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

Management & Transformation in Banking

Financial institutions are facing a structural upheaval—economically, technologically, and regulatory. Management consulting in banking today means more than just strategy development: it’s about the ability to assess the pressure for change, set priorities, and implement transformation projects under real-world conditions. In this collection, our experts in management and business consulting discuss the key questions on the minds of banking executives: How are AI and automation changing business models and work organization? How are institutions dealing with skills shortages, generational shifts, and changes in corporate culture? What impact do regulation, geopolitical uncertainty, and new payment infrastructures have on strategic direction? The articles combine insights from consulting practice with concrete recommendations for action—for decision-makers who want to know not only what is changing, but also how they can respond to it.