Beyond the Buzz: How AI Is Accelerating the Future of Banking at HVB

Artur Gruca’s keynote, “Beyond the Buzz: The AI Advantage and how HVB is Redefining the Future of Finance,” offers a comprehensive look into how HypoVereinsbank, as part of UniCredit, is transforming itself into a technologically empowered, data-driven and operationally excellent institution. Gruca’s keynote takes place at the Handelsblatt Annual Conference BankenTech, one of the leading gatherings for decision-makers shaping the technological future of the financial industry in Germany and Europe. The conference brings together executives, innovators, regulators and technology experts to discuss how digitalization, data and AI are redefining banking from the ground up. Across two days, the event highlights strategic shifts in customer experience, operational excellence, cybersecurity, payments, and the rapidly growing role of generative and agentic AI. Within this setting, Gruca’s contribution stands out as a forward-looking and practical exploration of how a major European bank is transforming its operating model and competitive position through AI-driven acceleration.

In the end, his message is simultaneously pragmatic and ambitious: artificial intelligence gets real value only when it disappears into the fabric of the bank. When algorithms help employees make better decisions, when customers receive faster and more intuitive service, when risks are caught earlier and when innovation scales effortlessly across borders, then AI is no longer a buzzword but a structural pillar of financial excellence. HypoVereinsbank, as he presents it, is well on its way to building exactly that future.