Fintech vs. Banking? Why Europe Is Entering a New Innovation Era
summary
Banks are acquiring fintechs and rebuilding cores to ship modular services faster, using API-driven modular stacks and instant rails so payments and product bundles launch within a 3–5 year horizon; AI focuses on data integrity and AI governance (not robo-advice) to make personalization auditable; compliance shifts to ICT resilience under rules like the Digital Operational Resilience Act; open finance and embedded wallets turn platforms into distribution channels with banks and PSPs competing on integration speed.
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chapters (8)
- 0:00Start
- 0:04Introduction
- 0:28Banking Meets Fintech
- 1:48AI & Data Integrity
- 3:35API Security
- 4:50Tech & Compliance Risks
- 6:20Bridging Banking & Fintech
- 7:36Future of Payments in Europe
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