FIDA and Open Finance: the end of the era of passive data
Open data is not a strategy. It is a starting point. FIDA gives everyone the same access, but not the same ability to turn information into value. In this article, we look at what determines why some organizations build real value with Open Finance, while others are left with costly infrastructure.
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Altkom Software BPMS Engine: A Safe, Long-Term Alternative to Camunda 8
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From Products to Relationships: Customer Experience Strategy as the Cornerstone of Business Strategy in Financial Institutions
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Why FiDA Is an Opportunity, Not a Cost: A Business Perspective
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Step-by-step SME Digital Lending: How Are Banks Achieving 24-hour Credit Decisions Without Replacing Systems?
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7 min reading
FIDA and Open Finance: the end of the era of passive data
Open data is not a strategy. It is a starting point. FIDA gives everyone the same access, but not the same ability to turn information into value. In this article, we look at what determines why some organizations build real value with Open Finance, while others are left with costly infrastructure.
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16 min reading
Regulation as a catalyst for change. What is really behind today’s regulatory pressure on banks?
Since January 2025, DORA has changed the rules of the game: banks are no longer assessed based on what is written in their policies, but on whether their digital resilience mechanisms work in practice. A similar logic is evident in requirements related to risk data quality (BCBS 239), the explainability of provisions calculations (IFRS 9), and the consistency of the capital and liquidity narrative under SREP, ICAAP, and ILAAP. Increasingly, regulatory pressure is focusing on the operational foundations of banks: data, processes, and system architecture. In this article, we examine the regulations that are currently driving the most significant changes in banks, as well as the shared challenges and solution directions that underpin them.
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19 min reading
Supervisory pressure in insurance: a threat or an opportunity to regain control over data and risk?
Growing supervisory pressure is leading many insurance undertakings into a recurring scenario: manual reconciliations, ad hoc adjustments, and heavy involvement of teams with every change in requirements. Areas such as operational resilience, financial reporting, and risk management repeatedly expose the same weaknesses: fragmented data, inconsistent processes, and the absence of a single, coherent view of the business.
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9 min reading
When SLAs don't deliver: the gap between IT stability and real customer protection in finance
Most financial institutions measure SLA levels and can demonstrate that their systems operate within agreed parameters. On paper, everything checks out: availability is high, response times stay within limits, reports are complete. And yet, one question keeps resurfacing, often without a clear answer: could the customer actually use the service at the moment they needed it?
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6 min reading
How medallion architecture in Microsoft Fabric changes the way organizations work with data
For financial institutions, data architecture is the foundation of process control, reporting, and business decision-making. As a result, a central platform that integrates data from core systems is a natural starting point. Unfortunately, on its own it does not solve issues related to data quality and consistency. Without a clearly defined data structure, even advanced analytics and AI-based solutions fail to deliver results that are sufficiently reliable from both a management and regulatory perspective.
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7 min reading
How user experience drives insurance sales. The role of UX in building processes
The insurance market in Poland is undergoing a profound digital transformation. Online channels that just a few years ago served mainly as a supplement to traditional sales are now increasingly becoming the primary point of contact between the customer and the brand. Data from the Polish Chamber of Insurance (PIU) shows that despite dynamic change, the market remains diversified: 49% of customers purchase insurance through traditional (offline) channels, 31% choose digital channels, and 20% use a hybrid service model.¹ The COVID-19 pandemic further accelerated this trend, permanently changing consumer purchasing behavior.
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12 min reading
Next best action in insurance: how to move from intuition to data-driven decisions
It is hard to find an industry that relies more on long-term customer relationships than insurance. And yet this is precisely where many critical decisions related to retention, sales, or customer service are still based on gut feeling rather than hard data. In an environment where every percentage point of churn translates into multimillion-dollar financial impact, acting “by intuition” becomes a risk companies can no longer afford. Next Best Action changes this equation: it makes it possible to move from intuition to predictable, measurable, and scalable decisions taken exactly at the moment when they deliver the highest value.
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9 min reading
Digital maturity model: when does a design system actually shorten time-to-market?
The growing importance of user experience and the pressure to introduce new products quickly are pushing organizations to find ways to increase predictability and efficiency in their delivery processes. While brand books and logo usage guidelines have been standard for years, companies rarely have a tool that directly stabilizes and accelerates the development of digital solutions. A mature design system can determine competitive advantage and an organization’s ability to scale products.
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12 min reading
First the customer, then the screen: the role of insights in building effective CX in financial services
“Our app needs to be more modern” – this sentence still too often opens conversations in financial institutions’ conference rooms, steering teams toward rushed decisions: refreshing the interface, adding new features, or launching yet another digital channel. Meanwhile, from the perspective of organizations focused on long-term growth and stability, there is a far more effective question that should open every discussion about change.
