Banking remains a matter of trust - with people at the center. But the organization of your bank will change: more automation, more outsourcing, higher demands on qualifications and flexibility. The key question is: who will do what in the future? The operating model of tomorrow follows the long-term vision and strategy of your bank. On this basis, a target picture can be developed that integrates the entire spectrum of modern banking - and enables your bank to focus on its strengths.

Artificial intelligence has long since found its way into everyday life - and also into the banking world. The first use cases have been identified, but often without a clear strategic embedding. However, AI is too important to be treated selectively or in isolation - it will have a profound impact on processes, roles and corporate culture. One of the biggest challenges is to unite the organization and especially the employees behind AI initiatives - and to take their concerns and fears seriously. if this succeeds, AI will become a powerful lever for efficiency, innovation and sustainable competitiveness.

As if the digital transformation wasn't already complex enough, the question of where applications and data are operated is increasingly coming into focus. The choice of provider is becoming a strategic factor, and a clear vision for the IT architecture is crucial: it forms the basis for a powerful, secure and cost-efficient infrastructure. Today, a wide range of options are available for implementation - increasingly also with strong, superior solutions from European providers.

Even if a gold-rush mood has not yet broken out, data remains the future gold of the banking sector. Those who do not use their data effectively risk being at a considerable competitive disadvantage. On the way to a successful data strategy, however, a number of systemic challenges need to be overcome: old, product-oriented structures and the associated resistance to sharing data must be overcome.