The future of banking

For a long time, internal audit was seen as a body focused on hindsight. Today, it is increasingly expected to play an active operational role. Business units and executive boards are increasingly viewing it as a ‘sparring partner’. How can the audit function resolve the tension between acting as a detached auditing body and maintaining a close involvement in the organisation?

The success of the digital euro will not be determined solely by its technical architecture, but above all by how seamlessly it can be integrated into everyday payment situations. This raises a key strategic question for banks: which payment scenarios should be prioritised, and how can the digital euro be integrated in such a way that it usefully complements existing user behaviour?

Capital market infrastructure is undergoing structural realignment. What was long framed as a “crypto topic” is evolving into an institutional transformation: tokenized securities, regulated digital trading venues, stablecoin-based settlement rails and the prospect of 24/7 execution are redefining market mechanics.

AI in trading optimizes speed. AI in treasury controls stability. Both worlds use similar technologies but pursue completely different goals. Anyone who thinks of treasury in the same way as trading underestimates the complexity of bank management. This is precisely where the actual AI transformation begins.