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The legal view

Emmanuel Hadjidakis | Chair of the Global Financial Institutions Group 

Emmanuel Hadjidakis | Chair of the Global Financial Institutions Group 

Explore key insights to help you prepare for the future

Learn more about AI

Learn more about AI

AI in Financial Services

AI is already used within the financial sector, but with the arrival of generative AI, what new use cases are there and how are they likely to affect the industry?

Discover why banks 
are cautious

Discover why banks 

Why Banks Are Cautious About Fintech M&A

Acquiring technology may be cheaper and quicker than developing it in-house, but traditional banks are wary of overpaying and cautious about the risks inherent in innovative business models.

Find out what the verdict is

Biometrics in Financial Services

Will biometrics be a game changer in the race to fortify the financial ecosystem against fraudsters?

Understand what it means for financial inclusion

Understand what it means for financial inclusion

Central Bank Digital Currencies

Central banks in all the world's major economies and many others are exploring the creation of digital currencies, with a handful of emerging economies having already launched their own.

Explore what the future of

Modular Financial Services

Digital technology promises the modularization of many services — characterized by the involvement 

Tune into our Podcast

Tune into our Podcast

Quantum Computing

Quantum computing remains under development, but because it promises to be a game changer for business, financial institutions can no longer ignore the benefits and risks 

Weigh up the benefits

Financial Stability

For all the benefits fintech has introduced it has also exposed the financial system to new vulnerabilities. These interconnected risks include destabilizing factors, raising questions about the financial systems’ fragility.

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Cloud Compliance Center

Cloud Compliance Center

Global Financial Services Regulatory Guide

Global Financial Services Regulatory Guide

THE NEXT DECADE IN FINTECH

The financial sector exemplifies the huge benefits that come from embracing innovation and digital disruption, but staying on the cutting edge of progress demands constant evolution.

The Next Decade in Fintech explores the technologies reshaping the financial sector and looks at how the structure of financial institutions and the delivery of its services are evolving.

"Fintech and digital transformation are transforming the business models of financial institutions; the need to increase the return on capital and reduce costs in the face of investor and competitive forces are causing financial institutions to invest in new technologies. As a result, these technologies are reshaping how financial institutions deliver services, earn revenue and monetize value.

Find out what the verdict is

Explore what the future of 

Weigh up the benefits 
versus risks

"Some third parties are not licensed. This raises questions over consumer protection, prudential sufficiency and potentially, 

"Only a small handful of dominant market players will have the capital to invest not just in collecting and analyzing that data, 

"The combination of banks' customer data with start-ups' digital strengths has brought a number of innovative new services to the market in areas such as mobile payments."

"[The system must be interoperable] not only [to] foster inclusion, but also a competitive environment where private sector companies — banks and merchants — can both interoperate with the CBDC and compete among themselves to drive down the prices of services to individuals."

"There is a concern over future cyber security and resilience if there is no investment in [quantum] systems, and the National Cyber Security Center in the UK has previously warned that firms should be considering now already how to protect their data from 
quantum powered threats."