Banking firm innovation within a dynamic regulatory environment will mark the coming year

New-age players, emerging technologies, and expanding regulatory compliance are transforming the retail banking landscape. Innovations, including generative AI and open banking, will distinguish competitive frontrunners.

In response, retail banks will balance resilience and innovation throughout the months ahead. They will lean into sustainability and cloud opportunities, and cater to expanding affluent wealth bands with tailored products and premium experiences. Strategic banks will fortify digital operational resilience amid increased regulatory scrutiny.

Read Retail banking Top Trends 2024 to explore strategic insights and tactical use cases on technological advancements and business initiatives – including generative AI, cloud and edge computing, and ESG data – that have the potential to reshape retail banking.

What’s Next for Retail Banking in 2025?

As the financial landscape continues to evolve, 2025 will be defined by:

  • AI-powered hyper-personalization driving differentiated customer experiences
  • Composable banking ecosystems enhancing flexibility and innovation
  • Embedded finance models extending financial services beyond traditional channels
  • Regulatory-driven digital resilience strategies ensuring compliance and security

Stay ahead of market transformations with the latest insights in our Retail Banking Trends report.

Download 2025 Retail Banking Trends Report