We are Shaping
the Future of Banking 

The supervisory and economic frameworks for financial institutions are becoming increasingly demanding: Growing regulation, volatile markets and increasing digitalization drive these developments. We advise and support banks and employ innovative approaches and practical concepts to help them master these challenges.

We show banks how they can meet the challenges of today and tomorrow from both an organizational and IT perspective.

The importance of capital markets grows in times of low interest rates. At the same time, these markets are becoming more and more regulated, while the demands on banks rise.

We help you eliminate hurdles, master the latest challenges and effectively take advantage of emerging opportunities.

Digital transformation has reached the banking industry and offers many opportunities for successfully mastering the challenges of tomorrow – through commitment, know-how and a spirit of innovation from both management and employees. In order to successfully position themselves in a digital society, banks must develop a digital vision, establish and deploy company-wide digital competence, increase digital interaction with customers and create the technical basis for digital innovation.

Digitalizing lending processes has long become a key competitive factor for banks. Digital technologies have a disruptive effect on banks and threaten to replace entire business models. Only banks that take an intelligent and effective approach to their lending processes and that continuously optimize their processes can survive and continue to grow in the delicate balance between tight margins, low interest rates and the competition coming from new market players like fintechs.

Large volumes of data, complex processes, supervisory requirements, increased customer demands: The banking industry is the perfect setting for AI in the form of algorithms, data models and automated processes although the matter goes far beyond the mere use of technology.

To ensure the success of AI in banks, there has to be meaningful collaboration between humans and intelligent systems.

Automation and algorithms in particular can be used to reduce operational costs and streamline time-consuming processes.

These, in turn, allow employees to spend their time on activities that create value, such as effective customer support.

In a digital world there is no success without IT. Processes can only be optimized and run efficiently with the right IT solutions.

We use our banking and IT competence to advise on and accompany IT development at banks and to ensure the focus of their IT is well-aligned with their business goals.

We work with our customers to develop perfectly-tailored strategies in order to ensure and enhance the quality of their IT, thereby increasing the value their IT brings to the table.

We are shaping the payment world of tomorrow through innovative projects.

What was once the bread and butter of bank revenue has now become the biggest field of innovation in the financial industry. New outside players like Apple, Amazon, Facebook and Google are pouring billions into what used to be a self-contained market. Innovative fintechs like PayPal and N26, however, introduce new customer-oriented offers to the market every month.

Banks are increasingly being forced to deal with new competitors with lucrative business models in niche segments.

Artificial intelligence and predictive analytics help banks stay competitive in their core business.

These techniques allow large volumes of data to be analyzed faster, valuable information from these analyses to be gained, and thus competitive advantages achieved.

Personalized customer approaches can be employed quickly and cheaply, thereby avoiding impersonal mass mailings while quickly identifying potential and cross-selling opportunities.

Customers see higher-quality service, cancellation and churn rates go down and – in connection with more targeted special condition management – margins from customer relationships optimized across the board. Not to mention the fact that a more tailored customer approach tends to reduce sales costs.

Customers expect banks to independently recognize their needs early on and to provide customized solution proposals in response.

An intelligent CRM system that ensures all relevant customer information is available in one central location is thus a decisive success factor: it is a highly-efficient and innovative way to ensure loyalty among existing customers, promote the acquisition of new customers and inspire one’s own employees. Companies that hope to master the challenges of the digital future and stay successful must thus focus even more closely on customer experience and needs-based sales. As a certified Silver Salesforce Partner, we are happy and able to support credit institutes on this journey.

The SAP Bank Analyzer has established itself as the standard solution for analytical banking in the financial services industry. As a specialist in bank controlling, we advise banks with both our business and technical competence throughout the entire cycle of an SAP implementation project – from analysis to production support.

Our consulting approach not only covers the reimplementation of the Bank Analyzer, S/4HANA for Financial Products Subledger (FPSL) and SAP Profitability and Performance Management (PaPM), but also the integration of new components and optimization of ongoing operations as well.

European and national supervisory authorities demand consistent and transparent methods and processes in bank controlling. This affects data supply and retention as well as risk management, controlling, and internal and external reporting  ORRP – our open risk and reporting platform architecture – combines the functional benefits of the THINC (bank controlling) and BAIS (reporting) solutions on a single platform, thereby enabling the efficient linking of reporting and risk controlling, such as in the normative approach of ICAAP/ILAAP.

Our standard software MARZIPAN means easy, fast and accurate computation – audit-proof calculation logic combined with the latest calculation services. MARZIPAN is flexible. Intelligent interfaces allow for integration into almost any system environment, meaning banks can calculate what they want, where they want and how they want.

Adjusting your strategy development processes and implementation processes in times of disruptive change is an exciting and promising challenge. It requires a detailed knowledge of the relevant influence factors, of one’s own strengths and weaknesses, as well as a clear idea as to how the strategic elements you have developed can be correctly implemented.

Experience has shown that hiring an outside business consultancy, one that can provide an outside, independent view of the fields of activity, that is well-versed in your industry and that can provide proof of best practices and success stories, can be very beneficial. Consultancies can bring fresh ideas to the table, are able to critically assess internal considerations and work with their clients to create solutions.

The contribution of business and technological expertise, such as to sales management, customer relationship management or the implementation of digital solutions rounds off the wide range of added value an external business consultancy can create.