At the latest Market Briefing held on 3 July 2025, APS Bank management presented updates on the Bank’s ongoing technology transformation, highlighting the strong progress being made across several all aimed at improving customer experience, enhancing cybersecurity, and building a future-ready organisation.
Chief Technology Officer Jonathan Caruana led the session, supported by senior colleagues from Tech Infrastructure, Project Delivery and e-Channels. They gave an inside view of how the Bank is currently investing over €19 million in systems, data, automation, and digital channels, highlighting the innovations in instant payments, digital onboarding, and upgrades to the myAPS mobile and web platforms. The progress on automation, AI, and enhanced cybersecurity was also showcased, as were projects such as the new investments platform, 3D secure biometrics, and improved ATM features.
The briefing concluded with a live Q&A session, with the team engaging directly with the attendees and explaining how the Bank is evolving its technology in a responsible, secure, and inclusive way.
CEO Marcel Cassar stated: “Our significant investment in technology may not always be visible, but it crucially allows us to be more innovative, competitive, and efficient, helping us offer smarter customer experiences in a secure, safe and resilient way.”
