Large banks will become the "operating systems" of the economy of the future.

      03 December 2025 13:07 Economy

      Over the next ten years banks will become one of the key conduits for introducing artificial intelligence into the economy, and the financial system of the future will become hybrid. This was stated at the 16th VTB investment forum "RUSSIA CALLS!" by Dmitry Sredin, Senior Vice President, Head of the Department for Client Relations in Market Sectors at VTB.

      According to him, AI is already being used for personalized offers to clients and scoring; further it will be more deeply embedded into companies' operational activities — from demand forecasting and inventory optimization to dynamic pricing and real-time risk management. The expertise of financial institutions will help clients automate supply chains, treasury functions, real-time liquidity management, and create "smart" contracts based on distributed ledgers.

      In Sredin's view, the financial system of the future will be hybrid and multi-layered: state payment systems will coexist with decentralized networks, digital currencies, tokenized assets, and new formats of international settlements.

      "In such a world, the role of a large bank is not to be an infrastructure monopolist but an orchestrator: to connect public and private payment solutions, traditional capital markets and the 'financial internet,' ensuring consistency of rules, client protection and the resilience of the system as a whole," Sredin said.

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