{"id":42382,"date":"2025-05-27T15:20:14","date_gmt":"2025-05-27T13:20:14","guid":{"rendered":"https:\/\/abi-newsite.azurewebsites.net\/?page_id=42382"},"modified":"2026-03-24T17:25:50","modified_gmt":"2026-03-24T16:25:50","slug":"i-macro-trend","status":"publish","type":"page","link":"https:\/\/www.abi.it\/en\/i-macro-trend\/","title":{"rendered":"The macro-trend"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"42382\" class=\"elementor elementor-42382\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d89f9e e-flex e-con-boxed e-con e-parent\" data-id=\"5d89f9e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<section class=\"elementor-element elementor-element-d82004a e-con-full e-flex e-con e-child\" data-id=\"d82004a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c5a39f9 elementor-align-left elementor-widget elementor-widget-breadcrumbs\" data-id=\"c5a39f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<nav id=\"breadcrumbs\"><span><span><a href=\"https:\/\/abi-newsite.azurewebsites.net\/\">Home<\/a><\/span><\/span><\/nav>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t<section class=\"elementor-element elementor-element-511a93b e-con-full e-flex e-con e-child\" data-id=\"511a93b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4de7a8a e-flex e-con-boxed e-con e-child\" data-id=\"4de7a8a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3019a25 elementor-widget elementor-widget-heading\" data-id=\"3019a25\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">I principali macro-trend per l'industria bancaria<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f02d28 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"3f02d28\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner\" data-wow-delay=\"ms\">\n\t\t<p>The Italian banking sector is going through a phase of<strong> profound transformation, influenced by economic, social and technological challenges<\/strong>.<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-97710b3 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"97710b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner\" data-wow-delay=\"ms\">\n\t\t<p>La <strong>digitisation is a priority<\/strong>but is progressing slowly due to still limited digital skills in the population and enterprises.<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a609c6 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"9a609c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner\" data-wow-delay=\"ms\">\n\t\t<p>Despite the widespread use of the internet, the adoption of online banking services remains low, prompting banks to invest in <strong>innovation<\/strong>with a focus on artificial intelligence, operational resilience and cybersecurity.<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b385917 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"b385917\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner\" data-wow-delay=\"ms\">\n\t\t<p>La <strong>cybersecurity<\/strong> is a critical area, with a significant increase in online attacks and scams.<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-94bf0b7 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"94bf0b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner\" data-wow-delay=\"ms\">\n\t\t<p>To complicate the picture, there is a <strong>increasingly complex legislation<\/strong> and a still incomplete European integration, which limits market efficiency.<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aca3951 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"aca3951\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner\" data-wow-delay=\"ms\">\n\t\t<p>On the <strong>sustainability<\/strong>Italian banks perform well, but challenges remain related to climate risk assessment and the availability of reliable ESG data.<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a6aacc elementor-widget elementor-widget-pxl_text_editor\" data-id=\"5a6aacc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner\" data-wow-delay=\"ms\">\n\t\t<p>In addition, the sector faces structural problems such as the<strong>ageing population, social inequalities and an undynamic labour market<\/strong>.<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44a5cd6 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"44a5cd6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner\" data-wow-delay=\"ms\">\n\t\t<p>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.<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d223839 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"d223839\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner\" data-wow-delay=\"ms\">\n\t\t<p>For this, the ABI has set up <strong>Comitati<\/strong> con l\u2019obiettivo di trovare soluzioni condivise e generare valore per l\u2019intero sistema.<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a45824c elementor-widget__width-auto elementor-widget elementor-widget-html\" data-id=\"a45824c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- LinkedIn Share Button -->\r\n\r\n<script>\r\nfunction openLinkedInShare() {\r\n  const currentURL = window.location.href;\r\n  const shareURL = `https:\/\/www.linkedin.com\/sharing\/share-offsite\/?url=${encodeURIComponent(currentURL)}`;\r\n  \r\n  const width = 600;\r\n  const height = 600;\r\n  const left = (window.screen.width - width) \/ 2;\r\n  const top = (window.screen.height - height) \/ 2;\r\n\r\n  window.open(\r\n    shareURL,\r\n    'linkedin-share',\r\n    `width=${width},height=${height},top=${top},left=${left},resizable=yes,scrollbars=yes`\r\n  );\r\n\r\n  return false;\r\n}\r\n<\/script>\r\n\r\n<div id=\"linkedin-share-btn-container\">\r\n  <a \r\n    href=\"#\" \r\n    onclick=\"return openLinkedInShare();\" \r\n    target=\"_blank\" \r\n    rel=\"noopener noreferrer\" \r\n    class=\"linkedin-share-button\" \r\n    aria-label=\"Share this article on LinkedIn\"\r\n  >\r\n    <svg \r\n      xmlns=\"http:\/\/www.w3.org\/2000\/svg\" \r\n      viewbox=\"0 0 24 24\" \r\n      role=\"img\" \r\n      aria-hidden=\"true\"\r\n    >\r\n      <path d=\"M19 0h-14c-2.76 0-5 2.24-5 5v14c0 2.76 2.24 5 5                5h14c2.76 0 5-2.24 5-5v-14c0-2.76-2.24-5-5-5zm-11                19h-3v-10h3v10zm-1.5-11.28c-.966 0-1.75-.79-1.75-1.76                0-.97.784-1.76 1.75-1.76s1.75.79                1.75 1.76c0 .97-.784 1.76-1.75                1.76zm13.5 11.28h-3v-5.6c0-3.36-4-3.1-4                0v5.6h-3v-10h3v1.4c1.4-2.58                7-2.78 7 2.48v6.12z\"\/>\r\n    <\/svg>\r\n  <\/a>\r\n<\/div>\r\n\r\n<style>\r\n#linkedin-share-btn-container {\r\n   margin-top: 50px;\r\n}\r\n\r\n.linkedin-share-button {\r\n  position: relative;\r\n  display: flex;\r\n  align-items: center;\r\n  justify-content: center;\r\n  width: 35px;\r\n  height: 35px;\r\n  border-radius: 3px;\r\n  text-decoration: none;\r\n  transition: scale 0.3s ease;\r\n}\r\n\r\n.linkedin-share-button:hover,\r\n.linkedin-share-button:focus {\r\n  scale: 1.1;\r\n  outline: none;\r\n}\r\n\r\n.linkedin-share-button svg {\r\n  position: absolute;\r\n  top: 0px;\r\n  left: 0px;\r\n  bottom: 0px;\r\n  right: 0px;\r\n  fill: #1E5580;\r\n  width: 35px;\r\n  height: 35px;\r\n}\r\n<\/style>\r\n\r\n\r\n\r\n\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-326a25b e-con-full e-flex e-con e-child\" data-id=\"326a25b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f202122 e-con-full e-flex e-con e-child\" data-id=\"f202122\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9cabe0b elementor-widget elementor-widget-image\" data-id=\"9cabe0b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"260\" src=\"\/wp-content\/uploads\/2025\/05\/1-1024x260.jpg\" class=\"attachment-large size-large wp-image-42384\" alt=\"\" srcset=\"\/wp-content\/uploads\/2025\/05\/1-1024x260.jpg 1024w, \/wp-content\/uploads\/2025\/05\/1-300x76.jpg 300w, \/wp-content\/uploads\/2025\/05\/1-768x195.jpg 768w, \/wp-content\/uploads\/2025\/05\/1-18x5.jpg 18w, \/wp-content\/uploads\/2025\/05\/1-1170x297.jpg 1170w, \/wp-content\/uploads\/2025\/05\/1.jpg 1180w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fa47b52 e-con-full e-flex e-con e-child\" data-id=\"fa47b52\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b09fa1a elementor-widget elementor-widget-heading\" data-id=\"b09fa1a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Innovation<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf29030 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"cf29030\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>To meet the new challenges, it is increasingly crucial to evolve legacy systems and adopt <strong>scalable, flexible and secure digital solutions <\/strong>[&#8230;]<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c595db7 elementor-view-default elementor-invisible elementor-widget elementor-widget-icon\" data-id=\"c595db7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon elementor-animation-bounce-in\" href=\"\/en\/i-macro-trend\/innovazione\/\" aria-label=\"&quot;Go to the Innovation page\">\n\t\t\t<i aria-hidden=\"true\" class=\"fal fa-chevron-double-right\"><\/i>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-34710bd e-con-full e-flex e-con e-child\" data-id=\"34710bd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5109c40 elementor-widget elementor-widget-image\" data-id=\"5109c40\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"260\" src=\"\/wp-content\/uploads\/2025\/05\/2-1024x260.jpg\" class=\"attachment-large size-large wp-image-42397\" alt=\"\" srcset=\"\/wp-content\/uploads\/2025\/05\/2-1024x260.jpg 1024w, \/wp-content\/uploads\/2025\/05\/2-300x76.jpg 300w, \/wp-content\/uploads\/2025\/05\/2-768x195.jpg 768w, \/wp-content\/uploads\/2025\/05\/2-18x5.jpg 18w, \/wp-content\/uploads\/2025\/05\/2-1170x297.jpg 1170w, \/wp-content\/uploads\/2025\/05\/2.jpg 1180w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cde9b55 e-con-full e-flex e-con e-child\" data-id=\"cde9b55\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-95d3fa1 elementor-widget elementor-widget-heading\" data-id=\"95d3fa1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Security<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b042cfd elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"b042cfd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La <strong>cybersecurity and information protection <\/strong>sensitive have become strategic priorities for the financial sector [...].<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5af81ef elementor-view-default elementor-invisible elementor-widget elementor-widget-icon\" data-id=\"5af81ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon elementor-animation-bounce-in\" href=\"\/en\/i-macro-trend\/sicurezza\/\" aria-label=\"&quot;Go to Security page&quot;\">\n\t\t\t<i aria-hidden=\"true\" class=\"fal fa-chevron-double-right\"><\/i>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b2818eb e-con-full e-flex e-con e-child\" data-id=\"b2818eb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3f26250 elementor-widget elementor-widget-image\" data-id=\"3f26250\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"260\" src=\"\/wp-content\/uploads\/2025\/05\/3-1024x260.jpg\" class=\"attachment-large size-large wp-image-42398\" alt=\"\" srcset=\"\/wp-content\/uploads\/2025\/05\/3-1024x260.jpg 1024w, \/wp-content\/uploads\/2025\/05\/3-300x76.jpg 300w, \/wp-content\/uploads\/2025\/05\/3-768x195.jpg 768w, \/wp-content\/uploads\/2025\/05\/3-18x5.jpg 18w, \/wp-content\/uploads\/2025\/05\/3-1170x297.jpg 1170w, \/wp-content\/uploads\/2025\/05\/3.jpg 1180w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d0e8dab e-con-full e-flex e-con e-child\" data-id=\"d0e8dab\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12acd9f elementor-widget elementor-widget-heading\" data-id=\"12acd9f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Regulation<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-96f786a elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"96f786a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Banking institutions must a<strong>act quickly to ensure full compliance<\/strong>while facing a significant increase in compliance costs [...].<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e6cce3 elementor-view-default elementor-invisible elementor-widget elementor-widget-icon\" data-id=\"9e6cce3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon elementor-animation-bounce-in\" href=\"\/en\/i-macro-trend\/regolamentazione\/\" aria-label=\"&quot;Go to the Regulation page&quot;\">\n\t\t\t<i aria-hidden=\"true\" class=\"fal fa-chevron-double-right\"><\/i>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-41d026a e-con-full e-flex e-con e-child\" data-id=\"41d026a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-00aa9e6 elementor-widget elementor-widget-image\" data-id=\"00aa9e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"260\" src=\"\/wp-content\/uploads\/2025\/05\/4-1024x260.jpg\" class=\"attachment-large size-large wp-image-42399\" alt=\"\" srcset=\"\/wp-content\/uploads\/2025\/05\/4-1024x260.jpg 1024w, \/wp-content\/uploads\/2025\/05\/4-300x76.jpg 300w, \/wp-content\/uploads\/2025\/05\/4-768x195.jpg 768w, \/wp-content\/uploads\/2025\/05\/4-18x5.jpg 18w, \/wp-content\/uploads\/2025\/05\/4-1170x297.jpg 1170w, \/wp-content\/uploads\/2025\/05\/4.jpg 1180w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-02de5e8 e-con-full e-flex e-con e-child\" data-id=\"02de5e8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-93409f2 elementor-widget elementor-widget-heading\" data-id=\"93409f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Sustainability<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-116ad10 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"116ad10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Lo <strong>sustainable development<\/strong> becomes increasingly crucial, financial institutions are called upon to <strong>balancing economic growth with environmental protection and social welfare<\/strong> [&#8230;]<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0eab5f1 elementor-view-default elementor-invisible elementor-widget elementor-widget-icon\" data-id=\"0eab5f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon elementor-animation-bounce-in\" href=\"\/en\/i-macro-trend\/sostenibilita\/\" aria-label=\"&quot;Go to Sustainability page\">\n\t\t\t<i aria-hidden=\"true\" class=\"fal fa-chevron-double-right\"><\/i>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4f6c3d6 e-con-full e-flex e-con e-child\" data-id=\"4f6c3d6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a170ff6 elementor-widget elementor-widget-image\" data-id=\"a170ff6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"260\" src=\"\/wp-content\/uploads\/2025\/05\/5-1024x260.jpg\" class=\"attachment-large size-large wp-image-42400\" alt=\"\" srcset=\"\/wp-content\/uploads\/2025\/05\/5-1024x260.jpg 1024w, \/wp-content\/uploads\/2025\/05\/5-300x76.jpg 300w, \/wp-content\/uploads\/2025\/05\/5-768x195.jpg 768w, \/wp-content\/uploads\/2025\/05\/5-18x5.jpg 18w, \/wp-content\/uploads\/2025\/05\/5-1170x297.jpg 1170w, \/wp-content\/uploads\/2025\/05\/5.jpg 1180w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fccf082 e-con-full e-flex e-con e-child\" data-id=\"fccf082\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d65d231 elementor-widget elementor-widget-heading\" data-id=\"d65d231\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Innovative services<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c73ce2 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"3c73ce2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Banks are facing an unprecedented structural transformation, <strong>driven by the increasing entry of new non-banking players <\/strong>[&#8230;]<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c1863a elementor-view-default elementor-invisible elementor-widget elementor-widget-icon\" data-id=\"3c1863a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon elementor-animation-bounce-in\" href=\"\/en\/i-macro-trend\/servizi-innovativi\/\" aria-label=\"&quot;Go to the Innovative Services page\">\n\t\t\t<i aria-hidden=\"true\" class=\"fal fa-chevron-double-right\"><\/i>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e1f0a52 e-con-full e-flex e-con e-child\" data-id=\"e1f0a52\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f2fafa2 elementor-widget elementor-widget-image\" data-id=\"f2fafa2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"260\" src=\"\/wp-content\/uploads\/2025\/05\/6-1024x260.jpg\" class=\"attachment-large size-large wp-image-42401\" alt=\"\" srcset=\"\/wp-content\/uploads\/2025\/05\/6-1024x260.jpg 1024w, \/wp-content\/uploads\/2025\/05\/6-300x76.jpg 300w, \/wp-content\/uploads\/2025\/05\/6-768x195.jpg 768w, \/wp-content\/uploads\/2025\/05\/6-18x5.jpg 18w, \/wp-content\/uploads\/2025\/05\/6-1170x297.jpg 1170w, \/wp-content\/uploads\/2025\/05\/6.jpg 1180w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2eeaac7 e-con-full e-flex e-con e-child\" data-id=\"2eeaac7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2eee71e elementor-widget elementor-widget-heading\" data-id=\"2eee71e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Internationalisation<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-935ac52 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"935ac52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L'<strong>ABI<\/strong> 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 [...].<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cdb32ce elementor-view-default elementor-invisible elementor-widget elementor-widget-icon\" data-id=\"cdb32ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon elementor-animation-bounce-in\" href=\"\/en\/i-macro-trend\/internazionalizzazione\/\" aria-label=\"&quot;Go to the Internationalisation page\">\n\t\t\t<i aria-hidden=\"true\" class=\"fal fa-chevron-double-right\"><\/i>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-768962f e-con-full e-flex e-con e-child\" data-id=\"768962f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8154671 elementor-widget elementor-widget-image\" data-id=\"8154671\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"260\" src=\"\/wp-content\/uploads\/2025\/05\/7-1024x260.jpg\" class=\"attachment-large size-large wp-image-42402\" alt=\"\" srcset=\"\/wp-content\/uploads\/2025\/05\/7-1024x260.jpg 1024w, \/wp-content\/uploads\/2025\/05\/7-300x76.jpg 300w, \/wp-content\/uploads\/2025\/05\/7-768x195.jpg 768w, \/wp-content\/uploads\/2025\/05\/7-18x5.jpg 18w, \/wp-content\/uploads\/2025\/05\/7-1170x297.jpg 1170w, \/wp-content\/uploads\/2025\/05\/7.jpg 1180w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9d35a2d e-con-full e-flex e-con e-child\" data-id=\"9d35a2d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ee16d5e elementor-widget elementor-widget-heading\" data-id=\"ee16d5e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Demography and inequalities<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62b3f02 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"62b3f02\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Innovation in banking services must therefore respond in an integrated manner to the management of savings, investments and <strong>financial assets<\/strong>but also to the <strong>non-financial assets <\/strong>[&#8230;]<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6a85e7 elementor-view-default elementor-invisible elementor-widget elementor-widget-icon\" data-id=\"b6a85e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon elementor-animation-bounce-in\" href=\"\/en\/i-macro-trend\/demografie-e-disuguaglianze\/\" aria-label=\"&quot;Go to the Demography and Inequalities page\">\n\t\t\t<i aria-hidden=\"true\" class=\"fal fa-chevron-double-right\"><\/i>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7d41fca e-con-full e-flex e-con e-child\" data-id=\"7d41fca\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b0cdd5f elementor-widget elementor-widget-image\" data-id=\"b0cdd5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"260\" src=\"\/wp-content\/uploads\/2025\/05\/8-1024x260.jpg\" class=\"attachment-large size-large wp-image-42403\" alt=\"\" srcset=\"\/wp-content\/uploads\/2025\/05\/8-1024x260.jpg 1024w, \/wp-content\/uploads\/2025\/05\/8-300x76.jpg 300w, \/wp-content\/uploads\/2025\/05\/8-768x195.jpg 768w, \/wp-content\/uploads\/2025\/05\/8-18x5.jpg 18w, \/wp-content\/uploads\/2025\/05\/8-1170x297.jpg 1170w, \/wp-content\/uploads\/2025\/05\/8.jpg 1180w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5fadb52 e-con-full e-flex e-con e-child\" data-id=\"5fadb52\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2da9498 elementor-widget elementor-widget-heading\" data-id=\"2da9498\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Human Capital<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14a1a2c elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"14a1a2c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Staff retraining <\/strong>e <strong>digital skills enhancement<\/strong>to create a working environment conducive to the<strong>innovation<\/strong>, l'<strong>continuous learning<\/strong> and the <strong>collaboration<\/strong> [&#8230;]<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08c1c86 elementor-view-default elementor-invisible elementor-widget elementor-widget-icon\" data-id=\"08c1c86\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon elementor-animation-bounce-in\" href=\"\/en\/i-macro-trend\/capitale-umano\/\" aria-label=\"&quot;Go to the Human Capital page\">\n\t\t\t<i aria-hidden=\"true\" class=\"fal fa-chevron-double-right\"><\/i>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>I principali macro-trend per l&#8217;industria bancaria Il settore bancario italiano sta attraversando una fase di profonda trasformazione, influenzata da sfide economiche, sociali e tecnologiche. La digitalizzazione \u00e8 una priorit\u00e0, ma procede lentamente a causa di competenze digitali ancora limitate nella popolazione e nelle imprese. Nonostante l\u2019uso diffuso di internet, l\u2019adozione dei servizi bancari online resta [&hellip;]<\/p>","protected":false},"author":7,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-42382","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>I macro-trend - ABI - Associazione Bancaria Italiana<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.abi.it\/en\/i-macro-trend\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"I macro-trend - ABI - Associazione Bancaria Italiana\" \/>\n<meta property=\"og:description\" content=\"I principali macro-trend per l&#8217;industria bancaria Il settore bancario italiano sta attraversando una fase di profonda trasformazione, influenzata da sfide economiche, sociali e tecnologiche. La digitalizzazione \u00e8 una priorit\u00e0, ma procede lentamente a causa di competenze digitali ancora limitate nella popolazione e nelle imprese. 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