As the push into AI continues, many banks are still struggling to modernize their digital foundations without simply recreating their existing platforms. For institutions operating across multiple markets, that challenge becomes even more complex, as firms need to balance local autonomy with the need for standardization, speed, and scalability.
In a recent conversation with Vanja Tokic of Raiffeisen Bank International, Tokic explained that the real work of transformation is happening in how banks rethink processes, align teams, and prepare their data and systems for what comes next. He also talked about what it takes to actually get started.
“There is still a lot of overhype on the GenAI topic. Banks and people in general are underestimating what it takes to put those things into real processes, into real production… It looks really simple when you start prompting, but when you actually have to do it in a regulated environment, then it’s really difficult to get it done.”
Tokic serves as Head of Digital Channels and Conversational AI and previously led retail digital transformation strategy at Raiffeisen Bank International. With more than two decades of experience in digital banking, he focuses on translating high-level strategy into execution by aligning teams across markets, driving adoption of reusable platforms, and building what he describes as a “digital bank with a human touch.”
Raiffeisen Bank International is an Austria-based banking group that operates across Central and Eastern Europe, serving millions of customers through a network of subsidiary banks. The organization functions as both a central institution for the Raiffeisen Banking Group and a holding company for its international operations, offering retail and corporate banking services across the region.
Photo by Ron Lach
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