What will be the biggest challenge for finance in the next decade?

The biggest challenge is gonna be for the human capital to keep up with AI and Machine Learning programms focused on market trends. Human capital is fundamental but specially in the quantitative field, can be replaceable, understanding this issue and modeling the artifician intelligence in finance in a way that humans are still necessary is mandatory

Hi There!

A strong way to answer this is to pick one theme you can speak about confidently and link it to both industry impact and your personal perspective. For example, you could say the biggest challenge for finance in the next decade will be adapting to rapid technological disruption, particularly how AI, digital assets, and automation reshape capital markets, risk management, and client expectations. 

The challenge isn’t just adopting new tools but ensuring regulatory frameworks, ethical standards, and talent development keep pace so firms can maintain trust and stability. Framing it this way shows you can think critically about the future, balance opportunity with risk, and connect broader trends to practical implications for the industry.

Hi,

if this comes up in an interview, the goal isn’t to predict the future perfectly but to show that you can structure an argument. One example is to focus on sustainability. You could say that finance will face the challenge of directing capital into greener projects while still keeping returns attractive. That creates tension between long-term responsibility and short-term performance. This way you give a concrete answer and at the same time show structured and logical reasoning, which is what interviewers usually look for.

I’d say the biggest challenge is adapting to the intersection of tech, regulation, and sustainability. Finance needs to digitize operations, manage rising data and cyber risks, stay ahead of evolving regulations, and shift capital toward greener, more sustainable investments—all without losing trust or profitability.

In a personal fit interview, I’d link it to my interests or goals, like:

"I believe finance will be challenged to balance innovation—like AI and blockchain—with responsible governance and ESG pressure. That excites me because I’m interested in how financial institutions can lead the shift to more sustainable and tech-driven economies while staying accountable and resilient."