1、A decade of transformation in financial servicesBanking on Banks 20252Banking on Banks 2025A decade of transformation in financial servicesForewordChapter TwoIntroductionChapter ThreeChapter OneChapter FourChapter FiveConclusionAbout CRIFby Sara Costantini,Regional Director for the UK and Ireland,CR

2、IFPage 3A decade of change Page 4An era of financial uncertainty Page 5Financial services in Europe growing or waning?Page 7The biggest financial changes for consumers and industry professionals Page 9Do financial professional and consumer viewpoints tally up?Page 11Sustainability and ethics at a cr

3、ossroads?Page 13Learning from the past Page 15Your journey to success begins with CRIF.Together to the next level.Page 163Banking on Banks 2025A decade of transformation in financial servicesOver the past decade,Europes financial services sector has experienced one of the most dynamic periods of cha

4、nge.The widespread adoption of digital banking,rapid technological innovation and a significant shift in consumer behavior,has redefined how financial institutions operate and how individuals manage their money.Yet this transformation has not occurred in isolation.From the aftershocks of financial c

5、rises to the far-reaching effects of a global pandemic,these pressures have resulted in greater and longer-lasting financial insecurity for many across the continent and influenced attitudes toward savings,credit,and financial management.At the same time,technological progress driven by artificial i

6、ntelligence(AI),automation,and the rise of always-on services has unlocked new ways for consumers to engage with their finances,while also raising important questions about service quality,accessibility,and values.In this first report from CRIFs two-part research series,we explore the key developmen