The future of banking

On 1 June 2026, the reform of the Retirement Savings Certification Act (AltZertG) was passed, paving the way for a new Retirement Investment Account (AVD). The starting gun fires on 1 January 2027. What does this mean for banks?

E-invoicing is gradually becoming a regulatory requirement in Germany—receipt has been possible since 2025, and issuance will be mandatory starting in 2027/2028. For banks and PSPs, this is a strategic game-changer, as invoices become operational process data—and thus the data anchor for invoice-to-pay, cash visibility, automated reconciliation, and new payment services.

Germany is lagging behind the rest of the EU when it comes to AI adoption. Whilst Nordic countries are making consistent use of artificial intelligence, Germany often gets bogged down in pilot projects. In this article, you’ll find out why implementation is more important than strategy and how banks can catch up now.

A new AI model is currently causing a stir in the world of cybersecurity: Claude Mythos. What initially appears to be just another technological leap is actually quite significant – because, for the first time, it becomes clear how AI not only identifies vulnerabilities but can also potentially turn them into attacks of its own accord. For banks and financial services providers, this creates an immediate need for action. In this article, we analyse this development for you and show how you can set the right course today for greater security and resilience.