Banks have deployed advanced technologies to rationalize processes, manage risks and provide smarter and more personalized financial services. Global Finance announces 2025 innovators from central and eastern Europe
Regional winners
Most innovative bank in central and eastern Europe | Aktif investment bank
Aktif Investment Bank, Turkey’s largest private banking, applied AI to stimulate internal banking processes. At the beginning of 2025, the bank launched a digital interview system based on AI which integrates the synchronization of lips in real time and natural conversation using Chatgpt. The synchronization of the lips makes the interviewer of the AI more realistic and more engaging.
The new platform reduces the high cost of traditional interviews by automating the screening process and minimizing the need for human intervention at the first stages of the recruitment process. It is also multilingual, allowing candidates to interview in their mother tongue.
The bank has also implemented AI to detect fatigue among its call center employees. Professional exhaustion not detected is a problem that afflicts many call centers; And this new system uses learning in depth for the analysis of the facial movement in real time – assess microexpressions, the frequency of the smile and the facial tension in real time. Managers can then take rapid corrective measures.
The most innovative financial technology company in central and eastern Europe | Compensation
Poland Impost Pay has developed an online application that rationalizes customer online shopping experience by combining payments and deliveries on a single unified platform. Once customers are registered with Impost Pay, they can buy in several online stores without connecting to each store. They do not have to select a payment option and a delivery means each time, because these preferences are saved in the system. Customers can also change their caddage purchases as they please.
Studies have shown that 60% to 70% of online purchase baskets are abandoned by consumers – a point of pain for merchants and consumers.
Package salary claims to have dropped this rate considerably. Impost Pay acquired 3 million users in the first six months after the launch of the solution in 2024. The company plans to extend the service beyond Poland soon.
Innovations in finance worldwide from central and eastern Europe
Your everyday financial companion Akbank Mobil: for you | Akbank
In January, AKBANK in Türkiye launched a reworked version of its mobile banking application with a new multidimensional ecosystem which incorporates life elements, personalized information and partners based on partners. Using AI, the application provides prospects and information in a range of fields, including travel planning and household budgeting. Since the redesign, the application has had 4.8 million unique visitors, of which 214,700 have become active mobiles for the first time. Akbank reports that its raw profits have increased since the launch.
CSOB mortgage with digital signature and mortgage area | Csob
CSOB has stimulated its mortgage activity by applying emerging technology to a local problem. From March, Advanced Electronic Signature Technology allows customers to sign mortgage and warranty agreements, completing a range of mortgage processes, without entering a bank branch.
The new tool also allows important time for mortgage candidates, as they must no longer deal with the land register of the Czech Republic. Everything can be done by mobile phone or on a domestic computer. More than a third of CSOB mortgage activity is now completed using a qualified electronic signature.
New generation fraud and prevention detection system | Kapital bank
Last year, Kapital Bank became the first financial institution in Azerbaijan to integrate advanced surveillance in real time and multilayer cyber-defense mechanisms for fraud prevention.
The new system applies 54 separate prevention controls aligned with global standards for information security management systems. A 24 -hour surveillance mechanism blocked attempts to attempted fraudulent actions before they can occur, protecting the 5 million Kapital Bank customers. Last year, the system thwarted 198,734 fraudulent transactions, double the total of the previous year, the bank reported.
Bancassurance | But
Last year, Maib became the first Bank of the Republic of Moldova to fully integrate digital insurance into its banking offers. Customers of the retail bank can now buy credit protection insurance to cover loan payment payments in the event of illness or job loss.
The entire process, the remuneration loan agreement, can be managed directly on the MAIBank mobile application, including vehicle and travel insurance coverage. Maib worked with Donaris Vienna Insurance Group to make these insurance products sometimes complex more understandable and accessible for banking customers.
The digital ecosystem of RBI cash management | Rbi
RBI has been a regional leader in the adoption of faster and more secure processes for the management of electronic bank accounts. Its new cash management system provides real -time updates and rationalized data reconciliation as first stages in progress for fully digitized management of all bank accounts.
RBI has also accelerated integration for its major international customers, in particular the New Yorker fashion channel, by grouping centralized treasure capacities, the integration of Plug-And-Play APIs in SAP software solutions and practical management of accounts.
Improvement of customer service from the Slovak call center with refined whispering model | Tatra Banka
Tatra Banka, a serial innovator, has developed a new discourse model on the personalized text for the transcription of call center records. Developed by the advanced department of the analysis of the Banque based in Slovakia, the service operates the generative AI and was refined on the internal speeches of the bank.
Tatra Bank’s goal was to extract information, dates and account amounts. The system automatically records which called, the date and reason of the call, as well as the size of the appellant’s bank account. The model also analyzes text transcriptions to obtain information on customer concerns using Whisper, an Open Source Automatic Vocal Recognition System for its own speech needs.