E-Banking Portal as ecosystem Qorus Banking Innovation Awards 2023

Since 2019, Intesa Sanpaolo has started a Customer Relationship innovation program to provide all Business Customers a complete digital and multi-channel offer, positioning itself as leader in the Italian market. The project responds to the new needs of the companies, that expressed the wish to align the Bank's relational model to the "digital", "multi-channel" and "zero-paper" principles. The starting point was the e-Banking portal for Business Customers "Inbiz", a platform for daily transactional services, progressively evolved as access point to an ecosystem of financial and non-financial services. Inbiz's ''core'' transactional offering has been progressively enriched thanks to new working areas, to digitize and simplify the daily activities of Customers, by addressing business processes needs. The Bank started in 2021 the activation of partnerships, creating synergies with Third Parties, to offer value-added services filling the gap not yet satisfied through Bank's native services. Inbiz also plays a key role in commercial and relational development, thanks to the introduction by the beginning of 2021 of digital enablers and commercial tools to digitize the Bank-Customer relationship. The program has involved departments as Legal, Cyber Security, Marketing & Communication, Outsourcing Governance, as well as external providers. The decision to exploit synergies between in-house solution and value-added services from Third Parties has resulted in several significant advantages over competitors (technology, cost, UX and more). Inbiz’s evolution has also provided tangible results in terms of Bank’s digitization objectives and contribution to environmental sustainability, by reducing volumes of wasted paper and CO2 emissions.