The financial services industry is on the brink of an exciting transformation. As we close the chapter on 2024 and dive into 2025, get ready for a year of bold innovation, green initiatives and game-changing customer solutions that will redefine how we bank, invest and grow wealth.
Banking: Your Financial Co-Pilot
In 2025, banking will feel like having a savvy, tech-smart partner by your side:
PROMOTED
- AI-Powered Personalization: Get exactly what you need, when you need it, with predictive insights.
- Omnichannel Awesomeness: Whether it’s via your laptop or smartwatch, your banking experience will follow seamlessly.
- Embedded Finance: Quick and easy financial tools will be built right into your favorite platforms.
- Proactive Monitoring: A financial guide will help keep your money on the right track.
Insurance: Smarter Protection For A Safer Future
Insurance is leveling up with intelligence, fairness and sustainability:
- Personalized Premiums: This may include rewards for things like safe driving or healthy living, tailored just for you.
- Dynamic Pricing: Real-time tweaks make sure you’re always getting a fair deal.
- Climate-Conscious Coverage: More insurance plans will be designed to protect and promote a greener tomorrow.
- Usage-Based Options: Pay only for what you use—no fluff, just value.
Wealth Management: Empowering Every Investor
Investing in 2025 is about accessibility and personalization:
- Democratized Platforms: Open the door for all—start small, think big.
- Artificial Intelligence (AI)-Powered Portfolios: Let algorithms optimize your returns while you focus on what matters.
- Sustainable Investing: Align your money with your values for impact-driven growth.
- Hyper-Personalized Advice: Your financial journey, your way, with expert support.
Corporate Banking: Turbocharging Business Success
Businesses in 2025 will thrive with cutting-edge solutions:
- Integrated Ecosystems: Integration offers smooth financial workflows that power efficient operations.
- Real-Time Payments: Global transactions will be fast, secure and hassle-free.
- Predictive Analytics: These will help you anticipate funding needs before they arise.
Powering The Transformation
The driving forces behind this evolution:
- AI and Automation: These will help bring speed, intelligence and personalization to every interaction.
- Generative AI: This tool can be used to craft creative, intuitive financial experiences.
- Sustainability: Green values will be integrated into every aspect of finance.
Raising The Bar On Experience And Trust
2025 will be all about creating meaningful customer connections:
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- Tailored Journeys: Experiences will feel like they were designed just for you.
- Upskilled Professionals: An upskilled workforce will be equipped to lead in this era of change.
- Rock-Solid Security: Innovation will have safety at its core.
What This Means For Those In Finance
Now is the time to reflect and act to stay ahead in this transformative era.
1. Audit your applications, infrastructure and tools.
Are your current tools keeping up with the demands of a rapidly evolving market? If not, it may be time to upgrade to platforms that offer real-time insights, automation and user-friendly interfaces.
2. Embrace new technologies.
Start exploring innovative solutions like AI-driven insights and predictive analytics. Don’t wait to adopt tools that can optimize your financial decisions, give you a competitive edge and complement human potential.
3. Upskill for the future.
Focus on building digital literacy, understanding emerging technologies and staying ahead of trends. Whether you’re a professional or a consumer, continuous learning will be your greatest asset.
4. Think green.
Sustainability isn’t just a buzzword—it’s a strategy. Evaluate how green finance can play a role in your investments, lending practices or business operations. Prioritize choices that align with a sustainable future.
5. Get personal.
Take advantage of the shift toward hyper-personalization. Whether it’s customized investment advice, tailored insurance policies or banking tools built around your customer’s lifestyle, lean into solutions that make your customer’s financial journey smoother and more aligned with their goals.
This is more than just keeping up; it’s about leading the charge. By taking proactive steps now, you’ll position yourself—and your business—for success in the bold, innovative and sustainable world of 2025 financial services.
The information provided here is not investment, tax or financial advice. You should consult with a licensed professional for advice concerning your specific situation.
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Monica Hovsepian is the Global Financial Services Lead at OpenText. Read Monica Hovsepian’s full executive profile here.
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Taking The Practical Steps To AI Deployment
Brand Contributor
andStephen Brown,
Brand Contributor.
for Deloitte
BRANDVOICE | Paid Program
May 15, 2025, 09:19am EDTShareSave
Nearly 80% of companies are expecting to increase their overall AI spending in the next fiscal year, with Generative AI (GenAI) expanding its share of overall AI budgets, according to the latest Deloitte US State of Generative AI in the Enterprise survey of C-suite executives. That number is a testament to how clearly organizations see the value of AI and GenAI and understand its benefits.
From enhanced decision-making with advanced AI analytics to improved operational efficiency through AI-driven automation and optimization, these exciting technologies offer the potential to take businesses to new levels of productivity and efficiency. Leveraging AI can even bring faster innovation by improving or developing new products and services as well as drawing on data to drive business insights.
For nearly three-quarters of survey respondents, value from AI and GenAI is being achieved, with their most advanced initiatives meeting or exceeding ROI expectations. Furthermore, businesses have been improving their level of preparedness in the critical area of technology infrastructure, according to the survey, in anticipation of scaling their GenAI initiatives.
To keep momentum going, it’s important for organizations to understand the practical steps they will need to take to accelerate the deployment of AI and GenAI across the enterprise. By ensuring that their infrastructure preparedness extends to computational capacity and data, organizations can lay the foundation for business innovation and the opportunities it can bring.
Laying the foundation
To scale GenAI—and get the most value—the investment in infrastructure and necessary computing power will likely be critical. In fact, building, configuring, and managing scalable, robust infrastructure is one of the best ways to achieve a return on investment. Upgrading architectures can support the tremendous speed, scale, and agility needed for modern AI applications—with workflows that often need to juggle billions, even trillions of parameters to train models.
To get AI projects off the ground, organizations should thoroughly assess what graphics processing unit infrastructure—the specialized processors that handle visual and mathematical calculations—may be needed to support AI models and how to tailor it for AI workloads. One option is working with a third-party cloud platform provider that can supply the infrastructure resources needed without the upfront investment.
Optimal utilization of computational resources can also be critical to helping ensure AI workloads are processed swiftly and cost-effectively. With some AI models using 100 times more computer power than just a few years ago, tech companies are starting to optimize large language models (LLMs) for more efficient use of power and data. With scalable and reliable cloud resources, optimized resource management, and high-performance data storage, businesses can see an acceleration of AI workload performance and data retrieval times.
When it comes to data, organizations should also enhance and evolve their ability to identify and leverage AI-ready data as well as their data-handling practices. That is, how they use internal data to train accurate and effective AI models. Organizations may even want to investigate if third-party data will be needed to achieve their AI goals. These efforts should include data security, auditability, and governance—all essential for enterprise AI deployments. Some government entities and enterprises are also increasingly pushing for Sovereign AI—to mitigate risks related to surveillance, cyber threats, and dependence on non-domestic technologies—via increased investment in developing local AI models, building national AI infrastructure, and funding ethical AI initiatives.
Key considerations to scale
To achieve the agility, performance, and speed needed for long-term AI success, organizations should also consider the following even wider-ranging factors:
- Compute: As noted above, GPUs are designed to process multiple computations simultaneously and can be clustered for massive scale. Some organizations are looking at ways to optimize utilization given the fact GPUs can be underutilized during peak times.
- Networking: AI workloads must be robust to transfer large datasets and to connect compute resources efficiently. This is important to diminish latency that may be magnified by the scale of AI computations and data.
- AI data & storage platform: An AI data & storage platform combines AI specialized physical storage with a software platform that drives AI performance scaled to support the velocity, volume, and variety of data that GenAI processes are relying on.
- Skill sets: Organizations should look to upskill employees and hire talent with key skills to gain competitive advantage.
- Total cost of ownership: The cost of a fully scaled AI infrastructure is significant, varies greatly between archetypes (e.g., public cloud, on premises, private cloud providers), and is evolving rapidly. Another possibility, and perhaps the most effective, is a hybrid AI infrastructure—that is, different archetypes combined for both technical and cost performance.
The AI revolution is here
AI and GenAI are here to stay—and organizations should evaluate their infrastructure preparedness to best capitalize on these fast-moving technologies. Whether it’s building computing capacity or upskilling staff, organizations that clearly understand what it takes to effectively support and scale AI will be in a much stronger position as they continue on their AI journey.
To learn more about AI infrastructure readiness and how Deloitte is providing comprehensive solutions, visit the Silicon 2 Service AI Factory pages on Deloitte.comCategoriesfinanceTagsfuture of finance, insurance
