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Digital Banking
Platform

Digital transformation services for bank growth, efficiency and trust - poweredby a single, AI-enabled, Digital Banking Platform.

Digital Banking & Transformation
by Asseco

Digital Banking Platform is a unified operating platform to deliver measurable outcomes across digital onboarding, everyday banking, advisory service and process transformation - powered by AI and built for trust.
  • Outcome-driven operating model: Acquire, Engage, Assist, Build
  • AI co-pilot that turns internal and external data into actionable insight
  • Bank-grade trust: governance, auditability, privacy-by-design, integration-first architecture
When digital and human channels unite

Digital Banking Platform

Delivers digital transformation services for bank growth
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Change slows down
when client context is fragmented

Many banks run on a patchwork of specialized systems. That fragments client context, breaks end-to-end execution, and makes consistent service - and compliant AI - hard to scale.
Change slows down when client context is fragmented
  • Client context distributed across internal and external sources
  • Onboarding, servicing and monitoring disconnected across channels
  • Advisors and operations teams spend time navigating systems instead of serving clients
  • Process change is slow due to high dependency on development cycles and integration layers
  • AI adoption is constrained by governance, privacy and audit requirements

Digital Banking Platform

A transformation platform, not another system.
BANK-GRADE TRUST

Foundation for digital banking

  • Built for regulated banking environments
  • Designed to connect legacy cores and modern digital channels
  • Enables governance-first AI and operational resilience
Foundation for digital banking
UNIFY

Digital Banking & Transformation delivers outcomes through a single platform operating model

Digital Banking & Transformation is designed as a unified platform layer that connects banking channels, operational workspaces, data sources and AI capabilities into four measurable outcomes - delivering digital transformation services for bank teams and client journeys.
Acquire

Asseco Onboarding Platform (OBP)

End-to-end onboarding across digital and assisted channels.

Impact: reduced abandonment, faster time-to-open, consistent compliance execution.

Engage

Asseco Customer & Enterprise Banking Platform (CBP, EBP)

Everyday digital banking journeys for Retail, Business and Youth - consistent experiences across mobile, web and assisted channels.

Impact: increased adoption, reduced cost-to-serve, improved retention.

Assist

Asseco Assisted Banking Platform (ABP)

A unified advisory and service workspace with 360° client context and AI insights.

Impact: shorter resolution times, improved service quality, better decisions.

Build

Asseco Omnichannel Platform (OCP)

No-/low-code process creation with governance controls and controlled rollout.

Impact: faster time-to-change, fewer tickets, safe iteration across channels.

Asseco Onboarding Platform (OBP)

End-to-end onboarding across digital and assisted channels.

Impact: reduced abandonment, faster time-to-open, consistent compliance execution.

Asseco Customer & Enterprise Banking Platform (CBP, EBP)

Everyday digital banking journeys for Retail, Business and Youth - consistent experiences across mobile, web and assisted channels.

Impact: increased adoption, reduced cost-to-serve, improved retention.

Asseco Assisted Banking Platform (ABP)

A unified advisory and service workspace with 360° client context and AI insights.

Impact: shorter resolution times, improved service quality, better decisions.

Asseco Omnichannel Platform (OCP)

No-/low-code process creation with governance controls and controlled rollout.

Impact: faster time-to-change, fewer tickets, safe iteration across channels.

Internal & External IntelligencE

AI as a governed co-pilot - explainable, auditable and aligned with trust

AI is embedded in the operating layer to support people in the bank. It does not replace decision-making - it increases clarity, speed and consistency, while remaining traceable and policy-driven.
Internal Intelligence

Internal Intelligence

AI analyses internal banking sources:

  • accounts, limits, transactions, exposures
  • monitoring history, cases, interactions, service performance
  • client documents (OCR + structured extraction)
  • relationship signals and product usage

Output examples

  • client situation summary
  • risk and opportunity signals
  • recommended next actions for advisors and service teams
  • explainable reasoning and references
External Intelligence (AI Analysis)

External Intelligence (AI Analysis)

AI can scan public sources:

  • company websites, news, public registers
  • social media signals and sentiment
  • market signals and reputational indicators

Output examples

  • public context summary
  • growth signals and early warnings
  • reputational patterns
  • external benchmarking and trend insights

SME Banking

Unified workspace for relationship teams, monitoring and AI-driven decision support.
360° Client View

360° Client View

everyday banking and serviceUnified, real-time client picture combining:

• core banking data
• monitoring and exposure
• public registers
• internal interactions and opportunities at scale
Sales & Campaign Workspace

Sales & Campaign Workspace

A structured CRM environment tailored for SME relationship banking, that supports relationship managers in running targeted sales campaigns and executing end-to-end sales processes. It enables segmentation, lead and opportunity management, task orchestration and full sales workflow execution - for example a loan journey from offer to decision, documentation and activation - all connected to the 360° client view.
Omnichannel Communication & Feedback Hub

Omnichannel Communication & Feedback Hub

A centralized communication center that supports consistent client outreach and feedback collection across channels - including email and in-app messaging, as well as SMS campaigns and surveys. It ensures continuity of conversations, full traceability and a single communication history across digital, branch and contact center touchpoints.
Monitoring Workbench

Monitoring Workbench

Structured, auditable assessments with clear ownership and acceptance history. Supports ongoing client monitoring, reviews, approvals and regulatory documentation in a transparent and controlled way.
Document Intelligence

Document Intelligence

Uploaded documents are OCR processed. AI extracts key financial and operational indicators into structured monitoring views.
AI Assistant

AI Assistant

One-click briefing: internal data summary + recommended actions.

Designed for multiple segments - aligned by a common outcome model

Retail, Youth, SME Banking, and Corporate journeys are configured through the same operating model and governance layer. This supports consistency, reusability and controlled scaling.
Retail Banking

Retail Banking

everyday banking and service at scale

Youth Banking

Youth Banking

guardian-in-the-loop experiences and education journeys

SME Banking

SME Banking

relationship banking, monitoring and rapid service execution

Corporate Banking

Corporate Banking

control, approvals, treasury and complex servicing

Integration-first. Governance-first.
Built for resilience

1
Connect
  • APIs + event-driven architecture
  • connectors to core banking, KYC/AML, payments, registries
  • integration patterns for legacy + modern stacks
2
Trust
  • privacy-by-design, encryption, RBAC
  • audit trails and evidence logs
  • operational resilience patterns
3
Governance
  • policy-driven controls
  • controlled rollout and approvals
  • versioning, monitoring, and compliance     support
Connect
  • APIs + event-driven architecture
  • connectors to core banking, KYC/AML, payments, registries
  • integration patterns for legacy + modern stacks
Trust
  • privacy-by-design, encryption, RBAC
  • audit trails and evidence logs
  • operational resilience patterns
Governance
  • policy-driven controls
  • controlled rollout and approvals
  • versioning, monitoring, and compliance     support

FAQ

Below, we answer the most frequently asked questions about Digital Banking & Transformation by Asseco.

What do you deliver as part of your transformation offering for banks?

Digital Banking & Transformation provides digital transformation services for bank that focus on measurable outcomes across onboarding, engagement, service and process change. It connects channels, data and teams through a governed operating model, so banks can modernize faster without losing control.

How do you support SME banking teams serving small and medium enterprises?

Our platform supports SME banking with a unified workspace for relationship teams, monitoring and AI-driven decision support. It helps banks deliver consistent journeys for SME clients while improving service speed, data quality and operational efficiency.

How can you modernize digital channels without replacing the core immediately?

We provide a middleware layer that helps banks modernize around the core without disrupting it. It connects digital channels, workflows and data services to legacy and modern cores, enabling gradual migration and controlled change.

Can you orchestrate journeys across mobile, web, branch and contact center at scale?

Digital Banking & Transformation acts as an omnichannel orchestration layer that coordinates journeys across mobile, web, branch and contact center. It supports large-scale deployments and consistent execution across complex product and segment landscapes typical for tier 1 banks.

How do you ensure onboarding stays compliant across channels and segments?

Our onboarding capabilities support fully digital and assisted onboarding with consistent KYC/AML execution. They are designed for regulated environments, with policy-driven steps, audit trails and integration points for compliance services and public registers.

What do relationship managers get in their day-to-day workspace?

We deliver a unified workspace that provides customer relationship managers with a 360° client view, tasks, cases, monitoring signals and guided workflows. It also supports sales execution through portfolio coverage, sales target management, and the creation, execution and monitoring of sales campaigns. Built-in AI can summarize the client situation and recommend next actions, improving decision speed and service quality.

Do you work only with one core banking system or multiple?

Digital Banking & Transformation is a core-agnostic layer that sits above the core and integrates with different core banking systems. This approach allows banks to modernize channels and operations while keeping freedom to evolve or replace core components over time.

How do business teams change processes without waiting for long development cycles?

Our Build capability enables no-code process automation for financial services, helping banks design workflows once and deploy them across channels. It supports governance, versioning and controlled rollout, so business change is faster and still compliant.

How do you make AI usable in regulated banking operations?

We provide an auditable AI co-pilot that supports banking operations with explainable summaries, signals and recommended actions. It is designed with access control, traceability and human-in-the-loop patterns to meet regulated banking requirements. We can deploy the required tools and AI models (including LLMs) on-premise or in a private cloud, ensuring the bank retains full control over data residency, processing and governance.

How do you support credit monitoring and lending decisions for business clients at scale?

We support scalable SME lending and monitoring through structured assessments, document intelligence (OCR + extraction) and continuous monitoring views. This strengthens SME banking by improving data consistency, speeding up reviews and helping teams act earlier on risk and opportunity signals.

Can you connect mobile money, wallets and traditional banking channels into one experience?

Our interoperability layer helps banks connect mobile money rails, banking channels and external ecosystems through APIs and event-driven integration patterns. It supports consistent journeys and shared context across services, even when infrastructure differs by region.

How do you support resilience and continuity for critical digital banking services?

Digital Banking & Transformation supports an operational resilience framework through monitoring, auditability, controlled change and integration patterns aligned with high availability. It enables banks to design resilient journeys and reduce operational risk while scaling digital adoption.

Let’s map your outcomes.

Contact us to explore how Digital Banking & Transformation by Asseco can support your operating model, teams and client segments - starting with the outcomes that matter most.
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