Eurobank has presented Banking Forward, a comprehensive overview of the Bank's digital banking ecosystem, highlighting the new digital banking experience, the use of Artificial Intelligence (AI), the evolution of mobile banking, and the redesign of customer journeys for both retail and business customers.
The 29 June event, held at the Eurobank Campus Conference Centre in Nea Ionia, was attended by the Chairman of the Board of Directors of Eurobank, George P. Zanias, together with the Deputy Chief Executive Officers Konstantinos Vassiliou, Iakovos Giannaklis, and Stavros Ioannou.
Through presentations by Eurobank executives and representatives of its strategic partners, the event showcased how the Bank leverages technology, data, Artificial Intelligence and a modern digital architecture to deliver a more personalised, simpler and more efficient customer experience.
As part of this strategy, Eurobank is implementing the largest technology investment programme in its history, allocating approximately €1 billion over the 2025–2028 period to investments in modern infrastructure, cloud technologies, data, Artificial Intelligence and new digital capabilities.
The event covered every aspect of Eurobank's digital ecosystem, from the new digital banking experience, AI applications and the capabilities of the Eurobank Mobile App, to the technological infrastructure supporting millions of transactions every day, digital solutions for businesses, and accessibility and inclusion initiatives designed to ensure equal and seamless access for all customers.
Eurobank also announced the expansion of its strategic partnership with Mastercard, broadening the range of services and experiences available to customers. Under the enhanced collaboration, holders of Eurobank Mastercard cards will enjoy privileged access to unique experiences in music, cinema, sport and entertainment through Mastercard's Priceless experiences platform.
Particular emphasis was also placed on the strategic partnerships that continue to expand Eurobank's ecosystem of services and experiences, with the further extension of its long-standing collaboration with Mastercard taking centre stage. Under the new agreement, Eurobank customers will benefit from access to Mastercard's global acceptance network, advanced security solutions and state-of-the-art payment technologies, while the range of exclusive experiences and privileges available to Eurobank Mastercard cardholders will be significantly enhanced.
Ioannis Serafeimidis, Chief Retail Growth Officer at Eurobank, and Panagiotis Polydoros, Country Manager for Greece, Cyprus and Malta at Mastercard, presented this new chapter in the collaboration between the two organisations, highlighting the evolution from payments to a broader ecosystem of customer experiences.
Through the Eurobank Mobile App and Mastercard's Priceless platform, cardholders will enjoy privileged access to high-demand music events, as well as selected experiences across music, cinema, sport and entertainment.
Eurobank executives also presented the various dimensions of the Bank's digital ecosystem. Group Chief Information Officer Anestis Petridis and Group Corporate Security Officer & Chief Information Security Officer Ioannis Tzanos highlighted the role of technology, infrastructure and cybersecurity, while Maria Leontiou, Head of the GenAI Center of Excellence & Innovation, outlined Eurobank's approach to leveraging Artificial Intelligence and Generative AI.
The new digital customer experience and modern customer journeys were presented by Head of v-Banking, Panos Theodorou, Head of Individual Banking, Elena Pantazi and Head of Digital Solutions, Olga Hharalambidis, while Head of Transaction Banking, Eleftherios Vlachogiannis, focused on the way in which digital banking is integrated into the daily operations of businesses.
Banking Forward at a Glance
Banking Forward reflects the evolution of the banking experience through significant investment, high levels of digital adoption, technological innovation and strategic partnerships that continue to expand Eurobank's ecosystem of services.
Key figures
- €1 billion invested in technology, infrastructure and security during the 2025–2028 period.
- 96% of all transactions are carried out digitally.
- 61% of transactions are completed through the Eurobank Mobile App.
- Among customers aged 35 and under, digital transactions account for 94%.
- Approximately 574 million e-Banking and Mobile Banking logins are recorded each year.
- More than 1 million digital transactions are processed every day.
- Around 50% of the Bank's applications and digital channels already operate in the cloud.
- More than 1,600 professionals work within the Digital & Technology Hub.
- More than 30 cross-functional teams develop digital services.
- Over 100 new digital capabilities have been introduced during the past six months.
- One in every three banking products is now acquired digitally.
- Digital product acquisition increased by more than 160% during the first half of 2026 compared with the corresponding period in 2025.
Digital Banking in Everyday Life
Today, 96% of Eurobank's transactions are conducted through digital channels, with 61% taking place via the Eurobank Mobile App. Among customers aged up to 35, this figure rises to 94%.
Each year, approximately 574 million logins are recorded across the Bank's e-Banking and Mobile Banking platforms, while users of the Eurobank Mobile App log in an average of 27 times per month—almost once every day. At the same time, seven out of ten digital customers rely exclusively on their mobile phones to manage their banking.
The range of payment services available through Eurobank's digital channels now exceeds 5,200. More than one million digital transactions are processed daily, with peak processing rates reaching 2,500 transactions per minute, while the Bank is capable of serving up to 160,000 customers every hour.
Meanwhile, transactions carried out through the Eurobank Mobile App grew by more than 40% during 2025, underlining the leading role that mobile banking now plays in the overall digital customer experience. During the first five months of 2026, the number of customers using Mobile Banking was twice that of users accessing traditional e-Banking.
The rapid growth of the Bank's digital channels is also reflected in the acquisition of banking products. During the first half of 2026, one in three banking products was obtained entirely through digital channels, representing an increase of almost 160% compared with the same period in 2025.
In certain product categories, digital adoption has become almost universal. For example, 95% of Eurobank's prepaid cards were issued through the Eurobank Mobile App.
Today, two out of every three active Eurobank customers are Digital First customers, using Eurobank as their primary banking institution. They also demonstrate significantly higher use of banking products, maintaining approximately twice the depth of relationship with the Bank in terms of deposits and lending products.
Eurobank's strong market position is equally evident in the business sector, where approximately 30% of the total value of digital business transactions in Greece is processed through the Bank's digital channels.
Artificial Intelligence Driven by Generative AI
Artificial Intelligence plays a pivotal role in the evolution of the banking experience, enabling Eurobank to provide faster, more personalised and more efficient services.
By systematically harnessing the capabilities of Artificial Intelligence, with a particular focus on Generative AI, the Bank is building an integrated ecosystem of solutions that enhances the customer journey, improves productivity and accelerates innovation.
A prime example is EVA (Eurobank Virtual Assistant), Eurobank's digital customer service assistant, which continues to evolve by improving both the quality and responsiveness of customer support across the Bank's digital channels.
Similarly, myEVA, the Bank's internal AI Voice Assistant, serves as a modern digital colleague for employees, supporting their day-to-day work and increasing productivity.
Artificial Intelligence is also being deployed across a number of critical business areas, including:
- mortgage loan assessment;
- customer feedback analysis;
- contract document processing; and
- the development of new digital services.
Supporting these applications is a comprehensive AI development and operating ecosystem that connects business needs with technology and creates the foundations for the systematic adoption of innovation across the organisation.
A Comprehensive AI Ecosystem
Eurobank has established an integrated environment for the development and deployment of Artificial Intelligence solutions, strengthened through strategic partnerships and modern technological infrastructure.
At the heart of this ecosystem is the GenAI Factory, the Bank's next-generation platform for the systematic and scalable adoption of Generative AI across the organisation.
Leveraging Microsoft Azure together with the EY.ai Agentic Platform, supported by the accelerated computing capabilities of NVIDIA, Eurobank is developing intelligent systems that improve efficiency, increase agility and deliver fully personalised customer experiences.
Through its strategic partnership with Fairfax Digital Services, Eurobank has become one of the first banking groups in South-Eastern Europe to adopt Agentic AI solutions in a structured and scalable manner.
The GenAI Center of Excellence provides the governance and operational framework required for the responsible and consistent use of Artificial Intelligence, supporting the transition from pilot initiatives to enterprise-wide implementation.
In parallel, working with Accenture, Eurobank is developing an enterprise-wide Digital Brain, embedding Artificial Intelligence at the core of both the customer experience and the Bank's operational processes.
Together, the two organisations are strengthening Eurobank's leadership in the digital transformation of banking by enhancing its digital channels, physical customer touchpoints and core technology infrastructure through:
- a world-class Digital Factory;
- a Digital Leader Incubator;
- an AI-powered Digital Brain that redesigns business operations; and
- a Generative AI-enhanced Software Development Lifecycle (SDLC) that accelerates technology delivery across the organisation.
The ecosystem is further strengthened by the Global Delivery Center in Pune, India, established in collaboration with LTM (formerly LTIMindtree) and Fairfax Digital Services. The centre serves as a hub for the development and delivery of innovative solutions supporting the Group's international operations.
The development of AI applications is governed by a comprehensive framework that ensures their secure, responsible and transparent deployment in full compliance with regulatory requirements and the Group's ethical principles.
Eurobank is also investing heavily in developing skills in Artificial Intelligence, including Machine Learning and Generative AI.
Between 2025 and 2026, more than 1,500 employees participated in specialised training programmes totalling over 17,000 hours.
The Bank also actively supports academia through the MSc in AI for Digital Transformation programme at the Athens University of Economics and Business (AUEB).
Together, these initiatives form part of a broader technology ecosystem that supports the continued evolution of the banking experience and lays the foundations for the next generation of digital services.
Technology Forward
The capabilities shaping today's banking experience are built on far more than modern applications and digital services. They are underpinned by a comprehensive technology ecosystem that enables Eurobank to innovate more rapidly, make better use of data and Artificial Intelligence, and respond effectively to the constantly evolving needs of both retail and business customers.
Recognising technology as a strategic driver of growth and customer value, Eurobank is implementing the largest technology investment programme in the Group's history, investing approximately €1 billion during the 2025–2028 period in modern infrastructure, cloud technologies, data, Artificial Intelligence and new digital capabilities.
At the centre of this ecosystem is the Digital & Technology Hub, located at the Eurobank Campus. More than 1,600 professionals, working across over 30 cross-functional teams, collaborate every day to design and develop new digital services.
During the past six months alone, these teams have delivered more than 100 new digital capabilities, transforming technology into practical solutions that create tangible value for customers.
The Five Pillars of Eurobank's Technology Ecosystem
Eurobank's technology architecture is built around five interconnected pillars that operate as a single integrated ecosystem.
Digital Layer
The Digital Layer represents the Bank's primary point of interaction with customers. It encompasses the Eurobank Mobile App, e-Banking, v-Banking, and the full range of the Bank's digital services.
Customer Experience Orchestration
This platform coordinates the entire customer experience, ensuring that every interaction and every customer journey is delivered consistently, seamlessly and in a highly personalised manner.
Data & AI Platform
The Data & AI Platform forms the foundation of the Bank's data and Artificial Intelligence capabilities. It transforms data into actionable insights, enabling Eurobank to provide smarter, more relevant and increasingly personalised services.
Core Banking
At the heart of Eurobank's technology ecosystem lies its Core Banking platform, which supports all core banking operations, including accounts, cards, payments, lending and financial products.
Its ongoing evolution is based on an open and flexible architecture designed to accelerate the development of new services, facilitate the integration of emerging technologies, and support the continuous enhancement of the banking experience.
The Core Banking platform provides the foundation upon which the Bank develops new digital capabilities, enabling faster product launches, greater operational flexibility and more effective use of data and Artificial Intelligence.
During periods of peak demand, Eurobank processes more than 4.5 million card transactions every day, ensuring uninterrupted service availability.
Supporting this transformation is Project OMEGA, an initiative to redesign the Bank's core banking architecture in order to increase agility and accelerate the development of new products and services.
Infrastructure & Cloud
Eurobank's infrastructure, networks, operational platforms and cloud environment provide the technological foundation supporting all of the Bank's digital capabilities.
Approximately 50% of Eurobank's applications and digital channels already operate in the cloud, delivering enhanced security, faster deployment of new services, increased flexibility and more effective utilisation of Artificial Intelligence.
A Technology Ecosystem in Continuous Evolution
Eurobank operates as a unified technology group, coordinating digital initiatives across all the markets in which it operates while combining the scale of an international banking organisation with the flexibility required to meet local market needs.
The migration to Temenos, the Group's new core banking platform in Luxembourg, has already been completed.
Meanwhile, the operational integration of Eurobank Cyprus and Hellenic Bank is progressing under the umbrella of Eurobank Ltd in Cyprus.
At the same time, the digital transformation of Postbank Bulgaria is accelerating through targeted investments in technology infrastructure and strategic partnerships.
Strategic initiatives such as Project OMEGA continue to modernise the Group's technology ecosystem, improving agility, accelerating product development and enabling the seamless integration of next-generation technologies.
Investing in People
Eurobank's people play a central role in the success of its digital transformation.
The Bank continues to invest systematically in developing new skills, attracting emerging talent and fostering a modern environment that promotes technological innovation.
In recent years, approximately 250 new professionals have joined Eurobank's technology ecosystem, strengthening the Digital & Technology Hub and supporting the acceleration of the Group's digital transformation.
The Digital Factory also plays a key role in driving innovation.
Comprising 13 agile teams and 146 specialist professionals, it has dramatically reduced the time required to design and deliver new digital products—from around 30 weeks to just eight weeks—allowing new services and capabilities to reach customers much more quickly.
Through continuous investment in its people, infrastructure and technology, Eurobank is creating the conditions for the ongoing evolution of the banking experience and the development of the next generation of digital services.
Banking Forward for Businesses
Eurobank is continuously redesigning the banking experience for its business customers by leveraging technology, data and digital capabilities that simplify processes, automate routine tasks and enhance the overall customer experience.
Today, approximately 30% of the value of all digital business transactions in Greece is processed through Eurobank's digital channels, reinforcing the Bank's leading position in digital banking for businesses.
Banking Integrated into Business Systems
Eurobank is investing systematically in integrating banking services directly with companies' information systems.
Through modern APIs and application interfaces, businesses can make payments, monitor liquidity and manage treasury operations in real time without leaving their own working environment.
This approach reduces complexity, saves valuable time and improves the efficiency of day-to-day business operations.
Security and Transaction Control
Security remains a top priority for every business.
Solutions such as Verification of Payee (VoP) allow businesses to verify beneficiary details before executing a payment, increasing transaction security and reducing operational risk.
Building on this regulatory requirement, Eurobank has also developed the VoP Tool, available through its e-Banking platform.
The tool enables businesses to verify supplier details in bulk, automating what was previously a time-consuming process and reducing verification time to just a few minutes.
As a result, businesses gain greater control over their daily financial operations while maintaining a high level of trust and reliability in their relationships with suppliers and partners.
Liquidity that Creates Value
Effective liquidity management is essential for business growth.
Through Eurobank's digital channels, companies have immediate access to products such as repurchase agreements (repos), term deposits, and multi-currency solutions, enabling them to deploy available funds quickly and efficiently.
The objective is to ensure that liquidity is not left idle but instead becomes a strategic tool that creates value and supports business development.
Managing Market Volatility
In today's constantly changing international economic environment, businesses require tools that enable them to manage the risks associated with their global operations.
Through foreign exchange and hedging solutions, Eurobank provides businesses of all sizes with capabilities that, until only a few years ago, were largely available only to major corporations.
Digital Academy: Investing in Knowledge
Digital transformation is not solely about technology—it is equally about knowledge.
For this reason, Eurobank established the Digital Academy, an educational initiative designed to help businesses better understand developments in digital banking, payments, emerging technologies and the evolving regulatory environment.
Today, more than 10,700 businesses are members of the Digital Academy community.
Through 77 webinars and thematic events organised by the Bank, more than 10,000 participations have been recorded.
The Future Is Embedded and Real-Time
Eurobank is investing in a banking model that is becoming increasingly digital, increasingly embedded and increasingly real-time.
Its objective is to integrate banking services seamlessly into businesses' everyday operations, eliminating unnecessary steps, reducing complexity and minimising delays.
In doing so, the banking experience is gradually evolving into an invisible yet constantly available infrastructure that supports the daily operations and long-term growth of businesses.
(Source: InBusinessNews)
