Banking Trend Radar

Artificial Intelligence, Open Finance, and changing customer expectations are set to fundamentally transform banking over the coming years. The real question is not whether banks will change, but what a successful bank will look like in 2030 and what this means today for strategy, operating models, and technology investments.This is exactly the conversation we are having with banking executives through Banking Horizon 2030, our interactive workshop format designed to make the future of banking tangible rather than simply presenting it through traditional slide decks.

Speaker: Marie-Louise Bernhard, Eike Brenneisen, Thorsten Gudjons 

Find the slides of the webcast here.

Watch the video of the webcast here.

Europe stands at a critical crossroad. To remain competitive with global economic powers, the continent faces an estimated annual investment shortfall of EUR 750–800 billion. At the same time, geopolitical tensions, the energy transition, infrastructure modernization, and the resulting need for defense and technological sovereignty are driving unprecedented capital requirements.

However, traditional funding sources are under pressure. Banks face increasing regulatory constraints, public finances are stretched, and progress toward a fully integrated Capital Markets Union remains gradual. As a result, a significant financing gap is emerging across Europe.

Speaker: Hans-Martin Kraus

Find the slides of the webcast here.

Watch the video of the webcast here.

In financial services, trust is the product — and artificial intelligence has just rewritten the cost of breaking it. In late 2025, the first cyberattack run almost entirely by an AI agent moved this threat from theory to reality, and financial institutions were among its targets. At the same time, AI now writes the majority of phishing, can deepfake a CFO on a live video call, and is putting fraud losses on a path toward $40 billion. For banks, insurers and exchanges, identity, money and information can suddenly be forged at industrial speed and scale. But the same technology that empowers the attacker hands a decisive advantage to the institutions bold enough to seize it. In this keynote, Deloitte's Cyber Security and Cyber Defense & Resilience leaders cut through the hype to show what Silicon Valley and the world's other AI hubs are really building — and what it means for you. They translate the newest threat intelligence, hard statistics and the perspectives of the people building AI into a clear, forward-leaning agenda for FSI decision-makers.

Speaker: Malko Steinroth, Max Kaiser, Thomas Peek

Find the slides of the webcast here.

Watch the video of the webcast here.

We will present key findings of the latest Deloitte study, including practical experiences, specific drivers of data sharing (value, trust, control), as well as recommendations for financial institutions.The study provides practical insights into how banks and financial service providers can build trust, make added value tangible, and design user-centric offerings to successfully implement Open Finance.

Speaker: Lorena Haist, Christian Graner, Andreas Reuss

Find the slides of the webcast here.

Watch the video of the webcast here.

The digital euro is currently gaining noticeable momentum and is becoming one of the relevant trends in European payments. With the ECB’s ,call for participation’ for the d€ pilot, the focus is shifting from design to practical testing—and thus to questions such as how central bank digital money could affect the user experience, data privacy, offline capabilities, and the role of payment service providers. In this webcast, we will examine these emerging trends, put their significance into context, and discuss the impact they may have on banks, payment ecosystems, and technological architectures.

Speaker: Verena Römmelmayer, Christiane Neumüller, Tilmann Bolze

Find the slides of the webcast here.

Watch the video of the webcast here.

2025 marks a decisive moment for banks: with the EBA’s new Guidelines on ESG Risk Management and Environmental Scenario Analysis, the regulatory bar is rising sharply.At the same time, a more mature implementation practice is emerging across the industry – revealing what really works, where institutions still struggle, and how expectations are evolving beyond the written requirements.

Speaker: Dr. Stefan Ebenfeld, Stephanus Kogler, Thomas Peek

Find the slides of the webcast here.

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Key trends include the rise of generative AI, cross-industry integration strategies, and the shift from isolated use cases to scalable, value-driven AI ecosystems. These developments demand more than technical adoption—they require clear strategic priorities, organizational readiness, and proactive stakeholder engagement.

Speaker: Michela Faller, Christoph Kolberg, Tilman Bolze

Find the slides of the webcast here.

Watch the video of the webcast here.

Regulatory changes are gaining increasing strategic and operational relevance for capital markets participants. Key focus areas include the reform of settlement discipline and the upcoming shortening of the settlement cycle to T+1 and the harmonization of regulatory reporting requirements. These developments are accelerating and pose new challenges for processes, systems, and strategic planning.

Speaker: Yvonne Quint, Lara Fries, Tilmann Bolze

Find the slides of the webcast here.

Watch the video of the webcast here.

The increasing volume of non-performing loans has emerged as a major challenge for banks throughout Germany. In this webcast, we shared the key findings from the latest NPL Marketbeat 2025 study, provided practical insights, and discussed actionable strategies to support banks in addressing rising credit risks.

Speaker: Bianca Santillana, Christoph Roessle 

Find the slides of the webcast here.

Watch the video of the webcast here.

25 September 2025

In this webcast, we explored how artificial intelligence is transforming the banking sector. Together with our experts, we examined how targeted AI integration can drive efficiency, profitability, and innovation. Based on practical insights, we identified five key success factors for holistic AI adoption. We also discussed what this means for the future of European banks and which strategic actions are needed now.

Speaker: Andreas Reuß, Jessica Pietsch

Find the slides of the webcast here.

Watch the video of the webcast here.

3 July 2025

In this webcast, we took a data-based approach to the new normality of the international economy. Based on the Deloitte Geoeconomic Dynamics Index, we looked at the structural changes of globalization as well as the impact of current trade policy on the European economy. Our experts analyzed which trends can be derived from this. We also discussed with you what this means for European banks and what action needs to be taken as a result.

Speaker: Dr. Alexander Börsch, Oliver Geiseler

Find the slides of the webcast here.

Watch the video of the webcast here.

22 May 2025

In this webcast, we have explored both the transformative potential and the critical challenges of digitalization in this sector. These digitalization efforts are transforming how trade finance operates, promising to reduce friction, increase efficiency, and make global business more accessible than ever before. By the end of this session, we have provided you with a balanced, nuanced understanding of how technology is reshaping trade finance, equipping you to navigate both the opportunities and the challenges in this rapidly evolving landscape.

Speaker: Stephanie Schönewolf, Agnes Checinski

Find the slides of the webcast here.

Watch the video of the webcast here.

20 March 2025

In this webcast, attendees have gained valuable insights into global trends shaping the future of digital banking and delved into the specific dynamics of the German digital banking landscape. Our expert panel discussed the findings of the latest Digital Banking Maturity Study 2024 including strategies on how banks can leverage these findings to enhance their digital offerings and create value add for their customers. This webcast has provided concrete examples and best practices from global digital champions on how they prioritize and invest in digital to create mutual value with customers.

Speaker: Bianca Santillana, David Pade & Tilmann Bolze

Find the slides of the webcast here.

Watch the video of the webcast here.

20 February 2025

In this webcast, Andreas Reuß and Dr. Daniel Streit of Deloitte’s FIDA Center of Excellence provided insights into the need for action along the regulatory roadmap. However, they focused on the strategic dimension of FIDA and the opportunities for data-based growth in the financial sector: How can financial data be used and monetized strategically? Will the revolution succeed or will the potential remain untapped once again?

Speaker: Andreas Reuß & Dr. Daniel Streit

Find the slides of the webcast here.

Watch the video of the webcast here.

23 January 2025

In this webcast, we spoke to our Sustainable & Transition Finance experts Wiebke Merbeth, Partner at Deloitte Monitor and member of the Sustainable Finance Advisory Board of the German Federal Government, and Nadja Gläser, Director at Deloitte Monitor, about the role of the financial market in promoting sustainable transformations.

We were able to find out how “finance” is changing into “transition finance” and which political levers need to be addressed for a successful, sustainable transformation in Germany.

We also discussed the relevance of ambition and acceptance levels and what central role the banking world plays in transition finance.

Speaker: Wiebke Merbeth & Nadja Glaeser

Find the slides of the webcast here.

Watch the video of the webcast here.

28 November 2024

AI Overlay entails using AI to enhance existing systems without fully replacing them. With the advent of AI applications, the legacy systems are now deemed highly ineffective and inefficient in combating financial crime.

Before AI applications could achieve sufficient maturity, financial institutions were compelled to implement rule-based monitoring and screening systems. These rule-based systems, often local "On-Premises" (On-Prem) solutions, have been deeply integrated into the existing data landscape of financial institutions through years of specific customizations.

Financial institutions are now eager to harness the immense technological advancements in AI for financial crime prevention. Implementing a parallel AI overlay is less complex than a complete system replacement and promises immediate benefits from AI for financial institutions.

Speakers: Martin Hirtreiter and Dr. Robert Schmuck 

Find the slides of the webcast here.

Watch the video of the webcast here.

17 October 2024

Climate transition planning practices are evolving rapidly, and it's becoming clear that developing and articulating transition plans across business areas can add significant value to strategic objectives for banks.

By placing climate change at the core of their strategy and operations, financial institutions can shape a future-focused vision that integrates value creation, risk analysis, and impact. A strategic approach that considers various scenarios enhances banks' ability to understand and prepare for both physical and transition risks. Proactively addressing these challenges also allows banks to seize new opportunities, strengthen their strategic positioning, bolster their brand, and improve engagement with investors and stakeholders.

Speakers: Nicole Röttmer, Katharina Kaesehage

Find the slides of the webcast here.

Watch the video of the webcast here.

29 August 2024

Beyond Banking is not a new term, but the urgency for banks to explore new business models is ever-rising. This Trend Radar Webcast has explored the urgency of the topic, the highest potential Beyond Banking ecosystems that appeal to both retail banks and customers, and the ways in which banks can capture the opportunity Beyond Banking presents. The discussion was underpinned by research the team has done with senior banking executives and over 2.000 customers. 

Speakers: Andreas Reuss, Sahar Gesell and Benjamin Borrow

Find the slides of the webcast here.

Find out more about Beyond Banking and its implications in the retail banking in our recent study.

Watch the video of the webcast here.

27 June 2024

This session departed with an overview on the adopted Instant Payment Regulation, its focus areas, and timelines for implementation. After exploring the regulatory requirements, we have shed light on the challenges for financial institutions and payment service providers that come with the mandatory implementation of Instant Payments, the additional security measures, and the limits on charges.

In the second part of the webcast, we have been exploring the chances that come with mandatory provision of Instant Payments across the EEA both for financial institutions and the wider payments ecosystem as well as the action that need to be taken.

Speakers: Christiane Neumüller, Daniel Hellmann

Find the slides of the Webcast here.

See the video of the webcast here.

16 May 2024

We have provided you with insights into the dark side of GenAI and present practical examples of fraudulent activities in the financial sector. Additionally, we took a glimpse into the future, anticipating the risks of tomorrow and how you can prepare today.

Speakers: Peter Schadt, Julian Ursic

Find the slides of the Webcast here.

See the video of the webcast here.

21 March 2024

We provided a comprehensive exploration of the integration of business models, technology, and regulatory frameworks within the realm of crypto assets. The discussion delved into the intricacies of aligning these key components to navigate the evolving landscape of digital assets. Participants gained insights on effectively harmonizing business strategies, leveraging cutting-edge technologies, and adhering to regulatory requirements for a cohesive approach to crypto asset management.

Speakers: Arina Hadlich, Jens H. Paulsen

See the video of the webcast here.

18 January 2024

From Micro- to Megatrends – we introduced Deloitte’s structured trend process and explained the features of our European Banking Trend Radar. We showed how trend research is used to navigate an uncertain future and to improve strategic decision making. We also gave examples of some of the most dynamic trends and provided practical steps on how to deal with trends once having identified them.

Speakers: Lutz Pehl, Thomas Peek, Tilmann Bolze

Find the slides of the webcast here.