The cryptocurrency market continues to develop rapidly and it is clear that digital currencies will have a lasting impact on the financial sector.
Stablecoins are already used in real payment flows. The digital euro is moving from concept to design. In addition, contactless payments and digital wallets, such as Apple Pay and PayPal, are gaining popularity. As well as big tech companies, many banks and credit card providers now offer digital wallet functionality within their mobile apps.
At Sopra Steria, we help banks seize the growing market opportunity, integrate crypto assets into their offering, and position your institution as a key player in financial innovation, attracting new customers and retaining existing ones.
The real question for banks is simple: How do we remain relevant in a multi-wallet, multi-currency world?
of crypto asset holders are interested in an investment offer from their bank.
of consumers in euro‑area countries hold crypto assets, mainly for investment rather than payments.
of investors say they are willing to switch banks to benefit from these services.
Stablecoins are increasingly explored as instruments for faster settlement, improved liquidity management and programmable payments. For banks, the debate is no longer whether stablecoins are here to stay, but which models are compatible with regulation, financial stability and trust. Questions around issuance, backing, governance and interoperability are now central.
In parallel, the digital euro represents a structural shift. Digital currency has the potential to reshape the relationship between cash, deposits, and digital payments. Key design choices, such as distribution models, privacy, offline use and integration into existing wallets, will determine whether banks remain at the centre of customer journeys or become utilities in the background.
Together, stablecoins and the digital euro force banks to rethink their role in the monetary value chain. They touch core topics such as balance sheet impact, customer experience, sovereignty, and the future of bank-issued money in a platform-driven economy.
To explore these questions in more depth, our white paper on stablecoins and the digital euro provides an analysis of use cases, regulatory considerations and architectural options facing European banks today.
They demand secure platforms, regulatory alignment and integration with existing payment and identity systems.
Read more about Sopra Steria Crypto Solutions
Whether you are exploring digital currencies or preparing for implementation, the right starting point matters.
This page will continue to evolve with new insights, webinars and case-driven content. The future of money is being shaped now. The question is how banks choose to shape it.