Digitisation

Digitisation and technology are changing the financial sector in fundamental ways, creating new opportunities for banks and their clients.

An ever-growing range of financial products are now available digitally. However, the German and European financial sectors need more freedoms in order to continue to innovate successfully. Overly restrictive legislation cannot be allowed to prevent banks and fintechs from utilising new technologies such as artificial intelligence or tokenisation.

Current articles

Position paper

21st of May 2026

Next Generation Money

Use cases and potential of tokenised money

Tokenised money is becoming a key component of digital financial and the economic systems of the future. It allows payments to be integrated directly into digital processes, transactions to be processed automatically and new forms of economic interaction to be established. This goes beyond the functions of traditional forms of money and unlocks new potential for benefits and value creation.

Position paper

19th of January 2026

Quantum Computing in the Financial Sector

Revolutionary approaches and future perspectives under the EU Quantum Act

Quantum computing is regarded as a potentially groundbreaking technology whose concrete impact on the financial industry is not yet fully foreseeable.

Article

19th of December 2025

The digital euro is not an answer to U.S. stablecoins

Alongside fears of negative geopolitical implications, risks to financial stability have also come into focus. Although Meta’s project was never implemented, a dynamically growing stablecoin market has emerged.

Position paper

27th of November 2025

Stablecoins and other types of tokenised private sector Money

The Association of German Banks has published this discussion paper to contribute to this important debate and highlight specific plans of action.

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