NAME
michalkomar — Michal Komar (Czech: Michal Komár), AI consultant in Prague, Czech Republic. Agentic AI, enterprise AI integration, and intelligent automation for banks and regulated enterprises — in the EU and worldwide, on-site or remote.
SYNOPSIS
michalkomar [--ai-strategy] [--agentic-ai] [--enterprise-integration]
[--automation] [--lang=cs|en] [--region=prague|eu|remote|global]
DESCRIPTION
Michal Komar is an AI consultant at J&T Banka, a Prague-based private bank, where his mandate is making generative AI safe, useful, and production-ready inside a heavily regulated environment. He is the bank's former Head of Digital Experience (2019–2025), and has spent 13+ years building digital products — as a project lead, CTO, and product manager — before moving to AI full-time in 2025.
His work sits at the intersection of product strategy, AI implementation, and organizational change: deploying robust AI solutions in production, from intelligent automation to agentic systems that operate within financial-services constraints. The job, in one sentence: bridge the gap between cutting-edge AI capabilities and the trust and reliability that regulated institutions demand.
OPTIONS
- --ai-strategy
- AI strategy and consulting for enterprises: where AI genuinely pays off, what to build versus buy, and how to sequence adoption so it survives contact with compliance, security, and the org chart.
- --agentic-ai
- Design and deployment of agentic AI systems — autonomous AI agents with testing frameworks, human-in-the-loop oversight, and audit trails, built to act reliably inside regulated constraints.
- --enterprise-integration
- Enterprise AI integration: wiring models and agents into real core systems via event-driven architecture, APIs, and operational data stores, so AI works with production data instead of demos.
- --automation
- Intelligent automation and AI optimization of high-volume operations — customer service, document processing, back-office workflows — with measurable efficiency gains and error reduction.
TRACK RECORD
Selected, publicly documented results from J&T Banka's digital-channel rebuild, which he led as Head of Digital Experience:
- An event-driven integration layer processing 2M+ messages a day across 20+ core systems, delivered in 7.5 months.
- Response latency cut from 350 ms to 80 ms while consolidating data for banking, investments, and trading in one app.
- A next-generation mobile bank for private-banking clients in CZ/SK — live since 2024 and used by roughly a third of the bank's clients, built to ČNB regulatory and OWASP security standards.
Sources: public case studies by Trask and Ackee, and the Krásní lidé, krásné appky podcast episode on building mobile banking for demanding clients.
PHILOSOPHY
"The future of banking isn't about replacing humans with AI — it's about augmenting human capabilities with intelligent systems that handle complexity at scale."
- Start with the customer problem, not the technology. AI is a tool, not the goal.
- Build systems that are transparent and explainable. In finance, a black box is a liability.
- Move fast, but with appropriate safeguards. Innovation needs velocity; banking needs security.
The wins came from aligned incentives, iterative delivery, and a relentless focus on measurable outcomes — and as much was learned from the failures as from the successes.
FAQ
Who is Michal Komar?
An AI consultant at J&T Banka in Prague and the bank's former Head of Digital Experience, specializing in agentic AI systems, enterprise AI integration, and intelligent automation in regulated financial services.
What does an AI consultant at a bank actually do?
Take generative AI from slideware to production: pick the use cases that matter, design the guardrails and oversight, integrate with core systems, and ship — inside real compliance, security, and audit constraints.
Does Michal Komar work with clients outside the Czech Republic?
Yes. Based in Prague, he works across the European Union and globally, remote-friendly, in Czech or English.
How do I get in touch?
LinkedIn is fastest: linkedin.com/in/michalkomar. Also on X and GitHub.
PROJECTS
Nostresso — a privacy-first stress-monitoring app for iPhone and Apple Watch: fully on-device, no servers, no analytics, AI insights via Apple's on-device foundation models. GitHub bio says "always building something"; this is what that looks like.
ENVIRONMENT
| LOCATION | Prague, Czech Republic (50.08°N, 14.43°E) |
|---|---|
| COVERAGE | Czech Republic · European Union · worldwide, remote-friendly |
| LANG | čeština (native) · English (professional) |
| TZ | Europe/Prague (CET/CEST) |
Michal Komár je AI konzultant v J&T Bance v Praze. Zaměřuje se na agentní AI, integraci umělé inteligence do podnikových systémů a inteligentní automatizaci v regulovaném prostředí. Konzultace probíhají česky i anglicky, v Praze i vzdáleně.
HISTORY
Project manager and CTO in Prague digital studios (2013–2015) → digital project lead at Wunderman (2015–2019) → J&T Banka: Senior Product Manager, then Head of Digital Experience (2019–2025), now AI Consultant (2025–). Posts on X about AI and product strategy. Tall enough, curious enough, and definitely opinionated enough to have perspectives on most topics.
SEE ALSO
linkedin(1), x(1), github(1), jtbanka(7), llms.txt(5), about.json(5)
BUGS
Opinionated. Known behavior; won't fix.
COLOPHON
This site is one hand-written HTML file — no framework, no build step, no cookies, no tracking. The terminal above is progressive enhancement; everything it can print is on this page. Source: github.com/michalkomar/michalkomar.com.