KI im Banking 2026
Was Banking-KI kann — und was sie entscheiden oder ausführen darf.
TORINEL®
CURRENT WORK
Building financial
intelligence for a
banking system
in transition.
Torinel® is the German financial-intelligence publication and research institution I founded to examine how banking, technology and financial decision-making are changing.
VISIT TORINEL.DE →TORINEL®
KI & Banking Research & Analysen News Vergleiche & Tools
RESEARCH & ANALYSEN
CURRENT RESEARCH / 2026
Banking intelligence
as an evidence system.
as an evidence system.
Evidenz → Einordnung → Konsequenz
Geschäftskonto Report 2026
Das Geschäftskonto als Operating Stack — Produkt, Infrastruktur und Arbeitsablauf.
Der Deutsche Einlagenkrieg 2026
Einlagen, Akquisition und die strategische Kontrolle der Kundenbeziehung.
THE CONTINUING
QUESTION
QUESTION
The technology changes.
The question remains:
who controls what comes next?
During the first fintech wave, that meant APIs, platforms, challengers and the unbundling of banking.
Today, the question is increasingly about AI — and whether the next interface to finance will merely display financial decisions or begin making them.
“Torinel® examines
where technology,
markets and regulation
reshape financial
decisions in Germany.”KEVIN MOSERI
WHAT TORINEL®
DOES
DOES
Compare.
Accounts, rates and
financial products.
Investigate.
Market movements,
banking economics
and structural change.
Measure.
The emerging adoption
of AI across German
banking.
Publish.
Research, reports and
informed positions.