AREAS
TO REINVENT
Our focus areas are vivid real-life challenges for end consumers, small enterprises and financial institutions, coming as a result of the vast adoption of new technologies and new financial regulatory business implications.
Build Future of Retail
- Develop simple and secure payment experiences to accelerate digital payment habits
- Create innovative experiences that bridge in-store and digital technology
- Help SMEs enhance payment experience and provide digital tools for productivity
- Speed up emergence of merchant propositions (e.g. new generation loyalty, installments etc.)



Accelerate Banking Transformation
- Innovate mobile experiences on legacy banking systems leveraging open banking and new models
- Accelerate banks’ efforts on developing user-friendly cyber-security solutions
- Speed up efforts on cash replacement by new payment flows on card rails
- Capitalize on banks’ network, trust factor and regulatory base for successful market entry

Enhance Customer Experience
- Elevate the overall customer bank experience – from onboarding and transacting to daily operations and problem solving – via data science and advanced analytics
- Connect existing customer touch points in holistic end-to-end journeys, increasing loyalty and satisfaction
- Use data to monetize current business capabilities and unlock new revenue streams
- Engage digital natives in banking services when, where and how they want

