Banca digital y operaciones en la nube para un futuro impulsado por la tecnología

euronews (en español)

21/5/2025

Banca digital y operaciones en la nube para un futuro impulsado por la tecnología

Los líderes del sector de la banca digital debaten el impacto transformador de los monederos digitales y las tecnofinanzas en la banca, destacando la innovación, las necesidades de los consumidores y las tendencias emergentes que configuran el futuro de las finanzas.

En colaboración con Media City

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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, payments 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, we will not see branches, probably, 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 advancing to the next stage because of technology.

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

02:30The rise of online-only digital banks or neobanks has dialed up competition

02:37in the financial services market, especially among younger consumers.

02:41Our reporter Cyril Fornares is in Switzerland,

02:44where neobanks are giving their traditional predecessors a run for their money.

02:49Hello, Laila, I'm here in Geneva,

02:53where financial institutions like banks are a normal part of the Swiss landscape.

02:58But that's quickly changing.

03:00New digital players known as neobanks are making their marks.

03:06They are banks that operate mainly online without any physical branches.

03:11Let's take a look.

03:12Alpian is a neobank that coughed out a place for itself in this growing market.

03:20The private bank convinced thousands to open free accounts in just minutes

03:24by offering them premium services and 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?

03:38We'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.

04:11J'ai une banque physique et aussi une banque en ligne.

04:14Je l'ai fait récemment parce qu'il y avait plein d'avantages

04:16au niveau des non-frais à l'étranger.

04:19C'est très pratique en réalité, je ne regrette pas,

04:21mais j'ai bien conservé une banque physique également en plus.

04:23Je n'ai pas forcément eu l'occasion de créer un compte dans une banque en ligne.

04:28Je n'y ai jamais pensé, tout simplement.

04:29J'ai toujours un compte avec une banque en physique.

04:31J'aime bien avoir quelque chose, vraiment,

04:35je peux discuter, avoir un contact avec quelqu'un.

04:37C'est encore des startups, donc forcément on ne va pas mettre tout son capital dessus.

04:40According to a report by financial experts at Deloitte,

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

04:48giving neobanks like Alpien an opportunity to drive innovative change.

04:54Over to you, Leila.

04:55Other than neobanks, emerging trends in payment methods are also shaking up traditional banking.

05:02I spoke with Juan Pablo Ortega, CEO and co-founder of UNO,

05:07a company that provides innovative payment solutions

05:10to explore how alternative methods are reshaping the financial landscape.

05:15We have seen a rise of APMs, alternative payment methods.

05:22So for a while, companies used to expand accepting credit cards and debit cards.

05:26But then you look at, for example, Saudi Arabia.

05:30Only 20, 30% of the population have a visa or a Mastercard.

05:34Most of the people use MARA, which is the local domestic scheme.

05:38We go into Indonesia.

05:40Indonesians love their wallets.

05:42You have Ovo, you have Dana, you have GoPay, you have GrabPay.

05:46So we're seeing an emergence of different payment methods

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

05:52because then I have to expand, I have to do more integrations.

05:55In terms of new technologies where we're seeing encryption, authentication,

06:00we are the launch customer with Mastercard of being able to pay with passkeys.

06:04Passkeys are these cryptographic keys that you save in your device.

06:09We're seeing a big future of stablecoins.

06:12Stablecoins like USEC, USE3, I 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, Business in 60 Seconds.

06:24Start the clock.

06:25Lenovo is gearing up to announce Q4 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 with touch capabilities.

06:39It provides users with an immersive visual experience,

06:42showcasing the company's focus on innovative product designs.

06:46Ralph Lauren is preparing to reveal its fourth quarter 2025 earnings report

06:50as the US fashion house has worked to reposition itself,

06:54focusing on its core product strengths like cable knit sweaters and blazers.

06:59Effective marketing such as being chosen to dress the US Olympic team

07:02has continued to strengthen its trendy image.

07:06And Zoom is set to release its first quarter 2026 financial results.

07:10The video conferencing company has made various technological advancements.

07:14This includes the new Zoom business services for marketing, customer care and sales.

07:20It's also enhanced its offering for content creation and asset management.

07:25So, while the banking behemoths of the world still dominate the financial services market,

07:32digitalisation and innovation are essential to compete with the emerging players.

07:37For consumers, this means learning to adapt to a new way of saving and spending their money,

07:42and perhaps banking on a digital future.

07:44Well, that's all the time we have for on this edition of the show.

07:48Thanks for watching.

07:49Please do check out euronews.com for all your latest business news.

07:53And join us again next time on The Exchange.

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