Innovation management
Innovation is a central component of VP Bank's corporate culture and firmly anchored in the company's value “we explore.” Employees are encouraged to adopt new perspectives, try new things, and learn from their mistakes. This openness to innovation extends across all levels — from the Board of Directors to young professionals.
In a dynamic environment, innovative strength is crucial for identifying opportunities at an early stage, driving technological developments, and designing sustainable financial solutions. VP Bank focuses on short time-to-market and efficient methods for generating and implementing ideas. Relevant trends are continuously monitored and analyzed at the project level. With the help of minimum viable products (MVPs), projects can be evaluated at an early stage and developed in a focused manner. An interdisciplinary committee prioritizes these initiatives and makes decisions on behalf of the Group Executive Management.
VP Bank combines innovative working methods, modern technologies, and agile management to meet market requirements. The focus is on client benefits, sustainability, and fast, effective implementation.
Innovation Day – a platform for new ideas
A key element of the innovation culture is the annual Innovation Day. It offers the Board of Directors, Executive Management, and external experts the opportunity to exchange views on current trends and discuss new ideas. The insights gained are directly incorporated into the work of the relevant project groups and strengthen the link between strategic orientation and operational implementation.
Business intelligence and data-driven insights
In 2025, VP Bank has further expanded its data-based capabilities. A newly created business intelligence team and an agile technical platform enable the structured collection, organization, and analysis of key internal data. These developments form the basis for sound strategic decisions.
Improved client segmentation tools support more precise client book planning and more personalized client service. In addition, an optimized basis for analyzing the client experience creates the conditions for continuous improvement in service quality. In the future, VP Bank will use these capabilities to actively promote innovation, identify client needs at an early stage, and develop solutions.
Establishing a sustainable IT infrastructure
VP Bank is continuously developing its DevOps capabilities by evaluating new technologies and promoting relevant use cases. The goal is to achieve modern, agile, and reliable IT that delivers software quickly and supports customers and employees with technological and architectural expertise.
Specific implementations in the year 2025 include:
- the integration of the VP Bank Investment Recommender into the e-banking portal,
- the automation of foreign exchange orders,
- the digital self-update and
- Improvements in digital onboarding.
These initiatives strengthen both efficiency and client experience.
Use of AI technologies
With the establishment of the AI Solutions team, VP Bank has created a company-wide point of contact for artificial intelligence, which is focused on increasing the efficiency of internal processes. The first AI solutions were put into productive use in 2025, including:
- Policy pilot – an internal policy chat service
- Legal chatbot – for support with legal questions
Both tools make employees' daily work easier and speed up internal processes. Other applications are in advanced stages of development, such as AI-supported KYC processes and automated document processing.
Comprehensive training programs for all skill levels have been introduced to strengthen AI competencies in the long term. In this way, VP Bank ensures that technological innovations are used effectively and responsibly.