With investments of approximately €1 billion over the 2025–2028 period, extensive use of Artificial Intelligence, a major expansion of mobile banking, and a complete redesign of the customer service experience, Eurobank today unveiled “Banking Forward” — its new strategy for the next phase of digital transformation — at the Eurobank Campus Conference Centre in Nea Ionia. The presentation went beyond showcasing technological developments, highlighting the bank’s new operating model, where technology, data, and Artificial Intelligence combine to deliver a more personalized, streamlined, and effective experience for individuals and businesses alike.
The event was held in the presence of Chairman Georgios P. Zanias
The event was attended by Board Chairman Georgios P. Zanias and Deputy Chief Executive Officers Konstantinos Vassiliou, Iakovos Giannaklis, and Stavros Ioannou. Senior Eurobank executives and representatives of strategic partners presented the key pillars of the bank’s digital strategy.
A €1 billion technology investment
At the core of the strategy lies the largest technology investment programme in Eurobank’s history — approximately €1 billion for the 2025–2028 period — covering cloud technologies, modern infrastructure, data, cybersecurity, Artificial Intelligence, and new digital capabilities. The bank’s technology ecosystem is already supported by more than 1,600 professionals within its Digital & Technology Hub, over 30 cross-functional development teams, and more than 100 new digital features delivered in the last six months alone. In addition, approximately 50% of applications and digital channels are already operating on the cloud, enhancing flexibility, security, and the speed of new service delivery.
Mobile banking: the new everyday reality
The figures presented reflect a clear shift in customer behaviour toward digital channels. Today:
– 96% of transactions are carried out digitally,
– 61% are completed through the Eurobank Mobile App,
– among customers aged 35 and under, mobile banking usage reaches 94%,
– approximately 574 million logins are recorded annually across e-Banking and Mobile Banking,
– more than 1 million digital transactions are processed every day,
– seven in ten digital users rely exclusively on their mobile phone for banking.
Furthermore, in the first half of 2026, one in three banking products was acquired entirely digitally — a rise of more than 160% compared to the same period in 2025.
Artificial Intelligence at the heart of the strategy
Particular emphasis was placed on the use of Artificial Intelligence, and Generative AI in particular. Eurobank is developing a comprehensive application ecosystem featuring tools such as EVA, myEVA, GenAI Factory, and Digital Brain, which are deployed in customer service, mortgage loan assessment, document processing, data analysis, and employee support. More than 1,500 employees have already taken part in training programmes totalling over 17,000 hours in Machine Learning and Generative AI.
New customer journeys
Eurobank is fully redesigning its customer journeys so that an increasing number of banking services can be completed digitally. Among other initiatives, the bank is the only one in Greece to offer fully digital account opening through its app for residents of Greece and 28 other European countries, while continuously expanding the range of loans, investment products, and insurance services available without requiring a branch visit.
Expanded partnership with Mastercard
As part of the Banking Forward initiative, Eurobank also announced an expansion of its strategic partnership with Mastercard. The new agreement broadens the ecosystem of services and experiences available to Eurobank Mastercard cardholders through the Priceless platform, granting access to music events, sporting events, cinema, and international experiences.
What the executives said
Group Chief Digital Officer Kostis Paikos noted that consumers are looking for experiences that are instant, personalized, and fully integrated into their daily lives. “This is precisely the transition that Banking Forward represents for us — leveraging cutting-edge technology, data, and Artificial Intelligence to create services that better understand the customer and evolve alongside them.” Chief Retail Growth Officer Yannis Serafimidis stressed that a bank’s true value is measured not only by the products it offers, but by the role it plays in its customers’ everyday lives. “The future of banking lies in building a fully integrated ecosystem of services, benefits, and partnerships that evolves with customers’ needs.”
Group Chief Information Officer Anestis Petridis added: “We are implementing the largest technology investment programme in the Group’s history, investing in modern infrastructure, cloud, data, and Artificial Intelligence. Our goal is not technology for its own sake, but rather strengthening reliability, security, and the customer experience.” With Banking Forward, Eurobank is moving from the digitization of individual services toward building a fully integrated banking experience ecosystem — one where technology, Artificial Intelligence, and human service work in tandem to deliver more personalized, responsive, and secure services for individuals and businesses alike.
