Banks spend 93% of their AI budget on technology. Only 7% goes to people. And then they wonder why 95% see no impact on their P&L.
On March 31, 2026, I gave a keynote at the Zühlke Banking Talk in Schlieren on why the future of AI is “cybernetic” and what it takes to become an AI-native bank. The evening brought together perspectives from academia, a major German bank, and practitioners from Swiss financial institutions.
How to build adaptive, AI-native organizations where people, technology, data, and AI models work together efficiently.
$30 to 40 billion invested in generative AI globally. 95% of companies see no impact on their P&L. Only 5% create real value. Companies spend 93% on technology and only 7% on people. What is missing is not the next tool. What is missing is the ability to steer and adapt.
Banking software must be secure, reliable, and trustworthy. But many banks still rely on traditional development methods that are slow, risky, and inefficient. In this video, I explore three modern software development practices that are fundamentally changing how banks build and deliver software: continuous deployment, test-driven development, and feature flags.
Intdiuction the the eBook Moving to Modern Development Practices in Banking: A Playbook
Welcome to the “Modern Banking eBook”, a comprehensive guide for banking institutions embarking on the crucial journey of modernising their software development processes. I’m Romano Roth, and it’s my privilege to walk you through the transformative steps that can reshape the way banks operate in the digital age.
By Anna Redbond and Romano Roth on August 2, 2023
A lot of banks are moving to modern software development despite the traditional industry hurdles like compliance, regulations, and legacy architecture. The shared goal: becoming more adaptable to meet customers’ changing demands.
