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The BiOSBank project will develop a Smart Open Banking Platform, together with a new Smart ATM system and a Mobile Banking app, using disruptive technologies and cutting-edge techniques, not only to significantly reduce the costs of traditional banking, but also to facilitate a new closer and personalized interaction model with customers, adapted to new times and new technologies.



The platform will be the starting point for the development of a financial-technological ecosystem, which will facilitate the entry of other actors into the financial world. In other words, it will be a new banking platform that will incorporate all the new technologies needed to support this new banking model.

Our solution

The BiOSBank project will address research and experimental development tasks supported by the following technologies:
Distributed Ledger Technologies
Management of smart contracts, transactions, digital identity, etc.
Know Your Costumer
KYC management using Big Data and Artificial Intelligence for the detection of anomalies, customization, as well as for the accomplishment of more exhaustive analysis, etc.
Machine Learning
Predictive models for analysing the risk involved in granting credit to companies and individuals.
Incorporation of the digital signature, which will allow the bank to identify its customers through this mechanism. Biometric technologies will be incorporated into the identification system.


Google Cloud
Google machine learning
Big query

The project has been co-funded by the Ministry of Science Innovation and Universities and the Center for Industrial Technological Development (CDTI)

Location: Sevilla | Execution time: October 2018 to December 2020 | Budget: 2.339.965 €

Project number: EXP 00111858 / ITC-20181026
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