CASE STUDY BOOK
ORIENT COMMERCIAL JOINT STOCK BANK: CUSTOMER-ORIENTED.
Orient Commercial Joint Stock Bank (OCB) is one of the largest banks in Vietnam, enjoying a leading position on the domestic market. It has nearly 200 trading units in all major cities and economic zones in the country and employs about 6,000 people. It aims to become a financial institution distinguished by top-quality, fully-digital services. The bank has been developing very dynamically. In 2018, OCB’s profit amounted to over EUR 68.35 million, and a year later it increased to EUR 124 million.
The banking sector in Vietnam is characterized by high growth dynamics. It includes over 40 domestic and international players, which makes it a highly competitive environment. Therefore, in order to attract as many new customers as possible it is necessary to be a market leader. Vietnamese consumers value technology and innovation much more than in other countries. Their expectations have become the catalyst for the launch of a new, intuitive Internet and mobile banking system responding to the needs of users and allowing for a flexible creation of an offer. In order to reach that goal, OCB chose the Asseco Customer Banking Platform (Asseco CBP) – an Internet and mobile banking system providing institutions with unlimited possibilities in offering new products and services. The implementation was conducted by Asseco Central Europe (Asseco CE) in cooperation with Asseco Poland.
The functional scope of the project, which began in 2017, included the implementation of the Asseco CBP system, which offers a wide range of possibilities to adapt the Internet banking functionality to the needs and habits of clients, both by themselves and the bank. The system was based on an omnichannel platform, which made it possible to build an environment ensuring consistent customer service, in which a client freely migrates between access channels and chooses the most convenient time and way to access the bank. What is important, a client gets the same high standard of service in every channel. In turn, OCB has gained a source of valuable knowledge about how and when clients use its banking and what they need at a given moment.
The system’s modern architecture has made it possible to adapt Asseco CBP efficiently to the requirements of both the bank and its clients. It has been based on the unique concept of mini-applications, which allows users to freely shape their banking and take advantage of the wide range of products available on the remote access platform. Therefore, the bank is able to implement and launch new services faster, thus shortening the time of their market launch.
The system is used by almost 100,000 active clients on a daily basis and their number has been constantly growing. The most frequently used features are Accounts management, Payments (Internal, External, Fast transfer 24/7), Standing orders, Savings, Bill payment, Cards, Loans, Deposits, e-Wallet, Loyalty. 45% of credit cards in the bank are sold exclusively through its digital channels.
The biggest challenge for this project was to adapt it to the cultural and market specificity of this vibrant country. It was important to meet the high expectations of the Vietnamese, who are not interested in the contemporary, business-as-usual (i.e ordinary) banking. They only focus on top-notch innovations and latest technology perks. That is why it was so important to bring these perks to the production, because only such an approach could enable the bank to become the innovation leader.
The project ended in April 2019 and was carried out in a very short time. The period from the first analysis to the production launch of the system lasted only 9 months, and 3 months later the bank’s clients could already use the solution. Asseco also provided OCB with warranty services for one year.
The delivery was carried out by Asseco CE and Asseco Poland both remotely and onsite. The two companies worked closely with experienced professionals from Slovakia, the Czech Republic and Vietnam, including a local partner company Fintek based in Ho Chi Minh City. The success of this project has marked the beginning of a long-term cooperation between Asseco and OCB, which is also planning to implement the Asseco Advisory Banking Platform (Asseco ABP) – a solution supporting the work of advisors. It enables the use of a unified and coherent customer service interface, regardless of the systems used in the bank.
The Asseco system and its implementation have provided the institution with a solid market advantage, making OCB the leader in omnichannel banking in Vietnam. The project has been appreciated by both clients and industry experts, thanks to which the bank has been honored several times for its achievements in innovation. In 2018 it won the “Best New Omnichannel Platform” award and in 2019 the “Asia Pacific Entrepreneurship Awards”. In the same years, it received the prestigious “International Finance Award for Digital Banking” from IMF Magazine in the UK.
The implemented solution has enabled the bank to meet the expectations of demanding customers. It has also provided OCB with an efficient tool allowing it to offer new products and services. This has translated not only into increased sales, but has been also appreciated by private investors and international funds. They have assessed the changes in the bank’s approach very positively, which has resulted in several very attractive investment offers. By leveraging these investments the OCB will be able to continue its growth and maintain the market leader position.
Project in numbers.
prestigious awards for the project implementation
months passed until the system’s production launch
of credit cards sold in digital channels
customers using the solution
„The modernization of the bank and its online services was the main goal of the Asseco Customer Banking Platform’s implementation in Vietnamese Orient Commercial Bank. This solution has created a modern and user-friendly environment for the clients of this institution” – said Jozef Klein, CEO of Asseco Central Europe.
„Asseco is not only a leading provider of software for financial institutions in Poland, but has been also consistently building its position on foreign markets. It offers software and provides services to banks in over 30 countries, and the agreement with Orient Commercial Joint Stock Bank is another step towards strengthening our Group’s international position. It is also a good example of the fact that Asseco’s solutions have gained the recognition of institutions from various parts of the world. What is most important, they also meet the high expectations of users, especially demanding ones like those in Vietnam” – said Zbigniew Pomianek, Vice President of the Management Board, Asseco Poland.
VOLKSWAGEN BANK: HIGHER GEAR OF CORPORATE BANKING.
Volkswagen Bank GmbH Sp. z o.o. Branch in Poland (Volkswagen Bank) is an institution that provides banking services related to the purchase and operation of cars, including Volkswagen, Audi, SEAT, ŠKODA and Porsche brands. It is part of Volkswagen Financial Services (VFS), which also offers leasing services and service packages to individual and business customers. Many years of experience gained on foreign markets make the financing of vehicle purchase the field in which the bank is the best specialist. It guarantees not only professional service and the security of all concluded transactions, but also focuses on the constant improvement of the offer for its clients.
It was the desire to continuously improve the quality of provided services that influenced Volkswagen Bank’s decision to implement innovative technological tools that would allow for the optimization of many corporate banking processes and enable the efficient adjustment of the institution to the regulator’s requirements. The Bank was looking for a proven solution which would improve, among others, the service of enterprises and allow to build a permanent competitive advantage. The solution was to be characterized not only by an open architecture, but also by flexibility, enabling the efficient management of the product portfolio and the safe and quick implementation of changes. Therefore, Volkswagen Bank decided to continue its cooperation with Asseco Poland, which was responsible for the implementation of the Asseco Enterprise Banking Platform (Asseco EBP) – an omni-channel electronic banking system for business.
The project began in November 2018 and was divided into two stages. The first one assumed the implementation of new electronic banking. In the next one, Asseco carried out the migration of clients from the old def3000/CEB solution to the new one.
The new transaction system is based on the concept of mini-applications, which allows the Bank to shape and launch banking products and services in the Internet banking system free of charge and quickly. Thanks to a wide range of functionalities, it provides comprehensive support for entrepreneurs in the area of financial services. At the same time, it ensures integration with the financial and accounting systems of corporate customers and the security of executed transactions.
Under the project, Asseco has implemented the following mini-applications: Accounts, Transfers, Deposits, Cards, Loans, Messages and Applications. Additionally, it has moved e-banking solutions from the bank’s infrastructure to the Data Processing Centre (CPD) in Wrocław. In order to reach these goals, the implementation team had to develop a new model of cooperation at the operational and maintenance level.
During the project, the bank decided to implement the Asseco Open Banking API (Asseco OBA). This resulted from the need to meet the requirements of the European Union PSD II Directive, which defines the principles of cooperation between banks and payment service providers, i.e. the so-called TPP (Third Party Providers) in the area of open banking. It was also connected with the introduction of the so-called Strong Customer Authentication, which guarantees a higher level of credibility and resistance to fraud. Therefore, the project team implemented a mobile application for order authorization – Asseco MAA (Mobile Authorization and Authentication), which uses PUSH messages as an alternative to SMS messages.
A big challenge in this part of the project was the date of entry into force of the new regulations, but thanks to the efficient organization of work, the implementation team introduced all changes on time. It was composed of over 70 Asseco experts and the bank’s 20 employees who worked closely together at each stage of the implementation.
- Providing solution for UAT tests
- Preparation of CPD infrastructure for installation of systems
- Implementation of new electronic banking
- Migration of bank’s clients to new Asseco EBP system
- Provision and pairing of Asseco MAA mobile token
- Stabilization of solution
- Preparation of infrastructure and implementation of Asseco OBA
The implementation has allowed Volkswagen Bank to develop its omni-channel strategy and build a lasting competitive advantage. Thanks to Asseco EBP, the client is free to decide which banking service and communication channel they will use. In addition, the activity initiated in one channel is continued in another, without losing data or quality.
The new electronic banking has provided the customers of Volkswagen Bank with an efficient and quick access to modern banking products. Thanks to the application of RWD (Responsive Web Design) they can use their banking on both stationary and mobile devices. They also have the possibility of a mobile authorization of ordered instructions, which now takes place with a single click.
The implementation of the project has enabled the efficient management of the bank’s portfolio and significantly accelerated the launch of the new offer on the market. It has also established the bank’s position as a partner for business, which not only watches over and helps to manage a company’s finances, but also recognizes its needs and helps implement them.
Thanks to the implementation of the omni-channel platform, on which the new e-banking is based, the bank has gained the opportunity to cooperate with fintech companies that can deliver new mini-applications without the involvement of Asseco. In turn, the introduction of a two-stage authentication has significantly improved the security of operations; the implementation of the Asseco MAA mobile token has reduced the costs of SMS messaging.
Project in numbers:
year to implement Asseco EBP
new solutions for business
persons from bank involved
persons from Asseco involved
companies have gained access to modern banking
customers migrated to new system
migrated real accounts
„Modern corporate banking requires a fresh look at a company and providing it with effective and secure financial management. Companies expect individual and professional approach, as well as efficient and flexible service. Therefore, the key issue is to use modern omni-channel systems, which completely change the philosophy of functioning of financial institutions. Thanks to the project implementation, Volkswagen Bank is able to better identify clients’ needs and thus create a tailor-made offer” – said Mariusz Karchut, Key Account Manager, Asseco Poland.
„A financial institution’s reaction speed is very important for companies. This is a key issue especially in cases where waiting for a bank’s decision may bear financial consequences for a company. Therefore, Volkswagen Bank has relied on modern Asseco’s solutions for corporate banking, thanks to which it could improve a number of business processes” – said Marek Lulek, Deputy Director of Commercial Banks Division, Asseco Poland.
„As a financial institution, we are aware that the security of funds and the simplicity of solutions that enable efficient financial management are issues of utmost importance to clients. We are constantly striving to create an offer based on innovation, so that our customers have access to all services in one place. Our offer is one of the best on the market, which is confirmed by the second place in the July ranking of company accounts of the Bankier.pl portal. Thanks to our cooperation with Asseco, which has lasted for over 20 years, we have been successfully adapting to market changes and introducing digital solutions for our clients. Therefore, we have decided to implement an omni-channel electronic banking system and an interface corresponding to the open banking API standard. Currently, together with Asseco, we are working on the development of a hybrid application that will enable the use of our offer on all mobile devices. We strive to be a pioneer in the provision of financial services and we believe that our solutions will achieve the intended goal” – said Ronald Kulikowski, Director of Volkswagen Bank GmbH sp. z o.o. Branch in Poland.
„Volkswagen Bank GmbH Branch in Poland offers financial products to both corporate and individual customers. We were among the first in Poland to introduce internet banking, which we have been adapting to new regulatory requirements and market trends. We are constantly improving our solutions so that the customer path is as intuitive as possible and at the same time safe. We want our clients to be able to manage their finances in a simple and easy way. That is why we decided to implement one of the most secure authorization methods, namely VWFS Mobile Token. This allows us to protect our clients’ transactions against increasing hacking attacks, in accordance with the highest standards adjusted to PSD2 regulations. Our activities allow us to build a competitive advantage and, most importantly, to maintain customer satisfaction at the highest level” – said Daria Pawęda, Director of the Development and Customer Service Department, Volkswagen Bank GmbH sp. z o.o. Branch in Poland.
BANK GOSPODARSTWA KRAJOWEGO: FRAUD RESISTANT.
Bank Gospodarstwa Krajowego (BGK) is a state-controlled financial institution whose goal is to support the social and economic development of Poland and the public sector. The bank also initiates and participates in the cooperation between business, public sector and financial institutions. It plays a significant role in the implementation of the Strategy for Responsible Development, which is the Polish state’s key document for shaping mid- and long-term economic policy. Finally, the bank is responsible for handling governmental financial programs and distributing related funds among others.
Like most banks in Europe, in 2018 BGK was faced with the challenge of introducing the EU IV AML Directive, to which the Polish law was adapted by the Anti-Money Laundering and Terrorist Financing Act. It introduced a number of provisions forcing financial institutions to change their approach to eliminating events leading to abuse. It was the legislative changes that made BGK decide to implement a solution that would enable it to meet the Act’s requirements, including efficient transaction reporting to the Regulator – General Inspector of Financial Information (GIIF). The bank’s authorities wanted the new system to ensure not only effective AML prevention, but also to be tailored to the specifics of the institution’s activities and internal procedures. Growing time pressure and high dynamics of changes in the new law’s provision made BGK decide to cooperate with a proven IT provider. It considered Asseco Poland to be the best to achieve this objective. The company was entrusted with the task to implement the Asseco Anti-Money Laundering system (Asseco AML).
The project, which began in June 2019, aimed at providing BGK with a modern IT tool for the comprehensive analysis of financial transactions, efficient detection of money laundering events and prevention of other suspicious activities. Asseco AML was also supposed to mitigate internal and external operational risk. To reach that goal, the Company implemented a set of functionalities allowing for:
- reporting transactions to the regulator
- monitoring of transactions
- assessing customer AML risk
- verifying customers and transactions for presence on sanction lists and in the PEP (Politically Exposed Person) database
The project required an adjustment of other BGK systems to the legal changes. This meant that the process of data loading to Asseco AML system from several data sources had to be unified. The combination of all this information was necessary to carry out comprehensive AML Compliance processes. This stage of the project required strong commitment of both the Asseco team and the bank’s employees who verified the correctness of the new functionalities implemented on an ongoing basis.
An undoubted challenge in this project was the short implementation time. It was resulted from the date of entry into force the new method of reporting transactions to the GIIF, which was to take effect on July 13, 2019 – less than a month and a half from the beginning of the project. It was an extremely short period for testing and then launching the tool on production environment.
An additional difficulty was the fact that on June 11, 2019 the Ministry of Finance published new templates of electronic documents which were to be used for reporting transactions to GIIF. Therefore, the project team had to make further modifications to the reporting tool prepared for implementation less than a month before their introduction. The fact that some points in the Polish AML Acts were unclear did not help in adapting the system to the legal changes either. Therefore, in order to avoid any doubts related to the interpretation of certain definitions, terms and concepts, the Asseco team monitored the regulator’s guidelines on an ongoing basis and analyzed all modifications of the provisions in order to verify them thoroughly in terms of possible changes in the system.
Despite time constraints and numerous challenges, the project was carried out at express pace. The system was launched in July 2019 – 2 months after the start of preparatory works related to the implementation. This was thanks to the 13-person Asseco team, which worked closely with BGK’s project team.
As a result of the project implementation, BGK received a modern tool for effective fraud detection, which ensures the automation of analytical and reporting processes while limiting the involvement of employees in manual work. As a result, the AML team can now focus on the in-depth analysis of cases generated by the system and react efficiently within the time frames resulting from legal requirements.
The implementation has made it possible for BGK to streamline and accelerate the transaction reporting process to the GIIF. Each of the registered transactions is validated, which guarantees that the report complies with the requirements imposed by the regulator.
Thanks to equipping the system with a package of business rules, the bank can quickly identify above-threshold and suspicious transactions. It also has the ability to create the pattern of customer behavior in the context of transactions performed by a customer, which enables the detection of abnormal activities.
The implementation of the project has allowed, among other things, to conduct better assessment of customers’ vulnerability to money laundering. Thanks to the efficient analysis, the bank can quickly identify suspicious transactions.
Project in numbers:
months of implementation period
rules supporting AML processes
IT specialists participating in the project
AML risk factors supporting in-depth customer analysis
reports to GIIF generated by system
incidents generated by monitoring rules in operation
operations monitored by system
„The implementation of this project has allowed us to improve the effectiveness of process management in the Compliance area, in the meaning of monitoring and ensuring compliance of the bank’s operations with the applicable legal regulations. The Asseco AML solution has also significantly reduced the possibility of money laundering and improved prevention of other fraudulent activities” – said Anna Trytek, Director of the Compliance Department, Bank Gospodarstwa Krajowego.
„The implementation of the AML system has allowed BGK to prevent fraud more effectively, in particular in the AML area, and to meet the obligations imposed by the regulator. The adaptation of the solution to the specific nature of our business and internal procedures, as well as the automation of analytical and reporting processes, were of great importance in this project. They have allowed to increase the efficiency of operations, while limiting the involvement of employees. As a result, our AML analysts team can focus on the in-depth analysis of the cases generated by the system in the defined time frames, which has recently been significantly shortened by the regulator” – said Jarosław Żółtowski, Director of the Financial Security Office, Bank Gospodarstwa Krajowego.
„The scale of financial crime and the losses recorded by banks due to fraud have been constantly increasing. Additionally, the legal regulations in the AML area generate new obligations and force institutions to implement further client verification procedures. The selection of an appropriate tool supporting the fight against fraud is a key decision impacting the effectiveness of preventive actions and the level of compliance with legal requirements” – said Jarosław Bryl, Business Intelligence Division Director, Asseco Poland.
„The Risk&Compliance systems, including Asseco AML, are developed thanks to many years of experience, analyses and cooperation with financial market institutions and law firms. To meet the contemporary market needs, we employ highly competent mathematicians and programmers in our teams, as well as experts with many years of experience in compliance. At the same time, we are constantly cooperating with financial institutions, thanks to which our systems are very well adapted both to the changes taking place in their business environment and to the high dynamics of the regulatory environment as well as internal procedures and processes” – said Marcin Cegliński, Head of the Compliance Systems Team, Asseco Poland.
UNICREDIT BANK: SIGNED BY TECHNOLOGY.
Fuelled by a constant search for enhanced customer experience and cost efficiencies, modern banking is striving for optimization of its processes by leveraging the latest technologies. With the digital landscape incorporated in today’s busy lifestyles, paperless signing and streamlining branch activities have been in focus of many innovative banks. One of them, a pioneer in many domains, UniCredit Bank, has partnered with Payten, member of Asseco, with a goal to establish the first paperless branch in Serbia.
UniCredit Bank Serbia is a member of the UniCredit Group, a successful pan-European commercial bank that also offers investment and corporate banking to its clients. It has an extensive network of branches in Western, Central and Eastern Europe. In addition to many recognitions, in 2019 UniCredit was awarded as The Best Bank in Serbia by two prestigious financial magazines, Euromoney and The Banker.
At the time when UniCredit Bank intended to start the project, the legal landscape in Serbia did not officially recognize paperless signature since the Bill on Electronic Signatures was not approved by the National Parliament yet. For the bank, this meant handling additional procedures, the involvement of the Commissioner for information of public importance and personal data protection, and submitting supporting documentation. However, convinced in the necessity of digital transformation in many aspects, the bank was devoted to finding a way to make the paperless signature processes live and available to its customers, while remaining compliant with the current local laws and regulations.
Furthermore, the project also envisaged integration with certain segments of the bank’s system, which required additional time, detailed analysis and great devotion in order to complete the project successfully.
Payten delivered necessary hardware equipment, including special tablet devices and signature pens, and the software required for completing a cash desk process with a biometric or digital signature. Furthermore, an additional functionality was implemented in the form of a marketing module that enables the display of promotional material on tablet devices.
The project was completed in close cooperation among bank’s dedicated teams from diverse sectors, Payten resources and Euronovate as Payten’s partner. Paperless signing has been enabled by ENSoft, a solution for digital signing and storing of digital signature, with the support of modern tablets ENSign 10 and ENSign 11.
The project’s main stages encompassed marketing module deployment, implementation of biometric and digital signature for the cash desk process, which includes one signatory and one document, and ultimately account opening and loan contracting, which requires multiple signatories and multiple documents.
Why implementing a biometric and digital signature?
With biometric signatures, customers can provide their handwritten signatures on tablets when withdrawing money at a branch office of UniCredit Bank. During the signing process, many elements are measured and tracked, such as the pressure, speed, movement, and a lot of other parameters that make a signature unique. Therefore, it is almost impossible to forge a handwritten signature in any way. Although someone might copy one’s signature in graphic terms, they can hardly copy how one does the signing, which is tracked and stored during the signing process. The signature is at all times kept in a protected signature database.
Certified digital signature refers to the signing process using an ID card, which is another option that UniCredit Bank Serbia implemented in its branch offices. Instead of a signature provided on a tablet, an ID card is read and a qualified digital signature is transferred as part of the document that needs to be signed.
The bank has gained various benefits, some of which will be more visible in the future once the paperless signature process is implemented across other bank processes, such as account opening and loans. At the moment, the cash desk process, which includes pay-in and pay-out with one signature and one document, is digitalized, easier and faster, for both bank agents and customers. Some of the most important advantages encompass:
- Faster completion of transactions
- Cost-saving regarding paper and printing
- Increased transaction security
- Optimization of archiving and search processes
- Automated processing thanks to reduced paperwork
- New marketing opportunities gained by the introduction of the tablets for digital signing
Furthermore, the bank has added value to the services it offers to the existing and new customers using the latest technology that complies with international digital signature standards. The expectations are that, in the future, providing more than one signature on multiple documents will be enabled, such as signatures of two people in different locations at different time.
„UniCredit Bank in Serbia has recognized the requirements of its customers in the digital era and a general tendency of shifting operations to digital channels, while simultaneously balancing security, cost, and convenience of new services. Thanks to our long-standing and successful cooperation with Payten, the paperless signature process was launched in mid-2018 at all branch offices of UniCredit Bank Serbia. We were the first bank to provide this service to its customers on the local market and we look forward to future innovative projects together with Payten” – said Saša Bilanović, Head of Digital Banking, CX and Contact Center, UniCredit Bank Serbia.
Project in numbers:
UniCredit paperless branch offices in Serbia
biometric and digital signatures made in 2018/2019
INTESA SANPAOLO: ENDLESSLY MODERN.
Intesa Sanpaolo is one of the leading banking groups in Europe with about 1,000 branches and 7.2 million customers. It operates in 12 countries, such as Hungary, Croatia, Egypt, Albania, Slovenia, Serbia, Romania, Slovakia. The Group is divided into 6 divisions, each responsible for a different area. One of them is international activity, which is carried out, among others, by 10 banks belonging to the International Subsidiary Banks Division (ISBD).
Intesa Sanpaolo’s goal was to provide customers with a unique and uniform experience in all channels – both digital and traditional. It also wanted to offer its clients the access to advanced banking products and services. Therefore, in 2015, it began the cooperation with Asseco South Eastern Europe (Asseco SEE), a company from the Asseco Group. Its objective was to develop and implement an innovative mobile banking solution in 5 banks belonging to ISBD: CIB Bank in Hungary, Alex Bank in Egypt, Privredna Banka Zagreb in Croatia, Intesa Sanpaolo Bank in Albania and Intesa Sanpaolo Bank in Slovenia.
The goal of the implementation was to create a modern mobile banking system as part of the Intesa Sanpaolo Group’s internal digital transformation project called DigiCal, covering 5 markets: Hungarian, Croatian, Albanian, Egyptian and Slovenian.
Intesa Sanpaolo wanted DigiCal to introduce a completely new quality of customer service. Therefore, in the first phase of the project, instead of focusing on technology, the implementation team started with a thorough analysis of user needs. This approach allowed to create an omni-channel solution that ensures the same experience in all channels. Owing to this, the customer can choose the most convenient way of access to banking and get the same high standard of service.
DigiCal has made available online and mobile banking, as well as wearable and digital customer service applications. The system ensured a comprehensive handling of applications, payments, agreements, sales processes and contextual marketing, which was based on the Adaptive Elements platform. It ensures a rapid development of native mobile applications by reusing adaptive elements. Each of them is implemented on both mobile platforms (iOS and Android), which guarantees the same quality and user experience. This solution is ideal for large scale mobile projects, which require speed and the highest level of security.
A big challenge for such a complex project was not only to adapt the new system to the specifics of each institution, but also to the regulations in force in a given country. This was especially true in Egypt, where the Asseco SEE team had to develop a solution supporting both Arabic language and different spelling, which, unlike in European countries, is right-to-left (RTL).
DigiCal provided 5 banks from the Sanpaolo Group and their clients with access to a modern banking system and innovative forms of payment. It has also been appreciated by industry experts. In March 2016, just after the first implementation of the application in CIB Bank in Hungary, DigiCal received the “Mastercard Bank of the Year” award. Additionally, the system received very high ratings from users, as evidenced by the opinions shared in App Store and Google Play.
„Technology has been changing the DNA of banking. This means that banks need to be prepared for a change in order to build positive and long-term customer relationships. Only those which understand this have a chance to function in such a competitive market. That is why we decided to implement this project. Owing to it we have managed to solve problems resulting from different levels of digital maturity in the countries we operate in. Thanks to DigiCal we have a modern tool that we can adapt efficiently to the needs of each market” – said Maurice Lisi, Director of Omnichannel and CRM Division, Intesa Sanpaolo.
„This project has undoubtedly strengthened the partnership between Asseco SEE and Intesa Sanpaolo Group and opened new opportunities for further cooperation. Thanks to its implementation, we have managed to create an application with a sophisticated technical architecture, innovative mobile features and a visionary approach to user experience. I am convinced that it will help the Intesa Sanpaolo Group to stand out from the competition and take a leading position in this fast-growing and demanding markets” – said Slavko Žnidarić, Mobile Solution Manager, Asseco SEE.