[GRI 103-1, GRI 103-2, GRI 103-3] The key to all the changes orchestrated by the Bank is client centricity and the concern it shows to offering the best quality user experience – attentively listening to clients, observing their preferences and testing services with them in the bank User Experience Lab. The solutions that have been rolled out are based on the latest technologies and offer an even more convenient method of taking advantage of banking and non-banking services.