Prof. Dr. Detlef Hellenkamp has been head of Banking Department at the Baden-Wuerttemberg Cooperative State University (DHBW) in Stuttgart since 2010. He also teaches on the Master's programme in Finance (M.A.) at the DHBW's Centre for Advanced Studies in Heilbronn. With currently around 34,000 students and over 200,000 alumni, the DHBW is the largest university in Baden-Württemberg. After completing his studies with a degree in business administration, he gained approximately 20 years of practical experience in management positions in the financial sector. He earned his doctorate (Dr. rer. oec.) at the Chair of Corporate Finance and Banking at the University of Wuppertal. Furthermore, he has extensive experience in various advisory roles as a member of supervisory and foundation boards and as an advisory board member. He is the author of numerous publications, including the handbook Bankvertrieb | Theorie und Praxis im Zukunftsdialog (Bank Sales | Theory and Practice in Future Dialogue), published by Springer Gabler Verlag, and the textbook Bankwirtschaft (Banking), now in its third updated and revised edition (2022).

• Introduction and Overview.- Strategic View of a European Financial Industry.- Digital Transformation in the Banking Sector.- Artificial Intelligence Generates Innovation and Risk Awareness in Banks.- Crypto Market 2025: Between Euphoria and Regulation – An Area of Tension for Europe's Credit Institutions.- Changing Demand Behaviour.- Effects of Demographic Development.- Competitive Situation in the Banking Sector – A Brief Overview.

Prof. Dr. Detlef Hellenkamp has been head of Banking Department at the Baden-Wuerttemberg Cooperative State University (DHBW) in Stuttgart since 2010. He also teaches on the Master's programme in Finance (M.A.) at the DHBW's Centre for Advanced Studies in Heilbronn. With currently around 34,000 students and over 200,000 alumni, the DHBW is the largest university in Baden-Württemberg. After completing his studies with a degree in business administration, he gained approximately 20 years of practical experience in management positions in the financial sector. He earned his doctorate (Dr. rer. oec.) at the Chair of Corporate Finance and Banking at the University of Wuppertal. Furthermore, he has extensive experience in various advisory roles as a member of supervisory and foundation boards and as an advisory board member. He is the author of numerous publications, including the handbook Bankvertrieb | Theorie und Praxis im Zukunftsdialog (Bank Sales | Theory and Practice in Future Dialogue), published by Springer Gabler Verlag, and the textbook Bankwirtschaft (Banking), now in its third updated and revised edition (2022).

• Introduction and Overview.- Strategic View of a European Financial Industry.- Digital Transformation in the Banking Sector.- Artificial Intelligence Generates Innovation and Risk Awareness in Banks.- Crypto Market 2025: Between Euphoria and Regulation – An Area of Tension for Europe's Credit Institutions.- Changing Demand Behaviour.- Effects of Demographic Development.- Competitive Situation in the Banking Sector – A Brief Overview.

Prof. Dr. Detlef Hellenkamp has been head of Banking Department at the Baden-Wuerttemberg Cooperative State University (DHBW) in Stuttgart since 2010. He also teaches on the Master's programme in Finance (M.A.) at the DHBW's Centre for Advanced Studies in Heilbronn. With currently around 34,000 students and over 200,000 alumni, the DHBW is the largest university in Baden-Württemberg. After completing his studies with a degree in business administration, he gained approximately 20 years of practical experience in management positions in the financial sector. He earned his doctorate (Dr. rer. oec.) at the Chair of Corporate Finance and Banking at the University of Wuppertal. Furthermore, he has extensive experience in various advisory roles as a member of supervisory and foundation boards and as an advisory board member. He is the author of numerous publications, including the handbook Bankvertrieb | Theorie und Praxis im Zukunftsdialog (Bank Sales | Theory and Practice in Future Dialogue), published by Springer Gabler Verlag, and the textbook Bankwirtschaft (Banking), now in its third updated and revised edition (2022).

• Introduction and Overview.- Strategic View of a European Financial Industry.- Digital Transformation in the Banking Sector.- Artificial Intelligence Generates Innovation and Risk Awareness in Banks.- Crypto Market 2025: Between Euphoria and Regulation – An Area of Tension for Europe's Credit Institutions.- Changing Demand Behaviour.- Effects of Demographic Development.- Competitive Situation in the Banking Sector – A Brief Overview.