Article

The smart operating model: How banks are harmonising people and machines

NEWS 02/2026

How banks, by adopting a smart operating model in an era of artificial intelligence, demographic change and increasing competitive pressure, can build an organisation in which human judgement and technological processing capacity work together to create significant synergies
Stefan BaumannStefan Baumann
is Executive Partner in Management Consulting at msg for banking. He has more than 20 years of experience in the banking industry, both in management positions at a major international bank and in renowned management consultancies. His focus is on providing strategic support to banks in matters of business development and optimisation.
Dr. Philippe KrahnhofDr. Philippe Krahnhof
has many years of professional experience and helps shape the future viability of banks in the Strategy & Business Transformation division at msg for banking. In addition to strategic orientation, his focus is on change management. He is also a freelance lecturer at the FOM Hochschule für Oekonomie & Management.
28/07/26
25 views
3 minutes reading time
Artificial Intelligence, Business Models, Strategy
The smart operating model: How banks are harmonising people and machines

What is a smart operating model?

We define a smart operating model as a form of organisation in which human judgement and technological processing capacity work together to great effect – not as competitors, but as complementary strengths.

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