At UniCredit, we are accelerating our Digital transformation to strengthen our technology capabilities and drive innovation.
Over the past few years, we have made significant strides in modernising our Digital operations, centralising our technology functions and optimising our vendor relationships. By enhancing our tech stack and automating processes, we have improved service quality, reduced security incidents, and laid a strong foundation for the future.
» Taking control of our technology and talent
Our Digital strategy is focused on taking our technology and talent in house to deliver agile and client-centric solutions and platforms. To this end, we are building an operating model based on end-to-end ownership of our core technology, products and processes, empowering the Digital team to run our own technology in house, based on in-house intellectual capital.

» Driving progressive transformation
Based on this foundation, we will accelerate our evolution into a top-tier digital and data-driven bank, with a focus on four key areas:
Modernising our infrastructure: We are modernising our infrastructure to make it more resilient and suited to our evolving needs, with a standardised architecture for managing Group-wide applications and data.
Enhancing Our Application Landscape:
We are upgrading our application landscape with a cloud-first approach to accelerate development, foster synergies, and enhance infrastructure innovation.
Streamlining Our Ways of Working:
We are streamlining our organisation and investing in our people to improve efficiency, foster growth and drive innovation.
Harnessing Data & AI for Competitive Advantage:
We are focused on becoming a data-driven bank, leveraging AI and analytics to boost profitability and create a better, more tailored customer experience
» Transforming the Bank's Digital Future
This strategic evolution will bring tangible benefits across UniCredit, including:
• Supporting our industrial plan by enabling the digitalisation of our factories, franchise and governance functions;
• Fulfilling the latest regulatory requirements and future-proofing our business moving forward;
• Empowering the workforce of the future by bringing technology expertise into the bank and reducing our reliance on third parties;
• Delivering a single, consistent and ubiquitous technology ecosystem to harmonise the user experience of our digital solutions across all channels;
• Optimising our run and change processes - driving greater efficiency in the daily running of our digital machine, while simplifying the delivery of new products and services through streamlined and standardised development;
• Improving the monitoring of our digital ecosystem through automated KPI measurements, capacity planning and project tracking, as well as improved governance around third parties.