Birkirkara, 4012,
Malta
APS Bank Technographics
Discover the latest software purchases and digital transformation initiatives being undertaken by APS Bank and its business and technology executives. Each quarter our research team identifies on-prem and cloud applications that are being used by the 400 APS Bank employees from the public (Press Releases, Customer References, Testimonials, Case Studies and Success Stories) and proprietary sources.
During our research, we have identified that APS Bank has purchased the following applications: BML Istisharat ICBS (Integrated Computerized Banking System) for Core Banking in 2015, EBO.ai for Chatbots and Conversational AI in 2023, Cisco Webex Meetings for Audio Video and Web Conferencing in 2020 and the related IT decision-makers and key stakeholders.
Our database provides customer insight and contextual information on which enterprise applications and software systems APS Bank is running and its propensity to invest more and deepen its relationship with BML Istisharat , EBO.ai , Cisco Systems or identify new suppliers as part of their overall Digital and IT transformation projects to stay competitive, fend off threats from disruptive forces, or comply with internal mandates to improve overall enterprise efficiency.
We have been analyzing APS Bank revenues, which have grown to $58.0 million in 2024, plus its IT budget and roadmap, cloud software purchases, aggregating massive amounts of data points that form the basis of our forecast assumptions for APS Bank intention to invest in emerging technologies such as AI, Machine Learning, IoT, Blockchain, Autonomous Database or in cloud-based ERP, HCM, CRM, EPM, Procurement or Treasury applications.
ERP Services and Operations
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
|---|---|---|---|---|---|---|---|---|
| BML Istisharat | Legacy | BML Istisharat ICBS (Integrated Computerized Banking System) | Core Banking | ERP Services and Operations | n/a | 2015 | 2016 |
In 2015, APS Bank began implementation of BML Istisharat ICBS Integrated Computerized Banking System in the Core Banking category. The project targeted modernization of branch operations, internet and mobile banking, and back office processing, with UAT and migration activities initiated in 2015 and a live production cutover completed in 2016.
BML Istisharat ICBS was configured to deliver core account processing, deposit and lending product servicing, transaction posting, and compliance reporting capabilities aligned to Core Banking functional workflows. The implementation emphasized digital channel enablement for internet banking and mobile banking while standardizing back office processing and product delivery logic across the bank.
The deployment used a hosted outsourced model, placing BML Istisharat ICBS into a managed infrastructure service rather than on premise hosting. Operational scope covered APS Bank operations across Malta, touching branch operations, retail digital channels, operations and compliance functions, with integration points focused on transaction flows and reporting feeds required by those departments.
Governance and rollout followed a phased approach driven by UAT and data migration cutover activities in 2015 and early 2016, incorporating staged validation of product setups and compliance reporting routines. The initiative delivered improved product delivery, strengthened compliance reporting and enhanced digital channel capability as stated by the bank.
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AI-Powered Application
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
|---|---|---|---|---|---|---|---|---|
| EBO.ai | Legacy | EBO.ai | Chatbots and Conversational AI | AI-Powered Application | n/a | 2023 | 2023 |
In 2023, APS Bank deployed EBO.ai to introduce a Virtual Agent branded AVA, leveraging Chatbots and Conversational AI to provide continuous customer engagement and automate common banking enquiries. The implementation emphasized 24/7 availability for customer-facing chat, with EBO.ai positioned as the primary conversational layer for immediate inquiry handling and lead capture.
The deployment implemented AVA as an automated query resolution engine and lead capture workflow, configured to handle routine retail banking questions and common finance inquiries. By H2 2023 AVA was autonomously handling approximately 80 percent of chat interactions and achieved a high goal completion rate, indicating effective intent recognition and fulfillment across configured conversational flows.
Operational scope focused on finance and customer service teams, specifically retail servicing and leads capture in Malta, with chat interactions covering in-hours and out-of-hours traffic. The project reduced wait times, recovered out-of-hours leads, and improved operational efficiency by shifting high-volume repetitive interactions to the virtual agent while preserving handoff paths to human agents for complex cases.
Rollout followed a phased operationalization through 2023, with ownership and governance aligned to APS Bank customer service and finance functions to manage conversational content and escalation rules. Ongoing tuning of intents and goal tracking supported the high completion rates reported in H2 2023, and EBO.ai served as the primary conversational automation platform for APS Bank within the Chatbots and Conversational AI category.
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Collaboration
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
|---|---|---|---|---|---|---|---|---|
| Cisco Systems | Legacy | Cisco Webex Meetings | Audio Video and Web Conferencing | Collaboration | n/a | 2020 | 2020 |
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Collaboration | Collaboration |
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2020 | 2020 |
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CRM
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
|---|---|---|---|---|---|---|---|---|
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Digital Advertising Platform | CRM |
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2013 | 2013 |
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Tag Management | CRM |
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2017 | 2017 |
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IaaS
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
|---|---|---|---|---|---|---|---|---|
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Application Hosting and Computing Services | IaaS |
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2020 | 2020 |
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Application Hosting and Computing Services | IaaS |
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2022 | 2022 |
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Cloud Storage | IaaS |
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2022 | 2022 |
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Content Delivery Network | IaaS |
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2022 | 2022 |
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Content Delivery Network | IaaS |
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2022 | 2022 |
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