In Germany, as part of our service model, we launched the Decision • UniWeb 2.0 Plus, targets more sophisticated users and,
Maker Dialogue initiative offering to our clients the industry- additionally to its standard functions, includes: an advanced
specific expertise of our relationship managers. During our annual form of cash management; financial functions and services for
client meetings, these managers now discuss clients’ individual companies that transact with foreign parties; and an enhanced
market and strategy, and conduct SWOT analyses (Strengths, administration section and a scheduling function
Weaknesses, Opportunities and Threats).
In Poland, roughly 19,000 requests were submitted electronically
F CUS by corporate clients using our bank’s internet platform,
PekaoBIZNES24. Moreover, 20,000 SME clients began using
their dedicated PekaoFirma24 platform.
In terms of facilitating online transactions, we are the only bank in
CIB Division’s Capital Structure Advisory project Croatia to have e-Invoice, which allows customers to submit and
process invoices online. This service also helps our corporate clients
exchange, collect, reconcile and store digital invoices and documents.
Rolled out in 2012, the Capital Structure Advisory project
of the Corporate and Investment Banking (CIB Division) Our team in Romania was involved in the development of our Group
provides corporate customers with customized, strategic Web Solution (GWS), which offers clients a user-friendly and cost-
and forward-looking solutions. Clients receive tailored competitive way to carry out foreign transactions. In 2012, 66 corporate
advice based on balance sheet analyses, which creates a clients made use of our Intra-Company Payments (INTC) service.
foundation for long-term dialogue with CEOs and CFOs. 77
advisory pitches were made in Italy, Germany, Austria and in At UniCredit, we are also expanding our mobile banking service,
Central and Eastern Europe, resulting in 17 mandates taken. which in some countries is growing even faster than our online
banking. Our innovative mobile services have drawn appreciation
from users in Italy, Germany and Austria, among others11.
In this digital age, we also seek to innovate our business model by
implementing multichannel solutions. This applies to SME and In Bulgaria, our companies are accessing their accounts using
large corporate customers, who expect multichannel interactions mobile devices, with 135 SME clients being the first users of this
with our banks. They must have immediate access to products and mobile banking service launched at the end of 2012. The next step
services, perform instant financial transactions and check their will be to offer the service to larger corporate clients , too.
finances in real time.
In Poland, a new app dedicated to SMEs was the first to reach the
In response, UniCredit modernized its multichannel operations in Polish market with a fairly extensive feature set.
several countries in 2012, and will continue to roll out new services
that give customers banking access when and where they need.
In 2012, we introduced several new products through our online
banking services in Italy, which allowed SME customers to make
their purchases online through our Digital Signature service9.
We were also the first bank in Italy to introduce a 100 percent
paperless account opening process online. Our Online Document
initiative, continued to provide environmental and cost saving
benefits. Roughly 62 percent of our communications are now
archived online. In Italy, 510,000 businesses are signed up for this
service as of June 2012.
UniWeb is our web-based electronic banking services system for
corporate customers in Italy. It ensures functional and operational
flexibility, by offering a range of complementary services in order
to satisfy our customers’ operational requirements. Currently,
UniWeb is available in two versions:
• UniWeb 2.0 provides user access to information and operational
function services that are in line with CBI10 standards (including
SEPA credit transfers and direct debit). It includes improvements
regarding its usability, flexibility and in its navigation
10. Customer to Business Interaction.
9. Refer to the Serving Individuals and Families chapter for more information regarding our 11. Refer to the Serving Individuals and Families chapter for more information regarding
online banking proposal and results. mobile banking.
UniCredit · 2012 Sustainability Report 45