Operazioni bancarie e cloud esclusivamente digitali per un futuro dominato dalla tecnologia
I leader del settore del digital banking discutono dell'impatto trasformativo dei portafogli digitali e della fintech sul settore bancario, evidenziando l'innovazione, le esigenze dei consumatori e le tendenze emergenti che influenzano il futuro della finanza.
In collaborazione con Media City
ALTRE INFORMAZIONI : http://it.euronews.com/2025/05/21/il-passaggio-a-operazioni-bancarie-e-cloud-esclusivamente-digitali-per-un-futuro-dominato-
Abbonati, euronews è disponibile in 12 lingue.
I leader del settore del digital banking discutono dell'impatto trasformativo dei portafogli digitali e della fintech sul settore bancario, evidenziando l'innovazione, le esigenze dei consumatori e le tendenze emergenti che influenzano il futuro della finanza.
In collaborazione con Media City
ALTRE INFORMAZIONI : http://it.euronews.com/2025/05/21/il-passaggio-a-operazioni-bancarie-e-cloud-esclusivamente-digitali-per-un-futuro-dominato-
Abbonati, euronews è disponibile in 12 lingue.
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00:01Digital wallets, fintech and neobanks are transforming banking through innovation.
00:07As 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 advancements 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 digitalisation.
01:50We're excited about digital banking.
01:53I think today, this is the talk.
01:56Everybody wants to apply for a digital banking licence.
01:59We 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 seamless banking service worldwide.
02:15We have a presence all the way from the UK all the way to China.
02:21We are in more than 28 countries.
02:23Banking is evolving and is advancing to the next stage
02:27because of technology.
02:28Today, the spending on technology is huge.
02:30The 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 Forneris 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 new digital players
03:02known as neobanks are making their marks.
03:06They are banks that operate mainly online
03:08without 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,
03:56it'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
04:06are 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 made it recently
04:14because there were plenty 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 haven't 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.
04:31I love to have something,
04:33I can talk about something,
04:36I can talk about someone.
04:37It's still a startup,
04:38so for sure,
04:39I don't want to put all their capital on top.
04:40According 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.
04:56Other 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.
05:17We 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,
05:27for 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,
05:43you 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 for companies.
05:52Because then I have to expand,
05:54I have to do more integrations.
05:55In terms of new technologies,
05:57where we're seeing encryption,
05:59authentication,
05:59we 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 future of stable coins.
06:12Stable coins at USCC, USEP,
06:15I think it's 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 its transformable laptop
06:32with a screen that can flip and fold.
06:35The device features a high-resolution display
06:37with touch capabilities.
06:39It provides users with 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 has worked
06:52to reposition itself,
06:54focusing on its core product strengths
06:56like cable knit sweaters and blazers.
06:58Effective marketing such as being chosen
07:01to dress the US Olympic team
07:02has continued to strengthen its trendy image.
07:06And Zoom is set to release
07:07its first quarter 2026 financial results.
07:11The video conferencing company
07:12has made various technological advancements.
07:15This 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.
07:25So, while the banking behemoths of the world
07:29still dominate the financial services market,
07:32digitalization and innovation
07:33are essential to compete
07:35with the emerging players.
07:37For consumers, this means learning
07:39to adapt to a new way of saving
07:40and spending their money
07:42and perhaps banking on a digital future.
07:44Well, 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.
07:55We'll see you next time.