Client: A European-based commercial bank operates under a financial license granted by the regulatory authority of its home country. It is supervised by the national central bank and backed by a global private equity firm headquartered in New York. Currently, its services are tailored to individual clients. The bank leverages advanced fintech solutions, utilizing cloud-based IT infrastructure provided by a technology company based in Warsaw. Unlike traditional banks in the region, it adopts a subscription-based pricing model, where users pay a fixed monthly fee to access a range of financial services, including accounts, debit cards, global ATM withdrawals, currency exchange at interbank rates, savings accounts, and asset management. All services are accessible exclusively via a mobile app (available for Android and iOS) or through a web browser. The institution’s executive committee includes experienced professionals with backgrounds in banking and finance.