AI use cases in Netherlands
14 documented implementations
Independer cuts feature delivery 50% with Lakebase
Independer
Independer, the largest independent comparison platform in the Netherlands, used Databricks Lakebase to eliminate the export bottleneck between its Customer 360 data platform (built on Databricks and Unity Catalog) and the production APIs serving its website, customer service tools, and internal analytics. Because customer data had been fragmented across legacy on-premises systems, engineers previously had to write export scripts and load a separate SQL Server instance before building new features. By synchronizing gold tables directly with consuming services via Lakebase (built on PostgreSQL), Independer cut development work for new Customer 360 features by 50% and is now building GenAI agent proof-of-concepts that store state in Lakebase.
ABN AMRO Bank migrates its Anna and Abby chatbots to Microsoft Copilot Studio, increasing Dutch intent-recognition accuracy by 7%
ABN AMRO Bank
ABN AMRO Bank, one of the largest banks in the Netherlands, migrated its customer chatbot Anna and internal employee chatbot Abby to Microsoft Copilot Studio in a six-month project delivered with Microsoft and Capgemini. The new agents use Azure AI Language conversational language understanding (CLU) for intent recognition and entity extraction, with Azure Communication Services handling voice and Azure middleware relaying messages. The Anna agent now handles more than 2 million text conversations and 1.5 million voice conversations with customers every year, covering tasks like unblocking a debit card or changing an ATM withdrawal limit, while Abby supports employees with IT helpdesk and facilities requests. By integrating Azure AI Language CLU with Copilot Studio, ABN AMRO increased its intent-recognition accuracy rate for Dutch by 7%, reduced drop-off and transfer rates, and significantly cut operational and maintenance costs.
Kadaster runs Azure Local to keep sovereign control over the Netherlands' land registry data
Kadaster
Kadaster, the Netherlands' official land registry and mapping agency, runs Microsoft Azure Local to maintain full control over where its data lives and how it is governed, as its workloads have grown in scale and complexity. Azure Local underpins Microsoft's Sovereign Private Cloud, which now scales to thousands of servers within a single sovereign environment.
Dutch bank ABN Amro to cut 5,200 jobs by 2028 in AI-driven overhaul
ABN AMRO
ABN Amro announced plans to cut 5,200 full-time positions by 2028 (about 24% of its workforce) as part of a restructuring that relies on AI to handle routine back-office tasks. CEO Marguerite Bérard said AI would enable 'deliberate decisions' in customer service, operations and anti-money laundering checks, where headcount could shrink by up to 35%. The plan targets a return on equity of at least 12% and a cost-to-income ratio below 55% by 2028.
ING Bank transforming operations through agentic AI
ING Bank
ING Bank is running multiple AI projects across operations, governed centrally under its COO. Live/early-production efforts include a retail chatbot, AI-driven identification of hidden affluent clients for marketing, AI-assisted transaction monitoring that helps investigators close standard alerts faster and focus on risk, and a customer due diligence (KYC) redesign that uses existing public and behavioural data to auto-answer most of a roughly 100-question review, cutting due diligence from days or weeks to seconds. ING is also developing agentic AI to handle mortgage applications end-to-end (credit checks, data collection) starting in 2026. ING's COO said AI introduced to an operations process yields a 25% productivity gain, with freed capacity redeployed to growth and more complex work, and its CTO described 'conservatively aggressive' governance restricting AI exploration to five areas under COO control.
AkzoNobel builds portfolio of 60+ autonomous AI agents on RISE with SAP and Databricks foundation
AkzoNobel
AkzoNobel consolidated 46 ERP systems down to a planned 4, standardizing on RISE with SAP and harmonizing master data with Deloitte, then connected the SAP environment to Databricks to combine structured and unstructured data for AI. On this foundation, AkzoNobel's IT organization built a portfolio of more than 60 AI agents that autonomously execute tasks such as releasing credit blocks and handling HR and logistics transactions, fully autonomously carrying out more than 750,000 actions in the first nine months, with 90% of credit blocks now resolved automatically.
Banking Innovator bunq Supports Growth, Strengthens Security Using AWS
bunq
bunq, a Dutch neobank with over 11 million users across Europe, uses Amazon Bedrock for several generative AI use cases including summarizing new user data with large language models, removing the need for agents to process onboarding documents manually. Using Amazon Bedrock, bunq tripled user support process efficiency while maintaining over 90 percent accuracy. Sensitive data stays within bunq's AWS virtual private cloud, supporting GDPR and PCI DSS compliance alongside tools such as AWS CloudHSM, AWS Security Hub and AWS KMS.
Rabobank Streamlines and Personalizes Customer Support with AI Powered Virtual Agents
Rabobank
Rabobank, a multinational banking institution headquartered in the Netherlands, reconstructed its virtual agent solution using Microsoft Power Virtual Agents, replacing a disconnected on-premises IVR and chatbot setup with one conversational platform for voice and chat. Virtual agents now complete about 40 to 50 percent of the business contacts they start without escalation to a human agent, meaning about 60,000 to 80,000 calls per month are handled entirely through automation. Online chat as first point of contact rose from about 20 percent to 25 percent of customers between early and May 2022. Reporting is unified via Microsoft Power BI. Implementation began December 2021 with the first virtual agent deployed to production in April 2022, with help from Microsoft partners Avanade and Accenture.
ABN AMRO Bank migrates to Microsoft Copilot Studio to support over 3.5 million customer conversations
ABN AMRO Bank
ABN AMRO Bank, the third-largest bank in the Netherlands, transitioned its customer-facing 'Anna' chatbot and employee-facing 'Abby' chatbot to Microsoft Copilot Studio after a competitive RFP process, completing migration in 6 months with partner Capgemini. The Anna agent now supports over 2 million text conversations and 1.5 million voice conversations per year, and integrating Azure AI Conversational Language Understanding with Copilot Studio increased intent-recognition accuracy by 7% for Dutch.
PostNL embeds AI-driven route planning and sales intelligence across its logistics platform
PostNL
PostNL's 2025 transformation embedded artificial intelligence and advanced analytics throughout operations: predictive algorithms support real-time route planning, parcel flow optimisation and capacity forecasting, and a new AI-powered sales intelligence tool converts ideal customer profiles into prioritised prospect lists with detailed shipment insights for account managers. In Belgium, PostNL piloted a fully digital onboarding journey for small business customers, reducing registration time from 15-20 days to a maximum of one day.
Dutch National Archive uses AI to make its largest WWII archive digitally searchable
Nationaal Archief
The Nationaal Archief, Netwerk Oorlogsbronnen, Huygens Instituut and NIOD Instituut are digitizing the Centraal Archief Bijzondere Rechtspleging (CABR), the largest and most-consulted Dutch WWII archive with dossiers on roughly 300,000 people, and using artificial intelligence to make the digitized documents readable and searchable. The first digital results go online via Oorlogvoorderechter.nl from 2025, with the project running until 2027.
Booking.com launches Smart Messenger and Auto-Reply agentic AI tools for partner-guest communication
Booking.com
Booking.com's first customer-facing agentic AI tools, Smart Messenger and Auto-Reply, gather partner, property and reservation information to autonomously suggest and send guest communications; early experiments yielded a 73% increase in partner satisfaction compared to previous messaging tools. The company also offers AI Trip Support, AI Voice Support, AI Rental Helper and AI-powered Flight Search Summaries.
KLM deploys AI to reduce in-flight food waste
KLM
KLM uses a machine-learning model called TRAYS, developed with Kickstart AI, to predict how many booked passengers will actually board a flight so its Meals On Board System can calculate the exact number of meals needed. The prediction runs from 17 days before departure until 20 minutes before departure and has cut food waste by up to 63% based on the expected number of passengers per flight, saving more than 100,000 kg of meals a year across flights catered from Schiphol.
Albert Heijn revolutionizes the store employee experience using Azure OpenAI
Koninklijke Ahold Delhaize (Albert Heijn)
Albert Heijn, one of the largest supermarket chains in the Netherlands with over 700 owned stores and more than 80,000 store employees, built a conversational assistant within its @AH Employee App using Azure OpenAI, hosted on Azure Kubernetes Service with data stored in Azure Database for PostgreSQL. Developed with Microsoft and partner EPAM, the assistant answers store employees' questions about restocking and customer requests, including a barcode scanner and store floorplan. It has been piloted in eight stores with plans to scale to 25 stores in summer 2025 and eventually all 700 owned stores.