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Archive » July / August 2026 » Savings and Investments Union: between geopolitical risks, digital innovation and regulatory simplification

Savings and Investments Union: between geopolitical risks, digital innovation and regulatory simplification

Gianfranco Torriero
July / August 2026 - n. 7-8
Keywords: Banche, Savings and Investments Union, rischi
Jel codes: G21, G28, G11, G51

European banks are called upon to operate within a system of constraints and opportunities profoundly changed. Geopolitics, digital innovation, AI and regulation are no longer separate dimensions of banking action, but factors simultaneously affecting risk management, the ability to finance the real economy, profitability and competitiveness of Europe. In this context, the Savings and Investments Union represents a strategic trajectory to mobilize savings towards productive investments, strengthen European autonomy and to accompany the evolution of financial markets with a simpler, more coherent, proportionate and efficient regulatory framework. With the aim of combining stability, growth, innovation and shock absorption capacity.

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