CSE

CSE. 100 million euros in new technologies and applications

Data-oriented technologies, automation projects as well as new solutions for providing credit and gathering tools. These are some of the areas at the center of CSE's investments

The CSE has announced a new three year Strategic Plan consisting in an investment of over 100 million euros in new technologies and applications: all projects have already started, another proof of how in tune the innovative visions of CSE and the business needs and new managerial models required by Banks and Financial Companies are. In particular, the Banks of the territory stay on their path of transformation of their offices and their operative and distributive model, characterized by a higher efficiency and a wider availability of the services; the clients require increasingly more agile processes, rapid decisions and a communication channel available 24/7.

Increasing automation

CSE facilitates this change by leveraging projects that increase the degree of automation, by updating applications in order to adapt to the latest technological standards and more agile processes, by also introducing innovative tools able to make the analysis as well as decisional phases more efficient.

Evolution in the offer: flexible deposit accounts

The emphasis in the last years, focused mainly on payments, has ultimately moved partially toward tools for gathering, providing and gathering credit. The CSE has promptly answered this change in strategy by widening the flexible deposit accounts management and with complex remuneration schemes, rather distinct on the market.

Providing credit rapidly and reducing the operative risks

The “fast” credit provision platform, which allows to have evaluation times of creditworthiness and provision of loans of a few hours, has also been implemented With manual operation automation, it was possible to create efficiency, and the resources can be focused on activities with higher added value, allowing also to reduce operative risks; thanks to artificial intelligence, the Banks can extract hints and indicators for finding the best ways of creating and managing new business from the available data flows, or support decisions by identifying, sizing, prioritizing and managing different use cases.

New technologies: cloud, machine learning and AI

CSE has also made huge investments in technologies that simplify the distributed computation and toward a growing offer of highly scalable services through cloud platforms, with which is increasingly easier to process enormous volumes of data with machine learning techniques and artificial intelligence, by replicating or even surpassing the cognitive abilities of a human being.

Improving the decision-making processes with data

The financial services ecosystem is characterized by a particularly rich and relevant informative wealth, and it definitely represents one of the more interesting areas for the adoption of data-oriented technologies too. These technologies are showing to be a critical competitive factor for financial institutions, as they improve the decision making processes, redefine the way of working, lower the costs and strengthen the relation with the end client. It is no wonder artificial intelligence has retained the first place among research priorities for Italian realities in ABI Lab’s surveys on ICT Priorities 2022 and 2023.

How to govern artificial intelligence

Artificial intelligence is a tool with great potential, but it requires a high level of specialization and professionalism in order to support in the right way relevant corporate strategies, for example in the case of credit provision; it is however necessary to assure the reliability of set learning models and processed data. For this reason, “recruiting” a Data Scientists team is not enough to address every problem or need; governing artificial intelligence requires a multidisciplinary ecosystem comprised of technical and functional resources. In order to ensure the success of such initiatives, it is necessary to streamline and systematize access, the use and the sharing of data, allowing for a dynamic, fluid, self-service approach, and a new approach to data consumption patterns.

The data-driven approach to eliminate false positives

The progressive adoption of artificial intelligence technologies is pushing banks to evolve both business and control features toward the data-driven approach. For example, thanks to machine learning algorithms, CSE is able to noticeably improve the analysis process of suspect operations, eliminating false positives and fixing control priorities as needed through a continuous learning process.

Not just banks

The CSE, after over 50 years of activity, continues to maintain “banking DNA” as its distinctive trait, the mark of deep knowledge and closeness to Banks' issues, combining passion for innovation with proven implementation and project governance skills. Thanks to their qualified experience in the field, CSE is able to offer services and advice to a wider perimeter of clients in the financial field, not limited to traditional banks. The customer base of CSE is in constant expansion: in addition to partnering with Banks, it helps numerous payment institutions, IMELs, AISPs and PISPs, and generally all market players that aspire to adopt new businesses and new technologies, in a secure manner aligned with industry regulations and best practices.

Vittorio Lombardi,

Chief Executive Officerat CSE