Technological innovationTechnological innovationTechnological innovationTechnological innovation is pursued mainly through MultiMultiMultiMulti----channel Bchannel Bchannel Bchannel Bankingankingankinganking,,,, which combines all direct channels available to individual and corporate customers (internet and mobile banking, the contact centre, self service channels - ATMs and kiosks – evolved payment systems, interbank corporate banking networks and POS terminals).