Marta Rutkowska

Content Specialist

With over 10 years of experience in content creation, she has worked both in-house and on the agency side. In recent years, she has focused on financial technologies, turning complex technical concepts into clear, engaging, business-focused content.

Written by: Marta Rutkowska

05/02/2026 |
16 min reading

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.

Marta Rutkowska
30/01/2026 |
19 min reading

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.

Łukasz Rauer
17/12/2025 |
12 min reading

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.

Łukasz Rauer
25/09/2025 |
7 min reading

For many financial institutions, the upcoming FiDA regulation is synonymous with yet another compliance burden. This is a dangerously short-sighted view, increasingly highlighted by analysts and advisory firms. EY stresses that an approach limited to regulatory compliance “may carry a real risk of customer attrition1.” By contrast, institutions that treat FiDA as an opportunity can not only strengthen customer relationships but also open new business models and build sustainable competitive advantage.

Adam Żurański
15/09/2025 |
6 min reading

Digitising SME lending is back on the strategic agenda for many banks – and for good reason. Businesses now expect a simple, fully online process and decisions within 24 hours. The pressure isn’t just coming from other banks, but also from agile fintechs. So what’s holding large institutions back? In this article, we share practical insights from working with banks and outline how to scale SME lending step by step, using a proven solution: the Digital Banking Platform (DBP).

Karolina Marcinkowska
11/09/2025 |
7 min reading

With Camunda 7 Community Edition approaching end-of-life, organizations face a critical decision: migrate to Camunda 8, purchase an Enterprise license, or choose a safer alternative. Altkom Software BPMS offers a practical alternative for teams that want to maintain their existing architecture while avoiding costly changes. Altkom Software’s proprietary BPMS engine provides technical support, security patches, flexibility, and full compatibility with systems previously running on Camunda 7 CE – with no disruptions and under full control.

Marta Rutkowska
11/04/2025 |
9 min reading

Will artificial intelligence fuel technological progress in the insurance sector or prove nothing more than a passing fad? It is hard to say what the future might bring, but one thing is certain: AI-based solutions are growing in popularity and importance. Data show that 75% of all insurance companies already focus on IT growth, investing mainly in projects tapping the power of artificial intelligence and machine learning.

Łukasz Rauer
28/02/2025 |
6 min reading

Sustainability and ESG reporting are key elements of modern business and current regulations, such as the CSRD directive, are introducing new requirements for companies in the European Union. How to effectively implement an ESG strategy and use IT tools for reporting in compliance with international standards? Learn about the benefits of ESG and how Microsoft Sustainability Manager and Sustainability Data Solutions in Fabric can support process automation.

Marta Rutkowska
18/02/2025 |
12 min reading

Research indicates that as many as a third (31%) of insurance company customers are not fully satisfied with their claims handling experience. Among these dissatisfied customers, six out of ten (60%) pointed to issues with the speed of claims processing and 45% highlighted difficulties with the claims closure process. For insurance companies, such a perspective means that the claims settlement process – which is one of the most costly and critical areas of insurers’ operations – still holds great potential to improve both financial performance and customer experience quality.

Łukasz Rauer

Customer Experience

UX audit for banking aps

Warehouse

Data, Cloud & AI

Software Engineering

Performance Engineering

Security

Altkom Insurance Suite

Altkom Digital Leasing Platform

Offer for banks

Altkom Loan Origination

Altkom Digital Banking Platform

AI & Data for banks

Mobile banking

UX audit for banking aps

Offer for insurance

Altkom Insurance Suite

Leasing

Marta Rutkowska

Content Specialist

Written by: Marta Rutkowska

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