From Digital Channels to Intelligent Processes: Asseco Brings a New Era of Banking
Bratislava/Lisbon, October 30, 2025 – Asseco Central Europe, a company that has been building systems for banks since the early 1990s, stood at the birth of the first internet banking solution in Slovakia and carried out the first chip card payment in continental Europe, now presents its vision for a new era of the financial world. While digitalization once meant the shift from paper to screen, banking today is moving further – toward intelligent systems that know their clients and proactively respond to their needs.
According to an exclusive study by Asseco Poland, “Tech-Driven, Client-Centric: New Priorities in SME & Corporate Banking Transformation,” which analyzed leading European financial institutions, as many as 85% of banks consider automation their top priority. Meanwhile, 71% admit having problems providing real-time services, and only 15% currently use artificial intelligence in their daily operations.
The results confirm that small and medium-sized enterprises now expect the same standard as large corporations – speed, personalization, and fully digital services. Therefore, banks are transitioning from traditional models to technology-driven partnerships. As Marta Mróz-Sipiora, Director for Global Development and Innovation at Asseco Poland, explains: “The future of banking lies in working with data and combining artificial intelligence, automation, cloud, and analytics – only then can financial institutions deliver integrated, intelligent, and truly client-centric services.”
When a Bank Acts Before You Ask
While entrepreneurs push banks toward greater efficiency and digitalization, individuals expect a more personal approach and partnership in various life situations. Only a bank that truly knows its customer – their behavior, needs, and financial habits – can, based on data, recognize in advance that an insurance policy is about to expire, that the client regularly buys airline tickets, or that they consistently maintain a higher account balance. Thanks to this, the bank can proactively offer relevant solutions such as a new insurance policy, an investment opportunity, or a warning about potential risks – without the customer having to ask.
This marks the transformation of the bank from a product provider into a service provider and an active guide in the financial life of its clients. “We helped banks move from paper to digital systems and from branches to online channels. Today, a new stage begins – the era of intelligent banks that can work with data and predictions. It’s not just a technological revolution in code, but an evolution in understanding people,” explains Martin Chripko, Director of the Finance Business Unit at Asseco Central Europe.
From Omnichannel to Intelligence
The first step toward the future is the Asseco Omnichannel Platform, a modern solution that integrates customer communication across all channels – from public websites and onboarding processes to daily and investment banking, mobile applications, branches, and assisted channels. The platform provides banks with a unified view of the client and enables flexible process configurations based on their needs. It represents a major step toward personalized services that are fast, efficient, and focused on customer experience.
According to Martin Chripko, the entire financial sector is undergoing a major transformation: “Banks are becoming our personal financial partners. Banking will gradually become part of our everyday lives, and we won’t perceive it merely as the technical execution of a payment. Operations will occur automatically, based on our behavior – even between devices. Financial institutions will be our partners who understand our needs and take them into account when providing services. Intelligent banking is about trust, data, and the ability to create added value.”
Chripko believes that, in the future, banking will become an invisible yet omnipresent service. Payments, investments, and insurance will take place securely and seamlessly, but with our awareness. At the same time, there will be room for smaller community banks – thematically or regionally focused institutions that leverage the technologies of major players while offering a more personal approach.
On this journey, the largest financial institutions are accompanied by the Asseco Group. “We are a group of autonomous companies that cooperate and share innovations across countries. Each one knows its local environment but draws on global expertise. This enables us to respond quickly, deliver market-specific solutions, and at the same time preserve the values on which Asseco is built – trust, stability, and partnership,” concludes Jozef Klein, CEO of Asseco Central Europe and Asseco International.