Artificial intelligence (AI) has gone from being a simple technological innovation to becoming an essential strategic ally to transform both internal operations and the user experience in the finance and insurance sector. In fact, at Caixa Enginyers, as a credit cooperative committed to its members, AI becomes a key tool in our purpose of taking care of their financial health, helping us to enhance the ability to build closer relationships with our social base.
We understand AI, not as a substitute for people, but as a technology that aims to complement and elevate their capabilities, thus reinforcing our commitment to a more human and personalized service, from an ethical and responsible perspective.
Thanks to its ability to analyze large volumes of data, identify patterns and develop predictive and prescriptive models, AI provides significant value when it comes to anticipating risks and offering personalized solutions. In the area of financial well-being, its integration has the potential to improve the economic health of our members by analyzing patterns in real time, identifying savings opportunities and promoting informed decisions based on objective criteria. In addition, its ability to automate, optimize and personalize processes reduces barriers to communication, making the banking experience more accessible, empathetic and adapted to the individual needs of each person.
Another area where AI is making a difference is in the fight against fraud. Through advanced models developed in collaboration with institutions such as CIDAI, Eurecat and IDEAI-UPC, we are working to detect fraudulent activities even before they are carried out, thus strengthening security and trust in our services. At the same time, AI also fosters inclusion through tools designed to make our products and services more accessible, as well as through the use of generative AI to simplify communication with partners, improving clarity and fostering better understanding. Regarding practical applications at Caixa Enginyers, projects such as the financial health system, currently under development, which will allow us to evaluate and improve the financial well-being of our members, stand out; the use of generative AI to optimize communications, support research or in the field of coding; and the implementation of an internal bot to resolve regulatory and operational queries in an agile manner. These efforts are integrated with our commitment to guarantee accessibility for people with functional diversity and with the proactive detection of fraudulent transactions.
Ultimately, AI does not replace our mission to humanize finance, but rather amplifies and reinforces it. By combining its analytical and predictive capabilities with an ethical, responsible and people-centered approach, we are transforming the financial experience of our partners. This commitment to technology allows us to continue advancing in our purpose of being a benchmark in promoting financial well-being.
