Thoughtworks：2026年欧洲、中东及非洲（EMEA）银行业关键技术趋势研究报告（英文版）（20页）.pdf

1、Banking in EMEA Key tech trends for 2026 Banking in EMEA Key tech trends for 2026 November 2025 Banking in EMEA Key tech trends for 2026 Executive summary 3 Trend one:The autonomous,AI-powered bank 5 Trend two:Legacy modernization through domain-driven slices 7 Trend three:Seamless,real-time embedde

2、d finance 9 Trend four:Programmable digital assets and tokenization 12 Trend five:Hyper-personalization at scale 16 Authors 19 Banking in EMEA Key tech trends for 2026 Executive summary The Europe,Middle East and Africa(EMEA)banking industry is at the precipice of a profound and irreversible transfo

3、rmation.This is not an incremental change,but a fundamental rewiring of the sectors operating model,driven by a powerful convergence of forces:the maturation of enterprise-scale AI,a wave of prescriptive regulation and rising customer expectations for seamless embedded experiences.The era of siloed

4、products and reactive services is over.The future belongs to intelligent,ecosystem-driven institutions that are not just compliant,but indispensable.Banking is becoming an autonomous,invisible utility Banks are emerging from the role of trusted financial caretaker and are actively leveraging that tr

5、ust to engage more meaningfully with their customers.The ambition is to provide a plethora of both financial and non-financial services by building an ecosystem of partners.?This shift allows banks to monetize life experiences by embedding finance into the customers daily digital journey e.g.,Bankin

6、g as a Service(BaaS)and embedded finance,effectively becoming a trusted,invisible financial engine.?This profound transformation is accelerated by technology:the industry is rapidly moving toward an AI-first operating model where agentic AI drives hyperefficient operations and informed decisions,mak