From AI to stablecoins: What could change banking by 2030

Homepage > News > Finance > From AI to stablecoins: What could change banking by 2030 TL;DR: At Gorriceta’s “Banking 2030” masterclass, panelists said artificial intelligence (AI), stablecoins, and fewer payment middlemen will reshape Philippine banking by 2030. With software easier to build, licenses, regulatory readiness, and trust matter most to investors, and customers will judge banks on speed, cost, and reliability. Key Takeaways: At Gorriceta’s “Banking 2030” masterclass, experts said AI is accelerating financial technology development. Meridian’s William Haering expects vertical integration of payments to dominate the next decade, with more fintechs becoming banks. ADVANCE.AI’s “TRUE” framework says businesses attract capital through trust, regulatory readiness, unit economics, and an embedded data advantage. Continuous identity checks and cybersecurity remain essential as AI reshapes banking. By 2030, banking innovation will be measured by how quickly money moves, how much transactions cost, and how reliably financial services protect customers. Sending money overseas can still mean waiting days and paying fees along the way. As banks and fintechs work to improve ...