Post by Devoteam

In 2026, regulatory tech debt alone is consuming up to 20% of total IT spend, leaving little room for innovation. Digital banks like Nubank and Revolut operate at 20–30% cost-to-income ratios, while traditional banks are still sitting at 50–60%. The difference? Digital-first competitors are using AI to monitor unit economics in real time. According to Francisco Portugal Gaspar, Manager at Devoteam Business Consulting, you can too, with AI Scenario Modelling as a Value Navigator. This technology creates a Digital Twin of the bank’s operational cost structure. Unlike traditional tools that merely report spend, a “Value Navigator” builds a dynamic relationship between raw IT expenses and business outcomes through a sophisticated four-stage process: Swipe to learn how the Value Navigator framework is helping banks map real costs to real business outcomes. 👉 #Banking #AI #DigitalTransformation #Fintech #CostOptimisation