The bank - seeking a 20% boost in funds managed and customer numbers by 2015 - says it will try to make services more customised by using social networking, video-calling, full remote product and service contracting and online MifID suitability tests.

Through la Caixa's online platform, private and personal banking customers will have access to a new tool that lets them sign forms, configure their preferences for receiving information, use financial planning services and view investment tracking reports and suggestions.

Meanwhile, a feature called the "wall", based on "the social network concept" can be used to talk with asset managers, through written messages or video-calls. The bank has also developed a specific learning programme for customers, with financial content and interactive games, as well as a tool to help self-planning.