Post by Gutmark, Radtke & Company

As CTO or COO at a mid-sized European bank, you're staring at what might be the most demanding five-year stretch in a generation — CRR III, DORA, PSD3, the AI Act, IReF, FiDA, and the Digital Euro, all landing in overlapping windows with one shared IT budget and a finite project team. The question is no longer whether to modernise, but how to sequence investment when every regulation touches the same data architecture, the same core systems, and the same scarce talent pool. Let us lay out six strategic priorities — from building a regulatory tech radar to quantifying technical debt in the language your board actually responds to — that can turn this convergence from a crisis into a structured transformation roadmap.