Focus Topics

Digitalisation and Banking 4.0

The Digital Revolution is transforming every industry. Deutsche Bank understands the influence of a more digital world on its operating model and has embarked on a journey to becoming more technology-led. Our ambition is to be a leader in the area of digitalisation using the power of our data in order to understand customers better, make more informed decisions, further strengthen our control functions, and focus on our clients’ needs. This is a small snapshot of what we are doing:

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Are zeros and ones the currency of the future?


"The future of banking in a totally digitalised world" - this concerns every single one of us. In this feature, get to know people who helped shape the digital revolution, and experience how digitalisation is totally redefining financial systems, the start-up community and the economy.


At a glance

10 facts about the Digital Factory that you should know

  1. Everything under one roof: software developers, IT specialists and financial experts, as well as legal and compliance experts. They are developing, designing and programming new, intuitive applications and products for the customers of Deutsche Bank.
  2. Over 400 employees from 14 countries working in close collaboration.
  3. Start-up atmosphere meets Bank: Over 50 workstations in the Digital Factory are at the disposal of cooperation partners – start-ups and young technology companies mainly from the banking and insurance industries.
  4. Programming and design belong together in the Digital Factory.
  5. Flexibility instead of rigid rules: The Digital Factory has an agile approach to software development and uses Scrum.
  6. The first successful project was the “Deutsche Bank Mobile” app.
  7. Currently, the developers are testing new applications that use artificial intelligence, blockchain technology and automatic speech recognition.
  8. The Digital Factory and its employees are building on the foundations of our digital innovation labs in Berlin, London and Palo Alto.
  9. The Digital Factory and the innovation labs play an important role in enabling Deutsche Bank to evolve from a traditional bank to a technology company.
  10. First-class partnerships for the development and construction of a digital platform: Exclusive cooperation with Europe's leading start-up accelerator, Axel Springer Plug and Play, and launch of joint research projects with the Massachusetts Institute of Technology (MIT).

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Deutsche Bank is developing innovations in Frankfurt for the banking business and beyond traditional financial services – together with start-ups from all over the world.


How can we work in concert with other companies and thereby drive innovation within our own company?

How can we work with start-ups to jointly implement solutions that go beyond traditional banking services?

What does an open innovation platform look like and what does a start-up programme offer us?

With Fintech Europe, we have established a corresponding platform together with Plug and Play and TechQuartier in Frankfurt to implement this easily with strong partners.


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Deutsche Bank and Autistica develop autism app in 24 hour #DBTechHackathon


Deutsche Bank and Autistica have developed the prototype for an app which will help young people with autism to understand and overcome their fears. More than 150 of Deutsche Bank's IT and design specialists from 7 locations across the world competed against each other in a programming competition (hackathon) to build a prototype for a smartphone app. Deutsche Bank will offer Autistica the competition's collective data and developments so that the organisation can win the sponsors needed to develop the prototype further.

"The prototype for this app is an example of how hackathons can change the way in which we work - how we build teams, tackle problems and use the skills of employees purposefully", remarked Kim Hammonds, member of the Management Board and Group Chief Operating Officer for the Bank.


At a glance

Cash, electronic or online

Germans are known as heavy cash users. As recent as 2017 they paid cash for most of their purchase transactions, 74% by number and 48% by value. However, there were an estimated 17 billion electronic payments that year and with a number of new mobile devices coming onto the market in 2018 this will likely change.


Innovation labs and catalysts

A faster pace of innovation with crowdstorming and lateral thinking:

Experience how Deutsche Bank has helped to shape #DigitalBanking here

Our expert opinion: digitalisation, banking and innovation

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