FlowX.AI has been chosen by Banca Transilvania to be the engine powering its digital transformation

13 mai 2021

IBM Global Business Services (GBS), the services and consultancy arm of IBM, and QUALITANCE have been selected by Banca Transilvania „to deliver an integrated, unified, and scalable digital solution that creates omnichannel and AI-driven experiences for customers and employees,” according to the press release. The new solution was developed on the FlowX.AI technology platform.

The FlowX.AI platform initially created by QUALITANCE helps Banca Transilvania redesign, simplify, and automate digital interactions between employees and customers, accelerating current operations and future digital developments. The three partners – BT, IBM GBS, and QUALITANCE have implemented the FlowX.AI platform and integrated it with multiple existing systems. 

The first digital solution developed on top of FlowX.AI will be scaled across the bank’s entire network of over 500 branches. The scalable, integrated digital solution provides a single, unified, AI-powered front-end, centralizing and automating internal processes in hyper-intuitive collaborative flows.

This solution enables Banca Transilvania employees to work easier, smarter, and faster, ultimately benefiting customers who enjoy a simplified, hassle-free experience when performing banking operations. 

Based on a novel and hyper scalable architecture, coupled with a large library of reusable components and Artificial Intelligence at every level of the platform, „FlowX.AI accelerates the development of new digital functionalities allowing complex banking modules to be implemented in just 10 weeks,” the company said. 

The user interface layer of the platform creates hyper-intuitive interactions – combining elements of behavioral design and AI algorithms that guide users, optimizing users’ time and effort, and „eliminating the need for training even for non-digital-native users”. 

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Mihai Draghici – CEO PayByFace

„Dupa ce oamenii creeaza un cont PayByFace si au adaugat cardul, selfi-ul si PIN-ul, si au avut un pic de curaj sa se duca sa incerce, daca au incercat o data plata prin recunoastere faciala nu mai folosesc altceva (n.r. ca modalitate de plata). 80% dintre ei numai asta folosesc. Le place la nebunie.” 

Afla aici rezultatele in adoptia platii prin recunoastere faciala.


In 23 septembrie 2019, BNR a anuntat infiintarea unui Fintech Innovation Hub pentru a sustine inovatia in domeniul serviciilor financiare si de plata. In acest sens, care credeti ca ar trebui sa fie urmatorul pas al bancii centrale?