L'evoluzione del framework dei rischi fronteggiati dalle banche

[Autom. eng. transl.] The Srep 2021 and the ECB's supervisory priorities highlight two main areas of attention for the banking sector: the need for an economically sustainable business model suitable for facing the challenges posed by digitalisation; governance attentive to risk management, including ESG ones. Digitization, despite the uncertainties connected to it, requires rethinking the bank, both in relation to its presence in the area and with regard to the methods of interaction with the customer. It is also hoped that regulation will further develop a user-centred approach to financial services.