MBank And The Future Of Responsive Banking


I’m not a huge fan of banks, but when senior director Michal Panowicz approached me about mBank, my interest was piqued. How could a banking spin-off of BRE Bank and founded in 2000 create one of the coolest, most high-tech banking experiences I’ve seen? The more important question, however, was how could a Polish bank beat the big guys — the Chases, the Citibanks, and the Credit Suisses of the world — to the punch in terms of improved user experience and unique features?

In short, a small group of programmers and finance guys in Warsaw, Poland, did what the rest of the world couldn’t. And, more importantly, they were quite successful.

MBank, in its current incarnation, is very nearly a startup. While they still get some funding from their parent organization, mBank was designed to be a greenfield operation and work independently from the staid old banks that…

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