About Komerční Banka (KB)
Komerční Banka (KB), one of the market leaders in retail banking in the Czech Republic and a part of the Société Générale Group, has been undergoing a substantial digital transformation.
With the goal of modernizing its infrastructure and services, KB needed to migrate from outdated core banking systems and decades-old legacy technologies to a new infrastructure built on both physical servers and cutting-edge technologies like Kubernetes. As part of its transition to a digital-first banking model, KB rolled out a new web-based internet banking portal, a fully revamped main internet banking (IB) application, and a feature-rich mobile app.
These digital touchpoints are central to KB’s vision of offering seamless, anytime-anywhere banking services at the fingertips of its customers, moving away from a traditional branch-centric approach to one that prioritizes digital convenience.
KB's Challenges
With digital transformation underway, the bank needed a solution to track and analyze customer journeys across digital touchpoints—while keeping sensitive data in its own infrastructure and ensuring full compliance with privacy regulations.
KB's digital services involve intricate client onboarding processes across multiple devices and services, including loan applications and account migrations. The challenge involved unifying tracking across the public web, secure login zones (internet banking), and mobile applications.
KB needed an analytics solution that could capture and help analyze these journeys in their entirety while maintaining the highest levels of data security and compliance.
The bank's regulatory environment mandates full customer data control within its own infrastructure. Cloud-based solutions were unacceptable due to privacy constraints. Retaining sensitive customer data under internal control was essential for governance and public trust.
Full in-house governance reduces risk exposure and reinforces public trust in KB's approach to data stewardship.
KB had invested heavily in Kubernetes orchestration, Apache Kafka streaming, custom ingress controllers, and secrets management tools. Any new solution needed to integrate seamlessly with these systems while maintaining security and scalability.
Vendor-managed SaaS solutions simply wouldn't suffice due to the need for tight security, local infrastructure control, and strict regulatory compliance.
Solutions delivered by Meiro
On-Premise Deployment for Data Security & Control
Meiro's on-premise deployment was a critical differentiator for KB. The bank required a solution that could run on KB's physical servers using its Kubernetes-managed infrastructure — something that alternative vendors could not deliver.
💡 By deploying Meiro CDP on-premise, KB ensured that all data remained within its own environment, helping to maintain compliance with local data privacy regulations and protecting sensitive customer data.
Composable Implementation & Seamless Integration with Internal Tools
Meiro's composable design meant the solution could be implemented without duplicating any part of KB's existing infrastructure — leveraging KB's big data warehouse and Microsoft Power BI while adding digital data collection, Kafka integration, native reverse-ETL, and identity resolution.
💡 Meiro did not force KB to replace any tools but instead functioned harmoniously alongside them, ensuring scalability and continuity while maintaining security compliance.
Flexible SDK Deployment to Avoid External Vulnerabilities
For public-facing websites, Meiro deployed the SDK in the standard manner. For secure environments like internet banking, Meiro embedded the SDK directly into KB's applications, ensuring all deployed code was fully controlled and tested by the bank's team.
💡 This mitigated security risks such as supply chain attacks, allowing the bank to remain compliant with regulatory standards governing sensitive customer data.
End-to-End Data Collection & Processing
Meiro collects, unifies, and enriches data from the public web, internet banking, and mobile apps — pushing enriched data into KB's big data platform for visualization via Power BI.
💡 With unified data in Power BI, KB's decision-makers now get detailed, actionable insights into user behavior, improve reporting, and optimize customer journeys.
Tracking Consent & Non-Consent Data in Compliance with GDPR
Meiro adapted its SDK to allow differentiated data collection based on user consent, ensuring data was anonymized when necessary under GDPR guidelines and European court rulings.
💡 This flexibility ensured KB could still gain valuable insights from non-consented users while maintaining privacy standards.
From Digital Analytics to Full Customer Data Platform Suite
The partnership expanded from analytics and identity resolution toward full CDP capability deployment, including campaign management integration to power hyper-personalized marketing at scale.
💡 By aligning data insights with real-time activation, KB will be equipped to drive more relevant, context-aware communication across all customer channels.
“Meiro helped KB implement a fully on-premise digital analytics solution in a highly regulated environment. On top of that, Meiro provided customizations that major players in the digital analytics market simply don’t offer. The crème de la crème of our cooperation is that we also use their core product, Meiro CDP, which drives KB’s digital business growth. All in one.”
— Vit Panik, Digital Analytics Product Owner