Accenture Banking Blog

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.

22 May 2025

Sulabh Agarwal

Dr. Nils Beier

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…

16 May 2025

Humad Ahmed

Rishi Chawla

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…

11 Mar 2025

Valerie Abend

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…

25 Feb 2025

Amit Mallick

Manish Kohli

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…

15 Nov 2024

Alvaro Ruiz

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,…

25 Oct 2024

Kimberly Kacal

Challenges shaping North American banks' payments tech investments

The payments industry is evolving rapidly, driven by changing consumer and commercial needs. Payments executives are grappling with rising costs, shrinking margins and emerging technologies like generative AI, prompting a reevaluation of their strategies. The key question is: What tech investments should…

22 Oct 2024

Kimberly Kacal

Bruce Schilder

Open Banking and Dodd-Frank 1033: A springboard for competitive advantage

The financial services industry is undergoing a fundamental shift, driven by Open Banking’s rapid rise in North America. This trend is amplified by the just released Dodd-Frank 1033 rule, which requires that financial institutions (FIs) provide consumers with greater access to their…

14 Oct 2024

Kimberly Kacal

Jeff Crawford

Unlocking Apple's NFC: Is it time for your banking app to become a full digital wallet?

In October 2024, Apple is set to open its NFC (Near-Field Communication) technology using the Secure Element (SE) to third-party platforms, ushering in a new era of competition and innovation in digital wallets. This change presents a significant opportunity for banks, fintech…

4 Oct 2024

Chris Scislowicz

Auswell Chia

Reinvent lending offerings and business models to stay ahead

In our discussions with banking executives, a common theme is how the lending market is changing and constantly giving rise to threats and opportunities, as covered in our Commercial Banking Top Trends for 2024. Confronting these changes is essential, but it also…

20 Sep 2024

Alvaro Ruiz

Core banking transformation: strategies for modernization and value creation

The advantages of cloud technologies are widely recognized, offering enhanced productivity, agility, resilience, and innovation. Despite these benefits, the Financial Services industry lags behind other sectors in adopting cloud technology. According to our Cloud Rotation Index study, only 15% of banks’ workloads…