23-24 September 2017, Zagreb

Get ready to discover new ways of banking!

Join Novathon #withPBZ, a 24-hour innovative marathon to create cutting-edge applications for responsive, mobile and branch banking!

If you are a web designer, a developer, a marketing specialist or a university student in a related field, it’s your time to set free your creative spirit and help us kick-starting the development of new banking solutions!

Form teams, collaborate with recognized mentors and present your invention to acknowledges judges who will award the most promising ideas with great prizes.

Stay tuned and check back here often not to miss any new information about the event!

23 - 24
September 2017
HR-10000 Zagreb
Prilaz Baruna Filipovića 23
How to get there
First Place:
75.000 HRK
+1 co-creation day at the Visa Innovation Center (London)
Second Place:
37.000 HRK
(offered by Generali osiguranje d.d.)
+ 2 tickets for Finnovate Europe 2018 (London)
Third Place:
15.000 HRK
(offered by Visa)
More information about the prizes

The above mentioned amounts are gross of any tax, fee, contribution, levy, cost, duty, burden of any nature imposed to the winner, as well as to the awarding party in accordance with the applicable legislation.


Congratulations to the three winning teams of Novathon #withPBZ!

Let's Pay


Boris Tomaš - Denis Pavlović - David Ante Macan - Božidar Labaš - Mario Novoselec


Sasa Vuksic - Nikola Kumek - Jurica Martinčević Martinčević - Luka Mikolaj


Fabio Bottan - Cesare de Cal - Matteo Bombasini - Lorenzo Avello


Check out our media library and relive the best moments of the event!






Have a knack for solving challenges? Put yourself to the test in one of the topics below and help us creating a new killer application!

Smart Payments

  • Build appealing features which make payments fast, engaging and fun.
  • Meet the needs of today’s sharing economy, via social media usage, producing Person 2 Person and Person 2 Group solutions for payments.
  • Enhance the shopping experience by identifying possible one-stop-shop solutions that offer the same instant and efficient practice to the customers, regardless of whether they are online or on-site.

Digital Wealth Management

  • Develop financial advisory models that can be introduced and become a significant part of digital channels.
  • Build interesting and interactive features that can transform the investment area from plain numbers and titles into a comprehensive and engaging platform in order to improve the finances of customers.
  • Create a unique and personalized digital experience based on the needs of affluent customers.

Smart Branch

  • Reinvent the branches with innovative digital features that offer the customers an easy and exciting experience, making the branch as fun and smart as the digital channels are.
  • Help us creating and developing “signature” experiences and new sources of value for the customers that attend branches.
  • Develop digital tools that can assist branch personnel in their everyday job.

Bridge solution

  • Develop bridge solutions between the physical and the virtual world of finances.
  • Explore the world of video banking that can help customers performing transactions or completing a sales process.
  • Automate processes by maintaining the human touch. Define the best mix between natural language processing, semantic search or knowledge base and propose a right blend between channels through which banks can manage customer interactions.

Outside-in banking

  • Explore new ways of relationship with consumers, not only by offering standard products but also by delivering value at each step of the daily customer journey outside banking.
  • Inspire banks using all relevant data to impact customer behavior through habit pattern analysis and therefore to deliver a personalized digital experience with appropriate and relevant offers/products.
  • Reveal patterns that are relevant to customers and give them possibility to respond immediately through engaging actions.

Big financial data

  • Rely on a prepared big data set to implement innovative features
  • Use machine learning algorithms to offer a better user experience and better understanding of users' needs
  • Produce stunning data visualizations to engage people and to better support business decision makers


They will join us to inspire you and to help you exploiting your full potential.

Innovation Center of Intesa Sanpaolo

In 2014 Intesa Sanpaolo, one of the top banking groups in the euro zone and the leader in Italy in all business areas, established the Innovation Center as a hub of its initiatives related to the open innovation sector and appointed Maurizio Montagnese, the Group’s Chief Innovation Officer. The Innovation Center collaborates with several international Incubator and Accelerator programs, based in London, Singapore, Tel Aviv, New York and in other countries that are focused on fintech and innovation topics. Furthermore, Intesa Sanpaolo supports innovative startups through its Venture Capital Funds.

Read more

Preliminary program

23/09 day 1
  • 08:30 – 09:30 Registration
  • 09:30 – 10:00 Welcome speech
    Dinko Lucić (PBZ), Maurice Lisi (Intesa Sanpaolo)
  • 10:00 – 11:00 Briefing
  • 11:00 – 11:30 Team setup
  • 11:30 Start coding
  • 13:00 – 14:00 Lunch
  • 16:00 – 16:30 A sense of customer experience
    Biljana Radovic (Intesa Sanpaolo)
  • 16:30 – 17:00 Building apps with addiction
    Luisella Giani (Oracle)
  • 17:00 – 17:30 Digital Wealth Story
    Alessandro De Leonardis (Armundia)
  • 17:30 – 18:00 A new payment story
    Roi Ben Daniel (VISA)
  • 18:00 – 18:30 How to (hack) build a bank
    Robert Mihajlek (Asseco)
  • 18:30 – 19:00 Open banking platform
    Johannes Humbert (Figo)
  • 19:00 – 20:00 Dinner
  • 20:00 – 20:30 The new frontier of the user interface
    Luca Miccoli (Bitmama)
  • 20:30 – 21:00 PSD2 - Challenges & Opportunities
    Jordi Gascon (CA Technologies)
  • 21:00 – 21:30 Croatian Makers – Creating the culture of success
    Nenad Bakić
  • 21:30 -22:00 Deep learning with Apache Spark
    Petar Zečević (SV Group)
24/09 day 2
  • 00:30 – 01:30 Game competition
  • 01:30 – 07:00 Night coding
  • 07:00 – 07:30 Breakfast
  • 08:00 – 08:30 Team>Project
    Davor Čengija, Ivan Krnić (CROZ)
  • 08:30 – 09:00 Mobile Payments: Getting Ultrasonic
    Nir Palombo (Dov-e)
  • 09:00 – 09:30 Grooming a digital company
    Stjepan Pavlek (Koios)
  • 09:30 – 10:00 Digital Banking – Challenges and Opportunities
    Zoltan Szalai (Gemalto)
  • 10:00-10:30 The new frontier of the user interface
    Luca Miccoli (Bitmama)
  • 10:30 – 11:00 Innovation trends
    Gianni Cavallina, Stefania Vigna (Innovation Center of Intesa Sanpaolo)
  • 11:00 – 11:30 Creative projects with Micro:bit: smart piggy bank
    STEM Revolution -The Awards
  • 11:30 Stop coding
  • 11:30 – 12:15 Motivational speech
    Chris Skinner (The Finanser), Matteo Rizzi (Fintech Stage), Maurice Lisi (Intesa Sanpaolo)
  • 12:15 – 15:00 Pitch presentations
  • 15:00 – 15:30 Awards ceremony & Goodbye lunch

*Speaker will be announced soon.

  • Business partner

    Generali Visa
  • Development partner

    Fido microblink
  • Entertainment partner

  • Technological partner


Gold Partners

  • Asseco
  • Reply
  • Bitmama
  • Croz
  • Armundia
  • Neos
  • Evolva
  • Oracle
  • Koios
  • MojPosao
  • CA


  • TIS
  • SV Group
  • Gemalto
  • Elcom

Looking for accommodation for Novathon #withPBZ?

Choose the DoubleTree by Hilton Zagreb and turn your upcoming visit to Zagreb into a really unforgettable one!

To get a special rate for Novathon #withPBZ, book a room by sending the compiled reservation form to the hotel. You can download the reservation form here.

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We’re sorry, but the registration is now closed.

Thank you very much for your interest in Novathon #withPBZ. We hope to see you at the future editions of this event!