Cloud and Data SKB banka already uses Google Cloud Platform and Python, signaling a cloud-first posture. Opportunities exist to accelerate cloud-native modernization, build a scalable data lake, and deploy ML-based risk, fraud detection, and customer analytics with governance and cost optimization.

Security and Compliance The presence of QuoVadis indicates focus on PKI and secure credentials. Propose a comprehensive security and compliance program covering certificate lifecycle management, encryption, identity and access management, auditability, and streamlined e-signature workflows for digital banking.

Communications Enablement Mailgun usage shows emphasis on programmatic email delivery. Explore enhanced customer communications through transactional and marketing emails, improved deliverability, CRM integration, and automated onboarding and notifications to boost engagement.

Collaboration and Merger Post-merger branding and multi-location workforce call for robust collaboration and change management. Offer Microsoft Teams-centric collaboration governance, secure document sharing, onboarding workflows, and adoption training to accelerate integration.

Open Banking Partnerships With sizable revenue and a modern tech stack, SKB banka is positioned to explore partnerships and API-enabled services. Propose open banking APIs, fintech collaborations for payments, investments, and digital banking features to broaden offerings and revenue.