{"id":867967,"date":"2024-10-14T07:53:10","date_gmt":"2024-10-14T07:53:10","guid":{"rendered":"https:\/\/www.capgemini.com\/de-de\/?post_type=research-and-insight&#038;p=867967"},"modified":"2026-01-22T07:46:10","modified_gmt":"2026-01-22T07:46:10","slug":"harnessing-digital-currencies","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/de-de\/insights\/research\/harnessing-digital-currencies\/","title":{"rendered":"Harnessing digital currencies"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-reusable header heroReusable  \"><div class=\"header-bgs\"><picture><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/09\/Harnessing-digital-currencies-hero_Banne_2880x1800.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/09\/Harnessing-digital-currencies-hero_Banne_2880x1800.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/09\/Harnessing-digital-currencies-hero_Banne_2880x1800.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/09\/Harnessing-digital-currencies-hero_Banne_2880x1800.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/09\/Harnessing-digital-currencies-hero_Banne_2880x1800.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/09\/Harnessing-digital-currencies-hero_Banne_2880x1800.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/09\/Harnessing-digital-currencies-hero_Banne_2880x1800.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/09\/Harnessing-digital-currencies-hero_Banne_2880x1800.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/09\/Harnessing-digital-currencies-hero_Banne_2880x1800.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:50% 53%\" loading=\"eager\"\/><\/picture><\/div><div class=\"heroPictureCardHeaderShape\"><\/div><div class=\"container\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"box\"><div class=\"boxTagWrapper\"><div class=\"tagInfo\"><div><span class=\"box-tag\">Innovation<\/span><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">Harnessing digital currencies<\/h1><\/div><div class=\"inner-row-insight download-btn\"><div class=\"col-md-4 downloadFiles addPadding\"><a class=\"button-download--small\" type=\"download\" href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/09\/CBDC-Payments-Article.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"In neuem Fenster \u00f6ffnen\"><span>Download article<\/span><span class=\"type\">4 MB  pdf<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-1\"><nav class=\"article-social\"><ul class=\"social-nav\"><li class=\"ip-order-fb\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=1054724\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"In neuem Fenster \u00f6ffnen\"><i aria-hidden=\"true\" class=\"icon-fb\"><\/i><span class=\"sr-only\">Facebook<\/span><\/a><\/li><li class=\"ip-order-li\"><a href=\"https:\/\/www.linkedin.com\/shareArticle?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=1054724\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"In neuem Fenster \u00f6ffnen\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><span class=\"sr-only\">Linkedin<\/span><\/a><\/li><\/ul><\/nav><\/div><div class=\"col-12 col-md-11 col-lg-10\"><div class=\"article-text article-quote-text\">\n<h3 class=\"wp-block-heading\" id=\"h-how-banks-can-prepare-their-it-estates-to-leverage-the-power-and-potential-of-central-bank-digital-currencies-cbdcs\">How banks can prepare their IT estates to leverage the power and potential of central bank digital currencies (CBDCs)<\/h3>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-case-in-point-digital-euro\"><em>Case in point &#8211; Digital Euro<\/em><\/h3>\n\n\n\n<p><strong>In brief<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>With 70% of central banks aiming to issue a CBDC within the foreseeable future, and the Digital Euro on the near-term horizon, digital currency momentum is building.<\/li>\n\n\n\n<li>As CBDC adoption will likely be mandatory for banks, it\u2019s imperative to get started with strategically addressing the many business and technology implications.<\/li>\n\n\n\n<li>Learning from examples of Digital Euro preparations, we have identified here three critical steps that banks need to complete to succeed.<\/li>\n<\/ul>\n\n\n\n<p>With consumers, businesses, and governments keenly interested in fast, easy, cost-effective, and secure digital transactions, momentum continues building for <a href=\"https:\/\/www.capgemini.com\/insights\/research-library\/building-central-bank-digital-currency\/\">central bank digital currencies (CBDCs)<\/a>.<\/p>\n\n\n\n<p>As digital currencies backed by central banks are <a href=\"https:\/\/fintechmagazine.com\/articles\/fintech-live-defi-forum-cbdc-vs-defi\" target=\"_blank\" rel=\"noreferrer noopener\">generally safer than other forms of virtual money<\/a>, like cryptocurrency or stablecoin, many currency unions and countries are expected to make adoption by banks mandatory, including in the Eurozone and, likely, the UK.<\/p>\n\n\n\n<p>In response, banking innovators are already establishing their CBDC strategies, readying their technology infrastructures, and even piloting different aspects of digital currency. To help financial institutions harness the power and potential of CBDCs, with Digital Euro as the leading example, this article will look at key steps every bank should address in order to remain competitive in the inevitable digital currency future.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-progress-continues-worldwide\">Progress continues worldwide<\/h3>\n\n\n\n<p>Although the attention of many banks, particularly those in the EU and UK, has focused on meeting other digitalization imperatives, CBDC progress is moving forward apace.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.statista.com\/topics\/7782\/central-bank-digital-currencies\/#topicOverview\" target=\"_blank\" rel=\"noreferrer noopener\">Worldwide, the number of countries developing a CBDC now tops 100<\/a>, with 19 of the Group of 20 (G20) countries in the advanced stages. Three countries have fully launched a CBDC, the Bahamas, Jamaica, and Nigeria, <a href=\"https:\/\/www.omfif.org\/2024\/02\/cbdc-success-depends-on-public-and-private-sector-collaboration\/\" target=\"_blank\" rel=\"noreferrer noopener\">with 70% of central banks planning to issue a CBDC within the next decade<\/a>.<\/p>\n\n\n\n<p>In all, 36 wholesale and retail CBDC initiatives are underway. This includes the <a href=\"https:\/\/www.atlanticcouncil.org\/cbdctracker\/\" target=\"_blank\" rel=\"noreferrer noopener\">Digital Euro, for which the European Central Bank (ECB)<\/a> is currently well along the development timeline. On its heels, the UK is expected to introduce a Digital Pound.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-key-steps-for-cbdc-success\">3 key steps for CBDC success<\/h3>\n\n\n\n<p>Despite the progress, there is still peril involved with CBDCs. The most clearly demonstrated example was the Eastern Caribbean Currency Union, consisting of eight countries, where the Eastern Caribbean Central Bank (ECCB) halted its digital currency rollout due to technical difficulties, forcing the <a href=\"https:\/\/web.archive.org\/web\/20240108052326\/https:\/www.eccb-centralbank.org\/viewPDF\/documents\/2023-12-18-16-07-52-RFVI.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">development of a new pilot<\/a>.<\/p>\n\n\n\n<p>For banks, the primary takeaway from ECCU experience is the importance of starting early and taking a strategic approach to developing and executing digital currency offerings. To ensure the expected mandates can be met, risks are minimized, and value is derived, here are the three key steps every bank needs to take:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Understand the regulatory environment.<\/strong> With many jurisdictions still working on the underlying legislation, such as in the EU, their associated central banks have yet to finalize regulations.<br><br>However, the most essential regulatory elements are already well established, giving banks a solid starting point for developing a strategy and beginning their execution phases. Most importantly, banks cannot delay their digital currency efforts in order to ensure compliance with the expected mandates later this decade.<br><br><\/li>\n\n\n\n<li><strong>Develop a comprehensive CBDC strategy.<\/strong> Like any transformation, successfully preparing for CBDCs requires a comprehensive business and technology strategy.<br><br>Critical decisions start with whether to merely comply with CBDC mandates or leverage digital currencies for competitive advantage by layering value-added services on top of basic digital currency offerings. As this determination affects all others, successful banks will make this decision their highest strategic priority.<br><br>Another concern is digital distribution channels, as central banks plan to introduce CBDC apps for banks to support. In response, banks can either create a single channel, by fully integrating a CBDC\u2019s app with the bank\u2019s app, or pursue a multichannel approach, where each app stands alone. In the Eurozone, a multichannel approach would require customers to juggle the Digital Euro app, the pending SCT-Inst Wero app, and the bank\u2019s app.<br><br>A third pivotal factor is customer loyalty. As digital currencies significantly reduce friction for changing institutions, robustly addressing loyalty will be key to attracting and retaining account holders.<br><br>For many banks, developing a comprehensive strategy will pose a challenge due to already-stretched technology calendars. As an example, European and affected UK banks are implementing <a href=\"https:\/\/www.google.com\/search?q=psd3+in+payments&amp;client=firefox-b-1-d&amp;sca_esv=2a9720fd994fa302&amp;sxsrf=ADLYWIKcbrNFMWMcWc10X2i5o_lCKFchHg%3A1721848786969&amp;ei=0lOhZvz1Ouf_ptQPzu2gyAg&amp;ved=0ahUKEwj8prfKssCHAxXnv4kEHc42CIkQ4dUDCA8&amp;uact=5&amp;oq=psd3+in+payments&amp;gs_lp=Egxnd3Mtd2l6LXNlcnAiEHBzZDMgaW4gcGF5bWVudHMyCBAAGIAEGKIEMggQABiABBiiBDIIEAAYgAQYogQyCBAAGIAEGKIEMggQABiABBiiBEjYHlCSD1iSD3ACeAGQAQCYAW-gAW-qAQMwLjG4AQPIAQD4AQGYAgOgAoUBwgIKEAAYsAMY1gQYR5gDAIgGAZAGCJIHAzIuMaAH1wI&amp;sclient=gws-wiz-serp\" target=\"_blank\" rel=\"noreferrer noopener\">PSD3<\/a>, <a href=\"https:\/\/www.google.com\/search?q=PSR+regulation&amp;client=firefox-b-1-d&amp;sca_esv=2a9720fd994fa302&amp;sxsrf=ADLYWILrUNQzchXChtx6L6pftmTXQmkd2g%3A1721848874267&amp;ei=KlShZuXyD9qeptQP4YGckAc&amp;ved=0ahUKEwjlr4f0ssCHAxVaj4kEHeEAB3IQ4dUDCA8&amp;uact=5&amp;oq=PSR+regulation&amp;gs_lp=Egxnd3Mtd2l6LXNlcnAiDlBTUiByZWd1bGF0aW9uMgUQABiABDIFEAAYgAQyChAAGIAEGBQYhwIyChAAGIAEGBQYhwIyBRAAGIAEMgUQABiABDIFEAAYgAQyBRAAGIAEMgUQABiABDILEAAYgAQYhgMYigVIgiZQ3QNYyyBwAXgBkAEAmAGFAaABvgmqAQM5LjS4AQPIAQD4AQGYAg6gAqcKwgIKEAAYsAMY1gQYR8ICERAuGIAEGJECGMcBGIoFGK8BwgIEEAAYHsICBhAAGAgYHsICIBAuGIAEGJECGMcBGIoFGK8BGJcFGNwEGN4EGOAE2AEBwgIGEAAYFhgewgILEAAYgAQYkQIYigXCAgoQABiABBhDGIoFwgIKEC4YgAQYFBiHAsICCxAuGIAEGNEDGMcBwgILEC4YgAQYxwEYrwGYAwCIBgGQBgi6BgYIARABGBSSBwM5LjWgB7RX&amp;sclient=gws-wiz-serp\" target=\"_blank\" rel=\"noreferrer noopener\">PSR<\/a>, ISO 20022, and SEPA Instant Credit Transfer (SCT Inst). Banks tempted to resolve the situation by treating CBDCs tactically will be burdened with a protracted evolution as they work to properly implement digital currencies.<br><br><\/li>\n\n\n\n<li><strong>Address the top IT gaps.<\/strong> Unsurprisingly, CBDC introduction is spawning a host of unique technology requirements, adjustments, and modernizations. The most critical are:\n<ul class=\"wp-block-list\">\n<li><span style=\"text-decoration: underline;\">Architectural modifications,<\/span> as digital currency accounts will be a mirror of the central bank, rather than actually holding funds. This is fundamentally different than the current architecture of most banking core systems, necessitating a considerable overhaul.<\/li>\n\n\n\n<li><span style=\"text-decoration: underline;\">Account number adjustments<\/span> to accommodate changes in the naming system for digital currencies. For example, the Digital Euro includes a unique identifier called a Digital Euro Account Number (DEAN). In addition to account numbers being structurally different than today\u2019s IBAN, digital currencies can permit aliases, like a mobile phone number, requiring banks to also manage an account mapping table.<\/li>\n\n\n\n<li><span style=\"text-decoration: underline;\">Processing speed improvements<\/span> to attain velocities of less than three seconds, far faster than current performance capabilities, for meeting experience expectations. Even banks preparing for SCT-Inst will have work to do, as its requirement is five to 20 seconds.<\/li>\n\n\n\n<li><span style=\"text-decoration: underline;\">Payment engine modernization,<\/span> due to all CBDC settlements occurring in the central bank\u2019s ledger. In a nutshell, banks must prepare for digital currency accounts that can be funded and defunded directly from multiple private accounts or commercial accounts. This means every transaction will be broken down into multiple components for a bank\u2019s payments engine to orchestrate and validate against the digital currency\u2019s holding limit. Further, the funding source and defunding targets can be at another institution. Even the sequence of processing steps will likely differ from current norms.<br><br>In addition, a bank\u2019s payment engine will be required to connect with a centralized fraud detection function and there will be new privacy-enhancing techniques, like pseudonymized data. However, the pseudonymization of this data may occur outside the payment engine.<\/li>\n\n\n\n<li><span style=\"text-decoration: underline;\">Offline operation enablement<\/span> by providing the ability to transfer value between devices absent any digital ledger connection and, possibly, communicating the transactions to the central bank\u2019s ledger later. One offline option was recently piloted by <a href=\"https:\/\/www.hfsresearch.com\/research\/capgemini-cbdc-offline-pilot-program\/\" target=\"_blank\" rel=\"noreferrer noopener\">ANZ Bank in cooperation with the Reserve Bank of Australia (RBA)<\/a>. It leveraged blockchain and near-field communication (NFC) to create a payment model resembling a hybrid of traditional cash and card transactions.<\/li>\n\n\n\n<li><span style=\"text-decoration: underline;\">Swift interoperability development<\/span> for connecting to the organization\u2019s new interlinking solution currently being established. Having recently completed a second phase trial with <a href=\"https:\/\/www.ledgerinsights.com\/38-institutions-join-swift-cbdc-connector-second-trials\/\" target=\"_blank\" rel=\"noreferrer noopener\">38 institutions and two consulting partners<\/a>, the Swift interlinking solution aims to connect CBDC networks, existing payment systems and other networks, such as bank-led tokenized deposit networks.<\/li>\n\n\n\n<li><span style=\"text-decoration: underline;\">Transaction history and reporting upgrades<\/span> to accommodate the CBDC processes known as the reverse waterfall and waterfall. Essentially, if a customer\u2019s digital currency account contains insufficient funds for completing a transaction, the needed balance will be funded from one or more external accounts, including bank accounts. Similarly, if a customer\u2019s account rises above the holding limit, the account will be defunded automatically to one or more external accounts. Although banks will need to track and report on each event in the chain, customers will likely prefer to view the various underlying transactions as a single event.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-leverage-trusted-partnerships-to-achieve-cbdc-goals\">Leverage trusted partnerships to achieve CBDC goals<\/h3>\n\n\n\n<p>To navigate the many CBDC nuances, banks can turn to partners with critical digital currency experience and expertise. The right partners can assist with:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Strategy development.<\/strong> Helping to design a comprehensive plan that establishes goals and addresses the myriad business and technology considerations.<\/li>\n\n\n\n<li><strong>Impact analysis.<\/strong> Assessing how CBDC adoption will affect a bank\u2019s applications, revenues, risk, organizational processes, and client relationships.,<\/li>\n\n\n\n<li><strong>Proof of concept design and completion.<\/strong> To ensure CBDC goals can be realized, one or more pilot phases for each technology solution will be necessary.<\/li>\n\n\n\n<li><strong>Staff development and change management.<\/strong> Due to CBDC complexities and the new processes required, robust staff training and change management are vital.<\/li>\n\n\n\n<li><strong>Integration and business embedding.<\/strong> Multiple new technologies, and their related business processes, will require integrating into a bank\u2019s existing environment, including core systems, payments, and channel apps.<\/li>\n\n\n\n<li><strong>Solution Testing.<\/strong> Determine and execute an end-to-end testing and product rollout strategy across all digital currency services offered by the bank and all relevant channels.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-the-time-to-start-now\">The time to start: Now<\/h3>\n\n\n\n<p>With strong interest in safer and more equitable forms of virtual money, central banks are forging ahead with CBDCs. As these efforts are expected to include adoption mandates, leading banks are responding by developing CBDC strategies and even beginning early execution phases.<\/p>\n\n\n\n<p>Given the inevitability of CBDCs, along with the associated business and technology implications, financial institutions cannot sit on the sidelines. By starting their journeys now, banks can successfully leverage this new type of virtual money, develop value-added services, and realize benefits from CBDCs.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n<section class=\"latest-insights layout-even layout-even-all-purple-cards \"><div class=\"container\"><div class=\"insight-title\"><h2 class=\"latest-insight-title\">Research and insights<\/h2><\/div><div class=\"layout-two-card cards-normal\">\n                                <div class=\"row align-items-center\"><div class=\"card-image-wrapper\">\n                                <div class=\"card-image\" data-image-url=\"https:\/\/www.capgemini.com\/de-de\/insights\/research\/world-payments-report\/\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/de-de\/wp-content\/uploads\/sites\/8\/2025\/09\/Capcom-Webpage-Banner_2880x1800-1.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/de-de\/wp-content\/uploads\/sites\/8\/2025\/09\/Capcom-Webpage-Banner_2880x1800-1.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 1500px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/de-de\/wp-content\/uploads\/sites\/8\/2025\/09\/Capcom-Webpage-Banner_2880x1800-1.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/de-de\/wp-content\/uploads\/sites\/8\/2025\/09\/Capcom-Webpage-Banner_2880x1800-1.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/de-de\/wp-content\/uploads\/sites\/8\/2025\/09\/Capcom-Webpage-Banner_2880x1800-1.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/de-de\/wp-content\/uploads\/sites\/8\/2025\/09\/Capcom-Webpage-Banner_2880x1800-1.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/de-de\/wp-content\/uploads\/sites\/8\/2025\/09\/Capcom-Webpage-Banner_2880x1800-1.jpg?w=350&#038;quality=70 1x, https:\/\/www.capgemini.com\/de-de\/wp-content\/uploads\/sites\/8\/2025\/09\/Capcom-Webpage-Banner_2880x1800-1.jpg?w=700&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/de-de\/wp-content\/uploads\/sites\/8\/2025\/09\/Capcom-Webpage-Banner_2880x1800-1.jpg\" alt=\"\" style=\"object-position: 50% 50%; object-fit: cover;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n                                <\/div>\n                            <\/div><div class=\"col-12 col-lg-4 d-md-none d-lg-block\"><\/div><div class=\"col-12 col-md-6 col-lg-4\">\n                           <a href=\"https:\/\/www.capgemini.com\/de-de\/insights\/research\/world-payments-report\/\" aria-label=\"World Payments Report 2026\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-center\">\n                                <div class=\"card-tag\">Report<\/div>\n                                <h3 class=\"card-title\">World Payments Report 2026<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/de-de\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute.svg\" alt=\"capgemini-research-institute\" class=\"light\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/de-de\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <div class=\"col-12 col-md-6 col-lg-4\">\n                            <a href=\"https:\/\/www.capgemini.com\/de-de\/insights\/research\/technovision-2024-financial-services\/\" aria-label=\"TechnoVision 2024: Financial Services\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-start\">\n                                <div class=\"card-tag\">Report<\/div>\n                                <h3 class=\"card-title\">TechnoVision 2024: Financial Services<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"\" alt=\"\" class=\"light\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"\" alt=\"\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <\/div>\n                    <\/div><\/div><\/section>\n\n<section class=\"wp-block-cg-blocks-learn-more learnMoreBlock updated-new-sample-amal\"><div class=\"container\"><div class=\"content-title\"><h2 class=\"learnmore-heading\">Learn More<\/h2><\/div><div class=\"row\"> <div class=\"col-md-4\"><div class=\"box\"><div class=\"box-wrapper\"><a class=\"box-title\" href=\"https:\/\/www.capgemini.com\/de-de\/branchen\/banken-kapitalmaerkte\/\" target=\"\" aria-label=\"Learn more 1\" rel=\"noopener noreferrer\"><div class=\"box-img-wrapper\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/03\/Capgemini_Industries_Capital-Markets-1.webp?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/03\/Capgemini_Industries_Capital-Markets-1.webp?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/03\/Capgemini_Industries_Capital-Markets-1.webp?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><h3 class=\"titleWithoutLink_learnMore\">Banking and capital markets<\/h3><\/a><\/div><\/div><div class=\"box-inner\"><p class=\"box-desc\"><\/p><\/div><\/div> <div class=\"col-md-4\"><div class=\"box\"><div class=\"box-wrapper\"><a class=\"box-title\" href=\"https:\/\/www.capgemini.com\/de-de\/branchen\/banken-kapitalmaerkte\/cards-and-payments\/\" target=\"\" aria-label=\"Learn more 1\" rel=\"noopener noreferrer\"><div class=\"box-img-wrapper\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/12\/Capgemini_Industries_Capital-Markets_Cards-and-payments_2.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/12\/Capgemini_Industries_Capital-Markets_Cards-and-payments_2.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/12\/Capgemini_Industries_Capital-Markets_Cards-and-payments_2.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><h3 class=\"titleWithoutLink_learnMore\">Cards and payments<\/h3><\/a><\/div><\/div><div class=\"box-inner\"><p class=\"box-desc\"><\/p><\/div><\/div> <div class=\"col-md-4\"><div class=\"box\"><div class=\"box-wrapper\"><a class=\"box-title\" href=\"https:\/\/www.capgemini.com\/de-de\/solutions\/decentralized-futures\/\" target=\"\" aria-label=\"Learn more 1\" rel=\"noopener noreferrer\"><div class=\"box-img-wrapper\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/12\/Capgemini_Industries_Capital-Markets_Investment-Banking_2.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/12\/Capgemini_Industries_Capital-Markets_Investment-Banking_2.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/12\/Capgemini_Industries_Capital-Markets_Investment-Banking_2.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><h3 class=\"titleWithoutLink_learnMore\">Decentralized futures<\/h3><\/a><\/div><\/div><div class=\"box-inner\"><p class=\"box-desc\"><\/p><\/div><\/div><\/div><\/div><\/section>","protected":false},"excerpt":{"rendered":"<p>How banks can prepare their IT estates to leverage the power and potential of 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