Adam

Encouraging innovation, managing risks: the ECB’s approach to digital transformation

European banks face a paradox: the greatest risk may be failing to innovate. In his keynote at the 10th Annual FinTech and Regulation Conference, Patrick Montagner emphasized that innovation is critical for economic growth, competitiveness, and resilience in the banking sector—but it must be carefully managed to safeguard financial stability.

Euro Area Banks Tighten Lending Standards Amid Rising Risks

Euro area banks reported a notable shift in lending behaviour in the fourth quarter of 2025, according to the January 2026 Bank Lending Survey (BLS). While credit standards for housing loans eased slightly, banks tightened standards for corporate and consumer lending, citing higher risk perceptions and reduced risk tolerance.

ECB’s Cipollone: Digital Euro to Cut Payment Costs and Boost Europe’s Payment Autonomy

The European Central Bank is pressing ahead with plans for a digital euro to preserve access to central bank money in an increasingly digital economy and to reduce Europe’s reliance on non-European payment providers, according to ECB Executive Board member Piero Cipollone in an interview with the Cyprus News Agency.