PKO Bank Polski, European Leader in Digital Banking

PKO Bank Polski's position as the ranking leader is the result of a consistently pursued strategy focused on innovation and technology. For many years, the bank has successfully harnessed the capabilities offered by data science, machine learning, and artificial intelligence. These modern solutions enable the transformation of internal processes and the creation of offerings tailored to customers' lifestyles. By 2025, PKO Bank Polski plans to make all its services available through remote channels. The bank also continues to expand its ecosystem of non-banking services and will broaden its value-added service (VAS) offerings available through its app. Another significant area in the bank's development is the use of data at scale to build the most advanced analytics on the market. The ongoing efforts in hyperpersonalization aim to deliver a new, better-tailored offering for individual customers' needs. These initiatives are also focused on education, improving security, and enhancing user satisfaction with the bank's products and services.

PKO Bank Polski was the first bank to start migrating its systems to the cloud and remains a leader in the use of cloud solutions. The "Road to Cloud" strategy, adopted several years ago, outlines the development directions and the bank's approach to cloud computing, which it consistently follows. In recent times, the bank created the Advanced Data Analytics Platform, known as ML Ops, based on Google Cloud. This solution supports risk assessment and enables analysts to build advanced models. It is also used in the sales processes of bank products within customer relationship management (CRM) and will be further developed to support other areas of the bank's business. PKO Bank Polski is also actively engaged in advanced work to move its key digital product, the IKO app, to the cloud. The app now offers over 100 features and is a significant element of the bank's strategy. It will continue to expand, creating a wide ecosystem of services, including non-banking ones.

The Finnoscore ranking is based on publicly available information and objectively assesses banks' digital maturity and innovation experience. The assessment considers 300 criteria in 12 selected segments and covers 230 banks from 26 countries in Europe and North America.

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