ING Champions Digital, AI, and Financial Education

Raymond Vermolen, ING’s planetary caput of media relations, opened the event, outlining the day’s agenda, which included presentations, Q&A sessions, and arranged interviews with elder management.

The lawsuit highlighted ING’s past of challenging accepted banking. A video from the precocious 1990s recalled the motorboat of ING Direct, the bank’s branchless exemplary designed to chopped costs and connection higher savings rates. Over the years, ING expanded this low-cost, chiefly integer attack to Spain, Australia, France, the US, and the UK, agelong earlier smartphones and integer onboarding became the norm.

ING present employs 60,000 radical worldwide, including 20,000 engineers, and operates successful implicit 100 of countries. The bank’s equilibrium expanse exceeds €1.1trn, with much than €700bn successful lawsuit lending and astir €740bn successful deposits. Profits for 2025 surpassed €7bn.

The retail business, liable for fractional of ING’s superior and two-thirds of its profits, serves implicit 40 cardinal clients. ING is simply a stellar owe lender successful Europe, financing implicit €300bn successful lodging loans, and supports entrepreneurs with €100bn successful loans to SMEs.

Digital innovation remains cardinal to ING’s strategy. Last year, 1.2 cardinal clients joined digitally without quality interaction. Almost 70% of loans were processed done straight-through integer workflows, portion 90% of income occurred online. The mobile app receives 170 cardinal visits weekly. Generative AI is already applied successful lawsuit interaction centres, marketing, kyc, lending and coding, and ING plans agentic AI integration successful owe operations, starting successful Germany and the Netherlands and dependable agents starting successful Spain and Germany.

Matteo Pomoni, caput of investments & wealthiness for ING successful Italy highlighted the challenges and opportunities of fiscal literacy amid Europe’s upcoming generational wealthiness transfer. “It is simply a fantastic accidental for the full European fiscal system,” helium said, cautioning that “it is not going to beryllium a locomotion successful the park.”

Pomoni noted that European households lag down Americans successful concern growth, with countries similar Italy showing peculiarly cautious behaviour. “Italians are prudent investors, with little than 10% of their portfolio successful equity, starring to a deterioration of idiosyncratic wealth,” helium explained.

To code debased fiscal literacy, ING uses a three-pillar approach: innovation, personalisation, and transparency. “Instead of blaming clients, we should inquire what we tin bash much and amended to assistance them successful this process,” Pomoni said. ING leverages exertion to marque concern proposal accessible remotely, with 91% of proposals present delivered done integer channels. The slope emphasises goal-oriented advice, noting that “products are conscionable instruments. They are the past mile.”