Banking Forum:

DIGITAL TRENDS 2026

How to adapt to the new NBU digital supervision model?

• Machine-readable regulations and regulatory APIs
• Automated reporting and compliance control
• Integration of RegTech solutions into internal policies
• Updated NBU requirements for digital services
• Automation of regulatory monitoring
• Data-driven compliance auditing
• AI-powered violation detection

Which threats shape the agenda for 2026?

• AI-driven threat detection and blocking
• Zero Trust for banking networks
• Modern protection of mobile apps and APIs
• Incident response in multi-cloud environments
• New NBU cyber resilience framework
• Dynamic machine-learning antifraud
• Practical cases of countering complex attacks

How to move from electronic to intelligent documents?

• Smart contracts with automated triggers
• Cloud storage with enhanced NBU compliance
• Full integration with Diia and government APIs
• Protection of e-documents under international standards
• Automated workflows for legal processes
• Machine-readable documents
• E-document management as part of automated business processes

What will remote service look like in 2026?

• Diia ID and next-generation biometrics
• B2B remote onboarding with automated checks
• Balancing UX and cybersecurity
• Protection of customers’ digital identity
• AI-powered document checks and behavioral risk modeling
• Online digital contracts
• Updated NBU requirements for Remote KYC

Which technologies enhance the productivity of banks and insurers?

• Hyperautomation: RPA + AI
• Intelligent chatbots operating as live agents
• Integration of CRM/ERP/BPM with payment platforms
• Automation of scoring, risk models, and AML/KYC
• AI-powered analytics for decision-making
• End-to-end digital lending and insurance settlement pipelines
• Personalized data-driven services

How do cloud infrastructures transform financial services?

• Cloud-native banking platforms
• Multi-cloud and hybrid ecosystems
• Containerization and auto-scaling
• Cloud archives for long-term data storage
• DRaaS ensuring continuity of critical financial services
• NBU cloud security requirements
• IaaS, SaaS, and DevOps-ready environments

How are instant payments and new payment formats evolving?

• QR 2.0, NFC scenarios, voice payments
• Modern payment APIs
• AI models for combating payment fraud
• Instant transfers in omnichannel ecosystems
• New features of mobile wallets
• PSD2-like standards for Ukraine
• Payments in super-apps

What does the customer journey look like in 2026?

• Super-apps with embedded financial services
• AI-powered personalization of every screen
• New models of omnichannel interaction
• UX standards for financial applications
• Real-time customer behavior analytics
• Instant microservice operations
• Secure mobile banking aligned with NBU requirements

How are APIs becoming the foundation of new financial products?

• Open Finance 2.0: unified industry API standards
• Next-generation analytical and payment APIs
• Partner fintech ecosystems
• Integration of banking data into mobile platforms
• Secure open data exchange
• Joint API-based product cases

How do financial companies apply intelligent technologies?

• Real-time analytics for decision-making
• AI models for risk, scoring, and antifraud
• AI-driven personalized offers
• Big Data for credit profile assessment
• Generative AI in document workflow and service
• Data analytics for customer acquisition and retention

What works in the era of super-apps?

• Personalized loyalty programs
• AI-driven customer retention
• Digital-format bancassurance
• New interaction channels (messengers, social platforms)
• Analysis of digital service and customer feedback
• Case: retaining customers amid ecosystem competition

How do technologies enhance control and reduce risks?

• Cloud-based monitoring solutions
• Analytical models for detecting suspicious transactions
• Intelligent AML systems
• Real-time risk assessment tools
• Integration with state platforms
• Data-driven compliance

How are new technologies transforming the insurance industry?

• Loss-prediction models: how AI improves risk assessment accuracy
• APIs for insurers: integration with banks, mobile apps, and ecosystems
• Digitalization of insurance services: online sales, automated payouts, digital policies
• Life insurance: personalized tariffs, real-time risk assessment, integration with health data