التحوُّل نحو خدمات مصرفية رقمية حصرية والعمليات السحابية في مستقبل قائم على التكنولوجيا

euronews (عــربي)

التحوُّل نحو خدمات مصرفية رقمية حصرية والعمليات السحابية في مستقبل قائم على التكنولوجيا  يناقش قادة قطاع الخدمات المصرفية الرقمية التأثير التحويلي للمحافظ الرقمية والتكنولوجيا المالية على الخدمات المصرفية، ويسلطون الضوء على الابتكار واحتياجات المستهلكين والاتجاهات الناشئة التي ترسم معالم مستقبل التمويل.  بالشراكة مع   لمزيد من القراءة :  http://arabic.euronews.com/2025/05/21/the-shift-towards-exclusive-digital-banking-services-and-cloud-operations-in-a-technology  سجل: يورونيوز متوفرة باثنا عشرة لغة

Transcript

00:01ست studied with Yousafal Neymar, Group 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

00:35to discuss the rise of new payment solutions

00:39Digital transformation is no longer optional

00:42it's essential for banks to remain competitive in a rapidly changing environment

00:47New 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

00:59will be made in the cloud

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

01:06reshaping how banks offer their services like digital cards and chatbots

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

01:14financial crime is becoming increasingly sophisticated

01:17prompting the need for stricter prevention measures

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

01:25while consumer fraud losses amounted to over $10 billion

01:30So, 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-Nema, Group Chief Business Officer of Qatar National Bank

01:43to discuss how a legacy bank like QNB is 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

01:59We are living in the digital era now

02:02And 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 because 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 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 new digital players known as neobanks are making their marks

03:05There 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

03:19The private bank convinced thousands to open free accounts in just minutes

03:24By offering them premium services and a host of attractive benefits

03:28They like discretion, they like data privacy and they like financial security

03:35They 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

03:43If you want you can be accompanied by a wealth advisor

03:47Directly through your phone

03:49And at the same time we keep evolving all the time

03:52We are purely digital

03:54We have no legacy at all

03:55So for us it's very easy to move

03:57It's very easy to be agile

03:59From one week to another one

04:00We are able to implement new technologies very fast

04:03Studies show that the Swiss are particularly loyal to their bank

04:07But 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 regrette pas

04:20Mais j'ai bien conservé une banque physique également en plus

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

04:27J'ai jamais pensé tout simplement

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

04:31J'aime bien avoir quelque chose vraiment

04:34Je peux discuter et avoir un contact avec quelqu'un

04:37C'est encore des start-up

04:38Donc forcément on va pas mettre tout son capital dessus

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

04:44Suisse retail banks are falling behind in digitalisation

04:48Giving neo-banks, like Alpian

04:51An opportunity to drive innovative change

04:54Over to you Leila

04:56Other than neo-banks, emerging trends in payment methods

04:59Are also shaking up traditional banking

05:02I spoke with Juan Pablo Ortega

05:04CEO and co-founder of UNO

05:07A company that provides innovative payment solutions

05:10To explore how alternative methods

05:12Are reshaping the financial landscape

05:15We have seen a rise of APMs

05:20Alternative payment methods

05:22So for a while companies used to expand

05:24Accepting credit cards and debit cards

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

05:29Only 20-30% of the population have a Visa or a Mastercard

05:33Most of the people use MARA

05:35Which is the local domestic scheme

05:37We go into Indonesia

05:39Indonesians love their wallets

05:41You have Ovo

05:43You have Dana

05:44You have GoPay

05:45You have GrabPay

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

05:49And we're seeing that this is a struggle for companies

05:52Because then I have to expand

05:53I have to do more integrations

05:54In terms of new technologies

05:56Where we're seeing encryption authentication

05:59We are the launch customer with Mastercard

06:02Of being able to pay with passkeys

06:04Passkeys are these cryptographic keys

06:06That you save in your device

06:08We're seeing a big feature of stablecoins

06:11Stablecoins at USCC, USEP

06:14I think it's going to become the norm

06:16As people want to pay around the world

06:18Now it's time for our regular feature

06:21Business in 60 Seconds

06:23Start the clock

06:24Lenovo is gearing up to announce Q4 2025 earnings

06:28Having recently unveiled its transformable laptop

06:31With a screen that can flip and fold

06:34The device features a high-resolution display

06:37With touch capabilities

06:38It provides users with an immersive visual experience

06:41Showcasing the company's focus

06:43On innovative product designs

06:45Ralph Lauren is preparing to reveal

06:47Its fourth quarter 2025 earnings report

06:49As the US fashion house has worked to reposition itself

06:53Focusing on its core product strengths

06:55Like cable knit sweaters

06:57And blazers

06:58Effective marketing such as being chosen to dress the US Olympic team

07:02Has continued to strengthen its trendy image

07:05And 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

07:24So while the banking behemoths of the world still dominate the financial services market

07:31Digitalisation and innovation are essential to compete with the emerging players

07:36For consumers, this means learning to adapt to a new way of saving and spending their money

07:41And perhaps banking on a digital future

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

07:47Thanks for watching

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

07:52And join us again next time on The Exchange

07:54On The Exchange

07:55On The Exchange

07:59How are we gonna be doing for partners

08:02And be sure to come forward to the first year

08:04We'll be able to subscribe to our website

08:06We will be forward to the first quarterасть

08:07So just for one minute

08:09To be happy with you

08:10We will be able to receive all the power to pay

08:11That's good

08:12To be happy with you

08:13And the next year

08:15We will be able to receive all of our products

08:16And the next year

08:17We're able to receive all of our products

08:18And we'll see more of that

08:20We'll be able to receive all of our products

08:21We'll be able to receive all of our products

Category

Transcript

Recommended