Fineco plans to use artificial intelligence to expand its client base and cut costs through 2029, targeting a sharp acceleration in new money inflows. The digital bank aims for an average low double-digit yearly increase in net client inflows and new clients between 2025 and 2029, compared to a 6% rise during its previous five-year period.

This strategy positions Fineco to significantly outpace its historical growth rates as it scales operations. Fineco also intends to launch a pan-European investment platform by early 2027 to broaden its brokerage services beyond Italy, though this expansion isn't included in the current growth targets. The move reflects the bank's aggressive push to modernize its offerings and capture more market share in the competitive European fintech landscape.