DORA: The Digital Operational Resilience Act
What DORA means for IT security in financial institutions and what requirements have applied since January 2025.
Read moreregulation
regulatory outlook 2026–2027
The key regulations for Financial Services in Germany and Switzerland – with interactive impact matrix and recommendations.
Banks & Insurers (Cross-Sector)
Focus: Banks & Capital Markets
Focus: Insurance
Linear axis scaling (range 30–100). Positioning based on qualitative expert assessment (Regulatory Pressure = deadline urgency × breadth of impact × sanction risk; IT Impact = depth of expected system and process changes). As of: March 2026
key takeaways
What the Matrix Shows
01
Highest regulatory density since MiFID II – 2026 brings simultaneous DORA enforcement, AI Act and T+1 Settlement.
02
4 regulations require immediate action – DORA, AI Act, T+1 and AMLA sit in the immediate action quadrant of the matrix.
03
Budget conflicts are inevitable – parallel deadlines for DORA, AI Act and T+1 force sharp prioritisation of IT resources.
04
Switzerland and Germany equally affected – EU regulations extend to Switzerland through equivalence rules and market pressure.
in-depth analysis
Regulations in Detail
DORA: One Year Review
First experiences after one year of DORA enforcement – what works, and where challenges remain.
Read moreT+1 Settlement: The Countdown for German Banks
How the shortening of the settlement cycle fundamentally changes Capital Markets and Asset Management.
Read moreMiCA: Markets in Crypto-Assets Regulation
The EU regulatory framework for crypto assets and its impact on banks and financial service providers.
Read moreEU AI Act: What Banks Need to Know Now
Classification, obligations and timeline of the AI Act for high-risk AI in financial services.
Read moreFiDA: Financial Data Access Regulation
The EU regulation on open data access in the financial sector – the most far-reaching data access rule in EU history.
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