{"id":180438,"date":"2025-03-19T04:55:15","date_gmt":"2025-03-19T08:55:15","guid":{"rendered":"https:\/\/innowise.com\/?p=180438"},"modified":"2026-10-20T03:25:30","modified_gmt":"2026-10-20T07:25:30","slug":"digital-banking-trends","status":"publish","type":"post","link":"https:\/\/innowise.com\/pt\/blog\/digital-banking-trends\/","title":{"rendered":"Banca digital em 2026: 12 tend\u00eancias para ganhar vantagem"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"180438\" class=\"elementor elementor-180438\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6926626 e-flex e-con-boxed e-con e-parent\" data-id=\"6926626\" 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-0a22bd1 elementor-widget__width-initial elementor-widget elementor-widget-html\" data-id=\"0a22bd1\" 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    \n<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59b1459 elementor-widget-tablet__width-inherit elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"59b1459\" 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 2026: 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-0492a95 elementor-widget__width-initial elementor-widget elementor-widget-html\" data-id=\"0492a95\" 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=\"heroBottom\">\r\n\r\n  <div class=\"second\">\r\n    <span>[post_modified_date]<\/span>\r\n    <span>10 min read<\/span>\r\n  <\/div>\r\n<\/div>\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-85a506a article-description e-con-full e-flex e-con e-parent\" data-id=\"85a506a\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-3d2b94e author-article e-con-full e-flex e-con e-child\" data-id=\"3d2b94e\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-5d94954 e-con-full e-flex e-con e-child\" data-id=\"5d94954\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-732f5d8 e-con-full e-flex e-con e-child\" data-id=\"732f5d8\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7358933 elementor-widget elementor-widget-shortcode\" data-id=\"7358933\" 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=\"expert_card-container\">\n        <div class=\"expert_card-top\">\n            <div class=\"expert_card-top-img\">\n                                    <img decoding=\"async\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2026\/03\/Siarhei-Sukhadolski.png\" alt=\"Siarhei Sukhadolski, Chief Delivery Officer..\">\n                                                <a href=\"https:\/\/www.linkedin.com\/in\/sergey-sukhodolskiy\/\" class=\"expert_card-top-img-link\" target=\"_blank\" rel=\"noopener noreferrer\">\n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"40\" viewBox=\"0 0 40 40\" fill=\"none\">\n                        <rect width=\"40\" height=\"40\" rx=\"20\" fill=\"#E8E8E8\"\/>\n                        <path d=\"M10.0002 12.8001C10.0002 11.4802 10.0002 10.8202 10.4102 10.4102C10.8203 10.0001 11.4802 10.0001 12.8002 10.0001H27.2002C28.5201 10.0001 29.1801 10.0001 29.5901 10.4102C30.0002 10.8202 30.0002 11.4802 30.0002 12.8001V27.2001C30.0002 28.52 30.0002 29.18 29.5901 29.5901C29.1801 30.0001 28.5201 30.0001 27.2002 30.0001H12.8002C11.4802 30.0001 10.8203 30.0001 10.4102 29.5901C10.0002 29.18 10.0002 28.52 10.0002 27.2001V12.8001Z\" fill=\"white\"\/>\n                        <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M28.6112 10C29.3782 10 30.0001 10.6218 30.0001 11.3889V28.6111C30.0001 29.3782 29.3782 30 28.6112 30H11.3889C10.6219 30 10.0001 29.3782 10.0001 28.6111V11.3889C10.0001 10.6218 10.6219 10 11.3889 10H28.6112ZM13.0591 26.9444H15.9842V17.5H13.0591V26.9444ZM23.507 17.2114C21.5029 17.2114 20.6595 18.7722 20.6595 18.7722V17.5H17.8543V26.9444H20.6595V21.9868C20.6595 20.6584 21.2709 19.868 22.4412 19.8679C23.5171 19.8679 24.0338 20.6275 24.0338 21.9868V26.9444H26.9445V20.9649C26.9445 18.4349 25.5103 17.2114 23.507 17.2114ZM14.5077 12.7778C13.5522 12.7778 12.7778 13.5583 12.7778 14.5207C12.7779 15.483 13.5522 16.2633 14.5077 16.2633C15.4631 16.2632 16.237 15.483 16.237 14.5207C16.237 13.5583 15.4632 12.7778 14.5077 12.7778Z\" fill=\"#2867B2\"\/>\n                    <\/svg>\n                <\/a>\n                            <\/div>\n            <div class=\"expert_card-top-right\">\n                <div class=\"expert_card-top-name\">\n                    By <a href=\"https:\/\/innowise.com\/pt\/authors\/siarhei-sukhadolski\/\">Siarhei Sukhadolski<\/a>\n                <\/div>\n                                <div class=\"expert_card-top-position\">\n                    Chief Delivery Officer &amp; Head of Competence Center                <\/div>\n                                <div class=\"expert_card-top-right-bottom desc\">\n                    <div class=\"expert_card-top-ver\">\n                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 18 18\" fill=\"none\"><path d=\"M17.486 9.00039L15.6037 6.8481L15.866 4.00153L13.0811 3.36896L11.6231 0.900391L9.00024 2.02668L6.37738 0.900391L4.91938 3.36125L2.13453 3.9861L2.39681 6.84039L0.514526 9.00039L2.39681 11.1527L2.13453 14.007L4.91938 14.6395L6.37738 17.1004L9.00024 15.9664L11.6231 17.0927L13.0811 14.6318L15.866 13.9992L15.6037 11.1527L17.486 9.00039Z\" fill=\"#717171\"\/><path d=\"M12.2783 7.55371L8.10059 11.7324L5.72168 9.35352L6.42871 8.64648L8.09961 10.3174L11.5713 6.84668L12.2783 7.55371Z\" fill=\"white\"\/><\/svg>                        Verified expert\n                        <div class=\"expert_card-top-ver-text\">\n                            Every article at Innowise is created by authors with real-world experience. They understand the topic beyond theory and bring insight from real projects.\n                            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"8\" viewBox=\"0 0 16 8\" fill=\"none\">\n                                <path d=\"M8 8L16 0L6.99382e-07 -1.39876e-06L8 8Z\" fill=\"#717171\"\/>\n                            <\/svg>\n                        <\/div>\n                    <\/div>\n                    \n                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"3\" height=\"3\" viewBox=\"0 0 3 3\" fill=\"none\"><path d=\"M1.5 0C2.32843 0 3 0.671573 3 1.5C3 2.32843 2.32843 3 1.5 3C0.671573 3 0 2.32843 0 1.5C0 0.671573 0.671573 0 1.5 0Z\" fill=\"#717171\"\/><\/svg>                    <div class=\"expert_card-top-year\">\n                        10+ years of experience                    <\/div>\n                                    <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"expert_card-top-right-bottom mob\">\n            <div class=\"expert_card-top-ver\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 18 18\" fill=\"none\"><path d=\"M17.486 9.00039L15.6037 6.8481L15.866 4.00153L13.0811 3.36896L11.6231 0.900391L9.00024 2.02668L6.37738 0.900391L4.91938 3.36125L2.13453 3.9861L2.39681 6.84039L0.514526 9.00039L2.39681 11.1527L2.13453 14.007L4.91938 14.6395L6.37738 17.1004L9.00024 15.9664L11.6231 17.0927L13.0811 14.6318L15.866 13.9992L15.6037 11.1527L17.486 9.00039Z\" fill=\"#717171\"\/><path d=\"M12.2783 7.55371L8.10059 11.7324L5.72168 9.35352L6.42871 8.64648L8.09961 10.3174L11.5713 6.84668L12.2783 7.55371Z\" fill=\"white\"\/><\/svg>                Verified expert\n                \n            <\/div>\n                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"3\" height=\"3\" viewBox=\"0 0 3 3\" fill=\"none\"><path d=\"M1.5 0C2.32843 0 3 0.671573 3 1.5C3 2.32843 2.32843 3 1.5 3C0.671573 3 0 2.32843 0 1.5C0 0.671573 0.671573 0 1.5 0Z\" fill=\"#717171\"\/><\/svg>            <div class=\"expert_card-top-year\">\n                10+ years of experience            <\/div>\n                    <\/div>\n                <div class=\"expert_card-text\">\n            Siarhei specializes in high-stakes regulatory environments and complex delivery hurdles. He transforms abstract business requirements into secure, scalable architectures, ensuring that every project is technically sound and future-proof.        <\/div>\n                <div class=\"expert_card-bottom\">\n\t\t\t<div class=\"expert_card-bottom-col\">\n\t\t\t\t\t\t\t\t<div class=\"expert_card-bottom-expertise\">\n\t\t\t\t\t<div class=\"expert_card-bottom-expertise-title\">\n\t\t\t\t\t\tExpertise\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"expert_card-bottom-expertise-list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tFintech\t\t\t\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"3\" height=\"3\" viewBox=\"0 0 3 3\" fill=\"none\"><path d=\"M1.5 0C2.32843 0 3 0.671573 3 1.5C3 2.32843 2.32843 3 1.5 3C0.671573 3 0 2.32843 0 1.5C0 0.671573 0.671573 0 1.5 0Z\" fill=\"#717171\"\/><\/svg>\t\t\t\t\t\t\tRegtech\t\t\t\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"3\" height=\"3\" viewBox=\"0 0 3 3\" fill=\"none\"><path d=\"M1.5 0C2.32843 0 3 0.671573 3 1.5C3 2.32843 2.32843 3 1.5 3C0.671573 3 0 2.32843 0 1.5C0 0.671573 0.671573 0 1.5 0Z\" fill=\"#717171\"\/><\/svg>\t\t\t\t\t\t\tAI &amp; ML\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\n            <a href=\"#contact-form\" class=\"expert_card-bottom-a\">\n                Let's talk\n            <\/a>\n        <\/div>\n    <\/div>\n\n    <style>\n        .expert_card-container{\n            max-width:1000px;\n            width:100%;\n            padding:40px 60px;\n            background: #F6FAFE;\n            border: 1px solid #9CC6ED;\n        }\n        .expert_card-top{\n            display:flex;\n            gap:30px;\n            align-items:center;\n            margin-bottom:24px;\n        }\n        .expert_card-top-img{\n            position:relative;\n        }\n        .expert_card-top-img img{\n            display:block;\n            width:130px;\n            border-radius:100%;\n\n        }\n        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<\/style>\n\n    <\/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-3c2ed65 e-con-full takeways e-flex e-con e-child\" data-id=\"3c2ed65\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2c0696d elementor-widget elementor-widget-heading\" data-id=\"2c0696d\" 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\">Key takeaways<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-206f0cf elementor-widget elementor-widget-text-editor\" data-id=\"206f0cf\" 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<ul class=\"blackUl\"><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Digital banking is now the norm. <\/b><span style=\"font-weight: 400;\">73% of banking interactions already happen through digital channels.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>GenAI is becoming a core banking technology<\/b><span style=\"font-weight: 400;\">, supporting personalization, credit assessment, fraud detection, and smarter decision-making.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Embedded finance is moving far beyond payments.<\/b><span style=\"font-weight: 400;\"> Loans, insurance, investments, payroll, invoicing, and other financial products are increasingly being incorporated directly into non-financial platforms.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Neobanks are growing rapidly<\/b><span style=\"font-weight: 400;\">, offering fully digital financial services through mobile apps and online platforms.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Banking technology is becoming more modular.<\/b><span style=\"font-weight: 400;\"> Composable banking uses APIs and interchangeable components so banks can launch, replace, or adapt services faster without rebuilding entire core systems.<\/span><\/li><\/ul>\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-49342a7 e-con-full e-flex e-con e-child\" data-id=\"49342a7\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a9a66c2 elementor-widget elementor-widget-shortcode\" data-id=\"a9a66c2\" 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<div class=\"elementor-element elementor-element-9c5d1c7 elementor-widget elementor-widget-shortcode\" data-id=\"9c5d1c7\" 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_google]<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e3202fe elementor-absolute elementor-widget elementor-widget-html\" data-id=\"e3202fe\" 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<style>\n    @media (max-width: 768px) {\n        .summarize_ai_button, .summarize_google_button {\n            width: 100%;\n            justify-content: center;\n        }\n    }\n<\/style>\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-4ca4cd1 elementor-widget elementor-widget-shortcode\" data-id=\"4ca4cd1\" 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, 172273,188555' title='See related services']<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-576c013 e-con-full e-flex e-con e-child\" data-id=\"576c013\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-911ced0 elementor-widget elementor-widget-text-editor\" data-id=\"911ced0\" 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 noreferrer\"><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 noreferrer\"><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<div class=\"elementor-element elementor-element-7d4d9e0 e-con-full e-flex e-con e-child\" data-id=\"7d4d9e0\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-71dd7ca elementor-widget elementor-widget-html\" data-id=\"71dd7ca\" 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.numbers_container {\n    display: grid;\n    grid-template-columns: repeat(3, 1fr);\n    gap: 60px;\n}\n\n.numbers_container .text-wrapper {\n    display: flex;\n    flex-direction:column;\n    \n    justify-content: space-between;\n    \n    gap: 20px;\n    \n    \n    flex-grow: 1;\n}\n\n.number-item{\n    display: flex;\n    flex-direction: column;\n    justify-content: space-between;\n    gap: 20px;\n    \n    padding-bottom: 20px;\n    \n    border-bottom: 1px solid #999999;\n}\n\n.text-wrapper {\n    \n    display: flex;\n    flex-direction: column;\n    justify-content: space-between;\n    gap: 20px;\n}\n\n\n.number-item  .source {\n    font-size: 16px;\n    line-height: 24px;\n}\n\n\n.number {\n    font-size: 50px;\n    line-height: 63px;\n    font-weight: 400;\n    font-family: Sora;\n    color: #2e2e2e;\n}\n\na.number {\n    text-decoration: none !important;\n}\n\n.number-item  .number-text{\n    font-family: karla;\n    font-size: 18px;\n    line-height: 27px;\n    color: #2e2e2e;\n}\n\n.bottom_line{\n    height: 1px;\n    width: 100%;\n    background-color: #999999;\n    \n    margin-top: auto;\n}\n\n@media (max-width: 1280px) {\n    .number {\n        font-size: 40px;\n        line-height: 50px;\n    }\n}\n\n\n@media (max-width: 1279px) {\n    .numbers_container {\n        display: grid;\n        grid-template-columns: repeat(3, 1fr);\n        gap: 40px;\n    }\n}\n\n\n@media(max-width: 767px) {\n    .numbers_container {\n        grid-template-columns: 1fr;\n    }\n    \n    .numbers_container {\n    gap: 30px;\n}\n   \n   .number-item{\n    gap: 10px;\n}\n\n.number-item  .number-text {\n    font-family: karla;\n    font-size: 14px;\n    line-height: 21px;\n    color: #2e2e2e;\n}\n\n.number-item  .source {\n    font-size: 12px;\n    line-height: 18px;\n}\n\n\n.number {\n    font-size: 30px;\n    line-height: 38px;\n    \n}\n \n}\n<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f3ed3b1 elementor-widget__width-initial elementor-widget elementor-widget-html\" data-id=\"f3ed3b1\" 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=\"noopener noreferrer\">McKinsey & Company<\/a><\/span>\n            \n        <\/div>\n        \n        \n    <\/div>\n    \n    \n    <div class=\"number-item\">\n        <span class=\"number\">4.2B<\/span>\n        <div class=\"text-wrapper\">\n            <span class=\"number-text\">projected number of global digital banking users by 2026<\/span>\n            <span class=\"source\">Source: <a href=\"https:\/\/www.juniperresearch.com\/press\/over-half-global-population-digital-banking\/\" target=\"_blank\" rel=\"noopener noreferrer\">Juniper Research<\/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=\"noopener noreferrer\">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>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a36ce6 elementor-widget elementor-widget-text-editor\" data-id=\"0a36ce6\" 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-26346a0 e-con-full e-flex e-con e-child\" data-id=\"26346a0\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-551731f elementor-widget elementor-widget-html\" data-id=\"551731f\" 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\/* Universal Table Reset *\/\r\n    table, thead, tbody, tfoot, tr, th, td {\r\n      margin: 0;\r\n      padding: 0;\r\n      border: 0;\r\n      border-spacing: 0;\r\n      font-size: 100%;\r\n      font: inherit;\r\n      vertical-align: baseline;\r\n    }\r\n    \r\n    table {\r\n      border-collapse: collapse;\r\n      width: 100%; \/* Optional: stretches table to fit container *\/\r\n    }\r\n    \r\n 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index) => {\r\n      if(matchMedia(\"(max-width: 1024px)\").matches) {\r\n        if (index >= visibleCount) row.classList.add(\"hidden\");\r\n      }\r\n    });\r\n\r\n    let expanded = false;\r\n\r\n    softwareTableToggle.addEventListener(\"click\", () => {\r\n      expanded = !expanded;\r\n\r\n      softwareRows.forEach((row, index) => {\r\n        if (!expanded && index >= visibleCount) {\r\n          row.classList.add(\"hidden\");\r\n        } else {\r\n          row.classList.remove(\"hidden\");\r\n        }\r\n      });\r\n\r\n      softwareTableToggle.textContent = expanded ? \"Show less\" : \"Show more\";\r\n    });\r\n  });\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16115f9 elementor-widget elementor-widget-html\" data-id=\"16115f9\" 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=\"systems-comparison-table\">\r\n    <div class=\"custom-table-wrapper\">\r\n        <table class=\"custom-table\">\r\n            <thead>\r\n                <tr class=\"row header\">\r\n                    <th class=\"cell\">Trend<\/th>\r\n                    <th class=\"cell\">Key takeaways<\/th>\r\n                <\/tr>\r\n            <\/thead>\r\n            <tbody>\r\n                <tr class=\"row data\">\r\n                    <td class=\"cell\">GenAI for smarter and more personalized banking<\/td>\r\n                    <td class=\"cell\">GenAI is being used to analyze large datasets, improve decision-making, and power AI-driven services and credit assessments.<\/td>\r\n                <\/tr>\r\n                <tr class=\"row data\">\r\n                    <td class=\"cell\">Open banking\u2019s shift toward more flexibility<\/td>\r\n                    <td class=\"cell\">Open banking has become more flexible, which gives consumers greater control over their financial information.<\/td>\r\n                <\/tr>\r\n                <tr class=\"row data\">\r\n                    <td class=\"cell\">Strengthening security in open finance<\/td>\r\n                    <td class=\"cell\">As open finance expands to include more data types, blockchain, AI, and DeFi are used to enhance security and prevent fraud.<\/td>\r\n                <\/tr>\r\n                <tr class=\"row data\">\r\n                    <td class=\"cell\">Embedded finance expanding beyond payments<\/td>\r\n                    <td class=\"cell\">Embedded finance is integrating financial products like loans, insurance, and investments directly into non-financial platforms and apps.<\/td>\r\n                <\/tr>\r\n                <tr class=\"row data\">\r\n                    <td class=\"cell\">Fortifying cybersecurity defenses<\/td>\r\n                    <td class=\"cell\">There is a growing focus on strengthening cybersecurity measures to protect against increasing cyber threats and data breaches.<\/td>\r\n                <\/tr>\r\n                <tr class=\"row data\">\r\n                    <td class=\"cell\">The surge in digital-only banks (neobanks)<\/td>\r\n                    <td class=\"cell\">Digital-only banks, or neobanks, are growing rapidly, offering financial services exclusively through online platforms and mobile apps.<\/td>\r\n                <\/tr>\r\n                <tr class=\"row data\">\r\n                    <td class=\"cell\">The growing focus on sustainable and ethical banking<\/td>\r\n                    <td class=\"cell\">There is an increasing focus on sustainable and ethical banking, with financial institutions prioritizing green investments and aligning with ESG criteria.<\/td>\r\n                <\/tr>\r\n                <tr class=\"row data\">\r\n                    <td class=\"cell\">Automating investments with robo-advising<\/td>\r\n                    <td class=\"cell\">Robo-advisors are being widely adopted to automate investments and provide personalized financial advice and portfolio management.<\/td>\r\n                <\/tr>\r\n                <tr class=\"row data\">\r\n                    <td class=\"cell\">Composable banking for greater flexibility<\/td>\r\n                    <td class=\"cell\">Composable banking allows banks to create flexible, customizable financial products by integrating modular services via APIs.<\/td>\r\n                <\/tr>\r\n                <tr class=\"row data\">\r\n                    <td class=\"cell\">Supercharging convenience with super apps<\/td>\r\n                    <td class=\"cell\">Super apps become more popular, combining multiple services like banking, shopping, and messaging into one integrated platform.<\/td>\r\n                <\/tr>\r\n                <tr class=\"row data\">\r\n                    <td class=\"cell\">Redefining workflows with agentic AI<\/td>\r\n                    <td class=\"cell\">Agentic AI enables systems to act independently and continuously improve through learning.<\/td>\r\n                <\/tr>\r\n                <tr class=\"row data\">\r\n                    <td class=\"cell\">Scaling financial asset tokenization<\/td>\r\n                    <td class=\"cell\">The tokenization is expanding, making financial assets more accessible and liquid.<\/td>\r\n                <\/tr>\r\n            <\/tbody>\r\n        <\/table>\r\n    <\/div>\r\n    <div class=\"table-toggle\">Show more<\/div>\r\n<\/div>\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-b862e3c e-con-full cta1 e-flex e-con e-child\" data-id=\"b862e3c\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-49bc015 relative animated-circle-adaptive e-con-full e-flex e-con e-child\" data-id=\"49bc015\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-303929e e-con-full e-flex e-con e-child\" data-id=\"303929e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7d84d1d elementor-widget-tablet__width-inherit elementor-widget elementor-widget-heading\" data-id=\"7d84d1d\" 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-5cb1df2 e-con-full e-flex e-con e-child\" data-id=\"5cb1df2\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f8f8f09 elementor-align-left elementor-widget__width-initial elementor-widget-mobile__width-inherit cta-btn elementor-widget elementor-widget-button\" data-id=\"f8f8f09\" 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-297f39a elementor-absolute elementor-widget-mobile__width-inherit transform elementor-widget-tablet__width-inherit elementor-widget elementor-widget-html\" data-id=\"297f39a\" 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  .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('.cta1 .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-2020115 e-con-full e-flex e-con e-child\" data-id=\"2020115\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-600ad09 elementor-widget elementor-widget-heading\" data-id=\"600ad09\" 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\">Trend # 1: GenAI for smarter and more personalized banking<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d65b168 elementor-widget elementor-widget-text-editor\" data-id=\"d65b168\" 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><a href=\"\/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 <\/span><span style=\"font-weight: 400;\">2026<\/span><span style=\"font-weight: 400;\">, its applications in digital banking will be even more impactful, encompassing algorithmic trading, credit risk assessment, and the growing adoption of AI-powered chatbots.\u00a0<\/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 noreferrer\"><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>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bd876c5 e-con-full e-flex e-con e-child\" data-id=\"bd876c5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2981502 elementor-widget elementor-widget-heading\" data-id=\"2981502\" 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<h3 class=\"elementor-heading-title elementor-size-default\">Future outlook<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f9bf8e elementor-widget elementor-widget-text-editor\" data-id=\"8f9bf8e\" 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;\">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=\"\/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-7351f9b elementor-widget elementor-widget-image\" data-id=\"7351f9b\" 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=\"Bar chart showing projected global spending on generative AI in the banking sector.\" \/>\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5352c3d e-con-full e-flex e-con e-child\" data-id=\"5352c3d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fee6255 elementor-widget elementor-widget-heading\" data-id=\"fee6255\" 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\">Trend #2: Open banking\u2019s shift toward more flexibility<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b9d60ab elementor-widget elementor-widget-text-editor\" data-id=\"b9d60ab\" 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;\">One of the big <\/span><span style=\"font-weight: 400;\">digital banking trends<\/span><span style=\"font-weight: 400;\"> for <\/span><span style=\"font-weight: 400;\">2026<\/span><span style=\"font-weight: 400;\"> 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.\u00a0<\/span><\/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>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8ab2b69 e-con-full e-flex e-con e-child\" data-id=\"8ab2b69\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6da91d3 elementor-widget elementor-widget-heading\" data-id=\"6da91d3\" 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<h3 class=\"elementor-heading-title elementor-size-default\">Future outlook<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a3a0a8 elementor-widget elementor-widget-text-editor\" data-id=\"2a3a0a8\" 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;\">In the U.S., open banking rules are on hold. The CFPB finalized its Section 1033 rule on 22 October 2024. It gives consumers a right to access their financial data and share it with authorized third parties. For the largest institutions, the first compliance date was 1 April 2026. But on 29 October 2025, a federal court in Kentucky issued a <\/span><a href=\"https:\/\/bankingjournal.aba.com\/2025\/11\/kentucky-federal-court-enjoins-cfpb-from-enforcing-current-1033-final-rule\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">preliminary injunction<\/span><\/a><span style=\"font-weight: 400;\"> that stops the CFPB from enforcing the rule while the agency reconsiders it. No compliance dates currently apply.<\/span><\/p><p><span style=\"font-weight: 400;\">In the EU, open banking is continuing to evolve as policymakers finalize\u00a0 Payment Services Directive (PSD) 3 and the new Payment Services Regulation (PSR). The European Parliament and Council reached a provisional agreement on the package in November 2025, with further steps toward formal adoption taking place in 2026. The reforms are designed to modernize payment services, strengthen fraud prevention and consumer protection, and reduce barriers to open-banking services across the EU.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">The UK provides one of the clearest examples of the shift toward greater flexibility in 2026. The Financial Conduct Authority (FCA) and Payment Systems Regulator (PSR), working alongside the payments industry, are supporting the expansion of open banking beyond one-off payments through commercial Variable Recurring Payments (cVRPs). VRPs allow customers to authorize approved providers to make a series of payments within pre-agreed parameters, such as payment limits or frequency. In June 2026, the UK Payments Initiative (UKPI) launched an industry-led cVRP scheme designed to establish the commercial arrangements needed for banks and payment providers to offer flexible recurring account-to-account payments. The FCA is also supporting industry efforts to establish an independent <\/span><a href=\"https:\/\/www.fca.org.uk\/publications\/feedback-statements\/fs25-4-design-future-entity-open-banking\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">Future Entity<\/span><\/a><span style=\"font-weight: 400;\">, which, subject to future legislation, is expected to become the primary standards-setting body for UK open-banking APIs.<\/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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-60bb990 e-con-full e-flex e-con e-child\" data-id=\"60bb990\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6f150ca elementor-widget elementor-widget-heading\" data-id=\"6f150ca\" 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\">Trend #3: Strengthening security in open finance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8ff12f2 elementor-widget elementor-widget-text-editor\" data-id=\"8ff12f2\" 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;\">Digital banking trends<\/span><span style=\"font-weight: 400;\"> 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.<\/span><\/p><p><span style=\"font-weight: 400;\">In open finance, <\/span><a href=\"\/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>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6f6ba85 e-con-full e-flex e-con e-child\" data-id=\"6f6ba85\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2fc9bc9 elementor-widget elementor-widget-heading\" data-id=\"2fc9bc9\" 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<h3 class=\"elementor-heading-title elementor-size-default\">Future outlook<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f22b7f1 elementor-widget elementor-widget-text-editor\" data-id=\"f22b7f1\" 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;\">Now that the <\/span><b>Digital Operational Resilience Act (DORA)<\/b><span style=\"font-weight: 400;\"> is officially in effect , open finance is facing tighter security rules and stronger oversight<\/span><span style=\"font-weight: 400;\"> \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.\u00a0<\/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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7403222 e-con-full e-flex e-con e-child\" data-id=\"7403222\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-0d91a7e e-con-full e-flex e-con e-child\" data-id=\"0d91a7e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6791f9e elementor-widget-tablet__width-inherit elementor-widget__width-initial max100 elementor-widget elementor-widget-heading\" data-id=\"6791f9e\" 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<h3 class=\"elementor-heading-title elementor-size-default\">Fortify your digital banking operations against evolving cyber threats.<\/h3>\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-68d5ae5 e-con-full e-flex e-con e-child\" data-id=\"68d5ae5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1d95133 elementor-absolute elementor-widget-mobile__width-inherit transform elementor-widget elementor-widget-html\" data-id=\"1d95133\" 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    width: 400px;\r\n    height: 400px;\r\n  }\r\n\r\n  @media(max-width: 767px) {\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\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('.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 class=\"elementor-element elementor-element-67842e8 elementor-align-left elementor-widget__width-initial elementor-widget-mobile__width-inherit cta-btn elementor-widget elementor-widget-button\" data-id=\"67842e8\" 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>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f426220 e-con-full e-flex e-con e-child\" data-id=\"f426220\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-530325c elementor-widget elementor-widget-heading\" data-id=\"530325c\" 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\">Trend # 4: Embedded finance expanding beyond payments<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5784da9 elementor-widget elementor-widget-text-editor\" data-id=\"5784da9\" 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;\">Embedded finance isn\u2019t just about payments anymore \u2014 it\u2019s changing how we get paid, book trips, and run businesses. In <\/span><span style=\"font-weight: 400;\">2026,<\/span><span style=\"font-weight: 400;\"> 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-e287636 elementor-widget elementor-widget-image\" data-id=\"e287636\" 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=\"Infographic illustrating five types of embedded finance.\" \/>\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-d94b322 e-con-full e-flex e-con e-child\" data-id=\"d94b322\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c33cc9c elementor-widget elementor-widget-heading\" data-id=\"c33cc9c\" 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<h3 class=\"elementor-heading-title elementor-size-default\">Future outlook<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5768fbf elementor-widget elementor-widget-text-editor\" data-id=\"5768fbf\" 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;\">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 noreferrer\"><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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b8f42fc e-con-full e-flex e-con e-child\" data-id=\"b8f42fc\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-559535d elementor-widget elementor-widget-heading\" data-id=\"559535d\" 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\">Trend # 5: Fortifying cybersecurity defenses<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc38f70 elementor-widget elementor-widget-text-editor\" data-id=\"bc38f70\" 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;\">As we dive into <\/span><span style=\"font-weight: 400;\">2026<\/span><span style=\"font-weight: 400;\">, it\u2019s clear that <\/span><a href=\"\/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-769dffd benef-grid-1 elementor-widget elementor-widget-html\" data-id=\"769dffd\" 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    .benef-grid-1 .benef-grid-container {\r\n    display: grid;\r\n    grid-template-columns: repeat(2, 1fr);\r\n    \r\n    grid-auto-rows: auto;\r\n    \r\n    grid-auto-flow: row;\r\n    \r\n    gap: 40px;\r\n\r\n    place-items: stretch;\r\n}\r\n\r\n\r\n.benef-grid-1 .benef-grid-item {\r\n    background-color: #F5F5F7;\r\n    box-sizing: border-box;\r\n    padding: 16px 30px 16px 30px;\r\n\r\n    display: flex;\r\n    align-items: center;\r\n    justify-content: space-between;\r\n\r\n    gap: 30px;\r\n}\r\n\r\n\r\n.benef-grid-1 .benef-grid-item__img {\r\n    width: 48px;\r\n    aspect-ratio: 1\/1;\r\n}\r\n\r\n.benef-grid-1 .benef-grid-item__title {\r\n    font-family: Karla;\r\n    font-size: 18px;\r\n    font-weight: 400;\r\n    line-height: 24.3px;\r\n    color: #2E2E2E;\r\n}\r\n\r\n@media (max-width: 1279px) {\r\n\r\n    .benef-grid-1 .benef-grid-container {\r\n        gap: 20px;\r\n    }\r\n    \r\n}\r\n\r\n@media (max-width: 767px) {\r\n    .benef-grid-1 .benef-grid-container {\r\n        grid-template-columns: 1fr;\r\n        grid-auto-flow: row;\r\n        grid-template-rows: unset;\r\n        gap: 10px;\r\n    }\r\n\r\n    .benef-grid-1 .benef-grid-item__title {\r\n        font-size: 16px;\r\n        line-height: 22.4px;\r\n    }\r\n    \r\n    .benef-grid-1 .benef-grid-item {\r\n        padding: 16px 20px;\r\n\r\n        gap: 20px;\r\n    }\r\n    \r\n    .benef-grid-1 .benef-grid-item__img {\r\n        width: 44px;\r\n        aspect-ratio: 1\/1;\r\n    }\r\n    \r\n}\r\n<\/style>\r\n<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=\"Security shield icon.\">\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=\"Cloud upload icon.\">\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=\"AI chip icon.\">\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=\"Stacked boxes icon.\">\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=\"Risk assessment icon.\">\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=\"Phishing icon.\">\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-3cd74a5 elementor-widget elementor-widget-text-editor\" data-id=\"3cd74a5\" 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 <\/span><span style=\"font-weight: 400;\">2026<\/span><span style=\"font-weight: 400;\"> 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<div class=\"elementor-element elementor-element-d6de33e e-con-full e-flex e-con e-child\" data-id=\"d6de33e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bfbd6a6 switcher-section elementor-widget elementor-widget-html\" data-id=\"bfbd6a6\" 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<!--link in mob example-->\r\n<!--<a href=\"\/services\/ui-ux-design\/\" class=\"see-more-acc\">See more-->\r\n<!--    <img decoding=\"async\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/akar-icons_arrow-down.svg\" alt=\"Right arrow icon.\" class=\"more-arrow\">-->\r\n<!--<\/a>-->\r\n\r\n<style>\r\n.mobile-domain-list-new img:not(.more-arrow) {\r\n    width: 100%;\r\n    height: auto;\r\n    aspect-ratio: 680 \/ 250; \r\n    object-fit: cover;\r\n    display: block;\r\n    background-color: #f5f5f7; \r\n}\r\n\r\n.domains-toggle{\r\n    margin-top: 20px;\r\n    padding-bottom: 8px;\r\n    border-bottom: 1px solid #C63031;\r\n    color: #C63031;\r\n    font-family: Sora;\r\n    font-weight: 600;\r\n    font-size: 14px;\r\n    line-height: 130%;\r\n    width: fit-content;\r\n    cursor: pointer;\r\n}\r\n.see-more-acc {\r\n    display: flex;\r\n    align-items: center;\r\n    gap: 8px;\r\n    font-family: Karla;\r\n    font-size: 14px;\r\n    line-height: 150%;\r\n    text-decoration: none !important;\r\n    color: #C63031;\r\n}\r\n\r\n    .domains-container-new .domains__descriptions-new {\r\n    padding-bottom: 0;\r\n    overflow: hidden;\r\n}\r\n\r\n\r\n\r\n\r\n.domains__descriptions-new .swiper-wrapper{\r\n    width: 100% !important;\r\n}\r\n\r\n.slider-content-new{\r\n    display: flex;\r\n    flex-direction: column;\r\n    gap: 20px;\r\n    justify-content: space-between;\r\n}\r\n\r\n\r\n.switcher-section {\r\n    position: relative;\r\n    min-height: auto;\r\n}\r\n\r\n.switcher-section .domains-container-new {\r\ndisplay: flex;\r\n\/*gap: 120px;*\/\r\ngap: 80px;\r\n}\r\n\r\n.domains__descriptions-new{\r\n  min-height: 454px;\r\n  max-width: 100%;\r\n}\r\n\r\n.domains__descriptions-new  .swiper-slide {\r\n  display: flex;\r\n  flex-direction: column;\r\n  justify-content: space-between;\r\n  gap: 20px;\r\n  height: auto;\r\n  color: #2e2e2e;\r\n    max-width: 680px;\r\n}\r\n\r\n.domains__descriptions-new  .swiper-slide:not(.swiper-slide-active) {\r\n    opacity: 0 !important;\r\n}\r\n\r\n\r\n\r\n.domains__list-new {\r\n  height: 100%;\r\n  list-style: none;\r\n  overflow-y: auto;\r\n  overflow-x: hidden;\r\n  background-color: transparent;\r\n  position: relative;\r\n  max-height: 454px;\r\n  max-width: 320px;\r\n  min-width: 320px;\r\n  padding: 0;\r\n  \/*padding-right: 20px;*\/\r\n}\r\n\r\n.domains__list-new::-webkit-scrollbar {\r\n    position: absolute;\r\n    width: 3px;\r\n    background-color: #F5F5F7;\r\n}\r\n\r\n.domains__list-new::-webkit-scrollbar-thumb {\r\n    position: absolute;\r\n    background-color: #999999;\r\n    border-radius: 3px;\r\n}\r\n\r\n\r\n.domains__list-new li {\r\n  position: relative;\r\n  padding: 16px 12px 16px 24px;\r\n  color: #717171;\r\n  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font-size: 24px;\r\n  font-family: Sora, sans-serif;\r\n  padding: 0;\r\n  margin: 0;\r\n  padding-bottom: 30px;\r\n}\r\n\r\n\r\n.slider-title-new h3 a{\r\n    text-decoration: underline;\r\n}\r\n\r\n.slider-desc-new {\r\n  font-weight: 400;\r\n  font-size: 18px;\r\n  line-height: 27px;\r\n  font-family: Karla, sans-serif;\r\n  list-style: none;\r\n  margin: 0 !important;\r\n}\r\n\r\n.slider-desc-new a{\r\n    text-decoration: underline;\r\n}\r\n\r\n.slider-desc-new li {\r\n  margin-bottom: 20px;\r\n  \/*padding: 10px 0;*\/\r\n  cursor: default;\r\n  transition: margin 0.4s;\r\n  transition-delay: 0.2s;\r\n  font-family: Karla;\r\n  font-weight: 400;\r\n  font-size: 22px;\r\n  line-height: 24px;\r\n  color: #2E2E2E;\r\n}\r\n\r\n.slider-desc-new li::before {\r\n  content: url(\"https:\/\/innowise.com\/wp-content\/uploads\/2024\/06\/Group-5070.svg\");\r\n  vertical-align: middle;\r\n  margin-right: 16px;\r\n}\r\n\r\n\r\n.slider-desc-new li:hover span {\r\n  position: relative;\r\n\r\n}\r\n\r\n\r\n\r\n\r\n.domain__description-list-new {\r\n  line-height: 42px;\r\n  padding-left: 30px;\r\n  font-size: 24px;\r\n  font-family: karla;\r\n  font-weight: 400;\r\n}\r\n\r\n.domains__list-new li > a {\r\n  color: #fff;\r\n}\r\n\r\n.domains__list-new li:hover a {\r\n  color: #C63031;\r\n}\r\n\r\n.slider-image-block-new{\r\n    display: flex;\r\n    flex-direction: column;\r\n    gap: 30px;\r\n}\r\n\r\n.slider-image-block-new img {\r\n  width: 100%;\r\n  height: 250px;\r\n  object-fit: cover;\r\n}\r\n\r\n\r\n\r\n\r\n.mobile-domains-new {\r\n    display: none;\r\n    flex-direction: column;\r\n    gap: 0;\r\n}\r\n\r\n.mobile-domains-navbar-new {\r\n    display: flex;\r\n    flex-direction: column;\r\n}\r\n\r\n.mobile-domains-navitem-new {\r\n    padding: 15px 0 15px 12px;\r\n    border-left: 1px solid #C4C4C4;\r\n    display: flex;\r\n    flex-direction: column;\r\n    cursor: pointer;\r\n    position: relative;\r\n    margin-left: 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a.slider-link-new{\r\n        font-size: 14px;\r\n        margin-top: 0;\r\n        margin-bottom: 0;\r\n    }\r\n    \r\n    a.slider-link-new::after{\r\n        content: '';\r\n        width: 18px;\r\n        height: 18px;\r\n        left: calc(100% + 8px);\r\n    }\r\n}\r\n<\/style>\r\n\r\n<script>\r\n    document.addEventListener('DOMContentLoaded', () => {\r\n\r\n        const mobileNavItems = document.querySelectorAll('.mobile-domains-navitem-new');\r\n        \r\n        const domainsListItems = document.querySelectorAll(\r\n            '.domains__list-new.num1 li'\r\n        );\r\n        const toggle = document.querySelector('.domains-toggle');\r\n        const visibleCount = 7;\r\n\r\n        \/\/ hide rows 7+\r\n        if(toggle) {\r\n            mobileNavItems.forEach((row, index) => {\r\n                if (index >= visibleCount) row.classList.add(\"hidden\");\r\n            });\r\n\r\n            let expanded = false;\r\n\r\n            toggle.addEventListener(\"click\", 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(domainsListItems.length > 0 && typeof activateDesktopItem === 'function') {\r\n                       activateDesktopItem(index); \r\n                    }\r\n                });\r\n            }\r\n        });\r\n        \r\n        if (mobileNavItems.length > 0) {\r\n            activateMobileItem(0, false);\r\n        }\r\n        \r\n        const domainsSwiperEl = document.querySelector('.domains__descriptions-new.num1');\r\n        \r\n        if (domainsSwiperEl) {\r\n            const domainsSwiper = new Swiper('.domains__descriptions-new.num1', {\r\n                slidesPerView: 1,\r\n                spaceBetween: 24, \r\n                effect:'fade',\r\n                allowTouchMove:false,   \r\n            });  \r\n            \r\n            const rightPart = document.querySelector('.domains__descriptions-new.num1');\r\n            const leftPart = document.querySelector('.domains__list-new.num1');\r\n            \r\n            if (rightPart && leftPart) {\r\n          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         }\r\n              });\r\n            });\r\n        }\r\n    });\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f48b4eb switcher-section elementor-widget elementor-widget-html\" data-id=\"f48b4eb\" 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\">\r\n    <ul class=\"domains__list-new num1\">\r\n        <li class=\"active\">Zero-trust architecture (ZTA)<\/li>\r\n        <li>Privacy-enhancing technologies (PETs)<\/li>\r\n        <li>Quantum-resistant cryptography (QRC)<\/li>\r\n        <li>Advanced multi-factor authentication (MFA)<\/li>\r\n        <li>Distributed ledger technology (DLT)<\/li>\r\n    <\/ul>\r\n\r\n    <div class=\"domains__descriptions-new num1\">\r\n      <div class=\"swiper-wrapper\">\r\n        <div class=\"swiper-slide swiper-slide-active\">\r\n            <div>\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\">Zero Trust Architecture (ZTA) is a cybersecurity framework built on a core principle: never trust, always verify. Unlike traditional security models that assume anything inside the corporate network is safe, ZTA treats every user, device, and application as a potential threat until proven otherwise. Every single access request is authorized and continuously validated before access is granted.<\/p>\r\n            <\/div>\r\n            <div class=\"slider-image-block-new\">\r\n                <img decoding=\"async\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/03\/Zero-trust-architecture-ZTA.jpg\" alt=\"Illustration of a zero-trust cybersecurity network with interconnected nodes, representing continuous identity verification and secure access control in banking.\" \/>\r\n            <\/div>\r\n        <\/div>\r\n        <div class=\"swiper-slide\">\r\n            <div>\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>\r\n            <div class=\"slider-image-block-new\">\r\n                <img decoding=\"async\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/03\/Privacy-enhancing-technologies-PETs.jpg\" alt=\"Digital shield protecting encrypted information, illustrating how privacy-enhancing technologies help banks safeguard customer data.\" \/>\r\n            <\/div>\r\n        <\/div>\r\n        <div class=\"swiper-slide\">\r\n            <div>\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>\r\n            <div class=\"slider-image-block-new\">\r\n                <img decoding=\"async\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/03\/Quantum-resistant-cryptography-QRC.jpg\" alt=\"Digital padlock surrounded by flowing data streams, representing quantum-resistant cryptography designed to protect banking transactions.\" \/>\r\n            <\/div>\r\n        <\/div>\r\n        <div class=\"swiper-slide\">\r\n            <div>\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 2026, 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=\"\/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>\r\n            <div class=\"slider-image-block-new\">\r\n                <img decoding=\"async\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/03\/Advanced-multi-factor-authentication-MFA.jpg\" alt=\"Illustration of biometric fingerprint scanning and digital security icons, representing advanced multi-factor authentication.\" \/>\r\n            <\/div>\r\n        <\/div>\r\n        <div class=\"swiper-slide\">\r\n            <div>\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>\r\n            <div class=\"slider-image-block-new\">\r\n                <img decoding=\"async\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/03\/Distributed-ledger-technology-DLT.jpg\" alt=\"Network of interconnected digital blocks representing distributed ledger technology.\" \/>\r\n            <\/div>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n<\/div>\r\n\r\n<div class=\"mobile-domains-new num1\">\r\n        <div class=\"mobile-domains-navitem-new active\" data-mobile-domain=\"domain-1\">\r\n            <h3 class=\"mobile-domains-navitem-new-title\">Zero-trust architecture (ZTA)<\/h3>\r\n            <div class=\"slider-desc-new mobile-domain-list-new\">\r\n                <p class=\"slider-desc-new\">Zero Trust Architecture (ZTA) is a cybersecurity framework built on a core principle: never trust, always verify. Unlike traditional security models that assume anything inside the corporate network is safe, ZTA treats every user, device, and application as a potential threat until proven otherwise. Every single access request is authorized and continuously validated before access is granted.<\/p>\r\n                <img decoding=\"async\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/03\/Zero-trust-architecture-ZTA.jpg\" alt=\"Illustration of a zero-trust cybersecurity network with interconnected nodes, representing continuous identity verification and secure access control in banking.\" \/>\r\n            <\/div>\r\n        <\/div>\r\n        <div class=\"mobile-domains-navitem-new\" data-mobile-domain=\"domain-2\">\r\n            <h3 class=\"mobile-domains-navitem-new-title\">Privacy-enhancing technologies (PETs)<\/h3>\r\n            <div class=\"slider-desc-new 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=\"Digital shield protecting encrypted information, illustrating how privacy-enhancing technologies help banks safeguard customer data.\" \/>\r\n            <\/div>\r\n        <\/div>\r\n        <div class=\"mobile-domains-navitem-new\" data-mobile-domain=\"domain-3\">\r\n            <h3 class=\"mobile-domains-navitem-new-title\">Quantum-resistant cryptography (QRC)<\/h3>\r\n            <div class=\"slider-desc-new 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=\"Digital padlock surrounded by flowing data streams, representing quantum-resistant cryptography designed to protect banking transactions.\" \/>\r\n            <\/div>\r\n        <\/div>\r\n        <div class=\"mobile-domains-navitem-new\" data-mobile-domain=\"domain-4\">\r\n            <h3 class=\"mobile-domains-navitem-new-title\">Advanced multi-factor authentication (MFA)<\/h3>\r\n            <div class=\"slider-desc-new mobile-domain-list-new\">\r\n                <p class=\"slider-desc-new\">In 2026, 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=\"\/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=\"Illustration of biometric fingerprint scanning and digital security icons, representing advanced multi-factor authentication.\" \/>\r\n            <\/div>\r\n        <\/div>\r\n        <div class=\"mobile-domains-navitem-new\" data-mobile-domain=\"domain-5\">\r\n            <h3 class=\"mobile-domains-navitem-new-title\">Distributed ledger technology (DLT)<\/h3>\r\n            <div class=\"slider-desc-new 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=\"Network of interconnected digital blocks representing distributed ledger technology.\" \/>\r\n            <\/div>\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<div class=\"elementor-element elementor-element-0657a73 e-con-full e-flex e-con e-child\" data-id=\"0657a73\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-67292d5 elementor-widget elementor-widget-heading\" data-id=\"67292d5\" 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<h3 class=\"elementor-heading-title elementor-size-default\">Future outlook<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b56536d elementor-widget elementor-widget-text-editor\" data-id=\"b56536d\" 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;\">Looking ahead beyond <\/span><span style=\"font-weight: 400;\">2026<\/span><span style=\"font-weight: 400;\">, 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 noreferrer\"><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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1d11ad1 e-con-full e-flex e-con e-child\" data-id=\"1d11ad1\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b2ef51d elementor-widget elementor-widget-heading\" data-id=\"b2ef51d\" 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\">Trend # 6: The surge in digital-only banks (neobanks)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24188c3 elementor-widget elementor-widget-text-editor\" data-id=\"24188c3\" 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;\">The global neobanking market was valued at <\/span><a href=\"https:\/\/www.fortunebusinessinsights.com\/neobanking-market-109076\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">$210.16 billion in 2025<\/span><\/a><span style=\"font-weight: 400;\">. From there, it&#8217;s set to grow rapidly, reaching $310.15 billion in 2026 and an impressive $7,6 trillion by 2034, with a compound annual growth rate (CAGR) of 49.30% during this time.<\/span><\/p><p><span style=\"font-weight: 400;\">In <\/span><span style=\"font-weight: 400;\">2026,<\/span> <a href=\"\/blog\/neobank-guide\"><span style=\"font-weight: 400;\">neobanks<\/span><\/a><span style=\"font-weight: 400;\"> are shaking up cross-border payments by using<\/span><b> blockchain and crypto<\/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>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3d7d439 e-con-full e-flex e-con e-child\" data-id=\"3d7d439\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f573863 elementor-widget elementor-widget-heading\" data-id=\"f573863\" 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<h3 class=\"elementor-heading-title elementor-size-default\">Future outlook<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e6eed4f elementor-widget elementor-widget-text-editor\" data-id=\"e6eed4f\" 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;\">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=\"\/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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0b93dea e-con-full e-flex e-con e-child\" data-id=\"0b93dea\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-9a63fa0 e-con-full e-flex e-con e-child\" data-id=\"9a63fa0\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-facdc5a elementor-widget-tablet__width-inherit elementor-widget__width-initial max100 elementor-widget elementor-widget-heading\" data-id=\"facdc5a\" 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<h3 class=\"elementor-heading-title elementor-size-default\">Scale up and conquer new markets with the latest tech.<\/h3>\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-6452d2d e-con-full e-flex e-con e-child\" data-id=\"6452d2d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9588710 elementor-absolute elementor-widget-mobile__width-inherit transform elementor-widget elementor-widget-html\" data-id=\"9588710\" 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    width: 400px;\r\n    height: 400px;\r\n  }\r\n\r\n  @media(max-width: 767px) {\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\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('.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 class=\"elementor-element elementor-element-9ed2bfa elementor-align-left elementor-widget__width-initial elementor-widget-mobile__width-inherit cta-btn elementor-widget elementor-widget-button\" data-id=\"9ed2bfa\" 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>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8244fc6 e-con-full e-flex e-con e-child\" data-id=\"8244fc6\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0c71644 elementor-widget elementor-widget-heading\" data-id=\"0c71644\" 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\">Trend #7: The growing focus on sustainable and ethical banking<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5863c9a elementor-widget elementor-widget-text-editor\" data-id=\"5863c9a\" 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;\">Banks are increasingly recognizing the need to fight climate change and bring sustainable practices into their operations. By focusing on <\/span><a href=\"\/services\/esg\/consulting\/\"><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><\/p><p><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><\/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-aa6a368 elementor-widget elementor-widget-image\" data-id=\"aa6a368\" 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=\"Infographic showing the three pillars of ESG in banking: environmental, social, and governance factors, with key examples of each.\" \/>\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-a5f6b93 e-con-full e-flex e-con e-child\" data-id=\"a5f6b93\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b4fd1a7 elementor-widget elementor-widget-heading\" data-id=\"b4fd1a7\" 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<h3 class=\"elementor-heading-title elementor-size-default\">Future outlook<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e097f62 elementor-widget elementor-widget-text-editor\" data-id=\"e097f62\" 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;\">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.\u00a0<\/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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e44168b e-con-full e-flex e-con e-child\" data-id=\"e44168b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ce0e2c6 elementor-widget elementor-widget-heading\" data-id=\"ce0e2c6\" 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\">Trend # 8: Automating investments with robo-advising<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-acc24ab elementor-widget elementor-widget-text-editor\" data-id=\"acc24ab\" 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 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-11fd562 elementor-widget elementor-widget-image\" data-id=\"11fd562\" 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=\"Bar chart showing the growth of the global robo-advisory market by region from 2019 to 2032.\" \/>\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-c370ef3 e-con-full e-flex e-con e-child\" data-id=\"c370ef3\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a0d0211 elementor-widget elementor-widget-heading\" data-id=\"a0d0211\" 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<h3 class=\"elementor-heading-title elementor-size-default\">Future outlook<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8ac37e6 elementor-widget elementor-widget-text-editor\" data-id=\"8ac37e6\" 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;\">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 noreferrer\"><span style=\"font-weight: 400;\">$95.6 billion by 2034,<\/span><\/a><span style=\"font-weight: 400;\"> reflecting a CAGR of 22.42%.<\/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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-58d2e90 e-con-full e-flex e-con e-child\" data-id=\"58d2e90\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-08d1fee elementor-widget elementor-widget-heading\" data-id=\"08d1fee\" 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\">Trend # 9: Composable banking for greater flexibility<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36eead0 elementor-widget elementor-widget-text-editor\" data-id=\"36eead0\" 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;\">In <\/span><span style=\"font-weight: 400;\">2026<\/span><span style=\"font-weight: 400;\">, composable banking is making waves in <\/span><span style=\"font-weight: 400;\">digital banking technologies<\/span><span style=\"font-weight: 400;\"> 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 <\/span><b>modular components from external partners to enhance their tech setup<\/b><span style=\"font-weight: 400;\">. APIs are the key here, connecting everything smoothly and allowing banks to mix and match different systems and services.<\/span><\/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<div class=\"elementor-element elementor-element-6690868 e-con-full e-flex e-con e-child\" data-id=\"6690868\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b02f9cc elementor-widget elementor-widget-heading\" data-id=\"b02f9cc\" 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<h3 class=\"elementor-heading-title elementor-size-default\">Future outlook<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8466a55 elementor-widget elementor-widget-text-editor\" data-id=\"8466a55\" 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;\">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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-785272c e-con-full e-flex e-con e-child\" data-id=\"785272c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-36ac11d elementor-widget elementor-widget-heading\" data-id=\"36ac11d\" 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\">Trend # 10: Supercharging convenience with super apps<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5a09ffb e-con-full e-flex e-con e-child\" data-id=\"5a09ffb\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0151a64 elementor-widget elementor-widget-text-editor\" data-id=\"0151a64\" 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;\">In the financial world, <\/span><a href=\"\/mobile-app\/development\/super-app\/\"><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 <\/span><span style=\"font-weight: 400;\">2026<\/span><span style=\"font-weight: 400;\">:<\/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-cada428 elementor-widget elementor-widget-text-editor\" data-id=\"cada428\" 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<ul class=\"blackUl\">\n \t<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>\n \t<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>\n \t<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>\n \t<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>\n \t<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>\n \t<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>\n \t<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>\n<\/ul>\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-31af1cc elementor-widget elementor-widget-image\" data-id=\"31af1cc\" 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=\"Infographic showing super app features, including banking, payments, shopping, food delivery, messaging, and transportation.\" \/>\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-2375144 e-con-full e-flex e-con e-child\" data-id=\"2375144\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c6501e9 elementor-widget elementor-widget-heading\" data-id=\"c6501e9\" 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<h3 class=\"elementor-heading-title elementor-size-default\">Future outlook<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce4aa22 elementor-widget elementor-widget-text-editor\" data-id=\"ce4aa22\" 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;\">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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3fee7d0 e-con-full e-flex e-con e-child\" data-id=\"3fee7d0\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5fdbf89 elementor-widget elementor-widget-heading\" data-id=\"5fdbf89\" 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\">Trend #11: Redefining workflows with agentic AI<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a57b98 elementor-widget elementor-widget-text-editor\" data-id=\"9a57b98\" 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;\">Agentic AI is becoming one of the key <\/span><span style=\"font-weight: 400;\">trends in digital banking<\/span><span style=\"font-weight: 400;\">, surpassing GenAI by enabling autonomous decision-making, learning, and collaboration. Unlike GenAI, which relies on human prompts, agentic AI can <\/span><b>independently perceive, reason, act, and improve over tim<\/b><span style=\"font-weight: 400;\"><strong>e<\/strong> using networks of agents.<\/span><\/p><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><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 noreferrer\"><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-86e1056 elementor-widget elementor-widget-image\" data-id=\"86e1056\" 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=\"Flowchart showing how agentic AI completes tasks.\" \/>\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-35b90a9 e-con-full e-flex e-con e-child\" data-id=\"35b90a9\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e7b4992 elementor-widget elementor-widget-heading\" data-id=\"e7b4992\" 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<h3 class=\"elementor-heading-title elementor-size-default\">Future outlook<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-225d77c elementor-widget elementor-widget-text-editor\" data-id=\"225d77c\" 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;\">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 noreferrer\"><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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e25c074 e-con-full e-flex e-con e-child\" data-id=\"e25c074\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a22dbd7 elementor-widget elementor-widget-heading\" data-id=\"a22dbd7\" 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\">Trend # 12: Scaling financial asset tokenization<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d8d5cd elementor-widget elementor-widget-text-editor\" data-id=\"5d8d5cd\" 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><a href=\"\/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 <\/span><span style=\"font-weight: 400;\">2026<\/span><span style=\"font-weight: 400;\">, 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 noreferrer\"><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-77b0a87 elementor-widget elementor-widget-image\" data-id=\"77b0a87\" 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=\"Flowchart showing the financial asset tokenization process.\" \/>\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-aed96c2 e-con-full e-flex e-con e-child\" data-id=\"aed96c2\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7d70a92 elementor-widget elementor-widget-heading\" data-id=\"7d70a92\" 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<h3 class=\"elementor-heading-title elementor-size-default\">Future outlook<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60f18e8 elementor-widget elementor-widget-text-editor\" data-id=\"60f18e8\" 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;\">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 noreferrer\"><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.\u00a0<\/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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-148407d e-con-full e-flex e-con e-child\" data-id=\"148407d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fa6b88a elementor-widget elementor-widget-shortcode\" data-id=\"fa6b88a\" 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=\"quote_shortcode-container\">\n                <div class=\"quote_shortcode-text\">\n            Adopting 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.        <\/div>\n                <div class=\"quote_shortcode-bottom\">\n                            <img decoding=\"async\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2026\/03\/Ivan-Shatukha.png\" alt=\"Ivan Shatukha, Global Development Director.\" class=\"quote_shortcode-img\">\n                        <div class=\"quote_shortcode-right\">\n                <a href=\"https:\/\/innowise.com\/pt\/authors\/ivan-shatukha\/\" class=\"quote_shortcode-name\">\n                    Ivan Shatukha                <\/a>\n                                <div class=\"quote_shortcode-position\">\n                    Global Development Director                <\/div>\n                            <\/div>\n        <\/div>\n    <\/div>\n\n    <style>\n        .quote_shortcode-container{\n            background: #F6FAFE;\n            border: 1px solid #9CC6ED;\n      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new opportunities.<\/h3>\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-f1b8a86 e-con-full e-flex e-con e-child\" data-id=\"f1b8a86\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7a99f25 elementor-absolute elementor-widget-mobile__width-inherit transform elementor-widget elementor-widget-html\" data-id=\"7a99f25\" 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    width: 400px;\r\n    height: 400px;\r\n  }\r\n\r\n  @media(max-width: 767px) {\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\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('.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 class=\"elementor-element elementor-element-c4039c1 elementor-align-left elementor-widget__width-initial elementor-widget-mobile__width-inherit cta-btn elementor-widget elementor-widget-button\" data-id=\"c4039c1\" 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>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-97cb213 e-con-full e-flex e-con e-child\" data-id=\"97cb213\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-08d3cf3 elementor-widget elementor-widget-heading\" data-id=\"08d3cf3\" 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\">Final thoughts<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d17b067 elementor-widget elementor-widget-text-editor\" data-id=\"d17b067\" 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;\">Digital banking technologies<\/span><span style=\"font-weight: 400;\"> 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 <\/span><a href=\"\/finance\/software-development\/\"><span style=\"font-weight: 400;\">build the right tech<\/span><\/a><span style=\"font-weight: 400;\"> to stay ahead.<\/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-4c35447 e-con-full e-flex e-con e-child\" data-id=\"4c35447\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e4cc0c7 elementor-widget elementor-widget-heading\" data-id=\"e4cc0c7\" 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\">FAQ<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d27b9ae e-con-full e-flex e-con e-child\" data-id=\"d27b9ae\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-270468e faq elementor-widget elementor-widget-n-accordion\" data-id=\"270468e\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-4090\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-4090\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How is AI transforming digital banking? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"40\" fill=\"none\"><path fill=\"#C63031\" d=\"M8 21v-2h24v2z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"40\" fill=\"none\"><path fill=\"#C63031\" d=\"M19 8h2v24h-2z\"><\/path><path fill=\"#C63031\" d=\"M8 21v-2h24v2z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-4090\" class=\"elementor-element elementor-element-cb9b880 e-con-full e-flex e-con e-child\" data-id=\"cb9b880\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2d579ea elementor-widget elementor-widget-html\" data-id=\"2d579ea\" 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='content content-with-list'>\n<p>\n    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.\n<\/p>\n\n<\/div> \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-4091\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-4091\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What role does blockchain play in digital banking? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"40\" fill=\"none\"><path fill=\"#C63031\" d=\"M8 21v-2h24v2z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"40\" fill=\"none\"><path fill=\"#C63031\" d=\"M19 8h2v24h-2z\"><\/path><path fill=\"#C63031\" d=\"M8 21v-2h24v2z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-4091\" class=\"elementor-element elementor-element-620cb42 e-con-full e-flex e-con e-child\" data-id=\"620cb42\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-66e634c elementor-widget elementor-widget-html\" data-id=\"66e634c\" 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\n<div class='content'>\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\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-4092\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-4092\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is open banking and why is it important? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"40\" fill=\"none\"><path fill=\"#C63031\" d=\"M8 21v-2h24v2z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"40\" fill=\"none\"><path fill=\"#C63031\" d=\"M19 8h2v24h-2z\"><\/path><path fill=\"#C63031\" d=\"M8 21v-2h24v2z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-4092\" class=\"elementor-element elementor-element-28e6544 e-flex e-con-boxed e-con e-child\" data-id=\"28e6544\" 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-a292d7d elementor-widget elementor-widget-html\" data-id=\"a292d7d\" 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='content'>\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\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\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-4093\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-4093\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How are banks improving cybersecurity in 2026? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"40\" fill=\"none\"><path fill=\"#C63031\" d=\"M8 21v-2h24v2z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"40\" fill=\"none\"><path fill=\"#C63031\" d=\"M19 8h2v24h-2z\"><\/path><path fill=\"#C63031\" d=\"M8 21v-2h24v2z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-4093\" class=\"elementor-element elementor-element-9b64d5e e-flex e-con-boxed e-con e-child\" data-id=\"9b64d5e\" 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-0fee205 elementor-widget elementor-widget-html\" data-id=\"0fee205\" 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='content'>\n <p>In 2026, 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\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\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"How is AI transforming digital banking?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"AI helps banks to up their game in detecting fraud and making more accurate financial predictions. 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toggleFAQ(false));\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 class=\"elementor-element elementor-element-63ec678 elementor-widget elementor-widget-shortcode\" data-id=\"63ec678\" 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<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-49dc8c0 table-content-container e-con-full e-flex e-con e-child\" data-id=\"49dc8c0\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a8f5c87 e-con-full stickyTable e-flex e-con e-child\" data-id=\"a8f5c87\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5e8bbbc author-block e-con-full e-flex e-con e-child\" data-id=\"5e8bbbc\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ee45224 ddcv elementor-widget elementor-widget-html\" data-id=\"ee45224\" 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  .article-description > .e-con-inner {\r\n    align-items: baseline !important;\r\n    \/* align-items: flex-start !important; *\/\r\n  }\r\n\r\n  .stickyTable {\r\n    position: sticky;\r\n    top: 72px;\r\n    bottom: auto;\r\n  }\r\n<\/style>\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  <h4 class=\"toc-title\">Table of contents<\/h4>\r\n  <div class=\"toc toc-2\"><\/div>\r\n<\/div>\r\n\r\n<script>\r\n  document.addEventListener(\"DOMContentLoaded\", () => {\r\n    \/*-------------------------------\r\n    SETTING\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      \"Solution we delivered\": \"Solution\",\r\n    };\r\n\r\n    const OFFSET = 70; \r\n\r\n    let headerElements = [];\r\n    let tocLinks = [];\r\n    \r\n    \/\/SET TOC HEIGHT\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    };\r\n\r\n    \/*-------------------------------\r\n    CREATE TOC LIST\r\n  --------------------------------*\/\r\n    function createToc() {\r\n      const tocContainer = document.querySelector(\".toc.toc-2\");\r\n      const list = document.createElement(\"ul\");\r\n\r\n      \r\n      headerElements = [\r\n        ...document.querySelectorAll(\".article-description h2\"),\r\n      ];\r\n\r\n      \r\n      const excluded = [\r\n        document.querySelector(\".related_content_blog_container h2\"),\r\n      ];\r\n      \/\/   headerElements = headerElements.filter((h) => !excluded.includes(h));\r\n\r\n      headerElements.forEach((header) => {\r\n        const textOriginal =\r\n          header.dataset.title?.trim() || header.textContent.trim();\r\n        const id =\r\n          header.id ||\r\n          textOriginal\r\n            .toLowerCase()\r\n            .replace(\/[^\\w ]+\/g, \"\")\r\n            .replace(\/ +\/g, \"-\");\r\n        header.id = id;\r\n\r\n        const li = document.createElement(\"li\");\r\n        const a = document.createElement(\"a\");\r\n\r\n        a.href = \"#\" + id;\r\n        a.textContent = LINKS[textOriginal] || textOriginal;\r\n\r\n        a.addEventListener(\"click\", (e) => {\r\n          e.preventDefault();\r\n          const y =\r\n            header.getBoundingClientRect().top + window.scrollY - OFFSET;\r\n          window.scrollTo({ top: y, behavior: \"smooth\" });\r\n        });\r\n\r\n        li.appendChild(a);\r\n        list.appendChild(li);\r\n      });\r\n\r\n      tocContainer.appendChild(list);\r\n      tocLinks = Array.from(list.querySelectorAll(\"li\"));\r\n    }\r\n\r\n    \r\n    function createObserver() {\r\n      const observerOptions = {\r\n        root: null,\r\n        rootMargin: \"0px 0px -60% 0px\",\r\n        threshold: 0, \r\n      };\r\n\r\n      const callback = (entries) => {\r\n        entries.forEach((entry) => {\r\n          if (entry.isIntersecting) {\r\n            const id = entry.target.id;\r\n\r\n            tocLinks.forEach((li) =>\r\n              li.classList.remove(\"active\", \"pre-active\"),\r\n            );\r\n\r\n            const index = headerElements.findIndex((h) => h.id === id);\r\n\r\n            tocLinks.forEach((li, i) => {\r\n              if (i === index) li.classList.add(\"active\");\r\n              if (i < index) li.classList.add(\"pre-active\");\r\n            });\r\n          }\r\n        });\r\n      };\r\n\r\n      const observer = new IntersectionObserver(callback, observerOptions);\r\n      headerElements.forEach((h) => observer.observe(h));\r\n    }\r\n\r\n    \r\n    function loadAllImages() {\r\n      document.querySelectorAll(\"img\").forEach((img) => {\r\n        const src = img.dataset.src || img.src;\r\n        img.src = src;\r\n      });\r\n    }\r\n\r\n    \/*-------------------------------\r\n    INIT\r\n  --------------------------------*\/\r\n    setTimeout(() => {\r\n      loadAllImages();\r\n      createToc();\r\n      setContainerHeight();\r\n      createObserver();\r\n    }, 300);\r\n  });\r\n<\/script>\r\n\r\n<style>\r\n  .table-content-container {\r\n    max-width: 300px;\r\n    width: 100%;\r\n    flex-shrink: 0;\r\n  }\r\n\r\n  .table-content-container .elementor-widget-wrap {\r\n    margin: 0 !important;\r\n    padding: 0 !important;\r\n  }\r\n\r\n  @media (max-width: 1279px) {\r\n    .table-content-container {\r\n      display: none !important;\r\n    }\r\n  }\r\n\r\n  .toc-wrapper {\r\n    display: flex;\r\n    flex-direction: column;\r\n    row-gap: 30px;\r\n    font-family: \"Karla\";\r\n    box-sizing: border-box;\r\n    \/* height: 100%; *\/\r\n\r\n    flex: 1;\r\n  }\r\n  .ddcv {\r\n    flex-basis: 100%;\r\n    flex-grow: 1;\r\n    flex-shrink: 1;\r\n    overflow-y: auto;\r\n  }\r\n\r\n  .toc-wrapper {\r\n    overflow-y: auto;\r\n    flex-shrink: 1;\r\n    flex-basis: 100%;\r\n    flex-grow: 1;\r\n  }\r\n\r\n  .toc-wrapper::-webkit-scrollbar,\r\n  .ddcv::-webkit-scrollbar {\r\n    position: absolute !important;\r\n    width: 4px !important;\r\n    background-color: #f5f5f7 !important;\r\n  }\r\n\r\n  .toc-wrapper::-webkit-scrollbar-thumb,\r\n  .ddcv::-webkit-scrollbar-thumb {\r\n    position: absolute !important;\r\n    background-color: #999999 !important;\r\n    border-radius: 4px !important;\r\n  }\r\n\r\n  .toc-wrapper .toc {\r\n    scrollbar-width: 4px !important;\r\n    scrollbar-color: auto !important;\r\n  }\r\n\r\n  h4.toc-title {\r\n    margin: 0;\r\n    font-family: Karla;\r\n    font-size: 22px;\r\n    line-height: 28px;\r\n    font-weight: 700;\r\n  }\r\n\r\n  @media screen and (max-width: 1279px) {\r\n    .ddcv {\r\n      margin-top: 0px;\r\n      position: absolute;\r\n      top: 0px;\r\n      left: 50%;\r\n      transform: translate(50%, 0);\r\n    }\r\n  }\r\n\r\n  @media screen and (max-width: 767px) {\r\n    .ddcv {\r\n      display: none;\r\n    }\r\n  }\r\n\r\n  .toc ul {\r\n    list-style: none;\r\n    font-family: \"Karla\";\r\n    font-size: 16px;\r\n    line-height: 22px;\r\n    padding: 0px;\r\n    border-left: 1px solid #717171;\r\n  }\r\n\r\n  .toc li {\r\n    margin-left: -1px;\r\n    margin-top: 0;\r\n    padding: 16px 16px 16px 20px;\r\n    font-size: 18px;\r\n    line-height: 22px;\r\n    color: #717171;\r\n    border-left: 2px solid transparent;\r\n  }\r\n\r\n  .toc ul li a {\r\n    display: block;\r\n    width: 100%;\r\n    color: inherit;\r\n    text-decoration: none !important;\r\n  }\r\n\r\n  .toc ul .active {\r\n    color: #2e2e2e;\r\n    border-left: 2px solid #c63031;\r\n  }\r\n\r\n  .toc ul .pre-active {\r\n    border-left: 2px solid #c63031;\r\n  }\r\n<\/style>\r\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>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ec7dade e-flex e-con-boxed e-con e-parent\" data-id=\"ec7dade\" 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-41a7e53 elementor-widget elementor-widget-shortcode\" data-id=\"41a7e53\" 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=\"\/pt\/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=\"6.1.6\" \/><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.mailToContact br:nth-child(2){\ndisplay:none;\n}\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.contact-us__wrapper .pp a{\n  text-decoration: underline;\n}\n.contact-us__wrapper .pp a:hover{\n  color:#C63031;\n}\n.contact-us__wrapper .pp a:active{\n  color: #D13B3B;\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-templates .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-templates .form-template p{\n       \n    font-size: 16px;\n    line-height: 20px;  \n    margin-bottom: 30px !important;\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\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    .contact-us__wrapper .pp {\nfont-size: 12px !important;\nline-height: 140%;\nmargin-bottom: 0 !important;\n\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=\"\">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\" aria-label=\"Project budget\"><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. 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