We all face many new challenges, some more intense, others less complex. These result in increasingly far-reaching and, above all, more intricate changes to the processes and structures.

Low interest rates, regulation, and digitisation are currently the biggest challenges faced by banking institutions. Falling margins, customers who shop around, and complex requirements, especially in terms of supervisory law, risk management, corporate governance, and compliance, all add to the increased pressure.

Banks are changing, and the rethinking of business strategies and realignment of the financial services sector is already in full swing.