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Banking 4.0 is characterised by digital innovations, fusing the physical, artificial, and biological worlds, affecting societies, industries, and companies with ever higher speed and intensity. In th
Artificial intelligence, blockchain and robotics will continue to gain in importance. For the next growth cycle, however, we will need a lot more computing capacity. Computers with conventional transi...
Investments that are necessary to innovate and serve customers are no longer sustainable while COVID-19 hastens the need to exploit the potential of digital innovations. Serving customers accurately d...
In the hardest times, there is always a way to get better. With The Way Forward, I’d like to share disruptive changes that shape industries, businesses, and societies in the context of financial servi...
With agile entrepreneurs from Asia, exporting their digital business models to the rest of the world, Western banks will soon face fierce competition. We expect large, traditional firms to fall behind...
After the financial crisis, Western banks where paralysed with lawsuits, fines and regulatory requirements. The lack of innovation paved the way for a new industry (fintech), focusing on data and clie...