Strategic Alternatives How Commerzbank sees the future of finance
Mar 27, 2026
Dr. Bettina Orlopp, CEO of Commerzbank, a leader in banking strategy and transformation. She discusses AI as a growth and efficiency lever, where it will reshape operations and client lending. She highlights trust and data protection, financing sustainable transitions, tokenized assets and crypto custody, and what will define successful banks going forward.
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AI Will Transform Every Bank Function
- AI will touch every part of the bank and act as a major lever for growth and efficiency.
- Bettina Orlopp says AI frees relationship managers, improves decision speed, and accelerates target achievement across products, processes, and infrastructure.
Audit Processes To Find High-Impact AI Use Cases
- Review all processes, products, and infrastructure to find where AI can make operations faster or prevent failures.
- Orlopp recommends assessing data volumes, client interaction flows, and which lending sectors are most impacted by AI adoption.
Lending Decisions Should Reflect Clients' AI Adoption
- Lenders must evaluate clients by how quickly they adopt AI because that affects credit risk and lending opportunities.
- Orlopp says Commerzbank will target borrowers based on AI adoption speed to shape its loan portfolio.