Understand tomorrow, act today
The FUTURES Framework: Your path to the next era of banking
Developed by our expert innovation teams, the FUTURES Framework allows you to dive into realistic scenarios created by GenAI and validated by our innovation experts. These scenarios help you discover new perspectives and explore possibilities for your financial institution.
Leverage NTT DATA’s deep expertise in technology and innovation to create forward-looking solutions tailored to your institution’s needs.
Through in-depth workshops with our innovation teams, you can identify and analyze the challenges and opportunities each scenario presents, spot risks and opportunities early, and define critical tasks to position your bank for success in the age of AI.
Want to learn more? Fill out the form and we’ll get started.
Let’s create a scenario for your institution — no strings attached
To show you what we mean, we’re happy to provide a short, introductory scenario for your organization.
Here’s how it works:
- Define your expectations for the future: Choose the options that best reflect your vision for the future of banking from our dropdown menu.
- AI-supported expert analysis: Our innovation experts use advanced GenAI to create a short future scenario based on your selections.
- Your personalized glimpse into the future: Receive a scenario tailored to your assumptions. Our vivid written narrative comes with a GenAI-created image and avatar to give you a clearer view of how things could be.
More than just banking
The fusion of technology, community and ethics
Bridging regional gaps in technology and financial innovation
Financial services are seamlessly integrated into everyday platforms, powered by AI, blockchain and green computing. In some regions, big tech partners with or acquires traditional banks, while others maintain conventional systems. Real-time environmental, social and governance (ESG) audits and AI-driven wealth management are common, though adoption varies globally.
Community-focused investments become more important, especially in highly developed areas. An aging population increasingly depends on AI-driven financial advisors, and strict green-computing regulations shape technology use. The uneven adoption of technology results in diverse financial landscapes, with the balance between innovation, data privacy and sustainability varying across regions.
AI-powered financial agents bring unprecedented personalization and sustainability to finance
Finance is driven by AI, decentralized finance (DeFi) and ESG principles. Banks have evolved into digital orchestrators, enabling seamless, decentralized transactions. AI clones manage personal finances based on individual profiles, offering a new level of personalization.
ESG compliance is deeply embedded, with AI setting advisory standards for sustainability. Cognitive banking aligns financial advice with customer emotions, improving customer satisfaction. Wealth shifts to tech-savvy youth, and traditional roles are replaced by AI-centered jobs. As reliance on AI and decentralized platforms grows, ethical concerns regarding data privacy, inclusion and regulation intensify.
The decentralized autonomous organization (DAO) economy
Redefining trust and power in a quantum world
Quantum computing, decentralized governance and green finance are reshaping financial systems. DAOs dominate finance, replacing traditional banks with decentralized, community-led governance. Quantum computing and distributed ledger technology (DLT) enable DAOs to manage funds in real time and run complex financial models, delivering fast, transparent services.
Digital assets — including tokenized real estate and art — become mainstream, democratizing investment. Green computing becomes the norm, with DAOs leading sustainability efforts by reducing carbon footprints. While financial inclusion improves, regulations are fragmented and not globally consistent. DAOs will need to balance decentralization with effective governance, navigate regional regulations and ensure cybersecurity.
Innovate with NTT DATA
Our global network and long-standing industry experience accelerate innovation strategies and deliver measurable improvements in efficiency and competitiveness for forward-thinking financial institutions.
NTT DATA is part of NTT Group, which invests over $3.6 billion each year in R&D to drive innovation in all sectors.
With extensive expertise in emerging future technologies, we can prepare you for the future of banking.