Transformation – Shaping the Future Together

The financial industry is in constant flux: new technologies, stricter regulations, and rising customer expectations.
For many companies, that means something has to change – structurally, technologically, and culturally.

That’s where we come in. Not just as a source of ideas, but as a partner on equal footing.
We help you make your organization future-ready – with a clear eye on strategy, feasibility, and real-world implementation.

Our Approach to Transformation
For us, transformation is more than just a new system or process.
It’s about the sustainable evolution of your organization – across technology, structure, and people.

We think ahead. We ask the right questions. And we support you every step of the way:
From strategic alignment and process design to successful implementation.

What’s in it for you

  • Stay competitive with solutions built for the future
  • Gain efficiency through streamlined operations and digital processes
  • Future-proof your IT with scalable, flexible structures
  • Create better customer experiences – because your digital touchpoints just work

Transformation that delivers – measurably and sustainably

  • Lower costs: through optimized operating models and more efficient IT
  • Greater speed: thanks to automated processes and reduced friction
  • Stronger customer journeys: through clearer user flows and higher conversion rates

👉 Discover your potential – let’s talk.

Digitalization is no longer a future trend – it’s happening now.
We help you integrate technology in a meaningful way, prepare your IT for tomorrow, and design processes that reduce complexity instead of adding to it.

Our goal: greater efficiency, more innovation, and better customer experiences. All tailored to fit your organization – not the other way around.

What we can do for you in concrete terms:

  • Use technology with purpose: We support you in selecting and implementing platforms that genuinely improve your operations – and impress your customers.
  • Modernize IT infrastructure – with minimal friction: Secure migrations, high-performance systems, smooth operations – we make sure your IT delivers on its promises.
  • Automate processes: Fewer manual steps, more streamlined workflows – for faster results and fewer everyday errors.
  • Improve digital customer experiences: Whether it’s an app, a client portal, or self-service – we design intuitive touchpoints that make interactions easy and strengthen customer loyalty.
  • Leverage SAP Banking more efficiently: We help you get more out of your SAP environment – with solutions that bring transparency, control, and real efficiency.

Digital transformation can change everything – if you do it right.
We’ll help you find the path that truly fits your organization.

👉 Let’s talk about your goals.

As markets evolve, business models must keep pace – or be reimagined entirely.
We support you in strategically developing your offerings, realigning existing units, or exiting business areas that no longer fit. Always with a focus on customer needs, efficiency, and future viability.

How we support you in practice:

  • Developing and implementing new business models: From initial idea to successful launch – for example, product marketplaces, structured products, or digital platform solutions.
  • Building partnerships and ecosystems: Establishing strategic collaborations – such as omnichannel platforms like OKP within agree21 or your own ecosystem initiatives.
  • Reshaping revenue structures: Refining existing business areas or phasing them out with a clear strategic lens.
  • Managing the phase-out of business units: With structured planning, a strong compliance focus, and clean project execution.

👉 Let’s talk about your goals.

Change only succeeds when it’s embraced throughout the organization.
We support you in evolving structures, actively shaping cultural transformation, and introducing modern ways of working – always grounded in real-world needs.

Our services at a glance:

  • Evolving and enabling agile organizations: From reorganizing business units and selecting or migrating IT systems to realigning products and processes.
  • Empowering New Work & modern work models: We guide projects for hybrid working environments – for example, with savings banks and cooperative banks – and implement campus-based models.
  • Driving change management – not just administering it: We foster buy-in, support internal communication, and help make change happen.
  • Supporting infrastructure transformation: From relocating offices to full redesigns of physical spaces – we take a holistic view of transformation.

👉 Let’s talk about your goals.

Efficiency isn’t about speed at any cost – it’s about well-designed processes, streamlined workflows, and a sharp focus on what truly matters.
We help you deploy resources effectively and build structures that deliver long-term relief and value.

How we help you achieve greater efficiency:

  • Simplifying and optimizing processes: For example, in trading operations, securities processing, or regulatory workflows.
  • Targeted outsourcing: From IT operations to mail handling – we develop tailored shared service models.
  • Achieving more with less effort: Clearer responsibilities, reduced redundancy, and increased automation.

👉 Let’s talk about your goals.

Regulatory requirements can be demanding – but they don’t have to become a permanent construction site.
We help you implement regulations effectively, establish clean processes, and embed compliance into your organization without disrupting operations.

What we do for you:

  • Implementing and integrating new regulations: For example, capital gains tax, GDPR, BaFin guidelines, DDPA, DORA, and more.
  • Designing professional regulatory reporting: Setting up processes, ensuring data availability, and maintaining clear documentation.
  • Developing and strengthening your SFO (Second Line of Defense): From process design and policy development to hands-on implementation – including standardized SFO processes.

👉 Let’s talk about your goals.