2025Trends, Technology
Technological trends in banking and insurance for 2025
At ARENA Tech, we have been collaborating with Spain’s leading banks and insurance companies for over 15 years, using a model that combines in-depth knowledge of the financial business with cutting-edge technological expertise.
This year, we have witnessed numerous technological developments that have impacted the banking and insurance sector and will undoubtedly continue to shape 2025.
One of our top priorities has been adapting to the DORA (Digital Operational Resilience Act) regulations. Spanish financial institutions have had to make significant investments to improve their digital operational resilience, which has also been affected by a 40% increase in cyberattacks perpetrated against Spanish financial institutions so far this year.
Furthermore, the adoption of cloud services, artificial intelligence, and the modernization of core processes play fundamental roles, as demonstrated by the following data*:
• More than 60% of Spanish banks and insurance companies have already migrated at least 30% of their workloads to the cloud, seeking greater agility and efficiency in their operations.
• The implementation of AI in key areas such as fraud detection, customer service, and risk analysis has increased by 50% in the last year, reflecting the urgency of leveraging this technology.
• 70% of organizations have initiated projects to modernize their core systems, seeking flexibility and innovation capabilities.
With this technological landscape, the banking and insurance sector is evolving rapidly, and these will undoubtedly be some of the key technological trends and scenarios in 2025:
1. Advanced Digital Operational Resilience
It is a key trend for ensuring stability and compliance in the digital age. Implementing AI-powered, real-time monitoring and response systems allows organizations not only to meet DORA requirements but also to exceed them.
This translates into a positive impact for organizations, which experience greater confidence in their services and a significant reduction in unplanned downtime.
Addressing this need will be crucial through DORA consulting services, which integrate advanced AI into clients’ existing infrastructure and provide a comprehensive and scalable operational resilience solution that adapts to the demands of the digital environment.
2. Ethical and Explainable AI in Financial Services
This point is crucial for critical decision-making, fostering trust in responsible automation.
Its evolution allows organizations to place greater trust in automated decisions, leveraging real-time portfolio analysis to adjust investments, identify trends, and justify every action to clients and regulators.
In turn, it will be essential to offer auditable AI solutions like those we create at ARENA, to ensure they are aligned with the highest ethical and regulatory standards and with a responsible approach that strengthens trust in every process.
3. Native Cloud Platforms for Financial Services
The trend toward cloud-native platforms for financial services is revolutionizing the sector by enabling unprecedented innovation and scalability.
This complete transition to cloud architectures offers financial institutions greater agility in launching new products and services, as well as improving their ability to adapt to changing market needs.
Methodologies such as ARENA//T provide a customized and secure migration strategy to these cloud-native architectures, optimizing costs and ensuring regulatory compliance, which allows companies to fully leverage the opportunities of the digital environment.
4. Open and Collaborative Financial Ecosystems
Currently, the expansion of Open Banking and Open Insurance models is being driven, facilitating the creation of integrated financial networks.
In this way, companies gain access to a wider range of personalized financial services and enjoy more consistent and comprehensive experiences.
The key is to respond to this demand in the most appropriate way. At ARENA Tech, for example, we have the OpenArena platform, which offers standardized APIs and development sandboxes, enabling secure and effective collaboration with fintechs and other partners. Thus, we foster an environment where innovation and personalization are possible in the financial sector.
These trends are already being integrated into our current projects, which include the transformation of market infrastructures, market data processing, and data governance. This approach allows our clients to respond more effectively to the challenges of the sector.
Cloud-native platforms provide flexible and secure environments that improve real-time data management and traceability. This capability is fundamental to strengthening data governance strategies.
We also employ ethical and explainable AI to optimize the accuracy and quality of market data. This ensures that the data meets regulatory standards and supports informed business decisions.
By integrating these innovations, we help our clients adapt to a more resilient, efficient, and connected financial environment. Furthermore, organizations strengthen their competitiveness and compliance in a constantly evolving market.
As the financial and insurance sector moves into the future, it is clear that technology is not just a tool, but a fundamental enabler of change for meeting customer expectations and addressing the challenges of 2025.
Organizations that successfully adopt these trends will be better positioned to compete in an increasingly dynamic market. Along this path, not only are opportunities opening up, but also the responsibility to build an inclusive, resilient, and customer-centric financial future.
