Imagine this: You buy a car in 2035. While you are still test driving it, AI is already analyzing your credit rating, creating a customized financing offer, and automatically opening a temporary account. Once the contract is signed, a smart contract processes the payment—and deletes the account again. As a customer, you never consciously interacted with a bank.
This – deliberately somewhat exaggerated – vision of “invisible banking” shows where the journey could lead. Financial services are seamlessly integrated into mobility, housing, and consumer platforms. Wallet-based systems manage the entire digital identity and adapt to individual needs in real time. Traditional banking is undergoing a transformation. However, while standard transactions are becoming invisible, more complex services such as asset management above a certain size remain visible to customers. Although digitalization and automation dominate these processes as well, conscious exchange between the bank and the customer still remains.
