Banking innovation: What lies ahead

What should a 21st century local bank look like? Whatever the answer, digitalisation will no doubt play a big part. This week’s ESBG Retail Banking Conference seeks answers. 



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 14 March 2016



​​​​​​The following piece is a message from ESBG that appeared in today's Politico.eu Morning Exchange.


What lies ahead for innovation in banking and how will retail banks embrace it? As a bunch of new entrants carrying a lot less baggage enter the banking sphere — online banks, peer-to-peer lending and crowdfunding to name a few — locally focused banks need to adapt, and fast. Banks are increasingly harnessing a multi-channel approach, through traditional bank branches as well as via online and mobile. 

Retail bankers at this week’s ESBG Retail Banking Conference in Brussels will share how this is being done in Europe. Conference panels will look at the need for the right policy framework to enable retail banks to thrive in an increasingly competitive banking landscape affected by an interest rate policy that is putting the squeeze on bank profit margins. 

Conference attendees will look for answers inspired by the principle of proportionality — a tier-based approach to banking regulation. 

>> Learn more and sign up to attend

​Registration ends tomorrow.


Innovation; Proportionality; Regulation; Supervision; European Institutions; European Supervisory Authorities (EBA-ESMA); SME finance