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Innovation

Technology and digitalisation are key to our business model, which has the largest base of digital customers in Spain (more than 11 million). In addition, throughout our history, we have developed projects that have marked technological turning points within the banking sector.

Leading the digitalisation of banking

We accept innovation as a challenge and a differential feature of our culture. Our objective is to make the most of the opportunities that the digital revolution offers in order to provide a better service and improve our management capacity in all spheres of the organisation.

Leaders online

We are Spain's leading bank in digital customers, and in visits to our CaixaBankNow online banking.

Thanks to its powerful digital transformation strategy, CaixaBank has become one of the highest-rated banks in the world based on the quality of its digital products and services.

This year, the US magazine Global Finance has named CaixaBank as the "Most Innovative Bank in Western Europe 2022”.

On top of this, CaixaBank has also received global awards —Best Bill Payment and Presentment Consumer Digital Bank in the World for 2022 and Best Online Deposit, Card and Investment Product Offerings Consumer Digital Bank in the World for 2022— and one continental award, Best in Lending Consumer Digital Bank in Western Europe for 2022, by the same magazine.

Furthermore, in 2019 the bank's online banking service, CaixaBankNow, was named the Best Consumer Mobile Banking app in the World, and in Western Europe in 2018, 2020 and 2021.

Moreover, the use of big data and artificial intelligence has earned the bank the accolade of 'World's Best Bank in Data Analysis and Artificial Intelligence 2022' at the Qorus-Accenture Banking Innovation Awards, and 'Best Private Bank for Big Data Analytics and AI in Europe 2022 and 2021' by the Financial Times Group's PWM magazine. See all the honours awarded to CaixaBank in the Acknowledgements section.

Consolidated Management Report of the CaixaBank Group

Technological milestones

Innovation is in our DNA. We have implemented cutting-edge technology solutions for people and society throughout our history.

  2. Teleprocessing This system connected branches to the central computer
  3. ATMsThe first automatic cash machine only worked with credit cards. Pass books were used later on
  4. ”la Caixa” cards The first ”la Caixa” Visa cards were offered plus ATM cards
  5. Personal computers The entity was a pioneer in Spain in introducing the first personal computers in branches
  6. Línea Abierta The bank began internet banking
  7. CaixaMobile Launch of the ”la Caixa” mobile banking website
  8. Mobile phone payments Application of contactless technology to mobile phones
  9. First contactless ATM in the world Barcelona was the first European city to welcome contactless payments in shops and ATMs
  10. Wearable Banking and contactless bracelets Top bank in developing wearable financial applications
  11. ImaginBank
    ImaginBank First mobile-only bank to be set up in Spain and the first in the world where all transactions are performed using apps for mobile phones or social media
  12. Money transfer service for iPhones using Siri voice commands First bank in Spain to offer the service
    ImaginBank
    ImaginBank Launches the banking sector's first chatbot
  13. Payment Innovation Hub
    Payment Innovation Hub The first innovation hub in Spain specialised in commerce and payment methods, in partnership with Global Payments, Samsung Visa and Arval
  15. Imagin
    Imagin relaunch Imagin has been transformed into a digital platform dedicated to creating financial and non-financial digital services for young people

Accessibility of digital channels

At CaixaBank, we are convinced that innovation means always looking forward and the basis to improve people's quality of life.

That is why we develop technological tools to enable everyone to bank in an autonomous, user-friendly and customised way on all our service channels. For example, all CaixaBank's ATMs are accessible and provided with visual aids (high-contrast screen and simplified operations), acoustic and tactile aids (Braille keyboard and voice navigation) and aids for people with motor complications. In addition, a high percentage of ATMs include sign language video guides.