During PKO BP results briefing, the bank’s CEO, Szymon Midera, announced that the launch of the PKO Raty product – instalment loans – is planned for the coming weeks. "We are ready with the product and the process; testing is currently underway with one of our partners," said the head of the largest Polish bank.

We reported back in December 2025 that the bank had high hopes for this line of business. The bank has filed a trademark application with the Patent Office for ‘PKO Raty’. The project is now in its final stages. "We are aware that this is an important product from PKO’s perspective. We have a gap, and we want to fill it, also recognising that many young people are entering the world of finance by using instalment products or ‘buy now, pay later’ schemes (deferred payments, ed.)," said Szymon Midera during a meet-up with journalists.

See also: N26 Introduces New Virtual Cards for Lovers

Midera also referred to the progress made in developing the Allegro Klik service, the payment method offered by PKO BP on Allegro. "We are on track to reach one million customers using our Klik service," he noted. Midera also announced that, before the end of this six-month period, a process for opening new PKO accounts directly on the Allegro website will be launched.

Currently, PKO BP customers who activate this new payment method can use Klik. Ultimately, however, the service will be made available to all Allegro users, who will be able to start paying with Klik as soon as they open a PKO account, without leaving the marketplace. "Work is currently underway to complete the process of quickly opening PKO accounts within the Allegro platform by the middle of the year, without leaving the Allegro website, a process which will significantly help us in acquiring new customers," emphasized Szymon Midera.

Another new initiative from PKO BP – the Kropka app – is designed to help attract new customers. "We’ll be launching in May and unveiling Kropka. We’ll be showcasing a completely new approach to attracting users, ultimately customers of the PKO Group," he asserted. "This is not a typical banking project. We want to take a completely different approach to building a user base. This is an environment where we will also be free to experiment with innovative, groundbreaking technologies. This gives us more scope to utilize this technology and such a more lightweight business model," he explained.

See also: Credit Agricole will make Blik available to corporate customers

As the CEO of PKO BP said, this whole range of systems is expected to bring the institution around 2.5 million new customers. The bank is seeking them out in a less conventional way, whilst – as representatives of PKO BP frequently emphasise – it does not rigidly adhere to established concepts but constantly adapts them to the results achieved. – "We are building a gravel road, and only once customers start using it do we expand it into a motorway, not the other way round. By default, therefore, we are geared towards deep pivoting – both within the Kropka app and in our collaboration with Allegro. Because that’s how the world looks today: you have to seek out value, and have the flexibility and ability to change your approach to the user," said the CEO.

At yesterday’s conference, my attention was also drawn to a part of the speech on the use of artificial intelligence for risk assessment in lending, specifically the measurable financial benefits of adopting this technology. "Thanks to the use of advanced machine learning methods, we granted nearly PLN 53 billion in loans in 2025. This allowed us to generate PLN 1.5 billion in additional lending that we would not have granted without this technology," revealed Piotr Mazur, a member of the bank’s management board. As he pointed out, this is the result of an increase in the proportion of approved applications, whilst maintaining the risk level. As a result, the customer base grew by an additional 41,000 borrowers whose applications would not have been approved otherwise. As the expert calculated, this translates into approximately PLN 0.5 billion in revenue for the bank, thanks to the use of the technology.

Piotr Mazur also announced that the bank would increasingly focus on developing projects involving artificial intelligence, including deep learning models and link graph analysis for businesses. As early as 2025, the bank implemented its first deep learning models, currently in ‘laboratory’ mode, and the expert illustrated their value by drawing a comparison from the field of medicine. As he pointed out, a patient’s condition can be analysed based on temperature readings and blood tests, but an MRI scan can also be performed, which provides a very detailed and precise picture. The use of deep learning is intended to be precisely such an "MRI scan for credit risk", stated Piotr Mazur.