Michael Wilkowski

Raiffeisen Digital Bank AG (RDB) is taking the user experience of its app to a new level! RDB, a subsidiary of Raiffeisen Bank International AG (RBI) based in Vienna, is known for offering fully digital loans to Polish residents and a range of other banking services to Polish and Romanian residents via its mobile app. On its journey to become the bank of choice for individuals who prefer digital banking, RDB focused on enhancing transaction details. Through this effort, RDB users can now see exactly what they paid for with the accurate merchant's name and logo, transaction category, and other useful merchant details and they may be using both the app and the payment card every day. This advancement not only improves client day-to-day payment experiences but also underscores RDB's commitment to regulatory standards. Powered by TapiX, Dateio’s transaction data enrichment API, RDB now provides users with enhanced transaction details, providing more clarity in personal finance management. Let's take a moment to recognize those who made this launch possible 👏 Andrii Fedosov, Volodymyr Rets, Ivan Dovica, Gabriela Habartová #fintech #banking #tapix #dateio #raiffeisendigitalbank

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As the Net PC IT commandos team, we are excited about the successful completion of one of our projects: the development of desktop systems for one of Poland's largest governmental institutions. 🚀 👉 In close collaboration with our partner, we have orchestrated the creation of a state-of-the-art information management platform, tailored to meet the institution's specifications. 👉Our mission was: to conceptualize, execute, and maintain a data management system that would integrate into their operations. 👉This governmental entity holds a paramount position in the fields of popular science, research, and education across Poland and Central Europe. 👉Our solution serves as the cornerstone for facilitating the effortless exchange and secure storage of vital data, programs, and resources crucial to understanding the rich tapestry of history and diverse societies within specific regions of Poland. For a comprehensive dive into this implementation, please refer to the link provided in the first comment. 🔥 #softwaredevelopment #softwareengineering #dedicateddevelopers #desktopapplications #dataanalytics #database

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🎤 Don’t miss nexo’s presentation at the Cashless Congress Digital Era 2024 event in Warsaw tomorrow! Jacques Soussana, nexo's Secretary-General and Santiago Cabeza, nexo’s Director of Business Development will dive into how nexo is streamlining #paymentacceptance and key #deployments globally. 📅 28 May 🕒 12:45pm CEST   Find out more about nexo standards: https://bit.ly/4bqy80B   #cashlesscongress #payments #paymentacceptance #standardization

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🚀 The first edition of the #fintech postgraduate studies has been completed! We successfully achieved this milestone in collaboration with the University of Lodz, Invest in Lodz (Central Poland), and the companies associated with FinTech Central Poland. During my speech at the graduation ceremony, I highlighted two key points: 1️⃣ Large global clients must be convinced that their partner can develop and scale cooperation. This can be achieved by demonstrating that we operate within an ecosystem that helps to gain necessary resources. This ecosystem includes education, science, business, the legal and administrative environment, as well as openness to innovation and readiness to support and finance it. It's not just about having entities in each category; actual collaboration on joint projects is crucial. The #fintech postgraduate studies are an excellent example of this cooperation. 2️⃣ The best specialists are those who are aware and deeply understand their work. Especially now, when AI is taking over routine tasks. Nothing fosters understanding and awareness better than teaching others. Conducting classes is a priceless opportunity for our employees' development, particularly with a demanding group of students. I'm proud that MakoLab, Artur Olszczyński, Beata Wawrzecka and I were part of this incredible project. 🤞 I keep my fingers crossed and will do my best to continue this initiative. For more info visit: www.fintech.uni.lodz.pl

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Salt Bank is LIVE on the Engine by Starling core banking platform! 🚀 🇷🇴 📲 This is the FIRST TIME Starling’s Engine platform has been deployed beyond the UK, and enables Salt to disrupt the banking sector in Romania. 🤯 🏦 By partnering with Engine, Salt was able to build AND launch the bank in under 12 months and has ALREADY onboarded 100,000 Romanian customers 👨‍💻 Sam Everington, CEO of Engine by Starling, adds: “The Engine platform was built to power Starling Bank in the UK, which supports more than four million retail and small business accounts. Our work with Salt Bank shows just what our platform is capable of; Starling’s feature rich and highly personalisable banking products can be deployed around the world to attract impressive customer volumes, while our operational experience and cloud-expertise can help build, launch and run a bank in less than 12 months.” Find out more on the link below! 👇 https://lnkd.in/eT8Y6bZe Gabriela Cristina Nistor #starlingbank #bankingapp #saltbank #corebanking #bankingplatform #fintech #digitalbank #neobank #banking #fintechnews

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Congratulations to OTP Bank Romania for launching a modern digital mortgage lending platform for their partner brokers! 💫 We’re pumped to see people use FlowX.AI to bring modernization to the core of their business processes and create immediate value for their customers, partners, and employees. After just 10 weeks of development, this new digital platform makes the mortgage lending process easier, better, and faster for everyone involved. When you consolidate and integrate over 35 business processes and 20 internal and third-party systems and databases into a unified digital platform, operational efficiency takes many shapes and forms. Waiting time for bank customers gets significantly shorter. Brokers enjoy streamlined ways of working. Face-to-face interactions at the branch become obsolete. Just to name a few. Proud and excited to be part of this AI-powered banking modernization journey alongside the OTP Romania team! 🚀 #DigitalTransformation #MortgageLending #Innovation #BankingModernization #OTPBankRomania

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Fintech is the most innovative component of the financial sector. Poland is a country where not only ideas are born, but they are also implemented to the market. Interesting facts: 📊 there are over 300 #fintechs registered in Poland which places our country at no 1 🥇 in the CEE region. 📊 40 % of them are present on the foreign markets. 🥇 if we put aside such global companies as PayPal, Visa or MasterCard, BLIK - Polish mobile payment system is currently the number 1 among top European players dealing with the mobile payments. Polish Investment and Trade Agency (PAIH) proudly supports Polish fintechs on the foreign markets, among others in Switzerland. If you are interested to learn more about Polish fintech landscape, you shouldn't miss our Fintech Business Breakfast in Zurich. Use this great opportunity to meet the representatives of 12 innovative companies & establish new business contacts and 📌 reserve your free entrance at https://lnkd.in/dQQvXFri 📆 April 25th, at Tenity, Pfingstweidstrasse 110, Zurich, 8:30-11 AM Łukasz Chrabański, Anna Polanska, Kasia Jedlińska, Piotr Brewiński, Dr. Katharina - Kasia Lasota Heller, Oliver Bertschinger, Michael Katz, Wiktoria (Victoria) Przybylska, Dawid Ostrowski

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 🚗 What was the most challenging part of the project for AAAUTO? Definitely integrating the app with diverse financial institution APIs. We also had to navigate legislative changes and regional differences across the Czech Republic, Poland, and Slovakia.Kudos to the Cassovia Code team for making it happen! The whole process as well as the outcomes in the case study: https://lnkd.in/d-CfMAyK #Automotive #CustomerExperience

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Video: Endava at Money20/20 Europe – The evolution of B2B #payments Speaking with FinTech Futures at Money20/20 Europe, Scott Harkey, executive vice president of #financial services and #payments at Endava, analyses the catalysts that are propelling B2B payments to new, astonishing heights. https://lnkd.in/e7SKRi-B

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Super excited to be part of this years ABSL summit and discuss what new trends, digitalisation, transformation mean for the business services industry - and how banks like us European Investment Bank (EIB) European Investment Fund (EIF) see it & also can support #absl #digitalisation #transformation

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We use perpetuating process at ING. We constantly check how effective we are in defending against cyberattacks. We have to be effective all the time. Cyber attackers, on the other hand, make mistakes all the time. For now, we do not expect AI to create detection models or monitoring rules. But it will certainly be able to search large datasets in a smart way. If you want to get more insights, please check out the newest article published on ITwiz. Thank you Adam Jadczak – I enjoyed our conversation! Hope that you will find it interesting as well. #cybersecurity #cybersec #INGHubsPoland #technology #ING

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Invest in Poland. In payments.     As a consultant in payments, I have worked in many countries. Mainly in Europe. Relatively less in my home country – Poland. There were times when an airport was my second home. I am glad it is not this way anymore. Comparing Poland to other markets, I would draw your attention to wharp speed of development. You simply cannot leave the market for several years not observing significant changes. It is not only GDP growth, although it is record high. It is lifestyle, things that people buy, services they use, the way country looks like. The same is relevant to payments. Polish people adopted in few years to digital payments. Almost 100% cards acceptance helped. Here kudos to Fundacja Polska Bezgotówkowa. In eCommers we grew from cas-on-delivery to pay-by-link and now to BLIK. I don’t know when it happened? I spent a year in Greece so it must have been in this period. Please rest as this is vacation time but then, in September, consider investing here. You won’t be disappointed. If you do everything right, you should earn a lot.

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The report on "AI in Retail Banking and Payments": Official Link: https://lnkd.in/gGYE-_YM Multiple Innovative Opportunities in Banking and #Payments with Use of AI A new overview by Arkwright Consulting and DataArt paints an evocative picture of how artificial intelligence, or AI, is poised to revolutionize the banking and payments sphere. Key highlights: - The European Investment Bank (EIB) Investment #Bank also estimated that financial institutions can raise revenues by 30% and reduce their costs by 25% through AI. - The application of AI is diverse and can be seen at every step of the banking value chain starting from customer service to loan default risk assessments to cost optimization and advanced data management. - The majority of banks are still exploring rather rudimentary levels of AI implementation, and encounter difficulties in transforming potential opportunities of AI into tangible plans. - The report provides a practical framework and use case examples to help banks effectively capture the value of AI, including establishing an "AI playground" for iterative testing. - One of the key themes – to fully domicile AI within the organization’s #strategy – refers to the enhancement of the strategic alignment of AI initiatives, risk management, and the creation of a more adaptive workforce and culture. A resource that banking executives should not miss if #planning on incorporating the application of AI in their strategies. Yes for sure that banking is going to be driven soon by artificial intelligence. Thank you Arkwright Consulting Tony Moroney Andreas Neidhart-Lau Sam Boboev Prof. Dr. Ingrid Vasiliu-Feltes Zvonimir Filjak Nicolas Pinto Prasanna Lohar #AI #banking #financialservices #innovation #futureofbanking #techtransformation

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The report on "AI in Retail Banking and Payments": Official Link: https://lnkd.in/gGYE-_YM Multiple Innovative Opportunities in Banking and #Payments with Use of AI A new overview by Arkwright Consulting and DataArt paints an evocative picture of how artificial intelligence, or AI, is poised to revolutionize the banking and payments sphere. Key highlights: - The European Investment Bank (EIB) Investment #Bank also estimated that financial institutions can raise revenues by 30% and reduce their costs by 25% through AI. - The application of AI is diverse and can be seen at every step of the banking value chain starting from customer service to loan default risk assessments to cost optimization and advanced data management. - The majority of banks are still exploring rather rudimentary levels of AI implementation, and encounter difficulties in transforming potential opportunities of AI into tangible plans. - The report provides a practical framework and use case examples to help banks effectively capture the value of AI, including establishing an "AI playground" for iterative testing. - One of the key themes – to fully domicile AI within the organization’s #strategy – refers to the enhancement of the strategic alignment of AI initiatives, risk management, and the creation of a more adaptive workforce and culture. A resource that banking executives should not miss if #planning on incorporating the application of AI in their strategies. Yes for sure that banking is going to be driven soon by artificial intelligence. Thank you Arkwright Consulting Tony Moroney Andreas Neidhart-Lau Sam Boboev Prof. Dr. Ingrid Vasiliu-Feltes Zvonimir Filjak Nicolas Pinto Prasanna Lohar #AI #banking #financialservices #innovation #futureofbanking #techtransformation

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The report on "AI in Retail Banking and Payments": Official Link: https://lnkd.in/gGYE-_YM Multiple Innovative Opportunities in Banking and #Payments with Use of AI A new overview by Arkwright Consulting and DataArt paints an evocative picture of how artificial intelligence, or AI, is poised to revolutionize the banking and payments sphere. Key highlights: - The European Investment Bank (EIB) Investment #Bank also estimated that financial institutions can raise revenues by 30% and reduce their costs by 25% through AI. - The application of AI is diverse and can be seen at every step of the banking value chain starting from customer service to loan default risk assessments to cost optimization and advanced data management. - The majority of banks are still exploring rather rudimentary levels of AI implementation, and encounter difficulties in transforming potential opportunities of AI into tangible plans. - The report provides a practical framework and use case examples to help banks effectively capture the value of AI, including establishing an "AI playground" for iterative testing. - One of the key themes – to fully domicile AI within the organization’s #strategy – refers to the enhancement of the strategic alignment of AI initiatives, risk management, and the creation of a more adaptive workforce and culture. A resource that banking executives should not miss if #planning on incorporating the application of AI in their strategies. Yes for sure that banking is going to be driven soon by artificial intelligence. Thank you Arkwright Consulting Tony Moroney Andreas Neidhart-Lau Sam Boboev Prof. Dr. Ingrid Vasiliu-Feltes Zvonimir Filjak Nicolas Pinto Prasanna Lohar #AI #banking #financialservices #innovation #futureofbanking #techtransformation

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Exciting times as the Czech government has digitized the citizen criminal record ("Výpis z rejstříku trestů"), making it accessible as a signed PDF! This modernization is long overdue, yet I encountered an unexpected hurdle recently. Starting a new job, the company requested a background check done by a US-based checking service. Surprisingly, the most challenging part was obtaining the criminal record. Despite sending a verifiable, government-issued electronic PDF, the checking service refused it, stating they don’t accept records directly from applicants. 🤔 Instead, I had to go through the traditional process: visiting CzechPoint, signing forms, and involving an attorney to request the record on my behalf. This had to be done via regular mail, with the usual uncertainty of postal services. 📮 This experience highlights a significant flaw in the e-government system: when digital solutions don’t integrate with international practices, they lose their value. It's a stark reminder that while we innovate, we must also ensure our advancements are universally accepted and practical. 🌍💡 #DigitalTransformation #Egovernment #Innovation #Efficiency

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🌟 „The ZND token is not only an interesting investment asset that can gain value over time. It is first and foremost a utility token that will simply be of real use to users of the ZND platform.” 🖋️ If you are wondering why Bitcoin.pl editorial office reviewed our ZND token in this way, I encourage you to take a look at this article and find out for yourself: 👉 https://lnkd.in/ebWx9AF4

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A few years ago, there was considerable debate about the #Metaverse and its practicality. Today, banks like PKO Bank Polski and #fintech companies are embracing the trend, utilizing the Metaverse as a fresh platform for client communication and relationship-building. Is this a parallel to the major social media revolution of 2015, or an entirely new phenomenon? Check out our new article here to find out more: https://lnkd.in/dNbKnpGy

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I will speak about #nocode at the main stage of Poland's biggest tech conference! 🚀 Code Europe will be held in my hometown (Krakow) on June 10-11, 2024. My presentation about the impact of no-code on software development is scheduled on Day 2 at 11:30 AM. I'm so happy that no-code is finally becoming mainstream in development thanks to events like this. 😍 Who else is coming to Code Europe this year? #CodeEurope24 #software #development

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