Send us Fan Mail

What does it take to reinvent a bank for the AI era? In this episode, we sit down with Johan Thijs, CEO of KBC Group, who shares how his background in applied mathematics and actuarial science shaped a bold, data-driven strategy for one of Europe’s leading financial institutions.

Johan explains how KBC’s virtual assistant, Kate, was designed to proactively solve customer problems, not just answer questions. The goal: zero hassle, zero friction, and instant solutions—like blocking a lost credit card and issuing a new one in minutes, all without human intervention. He demystifies the investment behind Kate, clarifying that the real cost lies in the infrastructure, not the AI itself, and shares how initial skepticism from staff gave way to widespread adoption as the benefits became clear. 

We challenge the common view that AI is just for back-office efficiency. Johan argues that starting with customer-facing solutions delivers the biggest impact, and that KBC’s approach—using AI first to drive sales and value—helped secure buy-in and measurable returns. He warns that Europe risks falling behind global tech giants unless it gets smarter about data sharing and regulation and stresses the importance of trust: KBC never sells customer data, using it only to personalize and anticipate needs. 

Johan also shares his optimism for the future, urging everyone to keep learning as AI reshapes cognitive work. He highlights KBC’s internal AI-powered training platform, Stipple, which helps staff match their skills to future roles. The episode closes with practical advice: focus on customer needs, adapt as technology evolves, and embrace the blend of human and machine intelligence. If you want to see how AI can transform not just processes but the entire customer experience, this conversation is essential for listening. 

Join us and listen to all episodes on www.pwc.be/aiunscripted