AI, Trust, and the Digital Euro: Insights from SIBOS 2025

A Week of Connection and Collaboration

From the buzzing halls of Messe Frankfurt to thought-provoking panels and fireside chats, SIBOS once again proved why it’s the heart beating of the global financial community.

At the RiskShield booth, we had the opportunity to meet with industry leaders, partners, and innovators - all united by a shared mission: to make finance safer, smarter, and more resilient. The conversations reaffirmed what drives our work at RiskShield: combining artificial intelligence with deep domain expertise to detect and prevent financial crime in real time.

 “It’s not just about stopping fraud - it’s about enabling trust in a digital-first world”, I picked up in a conversation a colleague had.

The Digital Euro and Europe’s Stablecoin Moment

A key highlight from this year’s discussions was the European Central Bank’s goal to launch the digital euro within the next years. Alongside this, nine major European banks announced a joint initiative to develop a pan-European stablecoin, marking a historic step toward a more integrated and digital monetary ecosystem. The consortium aims to launch a MiCAR-compliant euro stablecoin designed for instant cross-border payments and settlement within the EU, leveraging blockchain technology to enhance liquidity, transparency, and regulatory trust across participating banks.

These initiatives signal more than technological progress, they represent a profound shift in how value and trust will move in the coming decade. With programmable money and instant settlement on the horizon, fraud prevention and compliance will become mission critical.

That’s where RiskShield continues to lead: enabling institutions to identify anomalies and suspicious activity across new payment rails with adaptive, explainable AI.

AI and the Rise of Agentic Intelligence

Artificial Intelligence and increasingly, Agentic AI dominated conversations across the event. Panels explored how autonomous, self-learning systems might soon reason, plan, and act on behalf of financial institutions.

While the potential is immense, so are the questions: How do we keep AI transparent, ethical, and accountable?
At INFORM, we believe the answer lies in augmented intelligence - empowering human experts with explainable, data-driven insights that enhance decision-making, not replace it.

AI in banking must remain accountable - it should learn, adapt, and evolve, but always under human oversight and ethical guidance.

The Human Side of Innovation

SIBOS 2025 was also about people. Conversations on the show floor reminded us that progress is built on collaboration. We believe that progress happens when banks, regulators, and technology partners work together to understand emerging threats and co-create the solutions of tomorrow. Events like SIBOS remind us that every conversation moves us closer to a common goal: fighting financial crime now, tomorrow, and for the future. The energy in Frankfurt was palpable, a community ready to shape the digital future together.

Looking Ahead

As we return from Frankfurt, one thing is clear: the next frontier of finance will be defined by intelligence, transparency, and trust.

Whether it’s enabling the digital euro, protecting real-time payments, or leveraging AI to fight financial crime, RiskShield by INFORM stands ready to help institutions navigate this transformation, securely and confidently.

Learn more about RiskShield.