Polish financial sector deploys AI and new safeguards to curb fraud
Artificial intelligence is being integrated across Poland's financial services. Machine‑learning models for credit scoring cut assessment errors by 20‑35% versus traditional methods. Around three‑quarters of large Polish organisations now run AI or advanced‑analytics projects, yet two‑thirds of those initiatives remain in proof‑of‑concept stages and only 43% deliver their expected benefits.
VeloBank launched an AI‑powered virtual assistant, Vela, that instantly calls customers to verify suspicious transactions, handling hundreds of calls in seconds. The banking sector is also bolstering fraud prevention: insurers reported over 40,000 insurance‑fraud cases in 2025—a 24% rise—with total fraudulent claims exceeding 798 million zł. Using data analytics and telematics, insurers blocked 66% of these claims, averting payouts of about 450 million zł.
In parallel, the BLIK payment system will, from 1 September, automatically reject online payments directed to websites listed in the Ministry of Finance’s register of illegal gambling services, a measure approved by the National Bank of Poland to curb the grey‑market of internet gambling.
Entities: AI · AI virtual assistant Vela · BLIK · National Bank of Poland · Polish financial sector · Polish insurers · Polish large organisations · Vela · VeloBank
Claims
What the coverage asserts, and how well corroborated each claim is across sources.
- [○ 1 SOURCE] Machine‑learning algorithms reduce credit‑risk assessment errors by 20–35% compared with traditional scoring methods. (source)
- [○ 1 SOURCE] In 2025, 75 % of large organisations in Poland are running AI or advanced‑analytics projects. (source)
- [○ 1 SOURCE] 66 % of AI initiatives in Polish firms stall at the proof‑of‑concept stage. (source)
- [○ 1 SOURCE] The AI models evaluated were GPT‑4o, Claude 3.5 Sonnet and Gemini 1.5 Pro. (a2c24730-341a-4faa-be18-f41fe9cf94a7)
- [○ 1 SOURCE] Only 43 % of those AI initiatives achieve most of their anticipated benefits. (source)
- [○ 1 SOURCE] A study of 1,233 participants found AI chatbots provide more effective consolation than human‑written messages. (a2c24730-341a-4faa-be18-f41fe9cf94a7)
- [○ 1 SOURCE] Researchers Yuhui Chen, Belén López‑Pérez and Sarah Walker conducted the study, published in the journal Emotion. (a2c24730-341a-4faa-be18-f41fe9cf94a7)
- [○ 1 SOURCE] From 1 September, BLIK will automatically block online payments to sites listed in the Ministry of Finance’s register of illegal gambling services. (source)
- [○ 1 SOURCE] VeloBank deployed an AI virtual assistant named Vela that automatically calls customers when a suspicious transaction is flagged. (source)
- [○ 1 SOURCE] Only 43% of AI projects in Poland achieve most of their anticipated benefits. (706e7071-26d2-46ad-8d45-6cdaf24e64d8)
- [○ 1 SOURCE] 66 % of AI initiatives in Poland stall at the proof‑of‑concept stage. (706e7071-26d2-46ad-8d45-6cdaf24e64d8)
- [○ 1 SOURCE] In 2025 Polish insurers detected over 40,000 insurance fraud cases, a 24% increase, with total fraud value of 798 million zł and 39 million zł paid out. (2fecae91-c5aa-4f32-85bc-0da3660b97e2)