8 4 THE PRINCIPLES OF PROGRESS OFFERING TAILORED SOLUTIONS BASED ON CONVENIENCE EXPERTISE AND TRUST The new banking approach must therefore be underlined by three core tenets convenience trust and expertise This will inevitably lead to a holistic approach based on state of the art technology in all services offered by banks The aim is to provide web based portals and IT solutions that can be fully embedded in a corporate s value chain responding to their needs with relevant services at any time It follows that there is no one size fits all solution Of course corporates are incredibly varied in terms of size industry risk perception and financing requirements To address these needs banks must build comprehensive toolboxes from which single pieces can be combined to create new unique offerings depending on the client s needs In this respect UniCredit is a step ahead of the competition Through digitalization automated and digitalized products can work to deliver these services in more efficient ways One example is the Bank Payment Obligation BPO an innovative digital settlement instrument

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