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What are the EY organization's offerings?

^{How EY teams can help you preparing for the Digital Euro}

The introduction of the Digital Euro is expected to reshape operating models, compliance frameworks, IT architectures, and customer engagement strategies. As financial institutions navigate the transformative landscape and new requirements brought about by the introduction of the Digital Euro, the EY organization has highly experienced teams to provide comprehensive support tailored to the specific needs of banks and payment service providers (PSPs).

To accommodate the nature of the Digital Euro as a pan-European initiative and address the corresponding requirements for banks to streamline process, standards or technology, we have set up a dedicated European team that focuses on the Digital Euro. Our Digital Euro Solution team, which is unique in the market, combines deep regulatory expertise, technological know-how, and extensive experience in consulting, helping banks to navigate this transformation holistically.

^{EY’s Digital Euro Framework — a dedicated assessment framework to kick off the internal evaluation}

The introduction of the Digital Euro is more than a regulatory milestone, it is a catalyst for profound change across operating models, technology landscapes, and customer engagement strategies.

To help financial institutions navigate this growing complexity with confidence, EY teams have developed the Digital Euro Framework, an advanced assessment approach underpinned by deep industry expertise, the latest regulatory guidance (including the Digital Euro Rulebook), relevant market insights, and proven EY‑validated methodologies such as the EY Payments Framework.

What is the EY Digital Euro Framework?

The Digital Euro introduces new dimensions, offline functionality, DESP integration, privacy-preserving data flows, and 24/7 instant settlement, that demand holistic readiness. Our framework helps banks move beyond generic analysis to scenario-based insights tailored to their operating model, ensuring they stay ahead of regulatory timelines and competitive pressures.

The framework consolidates knowledge from different sources such as the Digital Euro Rulebook, EY’s payments and banking capability models, SMR insights, and broader market sources into a single, structured methodology. It translates all requirements into concrete banking capabilities and includes a predefined impact rating for each capability (high, medium, low, or none). This enables institutions to:

Accelerate impact assessments across products, business, operations, technology, architecture, compliance, and customer channels.
Identify gaps and prioritize actions based on risk, cost, and strategic relevance.
Accelerate decision-making for investment planning and implementation roadmap for DE adoption.

How can you leverage it?

Together, we leverage the Digital Euro Framework in a 3 phased approach to assess capabilities, estimate effort and prioritize actions — supported by our EY Digital Euro Platform, leveraging latest AI technologies. This is delivered through a series of interactive workshops structured across the following phases:

Initiation and scoping

Map current capabilities to the EY framework.
Consider interdependencies with other EU regulatory initiatives.

Impact assessment

Conduct detailed assessments across business, technology, operations, infrastructure, customer journeys, and regulatory compliance using the EY framework.

Recommendations

High‑level effort estimates
Organization‑specific capability model heat map
Key initiatives classified by cost, complexity, and priority
High‑level implementation roadmap
Strategic options and actionable next steps

Ready to take the next step?

Engage with EY teams to explore how the Digital Euro Framework can accelerate your assessment and position your institution for leadership in the new payments’ era.

^{Upcoming offerings — stay updated on EY’s Digital Euro University and EY’s Digital Euro Platform}

With the Digital Euro project progressing, the live pilot in preparation and a potential implementation to start, the market is expected to see a significant and immediate demand for skills and knowledge, leading to a capability and resource gap.

As the European-wide initiative will impact all market participants simultaneously while introducing new regulation and technical requirements that will continuously evolve, we are excited to announce that EY teams will soon be providing two more dedicated Digital Euro assets, supporting banks in their transformative journey.

1. EY’s Digital Euro University — your innovative learning and education platform

The Digital Euro University (DEU) is a dedicated and innovative learning and education platform designed to support both communications and internal education, ensuring your staff are well-informed and fully prepared for the changes ahead. Far surpassing traditional training, the Digital Euro University keeps your teams continually up to date on regulatory requirements and market developments, while actively supporting collaborative project work across teams and departments.
The platform’s flexible structure allows it to be deployed as an individual or group-wide solution, making it ideal for broader participation within banking groups and fostering cross-organization alignment.
By offering professionally curated content, interactive modules, and real-time regulatory updates, Digital Euro University empowers financial institutions to navigate the transformative impact of the Digital Euro with confidence and agility.
With tailored learning paths, peer-to-peer networking, and expert-led forums, your staff can benchmark against requirements, foster continuous learning and cross-team collaboration, and accelerate onboarding for new projects.
The Digital Euro University seamlessly integrates with your existing organizational processes to encourage a culture of innovation, adaptability, and excellence at all levels, ensuring everyone from newcomers to senior executives remains engaged, informed, and ready to lead.
Whether implemented by a single institution or scaled for a group-wide rollout, it helps drive strategic alignment, strengthen compliance, and secure a distinct competitive edge in an evolving financial landscape marked by the opportunities and challenges of the Digital Euro.

These assets are designed as flexible concepts and can be shaped together to ensure they are tailored to real organizational needs.

2. EY’s Digital Euro Platform — your comprehensive AI-driven implementation platform

The Digital Euro Platform is a pioneering, AI-enabled solution meticulously crafted to guide financial institutions through every stage of their Digital Euro journey.
More than a static repository, this dynamic platform serves as your central command centre for orchestrating the myriad requirements, processes, and regulatory expectations associated with the Digital Euro’s introduction. By seamlessly integrating advanced AI capabilities, the platform empowers your teams to perform detailed gap analyses, automatically monitor compliance, and track project milestones in real time, ensuring that no aspect of your Digital Euro transformation is overlooked.
Its flexible, modular design means the platform can be tailored to your organization’s specific business models, allowing for both industry-wide benchmarks and bespoke, institution-specific requirements.
Teams can collaboratively identify pain points, manage interdependencies, and allocate resources efficiently, all within an intuitive digital environment. The platform’s AI-driven insights help you anticipate regulatory changes, adjust strategies proactively, and accelerate implementation with confidence and transparency.
With features such as readiness dashboards, interactive compliance checklists, and guided workflows, the Digital Euro Platform not only streamlines complex projects but also fosters a culture of continuous improvement and innovation.
Whether you are preparing for initial adoption or navigating ongoing regulatory updates, the platform helps your organization remains agile, compliant, and positioned at the forefront of the evolving payments landscape.
By centralizing expertise and automating key processes, it provides the clarity and structure needed to turn the challenges of the Digital Euro into a distinct competitive advantage and manage your transformation journey at ease.

We encourage you to subscribe to receive first access to information on these innovative tools. Stay ahead of the curve and prepare your organization to thrive in the Digital Euro landscape.