“Banking Digitalization : Europe vs United States, witch strategies are winning ?”

Published on 2025/04/11 16:28

📣 “Digitalization is deeply transforming the banking sector across the globe, but the approaches are different between Europe and the United States.”

In this article, Luc-Sorel OM analyzes the different strategies and approaches of two major regions: Europe and the United States.

The article explores how both regions are responding to the digital transformation of the banking sector in a context of rapidly evolving customer expectations and growing competition from fintechs. Even if they present some common strategies, others differ and are adapted to the specific characteristics of each region.

The analysis is built around three key points, illustrated by impactful examples that highlight the contrasts between the two areas:

👉 The 3 pillars of banking digital transformation: Focus on the three major tech trends — the 3 Bs (Biometrics, Blockchain, and AI Bots).

👉 Europe vs. the United States: strategies adapted to contexts: Zoom on Europe’s innovation-driven approach, versus the simplification-focused strategy observed in the U.S.

👉 Shared challenges: regulation, cybersecurity, and talent: Highlight of the different constraints and opportunities both regions face.

“Banking digitalization is a constantly evolving endeavor.”

Which strategy seems most aligned with today’s banking challenges? Which one is truly winning?

Find the answer, and much more, in Luc-Sorel OM’s article, featured in the Year Ahead 2025!