Karolina Marcinkowska Archives , AltkomSoftware

15/09/2025 |

6 min reading

Digitising SME lending is back on the strategic agenda for many banks – and for good reason. Businesses now expect a simple, fully online process and decisions within 24 hours. The pressure isn’t just coming from other banks, but also from agile fintechs. So what’s holding large institutions back? In this article, we share practical insights from working with banks and outline how to scale SME lending step by step, using a proven solution: the Digital Banking Platform (DBP).

Karolina Marcinkowska

Visualisation of the customer at the centre of hyper-personalisation in banking – data analysis and a personal approach.

13/06/2025 |

11 min reading

The customer doesn’t wait for the bank to ask questions. They expect the answer to already be there. In an era where decisions are made in split seconds, and loyalty hinges on a single click, personalisation has ceased to be an add-on. It has become a prerequisite for survival and growth – in relationships with both individual and business clients. Mass banking is losing its relevance. Customers expect their bank to know them, understand them and anticipate their needs before they’re even expressed. That is why hyper-personalisation is now the new standard and the key to loyalty, effective sales and long-term competitive advantage.

Karolina Marcinkowska

Symboliczna grafika przedstawiająca automatyzację i zabezpieczenie procesów zajęć egzekucyjnych w bankowości.

30/04/2025 |

7 min reading

In 2023, European debt collection firms handled receivables worth approximately €19.6 billion, with key markets such as Germany and the UK leading the sector.1 In Germany, debt collection agencies are estimated to manage over €50 billion in outstanding receivables, emphasising the scale of debt-related operational challenges in large European economies.2 The scale of the debt management challenge in the financial sector is growing rapidly, and with it, the pressure on banks to improve operational efficiency, regulatory compliance and data protection. In this context, automating enforcement order processes becomes not only a cost-optimisation tool, but also a critical component of risk mitigation and organisational resilience strategies.

Karolina Marcinkowska

Graphic with charts, data, and currency icons – symbolizing the impact of technology on the financial and lending market in Poland.

25/02/2025 |

9 min reading

Between 350,000 and 500,000 mortgage applications are submitted annually in Poland, which poses a huge challenge for banks – how to efficiently serve such a large number of customers while minimising operational costs and enhancing user experience. The modern customer expects a fast, intuitive and fully digital process, while many financial institutions are still struggling with outdated systems and complex procedures. In addition, competitive pressure and the development of technologies such as workflow engine, low-code, AI or Open Banking are making the digitisation of mortgage processes a necessity rather than an option.

Karolina Marcinkowska

Services

Customer Experience

Software Engineering

Performance Engineering

Security

Data & Analytics

AI & Gen AI

Cloud

Digitalisation of the SME Lending Process

Solutions

Altkom Insurance Suite

Altkom Digital Banking Platform

Altkom Digital Leasing Platform

Altkom Software BPMS Engine: A Safe, Long-Term Alternative to Camunda 8

Advisory

Solution Clarity

Audit Services & Optimisation

Strategic Advisory

Data Governance

Karolina Marcinkowska

Head of IT Strategy & Banking Solutions

Written by: Karolina Marcinkowska

Step-by-step SME Digital Lending: How Are Banks Achieving 24-hour Credit Decisions Without Replacing Systems?

Hyper-personalisation in Banking. A New Standard for Customer Relations

Enforcement Order Automation in Banks: An Investment That Pays Off in Three Years

The digital revolution in mortgages: how technology is changing the Polish loan market?

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