Banking in the age of instinct

From financial services to financial betterment

Banks are no strangers to disruption. Over the past 10 years, they have faced the fallout from the global financial crisis, regulatory reforms, the birth of new competitors, and now a global pandemic. To weather the current storm and build greater resilience for the future, they must become instinctive.


Become an instinctive bank

Our report explores how three macrotrends will have a major impact on the world and banking. See how successful banks are connecting, predicting, and adapting while adopting digital technologies, enabling them to transform into instinctive enterprises.

Optimized reality

Q: Will banks be able to compete with tech companies on customer experience?

A: Absolutely.

Imagine a person walks into a car dealership.

Her phone buzzes as she receives an alert from her bank saying she’s automatically pre-qualified for a car loan.

The instinctive bank connects internal and external data with AI to rapidly predict and adapt to customer needs.

Ethical impact

Q: Will profitability be a bank’s only priority?

A: Think again.

Let’s say a bank’s customer has a gambling addiction and finds himself at a casino.

At his request, his bank has automatically locked his debit card to support his recovery and long-term financial betterment.

The instinctive bank prioritizes customers’ wellbeing over financial transactions.

Whole-system planning

Q: Will banks pursue growth at all costs?

A: Not anymore.

What if a bank helped its customers understand how their consumption impacted the environment?
Then helped reduce their carbon footprint and offset their emissions with charitable donations?

Welcome to the instinctive bank – prioritizing the needs of people and planet.

Banking in the age of instict

Accelerate your


Learn more about Banking in the Age of Instinct and becoming an instinctive enterprise.

Become an instinctive enterprise. Accelerate your transformation.

Become an instinctive bank.