Digital VAS platform for SME Qorus Banking Innovation Awards 2019

The purpose of PKO Bank Polski is to make business by the entrepreneurs easier and simpler. The bank is digitizing both its offer and the business environment in which its customers operate. PKO Bank Polski offers to its customers from the SME segment modern iPKO electronic banking with additional services improving their daily operations. By logging in to the iPKO transaction system, our customers have the possibility to among others: 1) make enter into the central register of entrepreneurs (CEIDG) based on one application and open a company account. In addition, the use of support of: 2) a company assistant enabling access to, among others: account transactions, costs and revenues of activity, as well as reminding, among others, about the need to submit a tax declaration; 3) e-accounting tool enabling, among others: convenient invoicing, enterprise financial management, quick access to payments, analysis of current sales and costs as well as forecasting expenses, and 4) e-debt collection enabling prevention of payment backlogs and effective recovery of amounts due from unpaid invoices. By using the iPKO transaction service, SME customers can also set up a 5) e-shop, integrated with all major online payment systems and many transport companies. 6) The e-Prawnik helps to find a lawyer who performs a commissioned legal service at a predetermined price (the customer receives legal assistance offers from lawyers with the best-suited specializations). On the other hand, 7) ZenCard allows entrepreneurs to organize promotional campaigns, rebates and discounts that are automatically calculated when paying by card or cash. In addition, the Bank offers entrepreneurs 8) POS eService terminals free of charge for 12 months for card acceptance and thus the possibility of acquiring new customers.