Petr Podzimek

Czechs often hold 2–3 bank accounts. Multibanking was meant to make that easier. It never really took off. Petr Kučera tested multibanking across Czech banks for Peníze.cz. The results show why adoption never took off: – Inconsistent APIs and frequent outages – Re-authorisations every 90–180 days – Limited functionality (often just balance view, no payments) The outcome? ČSOB already shut it down. KB+ didn’t bring it forward. Only a handful of banks like Air Bank or Partners Banka still invest in it. In Switzerland, banks signed a memorandum to support multibanking. PSD3 and FIDA could change the rules and extend data access beyond payments to investments, pensions, insurance. With stronger standards, multibanking might get its second chance. Credit: Petr Kučera, Peníze.cz

142

13 komentářů

Curious what AI adoption looks like in action in the SDLC? 🚀 At Hungary’s largest online IT competition award ceremony, Attila Oláh (Lead Engineer) and Robin Csutorás (Principal Tech Lead) shared how Supercharge engineering teams, processes, and people bring AI into real workflows. 🔁 Swipe to see the practical side and key learnings! 👇

24

1 komentář

Recently, I was informed that Dom Development S.A., a major residential developer in Poland, suffered a cyberattack resulting in the unauthorized extraction of data from its IT systems. According to the official notification, my personal data may have been affected. What is particularly concerning is the breadth and sensitivity of the data categories involved. Based on the communication sent to impacted individuals, the potentially exposed data appears to include not only standard identification and contact details, but also PESEL, identity document data, bank account numbers, transaction history, financial information related to crediting, civil status, and health-related data. This represents a combination of high-risk personal data and special categories under GDPR. While the company states that it has complied with its obligations under Articles 33 and 34 of the GDPR, the timeline between the incident and direct communication to affected individuals highlights how critical incident detection, escalation, and transparent communication are as part of mature data governance. Timeliness in this context is not a formality, it is a core risk-mitigation control. An additional concern is the sequence of communication. In my case, I became aware of the incident through media reports and public social media discussions before receiving a direct notification from the company. From a data protection and incident response perspective, learning about a potential breach affecting one’s own data via third-party channels undermines trust and reinforces the need for prompt, direct, and prioritized communication with affected data subjects. From a risk management perspective, the response also raises questions about whether the remedial measures offered are proportionate to the potential impact of the breach. Beyond formal notifications and general guidance, there appears to be limited evidence of enhanced support, concrete remediation, or accountability measures that would meaningfully reduce downstream risk for data subjects. In incidents involving identifiers with long-term consequences, compliance alone may not be sufficient to restore trust. I am sharing this not to sensationalize a single incident, but to underline a broader point: organizations that process large volumes of sensitive personal and financial data must treat cybersecurity and data protection as core operational risks, not auxiliary IT concerns. Incident response maturity, realistic threat modeling, and timely communication are essential components of that responsibility. We should continue to expect high standards of accountability and transparency when it comes to the protection of personal data. Repeated exposure to such incidents erodes trust, even when formal compliance requirements are met. It is my understanding this case has already been notified to Urząd Ochrony Danych Osobowych and the DPA as always will keep up their good work of oversight and control Mirosław Wróblewski

10

Core modernisation doesn’t have to be risky. For banks and payments companies, the fear of disrupting mission-critical systems often delays transformation. But what if AI could shine a light into your legacy stack - before you touch a line of code? At Endava, we embed AI into our core modernisation approach, making discovery faster, smarter, and far less risky. Whether it’s code refactoring, re-platforming, or re-architecting, our clients move forward with clarity and control. Let’s reimagine what modernisation looks like without the fear. #CoreModernisation #AI #BankingTransformation #PaymentsInnovation #LegacySystems #Endava #Fintech #DigitalBanking #FinancialServices

22

Commerzbank is setting new standards in the fight against financial crime with AI-driven solutions. 🚀 We are taking the next step towards fighting financial crime more effectively. In collaboration with Hawk, a specialist in AI-driven AML and fraud prevention, we are enhancing our existing compliance system landscape with the innovative AML AI Extended Risk Model solution. As a result of the partnership, we have achieved:  ✅ Detecting Novel Cases of AML and fraud – New patterns have been identified ✅ Increased Accuracy of Alerts: Fewer false positives are being created   ✅Extended for Model Governance: Existing validation processes have been expanded to include robust AI model governance Hans-Georg Beyer, Group Chief Compliance Officer, adds: “As a pioneer, Commerzbank is using its position to fight against financial crime in an even more targeted manner.” Our journey doesn’t stop here. We will continue to innovate and work towards smarter, more effective solutions to combat financial crime. 🤝 👉 Read the full story here: https://scom.ly/AIFraud26 #Commerzbank #AML #ArtificialIntelligence #FinancialCrime #Compliance

511

34 komentářů

23% automation capacity increase for Raiffeisen Bank International AG. That's the immediate impact of Pointee on your automation operations. ‍Raiffeisen Bank is a key player in the financial landscape and is relied on by millions of customers across Europe. The automation team was facing difficulties managing their RPA infrastructure solely with Blue Prism which was becoming increasingly complex. Almost immediately after adding Pointee to their AI tech stack, the team noticed a big difference: ❇️ 50% more controller availability thanks to reduced manual oversight and faster process checks ❇️ 23% automation capacity increase ❇️ Bot monitoring time cut by 66% Another day, another win. I'm beyond happy we had the chance to work with another successful enterprise client in BFSI.

36

8 komentářů

✍️ I should have written more... Looking back at 2025, this thought kept coming up again and again. Especially about what’s really happening in the Romanian IT industry. Most of the voices we hear on LinkedIn today are not technical ones. They come mainly from management. And while management perspectives are important, many of these voices belong to people who are not engineers, have never truly worked as developers, and often make decisions without fully understanding the technical reality. Meanwhile, many engineers stay silent. If the topic isn’t strictly technical, we tend to step back. We avoid public opinions. And that silence creates a gap—one that gets filled by non-technical narratives and decisions made without input from those building the software. I want to change that. I’m starting to write on Substack about: 🧠 What professional software engineering really means 👨‍💻 How the last few years in Romanian IT looked from ground level, through a developer’s eyes ⚠️ What I believe went wrong (and is still going wrong) 🛠️ What we can do better 🧭 And what direction I believe the industry should move toward These articles are for anyone interested in what’s happening in IT—developers, stakeholders, and decision-makers who want to hear perspectives from people actually working in the field. The link to my first article is in the comments.

27

3 komentáře

Sii and Synthesized join forces to accelerate software testing 💪 We have entered into a partnership with Synthesized, a leading technology company delivering an AI-powered Test Data Management and synthetic data platform for modern software engineering and QA teams. By combining our QA expertise with their technology, we help you modernize your Test Data Management. Why transform your TDM with Sii and Synthesized?  ✔️ Up to 30% faster delivery cycles thanks to automated data generation  ✔️ Full GDPR compliance with high‑fidelity data containing zero sensitive information  ✔️ Expert-led migration from manual workflows to automated “data-as-code” Our team ensures seamless integration with your existing tools, such as mabl, Tosca, and NeoLoad. No data gaps. No test delays. Just continuous CI/CD. Learn more and modernize your testing process with Sii experts 👉 find the link to the article in the comment.

36

1 komentář

Adaptability and innovation are critical for navigating today’s fast-changing business landscape. At Endava, we’re exploring the potential of combining AI and quantum computing to solve complex challenges that neither can address alone, so that we can find solutions for our customers. Our Global Head of Innovation, Roshina Nandra, PhD shares the insights. Peek into what innovation looks like at Endava 🤖 https://okt.to/rMyKNk #DigitalTransformation #InnovationStrategy

33

🚀 Banking CRM and Workflow Automation with AI and No-Code. Discover how Qualysoft sustained Raiffeisen to transform corporate lending with a fully tailored platform built on Creatio: ✅ Streamlined loan management ✅ Workflow automation ✅ Full process transparency ✅ Seamless stakeholder collaboration Real results, real impact in the banking sector. Download the case study ➡️ https://lnkd.in/dRyeZ-MT #AI #NoCode #CRM #BankingInnovation #Creatio #Qualysoft

9