Przyszłość oparta na technologii: bankowość w pełni cyfrowa i operacje w chmurze

euronews (po polsku)

Przyszłość oparta na technologii: bankowość w pełni cyfrowa i operacje w chmurze  Liderzy branży bankowości cyfrowej omawiają transformacyjny wpływ portfeli cyfrowych i technologii finansowych na bankowość, podkreślając innowacje, potrzeby konsumentów i pojawiające się trendy kształtujące przyszłość finansów.  We współpracy z Media City  CZYTAJ WIĘCEJ : http://pl.euronews.com/2025/05/21/przyszlosc-oparta-na-technologii-bankowosc-w-pelni-cyfrowa-i-operacje-w-chmurze  Zasubskrybuj nasz kanał.Euronews jest dostępny na Dailymotion w 12 językach

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00:01Digital wallets, fintech and neobanks are transforming banking through innovation.

00:06As more traditional banks take on a digital-first approach,

00:10we explore a future where technology is redefining our banking solutions.

00:17Welcome to The Exchange from our studio here in Doha.

00:21Coming up on this episode, we sit down with Yusuf Al-Neyma,

00:24Group Chief Business Officer at Qatar National Bank,

00:27who shares insights on embracing technology in banking.

00:31And we chat with Juan Pablo Ortega, CEO and co-founder of UNO,

00:36to discuss the rise of new payment solutions.

00:39Digital transformation is no longer optional.

00:43It's essential for banks to remain competitive in a rapidly changing environment.

00:48New technologies are drastically transforming the banking industry,

00:52with physical branches slowly being phased out.

00:55Operations across all departments like remittances,

00:58payments and investments will be made in the cloud.

01:02Innovations such as AI and automation are proving to be invaluable,

01:07reshaping how banks offer their services like digital cards and chatbots.

01:11On the flip side, with the advancement of AI,

01:15financial crime is becoming increasingly sophisticated,

01:18prompting the need for stricter prevention measures.

01:20Last year, over 50% of banks reported a rise in business fraud,

01:26while consumer fraud losses amounted to over $10 billion.

01:31So, how is the industry evolving in the digital era?

01:35And what does the future hold for traditional banks?

01:38I sat down with Yusuf Al-Neyma,

01:40Group Chief Business Officer of Qatar National Bank,

01:43to discuss how a legacy bank like QNB

01:46is embracing technology and digitalization.

01:49We're excited about digital banking.

01:53I think this is, today, this is the talk.

01:56Everybody wants to apply for a digital banking license.

02:00We are living in the digital era now.

02:03And soon, you will not see branches,

02:06probably in a couple of years ahead.

02:09Our strategy is really to provide

02:12seamless banking service worldwide.

02:15We have a presence all the way from the UK,

02:19all the way to China.

02:21We are in more than 28 countries.

02:23Banking is evolving and advancing to the next stage

02:27because of technology.

02:28Today, the spending on technology is huge.

02:31The rise of online-only digital banks, or neobanks,

02:35has dialed up competition in the financial services market,

02:39especially among younger consumers.

02:41Our reporter, Cyril Fornares, is in Switzerland,

02:44where neobanks are giving their traditional predecessors

02:47a run for their money.

02:50Hello, Laila.

02:51I'm here in Geneva,

02:53where financial institutions like banks

02:55are a normal part of the Swiss landscape.

02:58But that's quickly changing.

03:00New digital players,

03:02known as neobanks,

03:04are making their marks.

03:05There are banks that operate mainly online,

03:09without any physical branches.

03:11Let's take a look.

03:14Alpian is a neobank that coughed out a place for itself

03:18in this growing market.

03:20The private bank convinced thousands

03:21to open free accounts in just minutes

03:24by offering them premium services

03:26and a host of attractive benefits.

03:29They like discretion,

03:31they like data privacy,

03:32and they like financial security.

03:34They also like having a very good service.

03:37So how do you answer to this?

03:39Throughout our hybrid model,

03:41cutting-edge technology with human expertise.

03:44If you want,

03:44you can be accompanied by a wealth advisor

03:47directly through your phone.

03:49And at the same time,

03:50we keep evolving all the time.

03:53We are purely digital.

03:54We have no legacy at all.

03:56So for us, it's very easy to move.

03:57It's very easy to be agile.

03:59From one week to another one,

04:01we're able to implement new technologies very fast.

04:04Studies show that the Swiss are particularly loyal to their bank,

04:08but more are turning to digital banks every year.

04:11I have a physical bank and also an online bank.

04:14I've done it recently because there were a lot of advantages

04:16at the non-fraies in the foreign country.

04:19It's very practical in reality,

04:20I don't regret it,

04:21but I've well preserved a physical bank also in plus.

04:23I've not necessarily had the opportunity

04:25to create a bank in a online bank.

04:28I've never thought of it.

04:28Just simply,

04:29I've always had a bank with a physical bank.

04:31According to a report by financial experts

04:43at Deloitte,

04:44Swiss retail banks are falling behind in digitalization,

04:48giving neobanks like Alpian

04:51an opportunity to drive innovative change.

04:54Over to you, Leila.

04:55Other than neobanks,

04:58emerging trends in payment methods

05:00are also shaking up traditional banking.

05:02I spoke with Juan Pablo Ortega,

05:05CEO and co-founder of YouKnow,

05:07a company that provides innovative payment solutions

05:10to explore how alternative methods

05:13are reshaping the financial landscape.

05:15We have seen a rise of APMs,

05:20alternative payment methods.

05:22So for a while,

05:23companies used to expand

05:24accepting credit cards and debit cards.

05:26But then you look at, for example,

05:28Saudi Arabia.

05:30Only 20, 30% of the population

05:32have a visa or a MasterCard.

05:34Most of the people use MARA,

05:36which is the local domestic scheme.

05:38We go into Indonesia.

05:40Indonesians love their wallets.

05:42You have Ovo, you have Dana,

05:44you have GoPay,

05:45you have GrabPay.

05:46So we're seeing an emergence

05:48of different payment methods

05:50and we're seeing that this is a struggle

05:51for companies

05:52because then I have to expand,

05:54I have to do more integrations.

05:55In terms of new technologies

05:56where we're seeing encryption, authentication,

06:00we are the launch customer with MasterCard

06:02of being able to pay with passkeys.

06:05Passkeys are these cryptographic keys

06:07that you save in your device.

06:09We're seeing a big feature of stable coins.

06:12Stable coins at USDC, USD3,

06:15I think is going to become the norm

06:16as people want to pay around the world.

06:20Now it's time for our regular feature,

06:22Business in 60 Seconds.

06:24Start the clock.

06:25Lenovo is gearing up to announce

06:27Q4 2025 earnings,

06:29having recently unveiled

06:30its transformable laptop

06:32with a screen that can flip and fold.

06:34The device features a high-resolution display

06:37with touch capabilities.

06:39It provides users

06:40with an immersive visual experience

06:42showcasing the company's focus

06:43on innovative product designs.

06:46Ralph Lauren is preparing to reveal

06:48its fourth quarter 2025 earnings report

06:50as the US fashion house

06:51has worked to reposition itself

06:53focusing on its core product strengths

06:56like cable knit sweaters and blazers.

06:59Effective marketing,

07:00such as being chosen to dress

07:01the US Olympic team,

07:03has continued to strengthen

07:04its trendy image.

07:05And Zoom is set to release

07:07its first quarter 2026 financial results.

07:11The video conferencing company

07:12has made various technological advancements.

07:14This includes the new Zoom business services

07:17for marketing, customer care and sales.

07:20It's also enhanced its offering

07:22for content creation and asset management.

07:26So while the banking behemoths of the world

07:29still dominate the financial services market,

07:31digitalization and innovation

07:33are essential to compete

07:35with the emerging players.

07:37For consumers,

07:38this means learning to adapt

07:39to a new way of saving

07:40and spending their money

07:42and perhaps banking on a digital future.

07:45Well, that's all the time we have for

07:47on this edition of the show.

07:48Thanks for watching.

07:49Please do check out euronews.com

07:51for all your latest business news

07:52and join us again next time

07:54on The Exchange.

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