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| Part 1 | The year 2025 was also challenging for banks. What can they expect in 2026? We discussed this with our experts Andreas Mach, Rainer Wilken, and Stefan Baumann. This first part of our three-part series “Banking 2026” focuses on the challenges and opportunities for banks in 2026 and the role that artificial intelligence can play in this context.
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The government draft bill for the implementation of the Consumer Credit Directive (EU) 2023/2225 has been available since 3 September 2025. The scope of the previous general consumer loan law is being expanded to include, among other things, the regulation of „buy now, pay later“ schemes.
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The Open Risk and Reporting Platform (msg.ORRP) offers integrated data management that ensures a consistent and transparent database for risk management and regulatory reporting. This article explains the key aspects of data management and shows how these functions ensure data quality and effectively support users in their daily work.
banking.vision
Biodiversity is becoming an increasingly strategic issue in the financial sector. The decline in ecological diversity also has far-reaching consequences for banks.Find out why biodiversity is no longer a marginal issue for banks, what physical, transitional, and legal risks arise, and how data processes, regulations, and sustainable business models are responding to this.
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With the publication of the “Guidelines on environmental scenario analysis” (EBA/GL/2025/04) on November 4, 2025, the EBA provides a new framework for the role of scenario analysis in the context of climate risks. This blog article provides an overview of the new guidelines.
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IT GRC, i.e., the governance of IT, the management of IT risks, and compliance with external and internal requirements, is becoming increasingly important for banks and financial service providers in times of increased cyberattacks, growing digitalization, and stricter regulation. In a conversation with Prof. Dr. Josef Scherer, we discussed the legal foundations of IT/AI governance. It became clear that IT GRC is not a theoretical debate, but a concrete management task.
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Below, we highlight the implications of both regulatory initiatives by BaFin and the Bundesbank with regard to the distribution, production and management of credit institutions.
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The digital euro – the planned European Central Bank Digital Currency that is intended to make Europe’s payment transactions more secure, efficient, and future-proof – is gradually moving closer. We take a look at the current status and the next stages of the digital euro.