Raiffeisen Bank Polska S.A. – operating under the name Raiffeisen Polbank – was established in 1991 and was one of the longest-running foreign capital banks on the Polish market. In 2013, as a result of the merger with Polbank EFG S.A., it joined the group of the largest banks in Poland, holding leading positions in many segments of the financial market, including factoring, leasing, foreign exchange, trade financing instruments and payments. In 2016, the value of its assets amounted to PLN 53.3 billion, it provided services to nearly 750,000 retail customers as well as 14,700 small, mid-sized and large enterprises. In 2018 it was purchased by BGŻ BNP Paribas, which is part of the largest banking group in the euro zone and one of the largest banks in the world.
Technological developments have had a major impact on the banking sector since they have brought many new challenges. Banks have had to modify their business models and adapt to the new reality in order to be able to consistently expand their market share in the increasingly competitive market. The need for a change became a catalyst for the emergence of new ideas also at Raiffeisen Polbank, which decided to launch „R Online” – a new, intuitive internet and mobile banking system. In order to implement it, the bank decided to choose Asseco Customer Banking Platform (Asseco CBP), Asseco Poland’s proprietary solution, which provides unlimited opportunities for making new products and services available through online channels and mobile devices. The project implementation agreement was signed in June 2015 and the launch of the new customer system took place in July 2016.
The goal of the project was to implement and make the „R Online” electronic banking system available to individual clients and micro-companies. The solution was to enable users to freely shape their banking and use a wide range of products and services available on the remote access platform. As a result, the need to design IT systems with a specific customer segment in mind became a thing of the past. The implementation of Asseco CBP has also provided the possibility of flexible selection of mini-applications through which Raiffeisen Polbank can direct its Internet and mobile banking to various customer groups.
The project was completed in an exceptionally short time in relation to the scope of the work. This was possible thanks to, among other things, mini-applications which allow for quick and safe launching of individual system functionalities. What is important, the previous internet banking solution was not turned off and customers could decide for themselves when to switch to the new system at the most convenient time. Asseco CBP works on mobile browsers, which eliminates the need to create a native application, which the client would have to download and install on the phone. The RWD technology used by the system allowed the bank to quickly implement the mobile banking service working on every computer, smartphone and tablet model. In turn, the customers deal with the same functions, graphics and logic of performing particular operations on their devices. They do not have to „learn” how to use each of them individually – as it has been the case so far. Regardless of the device they use, they have access to the same functionalities.
Personalized banking
The bank put emphasis on customer convenience and simplicity of use, therefore the system provides high intuitiveness and quick access to particular functions with a minimum number of clicks. All the information was presented in a clear and aesthetic way, so that the clients could immediately receive the data they needed, without wasting time searching for them and going into the next levels of the menu.
Based on the currently implemented solution, the bank may expand the system, both in terms of other types of devices, as well as functionality. It is also important that the bank’s team can expand the offer independently.
