2026 Tech Agenda: AI Defensibility, In-App Payments, and Consolidation

At Finovate Europe 2026, our panel discussion, “𝐓𝐡𝐞 𝐁𝐚𝐧𝐤 𝐌𝐨𝐝𝐞𝐫𝐧𝐢𝐳𝐚𝐭𝐢𝐨𝐧 𝐀𝐠𝐞𝐧𝐝𝐚: 𝐅𝐫𝐨𝐦 𝐒𝐭𝐫𝐚𝐭𝐞𝐠𝐲 𝐭𝐨 𝐄𝐱𝐞𝐜𝐮𝐭𝐢𝐨𝐧,” sparked an important conversation: Will enterprise fintech, AI, and cloud truly revolutionize legacy banking? The consensus was clear; modernization isn’t just about adopting new technologies. It’s about building intelligent, trusted financial services enterprises powered by: ✅ AI-ready, governed data foundations ✅ Cloud-native, scalable architectures ✅ Context-aware, agentic AI systems ✅ Built-in resilience, compliance, and observability Here’s a quick glimpse from the panel discussion. Barry Lloyd

🚨 T+1 didn’t just make settlement faster, it made it more fragile. Breaks show up earlier. Risk compounds faster. And legacy post-trade workflows can’t keep up. That’s why we built SmartSettle AI. SmartSettle AI is the intelligence layer for post-trade operations -unifying trade, match, and settlement data in real time, predicting failures before they happen, and automatically engaging the right counterparty to resolve issues fast. What once took hours now takes seconds. The result: ✅ True T+0 exception management ✅ Fewer fails ✅ Faster settlements ✅ Lighter operational workloads Post-trade is entering a new era. SmartSettle AI — Settle Smarter. #PostTrade #T1 #FinTech #CapitalMarkets #AI #Ops #Automation #Settlement #BuySide

When the industry moved to T+1, settlement didn’t just get faster - it got more fragile. Breaks surface earlier. Risk escalates faster. And ops teams are left managing tighter timelines with legacy workflows. That’s exactly why we built SmartSettle AI. Post-trade should be predictive, automated, and real-time - not reactive. Proud of what our team is building and the partners leaning into modern post-trade infrastructure. SmartSettle AI — Settle Smarter. #PostTrade #FinTech #T1 #Leadership #AI #CapitalMarkets

𝗜𝘀 𝘆𝗼𝘂𝗿 𝗯𝗮𝗻𝗸 𝘁𝗿𝘂𝗹𝘆 𝗔𝗜-𝗿𝗲𝗮𝗱𝘆? AI readiness isn’t just about tools — it starts with data architecture that captures events in real time, preserves institutional memory, and exposes data in formats that AI can reason over. In our latest blog, we break down the three foundational layers every modern bank needs:  • Message Bus – for scalable event-driven ingestion  • Lakehouse – unified storage & analytics platform merging lake flexibility with warehouse reliability  • AI Data Tier – curated, trusted data engineered for AI/ML workloads These layers form a robust foundation for intelligent automation, predictive insights, and advanced AI use cases — powering next-gen banking. Read our latest blog from Darren Shaffer: https://lnkd.in/g25GquSF #USBanking #FinancialServices #DigitalBanking #AIinBanking #DataArchitecture #AIReadiness #Fintech #BankingTransformation #CoreBanking #BankingPlatforms #Lending #DataEngineering

Private markets are scaling. Fast. And the pressure to organize your data has never been higher. Francisco Ceballos, Head of Product Data & AI for BNY’s Data & Analytics, connected with Funds Europe to discuss why modernizing your operations is more than a tech upgrade. His message is simple: move from fragmented systems to centralized, cloud native platforms with strong governance and practical AI. What this means for you: • Faster, cleaner data for valuations and enhanced risk management • Proactive compliance with built-in auditability • API first interfaces and automated quality controls • A single source of truth that your teams trust Read the full interview to learn quick wins that can strengthen your private markets data management. http://ms.spr.ly/6046QPv58 #PrivateMarkets #DataAndAnalytics #AI #Cloud #DataGovernance #APIs #DataQuality #DataLineage #DueDiligence #Risk #Compliance #BNY

Private markets are scaling. Fast. And the pressure to organize your data has never been higher. Francisco Ceballos, Head of Product Data & AI for BNY’s Data & Analytics, connected with Funds Europe to discuss why modernizing your operations is more than a tech upgrade. His message is simple: move from fragmented systems to centralized, cloud native platforms with strong governance and practical AI. What this means for you: • Faster, cleaner data for valuations and enhanced risk management • Proactive compliance with built-in auditability • API first interfaces and automated quality controls • A single source of truth that your teams trust Read the full interview to learn quick wins that can strengthen your private markets data management. http://ms.spr.ly/6048Q3OV0 #PrivateMarkets #DataAndAnalytics #AI #Cloud #DataGovernance #APIs #DataQuality #DataLineage #DueDiligence #Risk #Compliance #BNY

AI cannot fix a broken core banking system. There is a rush to layer "AI Copilots" on top of legacy infrastructure. But here is the hard truth: AI is only as fast as the database it queries. If your core ledger takes 4 seconds to return a balance, your "Real-Time AI Agent" is just a faster way to wait. Before you invest millions in a GenAI roadmap, audit your data pipelines: Is your data unstructured and siloed? Is your API latency unpredictable? Is your authentication layer fragmented? Modernization isn't about the shiny new tool. It's about fixing the plumbing so the new tool actually works. Build the foundation first. #LegacyModernization #FinTech #DigitalTransformation #CloudNative #Coretus #TechnicalDebt

Private markets are scaling. Fast. And the pressure to organize your data has never been higher. Francisco Ceballos, Head of Product Data & AI for BNY’s Data & Analytics, connected with Funds Europe to discuss why modernizing your operations is more than a tech upgrade. His message is simple: move from fragmented systems to centralized, cloud native platforms with strong governance and practical AI. What this means for you: • Faster, cleaner data for valuations and enhanced risk management • Proactive compliance with built-in auditability • API first interfaces and automated quality controls • A single source of truth that your teams trust Read the full interview to learn quick wins that can strengthen your private markets data management. http://ms.spr.ly/6044QM7X8 #PrivateMarkets #DataAndAnalytics #AI #Cloud #DataGovernance #APIs #DataQuality #DataLineage #DueDiligence #Risk #Compliance #BNY

Private markets are scaling. Fast. And the pressure to organize your data has never been higher. Francisco Ceballos, Head of Product Data & AI for BNY’s Data & Analytics, connected with Funds Europe to discuss why modernizing your operations is more than a tech upgrade. His message is simple: move from fragmented systems to centralized, cloud native platforms with strong governance and practical AI. What this means for you: • Faster, cleaner data for valuations and enhanced risk management • Proactive compliance with built-in auditability • API first interfaces and automated quality controls • A single source of truth that your teams trust Read the full interview to learn quick wins that can strengthen your private markets data management. http://ms.spr.ly/6049QPaWc #PrivateMarkets #DataAndAnalytics #AI #Cloud #DataGovernance #APIs #DataQuality #DataLineage #DueDiligence #Risk #Compliance #BNY