Ant Group regenerates its systems architecture around every three or four years to serve more than a billion customers. The sheer ability to deliver banking systems at such a scale is mind-blowing.

While banks are producing quite good results, mainly on the back of rising interest rates, why is this not being reflected in their market valuations?

While the Basel IV rules are focused on risk-weighted assets and how capital is allocated, already the industry is looking to the next iteration which will most likely seek to enable real-time monitoring and oversight.

Despite a significant uptick in digital payment methods, cash stubbornly refuses to die and is unlikely to disappear in the foreseeable future.

To be truly financially included, one needs to have a general understanding of how the financial system works. But should the next generation be learning about the existing system – or the emerging alternative?

The millennial generation will bring innovative ideas and approaches to the senior leadership table. But will that be enough to transform banks? 

Generative AI can be a useful tool to personalise and enhance the customer experience, but it can also be a weapon with which to gain unfair advantage in the markets.

It’s time to look beyond the doom and gloom headlines, as the companies that come out of this crisis will be stronger, better and more reliable.

The libertarian idea of decentralisation and using the power of the internet to create a better financial system may be gaining traction, but will it solve the crises inherent in economic cycles?

When a bank disappears from sight, can it still exist as a bank? The short answer is yes, in an invisible finance world.