Insights & Banking-​Trends

AI governance is a comprehensive framework that defines responsibilities for the use of artificial intelligence in a company and ensures the safe, ethical, transparent and legally compliant use of AI. The new BaFin guidance clearly classifies artificial intelligence as an ICT risk under DORA. With the help of the three-pillar model and robust AI governance, banks are able to meet strategic and operational requirements.

The year 2025 was also challenging for banks. What can they expect in 2026? We discussed this with our experts Andreas Mach, Rainer Wilken and Stefan Baumann. The third and final part of our expert discussion ‘Banking 2026’ focuses on banking regulation, the digital euro, European payments and ESG.

| Part 2 | The year 2025 was also challenging for banks. What can they expect in 2026? We discussed this with our experts Andreas Mach, Rainer Wilken, and Stefan Baumann. In the second part of our three-part expert discussion “Banking 2026,” we discuss the skills shortage in banks, the changing corporate culture, and the continuing geopolitical volatility.

The EBA/CP/2025/21 consultation paper provides significant impetus for the further development of the banking supervisory framework and defines clear expectations for institutions of all sizes. It aims to achieve greater proportionality, more streamlined procedures and closer integration of key elements of the SREP. At the same time, an effective, cause-orientated assessment is moving more into focus. This requires financial institutions to take action. This article provides an initial orientation on the key content and the regulatory thrust.