On 6 November 2025 Ljubljana hosted annual Arvio Conference – Shaping the Future of Real Estate Valuation, where experts from across Europe gathered to explore how data, regulation, and AI are reshaping the future of property valuation and real estate-backed finance.

It was an inspiring day of discussion on topics such as:
– Standardization of Automated Valuation Models (AVMs) across Europe
– Integration of ESG factors into valuation, finances and risk
– The impact of the upcoming CRR3 prudent value requirements
– Responsible and transparent adoption of AI in valuation processes

For those who couldn’t join us in person, we’ve prepared a concise summary of conference insights, highlighting the most relevant takeaways and industry perspectives.

Download Arvio Conference 2025 Key Insights HERE

At Arvio, we remain committed to advancing transparent, data-driven and compliant valuation practices – and we look forward to continuing this dialogue with you!

The 28th scientific and professional conference Financijsko tržište 2025, organized by the Croatian Banking Association (Hrvatska udruga banaka), took place in Opatija on May 22 and 23. Once again, the event gathered numerous experts from the financial and economic sectors. Our participation in this important event provided an opportunity to exchange knowledge, follow current trends and contribute to the ongoing dialogue about the future of the financial market.

Over the course of two days, the conference addressed key macroeconomic challenges shaping both the domestic and global financial landscape. Particular focus was placed on adapting to new regulatory requirements, the digitalization of services and the development of capital markets.

The first day focused on the role of banks as engines of economic growth, with discussions centering on lending, investment and upcoming regulatory measures. It was noted that a certain slowdown in lending activity is expected, alongside adjustments aimed at more sustainable and balanced development.

The second day focused on strategic directions for the development of the capital market up to 2030. Specific initiatives were presented to support stronger regional integration, broader involvement of institutional and retail investors, and greater public interest in capital market participation. Participants also discussed the challenges of implementing European regulations and the need to balance digital transformation with a personalized approach to clients.

Despite the unusually cloudy weather for late May in Opatija, the conference atmosphere remained dynamic and constructive. A shared conclusion was that the Croatian banking sector continues to demonstrate strong stability, openness to innovation, and responsibility in adopting new technologies and responding to market trends.

We thank the organizers, speakers, and all participants for a well-executed conference, and we look forward to continued collaboration in the years to come.

We are proud to announce that ARVIO has been selected among the top five startups to reach the finals of the prestigious Slovenian Start:up of the Year competition.

This nomination is a major recognition of our team, our technology, and the vision with which we strive to improve the real estate valuation market through advanced software solutions.

Our solutions enable fast, accurate, and accessible automated real estate valuations in Croatia and Slovenia and are already used by the majority of Slovenian banks.

Alongside ARVIO, the finalists include ASTRA AI, ERGOHIDE, JUICEFAST, and LIME BOOKING.

The competition finals and the announcement of the winner will take place on May 27, 2025, in Ljubljana, as part of an event that brings together the leading figures of the Slovenian startup scene – from investors and innovators to entrepreneurs and representatives of public institutions.

This nomination is not only a validation of our achievements so far but also an encouragement for the future. We reached the finals thanks to our strong team, technology that delivers real value to users, and the trust our partners place in us every day.

Thank you to everyone who is part of our journey – together, we are building a precise, transparent, and digitally-driven future for the real estate market.

We participated in this year’s Money Motion conference in Zagreb – a two-day event that brought together experts from the financial and technology sectors to exchange experiences and insights into the industry’s development.

The first day was dedicated to artificial intelligence. The panel discussion made it clear: technology alone is not enough – without adapting internal processes, there is no real impact. AI must serve users, not the other way around. One of the quotes that sparked smiles and perfectly captured AI’s potential was:
“Artificial intelligence is like autocomplete on steroids.“

On the second day, the focus shifted to questioning whether certain terms still reflect reality – among them, “traditional banking.” The conclusion was clear: digital channels are no longer an additional option but the primary way to communicate with customers.

A particularly interesting panel discussed mid-sized banks, which, despite having fewer resources than the largest players, possess a crucial advantage – agility, local expertise, and a more personal approach to clients. These strengths help them remain resilient and relevant in an increasingly complex market environment.

Arvio fits perfectly into this dynamic, especially through innovations in property valuation, real estate portfolio management, and the digitalization of residential and mortgage lending processes.

We thank the organizers and all participants for the outstanding panels, conversations, and experiences that helped broaden our perspective.