Over the past decade, Europe’s financial services sector has experienced one of the most dynamic periods of change. The widespread adoption of digital banking, rapid technological innovation and a significant shift in consumer behaviour, has redefined how financial institutions operate and how individuals manage their money.
In this first report from CRIF’s two-part research series, we explore the key developments of the last 10 years through a dual lens: that of consumers across five major European markets, and of senior financial professionals serving those same regions. This combination of perspectives provides unique insight on an industry that has undergone massive change.
For example, advancements in areas like AI and mobile banking, and the rise of digital-first services have reshaped how consumers are managing their money.
