← State of Embedded Finance 2026

Rbi

Can a large Central and Eastern European universal bank modernize its multi-market core banking infrastructure fast enough to compete with digital-native challengers?

Founded1927
HQVienna, Austria
IndustryBank / National
The story

Raiffeisen Bank International is one of Austria's largest banks and a leading financial services group in Central and Eastern Europe (CEE), operating across 13 markets. The bank has been investing in digital transformation, most recently partnering with Intellect Design Arena for core banking and digital modernization. RBI's embedded finance strategy is centered on modernizing legacy infrastructure across its multi-market CEE footprint rather than launching standalone fintech products.

Last 12 months
2025-01
Product timeline
1927
Founded as part of the Raiffeisen banking group in Austria.· banking
2010
Raiffeisen Bank International AG established as a separate listed entity through the merger of Raiffeisen International Bank-Holding AG and RZB's core banking operations.· banking
2025
Selected Intellect Design Arena to power the next stage of its digital transformation agenda, per IBS Intelligence.· banking
Regulated entities
National Bank Charter
Austria (ECB/OeNB supervised) · 1927
Raiffeisen Bank International AG
The stack
Accounting gap: none