Tatra banka Elevates Personal Banking to a New Level Thanks to Innovative Support via Mobile App

Tatra banka Elevates Personal Banking to a New Level Thanks to Innovative Support via Mobile App

Our ambition is to systematically develop and modernize our contact center solutions to continuously improve client experience and streamline the daily work of our employees. We have succeeded in creating a secure communication space where clients can discuss their finances with a banker without concern. It is also great to be able to communicate without having to coordinate a suitable meeting time with the client. This first milestone is the result of intensive work by the Tatra banka team and our partners Soitron and Unblu, to whom we extend our thanks. At the same time, it marks the beginning of another journey, and we look forward to continuing it. 

Eva Fedorová, Product Owner, Contact Center Systems Development Team 

Background

Tatra banka constantly introduces new ways to improve services for its clients. This time, it is taking personal banking to a higher level by streamlining interactions between clients and their personal bankers so that clients receive support instantly, whenever they need it.

The new ‘Remote Assistance’ service offers a modern way to communicate directly through the bank’s mobile app. In the initial phase, it is designed for clients with an assigned personal banker and provides them with a constant communication channel. Clients can leave messages, ask questions, or request advice at any time, with their personal banker responding as quickly as possible. In future phases, the service is planned to expand to broader client segments.

Project Implementation Process

As one of the main integrators and consulting partners of Tatra banka, we ensured the comprehensive implementation of the ‘Remote Assistance’ solution and connected Unblu technology with the bank’s existing infrastructure.

“We are pleased to support Tatra banka in launching the ‘Remote Assistance’ service, which delivers immediate value to both clients and the bank. This project confirms that expert collaboration and technical know-how can create measurable benefits and genuinely improve processes. We provided Tatra banka not only with our technical expertise but also consulting advice and support throughout the project, ensuring smooth integration of Unblu technology with the bank’s existing mobile app.”

– Radovan Ulej, Presales Consultant, Soitron

Our key role was to oversee integration, enabling routing of calls and communications from the mobile app directly to the contact center. Since we helped Tatra banka build its contact center on Cisco technology years ago, we had in-depth knowledge of the environment and could prepare an optimal solution.

It was crucial that all systems – the mobile app, Unblu, and Cisco – worked seamlessly together, providing accurate information on banker availability while ensuring client security and verification. The project required close collaboration between three parties: our Soitron team, Unblu specialists, and the Tatra banka mobile app developers. As a consulting and business partner, we provided continuous support and expert advice throughout the project.

Our role went beyond a typical IT vendor, addressing architecture, implementation details, and best practices to ensure the final solution was stable, secure, and user-friendly.

The project’s uniqueness lies in the fact that Tatra banka is the first bank in the region to integrate the ‘Remote Assistance’ service directly into its mobile app. The service uses Co-Apping technology from the Swiss company Unblu, an expert in Digital Client Interaction Solutions for the financial services sector.

With Co-Apping, the banker can guide customers from within the mobile app, while ensuring all sensitive information – such as passwords – remains private. This secure, high-touch collaboration maximizes efficiency, saving time for the banker and customer, which directly impacts satisfaction.

“We’re especially proud of this project with Tatra banka. Their relentless focus on building ‘a superior customer experience’ has been evident at every stage of the process. I believe this represents a new benchmark in banking innovation in both the country and extended region. On behalf of Unblu, I’m also grateful to the outstanding team at Soitron – their deep expertise of Tatra’s ecosystem and strong collaboration made it possible to integrate Unblu’s Co-Apping technology into a solution that’s both elegant and impactful. The results speak for themselves – efficiency gains, higher satisfaction, and above all, a better connection between bankers and customers.”

– Jens Rabe, Co-CEO, Unblu

Results and Benefits

modern communication directly through the mobile app

continuous communication channel between client and personal banker

faster response to client requests

optimization of contact center employee workflows

secure, encrypted communication

flexible service delivery

160 bankers with access to Co-Apping

40 % improvement in efficiency (from pilot)

94 Net Promoter Score (customer satisfaction) score from clients from 172 answers (baseline was 82)

84.6 System Usability Score from bankers

Customer Profile

Tatra banka is the first private bank in Slovakia and a member of the Raiffeisen Bank International Group. It has long been a leader in the Slovak banking market, particularly in corporate and private banking and asset management. The bank is known for its focus on innovation, delivering modern and simple solutions to clients – from instant payments and biometric technologies to next-generation mobile applications. Its operations are guided by its mission – to turn innovation into an exceptional experience.

Technologies used

Unblu SPARK, Cisco Unified Contact Center Enterprise, Soitron Unblu-Proxy

We helped unify the contact centres of ZSEE and VSE

We helped unify the contact centres of ZSEE and VSE

Properly configured and functioning background technology is an invisible yet crucial prerequisite for delivering value-added services to our customers. That’s why the provider of such technology becomes a key partner in achieving the business goals of organisations such as contact centres. In addition to the correct distribution of contacts, what’s important for management is to have online data and a partner who is flexible and willing to share their experience across organisations. 

Radoslava Krajčová, Manager of the VSE Call Centre 

Background

The goal of the project implemented for the Slovak distribution system operators ZSE Energia (ZSEE) and Východoslovenská energetika (VSE) was to consolidate their contact centre environments. Before the project, ZSEE used the services of an external contact centre provider, while VSE used the technologically advanced Cisco Packaged Contact Centre platform. Following a presentation of the platform’s capabilities and features, both companies agreed to expand the existing Cisco contact centre to include ZSEE.

Project implementation process

The project included an assessment of the current state, designing a solution based on discussions with the client, backend logic customisation, creation of API calls, and infrastructure preparation. In addition to that, the scope of the project included routing of inbound and outbound calls with callback options, call and screen recording, a new Finesse agent desktop for operators, and the deployment of the voicebot Emma, delivered by a subcontractor.

The migration of the contact centres resulted in the full integration and unified use of Cisco’s technology. VSE expanded its services at its Košice contact centre and is now also providing customer support for ZSEE lines. The project was implemented in two phases: first, a live launch of the contact centre with support from the external provider, followed by a full transition to customer support provided by agents from ZSEE and VSE.

Results and benefits

a single central system for managing customer support

improved work efficiency for approximately 120 agents across two locations

real-time reporting of operational data

daily data evaluation

Customer Profile

ZSE Energia, a.s. is a subsidiary of Západoslovenská energetika, a.s. (ZSE) the core business of which is the sale of electricity and gas and provision of related services. While it primarily operates in western Slovakia, it also serves customers beyond this region. Its goal is long-term customer satisfaction through reliable energy supply and high-quality customer service.

Východoslovenská energetika, a.s. is part of the Západoslovenská energetika (ZSE) group. It provides comprehensive electricity and gas supply services in eastern Slovakia. VSE is committed to delivering reliable, high-quality, and customer-focused services. Through its activities, the company supports energy security and customer satisfaction.

Technologies used

Cisco Packaged Contact Centre, Voicebot by Born Digital, ReDat by Retia

Digitalisation of financial services in ESSOX with Virtual Assistant Emma

Digitalisation of financial services in ESSOX with Virtual Assistant Emma

Emma is a great example of how the digitalisation of financial services can foster responsible lending and enhance customer service. It is another way to friendly remind clients of missed payments, helping them avoid issues related to payment delays.  

Jana Hanušová ESSOX, Managing Director 

Background

ESSOX wanted to design and implement a voicebot – the virtual assistant Emma – to be an integral part of their contact centre. Emma was deployed using advanced artificial intelligence in line with the company’s strategy to digitalize financial services. The goal was for Emma to engage in natural voice dialogues with customers and assist contact centre operators by handling simpler tasks, allowing them to focus on more complex customer requests.

Project implementation process

The deployment of the voicebot in the contact centre resulted in increased client satisfaction due to timely payment reminders. Virtual assistant Emma has been successfully handling over 95% of calls correctly, achieving a performance level similar to that of human operators.

The operators’ satisfaction also improved as they were relieved from repetitive tasks, enabling them to focus on resolving more complex issues. In its initial use case, Soft Collections, Emma processed the same volume of calls as three operators, managing over 6,000 calls per month.

Results and benefits

Increased client satisfaction

Emma handles more than 6,000 calls per month

Correctly resolves more than 95 % of calls

Allows operators to focus on more complex cases

Customer Profile

ESSOX s.r.o. was established in 1993 as a provider of consumer financing and leasing services. In 2003, it became part of the financial group of Komerčníbanka and Société Générale. Today, the company is one of the leading providers of non-bank financial services and its portfolio also includes products in the area of branded car financing.

Technologies used

  • Voicebot Soitron BOT with advanced NLP (Natural Language Processing)
  • STT (Speech to Text) technology by Phonexia
  • TTS (Text to Speech) technology by Phonexia/Acapela

Veolia Energie has implemented an uninterrupted communication system

Veolia Energie has implemented an uninterrupted communication system with minimal costs.

The Veolia Energie Group is one of the most important producers and suppliers of heat, chill, electricity, and other energy commodities in the Czech Republic. It provides energy services to cities, municipalities, and their inhabitants, medical and school facilities, industrial enterprises, and public institutions. This is why they must make sure that their system can operate in all circumstances. To achieve this goal, they needed an uninterrupted communication system.
Case study was published 28.12.2021

REQUIREMENTS

  • Modernize a telecommunication network while protecting prior investments as much as possible
  • Centralize multiple separate exchanges to a single site and ensure unified administration
  • Uninterrupted operation 24/7 and with high system availability
  • Redundant site connectivity
  • The ability to record calls in compliance with effective legislation

SOLUTION

  • Interconnect hybrid communication networks to ensure unified analogue, digital, and IP communication with unified central management and mobile phone integration
  • A geographically redundant multi-tier infrastructure operation
  • Modern SIP communication supplemented by backup ISDN lines
  • The ability to record mobile phones

Results & benefits

Six exchanges in fourteen sites transferred to a single central location

Central management and confirmation from a single place

A backed-up and redundant communication system with uninterrupted operation capability

Significant cost savings due to the backward compatibility of Avaya technologies

The new Video Banker service

The new Video Banker service

Customers are becoming more and more demanding. What they expect from modern technologies around us is simplicity and the human touch. The new Video Banker service allows Banka Creditas to create richer interactions with their customers and ultimately create new business opportunities. Today most of us are familiar with video conferencing technology. However, in the professional environment, it’s not just about audio and video transmission. Guaranteed security and a premium user experience are also extremely important.
Case study was published 15.12.2021

The Video Banker improved customer interaction

REQUIREMENTS

  • find suitable slick and secure end-point devices
  • get closer to customers and provide them with a new customer experience using video calls so that they can remotely connect with a banking specialist

SOLUTION

  • equip 42 affiliated branches with Cisco DX 80 professional video conferencing devices ensuring high-quality secure video and audio transmission, thus perfectly simulating face-to-face meetings

RESULTS AND BENEFITS

Improved customer interaction and HD video transmissions

Effective communication between company management and affiliated branches, and between the affiliated branches themselves

The creation of new business opportunities

The ability to share presentations, preview contracts, and documents

Live Chat Unblu in Raiffeisenbank

A NEW COMMUNICATION CHANNEL IN RAIFFEISENBANK

For five consecutive years, we have received the Bank of the Year award for being the most client-friendly bank in the market. No other bank has ever achieved this. We take responsibility for always providing our customers with the best possible service. Raiffeisenbank always strives to offer excellent online services and is constantly implementing new products for its customers.
Case study was published 08.04.2021

REQUIREMENTS

  • A new chat communication channel for both the web and mobile applications which is compliant with strict banking security standards
  • Providing assistance to clients whenever they need it
  • Integrating with existing systems as requested

SOLUTION

  • Unblu Live Chat is now available to customers on the Raiffeisenbank website as well as in its mobile banking applications.
  • In addition to chat functionality, the Unblu Live Chat solution includes collaborative browsing, which is real-time secure content sharing between the client and the operator.

RESULTS AND BENEFITS

The system provides a holistic view of incoming client requests.

Quick advice is provided at the moment the customer needs help.

It replaces most email communication.

It is a new communication channel preferred by clients.

How to become a progressive kindergarten with Office 365

How to become a progressive kindergarten with Office 365

We have deployed Office 365 in several schools and kindergartens as a part of our education campaign.  One of them is MŠ Bieblova in Brno. We have helped the kindegarten with solving e.g. GDPR issues using Office 365. This solution has a lot of benefits but many people don´t know how to use it the full. Let us introduce you how the kindergarten could make the most of Office 365 and become the first digital one in CEE.
Case study was published 12.12.2018

Office 365 in kindergarten

Slovak Telekom is able to “listen to” all calls from their contact centre

SLOVAK TELEKOM IS ABLE TO “LISTEN TO” ALL CALLS FROM THEIR CONTACT CENTRE

requirements

  • Replace the manual and often inaccurate process of entering the call subject by agents with an automatic and more accurate solution.
  • Get a better understanding of the content and trends of all calls in the contact centre.
  • Streamline assessment of contact centre agents.
  • Capitalize on useful information acquired by the contact centre to improve business processes and enhance customer service.

solution

  • Deployment of the Speech Analytics system by Verint able to identify key words and phrases in all contact centre telephone calls and based on that categorize the calls and analyse any communication trends.
  • Consulting services to identify keywords and possible benefits of the solution to
    various business units of Slovak Telekom.
  • Language model optimization for the needs of the largest Slovak Telecom
    operator.

results

Detailed statistics of individual call categorization.

An tool for contact centre agent assessment.

More efficient use of the contact centre resources, relieving operators from manual labour.

Possible immediate identification and analysis of various events and issues, such as technical failures, or customers’ lack of response to a new offer.

Better insights into customers, their moods and emotions based on the occurrence of certain words or phrases.

The contact centre has become an efficient source of insights for service improvement and process streamlining.

Our unique telemedicine solution

18.08.2016

Our unique telemedicine solution

soitron_group_cs

Lekári z oddelenia jednotky intenzívnej starostlivosti o novorodencov sa museli opakovane vysporiadať s viacerými krízovými situáciami. Vznikla tak potreba implementácie komunikačného riešenia s garantovanou kvalitou prenosu, ktoré by umožňovalo rýchlu konzultáciu so špecialistami, ktorí v danom čase nie sú v nemocnici prítomní. Zároveň, vďaka tomuto riešeniu majú lekári zabezpečený neustály video dohľad nad pacientom.

Požiadavky klienta

  • Vyvinúť telemedicínske riešenie, ktoré by zahŕňalo moderný audio-video komunikačný systém
  • Zabezpečiť nevyhnutnú podporu personálu nemocnice v snahe zvýšiť kvalitu jeho výkonu

Naše riešenie

  • Unikátne telemedicínske riešenie postavené na hlasovej a dátovej infraštruktúre
  • Mobilné vybavenie poskytnuté spoločnosťou Vodafone a vybudované na riešení Cisco telepresence
  • Technológia a vybavenie zabezpečujúce video dohľad nad pacientom

Výsledok

Zvýšená efektivita a výkonnosť personálu nemocnice

Zjednodušenie rutinných procesov

Dodávka modernej komunikačnej technológie

Prevencia incidentov

Implementation of video conferencing solution in Forbes Slovakia

IMPLEMENTATION OF VIDEO CONFERENCING SOLUTION IN FORBES SLOVAKIA

The Forbes story in Slovakia started to be written in 2010. The owners have a license for 4 countries, which is actually the highest number of countries assigned to a single company in the world. They had and still have a company with offices in Bratislava, Prague, Vienna and Budapest. Imagine that you are in the shoes of owners and that you would have to travel and visit all these destinations every week. So, they had a natural need to look for another solution to save their money and time.
Case study was published 15.08.2016

Video solutions for Forbes

Three in one, new Medirex Group intranet

THREE IN ONE, NEW MEDIREX GROUP INTRANET

MEDIREX GROUP providing comprehensive laboratory diagnostics for healthcare facilities across Slovakia. Medirex provides services to hundreds of clinics,  hospitals and general and specialized outpatient departments. It operates the technologically most advanced and largest central laboratory in Slovakia and in Central Europe. Daily it tests samples from 7-10 thousand patients. It provides healthcare services through Malacky Hospital and SENIOR Geriatric Centre. MEDIREX GROUP ACADEMY is involved in health care science and research and education support.
Case study was published 15.08.2016

Requirements

  • to modernize an outdated intranet to make it more userfriendly and allow authorized staff to publish information without a need for assistance from the IT department
  • to make the document management clearer and more effective
  • to improve meeting management allowing for easy searching of basic information about each meeting, but also keeping track of the agreed tasks and projects assigned to individuals or teams
  • to create an effective tool to support internal communication within the company allowing MEDIREX GROUP companies to build their corporate culture and share information from their lives

Solution

  • to create a portal based on Microsoft SharePoint platform supporting enterprise
    communication, collaboration and document sharing
  • to make use of the built-in features of SharePoint
  • to develop special tools and to adapt the system to meet customer’s specific needs

Result

A vibrant portal kept up-to-date with the latest corporate news, event calendar and media monitoring

Clearer document management - it is always clear whether or not the document is valid, who and when modified it, who approved it, or what previous versions looked like

Streamlined and targeted content publishing to individual divisions or departments allowing searching for information and people, for instance based on their first name, last name, email address or extension number

An electronic invoice circulation and approval system

Improved meeting planning and creation of a tool allowing managers to see who is working on what task or project and what is their planned completion date

An effective reporting system with a reach to the lower management levels

PAVOL PLEVA

Applications Business Unit Manager Soitronu

“We’ve demonstrated that not only we were able to fully utilize the builtin features of SharePoint, but also customize and fine-tune the system to meet customer’s specific requirements.