In the last decade, the way citizens make their daily banking transactions in Greece has changed radically.

From endless queues to stores for the realization of transactions, we have come to a new reality, where almost all of the transactions are now out of the physical store, through mobile, digital wallets, internet banking and online environmental environment

Today, in banking stores, only a minimum number of traders, it is conducting transactions through traditional counter, with the average Greek citizen now being familiar with digital transactions.

A typical example of the digital transformation in the banking sector is Alpha Bank, which now holds 98% of its transactions with out -of -store customers.

As he said In the 10th financial forum of Delphi, the bank’s Chief Digital Officer Michalis Tsarbopoulosthis figure was 80% just a few years ago, and now -digital channel sales have reached 32% in the first quarter of 2025, surpassing the European average of the South (26%). “Within the year, Alpha Bank will have digitized all the daily transactions of its customers, who, except for a few exceptions, will not have to visit a shop for some work.”Mr. Tsarbopoulos noted.

The invisible partner

“The bank is trying to become an invisible partner in any digital customer experience. To provide trade not just easy but smart and human »said the Yiannos Ioannidis, Chief of Alpha Bank’s Retail Banking Products, speaking in the same forum. The trend is clear: digitization is not just about young people or “technologically mature”. As Mr. Ioannides pointed out, “E-commerce is a polygenic habit. Digital customer is not age – has expectations ». With this in mind, Alpha Bank designs digital trips that prioritize safety, speed and experience.

At the heart of this strategy is the prevention of digital fraud, which is, according to Mr. Ioannides, a key priority: “The keyword is prevention. We are constantly investing in systems and partnerships – as with Visa – to provide security without sacrificing customer experience. “

Digital transformation does not stop transactions: it extends to the way banks are organized internally and how they develop ecosystems of partners. As Mr Tsarbopoulos said, Alpha Bank works with a technological colossus from the US, which, on the occasion of its relations with the bank, set up permanent offices in Greece. He also worked with startup moveo.ai to launch the digital assistant. Greece, according to Alpha Bank, has the ability to turn into a regional know -how, utilizing its innovation, dynamics of education and digital maturation.