Post by Roland Berger

Technology can be outsourced. Competitive differentiation cannot. The most consequential decisions European banks make today aren't about which cloud to use or which AI model to deploy. They're about what to keep in-house – the business logic, the orchestration layer, the connective tissue between technology and customer value. As AI becomes central to every part of the banking value chain, institutions that cede control over that layer to external providers aren't just creating operational risk. They're giving away the very thing that makes them distinctive. Our new article sets out how banks can take a structured, practical approach to digital sovereignty – without sacrificing innovation speed or starting from scratch: 🔹 Diversify across AI models, including European and open-source alternatives 🔹 Migrate regulated and sensitive workloads to European cloud environments 🔹 Retain control of encryption through HYOK mechanisms 🔹 Treat architecture decisions as sovereignty decisions from day one The infrastructure is one piece. The logic that runs on it is another – and it matters just as much. Read the full article here: https://lnkd.in/etRd7RFn #RolandBerger #DigitalSovereignty #EuropeanBanking Dr. Dominik Löber, Dr. Julian Gulden