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New channel of communication with customers - implementation of chat in PKO BP

According to a 2021 study by Alior Bank, nearly half of Poles were willing to communicate with a virtual assistant. By the end of June 2023, Polish banks had accumulated nearly 15 million customers categorized as “mobile-only," as reported by Puls Biznesu. A growing number of customers are choosing online contact over in-person or phone communication.

This trend indicates the necessity for banks to expand their communication channels. We are currently focusing on one such channel – chat – in collaboration with PKO Bank.
This channel is essential to address customer needs and, concurrently, to lower expenses and alleviate the workload on agents (e.g., by automating repetitive conversations).

While we are already progressing with the third stage, this case study pertains to the first two stages – a chat designed for non-logged-in customers and launching chat contextually in the loan purchase and onboarding process.

Our team developed the chat with the customer's perspective in mind.

PKO Bank Polski
from Q1 2023 (first stage: 4 weeks)
allowing bank customers to make conversation with a bank employee while visiting an info site

Project in numbers:

  • 3 stages of work
  • only 4 weeks to implement the first stage

Project background


The bank aimed to facilitate direct communication between customers and agents or the bot on the information site and while completing application forms, like those for new account openings or loans.
Eliminating friction points and granting customers access to information through interaction with the bot or a bank agent was a key objective.
It was crucial for the component to be integrated into specific processes and within the iPKO transaction service.
The bank envisioned implementing an intuitive chatbot driven by machine learning, capable of interpreting behavior and contextually responding when customers require assistance.

The bank's key requirements

The bank sought the ability to customize the appearance of the chat interface, as the existing native ECE plugin did not allow such modifications.
On the one hand, the chat was to be front-end independent across channels, and on the other hand consistent and in line with the bank's style guide. Its main task was to centralize communication. A single implementation was planned for the info site, application processing system, transaction system, and mobile interfaces.


We demonstrated to the bank the feasibility of separating the front-end part from the functional part. It is critical if the bank needs to change the front end in any of its channels. The microfrontend approach proved to be our competitive advantage.
Our team developed a chat Minimum Viable Product (MVP) accessible to customers in various contexts, ensuring swift and efficient assistance in troubleshooting issues encountered while completing applications.
At present (Q4 2023), we are executing the third phase of our project, incorporating a bot and chat functionality within sales processes. Additionally, we're integrating a chat for non-logged-in customers.

How did we approach the work in this project?

On Eximee's side, the project had a StarFleet team led by a Product Owner, Piotr Kolinski. The team on the bank's side consisted of an analyst, IT Product Owner, Business Product Owner and administrators.
The project was divided into 3 phases.

Phase I: chat on the info site for non-logged-in customers

Phase I regarding the internal Proof of Concept was completed in 4 weeks. It assumed making the chat available on  www.pkobp.pl. It passed friends and family tests and was put into production in August 2023.

Phase II: launching chat contextually in the loan purchase and onboarding process

We implemented the so-called active engagement. It means the chat becomes available to users who have progressed beyond the initial form page and have made a specific number of errors, for instance, three. Only at that point, during instances of friction, the chat displays a message to ask the user if they need help:

The chat has been integrated into Eximee as a web component. This integration allows the following:

  • the bank has the capability to operate the chat on specific forms for non-logged-in customers, developed using Eximee;
  • the chat component can be edited and configured as needed;
  • the component can receive updates independently of the Eximee applications and banking systems, without affecting their availability to customers.

Eximee application designers can define conditions for displaying the chat. Examples of triggers for the presentation of a chat are:

  • time of inactivity since entering the application form,
  • time of inactivity after interacting with any component,
  • the nth return to the same page of the application form,
  • number of interactions with a specific component.

The solution was tested using the family and friends method. It has been available to customers since August 2023.

Phase III: chat for logged-in customers, bot and chat in sales processes

Implemented in Q4 2023. We will share a case study soon.

What systems have we integrated Eximee with?

The web component communicates with a dedicated back end managed by the bank. This back end is connected to both a chatbot application and a Cisco-ECE application utilized by agents.
The chatbot is embedded into the info site (pkobp.pl) and Eximee applications tailored for potential customers (prospects). We also managed the integration of the chat with a machine learning-driven bot provided by a third-party supplier.
Furthermore, to enable informing customers about the availability of agents, we integrated the platform with the bank's systems responsible for managing information related to agent availability.

The outcome

The collaborative effort between the Eximee and bank teams resulted in the development of an intuitive chat system that utilizes machine learning to interpret customer intentions. The chat responds contextually to customer behavior. It activates, for example, when a customer:

  • is inactive within a form for 10 seconds (response time is configurable);
  • is repeatedly filling in the same fields on a single page;
  • calls the application validation three times without success, indicating potential errors in filled fields.

Advantages for bank customers

Customers can swiftly connect with bank employees via the chat interface. If consultants are unavailable, customers have the option to fill out a contact form and request a response.
The chat functionality allows users to download a PDF containing a record of their conversation. This record serves various purposes, such as an attachment in subsequent communications or as a note.

Advantages for the bank

The bank gained an additional communication channel to serve more customers.

Automation of some parts of communication (e.g., a chatbot starts a conversation) means less work on the part of the bank's agents.

Engaging with either the bot or an agent results in customers being better informed, increasing the likelihood of successfully completing applications. It leads to a decrease in abandoned forms and an overall improvement in conversion rates.
Furthermore, the bank has gained:

  • the capability to effectively notify a large number of customers about, for instance, malfunctions or issues, thereby reducing the necessity for customers to contact employees individually regarding the same matter.
  • a way to gather feedback from customers concerning their interactions with bank employees and their overall satisfaction with the service provided.

  • Banking product sales
  • Customer communication


Piotr Koliński
Product Owner
Develops Eximee features and technology. Works directly with clients and specializes in banking sales processes.