AI offers substantial benefits to society. Stephen Cecchetti, Robin Lumsdaine, Tuomas Peltonen and Antonio Sánchez Serrano discuss significant concerns regarding risks to the financial system and propose a mix of competition and consumer protection policies address these vulnerabilities
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AI is transforming finance faster than the authorities can adapt. Jon Danielsson argues that while AI enhances the financial system’s efficiency, it also poses new, poorly understood risks, and ineffective supervision will mean a higher risk of financial crisis
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Andrew Bailey reflects on the reforms made to the financial system since the 2008 financial crisis. He addresses the challenges these reforms face in an ever-changing world and says the regulatory system of the future must be constantly assessed and adapted as needed
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M&A in the UK financial sector is gaining momentum. Jose Erasun considers the critical role of data management in navigating challenges and transforming them into strategic advantages
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Juan Carlos Crisanto, Cris Benson Leuterio, Jermy Prenio and Jeffery Yong explore the potential impact of AI on the financial sector, focusing on operational efficiency, risk management and customer experience
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Global financial instability continues to be a major concern. Luigi Wewege explores offshore banking and how it has evolved for individuals and businesses as a forward-thinking strategy for financial security in 2025 and beyond
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Quantum computers may have a profound impact on the financial system. Raphael Auer, Angela Dupont, Leonardo Gambacorta, Joon Suk Park, Koji Takahashi, and Andras Valko explore the transformative potential to the financial system, including the potential benefits as well as the main risks
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Financial crises usually inflict the most damage when banks suddenly shift from pursuing profits to survival. Jon Danielsson argues that this can’t be regulated away
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Christopher Waller discusses the roles of centralized and decentralized finance, and whether they are substitutes or complementary to each other
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Policymakers’ responses to global events have laid bare the challenges and trade-offs inherent in addressing monetary policy and financial stability shocks. Andrew Bailey discusses what lessons can be learnt
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