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Digital Banking Scorecard 2025

A Must-Read for Financial Services Leaders

Digital Banking Evolution: Innovation, AI, and Customer Experience

Find out which are the most digital banks in the Romanian market and what new features they have introduced in the last year.

  • What are the innovations in which banks have invested?
  • How do banks perform in terms of customer experience?
  • How much are banks using AI in their products and what are their AI-plans for the future?

“A well-structured GenAI adoption process, with rigorous technology selection, clear implementation guidelines, and proper governance, can significantly elevate organizations.”

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Lucian Daia

CTO, Zitec

Why this Report Matters
Now More than Ever

Controversial, highly anticipated, but also unique in the local market, the report presents not only the innovations in which banks have invested, but also how friendly the digital interaction with them has become, now that many banking processes have become fully digitalized and “superapp” functions, such as insurance, investments or automated savings have gone from innovation to expectation in the hearts and minds of digital banking end-users.

9 banking and tech experts share their perspectives on the transformative potential of AI in reshaping the future of banking.

What’s Inside This Report

Key findings from dozens of retail leaders and expert interviews.

Built-in B2C capabilities are the top strength of current e-commerce platforms. But retailers are lagging behind integrations, AI, and more.

What are the top strengths of your current

e-Commerce platform?

Top-strengths-ecommerce-platform (1)

What are the key areas for improvement you’ve identified for your current e-commerce platform?

“This report finally puts data behind what we’ve been feeling. Physical retail isn’t dead, it’s evolving into a seamless commerce approach. The insights on smart scaling are invaluable.”

"Every business leader in retail needs to read this. It is the roadmap for what is next."

“The most actionable insights I’ve seen all year. No fluff. Just hands-on data.”

“The most actionable insights I’ve seen all year. No fluff. Just hands-on data.”

“This report finally puts data behind what we’ve been feeling. Physical retail isn’t dead, it’s evolving into a seamless commerce approach. The insights on smart scaling are invaluable.”

"Every business leader in retail needs to read this. It is the roadmap for what is next."

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Who Should Download this Report

  • Banking and financial services executives navigating the digital challenges in their operations
  • Technology leaders building the case for AI investment in financial operations
  • Financial institutions representatives balancing cost efficiency with innovation

Get Your Copy

Download the Digital Banking Scorecard, by Future Banking and Zitec.