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Research & Development

Research & Development: science and technology for the banking of the future


Innovation means being ready for evolution and for all the upcoming challenges.

Starting from this, in 2012 UniCredit set up a team dedicated to Research & Development activities, matching engineering, program-developing, projecting, prototyping and testing skills. Under the supervision of Riccardo Prodam - an international figure in this field - the multi-skilled team has developed quickly, and since 2014 has expanded its horizons, becoming an effective department: Group Research & Development within Group Chief Information and Security Office perimeter.

In addition to its core activities as an experimental laboratory, Group R&D is exploring new projects in the field of digitalization and  processes reengineering.

The Department is unique in UniCredit for developing innovative solutions - with a view to patenting - which are not traditionally associated with the banking industry, but totally aligned with the bank of the future, given that the matching between technology and business is one of the fundamental key-driver towards the banking of the future.


UniCredit Group R&D follows a unique research-method: finding ideas, searching without limits, thinking of new uses, hacking, re-programming, offering a solution, and matching it with the business problems.  In addition,  it  evolves, expands and develops the idea as the need increases.

The modus operandi is a fast, cost attentive and expert-led production. Wherever possible the latest innovations in electronics and cutting-edge materials are used.

Group R&D activity is based on a continuous commitment to exploring and reingeneering, in order to create number-one solutions in terms of services and products, both for functionalities and delivery within the banking scenario.  The projects on the table and under review are many, with different stages of development involving different areas of the bank to support the realization of the industrial plan Transform 2019