Adam Marciniak

Nova Ljubljanska Banka (NLB) offers universal banking services to the retail and corporate sectors, as well as runs an investment banking arm. Its objective is to be the leading bank in South-Eastern Europe by the end of 2030. Interesting to learn that Temenos is NLB’s key strategic partner for 20 years, NLB has been able to #grow, innovate, and become one of the #leading banks in the region. Key highlights include 50% shorter product time to market and a 25% cost reduction. From product development to customer interactions, Temenos core banking helps NLB become significantly more customer-centric in every aspect. Learn more from their success story here: https://lnkd.in/g9QXrJQE #VoiceOfCustomer

4

I am sure you will agree that the #EU #AI Act stands as a monumental step towards ensuring the responsible development and deployment of AI technologies across Europe. 🇪🇺✨ The Act employs a nuanced risk-based approach, categorising AI systems into different risk levels (unacceptable, high, and limited risk), ensuring that the regulatory burden is proportionate to the potential harm these systems might cause. This allows for a balanced framework that encourages innovation while safeguarding public interest. 🛡️💡 However, a couple of refinements came to my mind: a) I believe the Act's definitions for AI systems and high-risk applications could benefit from further clarification to avoid ambiguity and ensure consistent interpretation across member states. 🤔🔍 b) Seamless integration with existing data protection laws such as #GDPR and other data protection regulations remains a challenge. There is a need for clearer guidelines on how AI systems can comply with these overlapping legal frameworks without redundancy or conflict. 🔄🔐 #ArtificialIntelligence #Innovation #DataProtection #TechRegulation #AIRegulation #DigitalTransformation #EURegulations #PrivacyMatters #TechLaw #Compliance #FutureTech

1

FINTECH

10

In today's digital world 🌎, #cybersecurity isn't just an option—it's a necessity. At BNP Paribas Bank Polska, we're committed to proactively protecting our systems and customer data by integrating #SecuritybyDesign principles into every facet of our operations #ITatScale. Why 🔒#SecuritybyDesign🔒? 🚨Active Defense: We build robust protection against potential threats by embedding security measures from the initial design phase. 🚨Reduced Risk: Prioritizing security early on minimizes the risk of breaches and disruptions. 🚨User Trust: Secure products and services foster trust and confidence, strengthening our relationships with clients. #SecurityByDesign is more than just a strategy – it's a fundamental commitment to our #customers. By making security an integral part of everything we do, we're building a safer, more resilient banking experience for all. We're proud that our dedication to #TechInnovation and a #SecuritybyDesign approach has been recognized with the Forrester 2024 Technology Strategy Impact (TSI) Award in EMEA 🏆 🥇. https://lnkd.in/dsTMmb7x #Cybersecurity #BankingSecurity #CyberStrong #Poland #TechInnovation #Proud #ITatScale #SecuritybyDesign

69

3 komentarze

Start your new life right with the best bank for newcomers according to Moneysense. Discover advice and offers that will help make every part of it a success 👇🏾 #NBCteam

2

Nova Ljubljanska Banka (NLB) offers universal banking services to the retail and corporate sectors, as well as runs an investment banking arm. Its objective is to be the leading bank in South-Eastern Europe by the end of 2030. Interesting to learn that Temenos is NLB’s key strategic partner for 20 years, NLB has been able to #grow, innovate, and become one of the #leading banks in the region. Key highlights include 50% shorter product time to market and a 25% cost reduction. From product development to customer interactions, Temenos core banking helps NLB become significantly more customer-centric in every aspect. Learn more from their success story here: https://lnkd.in/drrQybv8 #VoiceOfCustomer

6

An awesome breakdown of card ecosystem and fees involved by Arthur Bedel 💳 ♻️ Have a read if you are aiming to understand, how it works, what it costs, etc.

2

SEPA Instant is now mandatory, and if your bank operates in Europe, implementation is inevitable. However, the situation is complex, with discrepancies between the issued SEPA Inst regulations and existing rules for payments and AML. Our team has extensive experience with instant payment schemes, not only SEPA Inst (implemented in 2018) but also schemes in India, Thailand, Switzerland, and more. Don't miss this opportunity to join our free webinar focused on SEPA Instant and the related implementation and AML challenges. #SEPAInstant #InstantPayments #CGI #Payments #Banking #AML #Compliance #Webinar #FinancialServices #BankingInnovation

9

AI is the hottest topic lately, not only in the IT environment. Last week we met at the first Santander AI Day. Together with our employees, we discussed what AI actually is and why everyone is talking about it now. We were accompanied by internal experts from Poland and the Santander Group, as well as representatives of Microsoft, BCG, Accenture and professor Andrzej Dragan. It was a great opportunity to honestly deal with the question that bothers everyone: whether AI will help us at work or rather take it away from us. Thank you all for participation and great discussions! #AI #SantanderTECH #IT #EmbraceChange #SpeakUp

173

10 komentarzy

#DailyMoneta - Today, the before-work result: The basic functionality of the NodeTracker is finished. Nodes can register to this tracker service as a non-validated nodes. The next upcoming feature (hopefully in the Afterwork period tonight): - With the operational mode switch, it registers with a digitally signed message - as a validated node. - Information exchange between the cluster of multiple node trackers. I don't expect much today, as I finish my work at 11 pm. #Moneta #QuantumProofBlockchain #ZeroTrust

4

Today, Moneta received some upgrades for better modularization. Its memory will be divided into several segments; one part is time-dependent, and the other is time-independent. This way, it will store information with less noise. It also has an online memory extension module, which I can dynamically manipulate to turn on and off topics based on the field of the question. I have moved the separate apps to dockerized containers, so operation and development will be more straightforward. The next plan is an Autogen-based multi-model operation, which can utilize field specialist models based on the question. #MyAIJourney

8

My Experience with monobank in Ukraine 🇺🇦 Having experienced the banking landscapes in both Ukraine and Europe, I can confidently say that monobank stands out as a beacon of innovation and convenience in the fintech realm. In Ukraine, which is my home country, monobank has redefined what it means to bank in the digital age. The seamless transition to digital banking has not only simplified my financial transactions but has also elevated my overall banking experience. From effortless account management to lightning-fast transactions, monobank has set a new standard for customer-centric banking in Ukraine. What truly sets Monobank apart is its unique blend of cutting-edge technology and personalized services. The intuitive interface and innovative features cater to my individual needs, making banking a breeze. As I've traveled throughout Europe, I've been surprised by the lack of banking solutions that rival the convenience and innovation offered by monobank. While traditional banks may dominate the landscape, none have quite captured the essence of customer empowerment and community building that monobank embodies. In a world where digital connectivity knows no bounds, Monobank has bridged the gap between convenience and community, setting a precedent for fintech solutions not only in Ukraine but also on a global scale. If you're interested in exploring how cutting-edge software can revolutionize your banking experience, look no further. I work for Light IT Global, a company specializing in developing smart solutions for finance and banking systems. If you want to talk more about how we can help, feel free to contact me Anastasiia Bredun. #Fintech #DigitalBanking #Monobank #Innovation #Ukraine

7

Do you believe that tenders for designing banking products work? I mean, what if these tenders actually sabotage the success of digital banking? 🤔 Every year we receive dozens RFPs for tender to design UX/UI of banking solutions. And quite often we refuse. Because it often seems like tenders end up being a race to the bottom, with the cheapest bidder getting the deal. But when the lowest cost becomes the highest priority, what are we truly giving up? Is opting for the least expensive option leading banks straight into the hands of low-quality suppliers whose decisions might harm both: business and end-users? Maybe office supplies for branches have the same quality at different prices (although this is also doubtful), but does this work for the design of digital products? We see that purchasing managers are often unable to assess the quality of such a complex service, although their actions determine whether the bank will be competitive in the digital market. Picture this: A new banking app launched, designed by the lowest bidder. It has clunky, confusing, copycat design. Customers are frustrated, trust dwindles, and the brand's reputation takes a hit. And all this just to save a few thousand up front. Was it worth it? Maybe it's time to rethink this tactic. Shouldn't financial brands focus on value over cost? And is it even possible? Shouldn't price be preceded by an assessment of the agency's ability to understand the intricacies of financial services, maintain a long-term priority for business growth, ensure brand consistency, ensure accessibility, ensure security, and the ability to develop a seamless user experience that embodies business strategy? Unfortunately, price often becomes the first and foremost criterion. Ultimately, every bank needs the best design that will build lasting trust with its customers, and designers who will achieve bank's goals in the best possible way and without risk. What do you think? Is the traditional tender process for digital design doing more harm than good for financial brands? Is it time for banks to reconsider how they choose their digital partners? Here are some more thoughts on why outsourcing product design to low-cost vendors can be one of the most expensive mistakes any bank can make: https://lnkd.in/dDEfETK6 #Banking #Fintech #DigitalDesign #UXDesign #CustomerExperience #BankTender #BankTenders #DigitalTender #Tender #Tenders #BankingInnovations #Banks #Bank #BankRFP

14

5 komentarzy

As the CPO at MTS Pay online, I would like to share an important milestone for our bank: MTS Bank is planning an IPO. This step forward for us as a company emphasizes our commitment to innovation and sustainable development. The development of the BNPL service in MTS Pay plays a significant role in our bank’s strategy for the mass market. This service simplifies financial transactions for our customers, offering the “buy now, pay later” option without additional costs. #MTSBank #IPO #BNPL #MTSPay #FinTech #Innovation For more information on the IPO and BNPL service, you can refer to the following articles: — “On the line with the market: Why the placement of MTS Bank’s shares on the exchange is interesting” from Forbes https://lnkd.in/eqfFFChB — “The value of MTS Bank in the IPO could reach 115 billion rubles” from Vedomosti https://lnkd.in/ewvr_qwZ You can read even more information about iro bank here: https://lnkd.in/eRPGY3nB

6

2 komentarze

It is difficult to think about effectively implementing the #ITatScale strategy without including IT environments based on cloud services - #GOcloud. At BNP Paribas Bank Polska, we have focused on a #hybridCloud environment. We have currently built and manage one of the largest environments in Poland based on #OpenShift technology. We have fully automated our services, which are available directly via the API interface and via a dedicated web portal. Thanks to this approach, we have minimized the time needed to build or reconfigure environments for application teams, and we also present infrastructure costs for application owners in a fully transparent manner. At the same time, we are taking care of the further development of our landing zones in public clouds in order to be able to use services that allow us to provide innovative solutions to bank Customers. Thanks to this approach, we have built a stable, scalable and secure environment in which we run applications for our Clients and employees. Another advantage here is the possibility of developing IT employees who can use the latest technologies available on the market and develop programming skills while further developing our hybrid cloud. Of course, this is not the end of this journey and there are still many changes and lines of code to write ahead of us, but with such a motivated and committed team behind us, I have no doubt that we will fully achieve all the goals set for us! I would like to especially thank Magdalena Nowicka (she/her), for the trust and for her support in implementing this strategy. Magda – thank you! 💚 We cannot forget about the people and their teams who support the implementation of the #ITatScale strategy on a daily basis: Agnieszka Gramatyka, Tomasz Wrobel, Milena Komierzyńska, Lukasz Zielinski, Dariusz Flisiak, Joanna Ostrowska - Szajnfeld, Kris Slotwinski, Małgorzata Jacygrad, Adam Nawrot, Dominik Sowa, Piotr Bubienczyk, Sylwia Burczyk, Jaroslaw Ostapiuk, Arkadiusz Kil. 🤝 👏 Thank you! 💚 #ITatScale #IaC #GOcloud #ITStrategy #DigitalResilience #DigitalTransformation #TeamWork

67

8 komentarzy

Another step towards a promising and innovative account keeping and orchestration of account-to-account transfers in the blockchain through an open source protocol with their settlements in wholesale CBDC, taking full advantage of the technology. This model would further facilitate correspondent banking relationships and ultimately offer wholesale clients an enhanced experience regarding wholesale payments (instantaneity, atomicity, programmability) and that, for various use cases. #cashmanagement, #socash, #CBDC

12

Quick feedback loop From developer perspective: - see below the post of my colleague Nik Sumeiko. From testing perspective: - Unit tests run automatically on all PR before developers are allowed to merge branch. - We also do have E2M tests integrated into our CI pipeline. All should be green after merging any change, otherwise something needs to be fixed or worst case rolled back ASAP. - If all unit tests are green and developer is still insecure, that something might break, we can also manually run all the E2M tests on the feature branch. - We also have testers in all teams and a second layer outside of teams.

2

1 komentarz

Europe #Money2020 was a blast! Here is my selection of key topics and main takeaways: 1. Open Banking: —    Main challenge is how to get to the next level (adoption, breadth) —    Need to learn from card schemes —    Open Finance already under way with data at the center —    Different regional approaches: interoperability and regulations —    Commercial VRPs as a killer use case —    Combination with GenAI 2. #Ecommerce: —    Explosive growth in the gig and circular economy with 200+ mn new creators and sellers in 3 years —    It’s all about mass-personalization (big data, AI) —    Digital identity, AI and biometrics to address security and consumer trust —    LLMs for high-quality, multi-channel data on verticals 3. Artificial Intelligence (#AI): —    AI to enhance rather replace humans —    Predictive AI use cases already present, Gen AI on the rise —    It’s all about data and feeding the models —    GenAI is a game changer. Implementation, integration & scalability the key topics —    Europe needs to catch up vs Asia and US (i.e. Mistral AI, EU AI act) —    Intelligence at scale needs investment in AI factories 4. Digital Money: —    CBDCs and stablecoins to coexist rather than compete —    Adoption, integration and interoperability are key topics for CBDCs —    Swift as a blueprint for integrating CBDCs into existing FS infrastructure —    Public trust is a major success driver (fight skepticism and conspiracy theories) 5. #Payments: —    Real-time infrastructure is the name of the game —    Fraud a major challenge - global anti-fraud investment at $10 tr by 2025 —    Europe to compete beyond rails (Digital Euro, EPI with wero) - lots of challenges to solve (i.e. added value, adoption) —    Seamless, unified, personalized experiences that add value —    Embedded finance —    Subscription payments —    B2B models (i.e. B2B Pay Later) will win —    Digital wallets are critical infrastructure - adoption an opportunity for the EU 6. Personalization: —    One of the biggest cross-industry trends —    It’s all about mass-personalization —    Real-time (big) data analytics, cloud infrastructure and AI as key enablers —    Payments in the driving seat 7. Banking: —    Legacy systems and digital transformation are main challenges for incumbents —    Banks already rolling out GenAI use cases - 78% plan to increase AI investment —    Strategic partnerships as a key innovation enabler (i.e. chatbots) —    The biggest challenge to innovation is execution —    Sustainable financing at $2.6 tr in 2023 - projected to grow further 8. Blockchain: —    An alternative for traditional FS (speed, security, scalability) —    Ripple and Kraken examples of the evolution —    Robust infrastructure and system interoperability are key —    Regulation, data privacy and maturity of cross-chain use cases as main challenges —    Crypto becoming a legitimate asset class (i.e. ETH ETFs in the US) Analysis: Panagiotis Kriaris, Source: Money2020

475

47 komentarzy