% of consumers rely heavily on branch services, and even in the UK fewer than 20% say they could do without them entirely. Business owners in particular value branches for reliability and reassurance. Yet branch staff are still tied up with low value, repetitive tasks. Retail showed that automation and journey orchestration can increase, not reduce, in store value. Banking faces the same opportunity. For example, facing friction from ATM limits will push up to 45% of UK and 33% of Italian consumers to a teller - even though many would proactively request limit increases via mobile. Anticipating friction is key to elevating both journeys and staff productivity. Payment choice is a non-negotiable. Consumers rarely replace payment methods completely - they add to them. In Italy, among consumers under 40, 55% used mobile payments in store recently, yet over half of these users also paid with cash. Choice remains constant. Across markets, access to cash still strongly influences bank selection: 84% of UK and 89% of German consumers would avoid providers that neglect cash access options. Banks must therefore support diverse payment options while modernizing legacy infrastructure for flexibility and scale. Why scalable platforms are a necessity. European banks increasingly see ATMs as convenience platforms, not just cash access points, with over 56% citing added services as key to maintaining networks3. In low cash markets like the UK, infrastructure gaps are reshaping behavior, with some banks, such as Nationwide, turning proximity into a competitive advantage4. The lesson mirrors retail: platforms must scale across channels, integrate new services, and enable innovation without disrupting the customer journey. AI: Transformational and human dependent. While AI driven processes can be fast and efficient, consumers still want reassurance that human support is available when needed. Its research reflects this tension: around half of consumers in the U.S., UK, and Italy express concerns about AI risks, and even younger consumers remain cautious. The opportunity for banks is not to replace human engagement right away, but to apply AI where it adds the most immediate value - particularly in fraud detection, security alerts, and risk monitoring. As cyber threats grow, AI becomes essential to delivering one core value: the feeling of being protected. Conclusion: The future belong to those that master the journey. The lesson is simple: consumers don't think in channels. Consumer journeys are strongly driven by trust. Banks that blend scalable technology, human reassurance, and intelligent AI will earn this trust - and that ultimately shapes consumers ́ choice. Included in this story. As a global technology leader and innovative services provider, Diebold Nixdorf delivers the solutions that enable financial institutions to improve efficiencies, protect assets and better serve consumers. Request Info

Thomas Timko buys 700 shares of Diebold Nixdorf (NYSE:DBD) stock. July 31, 2026 Key points. * Executive vice president Thomas Timko bought 700 Diebold Nixdorf shares at an average price of $72.29, investing $50,603 and increasing his position by 28.78% to 3,132 shares. * Diebold Nixdorf's stock rose 3.3% to $73.61, while its latest quarterly results met expectations with $1.10 in earnings per share and revenue of $927.6 million. * Analysts maintain a favorable outlook, with the stock carrying an average "Buy" rating and a $100 price target; institutional investors own approximately 97.04% of the shares. * Five stocks we like better than Diebold Nixdorf. Diebold Nixdorf, Incorporated (NYSE:DBD - Get Free Report) EVP Thomas Timko acquired 700 shares of Diebold Nixdorf stock in a transaction that occurred on Friday, July 31st. The stock was acquired at an average cost of $72.29 per share, with a total value of $50,603.00. Following the completion of the purchase, the executive vice president owned 3,132 shares in the company, valued at approximately $226,412.28. This represents a 28.78% increase in their position. The transaction was disclosed in a legal filing with the SEC, which is available through this hyperlink. Diebold Nixdorf stock up 3.3%. NYSE DBD traded up $2.35 during trading on Friday, reaching $73.61. 487,111 shares of the company's stock were exchanged, compared to its average volume of 356,949. The company has a current ratio of 1.27, a quick ratio of 0.89 and a debt-to-equity ratio of 0.97. Diebold Nixdorf, Incorporated has a fifty-two week low of $53.93 and a fifty-two week high of $92.08. The company's fifty day simple moving average is $82.98 and its 200-day simple moving average is $78.66. The firm has a market capitalization of $2.55 billion, a PE ratio of 24.06 and a beta of 1.12. Diebold Nixdorf (NYSE:DBD - Get Free Report) last issued its earnings results on Wednesday, July 29th. The technology company reported $1.10 earnings per share for the quarter, meeting analysts' consensus estimates of $1.10. The company had revenue of $927.60 million for the quarter, compared to the consensus estimate of $923.07 million. Diebold Nixdorf had a return on equity of 21.16% and a net margin of 2.87%.Diebold Nixdorf has set its FY 2026 guidance at 5.250-5.750 EPS. Sell-side analysts predict that Diebold Nixdorf, Incorporated will post 5.5 EPS for the current year. Wall Street analysts forecast growth. A number of brokerages have issued reports on DBD. Weiss Ratings reissued a "buy (b-)" rating on shares of Diebold Nixdorf in a research note on Friday, July 10th. Wedbush raised shares of Diebold Nixdorf to a "strong-buy" rating in a research note on Monday. Finally, DA Davidson reiterated a "buy" rating and set a $100.00 price objective on shares of Diebold Nixdorf in a report on Monday, May 4th. One equities research analyst has rated the stock with a Strong Buy rating and two have issued a Buy rating to the company. According to data from MarketBeat.com, Diebold Nixdorf has an average rating of "Buy" and an average price target of $100.00. Discover more MarketBeat Portfolio Tools Stock Average Calculator Stock Split Calculator Hedge funds weigh in on Diebold Nixdorf. Institutional investors have recently bought and sold shares of the stock. Jones Financial Companies Lllp boosted its stake in shares of Diebold Nixdorf by 325.9% during the 1st quarter. Jones Financial Companies Lllp now owns 1,150 shares of the technology company's stock worth $50,000 after acquiring an additional 880 shares in the last quarter. GAMMA Investing LLC raised its stake in shares of Diebold Nixdorf by 56.7% in the 2nd quarter. GAMMA Investing LLC now owns 735 shares of the technology company's stock valued at $62,000 after acquiring an additional 266 shares in the last quarter. Measured Wealth Private Client Group LLC acquired a new stake in Diebold Nixdorf in the 1st quarter worth approximately $93,000. Raymond James Financial Inc. acquired a new stake in Diebold Nixdorf in the 2nd quarter worth approximately $105,000. Finally, CWM LLC boosted its position in Diebold Nixdorf by 15.6% during the fourth quarter. CWM LLC now owns 1,719 shares of the technology company's stock worth $117,000 after purchasing an additional 232 shares during the period. 97.04% of the stock is currently owned by institutional investors. Diebold Nixdorf company profile. Diebold Nixdorf, Inc NYSE: DBD is a leading global provider of connected commerce solutions, specializing in automated teller machines (ATMs), point-of-sale (POS) systems and related software and services for the banking and retail industries. The company's core offerings include hardware platforms, software applications for transaction management and advanced analytics tools that enable financial institutions and retailers to enhance customer engagement, streamline operations and improve security at the point of transaction. This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected]. Before you consider Diebold Nixdorf, you'll want to hear this. MarketBeat keeps track of Wall Street's top-rated and best performing research analysts and the stocks they recommend to their clients on a daily basis. MarketBeat has identified the five stocks that top analysts are quietly whispering to their clients to buy now before the broader market catches on... and Diebold Nixdorf wasn't on the list. 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