Future Lab - Innovative bank branch Qorus-Infosys Finacle Banking Innovation Awards 2026

Submitted by

Ceska Sporitelna

Premium
29/01/2026 Banking Innovation
Future Lab is the first 24/7 branch in the region blending AI-powered avatars with human empathy. Acting as a live testing ground, it redefines physical banking through complex advisory, interactive financial zones, and a communityapproach.
Innovation details
Country
Czech Republic
Category
Customer Experience Innovation
Keyword
Loans, Operational excellence & efficiency, AI & Generative AI, Financial advice & Robo-advisory, Digital channels & Omnichannels, Branch & Physical distribution, Beyond financial services & ecosystems, Marketing & sales, Mortgage, Learning

Innovation presentation

Concept & Purpose: Launched in Nov 2025, Future Lab acts as a sandbox for Česká spořitelna to test new concepts before wider rollout. It goes beyond banking, treating the client holistically. - Holistic Health (Financial & Physical): We believe prevention is key in both finance and health. - Financial Health: Interactive zones engage clients in 5-minute "teasers" on investments, housing, or budget to provoke interest and offering a possibility to plan a meeting with their banker or to use Online banker room (23/7) to discuss the topic further with the banker - Physical Health: An "AI Doctor" measures vital signs for prevention, reinforcing our care for the "whole human." Hybrid Service & Expertise - Ground Floor: Visitors are greeted by AI Avatars (Adam/Eva) and multi-skilled "Lab Experts"—who act as innovators, bankers, and event managers. - Online Banker Room: A dedicated soundproof space offering 24/7 video connection to personal bankers and remote specialists (mortgage, investment, insurance), solving needs immediately without waiting. - 1st Floor Elite Banking: Clients meet elite personal bankers complex deals. Meeting rooms feature A/V links to remote specialists, ensuring clients never have to visit twice for different experts. - Community & Tech: An 18-meter immersive screen elevates the experience and supports our 2x weekly events (featuring internal speakers or external ones (e.g. influencers)). With its own Instagram channel and Merch, the Lab is building a true community hub.

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