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Unicaja will deploy with NVIDIA and Deloitte conversational banking models based on Artificial Intelligence (AI), primarily generative AI. This deployment will be a strategic lever to transform processes and the relationships of customers and employees within the financial institution.
This initiative is part of Unicaja’s 2025–2027 Strategic Plan, which aims to facilitate interactions between customers, employees, and the bank through more agile, natural, and inclusive engagements.
Through this agreement, the bank will be able to extend the use of generative AI across the entire organization, with the goal that both customers and employees can interact using natural language, simplifying processes, driving operational efficiency, and improving the overall user experience.
Through this collaboration, Unicaja is advancing an AI sovereignty strategy that ensures autonomy and control over its artificial intelligence systems, while guaranteeing the privacy, security, and protection of customer data.
To this end, the bank is building a dedicated AI infrastructure powered by the accelerated computing performance of NVIDIA leading AI platform, enabling agile deployment of high-performance open-source LLMs through NVIDIA NIM microservices. This infrastructure serves as the cornerstone of the hybrid, modular architecture deployed at Unicaja in 2025, which combines in-house models with the power of commercial ones, consistently ensuring the most efficient and cost-effective solution for every business need.
As a result, the bank has an agile and scalable infrastructure to implement the conversational banking model in a responsible, ethical, and reliable manner, in compliance with European AI regulation and the highest security standards.
Unicaja thus reinforces its commitment to AI as a driver of transformation and improvement in customer and employee experience, continuing the plan launched in 2025. In recent months, it has put into production various use cases with conversational interfaces in areas such as insurance and mortgage sales, software development, support for legal processes, customer complaint management, and back-office process automation. These projects are delivering significant efficiency gains, with response time reductions ranging from 40% to 80%. Key to these achievements has been the use of the NVIDIA AI Enterprise software and tools such as NIM microservices, enabling generation of personalized responses while ensuring optimal performance, NVIDIA NeMo Guardrails and NVIDIA NeMo Evaluator to support the safe, ethical, and responsible adoption of generative AI in line with the new European AI regulation, and NVIDIA AI Blueprints, accelerators designed to expedite the development of AI‑enabled software.
All of this is framed within the development of Unicaja’s 2025–2027 Strategic Plan and its commitment to adopting advanced technologies that, on the one hand, enable the delivery of high-quality financial solutions tailored to the continuously evolving needs of its customers—who are at the center of its strategy—and, on the other hand, provide employees with tools that allow them to focus on improving the customer experience through more personalized, inclusive, and efficient service.
This development is carried out while ensuring, at all times, the safe, ethical, and responsible adoption of generative AI, meeting the highest standards of data protection and risk management, and complying with the new European regulation on artificial intelligence.
Deloitte Spain will play a key role in this transformation. As a strategic partner, it will contribute its integrated capabilities in areas such as banking, risk, regulation, human capital, AI, data, and technology, among others, as well as its experience in supporting large national and international companies in regulated sectors in the adoption of artificial intelligence, both at the strategic and operational levels. Furthermore, NVIDIA computing capabilities and software expertise will provide specialized support to facilitate and accelerate the adoption of the conversational banking model.
In short, this collaboration lays the foundations for Unicaja to consolidate its own conversational banking model—scalable and focused on delivering closer, more inclusive, and more personalized service—while driving efficiency and modernization across the organization.
“This agreement represents a decisive step in our transformation strategy to continue helping people prosper,” said Isidro Rubiales, CEO of Unicaja, adding that “the implementation of AI in our internal processes, with the support of NVIDIA and Deloitte, will allow us to move toward a more efficient, personalized banking model tailored to the needs of our customers and employees".
“For us, it is a source of pride to work with Unicaja and NVIDIA on the development of a new way of doing banking—a unique and pioneering project in the global banking sector to turn conversational banking into a tangible, efficient, and secure reality,” said Juan Pérez de Ayala, partner responsible for the financial industry at Deloitte Spain. “We bring our expert capabilities in areas such as business, risk, regulation, and technology so that this project drives improvements and agility in customer service, under a hybrid model that combines proprietary infrastructure and cloud solutions, fully aligned with the highest standards of ethics and security,” Pérez de Ayala concluded.
"Modern financial institutions face the dual challenge of managing complex, regulated data environments while meeting rising customer expectations for instant, personalized service,” said Jason Renders, Head of Financial Services, EMEA at NVIDIA. “By leveraging NVIDIA NIM microservices and NVIDIA NeMo within their own dedicated infrastructure, Unicaja can securely deploy high-performance generative AI that transforms routine banking into natural, inclusive conversations for both clients and employees”, Renders stated.
About Unicaja
Unicaja is one of the leading banks in the Spanish financial system and a listed company on the IBEX 35. It is, in fact, a reference institution in six autonomous communities—its regions of origin (Andalusia, Asturias, Cantabria, Castilla-La Mancha, Castilla y León, and Extremadura)—and has a significant presence throughout the entire national territory.
It is characterized by its universal banking model and sustainable business approach focused on retail banking, under prudent management of its commercial strategy and risk profile. Socially responsible in nature, the bank places quality, innovation, and digital transformation at the forefront, leveraging technology to enhance customer service and improve operational efficiency.
