Using digital assets easily and securely:
New technologies can be used to make investments in assets such as real estate digitally. Ownership of property in the real world takes the form of digital shares (or tokens) in a blockchain or in a database. This enables digital assets to be stored and transferred easily and securely.  

New approaches to future planning:
The uncertainties in retirement planning and healthcare, which stem from demographic change, require new approaches. What’s needed is new models and approaches for the future adapted to future circumstances and requirements.

Sustainable products and services in banking:
Sustainability is increasingly important in today’s society, whether in retail or financial investment. As we transition from a consumer culture to a sustainable one, impact banking delivers on the aspiration to be more conscientious about the way we live. Banks can live up to these expectations with green, sustainable services and responsible investments, and have a positive impact. 

Open banking platforms and payments using smart objects:
The development area “Payment Ecosystem” consists of two developments that promise significant added value for banking customers: third-party services are connected to open banking platforms and multi-banking solutions for maximum transparency, and maximum availability of products and services. With smart objects, which transfer data independently via the Internet of things (IoT), payments are made automatically – in real time and in small amounts.

Innovation through data competence:
In the transition from a monetary to a data economy, data is a major source of growth and innovation. By aggregating, analysing and processing data, we can gain major insights to help us create new products and services.