This report explores how EMEA banks are evolving into autonomous, AI-first institutions embedded seamlessly into customers’ digital lives. It highlights five major trends: AI-powered operations, domain-driven legacy modernization, real-time embedded finance, programmable digital assets and hyper-personalization at scale. The document emphasizes regulatory pressure, including the EU AI Act and DORA, as a catalyst for modernization rather than a constraint. Through market examples, it shows how banks are using platform thinking and agentic AI to improve efficiency, trust and resilience. The report concludes that speed of execution will determine which banks remain relevant in the next era.

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