Erste Bank is special for its approach to business, its employees, innovation and customer care. As it achieves top financial results over the years, it systematically invests in digital development, in order to ensure creativity and innovation in approaching clients. By monitoring the financial needs of citizens and lending to healthy, promising projects of companies and entrepreneurs that contribute to the growth of employment in the real system, the bank appropriately encourages the further development of the entire economy. In general, banks are working on the development of digitalization to facilitate the daily needs of customers, but Erste Bank has offered innovations that have improved the business, but also the customer experience. Only some of them were debit card with chip technology, unique 'Picture and Pay' service and practical and technologically advanced biometric login to mobile banking. Erste Bank has always set trends, so it was the first bank on the Croatian market to open an account on the social network Facebook. So she took a step forward and developed a successful internal "startup" Keks Pay application.