Conclusions from the Think Tank on Financial Services

The banking landscape is dynamically redefining itself, driven by factors such as regulation, technologies like artificial intelligence, and the growing importance of sustainability. These elements do not act separately but rather enhance each other. In this analysis, derived from the conclusions of our recent Finance Think Tank, we explore how various aspects are interconnected, shaping a more resilient, efficient, and environmentally conscious banking future.

The modernization of core banking systems is the foundation upon which the future of this sector has been built over recent years. Thanks to the construction of these robust and agile infrastructures, adaptation to new regulations, such as PSD3 in payment systems, is achieved, and the integration of artificial intelligence solutions is facilitated while being driven through sustainable initiatives. Progressive migration and solid governance of services ensure a seamless transition to a more holistic banking ecosystem.

Advances in payment systems reflect this change. They represent not only a technological evolution but also an opportunity to implement sustainable and ethical practices in financial transactions. Here, PSD3 not only redefines security and accessibility but also offers a testing ground for the implementation of personalized artificial intelligence, all backed by a modernized banking infrastructure.

Artificial intelligence emerges as a transformative tool in banking, especially when integrated with advanced payment systems and a modernized core banking system, thus transforming the customer experience. With a focus on privacy and security, customized GPTs may soon offer tailor-made solutions that respect regulatory regimes and promote sustainability through more efficient operations and informed decisions.

In this regard, we consider integrating sustainability into banking to be an imperative need. Sustainable strategies in corporate culture and decision-making will not only benefit the environment but will also strengthen the resilience and reputation of banks. Therefore, technological modernization, innovative payment systems, and artificial intelligence play a crucial role, empowering banks to operate efficiently and minimize their environmental footprint.

In this context, banks that understand and capitalize on these interconnections are not only preparing for the future but are proactively leading it. The modernization of core banking systems, payments 4.0, artificial intelligence, and sustainability are gears of the same machinery that drives banking towards a more integrated, efficient, and socially responsible future.