Andrzej Miron

European payment sovereignty is moving forward. After unveiling their cooperation in June, the EuroPA | European Payments Alliance (Bancomat, Bizum, MB WAY, Vipps MobilePay) and EPI Company are pleased to report that the exploratory phase of their partnership, to interconnect their solutions through a central technical hub, based on European standards and infrastructure, is approaching its successful completion. 🎯 The ambition: enabling more than 120 million combined customers across 13 markets in Europe, to send and receive money instantly with friends and family and to make purchases online and in-store, with seamless cross-border reach across Europe, while continuing to use their preferred solutions. A key milestone toward a truly sovereign and integrated European #payments infrastructure, serving both consumers and merchants. An ambition BNP Paribas is proud to support. 🤝

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Artificial Intelligence: the BNP Paribas European Mediterranean IT teams in Motion Last week we were pleased to bring together representatives of the IT teams of BNP Paribas European Mediterranean: BNP Paribas Bank Polska 🇵🇱, TEB 🇹🇷, UKRSIBBANK BNP Paribas Group 🇺🇦, BMCI Groupe BNP Paribas 🇲🇦, BNP Paribas El Djazaïr 🇩🇿, TEB Sh.A. 🇽🇰, and EM Head Office 🇫🇷. The highlights of this seminar were dedicated to Artificial Intelligence with dynamic exchanges, innovative ideas, and inspiring perspectives for the future of our banks. Artificial Intelligence, with all its promises and challenges, has been explored from various angles. We had the chance to listen to experts, share their valuable experiences and perspectives on how AI is transforming the finance industry. We discussed how we can leverage these technologies to improve our projects, processes and client experience. AI ambition is a strategic commitment from the group to promote adoption, fostering cross-value creation to capitalize on the most relevant artificial intelligence experiences. This was an opportunity for me to provide some perspectives: ✅ AI is a true Game Changer ✅ AI is no longer Optional ✅ AI is a real Change A highlight of the seminar was the presentation by Francois BENAROYA, who introduced EM’s strategy and ambitions in the field of AI. His vision and ideas have inspired us and strengthened our commitment to staying at the front of technological innovation. We also had the privilege of having Marc CAMUS participate, who shared the IT ambitions of the BNP Paribas, emphasizing the importance of production quality, cybersecurity, and transformation towards the cloud, while delivering customer-centric solutions. Thomas Courtois (President of Nickel ) gave us the pleasure of coming to speak about the success of Nickel and to share his vision of the contribution of AI in the development of the business. In addition, we also had other speakers : Vincent D. ( EM AI Leader ), Kristof Meganck ( Chief Data Officer of BNP Paribas Fortis ), and Xuan-Son NGUYEN ( CTO AI & Innovation of BNP Paribas ). Each of them brought enriching perspectives on the future of AI and technological innovation. This seminar has strengthened our resolve to explore the infinite possibilities offered by AI. We are in motion to put the acquired knowledge into practice and to see the positive impacts. Stay connected and keep moving forward together towards an exciting future with AI. #Innovation #ArtificialIntelligence #AI #TechTalks #WeArePioneer

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It might be a coincidence that MEBIS was held next to the Museum of the Future, but we definitely felt the spirit of future in the air. It was great to contribute in a panel discussion about practical experiences of AI implementation in the financial sector, all fellow panelists were pragmatic and result oriented, we left the buzzwords out of the room. If I need to conclude the message short: 1️⃣ Don’t expect AI to change how you operate - instead AI can be used as a tool to help you drive the change 2️⃣ You need to know your data. Any AI will be as good as your data enables it - and data privacy is a key topic 3️⃣ AI needs investment. Not just in GPU’s but mostly - in humans. Trainings, orientations, and change management. Remember: AI still operated by Humans, Sarah Conor made good job earlier 🤖🦾 Thanks for Sherryn de Vos for the invitation and the excellent hosting, you are indeed a professional cat caretaker 👍 #mebis #futureofai #financetechnology

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CRM transformation — five years in. A few reflections. When we began the digital transformation of our Retail business, CRM was one of the core strategic bets — foundational to all three domains of our strategy: acquire, engage, and monetize. For those who have led transformation in banking, the complexity is well known: changing how people work, breaking silos, making data usable in real time, and aligning teams around one view of the customer. At the heart of this is a central, state-of-the-art CRM — the core of how the digital bank with a human touch operates. It keeps us context-aware in every interaction and delivers the kind of experience customers increasingly expect when interacting through mobile. Today, it’s part of how we operate — with measurable impact for customers and teams. A few weeks ago, I shared more in an interview. Iryna Arzner, Jalal Douame, Igor Sopcak, Mariia Komissarova, Mathias Fanschek, Petro Merkulov, Matthias Dekan

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It’s an oxymoron. But the AI bank debate ended before it even began. Banking is moving from customer- to agent-centric. And agentic banking is the real shift.   Three structural shifts are taking place:   • 𝗙𝗿𝗼𝗻𝘁-𝗲𝗻𝗱: Banks have always built tools to own the customer relationship - apps, portals, distribution channels. But agents will increasingly sit between customers and banks, making recommendations, negotiating, and even executing on their behalf. The entire customer journey is turned inside out, and banks need strategies to be discoverable, interoperable, and trusted by agents.   • 𝗕𝗮𝗰𝗸-𝗲𝗻𝗱: Core banking was once the heart of the bank - where accounts, ledgers, and transactions lived. Now agents are creating a new brain layer on top, orchestrating credit, risk, compliance, and operations in real time. Static legacy rules are replaced by adaptive reasoning powered by knowledge graphs, expertise, and reinforcement learning. The bank’s intelligence is migrating out of the core and into an agentic layer.   • 𝗢𝗿𝗴𝗮𝗻𝗶𝘇𝗮𝘁𝗶𝗼𝗻: Banks have long relied on hierarchies of people, processes, and departments. With agents acting as co-pilots and co-pilots evolving into autopilots, every role in the bank will be augmented or reshaped. This is an entirely different operating model where agents collaborate with humans, redefining how work is organized, supervised, and delivered.   These aren’t theoretical shifts - they’re already being put into practice. Huawei, a major provider of financial infrastructure, has released the 𝗙𝗶𝗻𝗔𝗴𝗲𝗻𝘁 𝗕𝗼𝗼𝘀𝘁𝗲𝗿: a Financial Intelligent Agent Accelerator built to help banks move from pilots to full-scale commercialization.   FinAgent Booster is part of Huawei’s Digital Finance positioning – the application scenarios below are eye-opening:   • 𝗖𝘂𝘀𝘁𝗼𝗺𝗲𝗿 𝗷𝗼𝘂𝗿𝗻𝗲𝘆𝘀: Accuracy, memory, and latency have long limited digital banking. Huawei employs a master-slave agent framework to interpret intent and coordinate tasks, a memory system that learns from context and past interactions, and full-chain optimization to ensure instant responses. The outcome is akin to a dedicated banker for every client.   • 𝗗𝗲𝗰𝗶𝘀𝗶𝗼𝗻-𝗺𝗮𝗸𝗶𝗻𝗴: Agents are becoming the bank’s new decision layer. Thousands of reasoning chains and past insights are encoded into models that continuously learn and adapt.   • 𝗢𝗽𝗲𝗿𝗮𝘁𝗶𝗼𝗻𝘀: Agents are being embedded to augment every role across the organization. Intelligent contact centres route customer needs to the right resources, insight hubs act as decision-making headquarters, and role-based agents support clients, loan officers, and back-office staff.   For banks, the agentic clock is already ticking.   Opinions: my own, Graphic source: Huawei, Panagiotis Kriaris   Subscribe to my newsletter: https://lnkd.in/dkqhnxdg

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