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From prediction to reality
What banking learned between 2022 and 2026
In 2022, we predicted the future of banking. Four years later, we reflect on what actually happened.
We spoke about process optimisation, ESG, and digitalisation. Those predictions were largely correct. But they also underestimated something fundamental: not the direction of change, but the speed of it.
This whitepaper reflects on the lessons learned between 2022 and 2026 and what they reveal about the future of financial services.
What’s inside
Topics covered in this whitepaper
Optimisation worked, until it didn’t
How banks digitised processes and what rigidity that created in return.
ESG: from ambition to execution
Why turning ESG goals into daily decision-making proved harder than expected.
Rethinking future-proof
What the past four years reveal about adaptability, and what that means for banking going forward.
“The future of banking is not defined by the right strategy. But by the ability to evolve when that strategy needs to change.”
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Which trends became reality? Where were we wrong? And could we have anticipated the rise of AI?
In this whitepaper we reflect on our 2022 predictions, the lessons learned, and what they reveal about the future of financial services. Practical, honest, and grounded in four years of hands-on experience in banking.