Susana Ferreira, CEO and CTO of Santander Portugal, emphasizes that cybersecurity and information assurance are imperative in the midst of developing cyber dangers and administrative necessities. She highlights generative AI as one of the most transformative innovations and predicts that digital currencies could reshape banks' role in financial intermediation.
At Santander Portugal, digital customers already make up 66% of the dynamic client base. By the end of 2024, advanced clients had expanded by 7%, whereas daily accesses developed by 15%. Self-banking stores make up 87% of the total, reflecting the bank's effective self-service activities, and 900,000 clients are utilizing computerized installments.
Santander has been modernizing its legacy technology infrastructure, including new software improvement strategies and cloud movement. Joining legacy systems with advanced stages may be a challenge that requires guaranteeing security, accessibility, and personalization.
AI and automation are changing Santander's operations, from chatbots and extortion location to process automation and personalized keeping money offers. The bank is additionally adjusting its tech to comply with directions like DORA and Basel Accords, ensuring strong, secure frameworks and real-time observing.
Looking to long run, Ferreira sees generative AI, blockchain for digital monetary forms, and quantum computing as key innovations with noteworthy potential in managing an account. The most cybersecurity challenge is managing computerized extortion and advanced assaults, whereas banks look for tech profiles such as security investigators, cloud engineers, AI specialists, and agile specialists.
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