Mar 01, 2026
3 min read
Panetta emphasizes the stability of Italian banks as an incentive for growth, investment and innovation.Between numbers and the importance of human communication, the ECB's credit study aims to prevent new risks without encouraging debt.AI forward, but the center of the person
Comments and guidance from Italy on its banking system, credit quality and the ECB's monitoring of lending in the region.Fabio Panetta, Governor of the Bank of Italy, did not pay enough attention to this point in his speech at the Assiom Forex conference, where he said that the stability achieved by the Bank of Italy is an element of national stability.He then says that by converting these strengths into support for investment, innovation and the spread of digital technologies, intermediaries will fundamentally contribute to the growth of our economy.
Now we think about how the digital banks themselves work: here we face the first important and documented challenges in the sector, which lead to the use of various digital innovations and record important statements on customer expectations and expectations, as shown by the ABI survey, the growth of customers in non-financial services and the support of the local tax sector, among others.
This raises another question.Never assume that human contact at the counter will soon be eliminated and everything will be absorbed into remote operation.In fact, it should be possible to turn the direct relationship between branches and customers into a competitive factor.This reminds us of the need to provide banking services even in many demobilized centers, even through non-traditional distribution methods, through alternative means and consortium forms, and through creating an integration of economic reasons and territorial interests.
The above content can also be related to the survey of new bank loans promoted by the European Central Bank and will be launched in early March.As MF Milan wrote last Thursday, it aims to avoid the accumulation of bad loans by taking the main risk indicators.Overall, lending increased today but there are no signs of major deterioration.Hopefully the rules of this research can be simplified and the human element is not left aside.It is impossible to vacillate between, on the one hand, the implementation of strict rules with a certain degree of regulation, and, on the other hand, a review of bankers' responsibilities and plans, like the inspections carried out by representatives of the ECB supervisory body.
As it usually happens, the results of the investigation will be directed to the attention of the banks anonymously and will be important, accordingly, public information is also provided.There is a responsible task that begins with highlighting the benefits of these findings and possible causes for new interventions.The ECB should not focus too much attention on the part of bankers to give loans, so the importance of a person's ability to analyze, to give weight due to opportunities, to have credit.
Artificial intelligence deserves a special discussion, financing both its introduction to entrusted companies and its adoption by banks, which can take the lead in this area.Reference is also made from time to time to the disadvantages of bubble formation.In fact, it is a technological revolution that must be examined in all its aspects and, especially for banks, requires the involvement of all parties involved in different ways, starting with social.
Chairman Abi Antonio Patuelli recently mentioned technological humanism in terms of the role of people who do not fail and cannot fail even in the case of the latest inventions created by artificial intelligence.On the union side, concerns are being raised that the result may be contradictory, considering the position expressed several times by Fabi's Secretary-General Lando Scioni.
Finally, investigations like this one by the European Central Bank, due to the diversity of their objectives, can be the basis for strengthening the banking system, first of all with the aim of better protecting savings.(reproduction reserved)
