ČSOB
We can be a good partner to them because we can predict the next steps they should take
Branislav Straka COO and Innovation Leader ČSOB
“ Not everyone expects that banks can sell tickets for public transportation, for trains or for parking. But we knew, and we believed that this is something that we can call the‘ super app’ or Beyond Banking,” Branislav explains.
By identifying which services customers use most frequently, he has created a model within ČSOB that allows the organisation to operate as a digital environment. The consumer demand here is measurable. Branislav shares that more than 30 % of customers“ are using at least one service per month”. The introduction of public transportation was the first Beyond Banking service, and now, ČSOB has sold an excess of 1.8 million train tickets – which is growing every month.
Additionally, the bank leverages its role as a trusted intermediary to simplify processes through a banking identity model.
Branislav explains that by providing a“ fully authenticated customer” to third-party services, ČSOB allows users to“ onboard themselves” with a click of a button. This integration is further strengthened by the implementation of account-to-account payments( A2A) and instant payment services. Branislav also discusses the launch of ČSOB’ s‘ Moja garáž’ service, highlighting that the role of a bank is evolving into a platform that proactively manages the“ everyday needs” of vehicle ownership, from tracking technical inspections to predicting maintenance.
6 csob. cz