CaixaBank is leveraging artificial intelligence and advanced digital solutions to foster innovation and expand its global reach.
Recent initiatives—its AI-driven transformation and the launch of HolaBank Connecta—highlight the bank’s commitment to integrating technology with customer-centric services, positioning it as a key player in Spain’s economic evolution.
CaixaBank’s focus on AI and computing is at the core of its strategy to transform the Spanish entrepreneurial landscape.
The bank has launched the Cosmos project, a €5 billion strategic plan that integrates conversational and operational AI to enhance employee efficiency and customer experience.
By automating routine tasks and streamlining business processes, Cosmos allows banking professionals to focus on high-value activities, such as personalized financial advisory services.
The initiative also emphasizes real-time data analytics and cloud computing, enabling faster, data-driven decision-making.
CaixaBank’s AI efforts build on its GalaxIA project, which deployed generative AI use cases like employee assistants, customer service chatbots, and code generation, scaling these solutions across the organization.
With over 100 AI and cloud specialists working in collaboration with CaixaBank Tech, the bank’s technology subsidiary, CaixaBank is enhancing internal operations and setting a benchmark for technological adoption in the financial sector.
This aligns with its broader agenda, which includes exploring blockchain, quantum computing, and the digital Euro, ensuring it remains a global provider of improved banking experiences.
Complementing its AI-driven transformation, CaixaBank has introduced HolaBank Connecta, a remote service model designed to engage over 160,000 international customers, particularly those involved in Spain’s real estate market.
Launched on July 21, 2025, HolaBank Connecta integrates advanced technologies like video calls, secure digital walls, and co-browsing to provide multilingual support in 14 languages, catering to 19 nationalities.
This initiative responds to the 100,000 property transactions by foreigners in Spain last year, offering financial solutions for digital nomads, expatriates, and investors.
With two remote service centers in Málaga and Alicante staffed by over 30 specialized managers, HolaBank Connecta combines personalization with technological efficiency, reinforcing CaixaBank’s omnichannel approach.
The program also builds on HolaBank’s existing network of 350 branches, which grew by 20% in 2024, and its €5 billion mortgage portfolio, which saw an 11.6% increase last year.
The CaixaBankNow app, available in 20 languages, further enhances accessibility, allowing customers to manage finances, apply for mortgages, and access 24/7 support.
These initiatives reflect CaixaBank’s strategic vision, outlined in its 2025-2027 Strategic Plan, which prioritizes sustainable profitability, customer acquisition, and digital transformation.
By serving 20.5 million customers across over 4,100 branches in Spain and Portugal, the bank maintains the largest physical network in the region while advancing its digital capabilities.
HolaBank Connecta’s digital onboarding, which allows account openings and mortgage applications within 48 hours, underscores CaixaBank’s role in providing digital solutions.
This commitment to product development extends to sustainability, with reduced document processing times contributing to environmental efficiency.
The bank’s partnerships, such as with Google Cloud for AI and data analytics, amplify its ability to deliver efficient services.
CaixaBank’s focus on AI-driven internal transformation and customer-facing digital solutions like HolaBank Connecta positions it as a catalyst for Spain’s entrepreneurial ecosystem.
By enabling businesses with analytics and supporting international clients with financial tools, the bank is fostering economic growth and global integration.
As Spain’s real estate and tourism sectors continue to attract international interest, CaixaBank’s approach aims to ensure it remains a financial partner for a global clientele, driving technological and economic progress.