FinovateEurope 2025: The Pulse of Modern Commercial Banking
Finovate Europe 2025 provided a platform for exploring the latest trends and innovations shaping the future of fintech, with a strong emphasis on the transformative power of AI and the evolving regulatory landscape.
Over 30 fintech companies showcased big ideas in areas like Generative AI, tokenization, and mainframe modernization, while experts wrestled with compliance challenges and quantum computing’s future impact.
TreasurUp was represented by our innovative co-founders who shared their essential insights and takeaways:
Marien van Baren (TreasurUp’s Co-founder and CTO) spearheading solutions development and shared insights on bridging legacy systems and agile, cloud-based front ends for commercial banking.
Arjan de Bruijn (TreasurUp’s Co-founder and COO) leading our bank engagement efforts and weighing in on how banks can leverage AI-powered customer journeys and advanced risk management.
Below, we’ve gathered the top highlights shaping the industry and the key lessons banks shouldn’t ignore.
1) Generative AI Takes Center Stage
AI was everywhere, particularly Generative AI (GenAI). Demonstrations ranged from predictive analytics for customer onboarding to AI-based risk assessment.?
AI is no longer just about automating tasks; it’s fueling entirely new experiences for corporate clients. Banks that embrace GenAI ethically will stand out.
2) Tokenization is The Next Revolution in Value Transfer
Attendees zeroed in on how tokenizing assets can reshape everything from cross-border payments to digital ownership structures.?
For banks aiming to lead in commercial banking tokenization offers faster settlement times and enhanced transparency.
3) Mainframe Modernization for Core Banking Agility
Modernizing legacy infrastructure was another hot topic.?
Banks that successfully transform mainframes into agile, cloud-based services will drastically improve time-to-market and operational efficiency.
4) Real-Time Payments on the Rise
Payments took center stage, especially real-time payments. Philip Benton of Omdia explains the evolving landscape of real-time payments.?
This shift directly impacts how banks can serve their corporate clients with faster settlement, enhanced transparency, and more efficient reconciliation meaning a superior customer experience.
Whether through advanced rails or integrated platforms, real-time payments are rapidly becoming a baseline expectation.?
TreasurUp sees opportunities to tie real-time settlements into our FX Hedging and Cross-Border Payments solutions delivering frictionless end-to-end workflows for bank business clients.
5) Compliance & Risk Management Get Global
New regulations like DORA, FiDA, eIDAS, and DMA took the spotlight.?
Beyond Europe, banks in Asia prioritize rapid client acquisition even as they navigate local compliance standards.
The strong emphasis on compliance is a signal: that regulatory alignment is key to global expansion.
6) The Quantum Computing
Petr Dvorak from Wultra underscored the future implications of quantum computing.?
Banks and fintechs must prepare for “post-quantum cryptography” to safeguard authentication and transaction data.
The bottom line? Future-proof security is no longer optional.
Why This Matters?
At TreasurUp, we see these trends reinforcing our belief in a Bank-FinTech partnership model one that integrates advanced technologies into white-labeled front ends.?
For instance:
In short, FinovateEurope 2025 showed that banks able to unify cutting-edge innovation with user-focused design will deliver standout customer experiences and keep their competitive edge.
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Fintech Analyst | Thought Leader | Market Intelligence
2 周Thank you for the shoutout, excellent write-up of a great event!