Komerční Banka Achieves 360° Customer Journey Tracking Without Compromising Data Governance

KB case study

The Impact

400M+

events processed monthly

95%

interactions tracked in real-time

Compliant

secure, customer-centric digital analytics practice

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With the goal of modernizing its infrastructure and services, KB needed to migrate from outdated core banking systems and decades-old legacy technologies to a new infrastructure built on both physical servers and cutting-edge technologies like Kubernetes.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.

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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

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 that the solution could be implemented without duplicating any part of KB’s existing infrastructure. This approach leveraged the best of both worlds: using KB’s existing big data warehouse and widely adopted Microsoft Power BI environment, while enhancing it with Meiro’s specialized capabilities in digital data collection, Kafka integration, native reverse-ETL, and most importantly, identity resolution. The latter plays a critical role in enabling KB to recognize and connect customer interactions across different touchpoints and disparate identifiers, providing the unified visibility necessary for accurate reporting and customer analytics.

Beyond the modular approach, Meiro’s composability extended to KB’s custom internal tools, including their Kubernetes-managed environment. The platform seamlessly integrates with secrets management systems
and ingress control tools, enabling KB to securely deploy Meiro within their existing tech stack.

💡 Meiro did not force KB to change or replace these tools but instead functioned harmoniously alongside them, ensuring scalability and continuity of KB's operational environment while maintaining security compliance.

Flexible SDK Deployment
to Avoid External Vulnerabilities

Meiro CDP’s SDK flexibility was a game-changer for KB, as the bank required different security levels for different touchpoints.
For public-facing websites, Meiro was able to deploy the SDK
in the standard manner, allowing seamless data collection.

However, for more secure environments like internet banking, Meiro provided KB with the option to embed the SDK directly
into their applications, ensuring that all code deployed was fully controlled and tested by the bank’s team. 

💡 This was done to mitigate 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

KB's digital services involved capturing data from a wide array
of touchpoints, including the public web, internet banking,
and mobile apps. Meiro collects, unifies, and enriches this data, optimizing it for storage, and pushes the enriched data into KB’s big data platform for further analysis and visualization via Power BI.

💡 With unified and enriched data available in Power BI, KB’s decision-makers can now get detailed, actionable insights into user behavior, improve reporting, and optimize customer journeys.

Tracking Consent & Non-Consent Data in Compliance with GDPR

KB needed a solution that could track both consented and non-consented users, especially as GDPR compliance required handling both types of data differently. Meiro adapted its SDK to allow
for differentiated data collection based on user consent, ensuring that consent was managed properly and data was anonymized when necessary, to ensure compliance with GDPR guidelines
and European court rulings on non-consent data usage.

💡 This flexibility ensured that KB could still gain valuable insights from non-consented users while maintaining privacy standards.

From Digital Analytics to Full Customer Data Platform Suite

The next stage of Meiro’s partnership with KB focuses
on expanding from analytics and identity resolution to full CDP capability deployment. This includes integration with campaign management tools 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.

Impact:

Meiro allowed KB to track 95% of all interactions in real-time across devices and sessions, improving the bank's ability to respond quickly to customer needs.

Meiro processes 400 million events monthly across all channels, providing KB with rich, actionable data for business analysis.

Meiro helped KB establish a compliant, secure, and transparent customer-centric digital analytics practice, ensuring trust and adherence to regulatory expectations while continuing to deliver value through data.

Meiro collects and unifies data across four key digital environments — kb.cz (public website), CAAS (authentication layer for secure access), internet banking, and the mobile app — giving KB a comprehensive view
of customer journeys, including critical steps like login and session handover.

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