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The Journey Toward 2030: „Every bank and credit union is going to become a technology company.” – says CornerStone Advisors

6 august 2025

That’s why the future of America’s financial systems depends on smarter banks, says CornerStone Advisors in their latest report „The journey toward 2030: becoming a smarter bank„.

Banking is changing fast, and banks and credit unions that don’t adapt run the risk of being left behind. Traditional models—rigid hierarchies, sluggish processes, and reliance on legacy systems—are no match for today’s digital-first competitors.


Cornerstone Advisors has identified five key pillars—Hyper-Efficient, Data-Driven, Nimble, Differentiated, and Opportunistic—that are not just best practices; they are the blueprint for building smarter banks. These pillars address the biggest challenges banks and credit unions face today, offering a blueprint for the journey toward 2030.

The 5 Pillars of a Smarter Bank

Hyper-Efficient:  Groundbreaking efficiency will be the hallmark of the Smarter Bank, driven by a combination of digital self-service, process automation, and artificial intelligence.

Data-Driven: Smarter Banks will need to take inspiration from trailblazer organizations that know how to drive value by leveraging data to make better, faster, and more informed decisions.

Nimble: Forget annual planning cycles. Banks and credit unions that intend to survive in a technology-first era understand they are in a constant “release” environment and must continually balance structure with “getting stuff out the door fast.”

Differentiated: To compete with non-traditional banks, the Smarter Bank will need to shrug off plain vanilla “sameness” and forge distinct competitive positions and segmented brands.

Opportunistic: Whether it’s M&A, talent carve-outs, new market entries, or new lines of business, Smarter Banks will be the ones that know when to move and look for opportunities—particularly when the industry is inward-focused and risk-averse.

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In 23 septembrie 2019, BNR a anuntat infiintarea unui Fintech Innovation Hub pentru a sustine inovatia in domeniul serviciilor financiare si de plata. In acest sens, care credeti ca ar trebui sa fie urmatorul pas al bancii centrale?