The development of digital innovation is one of the key, priority actions for implementation of the Group strategy which aims to expand the Bank’s product offer to entirely digital sales channels, improve the user experience for all types of users involved and digitise internal processes.
For the rebranding project, with the launch of the Bank’s nedigiw website (bancaifis.it), we rationalized and improved the online presence of the Banca Ifis Group. The main website and 6 “sub-sites” specialized in vertical issues replace the 22 websites previously online.
On the digitisation front, Ifis4business was launched in 2020, a program split into several intermediate steps, enabling client companies to manage the entire product portfolio easily and in real time. The conception and launch of this path stems from the desire to rationalize and simplify the current portals by providing companies with a single access point and an enriched range of operations available, to be performed digitally.
Still in 2020, the Pos payment service of Banca Ifis dedicated to pharmacies, FarmaPos, was launched. The Credifarma and Nexi initiative to facilitate electronic money payments, allows pharmacies to facilitate purchases, limit the use of cash and correctly channel cash flows.
For retail customers, in the NPL area, the PagoChiaro Portal, or the online payment platform created to help debtors return to “performing” in a sustainable way, using the speed of the digital approach, was further evolved.
We follow technological evolution with interest, evaluating the possible application of innovations to our sector.
In the NPL business, we have already integrated Artificial Intelligence (AI) to analyse large amounts of data; the next goal will be to use robotics to verify digital documentation during the portfolio onboarding stage.
Important innovations also involved the relationship with customers, who can subscribe to new products by signing contracts digitally using the digital signature or vocal order systems.
Furthermore, in July 2020 we signed a partnership with Fintech Raisin to make online deposit accounts available on the German marketplace WeltSparen (https://www.weltsparen.de).