I principali macro-trend per l'industria bancaria
The Italian banking sector is going through a phase of profound transformation, influenced by economic, social and technological challenges.
La digitisation is a prioritybut is progressing slowly due to still limited digital skills in the population and enterprises.
Despite the widespread use of the internet, the adoption of online banking services remains low, prompting banks to invest in innovationwith a focus on artificial intelligence, operational resilience and cybersecurity.
La cybersecurity is a critical area, with a significant increase in online attacks and scams.
To complicate the picture, there is a increasingly complex legislation and a still incomplete European integration, which limits market efficiency.
On the sustainabilityItalian banks perform well, but challenges remain related to climate risk assessment and the availability of reliable ESG data.
In addition, the sector faces structural problems such as theageing population, social inequalities and an undynamic labour market.
In this context, banks are called upon to play a strategic role, not just an operational one, to drive change and contribute to the sustainable development of the country.
For this, the ABI has set up Comitati con l’obiettivo di trovare soluzioni condivise e generare valore per l’intero sistema.
Innovation
To meet the new challenges, it is increasingly crucial to evolve legacy systems and adopt scalable, flexible and secure digital solutions […]
Security
La cybersecurity and information protection sensitive have become strategic priorities for the financial sector [...].
Regulation
Banking institutions must aact quickly to ensure full compliancewhile facing a significant increase in compliance costs [...].
Sustainability
Lo sustainable development becomes increasingly crucial, financial institutions are called upon to balancing economic growth with environmental protection and social welfare […]
Innovative services
Banks are facing an unprecedented structural transformation, driven by the increasing entry of new non-banking players […]
Internationalisation
L'ABI undertakes to represent the Italian banking world at the European institutions, contributing to the definition of policies and rules that determine the evolution of the financial system [...].
Demography and inequalities
Innovation in banking services must therefore respond in an integrated manner to the management of savings, investments and financial assetsbut also to the non-financial assets […]
