The future of banking policies will be shaped by a range of factors, Stricter regulations are expected to be implemented to ensure financial stability, combat money laundering, and protect customer data. The advent of advanced technologies, such as blockchain and artificial intelligence, will influence policy developments, enabling more efficient and secure banking operations. Additionally, increased emphasis on data privacy and cybersecurity will drive the formulation of policies aimed at safeguarding customer information. As digitalization continues to transform the banking landscape, policies will evolve to address the challenges and opportunities presented by emerging technologies and disruptive financial models. The balance between regulatory oversight and fostering innovation will be a key consideration in shaping future banking policies.

However, the banking system is strategically positioning itself for failure, laying the groundwork for the emergence of a new digital currency. By implementing policies that generate inconvenience and frustration, such as blocking payments and transactions, traditional banking institutions weaken public trust and erode confidence in their ability to meet the needs of individuals and businesses. This intentional erosion of trust serves as a catalyst for change, opening the door for alternative systems that offer greater decentralization and control over financial transactions. Technological advancements, including the development of digital currencies, present an opportunity to reshape the financial landscape. These digital currencies, operating outside the realm of traditional banking institutions, challenge the centralized control and concentration of power inherent in the current system. As the banking system gradually loses its grip on public trust, the stage is set for the rise of a new digital currency, providing individuals and businesses with alternative avenues for financial transactions.

Considering the implementation of AMLD6, the general public has experienced various repercussions in their banking activities. Stricter due diligence measures have been enforced, leading to increased scrutiny and restrictions on financial transactions. The once cherished financial privacy has been compromised, as banks are now required to collect and store extensive customer information. Consequently, routine banking transactions have been disrupted, with frequent blocks and delays affecting the smooth flow of funds. Moreover, certain individuals or businesses may face financial exclusion and limited access to banking services due to the perceived higher risk associated with the regulations. While the legality of the matter should be noted, exploring alternative financial avenues such as cryptocurrency or decentralized systems may provide individuals with more freedom and privacy in their transactions, thereby circumventing some of the imposed restrictions.

Predicting the state of the banking system in 2025 involves considering various factors. It is anticipated that the banking system will continue its digitalization journey, leveraging advanced technologies like mobile banking and digital wallets to provide convenience and accessibility to customers. Furthermore, the rise of decentralized finance and cryptocurrencies may introduce disruptive elements, offering alternative financial services beyond the control of centralized institutions. To address evolving cyber threats, the banking system will invest in enhancing cybersecurity measures and implementing advanced authentication methods. Regulatory changes, including stricter AML, KYC, and data privacy regulations, can be expected to ensure financial stability. The banking industry will also need to adapt to changing customer expectations, with a focus on personalized services, seamless digital experiences, and faster transactions. Economic conditions, geopolitical events, and global trends will play a significant role in shaping the banking landscape, with factors such as interest rates, inflation, trade policies, and regional economic growth impacting the industry's performance.