What’s Shaping the Future of Central Banks
From hyper-personalization to open banking ecosystems, the retail banking landscape is rapidly evolving. These trends highlight the shifts that are redefining customer expectations and competitive advantage.
Digital-First & Mobile-Led Banking
Customers now expect fully digital, frictionless banking experiences across mobile and web, reducing the role of physical branches.
65%
Hyper-Personalization Using AI & Data
Banks are leveraging AI and analytics to deliver tailored offers, smarter decisioning, and contextual engagement at scale.
3X
Rise of Open Banking & Embedded Finance
APIs are enabling new revenue streams—BNPL, account aggregation, loyalty, and cross-industry embedded services.
80%
Convergence of Banking + Wealth + Payments
Consumer banks are evolving into universal financial hubs, offering wealth, insurance, and payments as integrated digital journeys.
45%
Growth of Real-Time & Instant Payments
Instant UPI-style transactions are becoming the default expectation, forcing banks to modernize core payment infrastructure.
92%
Purpose-Driven & Inclusive Banking
Banks are broadening focus to underserved and new-to-bank segments through digital onboarding and lightweight product models.
92%
1B+
100%
24x7
10x
What’s Shaping the Future of Central Banks
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Emphasis on real-time payments, open banking, financial inclusion (e.g. rural banking, micro-finance), and digital outreach. India Brand Equity Foundation+1
Challenges faced by Central Banks
1
Rapid Technological Disruption & Digital Finance Evolution
- Growth of digital payments ecosystems
- Oversight of digital lending, AI credit models, and algorithmic finance
- Upgrading infrastructure for a real-time digital economy
Pain Point:
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2
Increasing Cybersecurity Threats & Critical Infrastructure Risks
- Targeted cyberattacks on payment and settlement systems
- Threats to real-time gross settlement (RTGS) platforms
- Data protection breaches
3
Financial Stability Risks Amid Global Uncertainty
- Stress in banking and non-banking sectors
- High household and corporate debt
- Shadow banking and unregulated credit
Our Comprehensive Solutions Suite for your Central Banks
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Accelerate Digital Transformation of National Financial Infrastructure
- Cloud-native, high-availability central banking core
- Modern microservices for settlement, clearing, and treasury operations
- Progressive modernization, avoiding risky “big-bang” transitions
Defend National Financial Infrastructure from Cyber Threats
- Zero-trust architecture with continuous authentication
- Multi-layer defense for payments, settlements, and digital currency operations
- Autonomous threat monitoring and incident response
Strengthen Financial Stability with Systemic Risk Intelligence
- Early warning systems for sectoral and institutional stress
- Stress-testing engines for capital adequacy and liquidity risk
- Automated regulatory data ingestion and validation
What’s Shaping the Future of Central Banks
Digital-First & Mobile-Led Banking
Intellect’s composable, cloud-native architecture is ideal for large-scale migration from legacy systems without disruption — enabling modular modernisation and scalable operations.
65%
3X
Intellect’s global footprint and proven track record across diverse banking environments mean strong support, reliability, and adaptability — vital when managing national-scale banking operations.
80%
Powering End-to-End Wholesale Banking Transformation
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