{"id":180438,"date":"2025-03-19T04:55:15","date_gmt":"2025-03-19T08:55:15","guid":{"rendered":"https:\/\/innowise.com\/?p=180438"},"modified":"2026-03-27T09:23:05","modified_gmt":"2026-03-27T13:23:05","slug":"digital-banking-trends","status":"publish","type":"post","link":"https:\/\/innowise.com\/es\/blog\/digital-banking-trends\/","title":{"rendered":"La banca digital en 2025: 12 tendencias para adelantarse"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"180438\" class=\"elementor elementor-180438\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-41a63f8 main-block elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"41a63f8\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2d089ad\" data-id=\"2d089ad\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3a1b6ca elementor-widget__width-initial elementor-widget elementor-widget-html\" data-id=\"3a1b6ca\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"breadcrumbs flex\">\n    <div class=\"info\"> \n    <a href=\"https:\/\/innowise.com\/\">\n  Main\n  <\/a>\n    <\/div>\n    <div class=\"info\">\n         <a href=\"https:\/\/innowise.com\/about-us\/\">\n  About us\n  <\/a>\n    <\/div>\n     <div class=\"info\">\n          <a href=\"https:\/\/innowise.com\/blog\/\">\n  Blog\n  <\/a>\n    <\/div>\n<\/div>\n<script type=\"application\/ld+json\">\n{\n  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class=\"article-info flex\">\n    <div class=\"info\">10 min<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3bff812 elementor-widget__width-initial elementor-widget-tablet__width-inherit main-h1 elementor-widget elementor-widget-heading\" data-id=\"3bff812\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Digital banking in 2025: 12 trends to get yourself a leg up<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d8e42ce elementor-widget__width-initial elementor-widget elementor-widget-shortcode\" data-id=\"d8e42ce\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">[display_tags]<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e74c21c article-description elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e74c21c\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-9ff5c0a author-article\" data-id=\"9ff5c0a\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b7c02bf e-flex e-con-boxed e-con e-parent\" data-id=\"b7c02bf\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ab26bc8 elementor-widget elementor-widget-shortcode\" data-id=\"ab26bc8\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">[summarize_button_ai]<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-05ab36f e-con-full e-flex e-con e-parent\" data-id=\"05ab36f\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dd356c8 elementor-widget elementor-widget-text-editor\" data-id=\"dd356c8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">A recent study by <\/span><a href=\"https:\/\/www.mckinsey.com\/industries\/financial-services\/our-insights\/fintechs-a-new-paradigm-of-growth#\/\" target=\"_blank\" rel=\"noopener nofollow\"><span style=\"font-weight: 400;\">McKinsey &amp; Company<\/span><\/a><span style=\"font-weight: 400;\"> found that <\/span><b>73% of global banking interactions now happen through digital channels<\/b><span style=\"font-weight: 400;\">. The message for banks? Step up or get left behind.<\/span><\/p><p><span style=\"font-weight: 400;\">Digital banking is here to stay for good, and it\u2019s only getting bigger. Just look at the numbers: the global digital banking market is projected to hit <\/span><a href=\"https:\/\/www.researchandmarkets.com\/reports\/1206754\/digital_banking_global_strategic_business_report?utm_source=CI&amp;utm_medium=PressRelease&amp;utm_code=wqz9jp&amp;utm_campaign=1600080+-+Global+Digital+Banking+Markets+Report+2021-2026+-+The+Rise+of+the+On-Demand+Economy+%26+Customer+Self-Service+Tilts+Digital+Banking+Technologies+into+the+Mass+Adoption+Stage&amp;utm_exec=chdo54prd\" target=\"_blank\" rel=\"noopener nofollow\"><span style=\"font-weight: 400;\">$79.4 billion by 2030<\/span><\/a><span style=\"font-weight: 400;\">. The competition is fierce, and success comes from leading the charge, not just keeping up.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ae8292 elementor-widget__width-initial elementor-widget elementor-widget-html\" data-id=\"1ae8292\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"numbers_container\">\n    <div class=\"number-item\">\n        <span class=\"number\">73%<\/span>\n        <div class=\"text-wrapper\">\n            <span class=\"number-text\">of the world\u2019s interactions with banks take place through digital channels<\/span>\n            <span class=\"source\">Source: <a href=\"https:\/\/www.mckinsey.com\/industries\/financial-services\/our-insights\/fintechs-a-new-paradigm-of-growth#\/\" target=\"_blank\" rel=\"nofollow\">McKinsey & Company<\/a><\/span>\n            \n        <\/div>\n        \n        \n    <\/div>\n    \n    \n    <div class=\"number-item\">\n        <span class=\"number\">$69.41M<\/span>\n        <div class=\"text-wrapper\">\n            <span class=\"number-text\">projected number of digital banking users in the U.S. in 2025<\/span>\n            <span class=\"source\">Source: <a href=\"https:\/\/www.statista.com\/statistics\/1285962\/digital-banking-users-usa\/\" target=\"_blank\" rel=\"nofollow\">Statista<\/a><\/span>\n            \n        <\/div>\n        \n    <\/div>    \n    \n    \n    <div class=\"number-item\">\n        <span class=\"number\">$79.4B<\/span>\n        <div class=\"text-wrapper\">\n            <span class=\"number-text\">projected global digital banking market size by 2030<\/span>\n            <span class=\"source\">Source: <a href=\"https:\/\/www.researchandmarkets.com\/reports\/1206754\/digital_banking_global_strategic_business_report?utm_source=CI&utm_medium=PressRelease&utm_code=wqz9jp&utm_campaign=1600080+-+Global+Digital+Banking+Markets+Report+2021-2026+-+The+Rise+of+the+On-Demand+Economy+%26+Customer+Self-Service+Tilts+Digital+Banking+Technologies+into+the+Mass+Adoption+Stage&utm_exec=chdo54prd\" target=\"_blank\" rel=\"nofollow\">Research&Markets<\/a><\/span>\n            \n        <\/div>\n        \n    <\/div>\n    \n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7748cee elementor-widget elementor-widget-text-editor\" data-id=\"7748cee\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In this article, we\u2019ll dive into the latest trends in digital banking to help you stay ahead. So, stick around \u2014 we\u2019ve got all the insights you\u2019ll want to bring up with your CIO at your next weekly meeting!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b63e2f4 e-con-full e-flex e-con e-child\" data-id=\"b63e2f4\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8ea9dab custom-table table-1 elementor-widget elementor-widget-html\" data-id=\"8ea9dab\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\r\n<div class=\"challenge-table-wrapper\">\r\n    <div class=\"challenge-table\">\r\n        <div class=\"challenge-table__header\">\r\n            <strong>Trend<\/strong>\r\n            <strong>Key takeaways<\/strong>\r\n        <\/div>\r\n        <div class=\"challenge-table__item\">\r\n            <strong>GenAI for smarter and more personalized banking<\/strong>\r\n            <p>GenAI is being used to analyze large datasets, improve decision-making, and power AI-driven services and credit assessments.<\/p>\r\n        <\/div>\r\n        \r\n        <div class=\"challenge-table__item\">\r\n            <strong>Open banking\u2019s shift toward more flexibility<\/strong>\r\n            <p>Open banking has become more flexible, which gives consumers greater control over their financial information.<\/p>\r\n        <\/div>\r\n        \r\n        <div class=\"challenge-table__item\">\r\n            <strong>Strengthening security in open finance<\/strong>\r\n            <p>As open finance expands to include more data types, blockchain, AI, and DeFi are used to enhance security and prevent fraud.<\/p>\r\n        <\/div>\r\n        \r\n        <div class=\"challenge-table__item\">\r\n            <strong>Embedded finance expanding beyond payments<\/strong>\r\n            <p>Embedded finance is integrating financial products like loans, insurance, and investments directly into non-financial platforms and apps.<\/p>\r\n        <\/div>\r\n        \r\n        <div class=\"challenge-table__item\">\r\n            <strong>Fortifying cybersecurity defenses<\/strong>\r\n            <p>There is a growing focus on strengthening cybersecurity measures to protect against increasing cyber threats and data breaches.<\/p>\r\n        <\/div>\r\n        \r\n        <div class=\"challenge-table__item\">\r\n            <strong>The surge in digital-only banks (neobanks)<\/strong>\r\n            <p>Digital-only banks, or neobanks, are growing rapidly, offering financial services exclusively through online platforms and mobile apps.<\/p>\r\n        <\/div>\r\n        \r\n        <div class=\"challenge-table__item\">\r\n            <strong>The growing focus on sustainable and ethical banking<\/strong>\r\n            <p>There is an increasing focus on sustainable and ethical banking, with financial institutions prioritizing green investments and aligning with ESG criteria.<\/p>\r\n        <\/div>\r\n        \r\n        <div class=\"challenge-table__item\">\r\n            <strong>Automating investments with robo-advising<\/strong>\r\n            <p>Robo-advisors are being widely adopted to automate investments and provide personalized financial advice and portfolio management.<\/p>\r\n        <\/div>\r\n        \r\n        <div class=\"challenge-table__item\">\r\n            <strong>Composable banking for greater flexibility<\/strong>\r\n            <p>Composable banking allows banks to create flexible, customizable financial products by integrating modular services via APIs.<\/p>\r\n        <\/div>\r\n        \r\n        <div class=\"challenge-table__item\">\r\n            <strong>Supercharging convenience with super apps<\/strong>\r\n            <p>Super apps become more popular, combining multiple services like banking, shopping, and messaging into one integrated platform.<\/p>\r\n        <\/div>\r\n        \r\n        <div class=\"challenge-table__item\">\r\n            <strong>Redefining workflows with agentic AI<\/strong>\r\n            <p>Agentic AI enables systems to act independently and continuously improve through learning.<\/p>\r\n        <\/div>\r\n        \r\n        <div class=\"challenge-table__item\">\r\n            <strong>Scaling financial asset tokenization<\/strong>\r\n            <p>The tokenization is expanding, making financial assets more accessible and liquid.<\/p>\r\n        <\/div>\r\n    <\/div>\r\n<\/div>\r\n\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42b500f elementor-widget elementor-widget-html\" data-id=\"42b500f\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\n    .serv-grid__toggle-button {\n  outline: none !important;\n}\n<\/style>\n\n<button class=\"serv-grid__toggle-button\">\n    <span class=\"toggle-button_label--show\">Show more<\/span>\n    <span 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elementor-widget-heading\" data-id=\"98e42dc\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Integrate the latest tech into your banking systems.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8aba637 e-con-full e-flex e-con e-child\" data-id=\"8aba637\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f7a5f1c elementor-align-left elementor-widget__width-initial elementor-widget-mobile__width-inherit cta-btn elementor-widget elementor-widget-button\" data-id=\"f7a5f1c\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#contact-form\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Talk to experts<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ee9ca12 elementor-absolute elementor-widget-mobile__width-inherit transform elementor-widget-tablet__width-inherit elementor-widget elementor-widget-html\" data-id=\"ee9ca12\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"wave-container\"><\/div>\r\n\r\n<style>\r\n  .wave-container {\r\n    position: relative;\r\n    width: 320px;\r\n    height: 320px;\r\n  }\r\n\r\n  @media(max-width: 1279px) {\r\n    .wave-container {\r\n      width: 100%;\r\n      height: 100%;\r\n    }\r\n  }\r\n\r\n\r\n\r\n  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wave.style.animationDelay = `${i * 0.8}s`;\r\n\r\n          waveContainer.appendChild(wave);\r\n        }\r\n      });\r\n    }\r\n\r\n    createWaves(10)\r\n  });\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1066057 e-con-full e-flex e-con e-parent\" data-id=\"1066057\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-be5bcbb elementor-widget elementor-widget-text-editor\" data-id=\"be5bcbb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Trend #1: GenAI for smarter and more personalized banking<\/h2><p><a href=\"https:\/\/innowise.com\/blog\/generative-ai-in-banking\/\"><span style=\"font-weight: 400;\">GenAI\u2019s<\/span><\/a><span style=\"font-weight: 400;\"> capacity to analyze extensive datasets, detect intricate patterns, and deliver valuable insights can transform decision-making processes. In 2025, its applications in digital banking will be even more impactful, encompassing algorithmic trading, credit risk assessment, and the growing adoption of AI-powered chatbots.<\/span><\/p><p><span style=\"font-weight: 400;\">According to recent research by <\/span><a href=\"https:\/\/www.sas.com\/en\/whitepapers\/your-journey-to-the-genai-future-114042.html#formsuccess\" target=\"_blank\" rel=\"noopener nofollow\"><span style=\"font-weight: 400;\">SAS and Coleman Parkes<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><b>90% of banking leaders have allocated budgets for GenAI projects in 2025<\/b><span style=\"font-weight: 400;\">, which signals their commitment to the vast opportunities this tech unlocks \u2014 from fraud detection to hyper-personalized customer experiences and smarter risk management.<\/span><\/p><h3><span style=\"font-weight: 400;\">Future outlook<\/span><\/h3><p><span style=\"font-weight: 400;\">The future of GenAI in banking is closely linked to <\/span><b>explainable AI (XAI)<\/b><span style=\"font-weight: 400;\"> as financial institutions push for both innovation and transparency. It\u2019s not just about making smarter decisions, it\u2019s about making sure those decisions make sense to humans. Banks and regulators won\u2019t settle for AI that just spits out results; they\u2019ll want models that can explain the \u201cwhy\u201d behind their choices in a way that\u2019s clear and easy to understand.<\/span><\/p><p><span style=\"font-weight: 400;\">By combining GenAI\u2019s predictive power with XAI\u2019s transparency, we\u2019re heading toward a future where <\/span><a href=\"https:\/\/innowise.com\/blog\/generative-ai-in-banking\/\"><span style=\"font-weight: 400;\">AI-driven banking<\/span><\/a><span style=\"font-weight: 400;\"> isn\u2019t just faster and more efficient \u2014 it\u2019s also more trustworthy, accountable, and aligned with ethical standards.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-99770b4 elementor-widget elementor-widget-image\" data-id=\"99770b4\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1000\" height=\"610\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/03\/The-estimated-global-spending-on-GenAI-in-the-banking-sector-through-2030.svg\" class=\"attachment-full size-full wp-image-180517\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d28b608 e-con-full e-flex e-con e-parent\" data-id=\"d28b608\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b1efa61 elementor-widget elementor-widget-text-editor\" data-id=\"b1efa61\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Trend #2: Open banking\u2019s shift toward more flexibility<\/h2><p>One of the big digital banking trends for 2025 is open banking \u2014 a model that lets third-party apps access financial data from banks using APIs. It\u2019s been growing fast and shows no signs of slowing down, with even more developments expected to make it smoother and more accessible in the coming year.<\/p><p><span style=\"font-weight: 400;\">For example, open banking brings everything under one roof with account aggregation tools like Plaid, Tink, and Nordic API Gateway, letting customers see all their accounts \u2014 from payments to credit cards and investments \u2014 in one spot. Another great example is <\/span><b>personal finance management (PFM)<\/b><span style=\"font-weight: 400;\"> apps like Spiir, Yolt, and Mint, which give users a clear picture of their finances and help them keep their spending in check. <\/span><\/p><h3><span style=\"font-weight: 400;\">Future outlook<\/span><\/h3><p><span style=\"font-weight: 400;\">The future of open banking in the U.S. is taking shape with the <\/span><b>CFPB&#8217;s Final Rule under Dodd-Frank Act Section 1033<\/b><span style=\"font-weight: 400;\">, announced on 22 October 2024. Starting 1 April 2026, the largest financial institutions will begin phasing in data-sharing requirements, giving consumers and their authorized third parties access to financial data.<\/span><\/p><p><span style=\"font-weight: 400;\">With <\/span><b>Payment Services Directive (PSD) 3<\/b><span style=\"font-weight: 400;\"> scheduled to roll out in 2026, open banking in the EU is set to continue evolving. Together with the <\/span><b>Payment Services Regulation (PSR)<\/b><span style=\"font-weight: 400;\">, they aim to streamline and standardize open banking practices across the region. These updates are expected to create a more consistent and user-friendly experience for consumers and businesses alike.<\/span><\/p><p><span style=\"font-weight: 400;\">One of the biggest shifts coming to open banking in the UK is the <\/span><b>Financial Conduct Authority (FCA) and the Payment Systems Regulator (PSR)<\/b><span style=\"font-weight: 400;\"> planning to set up Open Banking Limited, a new independent body that would oversee the rollout of <\/span><b>Variable Recurring Payments (VRPs)<\/b><span style=\"font-weight: 400;\">. Unlike old-school direct debits that take the same amount every time, VRPs would allow approved payment providers to handle customizable transactions \u2014 perfect for utilities, subscriptions, and even savings automation.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e16e231 e-con-full e-flex e-con e-child\" data-id=\"e16e231\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-50fd5e9 elementor-widget elementor-widget-shortcode\" data-id=\"50fd5e9\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">[blog_related_services post_in='190132,20255,171244']<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b219b65 e-con-full e-flex e-con e-parent\" data-id=\"b219b65\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3b93c7c elementor-widget elementor-widget-text-editor\" data-id=\"3b93c7c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Trend #3: Strengthening security in open finance<\/h2><p>Digital banking trends such as open finance and open banking are interconnected. Open banking allows consumers to share data from their bank account with permission, but open finance goes a step further. It includes a broader range of data, like loans, investments, and pensions. Plus, it integrates data more extensively with non-financial sectors like healthcare and government.<\/p><p><span style=\"font-weight: 400;\">In open finance, <\/span><a href=\"https:\/\/innowise.com\/services\/blockchain\/\"><span style=\"font-weight: 400;\">blockchain<\/span><\/a><span style=\"font-weight: 400;\"> keeps transactions secure and transparent with smart contracts and decentralized identity checks, while DeFi apps make lending, tokenized assets, and cross-border payments faster and cheaper by cutting out the intermediaries. AI and ML step up fraud detection, automate compliance and refine credit scoring, which makes financial services safer, smarter, and more accessible in an open ecosystem.<\/span><\/p><h3><span style=\"font-weight: 400;\">Future outlook<\/span><\/h3><p><span style=\"font-weight: 400;\">Now that the <\/span><b>Digital Operational Resilience Act (DORA)<\/b><span style=\"font-weight: 400;\"> is officially in effect (as of January 2025), open finance is facing tighter security rules and stronger oversight \u2014 especially when it comes to third-party tech providers. This means financial platforms will need to step up their resilience game, making sure they can handle cyber threats and disruptions without skipping a beat. <\/span><\/p><p><span style=\"font-weight: 400;\">Looking ahead, we can expect greater transparency, reliability, and trust in open finance across the EU, with stronger protections against cyber risks and a more stable digital financial ecosystem that balances innovation with regulatory compliance.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-00a6985 e-con-full cta2 e-flex e-con e-child\" data-id=\"00a6985\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-f2ef8c8 relative animated-circle-adaptive e-con-full e-flex e-con e-child\" data-id=\"f2ef8c8\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-a2e77ea e-con-full e-flex e-con e-child\" data-id=\"a2e77ea\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d4a2070 elementor-widget-tablet__width-inherit elementor-widget elementor-widget-heading\" data-id=\"d4a2070\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Fortify your digital banking operations against evolving cyber threats. <\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-99cca3d e-con-full e-flex e-con e-child\" data-id=\"99cca3d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8910bb8 elementor-align-left elementor-widget__width-initial elementor-widget-mobile__width-inherit cta-btn elementor-widget elementor-widget-button\" data-id=\"8910bb8\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#contact-form\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact us<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-867d992 elementor-absolute elementor-widget-mobile__width-inherit transform elementor-widget-tablet__width-inherit elementor-widget elementor-widget-html\" data-id=\"867d992\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"wave-container\"><\/div>\r\n\r\n<style>\r\n  .wave-container {\r\n    position: relative;\r\n    width: 320px;\r\n    height: 320px;\r\n  }\r\n\r\n\r\n  @media(max-width: 1279px) {\r\n    .wave-container {\r\n      width: 100%;\r\n      height: 100%;\r\n    }\r\n  }\r\n\r\n\r\n  .wave {\r\n    position: absolute;\r\n    border: 1px solid rgba(210, 184, 214, 1);\r\n    border-radius: 50%;\r\n    animation: drop 16s infinite;\r\n    top: 50%;\r\n    left: 50%;\r\n    transform: translate(-50%, -50%);\r\n    box-sizing: border-box;\r\n  }\r\n\r\n  @keyframes drop {\r\n    0% {\r\n      width: 0px;\r\n      height: 0px;\r\n      border: 1px solid rgba(210, 184, 214, 1);\r\n    }\r\n    100% {\r\n      width: 400px;\r\n      height: 400px;\r\n      border: 1px solid rgba(210, 184, 214, 0);\r\n    }\r\n  }\r\n<\/style>\r\n\r\n<script>\r\n\r\n  document.addEventListener('DOMContentLoaded', () => {\r\n    function createWaves(numberOfWaves) {\r\n      const waveContainers = document.querySelectorAll('.cta2 .wave-container');\r\n\r\n      waveContainers.forEach((waveContainer) => {\r\n        for (let i = 0; i < numberOfWaves; i++) {\r\n          const wave = document.createElement('div');\r\n          wave.classList.add('wave');\r\n\r\n          wave.style.animationDelay = `${i * 0.8}s`;\r\n\r\n          waveContainer.appendChild(wave);\r\n        }\r\n      });\r\n    }\r\n\r\n    createWaves(10)\r\n  });\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9f13334 e-con-full e-flex e-con e-parent\" data-id=\"9f13334\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f1714ca elementor-widget elementor-widget-text-editor\" data-id=\"f1714ca\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Trend #4: Embedded finance expanding beyond payments<\/h2><p><span style=\"font-weight: 400;\">Embedded finance isn\u2019t just about payments anymore \u2014 it\u2019s changing how we get paid, book trips, and run businesses. In 2025, everything from payroll and travel platforms to B2B marketplaces is baking financial services right into the experience. Employees can now invest part of their paycheck automatically or get paid whenever they want, no more waiting for payday. Accounting tools like <\/span><b>QuickBooks and ERPs like SAP<\/b><span style=\"font-weight: 400;\"> help handle invoicing, cash flow, loans, and supplier payments on autopilot, so businesses can stay on top of their finances without even thinking about it.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a40dee elementor-widget elementor-widget-image\" data-id=\"7a40dee\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1000\" height=\"430\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/03\/Types-of-embedded-finance.svg\" class=\"attachment-full size-full wp-image-180518\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2894699 elementor-widget elementor-widget-text-editor\" data-id=\"2894699\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Future outlook<\/h3><p><span style=\"font-weight: 400;\">Embedded finance is projected to reach a market value of <\/span><a href=\"https:\/\/www.openpayd.com\/blog\/whitepaper-the-rise-of-embedded-finance\/\" target=\"_blank\" rel=\"noopener nofollow\"><span style=\"font-weight: 400;\">$7.2 trillion by 2030<\/span><\/a><span style=\"font-weight: 400;\">, and an overwhelming <\/span><b>92% of businesses plan to implement it<\/b><span style=\"font-weight: 400;\"> within the next five years. A notable shift is expected in <\/span><b>banking-as-a-service (BaaS)<\/b><span style=\"font-weight: 400;\"> as new regulations tighten the market, reshaping how non-bank companies offer financial products.<\/span><\/p><p><b>PSD3<\/b><span style=\"font-weight: 400;\"> will introduce stricter compliance requirements in the EU for non-bank financial providers, affecting FinTechs that rely on BaaS for embedded financial services. Meanwhile, in the US, the <\/span><b>Consumer Financial Protection Bureau (CFPB)<\/b><span style=\"font-weight: 400;\"> is set to roll out new regulations on embedded credit and lending, with a particular focus on<\/span><b> Buy Now, Pay Later (BNPL)<\/b><span style=\"font-weight: 400;\"> models to address consumer protection concerns.<\/span><\/p><p><span style=\"font-weight: 400;\">As a result, banks and licensed institutions will take on a bigger role, shifting embedded finance away from FinTech-only solutions and reinforcing the need for stronger regulatory oversight and compliance frameworks.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-16504bd e-con-full e-flex e-con e-parent\" data-id=\"16504bd\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-708d7e3 elementor-widget elementor-widget-text-editor\" data-id=\"708d7e3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Trend #5: Fortifying cybersecurity defenses<\/h2><p><span style=\"font-weight: 400;\">As we dive into 2025, it\u2019s clear that <\/span><a href=\"https:\/\/innowise.com\/blog\/cybersecurity-in-banking\/\"><span style=\"font-weight: 400;\">cybersecurity<\/span><\/a><span style=\"font-weight: 400;\"> is more critical than ever for financial institutions. Cybercriminals are getting smarter and using much more sophisticated tactics to infiltrate financial systems. I\u2019m talking about <\/span><b>advanced persistent threats (APTs) <\/b><span style=\"font-weight: 400;\">\u2014 targeted, long-term cyberattacks that are designed to steal sensitive data or throw a wrench in operations. It&#8217;s a real game of cat and mouse.<\/span><\/p><p><span style=\"font-weight: 400;\">To keep up, many banks and credit unions are turning to <\/span><b>cybersecurity as a service (CaaS)<\/b><span style=\"font-weight: 400;\">. Instead of trying to handle everything in-house, which can be a huge drain on resources, they\u2019re outsourcing key parts of their cybersecurity like threat detection, vulnerability management, and incident response. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a8dc14 benef-grid-1 elementor-widget elementor-widget-html\" data-id=\"3a8dc14\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"benef-grid-container\">\r\n    <div class=\"benef-grid-item\">\r\n        <span class=\"benef-grid-item__title\">Ransomware attacks<\/span>\r\n        <img decoding=\"async\" class=\"benef-grid-item__img\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/03\/8666719.svg\" \/ alt=\"\">\r\n    <\/div>\r\n    <div class=\"benef-grid-item\">\r\n        <span class=\"benef-grid-item__title\">Cloud-based attacks<\/span>\r\n        <img decoding=\"async\" class=\"benef-grid-item__img\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/03\/Cloud.svg\" \/ alt=\"\">\r\n    <\/div>\r\n    \r\n    <div class=\"benef-grid-item\">\r\n        <span class=\"benef-grid-item__title\">AI-enabled phishing<\/span>\r\n        <img decoding=\"async\" class=\"benef-grid-item__img\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/03\/AI.svg\" \/ alt=\"\">\r\n    <\/div>\r\n    <div class=\"benef-grid-item\">\r\n        <span class=\"benef-grid-item__title\">Third-party & supply chain attacks<\/span>\r\n        <img decoding=\"async\" class=\"benef-grid-item__img\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/03\/Frame-564777474-1.svg\" \/ alt=\"\">\r\n    <\/div>\r\n    \r\n    <div class=\"benef-grid-item\">\r\n        <span class=\"benef-grid-item__title\">Insider threats<\/span>\r\n        <img decoding=\"async\" class=\"benef-grid-item__img\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/03\/Risk-migration.svg\" \/ alt=\"\">\r\n    <\/div>\r\n    <div class=\"benef-grid-item\">\r\n        <span class=\"benef-grid-item__title\">Social engineering attacks<\/span>\r\n        <img decoding=\"async\" class=\"benef-grid-item__img\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/03\/Phishing.svg\" \/ alt=\"\">\r\n    <\/div>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59172e0 elementor-widget elementor-widget-text-editor\" data-id=\"59172e0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Though cybersecurity has always been a top priority, and banks have continuously adopted advanced tools and measures like encryption, MFA, and AI-driven threat detection, I&#8217;d like to highlight the technology gaining more traction in 2025 that promises to take banking cybersecurity to the next level.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18e8ea3 isp elementor-widget elementor-widget-html\" data-id=\"18e8ea3\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"domains-container-new domains-1\">\r\n    <ul class=\"domains__list-new\">\r\n      <div class=\"domain__list_container-new\">\r\n  \r\n        <li class=\"domains__list-item-new domains__list-item_active-new\">Zero-trust architecture (ZTA)<\/li>\r\n        <li class=\"domains__list-item-new\">Privacy-enhancing technologies (PETs)<\/li>\r\n        <li class=\"domains__list-item-new\">Quantum-resistant cryptography (QRC)<\/li>\r\n        <li class=\"domains__list-item-new\">Advanced multi-factor authentication (MFA)<\/li>\r\n        <li class=\"domains__list-item-new\">Distributed ledger technology (DLT)<\/li>\r\n  \r\n      <\/div>\r\n    <\/ul>\r\n  \r\n  \r\n    <div class=\"domains__descriptions-new\">\r\n  \r\n  \r\n      <div class=\"domains__descriptions-item-new domains__descriptions-item_active-new\">\r\n        <div class=\"slider-title-new\">\r\n          <h3>Zero-trust architecture (ZTA)<\/h3>\r\n        <\/div>\r\n        <p class=\"slider-desc-new\">ZTA is quickly becoming essential for cybersecurity because it constantly checks who\u2019s accessing what, making sure no one \u2014 inside or outside the network \u2014 is automatically trusted. With remote work, cloud computing, and IoT devices opening up more potential weak spots, ZTA provides crucial protection against cybercriminals and insider threats. According to Gartner, <a href=\"https:\/\/www.gartner.com\/en\/industries\/government-public-sector\/topics\/zero-trust#:~:text=Gartner%20research%20shows%20that%20over,fail%20to%20realize%20the%20benefits.\" target=\"_blank\" rel=\"nofollow\">60% of businesses<\/a> will <strong>adopt zero-trust as their foundational security approach<\/strong>.<\/p>\r\n        <div class=\"slider-image-block-new\"><img decoding=\"async\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/03\/Zero-trust-architecture-ZTA.jpg\" alt=\"Zero-trust architecture (ZTA)\"><\/div>\r\n      <\/div>\r\n  \r\n      <div class=\"domains__descriptions-item-new\">\r\n        <div class=\"slider-title-new\">\r\n          <h3>Privacy-enhancing technologies (PETs)<\/h3>\r\n        <\/div>\r\n        <p class=\"slider-desc-new\">PETs are becoming a game-changer for banks looking to protect sensitive customer data without exposing it. With tools like <strong>homomorphic encryption and secure multi-party computation<\/strong>, banks can analyze encrypted data without ever needing to decrypt it. PETs also include methods like <strong>data masking and anonymization<\/strong> to help banks protect customer information while still gaining valuable insights.<\/p>\r\n        <div class=\"slider-image-block-new\"><img decoding=\"async\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/03\/Privacy-enhancing-technologies-PETs.jpg\" alt=\"Privacy-enhancing technologies (PETs)\"><\/div>\r\n      <\/div>\r\n  \r\n      <div class=\"domains__descriptions-item-new\">\r\n        <div class=\"slider-title-new\">\r\n          <h3>Quantum-resistant cryptography (QRC)<\/h3>\r\n        <\/div>\r\n        <p class=\"slider-desc-new\">As quantum computing advances, traditional encryption methods are increasingly at risk from their immense power. That\u2019s why QRC is rapidly emerging as a vital trend in banking cybersecurity. Banks are adopting <strong>encryption algorithms specifically designed<\/strong> to withstand the threat posed by quantum computing and ensure their security systems are future-proofed.<\/p>\r\n        <div class=\"slider-image-block-new\"><img decoding=\"async\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/03\/Quantum-resistant-cryptography-QRC.jpg\" alt=\"Quantum-resistant cryptography (QRC)\"><\/div>\r\n      <\/div>\r\n  \r\n      <div class=\"domains__descriptions-item-new\">\r\n        <div class=\"slider-title-new\">\r\n          <h3>Advanced multi-factor authentication (MFA)<\/h3>\r\n        <\/div>\r\n        <p class=\"slider-desc-new\">In 2025, AI is enhancing MFA by analyzing user behavior and triggering <strong>extra authentication when needed<\/strong>. Continuous authentication monitors activity throughout sessions, quickly spotting suspicious behavior. <a href=\"https:\/\/innowise.com\/case\/kyc-software-solution\/\">Biometrics<\/a> is improving with AI-powered voice recognition, and <strong>neurotechnology-based authentication<\/strong> is on the rise, allowing banks to verify identity using brainwave patterns.<\/p>\r\n        <div class=\"slider-image-block-new\"><img decoding=\"async\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/03\/Advanced-multi-factor-authentication-MFA.jpg\" alt=\"Advanced multi-factor authentication (MFA)\"><\/div>\r\n      <\/div>\r\n  \r\n      <div class=\"domains__descriptions-item-new\">\r\n        <div class=\"slider-title-new\">\r\n          <h3>Distributed ledger technology (DLT)<\/h3>\r\n        <\/div>\r\n        <p class=\"slider-desc-new\">DLT is transforming banking security by distributing transaction data across multiple locations, which makes it nearly <strong>impossible for hackers to alter past records or manipulate data<\/strong>. Additionally, blockchain-based identity solutions are providing banks with a more secure way to authenticate users through decentralized digital IDs, significantly <strong>reducing the risk of identity theft or fraud<\/strong>.<\/p>\r\n        <div class=\"slider-image-block-new\"><img decoding=\"async\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/03\/Distributed-ledger-technology-DLT.jpg\" alt=\"Distributed ledger technology (DLT)\"><\/div>\r\n      <\/div>\r\n  \r\n  \r\n    <\/div>\r\n  <\/div>\r\n  \r\n  \r\n  \r\n  \r\n  \r\n  <div class=\"mobile-domains-new domains-1\">\r\n  \r\n    <div class=\"mobile-domains-navitem-new active\"><span>Zero-trust architecture (ZTA)<\/span>\r\n      <div class=\"mobile-domain-list-new\">\r\n        <p class=\"slider-desc-new\">ZTA is quickly becoming essential for cybersecurity because it constantly checks who\u2019s accessing what, making sure no one \u2014 inside or outside the network \u2014 is automatically trusted. With remote work, cloud computing, and IoT devices opening up more potential weak spots, ZTA provides crucial protection against cybercriminals and insider threats. According to Gartner, <a href=\"https:\/\/www.gartner.com\/en\/industries\/government-public-sector\/topics\/zero-trust#:~:text=Gartner%20research%20shows%20that%20over,fail%20to%20realize%20the%20benefits.\" target=\"_blank\" rel=\"nofollow\">60% of businesses<\/a> will <strong>adopt zero-trust as their foundational security approach<\/strong>.<\/p>\r\n        <img decoding=\"async\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/03\/Zero-trust-architecture-ZTA.jpg\" alt=\"Zero-trust architecture (ZTA)\">\r\n      <\/div>\r\n    <\/div>\r\n  \r\n    <div class=\"mobile-domains-navitem-new\"><span>Privacy-enhancing technologies (PETs)<\/span>\r\n      <div class=\"mobile-domain-list-new\">\r\n        <p class=\"slider-desc-new\">PETs are becoming a game-changer for banks looking to protect sensitive customer data without exposing it. With tools like <strong>homomorphic encryption and secure multi-party computation<\/strong>, banks can analyze encrypted data without ever needing to decrypt it. PETs also include methods like <strong>data masking and anonymization<\/strong> to help banks protect customer information while still gaining valuable insights.<\/p>\r\n        <img decoding=\"async\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/03\/Privacy-enhancing-technologies-PETs.jpg\" alt=\"Privacy-enhancing technologies (PETs)\">\r\n      <\/div>\r\n    <\/div>\r\n  \r\n    <div class=\"mobile-domains-navitem-new\"><span>Quantum-resistant cryptography (QRC)<\/span>\r\n      <div class=\"mobile-domain-list-new\">\r\n        <p class=\"slider-desc-new\">As quantum computing advances, traditional encryption methods are increasingly at risk from their immense power. That\u2019s why QRC is rapidly emerging as a vital trend in banking cybersecurity. Banks are adopting <strong>encryption algorithms specifically designed<\/strong> to withstand the threat posed by quantum computing and ensure their security systems are future-proofed.<\/p>\r\n        <img decoding=\"async\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/03\/Quantum-resistant-cryptography-QRC.jpg\" alt=\"Quantum-resistant cryptography (QRC)\">\r\n      <\/div>\r\n    <\/div>\r\n  \r\n    <div class=\"mobile-domains-navitem-new\"><span>Advanced multi-factor authentication (MFA)<\/span>\r\n      <div class=\"mobile-domain-list-new\">\r\n        <p class=\"slider-desc-new\">In 2025, AI is enhancing MFA by analyzing user behavior and triggering <strong>extra authentication when needed<\/strong>. Continuous authentication monitors activity throughout sessions, quickly spotting suspicious behavior. <a href=\"https:\/\/innowise.com\/case\/kyc-software-solution\/\">Biometrics<\/a> is improving with AI-powered voice recognition, and <strong>neurotechnology-based authentication<\/strong> is on the rise, allowing banks to verify identity using brainwave patterns.<\/p>\r\n        <img decoding=\"async\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/03\/Advanced-multi-factor-authentication-MFA.jpg\" alt=\"Advanced multi-factor authentication (MFA)\">\r\n      <\/div>\r\n    <\/div>\r\n  \r\n    <div class=\"mobile-domains-navitem-new\"><span>Distributed ledger technology (DLT)<\/span>\r\n      <div class=\"mobile-domain-list-new\">\r\n        <p class=\"slider-desc-new\">DLT is transforming banking security by distributing transaction data across multiple locations, which makes it nearly <strong>impossible for hackers to alter past records or manipulate data<\/strong>. Additionally, blockchain-based identity solutions are providing banks with a more secure way to authenticate users through decentralized digital IDs, significantly <strong>reducing the risk of identity theft or fraud<\/strong>.<\/p>\r\n        <img decoding=\"async\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/03\/Distributed-ledger-technology-DLT.jpg\" alt=\"Distributed ledger technology (DLT)\">\r\n      <\/div>\r\n    <\/div>\r\n \r\n <\/div>\r\n    \r\n    \r\n<script>\r\n    \r\n      document.addEventListener('DOMContentLoaded', () => {\r\n        const mobileNavItems = document.querySelectorAll('.domains-1 .mobile-domains-navitem-new');\r\n    \r\n        mobileNavItems.forEach(item => {\r\n          item.addEventListener('click', () => {\r\n            const isActive = item.classList.contains('active');\r\n    \r\n            \/\/ Collapse all items\r\n            mobileNavItems.forEach(nav => {\r\n              nav.classList.remove('active');\r\n              const ul = nav.querySelector('.domains-1 .mobile-domain-list');\r\n              if (ul) ul.style.maxHeight = '0';\r\n            });\r\n    \r\n            \/\/ Expand clicked item only if it was not active\r\n            if (!isActive) {\r\n              item.classList.add('active');\r\n              const ul = item.querySelector('.domains-1 .mobile-domain-list');\r\n              if (ul) ul.style.maxHeight = ul.scrollHeight + 'px';\r\n            }\r\n          });\r\n        });\r\n    \r\n        const firstNavItem = mobileNavItems.item(0);\r\n    \r\n        if (firstNavItem && !firstNavItem.classList.contains('active')) {\r\n          firstNavItem.click();\r\n        }\r\n      });\r\n    \r\n<\/script>\r\n    \r\n    \r\n<script>\r\n      document.addEventListener('DOMContentLoaded', () => {\r\n        const domainsListItems = document.querySelectorAll(\r\n          '.domains-container-new.domains-1  .domains__list-new  .domain__list_container-new  .domains__list-item-new'\r\n        );\r\n        const domainsDescriptions = document.querySelectorAll(\r\n          '.domains-container-new.domains-1  .domains__descriptions-new  .domains__descriptions-item-new'\r\n        );\r\n    \r\n        domainsListItems.forEach((domainsListItem, domainsListItemIndex, arr) => {\r\n          domainsListItem.addEventListener('click', () => {\r\n            arr.forEach((item) => {\r\n              if (item === domainsListItem) {\r\n                item.classList.add('domains__list-item_active-new');\r\n              } else {\r\n                item.classList.remove('domains__list-item_active-new');\r\n              }\r\n            });\r\n            domainsDescriptions.forEach(\r\n              (domainsDescriptionsItem, domainsDescriptionsItemIndex) => {\r\n                if (domainsListItemIndex === domainsDescriptionsItemIndex) {\r\n                  domainsDescriptionsItem.classList.add(\r\n                    'domains__descriptions-item_active-new'\r\n                  );\r\n                } else {\r\n                  domainsDescriptionsItem.classList.remove(\r\n                    'domains__descriptions-item_active-new'\r\n                  );\r\n                }\r\n              }\r\n            );\r\n          });\r\n        });\r\n      })\r\n    \r\n<\/script>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a1da184 elementor-widget elementor-widget-text-editor\" data-id=\"a1da184\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"font-weight: 400;\">Future outlook<\/span><\/h3><p><span style=\"font-weight: 400;\">Looking ahead beyond 2025, the blending of cyber and fraud prevention \u2014 what\u2019s being called <\/span><b>Cyber Fraud Fusion (CFF)<\/b><span style=\"font-weight: 400;\"> \u2014 is set to shake up the financial services world. This approach brings together teams from cybersecurity, identity management, and fraud detection to create smarter, more comprehensive ways to protect consumers. According to a report from <\/span><a href=\"https:\/\/www.nccgroup.com\/us\/newsroom\/spotlight-on-financial-services-2025-cyber-trends-and-predictions\/\" target=\"_blank\" rel=\"noopener nofollow\"><span style=\"font-weight: 400;\">NCC Group<\/span><\/a><span style=\"font-weight: 400;\">, we&#8217;re already seeing the early signs of this shift in banking, and in the next five years, we can expect a major overhaul in how financial institutions operate.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-62bf0e2 e-con-full e-flex e-con e-parent\" data-id=\"62bf0e2\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e9b5a4b elementor-widget elementor-widget-text-editor\" data-id=\"e9b5a4b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Trend #6: The surge in digital-only banks (<strong><a href=\"https:\/\/innowise.com\/blog\/neobank-guide\/\">neobanks<\/a><\/strong>)<\/h2><p><span style=\"font-weight: 400;\">The global neobanking market was valued at <\/span><a href=\"https:\/\/www.fortunebusinessinsights.com\/neobanking-market-109076\" target=\"_blank\" rel=\"noopener nofollow\"><span style=\"font-weight: 400;\">$143.29 billion in 2024<\/span><\/a><span style=\"font-weight: 400;\">. From there, it&#8217;s set to grow rapidly, reaching $210.16 billion in 2025 and an impressive $3,4 trillion by 2032, with a compound annual growth rate (CAGR) of 48.9% during this time.<\/span><\/p><p><span style=\"font-weight: 400;\">In 2025, neobanks are shaking up cross-border payments by using<\/span><b> <a href=\"https:\/\/innowise.com\/blog\/blockchain-in-banking\/\">blockchain and crypto<\/a><\/b><span style=\"font-weight: 400;\"> for faster, cheaper transfers, cutting out traditional banks. They\u2019re also getting serious about sustainability, offering things like eco-friendly credit cards and green investment options, which is a hit with younger, eco-conscious customers. Plus, neobanks are expanding into emerging markets, providing essential banking services through smartphones in places where traditional banking is hard to come by, helping boost financial inclusion.<\/span><\/p><h3><span style=\"font-weight: 400;\">Future outlook<\/span><\/h3><p><span style=\"font-weight: 400;\">In the coming years, we\u2019ll see neobanks shake up traditional business banking by offering SME solutions that mix digital ease with business-specific features. With their modern tech, B2B banking-as-a-service will let them monetize their infrastructure by offering white-label solutions for traditional banks and non-banks to quickly roll out digital products. Neobanks will also dive into niche markets, providing financial services to underserved groups pushing for more financial inclusion. And as time goes on, we&#8217;ll see closer collaborations between neobanks and traditional banks that will blend<\/span> <a href=\"https:\/\/innowise.com\/industries\/finance\/fintech-development\/\"><span style=\"font-weight: 400;\">neobanks&#8217;<\/span><\/a><span style=\"font-weight: 400;\"> digital speed with the strong infrastructure of established banks.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1a054d2 e-con-full cta3 e-flex e-con e-child\" data-id=\"1a054d2\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-04c66fe relative animated-circle-adaptive e-con-full e-flex e-con e-child\" data-id=\"04c66fe\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-6e7f56e e-con-full e-flex e-con e-child\" data-id=\"6e7f56e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-43caf05 elementor-widget-tablet__width-inherit elementor-widget elementor-widget-heading\" data-id=\"43caf05\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Scale up and conquer new markets with the latest tech.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8953f74 e-con-full e-flex e-con e-child\" data-id=\"8953f74\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a83dfac elementor-align-left elementor-widget__width-initial elementor-widget-mobile__width-inherit cta-btn elementor-widget elementor-widget-button\" data-id=\"a83dfac\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#contact-form\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get started<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f50ef9a elementor-absolute elementor-widget-mobile__width-inherit transform elementor-widget-tablet__width-inherit elementor-widget elementor-widget-html\" data-id=\"f50ef9a\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"wave-container\"><\/div>\r\n\r\n<style>\r\n  .wave-container {\r\n    position: relative;\r\n    width: 320px;\r\n    height: 320px;\r\n  }\r\n\r\n    \r\n\r\n\r\n  @media(max-width: 1279px) {\r\n    .wave-container {\r\n      width: 100%;\r\n      height: 100%;\r\n    }\r\n  }\r\n  \r\n  .wave {\r\n    position: absolute;\r\n    border: 1px solid rgba(210, 184, 214, 1);\r\n    border-radius: 50%;\r\n    animation: drop 16s infinite;\r\n    top: 50%;\r\n    left: 50%;\r\n    transform: translate(-50%, -50%);\r\n    box-sizing: border-box;\r\n  }\r\n\r\n  @keyframes drop {\r\n    0% {\r\n      width: 0px;\r\n      height: 0px;\r\n      border: 1px solid rgba(210, 184, 214, 1);\r\n    }\r\n    100% {\r\n      width: 400px;\r\n      height: 400px;\r\n      border: 1px solid rgba(210, 184, 214, 0);\r\n    }\r\n  }\r\n<\/style>\r\n\r\n<script>\r\n\r\n  document.addEventListener('DOMContentLoaded', () => {\r\n    function createWaves(numberOfWaves) {\r\n      const waveContainers = document.querySelectorAll('.cta3 .wave-container');\r\n\r\n      waveContainers.forEach((waveContainer) => {\r\n        for (let i = 0; i < numberOfWaves; i++) {\r\n          const wave = document.createElement('div');\r\n          wave.classList.add('wave');\r\n\r\n          wave.style.animationDelay = `${i * 0.8}s`;\r\n\r\n          waveContainer.appendChild(wave);\r\n        }\r\n      });\r\n    }\r\n\r\n    createWaves(10)\r\n  });\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-638a3e8 e-con-full e-flex e-con e-parent\" data-id=\"638a3e8\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f60b038 elementor-widget elementor-widget-text-editor\" data-id=\"f60b038\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Trend #7: The growing focus on sustainable and ethical banking<\/h2>\n<span style=\"font-weight: 400;\">Banks are increasingly recognizing the need to fight climate change and bring sustainable practices into their operations. By focusing on <\/span><a href=\"https:\/\/innowise.com\/services\/esg\/consulting\/\" rel=\"noopener\"><b>environmental, social, and governance (ESG) factors<\/b><\/a><span style=\"font-weight: 400;\">, they\u2019re helping push for a low-carbon economy and giving customers options to reduce their carbon footprint, like investing in carbon credits for reforestation, renewable energy, and cutting waste.<\/span>\n\n<span style=\"font-weight: 400;\">Many banks are making the switch to digital to be more sustainable. <\/span><b>Commerzbank<\/b><span style=\"font-weight: 400;\">, for example, has cut back on paper by offering e-statements and digital contracts, while also providing tools like carbon calculators to help customers track their environmental impact. <\/span><b>Standard Chartered <\/b><span style=\"font-weight: 400;\">has taken things a step further, going almost entirely paperless. Customers can manage their accounts, apply for loans, and invest online, all while reducing paper waste. Over in the U.S., the <\/span><b>Bank of the West<\/b><span style=\"font-weight: 400;\"> has fully embraced digital banking, offering paperless transactions and statements. Their app also helps customers monitor their environmental impact, pushing sustainability even further.<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3922bb5 elementor-widget elementor-widget-image\" data-id=\"3922bb5\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1000\" height=\"412\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/03\/ESG.svg\" class=\"attachment-full size-full wp-image-180531\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-774a3d7 elementor-widget elementor-widget-text-editor\" data-id=\"774a3d7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Future outlook<\/h3><p><span style=\"font-weight: 400;\">The future of sustainable banking is all about embracing new regulations and digital advancements. <\/span><span style=\"font-weight: 400;\">Open banking is leading the way here, rolling out digital services that cut down carbon footprint and encourage greener financial practices.<\/span><span style=\"font-weight: 400;\"> Apps like <\/span><b>Greenly and Svalna<\/b><span style=\"font-weight: 400;\"> are using open banking data to help customers see their environmental impact, making it easier for them to make more sustainable choices.<\/span><\/p><p><b>Environmentally-friendly cryptocurrencies<\/b><span style=\"font-weight: 400;\"> are also set to play a big role in the future of banking. As we move away from traditional cryptocurrencies like Bitcoin, which rely on energy-guzzling proof of work (PoW) systems, the focus is shifting to more sustainable options that use <\/span><b>proof of stake (PoS) to cut down on energy use<\/b><span style=\"font-weight: 400;\">. Plus, green cryptocurrencies like <\/span><b>Green Bitcoin, eTukTuk, and Bitcoin Minetrix<\/b><span style=\"font-weight: 400;\"> are pushing the industry even further towards sustainability by focusing on clean energy and reducing energy consumption.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b39f890 e-con-full e-flex e-con e-parent\" data-id=\"b39f890\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-87575e4 elementor-widget elementor-widget-text-editor\" data-id=\"87575e4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Trend #8: Automating investments with robo-advising<\/h2><p><span style=\"font-weight: 400;\">A robo-advisor, also known as a &#8220;robo,&#8221; is a digital brokerage account that automates the investment process. It builds portfolios with<\/span><b> low-cost exchange-traded funds (ETFs)<\/b><span style=\"font-weight: 400;\"> and offers flexibility in account types, including taxable brokerage accounts and <\/span><b>tax-advantaged individual retirement accounts (IRAs)<\/b><span style=\"font-weight: 400;\">. Options like traditional IRAs, Roth IRAs, and SEP IRAs are available to help choose the most suitable account based on financial goals.<\/span><\/p><p><span style=\"font-weight: 400;\">Robo-advisors use <\/span><b>modern portfolio theory (MPT) <\/b><span style=\"font-weight: 400;\">to build portfolios while maximizing returns and minimizing risk through diversification. MPT suggests spreading investments across different asset classes to reduce the impact of market fluctuations and maintain steady portfolio growth.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18c1045 elementor-widget elementor-widget-image\" data-id=\"18c1045\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"482\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/03\/Robo-advistory-market-size-by-region.svg\" class=\"attachment-full size-full wp-image-180534\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-09973f2 elementor-widget elementor-widget-text-editor\" data-id=\"09973f2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Future outlook<\/h3><p><span style=\"font-weight: 400;\">According to IMARC Group, the global robo-advisory market can reach <\/span><a href=\"https:\/\/www.imarcgroup.com\/robo-advisory-market\" target=\"_blank\" rel=\"noopener nofollow\"><span style=\"font-weight: 400;\">$92.2 billion by 2033,<\/span><\/a><span style=\"font-weight: 400;\"> reflecting a CAGR of 24.33%.<\/span><\/p><p><span style=\"font-weight: 400;\">While robo-advisors aren\u2019t likely to replace human consultants anytime soon, a hybrid approach that combines digital algorithms with a human touch brings big benefits. This mix boosts digital customer service and lets advisors spend more time building client relationships and offering strategic advice.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d621ef5 e-con-full e-flex e-con e-parent\" data-id=\"d621ef5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3836d0c elementor-widget elementor-widget-text-editor\" data-id=\"3836d0c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Trend #9: Composable banking for greater flexibility<\/h2><p>In 2025, composable banking is making waves in digital banking technologies by letting banks build their services in a much more flexible, customizable way. Instead of sticking with a one-size-fits-all system, banks are tapping into <strong>modular components from external partners to enhance their tech setup<\/strong>. APIs are the key here, connecting everything smoothly and allowing banks to mix and match different systems and services.<\/p><p><span style=\"font-weight: 400;\">What makes composable banking so powerful is how it lets banks stay nimble. If a certain service isn\u2019t resonating with customers anymore, they can easily swap it out without tearing everything down. This ability to pivot quickly is crucial as the market keeps shifting. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aec8551 elementor-widget elementor-widget-text-editor\" data-id=\"aec8551\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Future outlook<\/h3><p><span style=\"font-weight: 400;\">Looking ahead, composable banking will likely become the standard for <\/span><b>digital-first financial services<\/b><span style=\"font-weight: 400;\">. The growing ecosystem of third-party providers and FinTech partnerships will fuel further progress and make composable banking essential for banks looking to stay competitive. Managing risk and compliance will also become easier, thanks to better modular solutions that help banks adapt quickly to regulatory changes. Finally, composable banking will help <\/span><b>democratize financial services and make them more accessible<\/b><span style=\"font-weight: 400;\"> and tailored to a broader range of customers.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-705fa3d e-con-full e-flex e-con e-parent\" data-id=\"705fa3d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-770eae0 elementor-widget elementor-widget-text-editor\" data-id=\"770eae0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Trend #10: Supercharging convenience with super apps<\/h2><p><span style=\"font-weight: 400;\">In the financial world, <\/span><a href=\"https:\/\/innowise.com\/services\/super-app-development\/\"><span style=\"font-weight: 400;\">a super app<\/span><\/a><span style=\"font-weight: 400;\"> combines all sorts of financial services into one handy mobile app. Instead of downloading separate apps for banking, investing, payments, insurance, and financial planning, a financial super app puts everything in one place.<\/span><\/p><p><span style=\"font-weight: 400;\">Key features of FinTech super apps in 2025:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Digital payments facilitation<\/b><span style=\"font-weight: 400;\">: secure and user-friendly payment option through mobile wallets, peer-to-peer transactions, NFC, and QR codes.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Mobile banking promotion:<\/b><span style=\"font-weight: 400;\"> easy access to bank accounts, balance checks, transactions (like fund transfers), and bill payments directly through the app.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Investment and wealth management:<\/b><span style=\"font-weight: 400;\"> allows users to trade stocks, mutual funds, and digital assets. They also offer portfolio tracking, real-time market data, investment analysis tools, and personalized investment recommendations.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Personal financial management:<\/b><span style=\"font-weight: 400;\"> helps users with budgeting, expense tracking, setting financial goals, and receiving alerts for bill payments and financial milestones.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Credit solutions and lending options:<\/b><span style=\"font-weight: 400;\"> features include loan calculators, eligibility assessments, credit card management, and peer-to-peer lending services.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>AI\/ML:<\/b><span style=\"font-weight: 400;\"> AI and ML offer personalized insights and recommendations based on user data, fine-tuned financial strategies, and identified areas for improvement.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Customer service:<\/b><span style=\"font-weight: 400;\"> AI-powered chatbots provide instant, automated customer support, supplemented by in-app messaging and ticketing systems to resolve queries efficiently.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8857631 elementor-widget elementor-widget-image\" data-id=\"8857631\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"438\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/03\/Super-apps.svg\" class=\"attachment-full size-full wp-image-180535\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32eeaf9 elementor-widget elementor-widget-text-editor\" data-id=\"32eeaf9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Future outlook<\/h3><p><span style=\"font-weight: 400;\">The future of financial super apps could see them expanding more into Western markets. However, Western consumers are used to using dedicated apps for specific needs \u2014 like Instagram for photos, Discord for chatting while gaming, and Venmo for sending money. Because of this established habit and existing competition, we might see niche-specific super apps in the West rather than the all-in-one super apps popular in Asia.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8af05d9 e-con-full e-flex e-con e-parent\" data-id=\"8af05d9\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aac857a elementor-widget elementor-widget-text-editor\" data-id=\"aac857a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Trend #11: Redefining workflows with agentic AI<\/h2>\n<p><a href=\"https:\/\/innowise.com\/services\/ai-development\/agents\/\">Agentic AI<\/a> is becoming one of the key trends in digital banking, surpassing GenAI by enabling autonomous decision-making, learning, and collaboration. Unlike GenAI, which relies on human prompts, agentic AI can <strong>independently perceive, reason, act, and improve over time<\/strong> using networks of agents.<\/p>\n<p><span style=\"font-weight: 400;\">In banking, <\/span><b>agentic AI is driving two main paths<\/b><span style=\"font-weight: 400;\">: internally, it automates routine tasks like data entry, compliance checks, and predictive modeling for trading and risk management. Externally, it enhances customer relationships through automated help desks, personalized investment advice, and more.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These innovations aim to boost efficiency and cut costs. As Citigroup highlighted in its <\/span><a href=\"https:\/\/ir.citi.com\/gps\/PxQa3WS0aYzkxqKotCbV0SBGhZ1K5O\/rMHyDjODXrspQmnDDpp6qZw==\" target=\"_blank\" rel=\"noopener nofollow\"><span style=\"font-weight: 400;\">January 2025 report<\/span><\/a><span style=\"font-weight: 400;\">, agentic AI is set to <\/span><b>power the &#8220;Do It For Me&#8221; economy<\/b><span style=\"font-weight: 400;\">, potentially having an even greater impact on the financial sector than the internet era.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1691a06 elementor-widget elementor-widget-image\" data-id=\"1691a06\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"439\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/03\/An-agentic-approach-to-task-completion.svg\" class=\"attachment-full size-full wp-image-180537\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8ba7a26 elementor-widget elementor-widget-text-editor\" data-id=\"8ba7a26\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Future outlook<\/h3><p><span style=\"font-weight: 400;\">Even though agentic AI is still in the experimental phase, references to it in corporate documents and press articles have <\/span><a href=\"https:\/\/www.citiwarrants.com\/home\/upload\/citi_research\/rsch_pdf_30305836.pdf\" target=\"_blank\" rel=\"noopener nofollow\"><b>surged 17 times in 2024 alone<\/b><\/a><span style=\"font-weight: 400;\">, and we expect this to skyrocket. As agentic AI continues to develop, it\u2019s going to shake up the way we work. Tasks that are usually outsourced to contractors or third parties are likely to be handled more and more by AI systems, changing the way we approach work.<\/span><\/p><p><span style=\"font-weight: 400;\">For the banking industry \u2014 one of the most tightly regulated sectors out there \u2014 finding the right balance between embracing agentic AI and staying on top of regulations will be a major challenge. How financial services integrate AI while making sure security, privacy, and ethical standards are upheld will be key to how this tech shapes the future.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0b259c2 e-con-full e-flex e-con e-parent\" data-id=\"0b259c2\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-208e7a9 elementor-widget elementor-widget-text-editor\" data-id=\"208e7a9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Trend #12: Scaling financial asset tokenization<\/h2><p><a href=\"https:\/\/innowise.com\/services\/blockchain\/asset-tokenization\/\"><span style=\"font-weight: 400;\">Financial asset tokenization<\/span><\/a><span style=\"font-weight: 400;\"> is gradually gaining traction, with significant acceleration expected as network effects build momentum. In 2025, it is anticipated that certain asset classes will achieve meaningful adoption, defined as <\/span><a href=\"https:\/\/www.mckinsey.com\/industries\/financial-services\/our-insights\/from-ripples-to-waves-the-transformational-power-of-tokenizing-assets\" target=\"_blank\" rel=\"noopener nofollow\"><b>surpassing $100 billion in tokenized market capitalization<\/b><\/a><span style=\"font-weight: 400;\"> by the end of the decade. Leading the charge will likely be asset classes such as <\/span><b>cash and deposits, bonds and exchange-traded notes (ETNs), mutual funds, exchange-traded funds (ETFs), as well as loans and securitization<\/b><span style=\"font-weight: 400;\">. Adoption rates for these assets are already showing substantial progress, driven by blockchain&#8217;s ability to increase efficiency, create value, and enhance regulatory feasibility.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2fa4a20 elementor-widget elementor-widget-image\" data-id=\"2fa4a20\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"580\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/03\/Scaling-financial-asset-tokenization-1.svg\" class=\"attachment-full size-full wp-image-180966\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf69ad8 elementor-widget elementor-widget-text-editor\" data-id=\"cf69ad8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Future outlook<\/h3><p><span style=\"font-weight: 400;\">On 9 January 2025, the OECD published a new <\/span><a href=\"https:\/\/www.oecd.org\/content\/dam\/oecd\/en\/publications\/reports\/2025\/01\/tokenisation-of-assets-and-distributed-ledger-technologies-in-financial-markets_be149012\/40e7f217-en.pdf\" target=\"_blank\" rel=\"noopener nofollow\"><b>Policy Paper on the Tokenization of Assets in Financial Markets<\/b><\/a><span style=\"font-weight: 400;\">, highlighting key challenges in its adoption. These risks include <\/span><b>cybersecurity threats, pseudonymity, AML\/CFT concerns, and vulnerabilities in smart contracts<\/b><span style=\"font-weight: 400;\">. Additionally, existing regulatory frameworks may struggle to address these unique risks due to differences between DLT-based finance and traditional systems, leading to potential enforcement gaps. <\/span><\/p><p><span style=\"font-weight: 400;\">Moving forward, regulators will play a crucial role in updating policies to make sure they are adaptable and robust enough to manage these emerging risks. More refined regulations that balance innovation with security will help create a more integrated, transparent, and efficient financial market ecosystem as tokenized assets continue to grow.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9f4fc3a e-con-full e-flex e-con e-child\" data-id=\"9f4fc3a\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-531bb43 elementor-widget elementor-widget-text-editor\" data-id=\"531bb43\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u201cAdopting new tech is a game-changer for the ever-evolving banking sector. Bringing in new tech in your operations can make everything run smoother, give customers a better experience, and tighten up cybersecurity. So, why not jump on board? Embracing these digital banking innovations helps you stay competitive and keep up with the growing needs of digital-savvy customers.\u201d<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1c8c33a e-grid e-con-full e-con e-child\" data-id=\"1c8c33a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3fb7d6e elementor-widget elementor-widget-image\" data-id=\"3fb7d6e\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"180\" height=\"180\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/Ivan-Shatukha.png\" class=\"attachment-full size-full wp-image-184597\" alt=\"\" srcset=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/Ivan-Shatukha.png 180w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/Ivan-Shatukha-150x150.png 150w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/Ivan-Shatukha-12x12.png 12w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/elementor\/thumbs\/Ivan-Shatukha-rcasmxqaicdkqgoi5b3zkizqun0cge9m57afjvbx0k.png 10w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/elementor\/thumbs\/Ivan-Shatukha-rcasmxqbltad6o0v4bw1gzy9s8st8z5rftf334rf1k.png 100w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/elementor\/thumbs\/Ivan-Shatukha-rcasmxqbd1j2v2e48jpt1s6lkryhimim9gi1uunz1c.png 80w\" sizes=\"(max-width: 180px) 100vw, 180px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-00c5ee4 e-con-full e-flex e-con e-child\" data-id=\"00c5ee4\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-914d315 quoter elementor-widget elementor-widget-text-editor\" data-id=\"914d315\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong>Ivan Shatukha\n<\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61aa83e quoter-pos elementor-widget elementor-widget-text-editor\" data-id=\"61aa83e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"grey\">Head of Global Development\n<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4b3be87 e-con-full cta4 e-flex e-con e-child\" data-id=\"4b3be87\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-ff70564 relative animated-circle-adaptive e-con-full e-flex e-con e-child\" data-id=\"ff70564\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-482ab5f e-con-full e-flex e-con e-child\" data-id=\"482ab5f\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a1ee9d elementor-widget-tablet__width-inherit elementor-widget elementor-widget-heading\" data-id=\"5a1ee9d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Embrace digital transformation and unlock new opportunities.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c6be83a e-con-full e-flex e-con e-child\" data-id=\"c6be83a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-403db7b elementor-align-left elementor-widget__width-initial elementor-widget-mobile__width-inherit cta-btn elementor-widget elementor-widget-button\" data-id=\"403db7b\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#contact-form\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Let\u2019s talk<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f8e194f elementor-absolute elementor-widget-mobile__width-inherit transform elementor-widget-tablet__width-inherit elementor-widget elementor-widget-html\" data-id=\"f8e194f\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"wave-container\"><\/div>\r\n\r\n<style>\r\n  .wave-container {\r\n    position: relative;\r\n    width: 320px;\r\n    height: 320px;\r\n  }\r\n\r\n\r\n  @media(max-width: 1279px) {\r\n    .wave-container {\r\n      width: 100%;\r\n      height: 100%;\r\n    }\r\n  }\r\n\r\n\r\n  .wave {\r\n    position: absolute;\r\n    border: 1px solid rgba(210, 184, 214, 1);\r\n    border-radius: 50%;\r\n    animation: drop 16s infinite;\r\n    top: 50%;\r\n    left: 50%;\r\n    transform: translate(-50%, -50%);\r\n    box-sizing: border-box;\r\n  }\r\n\r\n  @keyframes drop {\r\n    0% {\r\n      width: 0px;\r\n      height: 0px;\r\n      border: 1px solid rgba(210, 184, 214, 1);\r\n    }\r\n    100% {\r\n      width: 400px;\r\n      height: 400px;\r\n      border: 1px solid rgba(210, 184, 214, 0);\r\n    }\r\n  }\r\n<\/style>\r\n\r\n<script>\r\n\r\n  document.addEventListener('DOMContentLoaded', () => {\r\n    function createWaves(numberOfWaves) {\r\n      const waveContainers = document.querySelectorAll('.cta4 .wave-container');\r\n\r\n      waveContainers.forEach((waveContainer) => {\r\n        for (let i = 0; i < numberOfWaves; i++) {\r\n          const wave = document.createElement('div');\r\n          wave.classList.add('wave');\r\n\r\n          wave.style.animationDelay = `${i * 0.8}s`;\r\n\r\n          waveContainer.appendChild(wave);\r\n        }\r\n      });\r\n    }\r\n\r\n    createWaves(10)\r\n  });\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf02d3d elementor-widget elementor-widget-text-editor\" data-id=\"bf02d3d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Final thoughts<\/h2><p>Digital banking technologies are advancing quickly, with new developments happening all the time. Traditional banks need to stay on top of these changes to remain relevant, while banks that are already digital should focus on strengthening their offerings, managing security risks, and providing smooth, intuitive services. Whether you&#8217;re just starting to go digital or already there, Innowise can help you <a href=\"https:\/\/innowise.com\/industries\/finance\/\">build the right tech<\/a> to stay ahead.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4beaf1c e-con-full e-flex e-con e-parent\" data-id=\"4beaf1c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a17bb3b elementor-widget elementor-widget-heading\" data-id=\"a17bb3b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4254b55 faq elementor-widget elementor-widget-html\" data-id=\"4254b55\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\n    .c-accordion__toggle-button {\n        outline: none !important;\n    }\n<\/style>\n\n\n<div class=\"c-section__container\">\n    <div class=\"custom-faq-acc__container\">\n\n        <div class=\"c-accordion--faq custom-faq-acc__accordion\">\n\n\n            <div class=\"c-accordion__item\">\n                <div class=\"c-accordion__trigger custom-faq-acc__accordion-trigger\">\n                    <div class=\"c-accordion__header\">\n                        <button class=\"c-accordion__toggle-button\">\n                            <img decoding=\"async\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2022\/02\/open-accordion.svg\"\n                                alt=\"toggle-icon\">\n                        <\/button>\n                        <span class=\"c-accordion__title\">How is AI transforming digital banking?<\/span>\n                    <\/div>\n                    <div class=\"c-accordion__panel custom-faq-acc__content\">\n\n                        <div class=\"custom-faq-acc__content__column\">\n                            <p>AI helps banks to up their game in detecting fraud and making more accurate financial predictions. It also helps them cut down on risks, save money on old systems, and streamline processes that used to be really time-consuming and manual.<\/p>\n                        <\/div>\n\n                    <\/div>\n                <\/div>\n            <\/div>\n            \n            <div class=\"c-accordion__item\">\n                <div class=\"c-accordion__trigger custom-faq-acc__accordion-trigger\">\n                    <div class=\"c-accordion__header\">\n                        <button class=\"c-accordion__toggle-button\">\n                            <img decoding=\"async\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2022\/02\/open-accordion.svg\"\n                                alt=\"toggle-icon\">\n                        <\/button>\n                        <span class=\"c-accordion__title\">What role does blockchain play in digital banking?<\/span>\n                    <\/div>\n                    <div class=\"c-accordion__panel custom-faq-acc__content\">\n\n                        <div class=\"custom-faq-acc__content__column\">\n                            <p>Blockchain is transforming banking by boosting security, speeding up transactions, and cutting costs. Plus, it offers quicker and cheaper cross-border transactions, making the whole process smoother and more efficient.<\/p>\n                        <\/div>\n\n                    <\/div>\n                <\/div>\n            <\/div>\n            \n            <div class=\"c-accordion__item\">\n                <div class=\"c-accordion__trigger custom-faq-acc__accordion-trigger\">\n                    <div class=\"c-accordion__header\">\n                        <button class=\"c-accordion__toggle-button\">\n                            <img decoding=\"async\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2022\/02\/open-accordion.svg\"\n                                alt=\"toggle-icon\">\n                        <\/button>\n                        <span class=\"c-accordion__title\">What is open banking and why is it important?<\/span>\n                    <\/div>\n                    <div class=\"c-accordion__panel custom-faq-acc__content\">\n\n                        <div class=\"custom-faq-acc__content__column\">\n                            <p>Open banking allows third-party developers to access financial data from traditional banks through APIs. It makes financial services easier to access, allows for instant transactions, and encourages partnerships between banks and FinTechs.<\/p>\n                        <\/div>\n\n                    <\/div>\n                <\/div>\n            <\/div>\n            \n            <div class=\"c-accordion__item\">\n                <div class=\"c-accordion__trigger custom-faq-acc__accordion-trigger\">\n                    <div class=\"c-accordion__header\">\n                        <button class=\"c-accordion__toggle-button\">\n                            <img decoding=\"async\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2022\/02\/open-accordion.svg\"\n                                alt=\"toggle-icon\">\n                        <\/button>\n                        <span class=\"c-accordion__title\">How are banks improving cybersecurity in 2025?<\/span>\n                    <\/div>\n                    <div class=\"c-accordion__panel custom-faq-acc__content\">\n\n                        <div class=\"custom-faq-acc__content__column\">\n                            <p>In 2025, banks are stepping up their cybersecurity game to counter the growing threats. They're moving towards passwordless authentication and using biometric techs like fingerprints and facial recognition to make it harder for fraudsters to succeed.<\/p>\n                        <\/div>\n\n                    <\/div>\n                <\/div>\n            <\/div>\n\n\n        <\/div>\n\n        \n    <\/div>\n\n<\/div>\n\n    <script src=\"https:\/\/innowise.com\/wp-content\/themes\/hello-elementor\/assets\/js\/accordion.min.js\"><\/script>\n\n    <script>\n        window.addEventListener(\"DOMContentLoaded\", (event) => {\n\n            const siteLanguage = document.documentElement.getAttribute(\"lang\").toLowerCase();\n\n            function initAccordion(element) {\n                if (!element) return;\n\n                new Accordion(element, {\n                    duration: 200,\n                    showMultiple: false,\n                    onOpen: function (currentElement) {\n                        const img = currentElement.querySelector('.c-accordion__toggle-button img');\n                        img.src = 'https:\/\/innowise.com\/wp-content\/uploads\/2022\/02\/close-accordion.svg';\n                    },\n                    onClose: function (currentElement) {\n                        const img = currentElement.querySelector('.c-accordion__toggle-button img');\n                        img.src = 'https:\/\/innowise.com\/wp-content\/uploads\/2022\/02\/open-accordion.svg';\n                    },\n                    elementClass: 'c-accordion__item',\n                    triggerClass: 'c-accordion__trigger',\n                    panelClass: 'c-accordion__panel',\n                    activeClass: 'c-accordion__item_active',\n                });\n            }\n\n\n            initAccordion(document.querySelector(\".c-accordion--faq\"))\n        })\n    <\/script>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4eedb5e elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"4eedb5e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3c01688 elementor-widget elementor-widget-shortcode\" data-id=\"3c01688\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">[post_share]<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2955713 author-wrapper elementor-hidden-desktop e-con-full e-flex e-con e-parent\" data-id=\"2955713\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-67ed311 elementor-hidden-desktop elementor-widget elementor-widget-html\" data-id=\"67ed311\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"author-wrap\">\r\n       <div class=\"author-info\">\r\n        <img loading=\"lazy\" decoding=\"async\"\r\n        class=\"author-info__img\"\r\n          src=\"https:\/\/innowise.com\/wp-content\/uploads\/2024\/10\/unsplash_JyVcAIUAcPM.png\"\r\n          width=\"50\"\r\n          height=\"50\"\r\n          alt=\"author\"\r\n        \/>\r\n        <div class=\"author-info__personal-data\">\r\n            <span class=\"author-info__personal-data__name\">\r\n            Siarhei Sukhadolski\r\n            <\/span>\r\n          <span class=\"author-info__role\">FinTech Expert<\/span>\r\n        <\/div>\r\n      <\/div>\r\n  <div class=\"author-gray-line\"><\/div>\r\n  <div class=\"author-date-publish\">\r\n    <span>Date:<\/span> <span>Mar 19, 2025<\/span>\r\n  <\/div>\r\n  <div class=\"author-gray-line\"><\/div>\r\n  <div class='author-share-butons'>\r\n    <span>Share:<\/span>\r\n    <div class=\"share-buttons\">\r\n      <button class=\"share-button facebook\"><svg width=\"24\" height=\"25\" viewBox=\"0 0 24 25\" fill=\"none\"\r\n          xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\r\n          <g clip-path=\"url(#clip0_51466_22853)\">\r\n            <path\r\n              d=\"M14.1677 25.8047V15.758H17.4323L17.929 11.8714H14.1677V9.37802C14.1677 8.27802 14.4516 7.47135 16.0129 7.47135H18V3.95135C17.6452 3.87802 16.4387 3.80469 15.0903 3.80469C12.1806 3.80469 10.1935 5.63802 10.1935 8.93802V11.8714H7V15.758H10.2645V25.8047H14.1677Z\" \/>\r\n          <\/g>\r\n          <defs>\r\n            <clipPath id=\"clip0_51466_22853\">\r\n              <rect width=\"24\" height=\"24\" fill=\"white\" transform=\"translate(0 0.804688)\" \/>\r\n            <\/clipPath>\r\n          <\/defs>\r\n        <\/svg><\/button>\r\n      <button class=\"share-button linkedin\"><svg width=\"24\" height=\"25\" viewBox=\"0 0 24 25\" fill=\"none\"\r\n          xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\r\n          <g clip-path=\"url(#clip0_51466_22855)\">\r\n            <path\r\n              d=\"M2.30769 24.8047H6.46154V11.4201H2.30769V24.8047ZM4.38462 4.80469C3.07692 4.80469 2 5.88161 2 7.1893C2 8.497 3.07692 9.57392 4.38462 9.57392C5.69231 9.57392 6.76923 8.497 6.76923 7.1893C6.76923 5.88161 5.69231 4.80469 4.38462 4.80469ZM17 11.1124C15 11.1124 13.6154 12.1893 13.0769 13.2662H13V11.4201H9V24.8047H13.1538V18.1893C13.1538 16.4201 13.4615 14.7278 15.6154 14.7278C17.7692 14.7278 17.7692 16.7278 17.7692 18.2662V24.8047H22V17.497C22 13.8816 21.2308 11.1124 17 11.1124Z\" \/>\r\n          <\/g>\r\n          <defs>\r\n            <clipPath id=\"clip0_51466_22855\">\r\n              <rect width=\"24\" height=\"24\" fill=\"white\" transform=\"translate(0 0.804688)\" \/>\r\n            <\/clipPath>\r\n          <\/defs>\r\n        <\/svg>\r\n      <\/button>\r\n      <button class=\"share-button twitter\"><svg width=\"24\" height=\"25\" viewBox=\"0 0 24 25\" fill=\"none\"\r\n          xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\r\n          <g clip-path=\"url(#clip0_51466_22857)\">\r\n            <path\r\n              d=\"M13.8417 14.4265L20.3986 6.80469H18.8448L13.1514 13.4226L8.60414 6.80469H3.35938L10.2358 16.8121L3.35938 24.8047H4.91325L10.9256 17.816L15.7279 24.8047H20.9727L13.8413 14.4265H13.8417ZM11.7134 16.9003L11.0167 15.9037L5.47313 7.9744H7.85979L12.3335 14.3736L13.0302 15.3701L18.8456 23.6882H16.4589L11.7134 16.9006V16.9003Z\" \/>\r\n          <\/g>\r\n          <defs>\r\n            <clipPath id=\"clip0_51466_22857\">\r\n              <rect width=\"24\" height=\"24\" fill=\"white\" transform=\"translate(0 0.804688)\" \/>\r\n            <\/clipPath>\r\n          <\/defs>\r\n        <\/svg><\/button>\r\n      <button class=\"share-button telegram\"><svg width=\"24\" height=\"25\" viewBox=\"0 0 24 25\" fill=\"none\"\r\n          xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\r\n          <path\r\n            d=\"M19.6861 6.49338L3.70031 13.3481C3.70031 13.3481 2.94364 13.6308 3.00336 14.1531C3.06308 14.6754 3.68001 14.9149 3.68001 14.9149L7.70109 16.3949L17.357 9.69227C17.357 9.69227 17.9142 9.32211 17.8945 9.69227C17.8945 9.69227 17.9942 9.75755 17.6956 10.0624C17.397 10.3673 10.1109 17.5263 10.1109 17.5263L9.58592 22.4206C9.80809 22.5264 10.0111 22.3579 10.0111 22.3579L12.6096 19.7681L16.6606 23.1629C17.7553 23.6851 18.1536 22.5969 18.1536 22.5969L21 6.90728C21 5.86274 19.6861 6.49338 19.6861 6.49338Z\" \/>\r\n        <\/svg><\/button>\r\n    <\/div>\r\n  <\/div>\r\n<\/div>\r\n\r\n<script>\r\n  const shareButtons = document.querySelectorAll('.share-button');\r\n\r\n  shareButtons.forEach(button => {\r\n    button.addEventListener('click', () => {\r\n      const url = window.location.href;\r\n      const platform = button.classList[1];\r\n\r\n      let shareUrl;\r\n      switch (platform) {\r\n        case 'facebook':\r\n          shareUrl = `https:\/\/www.facebook.com\/sharer\/sharer.php?u=${encodeURIComponent(url)}`;\r\n          break;\r\n        case 'twitter':\r\n          shareUrl = `https:\/\/twitter.com\/share?url=${encodeURIComponent(url)}`;\r\n          break;\r\n        case 'linkedin':\r\n          shareUrl = `https:\/\/www.linkedin.com\/shareArticle?url=${encodeURIComponent(url)}`;\r\n          break;\r\n        case 'telegram':\r\n          shareUrl = `https:\/\/telegram.me\/share\/url?url=${encodeURIComponent(url)}`;\r\n          break;\r\n\r\n      }\r\n      window.open(shareUrl, '_blank');\r\n    });\r\n  });\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a8b2adc table-content-container\" data-id=\"a8b2adc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c990600 author-wrapper e-con-full e-flex e-con e-parent\" data-id=\"c990600\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-79ab783 elementor-widget elementor-widget-html\" data-id=\"79ab783\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"author-wrap\">\r\n       \r\n       <div class=\"author-info\">\r\n        <img loading=\"lazy\" decoding=\"async\"\r\n        class=\"author-info__img\"\r\n          src=\"https:\/\/innowise.com\/wp-content\/uploads\/2024\/10\/unsplash_JyVcAIUAcPM.png\"\r\n          width=\"50\"\r\n          height=\"50\"\r\n          alt=\"author\"\r\n        \/>\r\n        <div class=\"author-info__personal-data\">\r\n            <span class=\"author-info__personal-data__name\">\r\n            Siarhei Sukhadolski\r\n            <\/span>\r\n          <span class=\"author-info__role\">FinTech Expert & Head of Competence Center\r\n<\/span>\r\n        <\/div>\r\n      <\/div>\r\n      <div class=\"author-gray-line\"><\/div>\r\n      <div class=\"author-date-publish\">\r\n        <span>Date:<\/span> <span>Mar 19, 2025<\/span>\r\n      <\/div>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-section elementor-inner-section elementor-element elementor-element-c4abfee elementor-section-full_width table-of-contents__sticky-container stickyWrapper72 elementor-section-height-default elementor-section-height-default\" data-id=\"c4abfee\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-8b4d466 author-block\" data-id=\"8b4d466\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6e2f024 ddcv elementor-widget elementor-widget-html\" data-id=\"6e2f024\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\n\r\n.article-description > .e-con-inner{\r\n     align-items: baseline !important;\r\n}\r\n\r\n.stickyWrapper72{\r\n    position: sticky;\r\n    top: 72px;\r\n    bottom: auto;   \r\n}  \r\n\r\n<\/style>\r\n\r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", ()=>{\r\n        \r\nconst headerElement = document.querySelector(\".new-menu\");\r\n\r\nconst stickyElement = document.querySelector(\".stickyWrapper72\");\r\n\r\nconst headerElementH = headerElement.clientHeight;\r\n\r\n\r\nstickyElement.style.top =  headerElementH + 60 + \"px\";\r\n        \r\n});\r\n<\/script>\r\n\r\n<!--NOTE Change data-id in wrapper styles for hide this block on the mobile device screen-->\r\n<div class=\"toc-wrapper\">\r\n  <h3 class=\"toc-title\">Table of contents<\/h3>\r\n  <div class=\"toc-2\"><\/div>\r\n<\/div>\r\n\r\n<script>\r\n  \/\/NOTE Add the value from h2 as the key and the text you want to display as the key value in LINKS variable:\r\n  \/\/   const LINKS = {\r\n  \/\/       \"The demand for retail digital transformation\": \"The demand\"\r\n  \/\/   }\r\n\r\n  const LINKS = {\r\n    \"Unleashing the power of .NET 8\": \"gggggg\",\r\n    \"Revamping legacy systems: unlocking business potential through software modernization\":\r\n      \"hello\",\r\n  };\r\n\r\n  const OFFSET = 70;\r\n   const PADDING_BOTTOM_FOR_SCROLL = 100;\r\n  let allHeaders = [];\r\n\r\n  const forEach = (array, callback, scope) => {\r\n    for (let i = 0; i < array.length - 1; i++) {\r\n      callback.call(scope, i, array[i]);\r\n    }\r\n  };\r\n\r\n  const createList = () => {\r\n    const tocTarget = document.querySelector(\".toc-2\");\r\n    const toc = document.createElement(\"ul\");\r\n    \r\n    \r\n    let headerList = [...document.querySelectorAll(\"h2\")];\r\n\r\n    \r\n    const filteredHeaders = [\r\n        \/\/document.querySelector(\"#faq-h2 h2\"),\r\n        document.querySelector(\".related_content_blog_container h2\"),\r\n        document.querySelector(\".net-15.dt-16 h2\"),\r\n        document.querySelector(\".other_services_container h2\")\r\n    ]\r\n    \r\n    headerList = headerList.filter((elem)=> {\r\n        return !filteredHeaders.includes(elem);\r\n    })\r\n    \r\n    allHeaders = headerList.slice(0, -1);\r\n    \r\n    \r\n    forEach(headerList, (index, header) => {\r\n      const headerId = header.getAttribute(\"id\");\r\n      const headerText =\r\n        header.dataset.title && header.dataset.title !== \"\"\r\n          ? header.dataset.title\r\n          : header.textContent;\r\n\r\n      const headerTocText = header.dataset.title;\r\n\r\n      const idFromText =\r\n        !headerId || headerId === \"\"\r\n          ? headerText\r\n              .toLowerCase()\r\n              .replace(\/[^\\w ]+\/g, \"\")\r\n              .replace(\/ +\/g, \"-\")\r\n          : headerId;\r\n\r\n      const newListItem = document.createElement(\"li\");\r\n      const newLink = document.createElement(\"a\");\r\n      newLink.setAttribute(\"href\", \"#\" + idFromText);\r\n      newLink.textContent = LINKS[headerText] || headerText;\r\n\r\n      newLink.addEventListener(\"click\", (e) => {\r\n        e.preventDefault();\r\n        const allLinks = Array.from(document.querySelectorAll(\"div.toc-2 ul li\"));\r\n        allLinks.forEach((link, i) => {\r\n          i < index\r\n            ? link.classList.add(\"pre-active\")\r\n            : link.classList.remove(\"active\", \"pre-active\");\r\n        });\r\n\r\n        const parentListItem = e.target.parentNode;\r\n        parentListItem.classList.add(\"active\");\r\n\r\n        const y =\r\n          header.getBoundingClientRect().top +\r\n          window.pageYOffset -\r\n          PADDING_BOTTOM_FOR_SCROLL -\r\n          OFFSET;\r\n        window.scrollTo({ top: y, behavior: \"smooth\" });\r\n      });\r\n\r\n\r\n      newListItem.appendChild(newLink);\r\n        toc.appendChild(newListItem)\r\n    });\r\n    \r\n    tocTarget.appendChild(toc);\r\n  };\r\n\r\n  const setContainerHeight = () => {\r\n    const windowHeight = window.innerHeight;\r\n    const tocContainer = document.querySelector(\".ddcv\");\r\n\r\n    tocContainer.style.maxHeight = \"calc(100vh - 230px)\";\r\n    tocContainer.style.minHeight = \"200px\";\r\n    tocContainer.style.overflowY = \"auto\";\r\n  };\r\n\r\n  const selectCurrentHeader = (i) => {\r\n    const allLinks = Array.from(document.querySelectorAll(\"div.toc-2 ul li\"));\r\n    allLinks.forEach((link, index) => {\r\n      index === i\r\n        ? link.classList.add(\"active\")\r\n        : link.classList.remove(\"active\");\r\n    });\r\n\r\n    allLinks[i].blur();\r\n  };\r\n\r\n  const checkScroll = () => {\r\n    setTimeout(() => {\r\n      const windowHeight = window.innerHeight;\r\n      const scrollTop = window.scrollY || document.documentElement.scrollTop;\r\n\r\n      let selectedHeaderIndex = -1;\r\n\r\n      allHeaders.forEach((header, index) => {\r\n        const headerRect = header.getBoundingClientRect();\r\n        const topThreshold = windowHeight \/ 3;\r\n        const bottomThreshold = (windowHeight * 2) \/ 3;\r\n\r\n        const isInViewport =\r\n          headerRect.top <= bottomThreshold &&\r\n          headerRect.bottom >= topThreshold;\r\n\r\n        if (\r\n          isInViewport &&\r\n          (selectedHeaderIndex === -1 ||\r\n            headerRect.top <\r\n              allHeaders[selectedHeaderIndex].getBoundingClientRect().top)\r\n        ) {\r\n          selectedHeaderIndex = index;\r\n        }\r\n      });\r\n\r\n      const allLinks = Array.from(document.querySelectorAll(\"div.toc-2 ul li\"));\r\n\r\n      if (selectedHeaderIndex !== -1) {\r\n        selectCurrentHeader(selectedHeaderIndex);\r\n\r\n        allLinks.forEach((link, i) => {\r\n          i < selectedHeaderIndex\r\n            ? link.classList.add(\"pre-active\")\r\n            : link.classList.remove(\"pre-active\");\r\n        });\r\n      } else if (\r\n        selectedHeaderIndex === -1 &&\r\n        allHeaders[0].getBoundingClientRect().top > window.innerHeight\r\n      ) {\r\n        allLinks.forEach((link) => {\r\n          link.classList.remove(\"pre-active\");\r\n          link.classList.remove(\"active\");\r\n        });\r\n      }\r\n    }, 500);\r\n  };\r\n\r\n  const scrollToActiveLink = () => {\r\n    const activeLink = document.querySelector(\".toc-2 ul li.active\");\r\n    if (activeLink) {\r\n      const container = document.querySelector(\".ddcv\");\r\n      const containerRect = container.getBoundingClientRect();\r\n      const activeLinkRect = activeLink.getBoundingClientRect();\r\n\r\n      const targetScrollTop =\r\n        activeLinkRect.top +\r\n        activeLinkRect.height \/ 2 -\r\n        containerRect.top -\r\n        container.clientHeight \/ 2;\r\n\r\n      const easeInOutQuad = (t) => (t < 0.5 ? 2 * t * t : -1 + (4 - 2 * t) * t);\r\n\r\n      const duration = 60;\r\n      const startTime = performance.now();\r\n\r\n      const scroll = () => {\r\n        const currentTime = performance.now();\r\n        const elapsed = currentTime - startTime;\r\n        const progress = easeInOutQuad(Math.min(1, elapsed \/ duration));\r\n\r\n        container.scrollTop += targetScrollTop * progress;\r\n\r\n        if (elapsed < duration) {\r\n          requestAnimationFrame(scroll);\r\n        }\r\n      };\r\n\r\n      requestAnimationFrame(scroll);\r\n    }\r\n  };\r\n\r\n  const loadAllImages = () => {\r\n    const images = document.getElementsByTagName(\"img\");\r\n\r\n    for (let i = 0; i < images.length; i++) {\r\n      const img = images[i];\r\n      const src = img.getAttribute(\"data-src\") || img.src;\r\n      img.src = src;\r\n    }\r\n  };\r\n\r\n  loadAllImages();\r\n\r\n  const handleScroll = () => {\r\n    setContainerHeight();\r\n    checkScroll();\r\n    \/\/scrollToActiveLink();\r\n  };\r\n\r\n  document.addEventListener(\"DOMContentLoaded\", () => {\r\n    createList();\r\n    setContainerHeight();\r\n    document.addEventListener(\"scroll\", handleScroll);\r\n  });\r\n\r\n  const handlePageUnload = () => {\r\n    document.removeEventListener(\"scroll\", handleScroll);\r\n  };\r\n\r\n  window.addEventListener(\"beforeunload\", handlePageUnload);\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-d4a71b2 e-flex e-con-boxed e-con e-parent\" data-id=\"d4a71b2\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d5ae579 elementor-widget elementor-widget-shortcode\" data-id=\"d5ae579\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f100240-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"100240\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/es\/wp-json\/wp\/v2\/posts\/180438#wpcf7-f100240-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" enctype=\"multipart\/form-data\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"100240\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f100240-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<style>\n#form-templates .contact__info {\n  background-color: #f4f4f4;\n  padding: 70px 44px 70px 50px;\n  position: relative;\n  max-width: 540px;\n  width: 100%;\nborder: 1px solid #AEB1B7;\n}\n\n#form-templates .contact__info-background {\n  z-index: -1;\n  position: absolute;\n  top: 20px;\n  left: 20px;\n  width: 100%;\n  height: 100%;\n  border: 1px dashed #ef4557;\n}\n\n\n#form-templates .new-container{\ndisplay: flex;\njustify-content: space-between;\nflex-wrap: wrap;\n}\n\n\n#form-templates{\npadding: 100px 15px 100px 15px;        \n}\n\n#form-templates .contact__info-heading {\n  font-family: 'Sora' !important;\n  font-style: normal !important;\n  font-weight: 400 !important;\n  font-size: 36px !important;\n  line-height: 46px !important;\n  color: #2E2E2E !important;\n   margin-bottom: 60px !important;\n\n}\n\n\n#form-templates .message label{\ncolor: #585858 !important;   \n}\n\n.elementor-widget-container.form-template h2,.elementor-widget-container.form-template h1{\n font-size: 60px !important;\n  line-height: 70px !important;\n  font-family: \"Sora\", Sans-serif;\n  font-weight: 400;\n  margin: 0;  \n  margin-bottom: 20px;\n}\n\n\n\n\n.elementor-widget-container.form-template p{\n  font-family: \"Karla\", Sans-serif;\n  font-size: 22px;\n  font-weight: 400;\n  line-height: 28px;\n  color: var( --e-global-color-primary );\n  max-width: 700px;\n  margin: 0; \n  margin-bottom: 40px;\n} \n  \n\n\n.new-container #spinner{\nwidth: 50%;\nmax-width: 700px;\n}\n\n\n#form-templates .new-container #spinner div.contact-us__wrapper:nth-child(6){\ngap:30px; \n    \n}\n\n\n#form-templates .contact__info-heading {\n  margin-bottom: 67px;\n  font-size: 36px;\n  font-family: karla;\n  color:  #2E2E2E;\n\n  line-height: 49px;\n}\n\n#form-templates .contact__info-steps {\n  display: flex;\n  flex-direction: column;\n  max-width: 425x;\n  row-gap: 20px;\n  border-left: 1px solid #2e2e2e;\n}\n\n#form-templates .contact__info-block {\n  position: relative;\n  padding-left: 45px;\n}\n\n#form-templates .contact__info-block:last-child {\n  box-shadow: -1px 0 0 1px #f4f4f4;\n}\n\n#form-templates .contact__info-step {\n  position: absolute;\n  border: 1px solid #2e2e2e;\n  width: 40px;\n  height: 40px;\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  border-radius: 20px;\n  left: -20px;\n  top: -8px;\n  background-color: #F4F4F4;\n  color:  #2E2E2E;\n\nfont-family: Karla;\nfont-weight: 700;\nfont-size: 18px;\nline-height: 28px;\n\n}\n\n.elementor-widget-global .contact__info-step {\n        color:  #2E2E2E;\n}\n\n#form-templates .contact__info-text {\n  margin: 0;\n  font-size: 16px;\n  line-height: 26px;\n  color: #2E2E2E;\n  font-family: karla;\n\n  width: 100%;\n}\n\n\n#form-templates .contact-us__send{\nflex-shrink: 0;\nmargin-top:0;\n}\n\n\n\n@media screen and (max-width: 1279px) {\n    .new-container #spinner{\n        width: 100%;\n        max-width:100%;\n        margin-bottom:40px;\n    }\n    \n\n    .new-container .contact__info {\n        max-width: 700px !important;\n    }\n    \n}\n\n\n@media screen and (max-width: 1279px) {\n#form-templates{\npadding: 60px 15px 70px 15px;     \n}\n}\n\n\n\n@media screen and (max-width: 767px) {\n\n#form-templates .new-container #spinner div.contact-us__wrapper:nth-child(6){\ngap:20px; \n \n}\n\n\n  #form-templates .contact__info {\n    padding: 20px 20px 40px 40px;\n    margin: 0 auto;\n  }\n\n\n#form-templates{\npadding: 40px 15px 50px 15px;  \n    \n}\n\n  \n   .new-container #spinner{\n       \n    margin-bottom:30px;   \n   }\n   \n   \n   .elementor-widget-container.form-template h2,.elementor-widget-container.form-template h1{\n   font-size: 32px !important;\n    line-height: 42px !important;    \n   }\n   \n   \n   .elementor-widget-container.form-template p{\n       \n    font-size: 16px;\n    line-height: 20px;  \n    margin-bottom: 30px;\n \n       \n   }\n   \n   #form-templates .contact__info-heading{\n   font-size: 24px !important;\n    line-height: 49px !important;    \n       \n   }\n   \n\n.mailToContact{\nmargin-top: 10px !important;        \n}\n   \n\n  #form-templates .contact__info-heading {\n    font-size: 24px;\n    margin-bottom: 37px;\n  }\n\n  #form-templates .contact__info-background {\n    top: 10px;\n    left: 10px;\n  }\n\n  #form-templates .contact__info-text {\n    font-size: 12px;\n    line-height: 20px;\n  }\n  \n  \n  #form-templates .contact__info-heading {\n   margin-bottom: 35px !important;\n\n}\n\n}\n\n@media (max-width: 767px) {\n    .mailToContact {\n        max-width: 100%;\n    }\n}\n<\/style>\n\n<script>\nwindow.addEventListener('hashchange',function(e){if(window.history.pushState){window.history.pushState('','\/',window.location.pathname)}else{window.location.hash=''}})\n<\/script>\n\n\n<div id=\"form-templates\">\n<div class=\"elementor-widget-container form-template\">\n<a name=\"contact-form\"><\/a>\n<h2>Contact us<\/h2>\n<p><a id=\"calendlylink\" style=\"color: #c63031; border-bottom: 1px solid #c63031; padding: 0;\">Book a call<\/a> or fill out the form below and we\u2019ll get back to you once we\u2019ve processed your request.<\/p>\n<\/div>\n\n<div class=\"new-container\">\n\n\n<div class=\"contact-us__main\" id=\"spinner\" data-no-defer=\"1\">\n\n<div class=\"contact-us__wrapper\">\n\n<div class=\"name\">\n<label>Name<\/label>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"field_name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required contact-us__name\" id=\"contact-name\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Name*\" value=\"\" type=\"text\" name=\"field_name\" \/><\/span>\n<\/div>\n\n<div class=\"company\">\n<label>Company<\/label>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"company\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required contact-us__company\" id=\"contact-company\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Company*\" value=\"\" type=\"text\" name=\"company\" \/><\/span>\n<\/div>\n\n<\/div>\n\n<div class=\"contact-us__wrapper\">\n\n<div class=\"email\">\n<label>Email<\/label>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email contact-us__email\" id=\"contact-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Corporate email*\" value=\"\" type=\"email\" name=\"email\" \/><\/span>\n<\/div>\n\n<div class=\"phone\">\n<label>Phone<\/label>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"tel\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel contact-us__phone\" id=\"contact-phone\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Phone*\" value=\"\" type=\"tel\" name=\"tel\" \/><\/span>\n<\/div>\n\n<\/div>\n<div class=\"contact-us__wrapper subj\">\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-recipient\"><select class=\"wpcf7-form-control wpcf7-select\" id=\"form-field-subj_js\" aria-invalid=\"false\" name=\"your-recipient\"><option value=\"\">Subject*<\/option><option value=\"IT staff augmentation\">IT staff augmentation<\/option><option value=\"Turnkey product development\">Turnkey product development<\/option><option value=\"Support and enhancement\">Support and enhancement<\/option><option value=\"Careers\">Careers<\/option><option value=\"Other\">Other<\/option><\/select><\/span>\n\n<span class=\"wpcf7-form-control-wrap\" data-name=\"form-field-budget_js\"><select class=\"wpcf7-form-control wpcf7-select\" id=\"form-field-budget_js\" aria-invalid=\"false\" name=\"form-field-budget_js\"><option value=\"\">Project budget<\/option><option value=\"Under $15K\">Under $15K<\/option><option value=\"$15K-$30K\">$15K-$30K<\/option><option value=\"$30K-$100K\">$30K-$100K<\/option><option value=\"$100K-$250K\">$100K-$250K<\/option><option value=\"$250K-$500K\">$250K-$500K<\/option><option value=\"More than $500K\">More than $500K<\/option><\/select><\/span>\n\n<\/div>\n\n\n<div class=\"message\">\n<label>Message<\/label>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"message\"><textarea cols=\"40\" rows=\"1\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea wpcf7-validates-as-required contact-us__message\" id=\"contact-message\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Describe your needs in detail*\" name=\"message\"><\/textarea><\/span>\n<\/div>\n\n<div class=\"atvoice-wrap\">\n\n<div class=\"voice-wrap\">\n<span id=\"voice-mut\" class=\"voicetext\">Send us a voice message<\/span>\n         <div class=\"qc_voice_audio_wrapper\">\n            <div class=\"qc_voice_audio_container\">\n                <div class=\"qc_voice_audio_upload_main\" id=\"qc_audio_main\">\n                    <a class=\"qc_audio_record_button\" id=\"qc_audio_record\" href=\"#\" aria-label=\"Record an audio message\">\n                        <span class=\"dashicons dashicons-microphone\"><\/span> \u00a0<\/a> \n                <\/div>\n\n                <div class=\"qc_voice_audio_recorder\" id=\"qc_audio_recorder\" style=\"display:none\">\n\n                <\/div>\n                <div class=\"qc_voice_audio_display\" id=\"qc_audio_display\"  style=\"display:none\">\n                    <audio id=\"qc-audio\" controls src=\"\"><\/audio>\n                    <span title=\"Remove and back to main upload screen.\" class=\"qc_audio_remove_button dashicons dashicons-trash\"><\/span>\n                <\/div>\n            <\/div>\n            <input type=\"hidden\" value=\"\" name=\"qcwpvoicemessage\" id=\"qc_audio_url\" \/>\n        <\/div>\n        \n<\/div>\n\n\n<div class=\"attach-wrap\">\n<span class=\"voicetext\">Attach documents<\/span>\n\n<div class='attachment'>\n\n<div class=\"downloaded\">\n<span><\/span>\n<div class=\"deleteFile\"><\/div>\n<\/div>\n\n<div class=\"attachmentButton\" onclick=\"(function cl(e){if(e.target.nodeName == 'DIV'){e.target.parentNode.children[1].children[0].click(); }})(arguments[0]);\">\n\n<div class=\"innerText\">Upload file<\/div>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"att-files\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-file\" accept=\".jpg,.png,.jpeg,.pdf\" aria-invalid=\"false\" type=\"file\" name=\"att-files\" \/><\/span>\n\n<div class=\"tip\" onclick=\"event.stopPropagation()\">\n<p>You can attach 1 file up to 2MB. Valid file formats: pdf, jpg, jpeg, png.<\/p>\n<\/div>\n\n<\/div>\n\n<\/div>\n\n<\/div>\n\n\n\n<\/div>\n\n<div class=\"contact-us__wrapper\"> \n<p class=\"pp\">By clicking Send, you consent to Innowise processing your personal data per our<a href=\"\/privacy-notice\/\"> Privacy Policy <\/a>to provide you with relevant information. By submitting your phone number, you agree that we may contact you via voice calls, SMS, and messaging apps. Calling, message, and data rates may apply.<\/p>\n\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"scoring_point\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utmCampaign\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utmContent\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utmMedium\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utmSource\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utmTerm\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"location\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"city\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"ip\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"Summ\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"gclid\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"rating\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"urlCompany\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"urlWithParams\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"audioMessageLink\" \/>\n<input class=\"wpcf7-form-control wpcf7-submit has-spinner contact-us__send\" id=\"contact-send-button\" type=\"submit\" value=\"Send\" \/>\n<\/div>\n\n<div class='mailToContact'>You can also send us your request <\/br>to <a href=\"mailto:contact@innowise.com\">contact@innowise.com<\/a><\/div>\n\n<\/div>\n\n<div class=\"elementor-widget-container\" style=\"z-index:1;\">\n<div class=\"contact__info\">\n  <div class=\"contact__info-background\"><\/div>\n  <div class=\"contact__info-heading\">What happens next?<\/div>\n  <div class=\"contact__info-steps\">\n\n    <div class=\"contact__info-block\">\n      <div class=\"contact__info-step\">1<\/div>\n      <p class=\"contact__info-text\">Once we\u2019ve received and processed your request, we\u2019ll get back to you to detail your\n        project needs and sign an NDA to ensure confidentiality.<\/p>\n    <\/div>\n\n    <div class=\"contact__info-block\">\n      <div class=\"contact__info-step\">2<\/div>\n      <p class=\"contact__info-text\">After examining your wants, needs, and expectations, our team will devise a project\n        proposal with the scope of work, team size, time, and cost estimates.<\/p>\n    <\/div>\n\n    <div class=\"contact__info-block\">\n      <div class=\"contact__info-step\">3<\/div>\n      <p class=\"contact__info-text\">We\u2019ll arrange a meeting with you to discuss the offer and nail down the details.<\/p>\n    <\/div>\n\n    <div class=\"contact__info-block\">\n      <div class=\"contact__info-step\">4<\/div>\n      <p class=\"contact__info-text\">Finally, we\u2019ll sign a contract and start working on your project right away.<\/p>\n    <\/div>\n  <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\n<\/div>\n\n<\/div><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"related_content_blog_container\">[related_content_list]<\/div><script>\n            jQuery( document ).ready(function($) {\n            var parentSection = $('[data-elementor-type=\"wp-page\"]');\n            if($('[data-elementor-type=\"wp-post\"]').length){\n                var parentSection = $('[data-elementor-type=\"wp-post\"]');\n            }\n            \n                parentSection.children().last().before($('.related_content_blog_container'));\n            });\n            <\/script><div class=\"other_services_container\">[need_other_services_v2]<\/div><script>\n                    jQuery( document ).ready(function($) {\n                        var parentSection = $('[data-elementor-type=\"wp-page\"]');\n                        if($('[data-elementor-type=\"wp-post\"]').length){\n                            var parentSection = $('[data-elementor-type=\"wp-post\"]');\n                        }\n                        \n                        console.log(parentSection);\n                        parentSection.children().last().before($('.other_services_container'));\n                        var sections = parentSection.find('.net-15.dt-16');\n                        for(var i = 0; 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The message for banks? Step up or get left behind. Digital banking is here to stay for [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":180543,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_acf_changed":true,"inline_featured_image":false,"footnotes":""},"categories":[128,1025],"class_list":["post-180438","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-sergei_author","tag-banking","tag-fintech","tag-trends"],"acf":[],"_links":{"self":[{"href":"https:\/\/innowise.com\/es\/wp-json\/wp\/v2\/posts\/180438","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/innowise.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/innowise.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/innowise.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/innowise.com\/es\/wp-json\/wp\/v2\/comments?post=180438"}],"version-history":[{"count":0,"href":"https:\/\/innowise.com\/es\/wp-json\/wp\/v2\/posts\/180438\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/innowise.com\/es\/wp-json\/wp\/v2\/media\/180543"}],"wp:attachment":[{"href":"https:\/\/innowise.com\/es\/wp-json\/wp\/v2\/media?parent=180438"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/innowise.com\/es\/wp-json\/wp\/v2\/categories?post=180438"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/innowise.com\/es\/wp-json\/wp\/v2\/tags?post=180438"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}