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ARTICLE · 13 NOVEMBER 2025

The Bank Of The Not-So-Distant Future

GTG Legal
GTG Legal
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GTG Legal

GTG Legal

Since its founding in 1997, GTG has been at the forefront of Malta’s legal profession, blending...

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Walk into a branch today and it still looks familiar. Counters, brochures, polite quiet. On paper it feels stable. In truth, time is moving faster than the balance sheets.

MaltaFinance and Banking
Ian Gauci
Ian Gauci

The Bank of the Future

Walk into a branch today and it still looks familiar. Counters, brochures, polite quiet. On paper it feels stable. In truth, time is moving faster than the balance sheets. A simple test tells the story. Take one product that still settles overnight and try making it instant, end to end. If that proves impossible, that delay is the larger structural problem in miniature.

By September 2025 the EU Data Act is due to give customers a clear right to direct access to and sharing of their data. By 2026 European Digital Identity wallets are slated to be available across the EU. At that point people will not switch bank in the old sense. Their software will move value to where terms are better and where trust is earned.

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