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As banks accelerate their AI ambitions, a deeper institutional question emerges. If even Silicon Valley struggles to deploy reliable agentic AI, how should Europe’s financial institutions balance innovation with accountability, governance and the public trust on which banking ultimately depends?
In the United Arab Emirates, AI is moving from advice to execution. As systems begin to act, the challenge shifts from performance to accountability—raising fundamental questions about control, responsibility and the conditions under which autonomous decisions can be trusted.
Most discussions about artificial intelligence begin with innovation. This one should begin with power. SAP is not a visible technology giant in the public imagination. It does not shape culture, consumer behaviour or daily communication. Yet few companies exert more influence over the functioning of the global economy. An estimated 87 percent of worldwide trade touches SAP systems somewhere along its journey. Orders, invoices, customs declarations, supply chains and public-sector processes move through SAP’s logic layers every second of the day.
