An in-depth reflection on the effects that technological disruption could generate in the European credit sector appears indispensable. It is essential to anticipate the signs of a possible excessive weakening of traditional institutions and the risks of a reduction in territorial coverage, similar to what has been observed in other production sectors as a result of unregulated or asymmetrically regulated globalization processes. In this scenario, it is necessary to adopt a proactive approach, capable of exploiting the opportunities offered by digital evolution without neglecting present and future challenges.
