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Being the bank for Europe’s future means becoming a truly digital bank. Embedding digital and data across our bank is also crucial to implementing our new lean operating model.


We will invest €2.8 billion in digital and data over the next three years to transform our technology.


Our new operating model will move core competencies in house, delivering a new way of working centered around clients and common platforms. We will take back ownership of our core competencies and move key skillsets – product managers and developers – into our organization, under our control, supervision and risk frameworks.

We will reorganise into three global platforms: technology, data and business.


These will drive our overarching group technology development – and the countries will deliver the last mile products, tailored to their requirements.


In the long-term, we will have the skills and the technology to create a seamless digital offering that can exceed the expectations of our clients.


We will move from being digital to living digital.

Season 1





"Living digital" - Episode 2 - Conversations Unlocked Podcast

If you want to know more about why data should excite us and how we can use it to unlock our full potential, then tune into our Episode "Living digital" here with Marco Bressan, former Head of Group Data & Intelligence at UniCredit