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Improving NPS by 14 points with a Croatian voice assistant for UniCredit


Financial services

Use Cases

  • Frequently asked questions
  • Natural language call routing
  • Croatian


Vedran Mrvica
Head of Contact Center,
Zagrebačka banka

Zagrebačka banka is owned by pan-European bank UniCredit and is the largest bank in Croatia, with over 1.3 million retail customers and 60,000 corporate clients.


25% call abandonment due to long wait times and complex IVR.


The first-ever Croatian-speaking enterprise voice assistant that routes callers using natural language and answers FAQs.


27% call reduction resulting in faster routing, fewer abandons and a 14 point NPS increase.



UniCredit was experiencing high call volumes, exacerbated by an outdated IVR system that was negatively impacting customer experience. Customers were spending up to two minutes navigating the IVR, followed by an additional 2-4 minute wait to connect with an agent. This led to a 25% call abandonment rate and constant pressure on agents due to long queues of callers. The IVR system, over 20 years old, had become increasingly complex and difficult to manage.

Vedran Mrvica, Head of the Contact Center at Zagrebačka banka, sought a voice automation solution to modernize the IVR and alleviate the pressure of high call volumes. However, the complexity of automating service in Croatian presented a significant challenge.


After researching and meeting with vendors, Vedran found that PolyAI’s ability to communicate in Croatian was unmatched. “When we heard PolyAI’s solution in Croatian, we knew that was what we wanted for our customers. No other vendors came close to how great it sounded,” said Vedran. UniCredit’s voice assistant is now the first to be deployed in Croatian. The UniCredit team had forecast the project would take a year to deploy, but PolyAI deployed their voice assistant in just 3 months.

The voice assistant answers a range of frequently asked questions about things including card activation, card replacement, how to add a card to a digital wallet on a smartphone, and support queries for online banking. For call types that it doesn’t yet automate, it routes callers straight to the right department, asking clarifying questions when needed.



point NPS increase


call automation


faster call routing


reduction in abandonment rate

UniCredit’s voice assistant Mia is now automating 27% of all calls to Zagrebačka banka, routing callers 83% faster than the previous IVR and reducing call abandonment rate by 10%. These improvements have increased UniCredit’s NPS score by 14 points in the first 6 months of the deployment.

When we heard PolyAI’s solution in Croatian, we knew that was what we wanted for our customers. Our customers can now get information quickly in their local language, and I’m really proud of what we’ve created together.”

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