Explore how composable banking helps European banks stay agile, resilient, and future-ready in the face of growing uncertainty.
In 2025 the financial services industry faces a convergence of pressures that few could have anticipated just a decade ago. Economic volatility, geopolitical fragmentation, rising regulatory scrutiny and fast-shifting customer expectations are colliding demanding a new kind of banking infrastructure.
For European financial institutions in particular the message is clear: to survive and thrive in uncertainty banks must become radically more agile, efficient and adaptable, all while navigating cost pressures and increasingly complex compliance landscapes.
According to a 2024 report by IBS Intelligence 55% of banks cite legacy core systems as the primary obstacle to digital transformation¹. These systems, often decades old, are rigid, expensive to maintain, and unable to support the speed or personalization today’s end users expect.
Meanwhile a study from McKinsey & Company found that up to 70% of banks’ IT budgets are still being spent on maintaining legacy infrastructure², leaving little room for innovation.
And yet the stakes for transformation are higher than ever.