Цифровизация и локальная экспертиза: как Raiffeisen Bank International помогает европейским экспортерам преодолевать кризис

Raiffeisen Bank International’s Head of Group Transaction Banking, Sabine Zucker, provides a strategic perspective on how European exporters can build resilience through trade finance digitalization — and why CEE transaction banking expertise is now a strategic necessity. As Head of Group Transaction Banking at Raiffeisen Bank International (RBI), I have witnessed how European exporters navigate an increasingly complex global trade environment. With over 30 years of experience in cash management and transaction banking, I have come to view success in international business as a function of resilience, digital readiness, and the right network of partners. Supporting Exporters Across Borders At RBI, we support European exporters by combining robust transaction banking capabilities with deep local knowledge across Central and Eastern Europe (CEE) and other markets. Our international network connects clients with markets far beyond their home base. This global reach allows us to offer comprehensive solutions such as cash and liquidity management, letters of credit, guarantees, and other trade finance solutions through a single banking relationship. This integrated approach is vital for companies managing cross-border business in multiple currencies and jurisdictions. Embracing Digital Innovation in Trade Finance and Cash Management The landscape of trade finance and cash management is evolving rapidly, driven in part by the accelerating pace of trade finance digitalization. Centralization, real-time visibility, and digital connectivity are no longer optional, but essential. Exporters increasingly require treasury structures that operate seamlessly across countries and currencies, with direct ERP integration and enhanced reporting capabilities. Solutions such as CMIplus and multi-bank connectivity are designed to reduce manual work and increase efficiency. Investment in AI-supported digital documentary workflows and improved data handling is beginning to show results by accelerating trade processes, enhancing transparency, and strengthening risk control. Navigating Market Challenges with Local Expertise European exporters face significant challenges in today’s market environment. Geopolitical tensions, sanctions, foreign exchange volatility, and divergent legal and regulatory frameworks complicate international trade, particularly across the diverse CEE region. Some markets are part of the EU or the euro area, while others operate under different currencies and legal systems. This complexity demands careful local assessment and practical risk management, including stronger compliance checks, diversified market exposure, and closer monitoring of counterparties. In this context, a banking partner that combines local expertise with international reach is crucial. Responding to Exporters’ Growing Demands Client needs are evolving alongside these market dynamics. Exporters expect fast, secure, and transparent payment solutions, reliable financing, and support that operates effectively across multiple markets, currencies, and systems. They value banks that can efficiently connect headquarters and subsidiaries, balancing local presence with centralized control. At RBI, we tailor our services by integrating local account coverage, trade finance, supply chain finance, and treasury connectivity, enabling clients to manage liquidity and trade flows more efficiently across CEE and beyond. The Future of Transaction Banking Looking ahead, the outlook for international business and transaction banking remains constructive. Significant opportunities remain, but success will increasingly depend on digital readiness, resilience, and strong networks. Centralization and better visibility will shape the future of banking services, with partners such as RBI supporting growth across Austria, CEE, and global markets. Ultimately, our mission at RBI is clear: Make international business happen. Discover practical insights and solutions for navigating international trade with confidence here.