Komerční banka (KB) focuses on innovation driven by real customer needs, combining digital leadership with a strong physical presence. A key priority is ensuring that self-service and branch operations remain accessible at any time while continuously modernizing the ATM network to deliver highly automated, convenient, and future-ready banking services.
Challenge: Building a Future-Ready Self-Service Ecosystem
Banks face growing pressure to provide 24/7 access to cash services while reducing operational costs, improving efficiency, and meeting rising customer expectations. For Komerční banka (KB), modernizing a heterogeneous ATM landscape and creating a more customer-centric self-service channel became a strategic priority.
Solution: Drive Value Through Self-Service Innovation
Together with Diebold Nixdorf, KB transformed its ATM environment into a unified self-service ecosystem. The bank deployed a standardized technology platform, introduced advanced cash management and monitoring services, and became part of a shared ATM network that enables customers to withdraw and deposit cash across multiple participating banks. New digital services such as cardless transactions and QR-code receipts further enhanced the customer experience.
Result: Expand Reach and Efficiency
Today, KB operates a highly automated and future-ready self-service network that combines convenience for customers with greater operational efficiency. Intelligent cash forecasting helps optimize replenishment cycles and reduce costs, while ATM sharing expands access to banking services nationwide. The result is improved availability, broader customer reach, lower operational complexity, and a more sustainable self-service infrastructure.
