News from the Developer Portal

• PKO Bank Polski is one of the technology recipients of the Huge Thing Startup Booster acceleration program and invites startups to participate in the recruitment process.
• The bank is looking for solutions that will better meet customer needs or support the organization's digital transformation.
• Authors of the best applications selected for the program may receive a grant of up to PLN 350,000 to implement their solution, including at PKO Bank Polski.

PKO Bank Polski invites startups with an existing product or service to apply for the Huge Thing Startup Booster acceleration program. Recruitment will last until July 28, 2024, and details are available on the operator's website. Read more...

On April 5th and 6th, we invite you to the largest event for the IT community. We are approaching the 15th edition of the conference, which will be held in a hybrid format - online and onsite at the PGE Narodowy in Warsaw.

We have 2 days of lectures, presentations, discussions, and experience sharing ahead of us. We invite you to visit our bank's booths (both virtual and in-person) during the event, where you can discuss our projects as well as the wide range of career opportunities in the bank and the entire capital group. It's a great opportunity to meet with recruiters and IT experts.

We invite you to attend the presentations by our bank's speakers.

• Date: 6.04.2024 - Jeremi Konopka, Director of the Electronic Banking Applications Department "From Mainframe to Cloud: Transitioning a Massive Card Processing System in One Leap."
• Date: 6.04.2024 - Piotr Helbich, Director of Open Banking Formation, and Kamil Sorokosz, Product Owner / Senior Developer "The Three Dimensions of Cybersecurity: The Story and Experiences of Implementing Security Shift Left in Development Teams."

Learn more about the event at https://warszawskiedniinformatyki.pl/

Find current job offers at www.pkobp.pl/kariera

• The shopping frenzy of Black Friday continues, with a significant rise in card and BLIK transactions on this day.
• Over the past 5 years, card payments in physical and online stores have grown by 65%, while BLIK transactions have nearly tripled.
• This is based on an analysis of Black Friday transactions with debit and credit cards as well as BLIK, made by PKO Bank Polski customers from 2019 to 2023.
• Safety first - during the holiday shopping rush, be cautious with your cards, phone, and beware of fake online stores or misleading 'super deals.'

Statistics on card and BLIK transactions show that the Black Friday shopping trend is here to stay. This is the key takeaway from the analysis of transactions carried out on this day by PKO Bank Polski customers using debit cards, credit cards, and BLIK over the past 5 years. From 2019 to 2023, the number of card transactions on Black Friday grew by 65%, reaching over 3.3 million, while BLIK transactions almost tripled, reaching 1.25 million in 2023. Amid the holiday shopping hustle, it’s essential to remember safety measures—keep your payment cards, phone, and PIN codes secure, and stay alert to fake online stores and fraudulent SMS messages. Read more...

• A new look, intuitive solutions, and customization options—these are the latest changes in the PKO Junior app for children.
• For parents—a refreshed appearance and updated functionality of the 'child's finances' management profile in the iPKO online service.
• The parent's profile in iPKO adapts to the device, enabling convenient management of a child's finances from a computer, tablet, or phone.
• Soon, children will also be able to use contactless BLIK payments in PKO Junior.

The latest version of the PKO Junior app makes managing finances easy, intuitive, and engaging for kids (under parental supervision) and supports parents in financial education. Children can personalize the app and learn about finances with the help of a talking robot that provides tips. Parents can view and approve decisions through the refreshed 'child's finances' profile in the iPKO service. Soon, children will also be able to make contactless payments via BLIK using the app. Read more...

• PKO Bank Polski customers can now use debit cards issued with their accounts in a digital format.
• New and renewed debit cards are instantly available in the IKO mobile app and iPKO online service—usable without waiting for a physical card to arrive.
• The digital card's dynamic CVC/CVV code enhances security and convenience for online payments.
• Since March, customers have already been using digital versions of PKO Bank Polski credit cards.

Digital cards are now available for individual customers using debit and credit cards from PKO Bank Polski with Visa or Mastercard logos. At the same time, customers can continue using traditional physical cards. The implementation of a dynamic CVC/CVV code on the digital card increases the level of protection and security for online card payments. PKO Bank Polski is one of the few banks worldwide to offer such a dynamic security code in its app. In the future, the bank will allow customers to choose between using only digital cards or both digital and physical versions. Read more...

• Starting from September 30, selected customers can apply for a mortgage fully remotely at PKO Bank Polski.
• This is the first such solution in Poland, allowing the entire process – from application submission, through analysis and decision-making, to signing the loan agreement – to take place remotely, without the need for the customer to visit a branch in person.
• Initially, this option will be available to single individuals planning to purchase a secondary market property or conduct renovations.

Starting from September 30, PKO Bank Polski is launching the first stage of a fully remote mortgage process. This is the first solution of its kind in Poland, where the entire process – from generating an offer, submitting an application, analysis, decision-making, to signing the loan agreement – can be carried out remotely. Initially, singles with an employment contract, planning to buy a secondary market property or renovate, can apply for a digital mortgage through the iPKO transaction service. Read more...

• 50 million conversations lasting a total of over 700,000 hours – these are the latest statistics for customer interactions with PKO Bank Polski's voicebots.
• The IKO voice assistant has 4 million users, who have interacted with it more than 16 million times.
• Currently, PKO Bank Polski operates 17 AI-powered conversational bots.

10 million PKO Bank Polski customers have spoken with the bank's voicebots over 50 million times. All of these conversations, on the bank's helplines and with the IKO voice assistant, have lasted over 700,000 hours. Read more...

• PKO Bank Polski customers can now secure their login to the iPKO online service using security keys.
• A PKO Bank Polski customer can replace the current method of additional login confirmation – IKO app confirmation, SMS code, or code from a code card – with a security key.
• With this type of security, no one who does not have the customer’s key will be able to log into the iPKO service, even if they know the user’s login and password.

A security key or hardware key is a small device with a USB port, resembling a pendrive. It is used to securely confirm identity online whenever the service requires two-factor authentication. In practice, this means that with the use of such a key, no unauthorized person, such as a cybercriminal, who does not have the customer’s key will be able to log into the iPKO service, even if they know the user's login and password. Read more...

• Robots at PKO Bank Polski have already completed 300 million tasks.
• The bank has automated a total of 320 business processes.
• Automating repetitive and large-scale processes enables the handling of a greater number of customer transactions and improves operational efficiency.

PKO Bank Polski has already automated 320 business processes, and its "digital employees" have completed over 300 million tasks in total. In the last 12 months alone, the robots have performed 100 million operations. The automation of repetitive and large-scale processes allows for the handling of more customer transactions and boosts operational efficiency. The bank has implemented an intelligent data reading tool for 7 million paper documents and scans, which has powered the robots and accelerated the automation of many processes. Read more...

• PKO Bank Polski uses artificial intelligence to more effectively manage credit risk.
• Currently, over 80% of credit decisions are made with the support of advanced machine learning algorithms.
• Thanks to modern technologies, the bank can more accurately assess a customer's ability to repay a loan and offer a better-suited product.

PKO Bank Polski utilizes artificial intelligence to more effectively manage credit risk. Already, over 80% of credit decisions are made with the support of advanced machine learning algorithms. Thanks to modern technologies, the bank can more accurately assess a customer's repayment ability and offer a better-suited product. Machine learning is also used to monitor credit portfolios and payment timeliness. Read more...

• PKO Bank Polski uses advanced machine learning algorithms to better identify its customers' needs.
• From now on, users will find information tailored to their individual preferences on the bank's website.
• PKO Bank Polski is developing hyper-personalization to create individualized offers for customers in the future.

PKO Bank Polski utilizes artificial intelligence and data analysis to better understand its customers' preferences and expectations. The bank can now tailor products to users in real-time and display information about them in the most prominent spot on the pkobp.pl homepage. By leveraging advanced technologies, PKO Bank Polski is advancing hyper-personalization to create individualized offers for customers. Read more...

• The additional services platform of PKO Bank Polski is now a year old. Thanks to it, the bank can expand its offering of non-banking services.
• The solution allows for the integration of services from various providers and offers them to customers in the IKO mobile app and the iPKO online service.
• Based on the platform, PKO Bank Polski is building a marketplace for additional services. In 2024, it plans to double its offering.

The additional services platform of PKO Bank Polski was launched in March last year. Thanks to it, external providers can make their services available through the bank's digital channels, and customers can use the IKO and iPKO channels to access offerings beyond the banking world. They can already schedule e-medical visits, purchase screen protection for their smartphones, codes for e-books and audiobooks, cinema tickets, or access to VOD services. Based on the platform, PKO Bank Polski is expanding its offering of additional services and plans to double their number in 2024. Read more...

• PKO Bank Polski is a partner of the Degen Hack hackathon, which will take place from February 16th to 18th in Warsaw.
• As part of the challenge prepared by the bank, participants will create a product or service based on blockchain technology.
• PKO Bank Polski already utilizes blockchain, including in a durable medium that allows documents to be delivered to clients in digital form, reducing the company's carbon footprint.

PKO Bank Polski is a partner of the Degen Hack hackathon, which will take place this coming weekend in Warsaw. The participants' task will be to develop solutions based on blockchain technology that can be practically applied in the financial sector. Over 200 people have already confirmed their participation in the event, including programmers working on international projects and Polish companies specializing in blockchain, such as Aleph Zero and Golem Network. The total prize pool is 45,000 USD. Read more...

• Jakub Wujec from PKO Bank Polski was part of the winning team in the Super Vision Hack 3: Depo Predator Challenge hackathon organized by the Financial Supervision Authority (UKNF).
• The task for participants was to create innovative solutions supporting the supervision of the financial market.
• Success in industry competitions is further evidence of the bank's strong position in developing innovative technological solutions supported by advanced data analytics.

Jakub Wujec, a specialist from the Big Data Office in the Data Analytics Department of PKO Bank Polski, was part of the winning team in the Super Vision Hack 3: Depo Predator Challenge organized by UKNF. The team won first place and the main prize for developing a web scraping tool. The solution enables the collection and analysis of data on savings products offered by Polish banks, along with a notification mechanism for detected anomalies. It can serve as an indicator of potential liquidity problems in selected financial institutions. In addition to the analytical engine, partly supported by ChatGPT, especially for analyzing PDF documents, the winning tool also features an intuitive graphical interface. Read more...

• Low code/no code platforms allow the bank's business teams to build tools for designing internal processes and simple applications without involving IT skills.
• So far, PKO Bank Polski operations employees have independently created 218 tools on the iWorkflow platform.
• Thanks to low code/no code technology, the bank can deepen digitization in selected areas, enhance employees' digital skills, and adapt to the rapidly changing business environment.

Bank employees have already created 218 tools for handling internal processes using low code/no code technology. As a result, more and more repetitive and simple back-office processes are being automated, replacing cumbersome Excel sheets, external applications, or sending documents via email. These digital tools are used in operations for tasks such as handling invoices, archiving documents, monitoring and administering products, managing credit settlements, and supporting advisors. This year, they have already completed 85,000 tasks. Low code/no code is a continuation of the bank's strategic direction towards innovation, which includes digital transformation in operations. It is also a way to further increase operational efficiency and develop employees' career paths. Read more...