![](/media/2xec5th2/cristofer-jeschke-eo_sesctbuo-unsplash-resized-for-website.jpg?width=800&height=450&rnd=133657206889800000)
Edging ever closer to a digital takeover
With risk a consideration in every industry, the banking sector is no exception. European banks are in a state of transformation with closures and mergers left, right and centre and customers being pushed closer towards digital services.
A risk-free journey to becoming carbon neutral?
The EU and EU member states have pledged to become carbon-neutral by 2050. A target which will require energy usage to switch to renewable energy sources on a large scale, but have the financial risks been taken into account?
Team thoughts
![Alex Kirykowicz.jpg](/media/prnedpv1/alex-kirykowicz.jpg?cc=0.142373529026783%2C0.042755469213616712%2C0.38260820916003924%2C0.55641200690872661&width=100&height=56&format=webp&quality=90&autoorient=true&sourceWidth=5588&sourceHeight=3725&rnd=133657200434400000 100w,/media/prnedpv1/alex-kirykowicz.jpg?cc=0.142373529026783%2C0.042755469213616712%2C0.38260820916003924%2C0.55641200690872661&width=200&height=112&format=webp&quality=90&autoorient=true&sourceWidth=5588&sourceHeight=3725&rnd=133657200434400000 200w,/media/prnedpv1/alex-kirykowicz.jpg?cc=0.142373529026783%2C0.042755469213616712%2C0.38260820916003924%2C0.55641200690872661&width=300&height=169&format=webp&quality=90&autoorient=true&sourceWidth=5588&sourceHeight=3725&rnd=133657200434400000 300w,/media/prnedpv1/alex-kirykowicz.jpg?cc=0.142373529026783%2C0.042755469213616712%2C0.38260820916003924%2C0.55641200690872661&width=400&height=225&format=webp&quality=90&autoorient=true&sourceWidth=5588&sourceHeight=3725&rnd=133657200434400000 400w,/media/prnedpv1/alex-kirykowicz.jpg?cc=0.142373529026783%2C0.042755469213616712%2C0.38260820916003924%2C0.55641200690872661&width=500&height=281&format=webp&quality=90&autoorient=true&sourceWidth=5588&sourceHeight=3725&rnd=133657200434400000 500w,/media/prnedpv1/alex-kirykowicz.jpg?cc=0.142373529026783%2C0.042755469213616712%2C0.38260820916003924%2C0.55641200690872661&width=600&height=338&format=webp&quality=90&autoorient=true&sourceWidth=5588&sourceHeight=3725&rnd=133657200434400000 600w,/media/prnedpv1/alex-kirykowicz.jpg?cc=0.142373529026783%2C0.042755469213616712%2C0.38260820916003924%2C0.55641200690872661&width=700&height=394&format=webp&quality=90&autoorient=true&sourceWidth=5588&sourceHeight=3725&rnd=133657200434400000 700w,/media/prnedpv1/alex-kirykowicz.jpg?cc=0.142373529026783%2C0.042755469213616712%2C0.38260820916003924%2C0.55641200690872661&width=800&height=450&format=webp&quality=90&autoorient=true&sourceWidth=5588&sourceHeight=3725&rnd=133657200434400000 800w,/media/prnedpv1/alex-kirykowicz.jpg?cc=0.142373529026783%2C0.042755469213616712%2C0.38260820916003924%2C0.55641200690872661&width=900&height=506&format=webp&quality=90&autoorient=true&sourceWidth=5588&sourceHeight=3725&rnd=133657200434400000 900w,/media/prnedpv1/alex-kirykowicz.jpg?cc=0.142373529026783%2C0.042755469213616712%2C0.38260820916003924%2C0.55641200690872661&width=1000&height=562&format=webp&quality=90&autoorient=true&sourceWidth=5588&sourceHeight=3725&rnd=133657200434400000 1000w,/media/prnedpv1/alex-kirykowicz.jpg?cc=0.142373529026783%2C0.042755469213616712%2C0.38260820916003924%2C0.55641200690872661&width=1100&height=619&format=webp&quality=90&autoorient=true&sourceWidth=5588&sourceHeight=3725&rnd=133657200434400000 1100w,/media/prnedpv1/alex-kirykowicz.jpg?cc=0.142373529026783%2C0.042755469213616712%2C0.38260820916003924%2C0.55641200690872661&width=1200&height=675&format=webp&quality=90&autoorient=true&sourceWidth=5588&sourceHeight=3725&rnd=133657200434400000 1200w,/media/prnedpv1/alex-kirykowicz.jpg?cc=0.142373529026783%2C0.042755469213616712%2C0.38260820916003924%2C0.55641200690872661&width=1300&height=731&format=webp&quality=90&autoorient=true&sourceWidth=5588&sourceHeight=3725&rnd=133657200434400000 1300w,/media/prnedpv1/alex-kirykowicz.jpg?cc=0.142373529026783%2C0.042755469213616712%2C0.38260820916003924%2C0.55641200690872661&width=1400&height=788&format=webp&quality=90&autoorient=true&sourceWidth=5588&sourceHeight=3725&rnd=133657200434400000 1400w,/media/prnedpv1/alex-kirykowicz.jpg?cc=0.142373529026783%2C0.042755469213616712%2C0.38260820916003924%2C0.55641200690872661&width=1500&height=844&format=webp&quality=90&autoorient=true&sourceWidth=5588&sourceHeight=3725&rnd=133657200434400000 1500w,/media/prnedpv1/alex-kirykowicz.jpg?cc=0.142373529026783%2C0.042755469213616712%2C0.38260820916003924%2C0.55641200690872661&width=1600&height=900&format=webp&quality=90&autoorient=true&sourceWidth=5588&sourceHeight=3725&rnd=133657200434400000 1600w,/media/prnedpv1/alex-kirykowicz.jpg?cc=0.142373529026783%2C0.042755469213616712%2C0.38260820916003924%2C0.55641200690872661&width=1700&height=956&format=webp&quality=90&autoorient=true&sourceWidth=5588&sourceHeight=3725&rnd=133657200434400000 1700w,/media/prnedpv1/alex-kirykowicz.jpg?cc=0.142373529026783%2C0.042755469213616712%2C0.38260820916003924%2C0.55641200690872661&width=1800&height=1012&format=webp&quality=90&autoorient=true&sourceWidth=5588&sourceHeight=3725&rnd=133657200434400000 1800w,/media/prnedpv1/alex-kirykowicz.jpg?cc=0.142373529026783%2C0.042755469213616712%2C0.38260820916003924%2C0.55641200690872661&width=1900&height=1069&format=webp&quality=90&autoorient=true&sourceWidth=5588&sourceHeight=3725&rnd=133657200434400000 1900w,/media/prnedpv1/alex-kirykowicz.jpg?cc=0.142373529026783%2C0.042755469213616712%2C0.38260820916003924%2C0.55641200690872661&width=2000&height=1125&format=webp&quality=90&autoorient=true&sourceWidth=5588&sourceHeight=3725&rnd=133657200434400000 2000w)
![Paula Papp website.jpg](/media/mzxnhlex/paula-papp-website.jpg?width=100&height=56&format=webp&quality=90&autoorient=true&sourceWidth=4685&sourceHeight=3176&rnd=133657202115600000 100w,/media/mzxnhlex/paula-papp-website.jpg?width=200&height=112&format=webp&quality=90&autoorient=true&sourceWidth=4685&sourceHeight=3176&rnd=133657202115600000 200w,/media/mzxnhlex/paula-papp-website.jpg?width=300&height=169&format=webp&quality=90&autoorient=true&sourceWidth=4685&sourceHeight=3176&rnd=133657202115600000 300w,/media/mzxnhlex/paula-papp-website.jpg?width=400&height=225&format=webp&quality=90&autoorient=true&sourceWidth=4685&sourceHeight=3176&rnd=133657202115600000 400w,/media/mzxnhlex/paula-papp-website.jpg?width=500&height=281&format=webp&quality=90&autoorient=true&sourceWidth=4685&sourceHeight=3176&rnd=133657202115600000 500w,/media/mzxnhlex/paula-papp-website.jpg?width=600&height=338&format=webp&quality=90&autoorient=true&sourceWidth=4685&sourceHeight=3176&rnd=133657202115600000 600w,/media/mzxnhlex/paula-papp-website.jpg?width=700&height=394&format=webp&quality=90&autoorient=true&sourceWidth=4685&sourceHeight=3176&rnd=133657202115600000 700w,/media/mzxnhlex/paula-papp-website.jpg?width=800&height=450&format=webp&quality=90&autoorient=true&sourceWidth=4685&sourceHeight=3176&rnd=133657202115600000 800w,/media/mzxnhlex/paula-papp-website.jpg?width=900&height=506&format=webp&quality=90&autoorient=true&sourceWidth=4685&sourceHeight=3176&rnd=133657202115600000 900w,/media/mzxnhlex/paula-papp-website.jpg?width=1000&height=562&format=webp&quality=90&autoorient=true&sourceWidth=4685&sourceHeight=3176&rnd=133657202115600000 1000w,/media/mzxnhlex/paula-papp-website.jpg?width=1100&height=619&format=webp&quality=90&autoorient=true&sourceWidth=4685&sourceHeight=3176&rnd=133657202115600000 1100w,/media/mzxnhlex/paula-papp-website.jpg?width=1200&height=675&format=webp&quality=90&autoorient=true&sourceWidth=4685&sourceHeight=3176&rnd=133657202115600000 1200w,/media/mzxnhlex/paula-papp-website.jpg?width=1300&height=731&format=webp&quality=90&autoorient=true&sourceWidth=4685&sourceHeight=3176&rnd=133657202115600000 1300w,/media/mzxnhlex/paula-papp-website.jpg?width=1400&height=788&format=webp&quality=90&autoorient=true&sourceWidth=4685&sourceHeight=3176&rnd=133657202115600000 1400w,/media/mzxnhlex/paula-papp-website.jpg?width=1500&height=844&format=webp&quality=90&autoorient=true&sourceWidth=4685&sourceHeight=3176&rnd=133657202115600000 1500w,/media/mzxnhlex/paula-papp-website.jpg?width=1600&height=900&format=webp&quality=90&autoorient=true&sourceWidth=4685&sourceHeight=3176&rnd=133657202115600000 1600w,/media/mzxnhlex/paula-papp-website.jpg?width=1700&height=956&format=webp&quality=90&autoorient=true&sourceWidth=4685&sourceHeight=3176&rnd=133657202115600000 1700w,/media/mzxnhlex/paula-papp-website.jpg?width=1800&height=1012&format=webp&quality=90&autoorient=true&sourceWidth=4685&sourceHeight=3176&rnd=133657202115600000 1800w,/media/mzxnhlex/paula-papp-website.jpg?width=1900&height=1069&format=webp&quality=90&autoorient=true&sourceWidth=4685&sourceHeight=3176&rnd=133657202115600000 1900w,/media/mzxnhlex/paula-papp-website.jpg?width=2000&height=1125&format=webp&quality=90&autoorient=true&sourceWidth=4685&sourceHeight=3176&rnd=133657202115600000 2000w)
![Christoph Riechmann.jpg](/media/2y3cre1d/christophr.jpg?cc=0.40152411412600186%2C0.0523401138381076%2C0.14864142495561589%2C0.5681120597620074&width=100&height=56&format=webp&quality=90&autoorient=true&sourceWidth=5616&sourceHeight=3744&rnd=133657201419530000 100w,/media/2y3cre1d/christophr.jpg?cc=0.40152411412600186%2C0.0523401138381076%2C0.14864142495561589%2C0.5681120597620074&width=200&height=112&format=webp&quality=90&autoorient=true&sourceWidth=5616&sourceHeight=3744&rnd=133657201419530000 200w,/media/2y3cre1d/christophr.jpg?cc=0.40152411412600186%2C0.0523401138381076%2C0.14864142495561589%2C0.5681120597620074&width=300&height=169&format=webp&quality=90&autoorient=true&sourceWidth=5616&sourceHeight=3744&rnd=133657201419530000 300w,/media/2y3cre1d/christophr.jpg?cc=0.40152411412600186%2C0.0523401138381076%2C0.14864142495561589%2C0.5681120597620074&width=400&height=225&format=webp&quality=90&autoorient=true&sourceWidth=5616&sourceHeight=3744&rnd=133657201419530000 400w,/media/2y3cre1d/christophr.jpg?cc=0.40152411412600186%2C0.0523401138381076%2C0.14864142495561589%2C0.5681120597620074&width=500&height=281&format=webp&quality=90&autoorient=true&sourceWidth=5616&sourceHeight=3744&rnd=133657201419530000 500w,/media/2y3cre1d/christophr.jpg?cc=0.40152411412600186%2C0.0523401138381076%2C0.14864142495561589%2C0.5681120597620074&width=600&height=338&format=webp&quality=90&autoorient=true&sourceWidth=5616&sourceHeight=3744&rnd=133657201419530000 600w,/media/2y3cre1d/christophr.jpg?cc=0.40152411412600186%2C0.0523401138381076%2C0.14864142495561589%2C0.5681120597620074&width=700&height=394&format=webp&quality=90&autoorient=true&sourceWidth=5616&sourceHeight=3744&rnd=133657201419530000 700w,/media/2y3cre1d/christophr.jpg?cc=0.40152411412600186%2C0.0523401138381076%2C0.14864142495561589%2C0.5681120597620074&width=800&height=450&format=webp&quality=90&autoorient=true&sourceWidth=5616&sourceHeight=3744&rnd=133657201419530000 800w,/media/2y3cre1d/christophr.jpg?cc=0.40152411412600186%2C0.0523401138381076%2C0.14864142495561589%2C0.5681120597620074&width=900&height=506&format=webp&quality=90&autoorient=true&sourceWidth=5616&sourceHeight=3744&rnd=133657201419530000 900w,/media/2y3cre1d/christophr.jpg?cc=0.40152411412600186%2C0.0523401138381076%2C0.14864142495561589%2C0.5681120597620074&width=1000&height=562&format=webp&quality=90&autoorient=true&sourceWidth=5616&sourceHeight=3744&rnd=133657201419530000 1000w,/media/2y3cre1d/christophr.jpg?cc=0.40152411412600186%2C0.0523401138381076%2C0.14864142495561589%2C0.5681120597620074&width=1100&height=619&format=webp&quality=90&autoorient=true&sourceWidth=5616&sourceHeight=3744&rnd=133657201419530000 1100w,/media/2y3cre1d/christophr.jpg?cc=0.40152411412600186%2C0.0523401138381076%2C0.14864142495561589%2C0.5681120597620074&width=1200&height=675&format=webp&quality=90&autoorient=true&sourceWidth=5616&sourceHeight=3744&rnd=133657201419530000 1200w,/media/2y3cre1d/christophr.jpg?cc=0.40152411412600186%2C0.0523401138381076%2C0.14864142495561589%2C0.5681120597620074&width=1300&height=731&format=webp&quality=90&autoorient=true&sourceWidth=5616&sourceHeight=3744&rnd=133657201419530000 1300w,/media/2y3cre1d/christophr.jpg?cc=0.40152411412600186%2C0.0523401138381076%2C0.14864142495561589%2C0.5681120597620074&width=1400&height=788&format=webp&quality=90&autoorient=true&sourceWidth=5616&sourceHeight=3744&rnd=133657201419530000 1400w,/media/2y3cre1d/christophr.jpg?cc=0.40152411412600186%2C0.0523401138381076%2C0.14864142495561589%2C0.5681120597620074&width=1500&height=844&format=webp&quality=90&autoorient=true&sourceWidth=5616&sourceHeight=3744&rnd=133657201419530000 1500w,/media/2y3cre1d/christophr.jpg?cc=0.40152411412600186%2C0.0523401138381076%2C0.14864142495561589%2C0.5681120597620074&width=1600&height=900&format=webp&quality=90&autoorient=true&sourceWidth=5616&sourceHeight=3744&rnd=133657201419530000 1600w,/media/2y3cre1d/christophr.jpg?cc=0.40152411412600186%2C0.0523401138381076%2C0.14864142495561589%2C0.5681120597620074&width=1700&height=956&format=webp&quality=90&autoorient=true&sourceWidth=5616&sourceHeight=3744&rnd=133657201419530000 1700w,/media/2y3cre1d/christophr.jpg?cc=0.40152411412600186%2C0.0523401138381076%2C0.14864142495561589%2C0.5681120597620074&width=1800&height=1012&format=webp&quality=90&autoorient=true&sourceWidth=5616&sourceHeight=3744&rnd=133657201419530000 1800w,/media/2y3cre1d/christophr.jpg?cc=0.40152411412600186%2C0.0523401138381076%2C0.14864142495561589%2C0.5681120597620074&width=1900&height=1069&format=webp&quality=90&autoorient=true&sourceWidth=5616&sourceHeight=3744&rnd=133657201419530000 1900w,/media/2y3cre1d/christophr.jpg?cc=0.40152411412600186%2C0.0523401138381076%2C0.14864142495561589%2C0.5681120597620074&width=2000&height=1125&format=webp&quality=90&autoorient=true&sourceWidth=5616&sourceHeight=3744&rnd=133657201419530000 2000w)