Unicaja Sets Bold Course with DXC Technology for a Digital Future
Spanish banking group Unicaja has signed a strategic 10-year partnership with DXC Technology to power its next phase of banking modernization.
This long-term alliance aims to reshape the bank’s operations with artificial intelligence, automation, and agile infrastructure integration.
According to Estrella Botas, Unicaja’s Head of Technology and Operations, the partnership moves the bank toward a smarter and more agile operating model.
From regulatory alignment to customer engagement, every transformation area will benefit from DXC’s global digital delivery capabilities.
Driving Transformation with Artificial Intelligence
The collaboration will heavily leverage artificial intelligence across key verticals like customer service, compliance monitoring, and internal operations.
This focus on automation and efficiency plays a central role in Unicaja’s 2025–2027 strategic roadmap for sustainable growth.
Through AI integration, the bank aims to enhance the customer journey while reducing human effort on repetitive back-office tasks.
Moreover, these changes will help increase the scalability of services without compromising compliance, speed, or user experience.
DXC to Acquire Unicaja’s Tech Subsidiary FK2
As part of the agreement, DXC Technology will acquire FK2, Unicaja’s banking technology subsidiary, pending approval from relevant authorities.
This move marks a significant strategic transfer of operational IT capabilities to DXC for better focus and delivery.
While the terms of the FK2 acquisition remain confidential, the intent is to consolidate key systems under DXC’s advanced delivery infrastructure.
This ensures operational continuity for Unicaja while improving scalability and cost-efficiency through the partner’s global service framework.
Enhancing Teams Without Replacing Them
Unicaja remains committed to its workforce as it navigates digital reinvention, ensuring technology complements rather than replaces existing teams.
Juan Medina, Unicaja’s Head of People and Legal, emphasized that current employees will remain central to the new operational model.
DXC’s AI-enabled tools are designed to support employee functions, automate routine tasks, and provide actionable insights in real time.
Therefore, while the model evolves, team members will play a more empowered role in strategy, customer engagement, and decision-making.
A Broader Vision for Banking Modernization
With over 4 million customers, Unicaja offers services such as savings accounts, Mastercard cards, insurance products, and mortgage lending.
Hence, this transformation ensures their offerings keep pace with changing user expectations and regulatory landscapes.
Earlier this year, Unicaja partnered with global fintech leader Fiserv to build robust omnichannel payment capabilities.
This included ecommerce tools, multi-currency support, and new point-of-sale infrastructure—underscoring a clear commitment to innovation.
Now, with DXC onboard, Unicaja plans to enhance back-end processes, automate manual workflows, and improve user-facing systems.
In this way, the banking modernization journey expands from consumer touchpoints to the very architecture driving everyday operations.
Why This Partnership Matters Now
European banks face mounting pressure to digitize operations, comply with evolving regulations, and offer seamless cross-channel experiences.
This 10-year deal is not just timely; it reflects strategic foresight in a banking market facing rapid disruption.
Furthermore, by choosing a partner with global tech and AI strength, Unicaja gains competitive agility without diluting brand ownership.
Importantly, the deal aligns with investor expectations, regulatory timelines, and customer needs—an often difficult balance for legacy institutions.
Reinventing the Core While Preserving Stability
Although modernization is often disruptive, Unicaja aims to maintain service continuity and stakeholder confidence throughout the transition.
With this alliance, DXC becomes the key executor of operational transformation while Unicaja retains strategic control.
Moreover, Unicaja’s prior investments in Fiserv-backed payments and now DXC-led AI infrastructure show a consistent path toward technology-first banking.
Thus, the banking modernization strategy appears not as an experiment, but as an orchestrated multi-year transformation plan.
Outlook for the Next Decade
As the European regulatory environment evolves, banks like Unicaja must constantly realign to remain relevant, compliant, and competitive.
The DXC partnership positions them to lead this change—not merely respond to it—with robust AI tools and adaptive tech stacks.
In the coming years, the combination of cloud automation, real-time analytics, and team empowerment will likely redefine Unicaja’s core operations.
And as more institutions pursue such digital overhauls, Unicaja may serve as a blueprint for sustainable banking modernization in Europe.