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Kalman Tiboldi - CTO & Founder at GemOne-TVH - Simplify or Die: Why Complexity Is the Real IT Challenge
Germany Sep 29, 2025 Country Members Virtual german
Unsere Wissensaustausch-Briefings "AI & Data Knowledge Transfer" zielen darauf ab, CIDOs und Senior Digital Leaders mit praktischen Anwendungen und umsetzbaren Erkenntnissen von Fachexperten zu vermitteln, die den Weg für transformative digitale Reisen ebnen.
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Germany Sep 30, 2025 Country Members Physical german
Von der Theorie in die Praxis: Erst Business, dann Bier.Unstrukturierte Daten sind das verborgene Kapital vieler Unternehmen – und zugleich eine der größten Herausforderungen moderner IT. Gemeinsam mit CIOs, CDOs und CTOs der CIONET-Community sprechen wir zuerst bei WeWork München über Strategien, Technologien und echte Use Cases, um dieses Potenzial zu heben. Danach geht's weiter auf die Wiesn – für den offenen Austausch in bayerischer Atmosphäre.
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UK Sep 30, 2025 Invitation Only Physical english
This exclusive Jefferson dinner, hosted by Mendix and CIONET, brings together a hand-picked group of senior executives and digital leaders from across the UK financial sector.
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Netherlands Sep 30, 2025 Invitation Only Physical dutch
Alleen op uitnodiging. Mastering Digital Sovereignty Control, trust and resilience in an era of geopolitical and regulatory shifts. From the Network to the Data.
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Belgium Oct 1, 2025 Invitation Only Physical english
In today’s rapidly evolving technological landscape, organisations face a critical challenge: how to modernise their legacy systems while managing costs, maintaining security, and ensuring operational continuity. This exclusive round table discussion brings together CIOs, CTOs, and Digital Leaders to explore best practices for legacy and lifecycle management. Key topics include extending the lifespan of existing systems, mitigating cyber security risks, optimising costs, and integrating legacy platforms with modern technologies. We’ll also delve into sustainability, workforce challenges, and future-proofing IT infrastructures to navigate technological obsolescence.
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Germany Oct 7, 2025 Country Members Virtual german
Alle nutzen KI, aber keiner weiß wie effektiv! Im Jahr 2025 sind wir als IT-EntscheiderInnen gefordert die Wünsche der Fachbereiche an Künstliche Intelligenz zu managen. Welche KI dient als Copilot für unsere Mitarbeitenden, inwieweit hat diese Zugang zu Firmenwissen und könnten wir heute bereits sinnvoll einen KI Agenten in die IT Systemlandschaft einbinden? Unser Business Partner Scheer PAS spricht als Anbieter einer Process iPaaS Plattform mit hunderten Unternehmen jedes Jahr über IT-Integration. In dieser Online-Session besprechen wir erste Reifegradmodelle zu KI, wo der deutsche Mittelstand sich befindet und wie wir die nächste Innovationsstufe erreichen. Wir teilen praktische Erfahrungen aus dem Marktumfeld und planen unsere nächsten Schritte in der Adaption von KI.
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Helping a leading UK retail bank improve customer experience and fight fraud with Smartnumbers
Providing a safe and secure banking experience at every stage of the customer journey.
Overview
The bank was looking to improve their customer service journey and prevent potential fraud losses.
The customer had security concerns over fraudsters obtaining information through Interactive Voice Response (IVR), as it’s difficult to identify fraudsters through audio monitoring only.
As one of the UK’s leading banks, millions of customers trust them with their investments, savings and finances.
It’s their responsibility to ensure that customers have a safe and secure process at every stage of their banking journey.
The challenge
The retail bank offers self-service through IVR, helping customers send payments or check balances with ease. But even such a sophisticated IVR can pose fraud risks and vulnerabilities. The bank knew from downstream fraud systems that fraud typically starts in the IVR when calls are linked to customers’ compromised accounts. The opportunity to prevent potential debit card and online banking fraud meant that the bank would be able to further improve its relationship with customers.
To address this, the bank had already established a telephony token system to confirm the caller’s identity - typically a straightforward passcode or security question. However, customers who use other channels, such as online banking, may call infrequently and often struggle to recall answers to these questions. It can be challenging from a security perspective too as these answers can be gathered using computer malware or customers can be tricked into disclosing them. And while the bank had implemented audio monitoring to help detect bad actors, this wasn’t sufficient to identify fraudsters who use the IVR to validate compromised data.
That’s when the bank decided to opt for a Smartnumbers solution from us to address their customer authentication and fraud prevention needs. As the fraud and financial crime manager pointed out, “Fraud detection systems are generally resource heavy and the more friction you put into a journey to protect customers, the worse the customer experience is”. Which is where we came in with Smartnumbers, providing “a great improvement on customer experience on top of fraud benefits alongside it.”
On average, we expect to save between 20 to 30 seconds per call in the contact centre.”
Fraud and financial crime manager
The solution
Our trusted partnership with Smartnumbers helps banks improve their customer service delivery and mitigate fraud losses by establishing better customer relationships and safer fraud prevention processes. Our solution identifies fraudsters by determining a call’s risk before it even arrives in the IVR. It carefully analyses more than 200 features derived from carrier-level call signalling, assigning a risk score for each call.
Our customer can now quickly and accurately identify suspicious calls, even when callers try to hide their phone number. Smartnumbers operates in the background, providing a layer of invisible security to support fraud detection and authentication., The bank has now gained flexibility in how they apply the system and maintain a high-level of security. The implementation process was simple and straight forward. Onboarding a new system like this would typically take two years, but with our Smartnumbers solution, the implementation was six months requiring only internal process changes.
With real-time visibility of the call’s risk level, the bank now offers legitimate customers a broader range of transactions in the IVR, as well as a slicker authentication process if they need to speak with an agent.
Smartnumbers also cuts operational costs. The process of determining the specific reduction in average handling time (AHT) can vary, but the customer expects on average to save between 20 to 30 seconds per call in the contact centre, and for more complex areas, such as fraud and disputes, it can go up to a full minute.
With our Smartnumbers partnership, the bank has been able to benefit from greater improvement to their customer experience delivery alongside enhanced visibility in fraud detection across different channels.
The result
Our Smartnumbers solution has allowed the bank to reap many benefits, such as improving the caller experience, reducing average handling time, and preventing fraud with established fraud savings. The bank has improved the caller experience for 35 to 40% of available calls due to the increase in the IVR containment and shorter authentication time for agent answered calls. And reducing such friction for customers has proven to be only one of the numerous beneficial outcomes.
Since implementing Smartnumbers, the bank has a complete fraud picture across all channels, including the contact centre. The customer has delivered a fourfold improvement on ROI on fraud savings alone by preventing card, online, telephony and APP fraud.
As the bank continues its efforts in fighting fraud, it views our partnership with Smartnumbers as the solution for not only preventing fraud across the business but delivering exceptional customer service all while reducing operational costs. As an overall result, the bank is building better service delivery experiences and strengthening customer relationships along the way.
Smartnumbers is also helping us prioritise cases highlighted by other fraud systems - and also link together fraud cases those systems may have missed.”
Fraud and financial crime manager
Kalman Tiboldi - CTO & Founder at GemOne-TVH - Simplify or Die: Why Complexity Is the Real IT Challenge
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José Antonio López, Group CIO at TOUS - Jewels, Data & AI: Inside the Digital Transformation of TOUS
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CIOFEST 2025 - From Order Taker to Proactive Disruptor
As AI transitions from a specialised tool to an all-pervasive force, understanding its profound implications for our human lives is no longer merely academic but an urgent imperative for social well-being and strategic preparedness.
Geopolitical tensions have dominated the headlines for over two years now. In this context, the cyber threat landscape is also evolving rapidly. The protection and security of critical infrastructure – both physical and digital – is becoming increasingly important.
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