Mastercard and Santander completed Europe’s first live end-to-end payment using an artificial intelligence agent, according to a Monday (March 2) news release.By completing this form, you agree to receive marketing communications from PYMNTS and to the sharing of your information with our sponsor, if applicable, in accordance with our Privacy Policy and Terms and Conditions .Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required.The tra ...

Core Viewpoint - Sanofi's rilzabrutinib has received orphan drug designation in Japan for the treatment of IgG4-related disease, addressing a significant unmet medical need in this rare condition [1][7]. Group 1: Rilzabrutinib's Designation and Clinical Evaluation - The Ministry of Health, Labour and Welfare in Japan granted orphan drug designation to rilzabrutinib for IgG4-RD, highlighting the limited treatment options available for this rare disease [1]. - Rilzabrutinib was evaluated in a phase 2 study, showing a reduction in disease flares and other markers over 52 weeks, while minimizing the need for glucocorticoids [2]. - The safety profile of rilzabrutinib in the phase 2 study was consistent with previous studies, with no new safety signals observed [2]. Group 2: Broader Applications and Regulatory Status - Rilzabrutinib is being studied for multiple rare immune-mediated diseases and received approval for immune thrombocytopenia (ITP) in the US, EU, and UAE in 2025 [3]. - The drug is currently under regulatory review for ITP in Japan and has received expedited designations for various conditions, including IgG4-RD [3]. - Other than the approved ITP indications, the uses of rilzabrutinib for IgG4-RD and other conditions remain investigational [3]. Group 3: Mechanism and Potential Impact - Rilzabrutinib is a novel, oral, reversible covalent BTK inhibitor that aims to restore immune balance through multi-immune modulation [4]. - The drug targets BTK, which plays a critical role in immune-mediated disease processes, indicating its potential effectiveness in treating several rare diseases [4]. - The global prevalence of IgG4-RD is unknown due to its rarity and diagnostic challenges, emphasizing the need for effective treatments like rilzabrutinib [5]. Group 4: Company Overview - Sanofi is an R&D driven biopharma company focused on improving lives through innovative medicines and vaccines, with a commitment to addressing urgent healthcare challenges [6]. - The company is listed on EURONEXT: SAN and NASDAQ: SNY, indicating its presence in major financial markets [6].

Core Viewpoint - Banco Santander, S.A. has shown significant growth, with a stock increase of 142% over the past 12 months, and is pursuing strategic acquisitions to enhance its market position in the U.S. [2] Company Overview - Banco Santander, S.A. provides a range of financial services including banking, financing, investment, and insurance to individuals, businesses, and public institutions [2]. - The company is focused on lending, wealth management, payments, and digital banking [2]. Recent Developments - The company reported excellent full-year results, indicating strong financial performance [2]. - Banco Santander is acquiring Webster Financial, a community bank in Connecticut, as part of its strategy to dominate the northeastern United States [2]. Future Goals - The company aims to achieve a 20% return on tangible equity by 2028, positioning itself to become one of the most profitable banks globally [2].

Core Insights - The Santander Investor Day 2026 emphasizes the company's strong positioning for future growth amidst significant global changes [1] Group 1: Management Team Introduction - The management team is introduced, led by Executive Chair Ana Botin, CEO Hector Grisi, and CFO Jose Garcia Cantera [1] Group 2: Event Logistics - The event includes presentations from Ana Botin and Hector Grisi, followed by a short break before additional presentations [2]

Core Viewpoint - The analysis expresses a cautious stance on Banco Santander, indicating that the bank's shares are currently trading at a premium valuation compared to historical values, following a strong rally over the past year [1]. Group 1: Company Analysis - Banco Santander's share price has experienced a significant rally over the past year, leading to a premium valuation [1]. - The analyst suggests that the current valuation may not be sustainable, indicating potential overvaluation concerns for investors [1]. Group 2: Analyst Background - The analyst has over 18 years of experience in the financial markets, specializing in the financial sector and portfolio management [1].

桑坦德银行预期其人工智能投资将通过削减成本和增长收入带来10亿欧元的商业价值。 桑坦德银行不是唯一从AI中获益的银行。随着项目从试点转向生产，报告从该技术中获得生产力提升 的英国银行数量翻了一番。 根据劳埃德银行集团最新的金融机构情绪调查，59%的受访公司报告在过去12个月中获得了AI驱动的生 产力提升，而2024年调查中这一比例为32%。 在伦敦举行的活动中，这家西班牙传统银行展示了未来两年的计划，表示数据和AI是其更广泛的One Transformation数字化项目的重要组成部分。 在投资者活动中，桑坦德银行提出了2026-28年计划，目标是将客户基础从目前的1.8亿增长到2028年的 2亿。桑坦德银行去年宣布计划收购TSB银行，这将使该银行在英国的客户基础增长约500万。 该银行还概述了数据和人工智能到2028年将带来的商业价值。 银行表示，预计到2028年，将从数据和AI举措中每年产生超过10亿欧元的商业价值，包括成本节约和 收入增长。 "对数据和AI的投资是One Transformation的关键杠杆，完全嵌入到业务中，专注于超个性化客户旅程、 AI驱动的前线生产力和端到端流程自动化，"桑坦德银 ...

Core Viewpoint - The European Medicines Agency's Committee for Medicinal Products for Human Use (CHMP) has recommended the approval of Dupixent (dupilumab) for treating chronic spontaneous urticaria (CSU) in children aged two to 11 years who have moderate-to-severe symptoms despite treatment with antihistamines [1][2]. Group 1: Product Approval and Clinical Studies - Dupixent's positive opinion is based on data from the LIBERTY-CUPID clinical study program, which includes two phase 3 studies and a single-arm phase 3 study involving children aged two to 11 years [2]. - In the US, a supplemental biologics license application for Dupixent in children aged two to 11 years with CSU has been accepted for review, with a decision expected by April 2026 [3]. Group 2: Disease Background and Treatment Options - Chronic spontaneous urticaria (CSU) is a chronic inflammatory skin disease characterized by debilitating hives and recurring itch, often inadequately controlled by standard antihistamine treatments [5]. - Many patients with CSU experience uncontrolled symptoms despite treatment, leading to a significant impact on their quality of life [5]. Group 3: Dupixent Overview - Dupixent is a fully human monoclonal antibody that inhibits interleukin-4 (IL4) and interleukin-13 (IL13) signaling pathways, which are key drivers of type 2 inflammation [6]. - The drug has received regulatory approvals in over 60 countries for various indications, including CSU, and is currently being used to treat more than 1.4 million patients globally [7]. Group 4: Development and Future Prospects - Dupilumab is being jointly developed by Sanofi and Regeneron, with over 60 clinical studies involving more than 12,000 patients conducted to date [8]. - Sanofi and Regeneron are exploring additional indications for Dupixent, including chronic pruritus of unknown origin and lichen simplex chronicus, which are currently under clinical investigation [9].

Core Insights - Market Financial Solutions (MFS) has entered bankruptcy proceedings, impacting several investment banks including Barclays [1] - MFS was involved in arranging over £2 billion in loans, with allegations of financial misconduct leading to its collapse [1] - The case against MFS includes accusations of fraud and asset double-pledging, as noted by the presiding judge [1] Company Impact - Barclays and Atlas SP Partners were among the companies that assisted MFS in loan arrangements exceeding £2 billion [1] - Other lenders involved include Santander and Castlelake, indicating a broader impact on the financial sector [1] - Jefferies has also been reported to have exposure to MFS, highlighting potential risks for multiple financial institutions [1]

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 For the month of February, 2026 Commission File Number: 001-12518 Banco Santander, S.A. (Exact name of registrant as specified in its charter) Ciudad Grupo Santander 28660 Boadilla del Monte (Madrid) Spain (Address of principal executive office) Indicate by check mark whether the registrant files or will file annual reports under cover of Form 2 ...

Core Insights - Banco Santander aims to leverage artificial intelligence to enhance profitability and customer base over the next 24 months [1] - The bank targets a profit exceeding 20 billion euros (approximately $23.6 billion) by 2028, up from a record attributable profit of 14.1 billion euros (about $16.7 billion) achieved in 2025 [2] - Santander plans to grow its customer base to over 210 million by 2028, increasing from 180 million at the end of 2025 [2] Strategic Goals - The bank's strategy includes disciplined execution of the ONE Transformation initiative, which focuses on scaling common technology platforms to improve efficiency [3] - Santander expects an efficiency ratio of approximately 36% and a return on tangible equity (RoTE) above 20% by 2028 [3] Investment and Growth - Investments in data and AI are expected to generate over 1 billion euros annually in cost savings and revenues, contributing about 1 percentage point to cost-to-income improvement [7] - Santander anticipates mid-single-digit percentage revenue growth and annual cost reductions, supporting its profit goal of over 20 billion euros by 2028 [8] Expansion Plans - The bank plans to expand its presence in the U.S. by acquiring Webster Bank's holding company for $12.2 billion, with the transaction expected to close in the second half of the year [8] - Upon completion, the combined entity will rank among the top 10 retail and commercial banks in the U.S. by assets and among the top five deposit franchises in key Northeastern states [9]