Paris (ots/PRNewswire) –
- Sopra Steria presents the latest edition of the Digital Banking Experience Report (DBX)
- The report underlines financial well -being as a business necessity for the banking sector
- With sound specialist knowledge in the areas of payment transactions, AI, cyber security and open finance, Sopra Steria confirms his position as a trustworthy partner for banks and insurance companies
Sopra Steria, an important player in the European technology sector, has published 2025 of the Digital Banking Experience Report (DBX). It illuminates how financial well -being developed into a decisive distinction feature in the banking industry. In times of economic uncertainty, banks are increasingly offering their customers digital tools and services that increase financial security, strengthen trust and promote long -term binding.
The report examines five critical areas that shape the financial sector: payments, cryptocurrencies, generative AI, data protection and privacy as well as sustainability. The report emphasizes that the digital transformation continues to accelerate, but only indicate 7 % of the banks that their digital initiatives are easy. Old systems, cyber threats and complex regulations still represent hurdles that need to be overcome.
The six most important findings from the DBX 2025 Report
Financial well -being is a competitive advantage – More than half (52 %) of the banks expand their range of digital tools and services that are intended to help customers manage their finances better. Mature banks attach more importance to financial well -being and integrate technology -based solutions to improve customer loyalty.
Innovations in payment transactions change consumer habits – Digital payment transactions are increasing across Europe, with acceptance in Germany and Italy is 87 %. Banks prioritize investments in areas such as the modernization of the payment infrastructure through the use of cloud-native solutions (66 % have already done this, 32 % plan this) and the expansion of offers such as “Buy Now, Pay Later (BNPL)” and digital wallets. However, fraud and cyber security risks continue to provide concern, which leads to an increase in the budget for the containment of risks by more than 10 %.
Gena will redesign the banking system
AI becomes a core component of the banking system, and 47 % of consumers use generative AI tools weekly. Meanwhile, banks rely on Genai, but are careful. They believe that technology can have a major impact on areas such as risk management, customer knowledge and money laundering control, personalized experiences to a large scale and fraud management. As a result, 61 % expect you to increase your investments in new technologies by 10 % or more. However, there are serious concerns, including the question of how distortions avoided, compliance and security can be guaranteed and the risks of data protection violations and fraud can be minimized.
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