FinTech Enabling

The FinTech Enabling division implements projects with partners who wish to turn innovative ideas into reality, but where it is necessary to have a bank as a strategic partner. In this case, we integrate with the partner company's value chain and handle all issues for which a bank or banking license is necessary.

We are pursuing new innovative ways with our partners.

Invoice & Instalment
White Label Banking
Card Acquiring
Card Issuing

"Only those who understand banking can do FinTech. I support our partners on their way to becoming a FinTech company."

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Elisabeth Höppner Senior Partner Managerin

Invoice & Instalment Business

The Invoice & Instalment Business (B2C factoring) enables our partners and their clients to control liquidity and thus provides an alternative financing option.

Our partners (payment service providers, brokers or other partners) can use this product to offer their customers financing through us by selling receivables to the bank. The potential distribution channels conceivable here are e-commerce, television, POS or telephone.

We offer

  • Risk Management
  • Portfolio Analysis
  • Financing
  • Standardised Interfaces and Contracts
  • Account Management

Card Issuing - customised, technically and conceptually innovative products

The "Card Issuing" division implements projects as part of the issuance of credit (charge card) and prepaid cards. We specialize in individual, technical-oriented and innovative products, whose features are specifically tailored to the needs of the respective target group.

“Multi-niche issuing” is the success concept of the future. In contrast to the often-exhausted mass market, its growth potential still remains largely untapped. Our vision is to work together with partners to create an individual range of services that opens up new usage possibilities and benefits for cardholders and strengthens the affinity to the card and the issuing company.

We act as issuers of our own card products. On the other hand, various card projects, so-called co-brandings, are implemented together with different partners, individually designed to suit the objectives and market position of the respective partners.

Card Acquiring

The rapid growth in online trade continues unbroken. More and more people are using the Internet to buy or sell goods and services. We act in the role of a multi-currency acceptor (acquirer) who, as a bank, settles the card turnover of the contracting parties, i.e. those who accept payments of goods or services purchased using cards.

As a principal member of the two leading credit card companies MasterCard and VISA, we have the capacity to provide automatic and seamless multi-currency acquiring services for all types of card-based transactions.

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White Label Banking

The White Label Banking division enables our partners to offer their own banking platform in their own "look & feel". Within this context, partners can be, among others: insurance companies, structural distributors, car dealers, telephone providers, associations, communities or companies with a large customer base.

We develop a customised banking business consisting of an online and offline platform that caters to your needs. The end customers process their business via your company’s homepage while we handle all the bank-specific services on your behalf.