Banking.Vision
In an increasingly complex world, data has long since become a crucial factor in better understanding customer needs and creating relevant added value. This is also changing the role of the bank. It is evolving from a traditional intermediary, whose primary role is to act as a go-between, into an active enabler that provides guidance, identifies opportunities and supports customers with a forward-looking approach. Data is the key to a new form of customer relationship.
Banking.Vision
The political agreement on the Digital Omnibus Directive on AI introduces new deadlines and simplifications, but does not exempt institutions from their obligations. What specific changes this brings for banks, what deadlines apply, and why now is the right time for structured AI governance.
Banking.Vision
AI-powered cyberattacks in a matter of seconds, AI-assisted phishing and highly fragmented attack vectors: the threat landscape for financial institutions has changed fundamentally. The question is not whether security controls are in place, but whether they are still effective in the face of these new dynamics.
Banking.Vision
The implementation of the 9th MaRisk Amendment will be a major undertaking for many institutions, cutting across virtually every business area. This is precisely where Internal Audit plays a pivotal role: under BT 2.1, it is obliged to accompany significant projects. How can this accompaniment be structured so that adverse developments are identified early, without jeopardising its own independence?
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The collaboration aims to empower public sector organizations and private enterprises throughout their digital transformation journey.
Banking.Vision
How Social Engineering, Instant Finality, and PSD3 Fraud Prevention Are Becoming Core Functions Relevant to Liability AI-driven social engineering, real-time payments, and the new liability framework under PSD3/PSR are fundamentally transforming the payments landscape. Fraud prevention is shifting from a downstream control function to a liability-relevant real-time decision-making task, presenting banks, payment service providers, and merchants with new technical, operational, and regulatory challenges – particularly due to the need to make fraud decisions in a documentable and cross-system manner in real time.
Banking.Vision
Unlocking potential from phasing-out variable liability products? Discover how a well-structured product catalogue leads to higher margins, qualitatively improved cash flows, and simplified validation processes.
Banking.Vision
On 1 June 2026, the reform of the Retirement Savings Certification Act (AltZertG) was passed, paving the way for a new Retirement Investment Account (AVD). The starting gun fires on 1 January 2027. What does this mean for banks?