Banca Transilvania, IBM Global Business Services and QUALITANCE Partner in Digital Transformation Using the FlowX.AI Technology Platform

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IBM Global Business Services is a leading System Integrator (SI) and technology partner for delivering solutions at scale

The new FlowX.AI platform* created by QUALITANCE accelerates digital processes and experiences


IBM Global Business Services (GBS), the services and consultancy arm of IBM and QUALITANCE have been selected by Banca Transilvania to deliver an integrated, unified, and scalable digital solution that creates omnichannel and AI-driven experiences for customers and employees.

The FlowX.AI platform created by QUALITANCE helps Banca Transilvania redesign, simplify, and automate digital interactions between employees and customers, accelerating current operations and future digital developments. The three partners – BT, IBM GBS, and QUALITANCE have implemented the FlowX.AI platform and integrated it with multiple existing systems.

The first digital solution developed on top of FlowX.AI will be scaled across the bank’s entire network of over 500 branches. The scalable, integrated digital solution provides a single, unified, AI-powered front-end centralizing and automating internal processes in hyper-intuitive collaborative flows. This solution enables Banca Transilvania employees to easier, smarter, and faster, ultimately benefiting customers who enjoy a simplified, hassle-free experience when performing banking operations.

We welcome Banca Transilvania’s shared vision for the future of digital banking and we are excited to serve/meet our partner’s needs with the most advanced multi-experience development platform in financial services. At the same time, we are thrilled that our partnership of over 10 years with IBM is expanding into one of our most ambitious projects to date,” states Ioan Iacob, QUALITANCE co-founder and FlowX.AI CEO.

We are proud to be on this digital transformation journey with Banca Transilvania,”said Hary Olaru, Senior Partner – Client Service Leader CICs EMEA, Global Business Services. “The capabilities of IBM GBS along with the deep industry and technical expertise delivered by our local experts in Romania will further help Banca Transilvania innovate and serve clients while also addressing critical infrastructure requirements and regulatory compliance specific to the financial industry. We are ready to develop this successful partnership and continue to provide value-added support and innovative solutions to Banca Transilvania,” added Olaru.

Using the FlowX.AI platform means adopting the most advanced technologies that help us reduce the operational complexity, with positive effects for both customers and employees. Aside from the progress we made in digital transformation, developing this new solution has been a learning experience for us – as a bank and a team. We thank our partners, IBM GBS and QUALITANCE,” stated Leontin Toderici, Deputy CEO & Chief Operations Officer Banca Transilvania.

FlowX.AI, the platform created by QUALITANCE, revolutionizes the way large enterprises from industries such as banking & financial services, telecommunications, oil & gas or media, build and deliver digital interactions. The QUALITANCE FlowX.AI platform helps companies develop highly scalable, intuitive digital interfaces faster than existing alternatives, and harness the power of AI and behavioral design.

Based on a novel and hyper scalable architecture, coupled with a large library of reusable components and Artificial Intelligence at every level of the platform, FlowX.AI accelerates the development of new digital functionalities, allowing complex banking modules to be implemented in just 10 weeks.

The user interface layer of the platform creates hyper-intuitive interactions – combining elements of behavioral design and AI algorithms  that guide users optimizing users’ time and effort, and eliminating the need for training even for non-digital-native users.

IBM also provides Banca Transilvania with multiple cloud and security solutions, which contribute to safe and easy access to banking services.



About the FlowX.AI platform

FlowX.AI is on a mission to transform the broken experiences in banking and financial services, oil & gas and other complex industries, so that they delight their customers and drive growth.

With the world’s first AI-generated UI and ZeroRedeploy (™) technology, FlowX.AI helps enterprises build and launch omnichannel digital products and experiences in 10 weeks, without changing their existing infrastructure. The platform enables citizen-developers to create unified interfaces in real-time, while supporting the hyper-automation of business processes.

* FlowX.AI, formerly called “Paperflow”, is a technology platform initially created by QUALITANCE.

For more information, please visit



QUALITANCE is an international technology and innovation company that builds digital products and businesses for global organizations. QUALITANCE leverages behavioral design and emerging technologies such as AI and Machine Learning to create innovative digital products and services and help large organizations step in the digitally hyper-scalable 21st-century economy.

In over 10 years of existence, the company has built its presence across 3 continents – Europe, US & Australia – from Bucharest to San Francisco, New York and Sydney, and has worked with some of the world’s biggest companies – News Corp, Virgin, IKEA, Johnson & Johnson, or Ford – on digital transformation and innovation solutions.

QUALITANCE has been recognized by the Financial Times 1000, Inc.5000 Europe, Deloitte Technology Fast 50 Central Europe and Technology Fast 500 EMEA as one of the fastest-growing technology companies. In 2017, QUALITANCE was awarded Company of the Year by the Employers Association of the Software and Services Industry (ANIS). In 2018, the Bucharest Stock Exchange presented QUALITANCE with the Made in Romania Award for being one of the companies that will contribute to the growth of the national economy.


About IBM

For more information about IBM GBS, please visit

To learn more about IBM’s insights and solutions for banks, insurers and other financial services providers, please visit


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