{"id":120246,"date":"2025-07-11T14:00:54","date_gmt":"2025-07-11T18:00:54","guid":{"rendered":"https:\/\/professional.content.cirrus.bloomberg.com\/professional2023\/insights\/financial-services\/what-will-the-next-wave-of-digital-banking-look-like\/"},"modified":"2025-07-11T14:00:54","modified_gmt":"2025-07-11T18:00:54","slug":"what-will-the-next-wave-of-digital-banking-look-like","status":"publish","type":[3768],"link":"https:\/\/professional.content.cirrus.bloomberg.com\/professional2023\/insights\/financial-services\/what-will-the-next-wave-of-digital-banking-look-like\/","title":{"rendered":"What will the next wave of digital banking look like?"},"content":{"rendered":"<div  class=\"bbg-row-container\">\n\t<style>section[data-anchor=row-69d780d81f5f4]::before {\n\t\t\t\tbackground-color: #eeeeee;\n\t\t\t}<\/style>\t<section\n\tclass='bbg-row bg--custom-color  bg--eeeeee text--black bbg-row--full-bg-bleed' data-anchor='row-69d780d81f5f4'\t>\n\t\t\t\t<div class=\"\n\t\tbbg-row--content\t\t\"\n>\n\t\t\t\t\t\t<p><div\n    class=\"bbg-column bbg-column--width-2\"\n    style=\"\"\n    >\n    \n<\/div><div\n    class=\"bbg-column bbg-column--width-8 bbg-column--valign-bottom\"\n    style=\"\"\n    >\n    <p>    <ul class=\"bbg-categories_list\">\n                    <li>\n                <a href=\"https:\/\/professional.content.cirrus.bloomberg.com\/professional2023\/insights\/category\/artificial-intelligence\/\" rel=\"category tag\">\n                    Artificial Intelligence\n                <\/a>\n            <\/li>\n                    <li>\n                <a href=\"https:\/\/professional.content.cirrus.bloomberg.com\/professional2023\/insights\/category\/financial-services\/\" rel=\"category tag\">\n                    Financial Services\n                <\/a>\n            <\/li>\n                    <li>\n                <a href=\"https:\/\/professional.content.cirrus.bloomberg.com\/professional2023\/insights\/category\/markets\/\" rel=\"category tag\">\n                    Markets\n                <\/a>\n            <\/li>\n                    <li>\n                <a href=\"https:\/\/professional.content.cirrus.bloomberg.com\/professional2023\/insights\/category\/technology\/\" rel=\"category tag\">\n                    Technology\n                <\/a>\n            <\/li>\n            <\/ul>\n<div\n    class=\"bbg-spacer\"\n        style=\"height: 24px !important\"\n    >\n<\/div>    <h1 class=\"bbg-metadata bbg-metadata--title\">What will the next wave of digital banking look like?<\/h1>\n<\/p>\n\n<\/div>\n\t\t\t\n\t\t<\/div>\n\t<\/section>\n<\/div>\n<div  class=\"bbg-row-container\">\n\t<section\n\tclass='bbg-row  text--black row-padding--top-compact row-padding--bottom-none bbg-row--full-bg-bleed' data-anchor='row-69d780d825560'\t>\n\t\t\t\t<div class=\"\n\t\tbbg-row--content\t\t\"\n>\n\t\t\t\t\t\t<p><div\n    class=\"bbg-column bbg-column--width-2\"\n    style=\"\"\n    >\n    \n<\/div><div\n    class=\"bbg-column bbg-column--width-8\"\n    style=\"\"\n    >\n    <p><div\n    class=\"bbg-spacer\"\n        style=\"height: 40px !important\"\n    >\n<\/div>\t\t\t<div\n\t\t\tclass='bb-wysiwyg ' style=''>\n\t\t\t<p><strong>Bloomberg Professional Services<\/strong><\/p>\n\t\t\t<\/div>\n\n\t\t\t    <p class=\"bbg-metadata bbg-metadata--date\">July 11, 2025<\/p>\n<\/p>\n\n<\/div>\n\t\t\t\n\t\t<\/div>\n\t<\/section>\n<\/div>\n<div  class=\"bbg-row-container\">\n\t<section\n\tclass='bbg-row  text--black row-padding--top-none row-padding--bottom-none bbg-row--full-bg-bleed' data-anchor='row-69d780d8279e8'\t>\n\t\t\t\t<div class=\"\n\t\tbbg-row--content\t\t\"\n>\n\t\t\t\t\t\t<p><div\n    class=\"bbg-column bbg-column--width-2\"\n    style=\"\"\n    >\n    \n<\/div><div\n    class=\"bbg-column bbg-column--width-8\"\n    style=\"\"\n    >\n    <p>\t\t\t<div\n\t\t\tclass='bb-wysiwyg ' style=''>\n\t\t\t<p><span class=\"TextRun SCXW51428157 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW51428157 BCX0\">What is the latest in<\/span> <span class=\"NormalTextRun SCXW51428157 BCX0\">the <\/span><span class=\"NormalTextRun SCXW51428157 BCX0\">digital transformation of banks?<\/span> <span class=\"NormalTextRun SCXW51428157 BCX0\">How is AI influencing how banks work now, and how might it redefine the industry going forward?<\/span><\/span><span class=\"EOP SCXW51428157 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t<div\n\t\t\tclass='bb-wysiwyg ' style=''>\n\t\t\t<p><span class=\"TextRun SCXW174075922 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW174075922 BCX0\">At Bloomberg\u2019s 2025 Sell-Side Leaders Forum in London, <\/span><\/span><strong><span class=\"TextRun SCXW174075922 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW174075922 BCX0\">Ron van <\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW174075922 BCX0\">Kemenade<\/span><\/span><\/strong><span class=\"TextRun SCXW174075922 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW174075922 BCX0\">, Group COO at Lloyds Banking Group, sat down with Bloomberg Originals\u2019 <\/span><\/span><strong><span class=\"TextRun SCXW174075922 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW174075922 BCX0\">Nate Lanxon<\/span><\/span><\/strong><span class=\"TextRun SCXW174075922 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW174075922 BCX0\"> to discuss how <\/span><span class=\"NormalTextRun SCXW174075922 BCX0\">Lloyds <\/span><span class=\"NormalTextRun SCXW174075922 BCX0\">is <\/span><span class=\"NormalTextRun SCXW174075922 BCX0\">tackling generative AI, re-architecting its operating model, and upskilling leaders in an era of exponential technological change.<\/span><\/span><span class=\"EOP SCXW174075922 BCX0\" data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n\t\t\t<\/div>\n\n\t\t\t<style>#bloomberg-video-69d780d834e84 .bloomberg-video__wrapper { background-image: url(https:\/\/assets.bbhub.io\/image\/v1\/resize?width=auto&type=webp&url=https:\/\/assets.bbhub.io\/professional\/sites\/41\/925842_SS_OVW_Sell-Side-Forum-London_PLASMA_FNL-100x60.png); }@media (min-width: 100px) { #bloomberg-video-69d780d834e84 .bloomberg-video__wrapper { background-image: url(https:\/\/assets.bbhub.io\/image\/v1\/resize?width=auto&type=webp&url=https:\/\/assets.bbhub.io\/professional\/sites\/41\/925842_SS_OVW_Sell-Side-Forum-London_PLASMA_FNL-552x311.png); } }@media (min-width: 552px) { #bloomberg-video-69d780d834e84 .bloomberg-video__wrapper { background-image: url(https:\/\/assets.bbhub.io\/image\/v1\/resize?width=auto&type=webp&url=https:\/\/assets.bbhub.io\/professional\/sites\/41\/925842_SS_OVW_Sell-Side-Forum-London_PLASMA_FNL-768x432.png); } }@media (min-width: 768px) { #bloomberg-video-69d780d834e84 .bloomberg-video__wrapper { background-image: url(https:\/\/assets.bbhub.io\/image\/v1\/resize?width=auto&type=webp&url=https:\/\/assets.bbhub.io\/professional\/sites\/41\/925842_SS_OVW_Sell-Side-Forum-London_PLASMA_FNL-800x450.png); } }<\/style><div class='bloomberg-video' data-aspect-ratio='16:9' data-service='vimeo-video' id='bloomberg-video-69d780d834e84'><div class='bloomberg-video__wrapper bloomberg-video__wrapper--core'>\t\t\t\t<a\n\t\t\t\t\tclass=\"bloomberg-video__link\"\n\t\t\t\t\thref=\"https:\/\/vimeo.com\/1098516346\"\n\t\t\t\t\ttarget=\"_blank\"\n\t\t\t\t\trel=\"noopener\"\n\t\t\t\t\ttitle=\"\"\n\t\t\t\t\tdata-video-id=\"1098516346\"\n\t\t\t\t\tdata-orientation=\"Horizontal\"\n\t\t\t\t\tdata-video-loop=\"0\"\n\t\t\t\t\tdata-video-title=\"Digital Transformation in 2025_Delivery_250703\"\n\t\t\t\t\taria-label=\"Play Video\"\n\t\t\t\t><\/a>\n\t\t\t\t<\/div><\/div><div\n    class=\"bbg-spacer bbg-spacer--md\"\n    >\n<\/div>\t\t\t<div\n\t\t\tclass='bb-wysiwyg ' style=''>\n\t\t\t<h2><span class=\"TextRun SCXW77705474 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW77705474 BCX0\">In focus<\/span><\/span><span class=\"EOP SCXW77705474 BCX0\" data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/h2>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t<div\n\t\t\tclass='bb-wysiwyg ' style=''>\n\t\t\t<p><span class=\"TextRun SCXW232693543 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW232693543 BCX0\">Featured insights from the discussion panel:<\/span><\/span><span class=\"EOP SCXW232693543 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><strong><span class=\"TextRun SCXW12304471 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW12304471 BCX0\">On AI adoption in banking<\/span><\/span><\/strong><\/p>\n<p><span class=\"TextRun SCXW4056416 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><strong><span class=\"NormalTextRun SCXW4056416 BCX0\">Ron van <\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW4056416 BCX0\">Kemenade<\/span><\/strong><span class=\"NormalTextRun SCXW4056416 BCX0\"><strong>:<\/strong> I <span class=\"NormalTextRun SCXW182230695 BCX0\">think <\/span><span class=\"NormalTextRun SCXW182230695 BCX0\">we&#8217;re<\/span><span class=\"NormalTextRun SCXW182230695 BCX0\"> at the stage where everybody has <\/span><span class=\"NormalTextRun SCXW182230695 BCX0\">changed<\/span><span class=\"NormalTextRun SCXW182230695 BCX0\"> their mindsets. There is nobody that I know of who says, <\/span><span class=\"NormalTextRun SCXW182230695 BCX0\">\u201c<\/span><span class=\"NormalTextRun SCXW182230695 BCX0\">L<\/span><span class=\"NormalTextRun SCXW182230695 BCX0\">et&#8217;s not invest in generative AI or agentic AI for that matter.<\/span><span class=\"NormalTextRun SCXW182230695 BCX0\">\u201d<\/span> <span class=\"NormalTextRun SCXW182230695 BCX0\">I think everybody<\/span><span class=\"NormalTextRun SCXW182230695 BCX0\"> is scrambling to <\/span><span class=\"NormalTextRun SCXW182230695 BCX0\">identify<\/span><span class=\"NormalTextRun SCXW182230695 BCX0\"> the use cases. Interestingly&#8230; many of the use cases now being proposed for generative AI are <\/span><span class=\"NormalTextRun AdvancedProofingIssueV2Themed SCXW182230695 BCX0\">actually solved<\/span><span class=\"NormalTextRun SCXW182230695 BCX0\"> by simple robotic process automation; people are waking up to the idea<\/span><span class=\"NormalTextRun SCXW182230695 BCX0\">&#8230; [that <\/span><span class=\"NormalTextRun SCXW182230695 BCX0\">they]<\/span><span class=\"NormalTextRun SCXW182230695 BCX0\"> should automate<\/span><span class=\"NormalTextRun SCXW182230695 BCX0\"> processes, which <\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW182230695 BCX0\">has<\/span><span class=\"NormalTextRun SCXW182230695 BCX0\"> nothing to do with generative AI.<\/span><\/span><\/span><\/p>\n<p><span class=\"TextRun SCXW9741010 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW9741010 BCX0\">At <\/span><span class=\"NormalTextRun SCXW9741010 BCX0\">Lloyd&#8217;s<\/span><span class=\"NormalTextRun SCXW9741010 BCX0\"> Bank<\/span><span class=\"NormalTextRun SCXW9741010 BCX0\">&#8230; w<\/span><span class=\"NormalTextRun SCXW9741010 BCX0\">e have 30 use cases in production, so<\/span><span class=\"NormalTextRun SCXW9741010 BCX0\"> [beyond]<\/span><span class=\"NormalTextRun SCXW9741010 BCX0\"> a proof of concept or a pilot, and before the end of the year<\/span><span class=\"NormalTextRun SCXW9741010 BCX0\">,<\/span> <span class=\"NormalTextRun SCXW9741010 BCX0\">we&#8217;ll<\/span><span class=\"NormalTextRun SCXW9741010 BCX0\"> have somewhere between 60 and 100.<\/span><span class=\"NormalTextRun SCXW9741010 BCX0\">..<\/span><\/span><span class=\"TextRun SCXW9741010 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW9741010 BCX0\"> [They include] preparing relationship managers with report<\/span><span class=\"NormalTextRun SCXW9741010 BCX0\">s<\/span><span class=\"NormalTextRun SCXW9741010 BCX0\">, creating credit <\/span><span class=\"NormalTextRun SCXW9741010 BCX0\">documents<\/span> <span class=\"NormalTextRun SCXW9741010 BCX0\">or<\/span> <span class=\"NormalTextRun SCXW9741010 BCX0\">generating<\/span><span class=\"NormalTextRun SCXW9741010 BCX0\"> credit documents from <\/span><span class=\"NormalTextRun SCXW9741010 BCX0\">basic information pro<\/span><span class=\"NormalTextRun SCXW9741010 BCX0\">vided by clients. <\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW9741010 BCX0\">[Also]<\/span><span class=\"NormalTextRun SCXW9741010 BCX0\"> in engineering <\/span><span class=\"NormalTextRun SCXW9741010 BCX0\">[<\/span><span class=\"NormalTextRun SCXW9741010 BCX0\">showing<\/span><span class=\"NormalTextRun SCXW9741010 BCX0\">]<\/span> <span class=\"NormalTextRun SCXW9741010 BCX0\">how to deal with coding <\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW9741010 BCX0\">challenges<\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW9741010 BCX0\">.<\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW9741010 BCX0\">..<\/span><span class=\"NormalTextRun SCXW9741010 BCX0\">*<\/span><\/span><span class=\"EOP SCXW9741010 BCX0\" data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"bbg-interstitial\" aria-label=\"interstitial\" tabindex=\"0\">\n\t<style>\n\t\t.bbg-interstitial #card_1.bbg-card_hasCta{\n\t\t\tbackground: url(https:\/\/assets.bbhub.io\/image\/v1\/resize?width=auto&amp;type=webp&amp;url=https:\/\/assets.bbhub.io\/professional\/sites\/41\/Interstitial_bg.png);\n\t\t\t\tbackground-repeat: no-repeat;\n\t\t\t\tbackground-position: center center;\n\t\t\t\tbackground-size: cover;\n\t\t\tpadding: 104px;\n\t\t\t\n\t\t\t\n\t\t}\n\t\t.bbg-interstitial #card_1.bbg-card_hasCta .bbg-card__content, .bbg-interstitial #card_1.bbg-card_hasCta .bbg-card__content p{\n\t\t\tcolor:white;\n\t\t}\n\t\t@media (max-width: 768px) {\n\t\t\t.bbg-interstitial #card_1.bbg-card_hasCta{\n\t\t\t\tpadding: 80px 32px;\n\t\t\t}\n\t\t}\n\t\t@media (max-width: 480px) {\n\t\t\t.bbg-interstitial #card_1.bbg-card_hasCta{\n\t\t\t\tpadding: 80px 18px;\n\t\t\t}\n\t\t}\n\t<\/style>\n\t<div class=\"wpb_content_element bbg-card  bbg-card-dark bbg-card_hasCta has_interstitial\" id=\"card_1\" data-card_type=\"no_image\">\n  \n  \n  <div class=\"bbg-card__innerwrapper\">\n    <div class=\"bbg-card__content\">\n      \n      \n                      <h3 class=\"bbg-card__title\">Redefining the Trading Desk Report <\/h3>\n      \n              <div class=\"bbg-card__wysiwyg bb-wysiwyg\"><p>Get the report today to uncover key insights shaping the sell-side and learn how to future proof your trading desk. <\/p>\n<\/div>\n          <\/div>\n\n          \n<div\n  id=\"cta_3106296746578803991\"\n  class=\"wpb_content_element bbg-cta icon icon-arrow\">\n  <style>\n    \n    \n    \n  <\/style>\n  <div\n    class=\"bbg-cta-link link-holder\"\n    data-links-type=\"cta-links\">\n    <p class=\"bbg-cta-p right\">\n      <a\n        class=\"bbg-cta-link link interstitial_cta\"\n        href=\"https:\/\/www.bloomberg.com\/professional\/insights\/financial-services\/redefining-the-trading-desk-sell-side-report\/\"\n        target=\"\"\n        rel=\"\"\n        data-section-name=\"\"\n                role=\"button\"\n        aria-label=\"Learn more\"\n        >\n                <\/a>\n    <\/p>\n  <\/div>\n<\/div>\n\n      <\/div>\n\n  <\/div>\n\n<\/div>\n<div\n    class=\"bbg-spacer bbg-spacer--md\"\n    >\n<\/div>\t\t\t<div\n\t\t\tclass='bb-wysiwyg ' style=''>\n\t\t\t<p><strong><span class=\"TextRun SCXW13727860 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW13727860 BCX0\">On banking legacy systems and AI<\/span><\/span><span class=\"EOP SCXW13727860 BCX0\" data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/strong><\/p>\n<p><strong><span class=\"TextRun SCXW165741010 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW165741010 BCX0\">RvK:<\/span><\/span><\/strong><span class=\"TextRun SCXW165741010 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW165741010 BCX0\"> <span class=\"TextRun SCXW191879547 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW191879547 BCX0\">I<\/span><span class=\"NormalTextRun SCXW191879547 BCX0\">\u2019<\/span><span class=\"NormalTextRun SCXW191879547 BCX0\">ve<\/span><span class=\"NormalTextRun SCXW191879547 BCX0\"> been around technology and banking too long to believe in silver bullets that will solve problems <\/span><span class=\"NormalTextRun SCXW191879547 BCX0\">we\u2019ve<\/span><span class=\"NormalTextRun SCXW191879547 BCX0\"> had for the past 20 years. <\/span><span class=\"NormalTextRun SCXW191879547 BCX0\">It\u2019s<\/span><span class=\"NormalTextRun SCXW191879547 BCX0\"> still a lot of work, a lot of sweat<\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW191879547 BCX0\">, a<\/span><span class=\"NormalTextRun SCXW191879547 BCX0\"> lot of patience. But <\/span><span class=\"NormalTextRun SCXW191879547 BCX0\">I\u2019ve<\/span><span class=\"NormalTextRun SCXW191879547 BCX0\"> seen good examples where generative AI has truly helped. <\/span><span class=\"NormalTextRun SCXW191879547 BCX0\">For example, one of the bigger problems with legacy code is that hardly any people fully understand all those millions of lines: what <\/span><span class=\"NormalTextRun SCXW191879547 BCX0\">do <\/span><span class=\"NormalTextRun SCXW191879547 BCX0\">they<\/span> <span class=\"NormalTextRun SCXW191879547 BCX0\">actually do<\/span><span class=\"NormalTextRun SCXW191879547 BCX0\">?<\/span><span class=\"NormalTextRun SCXW191879547 BCX0\"> [<\/span><span class=\"NormalTextRun SCXW191879547 BCX0\">Generative AI helps to] reverse engineering from your code base<\/span> <span class=\"NormalTextRun SCXW191879547 BCX0\">by saying<\/span><span class=\"NormalTextRun SCXW191879547 BCX0\">, what does the functionality <\/span><span class=\"NormalTextRun AdvancedProofingIssueV2Themed SCXW191879547 BCX0\">actually look<\/span><span class=\"NormalTextRun SCXW191879547 BCX0\"> like? What is the underlying assumed process? <\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW191879547 BCX0\">And<\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW191879547 BCX0\">,<\/span><span class=\"NormalTextRun SCXW191879547 BCX0\"> document <\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed GrammarErrorHighlight SCXW191879547 BCX0\">that so<\/span><span class=\"NormalTextRun SCXW191879547 BCX0\"> other people can<\/span> <span class=\"NormalTextRun SCXW191879547 BCX0\">start dealing with that legacy and translating <\/span><span class=\"NormalTextRun SCXW191879547 BCX0\">it<\/span><span class=\"NormalTextRun SCXW191879547 BCX0\"> into modern applications.<\/span> <\/span><span class=\"EOP SCXW191879547 BCX0\" data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/span><\/span><\/p>\n<p><strong><span class=\"TextRun SCXW17706233 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW17706233 BCX0\">On upskilling for AI transformation<\/span><\/span><span class=\"EOP SCXW17706233 BCX0\" data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/strong><\/p>\n<p><span class=\"TextRun SCXW2954717 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><strong><span class=\"NormalTextRun SpellingErrorV2Themed SCXW2954717 BCX0\">RvK<\/span><\/strong><span class=\"NormalTextRun SCXW2954717 BCX0\"><strong>:<\/strong> <\/span><\/span><span class=\"TextRun SCXW2954717 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW2954717 BCX0\">This is about the readiness of people to go through <\/span><span class=\"NormalTextRun SCXW2954717 BCX0\">AI transformation. <\/span><span class=\"NormalTextRun SCXW2954717 BCX0\">This is <\/span><span class=\"NormalTextRun SCXW2954717 BCX0\">definitely not<\/span><span class=\"NormalTextRun SCXW2954717 BCX0\"> just about <\/span><span class=\"NormalTextRun SCXW2954717 BCX0\">techies.<\/span> <span class=\"NormalTextRun SCXW2954717 BCX0\">T<\/span><span class=\"NormalTextRun SCXW2954717 BCX0\">his is about all of the people working for a financial institution and any other industry.<\/span> <span class=\"NormalTextRun AdvancedProofingIssueV2Themed SCXW2954717 BCX0\">A<\/span><span class=\"NormalTextRun AdvancedProofingIssueV2Themed SCXW2954717 BCX0\">ll of<\/span><span class=\"NormalTextRun SCXW2954717 BCX0\"> our senior leadership team, which is <\/span><span class=\"NormalTextRun SCXW2954717 BCX0\">roughly the<\/span><span class=\"NormalTextRun SCXW2954717 BCX0\"> top 300 of the <\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW2954717 BCX0\">bank<\/span><span class=\"NormalTextRun SCXW2954717 BCX0\">&#8230;<\/span><span class=\"NormalTextRun SCXW2954717 BCX0\">we <\/span><span class=\"NormalTextRun SCXW2954717 BCX0\">sent <\/span><span class=\"NormalTextRun SCXW2954717 BCX0\">them <\/span><span class=\"NormalTextRun SCXW2954717 BCX0\">\u201c<\/span><span class=\"NormalTextRun SCXW2954717 BCX0\">back to <\/span><span class=\"NormalTextRun SCXW2954717 BCX0\">school<\/span><span class=\"NormalTextRun SCXW2954717 BCX0\">\u201d<\/span><span class=\"NormalTextRun SCXW2954717 BCX0\">, in this case to <\/span><span class=\"NormalTextRun SCXW2954717 BCX0\">[the University of<\/span><span class=\"NormalTextRun SCXW2954717 BCX0\">]<\/span> <span class=\"NormalTextRun SCXW2954717 BCX0\">Cambridge<\/span><span class=\"NormalTextRun SCXW2954717 BCX0\">. <\/span><span class=\"NormalTextRun SCXW2954717 BCX0\">W<\/span><span class=\"NormalTextRun SCXW2954717 BCX0\">e set up <\/span><span class=\"NormalTextRun SCXW2954717 BCX0\">a <\/span><span class=\"NormalTextRun SCXW2954717 BCX0\">dedicated AI program <\/span><span class=\"NormalTextRun SCXW2954717 BCX0\">to retrain and <\/span><span class=\"NormalTextRun SCXW2954717 BCX0\">g<\/span><span class=\"NormalTextRun SCXW2954717 BCX0\">i<\/span><span class=\"NormalTextRun SCXW2954717 BCX0\">ve<\/span><span class=\"NormalTextRun SCXW2954717 BCX0\"> people the basic skills of what AI and in particular <\/span><span class=\"NormalTextRun SCXW2954717 BCX0\">generative AI is all about.<\/span><\/span><span class=\"EOP SCXW2954717 BCX0\" data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><em><span class=\"TextRun SCXW210870448 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW210870448 BCX0\">*Quotations have been <\/span><span class=\"NormalTextRun SCXW210870448 BCX0\">edited <\/span><span class=\"NormalTextRun SCXW210870448 BCX0\">for brevity and 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At Bloomberg\u2019s 2025 Sell-Side Leaders Forum, Lloyds\u2019 Ron van Kemenade discussed AI, operating model changes, and leadership upskilling.<\/p>\n","protected":false},"author":1935,"featured_media":40679,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"template-video.php","format":"standard","meta":{"_yoast_wpseo_primary_category":"457","footnotes":""},"categories":[3715,457,453,3661],"tags":[603,747,543],"series":[],"class_list":["post-120246","post","type-post","status-publish","format-standard","hentry","category-artificial-intelligence","category-financial-services","category-markets","category-technology","tag-ai-machine-learning","tag-sell-side","tag-technology","type-video"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What will the next wave of digital banking look like? | Insights | Bloomberg Professional Services<\/title>\n<meta name=\"description\" content=\"Can AI lead to a revolution in workforce productivity? 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