A nighttime cityscape with a variety of illuminated skyscrapers and buildings. In the foreground, there are roads with light trails, indicating moving traffic.

Two people on bicycles wait at a crosswalk in a city at sunset. Motion blur shows buses and cars moving through the intersection. Tall modern buildings are visible in the background.

Andy Young 28 May 2025

Is your bank’s board TQ ready?

Technology is reshaping bank boardroom agendas A decade ago, we first studied the technology experience of board members across the banking sector. Since then we have seen digital transformation, fintech, cloud computing, scaled agile and modern engineering practices, and the rise of artificial intelligence and generative AI. Each cycle has presented significant opportunities for banks…

The Digital Euro: A strategic step toward Europe’s monetary sovereignty?

In today’s fast-evolving digital landscape, where payments are becoming faster, smarter, and increasingly fragmented, cash is quietly losing ground. Consumer cash usage in Europe now accounts for only 17%, down from 38% in 2022. What used to be the cornerstone of monetary systems is now a shrinking piece of the puzzle—especially in regions like Europe…

Commercial Banking Top Trends for 2025 and beyond

Commercial banking is at a strategic inflection point. As we look ahead to the next five years and beyond, the question is no longer how to keep pace with change—but how to lead it. Commercial banks have the potential to achieve accelerated growth, even amidst geopolitical and economic uncertainties. Success in this dynamic landscape will…

Guardians of Trust: Navigating Cybersecurity in Banking

Despite significant investments in cybersecurity, customers lack trust in the banking system’s ability to protect their data. “Trust is the bedrock of business. It transforms transactions into relationships and clients into loyal advocates.” According to Accenture’s recent Banking Consumer Study surveying 49,000 respondents across 39 countries, 58% of banking customers are concerned about the security…

Unlocking the value of generative AI in commercial payments

The use of AI in the payments industry is not a new phenomenon. In fact, Accenture’s recent Payments Technology Reinvention Study shows that leading banks are already investing significantly in AI and generative AI and have managed to automate 40% of manual tasks in their payments business. Advancements in speech recognition, image generation and machine…

Key strategies and approaches for mainframe and core banking modernization

The financial services sector, like many industries, is undergoing a transformation to drive new revenue streams and profitability. This shift is fueled by evolved and new business models based on advanced technologies and aimed at meeting client expectations. Similar to other industries, financial services organizations are focused on streamlining cost-to-serve mechanisms and enhancing productivity. However,…