AltkomSoftware, AI

22/10/2025 |

8 min reading

In financial institutions, competitive advantage comes not only from technology but, above all, from the people who know how to use it wisely. According to a study by Eagle Hill Consulting, as many as 62% of financial sector employees believe their own experience (EX) directly impacts the quality of customer service¹. It’s a clear signal that Customer Experience begins inside the organization. Solutions like Microsoft Fabric with Copilot bridge both worlds: they simplify team workflows, accelerate decision-making, and unlock the potential of the people who shape customer experiences every day.

Adam Żurański

16/10/2025 |

13 min reading

Artificial intelligence is steadily redefining the customer service model in banking. According to Gartner’s forecasts, by 2026 conversational AI will enable financial institutions to reduce contact center operating costs by up to $80 billion¹. Meanwhile, 2025 marks a turning point for the large-scale adoption of generative AI as a key tool for enhancing the quality, efficiency, and personalization of customer interactions². Let’s take a closer look at how banks are leveraging this potential—and why conversational interfaces are becoming a strategic pillar of modern banking.

Kornelia Marczewska

Visualisation of the customer at the centre of hyper-personalisation in banking – data analysis and a personal approach.

13/06/2025 |

11 min reading

The customer doesn’t wait for the bank to ask questions. They expect the answer to already be there. In an era where decisions are made in split seconds, and loyalty hinges on a single click, personalisation has ceased to be an add-on. It has become a prerequisite for survival and growth – in relationships with both individual and business clients. Mass banking is losing its relevance. Customers expect their bank to know them, understand them and anticipate their needs before they’re even expressed. That is why hyper-personalisation is now the new standard and the key to loyalty, effective sales and long-term competitive advantage.

Karolina Marcinkowska

Symboliczna grafika przedstawiająca automatyzację i zabezpieczenie procesów zajęć egzekucyjnych w bankowości.

30/04/2025 |

7 min reading

In 2023, European debt collection firms handled receivables worth approximately €19.6 billion, with key markets such as Germany and the UK leading the sector.1 In Germany, debt collection agencies are estimated to manage over €50 billion in outstanding receivables, emphasising the scale of debt-related operational challenges in large European economies.2 The scale of the debt management challenge in the financial sector is growing rapidly, and with it, the pressure on banks to improve operational efficiency, regulatory compliance and data protection. In this context, automating enforcement order processes becomes not only a cost-optimisation tool, but also a critical component of risk mitigation and organisational resilience strategies.

Karolina Marcinkowska

AI in insurance – an image of a man in a suit with a television for a head, holding an umbrella.

11/04/2025 |

9 min reading

Will artificial intelligence fuel technological progress in the insurance sector or prove nothing more than a passing fad? It is hard to say what the future might bring, but one thing is certain: AI-based solutions are growing in popularity and importance. Data show that 75% of all insurance companies already focus on IT growth, investing mainly in projects tapping the power of artificial intelligence and machine learning.

Marta Rutkowska

Graphic with charts, data, and currency icons – symbolizing the impact of technology on the financial and lending market in Poland.

25/02/2025 |

9 min reading

Between 350,000 and 500,000 mortgage applications are submitted annually in Poland, which poses a huge challenge for banks – how to efficiently serve such a large number of customers while minimising operational costs and enhancing user experience. The modern customer expects a fast, intuitive and fully digital process, while many financial institutions are still struggling with outdated systems and complex procedures. In addition, competitive pressure and the development of technologies such as workflow engine, low-code, AI or Open Banking are making the digitisation of mortgage processes a necessity rather than an option.

Karolina Marcinkowska

Robot processing documents – representing the automation of the complaints process in insurance companies using artificial intelligence.

11/02/2025 |

7 min reading

Insurance companies face a challenge – although the number of insurance complaints on the Polish market has not shown a clear upward trend in recent years, demanding regulations and technological advances indicate that traditional management methods are becoming insufficient. Customers expect quick responses, while non-compliance with regulations can lead to serious consequences. Is there a way to improve the quality of service and meet legal requirements at the same time? Artificial intelligence (AI) offers break through solutions – by automating complaints processes, it helps insurers operate more efficiently, build customer trust and gain a competitive advantage.

Marta Rutkowska

Illustration showing a blue delivery truck surrounded by envelopes and digital document icons – representing automation of email, offer, and document handling in logistics and freight forwarding.

15/11/2024 |

5 min reading

Day by day, approximately 6.5 million trucks move across European roads, transporting nearly 80% of all land freight within the European Union. Managing such a vast fleet generates equally vast amounts of correspondence and documentation, including requests for quotes, offers, transport documents, invoices, official letters and fines. As operations scale up, document management becomes an ever-greater challenge, particularly for emails landing in corporate inboxes. In large companies, the volume of emails can exceed 1,000 per day! Manual handling of correspondence consumes a tremendous amount of time and increases the risk of errors, which can lead to delays and financial losses.

Karol Kłopotowski

Heart-shaped health symbol under an umbrella next to a document – a metaphor for patient protection and digital transformation in the health insurance sector.

05/11/2024 |

9 min reading

Digital transformation in the health insurance sector is ushering in a new reality, where even the costliest processes can begin to generate revenue. McKinsey estimates that optimising administrative costs through automation can lead to savings of 15-40% for insurers. In this article, we examine how insurers can start profiting from the appointment scheduling process by investing in technologies that streamline patient service, enhance customer satisfaction and reduce costs, while simultaneously improving the quality and accessibility of healthcare.

Marta Rutkowska

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Microsoft Fabric: Analytics for Everyone. Say Goodbye to SQL, Say Hello to Copilot

Conversational Interfaces in Finance: How Chatbots and Voice Assistants Are Transforming the Banking Customer Experience

Hyper-personalisation in Banking. A New Standard for Customer Relations

Enforcement Order Automation in Banks: An Investment That Pays Off in Three Years

AI in insurance. A catalyst for technological progress or a passing fad?

The digital revolution in mortgages: how technology is changing the Polish loan market?

What role will AI play in the automation of the complaints process in insurance companies?

Automation of forwarding operations: utilising AI and OCR in handling emails, quotes and documentation

Health insurance: how to start monetising the appointment process thanks to digital transformation?

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