women with her mobile phone in hand

Digital innovation improves mobile banking for customers in Croatia


In Croatia, Zagrebačka banka has introduced several new digital innovations to make daily banking faster and more efficient for customers.

Within the m-Zaba app, innovations have included real-time notifications for incoming payments and a streamlined credit card application process. We also digitally migrated more than 50% of clients to contracted overdrafts – eliminating the need for physical branch visits – and unified four distinct overdraft processes into one cohesive system, accessible both in branch and on mobile.

Digital development is central to our business strategy and a priority for our clients. Consequently, over the past year, we have added a number of digital services, such as appointment scheduling, personal data renewal, video appointments, and the possibility to split payments into installments – all of which help them do what matters to them from the comfort of their home or office. These new services help us provide faster and easier support to our clients. For instance, a client who has entered the wrong PIN will now receive a clear instruction within seconds, telling where to look for the PIN within m-zaba. With all this, we remain committed to maintaining our position as market leader, tracking global trends and technological advances to ensure that our clients have access to the best possible banking experience.”

Slaven Rukavina

Member of the Management Board of Zagrebačka banka and Head of Retail

We are continuously improving our m-zaba app by integrating new, advanced features. Our updates are based on listening to the needs of our clients, and we are happy to note that clients increasingly rely on m-zaba to manage their daily financial needs – a sign that we are developing our mobile app in the right direction.”

Ivan Hećimović

Head of Alternative Channels of Zagrebačka banka

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