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Bank Pekao 2

Bank Pekao



Pharma & biotech

The development and improvement of pharmaceutical products is a constant process. There are numerous areas where technology can provide automation, greater insights or a faster, optimized process.

• Human medicinal products. From novel drugs, small molecules, advanced therapy products and the wider range of biologics, the biotech area has plenty of room to expand.
• Value-added generics. A common occurrence in the pharmaceutical industry, enabling generics will help diversify the market and provide affordable solutions.
• Novel indications for known substances. Vital for translational pharmaceutical development, technology can help better identify the additional uses of existing drugs and molecules.
• Biosimilars and biobetters. The pharmaceutical sector is still competitive and better data and AI can help in identifying biosimilars and even find potentially better alternatives to develop.
• Drug discovery and development. An information-heavy process, technology can help in streamlining the process and generating full insights at every step.
• New therapeutic targets. Finding new solutions and uses in the therapeutic sector can help in expanding the range of biotech and pharmaceutical treatments available.
• API manufacturing technologies. With full integration, every step of the manufacturing process can be controlled, optimized and holistically connected.
• Drug delivery and dosage forms. There’s always a need to better refine and control dosage and delivery mechanisms to better help the end patient.
• Patient compliance improvements. Simplification can help in ensuring patients don’t get confused and misfollow dosage instructions.

Medical devices

Alongside drugs, there are many other ways digital products can help patients relieve their symptoms and improve their health.

• Digital therapeutics. Wearable or household technologies that can assist individuals in daily medical care and treatment deliveries.
• Diagnostic imaging. Alongside other modalities, technology can help in the imaging and diagnostic process, helping users better understand and monitor their own conditions.
• Point of Care for in vitro diagnostics. The ability to rapidly take and test blood samples will help in providing patients faster answers and, thus, more immediate treatment.
• Actionable biomarkers. Automating or otherwise improving the process for finding known markers will aid in the swift, proactive delivery of treatment for preventable symptoms or diseases.

Digital health

With digital technology, there are many more ways we can help patients both before, during and after their medical issues.

• Patient compliance. Technology can assist in the simplification of processes, or even eliminating them altogether, removing areas for human error.
• Complication monitoring. Active monitoring can identify adverse events at the earliest stages, greatly improving the overall quality of care.
• Telemedicine. A rapidly expanding sector, these technologies enable patients to get everything from a consultation to a diagnosis and treatment remotely.
• Medical simulation. New tools and solutions can better help in training, testing and researching in digital space.
• Med-Tech sensors. Software aside, new sensors can improve our ability to take medical readings and in turn expand the applicability and scale of medical devices.


In foodtech, technology can aid in the specialization of nutritional and dietary supplements.

• Carbon capture and utilization technologies. The chemical industry uses numerous resources, and carbon capture solutions will be necessary in reducing the resulting emissions.
• Low-temperature heat management. Similarly, managing heating processes without increasing the resulting water temperature is also a must.
• Supply tracking and tracing. With chemicals and materials coming from many places, the need to manage these resources is vital for daily operations.
• Precise fertilization. With advanced technologies, greater control can lead to minimum wastage and the most effective results.
• Modern employee tools. The chemical industry faces the challenge of communicating with production workers working in plants, but has the opportunity to implement new solutions and referral systems to both satisfy existing staff and grow the company.

Biogas Plants

• Yield and efficiency improvements. Technology that can analyze and improve the biogas production process will aid in making plants more and more efficient.
• Stable production. Biogas can be produced from numerous different source materials and this can require economically justifiable technologies for pretreating ‘difficult substrates’ such as those that require grinding, therma-pressure treatment or the removal of contaminants.
• Automization. From collecting source materials to the final fermentation process, how much of biogas production can be streamlined and automated?
• Biogas impact. Technology can also aid in reducing the impact biogas plants have on their local environment through odor neutralization and appropriate storage methods for odorous substrates overall.
• Supporting local farms. With droughts and other issues, can technology bridge the gap between agriculture and biogas heat usage.
• Warehouse storage. A more effective approach to storing biogas substrates will optimize warehouse space, saving time and other resources.

Solar and wind farms

• New materials and technologies. We’re always looking for new solutions to generate energy from solar sources.
• Improved efficiency. Likewise, new technology can aid in improving the effectiveness of existing energy generation methods, and other operational factors in using solar cells.
• Reliability. Solar inverters and other solutions can also improve the overall efficiency and usability of photovoltaic systems.
• Predictive maintenance. Wind farms often need repairing, and predictive AI can provide cost efficient processes with minimal disruption to energy production.

Energy Market

• Savings. From smart and remote metering to implementing an entire smart grids, technology can help make energy consumption as cost efficient as possible.
• Automated meter reading. An area still often done manually, automation and Advanced Metering Infrastructure can bring smart utility management to the electricity, gas, heating and water utilities sector.
• Process optimization. The generation, storage, trading and distribution of both electricity and heat can be analyzed and improved at every step with the right solutions.
• AI management systems. Likewise, machine learning and big data can aid in the management of biogas, wind, and other energy sources, making them efficient across all parameters.
• Self-learning software. When it comes to providing security across industrial networks and individual workstations or devices, a self-efficient, evolving system will provide greater control across such a distributed network.
• Micro mobility and electric vehicles. Transportation, whether for long or short trips, running on greener energy sources will better serve the greater public.
• Microgrids and energy storage. Self-sufficient systems can help individual buildings or complexes in managing their own production and staying carbon-neutral.
• Production forecasting. With AI and machine learning, energy demands can be anticipated, adjusting renewable energy production and prices to match.

Smart City solutions

• Telecommunications. Can IT solutions aid communication and help companies become more efficient?
• Strategic city management. With added data-based insights, technology can also help city’s better manage their various operations.
• Administrative support. Technology also has a role to play in the administrative process, especially when it comes to making cities smart.
• More efficient utilization. Many public spaces, such as parking lots and public squares, can be better managed for the benefit of the city. Reservation systems are just one example.
• Road usage diagnosis. Innovative technology can help us examine road space and diagnosis the most appropriate decisions and actions.
• Economy sharing. Smart city solutions and apps can help companies and institutions share resources for cost-efficient results.
• Residents and sustainability. Can we help residents live more sustainable lives with new ICT platforms?
• Knowledge management. Similarly, new e-services and online tools can help in building and maintaining knowledge in this area.
• Building automation. With smart software, optimal energy management and other improvements can be introduced to every new construction.
• IoT & energy consumption. Can technology and the wider IoT help us in lowering consumption and costs, leading to better quality of life?
• Advanced sensors. With wireless communication, can we collect more data via advanced sensors?
• Data technologies New solutions will also be needed to efficiently collect, store and process the insights gathered.
• Plant and insect ecosystems. Wildlife is important in cities, so technology that can support these ecosystems in urban spaces will be of great help.


• Electronic communication. How can new technology such as e-prescriptions, e-diagnosis tools and the wider world of telemedicine be effective introduced to patients?
• Citizen health and welfare. Electronic platforms have plenty of potential to gather data, exchange information with patients via machine learning and more, helping to optimize individual health greatly.
• Automated communication. Can mobile and digital solutions enable patients to better talk and get support from their health facilities?
• Diagnosis and drug distribution. Automation stands to improve much of these manual processes, providing faster and more efficient results.
• Medical data. New technology can securely aid in storing, managing and distributing medical information.
• Deployable support in lockdown situations. During pandemics and other events, technology is needed to provide swift, effective solutions during lockdowns, when traditional approaches aren’t viable.
• Elderly-focused services. Technology can help elderly citizens to live better lives, by providing long term solutions with remote applications.
• Scalable health care. As adults get older, new solutions can adapt and grow with their needs.
• Chronic disease treatment. For frequent illnesses, more effective solutions will be more affordable and cost-effective in the long run.
• Monitoring systems. Both the elderly and the chronically ill can benefit from constant monitoring of key health parameters to aid in their quality of life.
• Genome-based solutions. With more genetic-level knowledge, can use technology to move towards more personalized medicines and treatments?


• Open-source intelligence. With more and more public data available, can we develop Open source intelligence software and techniques (OSINT) to aid in security?
• Identity management. Authenticating individuals and their respective access is essential for ensuring security, especially in regards to data privacy.
• Infrastructure security. Infrastructure hardening solutions can ensure every point in the system is secure, eliminating weak links.
• Data management. Better security in regards to data access, management and monitoring will help keep information as secure as possible.
• IoT security discovery. The growing range of internet devices creates a new area for security detection and proactive education.
• IoT security management. These devices also require a scalable, effective solution to manage and implement security features.
• KYC processes. Many sectors have an imperative need to Know Your Customer (KYC), and technologies like automation, face recognition and biometrics stand to add additional layers of security and validation.
• Cloud security. With more and more infrastructure moving to private and public clouds, there’s a growing need for platform agnostic security solution.
• Cloud migration and service orchestration. For those looking for multi-platform solutions, there’s a further need for better migration and service solutions.
• Information prioritization. Technologies like AI can help prioritize incoming sources, helping in the efficient handling of urgent news.
• SOC process optimization. AI can also help test existing security operations against the best-in-class to constantly improve internal solutions.

Quantum cryptography and quantum computing

Quantum computing has been rumoured for a few years now; we’re ready to see some critical applications in action. Specifically, the vast potential of quantum cryptography can usher in the next stage in secure communications.

Machine Learning, Deep Learning & AI

• Voice recognition. With a better ability to understand vocal sounds, we can implement voice data classification and recognition systems.
• Free text data analysis. The ability to read volumes of raw text and classify the data held within will enable AI solutions to operate with even more information.
• Image and streaming processing. With advanced image and data recognition, the ability to process images and gain insights will also help AI and machine learning to do even more.
• Data modelling and classification. From finance trends and predictive maintenance to energy forecasts, there are plenty of opportunities for data modelling to shine.
• Environmental perception. With AI and machine learning, behavioural modelling can also help us understand how individuals view situations.
• Time series based analysis. A more efficient analysis of time-based data sets will also help in modelling and classification.
• Data conversion into text data. The ability to convert data types into formattable text will aid in classification and allow systems to work with a wider range of information.
• Fact analysis. By helping machines to analyse facts, we can begin to predict the possible resolutions of administrative proceedings.


• Drones and automation. The increasing availability of drone technology gives businesses the ability to better automate a range of processes.
• Microsensors and optics. Smaller sensors are easier to fit and can introduce data collection to entirely new areas, especially with optical solutions.
• Edge computing. By steering traffic and data flow towards edge server locations, we can make processes and reactions as fast as possible.
• Time-series edge processing. Likewise, combing edge computing with time-series data will allow for the fastest and most reactive solutions.

Blockchain technologies

• Payment areas. Giving users better and simpler means to pay will help connect the wider payment and banking industry with blockchain.
• Smart contracts. We’re also looking for the best practical use cases for smart contracts, showcasing situations where their benefits really stand out.
• Blockchain networks. Likewise, blockchain networks have lots of uses in various industries, such as fintech, energytech and healthcare. We’re looking for the best practical use cases.
• Distributed apps. Where else can distributed networking shine? What are the next apps to run on such technology?

Smart payments

• Innovative cashless payments. With PSD2, cryptocurrency and biometric payment systems, we’re looking for the next new cashless payment solutions, or most impactful improvements to existing options.
• Security. Cryptocurrency is often seed as a secure value carrier, but we’re also looking for solutions that increase the security of transactions through smart contracts and other electronic money circulation processes.
• Mobile payment solutions. Cashless payments and mobile go hand in hand, but we also need to be highly secure, especially in regards to acceptance.
• Payment system universalization. How can we introduce a payment system to benefit an entire community? We’re looking for seamless solutions that use the likes of beacons, context-based options and pay-by-token solutions.
• Smart payments models. We’re also seeking the next secure smart payment system that still offers universal access.
• Terminal software. Whether it’s an android device or a PoS terminal, there’s a need for new payment software to keep up with the new innovations.

Retail and hospitality

• Smart software systems. How can we introduce, or even improve existing solutions with, smart and innovative software?
• Improved hardware. Alongside software, new hardware such as cash registers, PoS systems and autonomous self-service technologies can enable new store and service concepts.


Fintech (including Insurtech) – solution based on big data processing, covering digital distribution and customer service channels, new interactions with clients.

Big Data

The fintech world is always looking for better big data processing to help with everything from digital distribution to interacting with clients and the wider customer service channels.

• Advanced pricing methods. We want to see how the many forms of big data, such as behavioral analysis, can help companies adapt their pricing.
• Cross-selling initiatives. With more data, can we use insights to better sell to the same customers and clients?
• Customer loyalty and engagement. Can big data help us discover why customers engage with us, and use this knowledge to ensure their continued support?
• Incident predictions. The insurtech space in particular is looking for new data insights to help predict potential incidents to better help their coverage policies.
• Better business management and process efficiency. With more information, we want to implement improvements to all areas of management and operation.

Digital service channels and process digitalisation

Insurance processes are in dire need of an upgrade. Still often relying on analogue means, we’re looking for solutions to bring the industry to a digital standard.

• Digitalizing and automating processes. With the right technology, lengthy manual work can not only be more efficient, but much faster.
• Self-service processes. Automation can also be used to enable the customer through self-explanatory systems.
• Sales process simplification. Can this technology also be used to streamline the complex sales process before every policy? We want to see it.
• Secure authentication. Insurance still relies on documentation. How can we digitalize this to be even more secure when authenticating files and people alike?
• Alternative distribution channels. With digitalization, we are open to finding new channels alongside writers, wholesalers, agencies and brokers.
• Supporting car drivers in daily life. By bringing elements of the digital world to drivers, we can improve their education, car servicing, overall safety and more.
• Improved efficiency. When we integrate big data with digitalized processes, we open the insurance world to even greater levels of effectiveness.
• Employee retention and recruitment. Another key area where automated, digital processes can provide a faster and more effective answer.

New interactions

Digitalization, big data and integrations also enable insurance companies to make use of entire new channels and interactions with both existing and new customers.

• Evolving needs. As the requirements from individuals and businesses alike change, the need for adaptive, tailored digital solutions only grows.
• Addressing new market segments. Can Fintech use digitalized to reach new audiences, establish new relations across entirely new touchpoints.
• Additional services. Fintech and insurtech can both use digital channels and platforms to provide entire new offers and products.
• Proactive insurance. Can data and digitalization even help prevent incidents in the first place through advanced analytics?

Telemedicine and Telecare

Recent events have only pushed the need for remote healthcare. Digital technology is now in a position to support patients and doctors, even when they’re not in the same room.

• Remote and self-diagnostics. Can we enable patients to work with diagnostic tools on their own? Doing so can make the interactions between doctor and patient all the more effective.
• Remote disease prevention and treatment. With enough information, AI can prevent future outbreaks and respond rapidly with treatments when the worst does happen.
• Remote patient monitoring. For those with chronic diseases, remote telecare can meet their needs without restricting them to hospitals or healthcare facilities.
• New distribution channels. Are there more ways to reach patients remotely and make telemedicine services even more accessible?
• Better diagnostics. Once digitalized, can we make the diagnosis process simpler, faster and more efficient overall?

Medical Center Care:

There will still be times when people need to visit medical centers, and technology still has a strong role to play in improving the quality and effectiveness of this process.

• Boosting service quality. With AI, automation and more digital potential, what’s the next step in improving the overall service quality of our medical centers?
• Staff enablement. What tools can we introduce to better help our doctors and medical staff in aiding patients more effectively?
• Diagnostic improvements. Such data and AI solutions can also be used to improve the diagnostic and wider patient service process.
• Daily healthcare needs. Digital solutions can also support our patients in enabling their own daily healthcare, improving their overall condition as a result.
• Stress management. Patients can often feel scared or stressed during the medical service process. How we can help relieve or otherwise react to this?


We are looking for highly scalable telehealth solutions to improve every step of the treatment process.

• Improved self-diagnostics. With a greater emphasis on remote usability, technology can help enable telehealth to do more for patients.
• Remote patient monitoring. For those with chronic disease or recurring injuries, advanced solutions can aid them in remote monitoring and treatment, preventing in-person visits as much as possible.
• Elderly needs. Older patients often have more complicated needs. Technology can help anticipate, adapt and react more, improving their overall condition more rapidly.
• Improved diagnosis and therapy. Both processes can be made faster and simpler. Doing so wouldn’t only be more efficient; it would also be much less stressful for patients.
• AI diagnosis and treatment. With enough information, AI can help in making informed decisions to aid patients.

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ESG: Carbon footprint

Companies have a desire to control their carbon footprint but often lack the finesse to accurately measure, control and eliminate it.

• Digital carbon footprint solutions. Digital tools can help improve or provide entire new means for measuring, limiting and offsetting carbon footprints.
• Data Analytics. Technologies and solutions based on analytical insights, such as spending behaviours.
• Digital advisory functionalities. Advanced solutions using the likes of AI can support the pursuit towards climate neutrality.
• Raising ecological awareness. Technology can help spread the message through banking products and functionalities

ESG: Impact investing

Technology that brings ESG considerations to the earliest stage of business – investing – will be essential for companies looking to be fully ecological and sustainable.

• Environment and society. Solutions that enable the financing of projects that bring positive environmental and social impacts will better help us all.
• Carbon footprint offsetting. new solutions or offers that potentially offset carbon footprints will be a huge gain.
• Integrated investment processes. Specifically, bringing ESG goals into the investment process for better collaboration and alignment of objectives.

ESG: Cybersecurity

Companies and individuals alike also need to be careful when interacting online, as this is a prime area for exploitation.

• Cyberspace. Technologies that provide clients with greater control over their presence in the digital world will provide a great boon.
• Awareness building. Cybersecurity requires a lot of education, so solutions that raise this awareness will also greatly help.

ESG: Financial management and financial health technologies

Finances are typically complicated and this gets in the way of financial health. Technologies that can simplify, streamline or even automated key areas will provide an immediate benefit.

• Advanced monitoring. Solutions that actively monitor financial conditions and spending behaviours can better enable users to control their financial health.
• Data-Driven Business. To make the best financial decisions, organizations need access to advanced data tools to provide the required insights.

Payments: International money transfer

Both businesses and individuals alike need a safe way to transfer digital money across the real world, legal barriers between countries. Solutions that do this appropriately, but also quickly and securely, can help transform a key area of the finance sector.

Operations: Verification and signing of documents

Digital documents still need to be signed, and such verification still needs to be authorized in a secure way. Tools that enable given people to sign documents with optimal signature paths will greatly help companies in their daily efforts.

VaS: Smart payments

Cash and cheque payments are becoming a thing of the past. From banks and businesses to individual customers, digital payments represent an important area of daily life that is on the verge of complete innovation.

• Smart payments. Customers require more and more advanced tools and solutions that can facilitate online and contactless payments will help a great deal.
• Solutions for kids and teens. Younger customers also require tools to introduce them to finances, using gamification and modern techniques to better educate them.
• Subscription management tools. Retail bank customers require better means to manage their subscriptions and respective payments.
• Cash flow managers. Small and medium-sized companies need effective, streamlined tools to more easily manage their cash flow.
• E-governance services. Even the public sector has a need to digitize and optimize much of its payment processes.


The workforce of the future

• We’re looking for new ways to respond to the challenges and changes in the labour market. From a growing gig economy and the rise of workforce automation to the need for new management systems, the world of employment has changed.

Innovative city ecosystems

• We’re looking for solutions related to mobility, sustainable development, commercial services and more! Do you have a solution that can bring physical and digital elements together for the good of the city?

Alternative proteins for food production

• Alternative proteins for food production. Do you have the answer for food development without reliance on meat or fish-based proteins?

Plastic alternatives for packaging materials

• Plastic alternatives for packaging materials in quick-serve meals. Food that’s ready to eat or ready to heat often uses plastic materials. We’re asking startups to introduce new, recyclable or compostable answers that better support the idea of circularity and recycling.

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