Banking diversity and digitalisation: how should banking models and supervisory frameworks evolve?

Objectives Europe's banking sector combines a wide diversity of business models that contribute to financial stability, competition and the financing of the real economy, but preserving this diversity is becoming more challenging as supervisory frameworks, digital transformation and scale requirements evolve. The session will first examine how EU and national supervisory frameworks can better reflect … Continued

Objectives This session will examine how the MISP post-trading measures, the proposed 28th regime and key market developments, including T+1 settlement and other evolving trading and settlement models, are expected to affect the structure, efficiency and integration of European post-trading activities, and the conditions and further actions needed to maximise their benefits. Points of discussion … Continued

Objectives As Basel III enters its final implementation phase, growing differences in prudential frameworks across major jurisdictions are raising questions about the future of global regulatory convergence and their implications for the competitiveness of European banks and their capacity to finance the European economy. The first objective of the session is to assess whether the … Continued

Objectives The session will assess how insurers can best leverage their position in the EU economy and contribute to the success of the SIU. The panel will discuss whether the revised Solvency II framework goes far enough to unlock long-term, equity and private-market investment and what further adjustments would help; the success factors for bridging … Continued

Objectives This session will examine how retail investment models are evolving in Europe and internationally, driven by technology and new access, investment and trading models, and what these developments mean for retail investment and its regulation and supervision. Points of discussion Ongoing evolutions of retail investment models How are retail investment models evolving in Europe … Continued

Objectives With barely fifteen months to the end-2027 deadline, this round table treats 2027 not as a point of reckoning but as the decisive window in which the foundations now in place are finally converted into results for users. It will take stock of progress across segments and regions and ask how the final push … Continued

Objectives This session will assess the use, value and transformation potential of agentic AI in financial services, the specific risks and governance challenges it may raise, and the regulatory, supervisory and operational responses needed to support its safe deployment. Points of discussion Agentic AI use cases, opportunities and challenges in financial services Where is agentic … Continued

Objectives As public debt reaches historic levels across advanced economies and borrowing conditions become less favourable, the key challenge is to understand why similar debt ratios can entail very different levels of vulnerability and what could trigger a shift from market tolerance to abrupt sovereign repricing. The session will first examine the factors that determine … Continued

Objectives This session will assess the pace and scale of digital transformation in the EU financial sector, the main drivers and obstacles to further digitalisation, whether the EU policy, regulatory and supervisory framework is fit for purpose, and what further actions may be needed to support the scaling of digital finance and address critical technology … Continued