Stefan Kapfer

Sparkassen in Bavaria lose 10,000 employees Over the next ten years, the Bavarian Sparkassen will lose around a third of their workforce as around 10,000 employees retire. This massive loss of staff is part of a larger trend in the financial sector, as other institutions are also facing similar challenges. Demographic change is hitting an already tight labor market where skilled workers are in short supply. In the second quarter of 2024, there were almost 39,000 vacancies in the sector, an increase of ten percent compared to the same period last year. To counteract this impending staff shortage, the Bavarian savings banks are increasingly focusing on new recruitment strategies. A particular focus is on training career changers. The number of retrainees at the Sparkassenakademie Bayern has risen from 20 to 248 in the last ten years. This group increasingly includes immigrants and university dropouts who are looking for a second career opportunity in banking. Overall, the savings banks are facing major challenges, but also opportunities to renew their workforce through innovative recruitment measures and the involvement of new target groups. With the retirement of long-serving specialists comes the retirement of accumulated expertise and experience. 

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📝 It's a wrap 📝 This week we had research updates on Cloudberry Clean Energy, Borussia Dortmund, S IMMO AG, Cantourage Group SE and one of our Top Picks, INDUS Holding AG. Upcoming Events: On Wednesday, we are hosting the CMD of NFON AG and on Thrusday two Roundtables with Frequentis and Rubean AG. Interested in a deep dive? Download our research for free on our new website or contact our analysts directly. #nuways #equityresearch #investorrelations #smallandmidcaps 🎯

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Outsourcing as a Key Driver for Digital Transformation in Traditional Banks More and more traditional banks are finally recognizing the benefits of outsourcing to accelerate their path to digitalization, optimizing efficiency and customer satisfaction. However, in Germany, regulatory requirements are slowing down this transformation. I emphasize that banks can only overcome these challenges through partnerships with fintechs. Already, about 50% of European banks are leveraging outsourcing solutions to reduce costs and drive innovation—a growing trend as traditional banks struggle to keep pace with neo-banks. Choosing the right technology partner is critical. Banks must understand their resources, make outsourcing a cross-departmental responsibility, and adopt a modular approach. The financial industry is at a turning point, and those who fail to evolve risk being left behind. #outsourcing #digitaltransformation #banking #fintech #innovation #Objectway #financialservices

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🎯 “Hybrid bank” – that is the aim of many retail banks. The crux of every hybrid strategy is the digital support for customer advisors. The new study “Digitaler Bankberaterarbeitsplatz 2024” (Digital Bank Advisor Workplace) by Institut für Finanzdienstleistungen Zug IFZ – co-sponsored by Finfox – takes stock of the current situation in Switzerland. Following up on its last study back in 2021, the IFZ team has been examining, inter alia: ❓ which digital support functions are in use at banks today ❓ which additional functionalities Swiss banks plan to invest in going forward ❓ which bank has the most digital advisor workplace   📅 The study will be published and presented on October 23rd in Zurich. Do you want to attend the event? Click here for more details and to register: https://lnkd.in/d5EA6uHg   👀 A first glimpse into the study’s findings can be found in the IFZ Retail Banking Blog post linked in the comments.   Lucerne University of Applied Sciences and Arts #Study #DigitalAdvisorWorkplace #DigitalTransformation

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🚀 Deutsche Bank partners with Paysafe for cash handling in Germany! 🚀 We are excited to announce a strategic partnership between Deutsche Bank and Paysafe in Germany! Starting in November, private customers of Deutsche Bank's subsidiary Postbank can use the new feature #BargeldCode in their mobile banking app to conveniently deposit and withdraw cash at participating retail locations across Germany. Deutsche Bank's customer will gain access to the feature in 2025. How it works: - Select the desired cash amount in the banking app and generate a barcode. - Scan the barcode at the checkout of a participating retailer. - Easily deposit or withdraw cash. This innovative solution provides banking customers with new flexibility and makes cash services more accessible. To partner with Germany's biggest retail bank makes us particularly proud as it marks a new milestone towards modern banking by rethinking our access to cash! 💪📲 💶 #DeutscheBank #Paysafe #BankingInnovation #Postbank #BargeldCode #CashManagement #Fintech #Paysafecash #viacash Dr. Dominik Hennen Thorsten Peppler Robert "Bob" Legters

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After ING Australia, ING Belgium, ING Americas and ING Nederland, it is now ING Deutschland’s turn! The Self-Determination Act in Germany was a great reason for publishing their #TransInclusionGuidelines. I am beyond proud of the commitment and work you all have put into this document. It will support colleagues at ING seeking guidance when embarking on their journey of self-determination. #WeAreING #Diversity #Inclusion #Belonging #TransInclusion

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🔊 Webinar alert - Open Finance - What's in it for me as a Bank? 🔊 Next week Thursday the 14th November I will be participating in a Webinar organized by Bank-Verlag GmbH and Ute Kolck with the purpose of sharing how banks can take advantage of Open Banking already today and of Open Finance in the future. Together with Stephan Mietke from Bankenverband and Joris Hensen from Deutsche Bank I will present my view of how #Banks can and are taking advantage of #OpenBanking in the #Nordics and what use cases I believe the most in when looking forward into #OpenFinance and #FiDA. Curious to listen in? Sign up to the below link! #EnableBanking #Openbanking https://lnkd.in/degK4B3A

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Good to see that paycy has implemented Berlin Group #openFinanceAPIs, which is made evident in the (German) article cited by the post. 😀 open finance based on #BerlinGroup standards slowly gains momentum, since we see also other openFinance APIs getting implemented…

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📝 It's a wrap 📝 This week we had research updates on Rosenbauer Group, q.beyond AG, Flughafen Wien - Vienna Airport, Netfonds AG, VOQUZ Labs as well as on three of our Top Picks, Multitude, INDUS Holding AG and MLP. Upcoming Events: On Thursday, we are hosting the H1 earnings call of Nabaltec AG, one of our Top Picks. Interested in a deep dive? Download our research for free on our new website or contact our analysts directly. #nuways #equityresearch #investorrelations #smallandmidcaps 🎯

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#PaymentsAsACommodity #SimplifyingComplexity #WeAreNexi Managing customer payments for SME's as simple as interacting with any utility provider or online shop - plus valuable information to better understand and grow your SME business: See further detais on Nexi's proposition below.

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#Austria continues to lag far behind other countries when it comes to #CashlessPayments, according to the newly published #BCG #GlobalPaymentsReport. With an average of 300 digital payments per capita in 2023, Austria finds itself in the bottom third among 16 other European countries. However, there’s encouraging news—digital transactions are rising swiftly. Austria recorded a 16.3% increase compared to the previous year, marking the fourth strongest growth in Europe. 📈 Norway leads with an impressive 815 digital payments per capita, followed by Luxembourg (753) and Ireland (705). Austria has the potential to close this gap, and now is the time for businesses and policymakers to accelerate innovation in the payments space. 🚀 A big thank you to all media partners who have picked up our report today! 🎉 https://lnkd.in/dVY4wUyU #Payments #GPR #Innovation

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Safe investment with Finyoz!

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Sharing an opportunity to win 1 of 5 books by Paolo Fabrizio on the topic of "Digital Customer Service & Customer Culture" where I was contributing together with • Shep Hyken. The book is a practical guide to implementing goals in customer experience. It provides insights into improving service culture, empowering frontline teams, and a glimpse into the future of service. The book can be found at https://lnkd.in/d_7GzNDk

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Aktie.ai for sale. make an offer. #Domains #Aktie #Aktien #Börse #Boerse #Finanzen #Aktienmarkt #Deutsch #Banken #Finanzmarkt #Wirtschaft #Marktanalyse #Daten #Analyse #Fintwit #Investieren #Fintech #Ai #Agi #GPT #Application #C3Ai #Stock3 #OpenAi #Finance #Digital #Capital #Funds #ETFs #Tech #Devs #Software #Stock #Stocks #Stockmarket #Share #Investieren #Investments #Business #Startups

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🎙️ Exciting News! Wyden was featured on Plaudertaschen | Banking von morgen! 🎙️ We were honored to discuss some of the most important trends shaping digital assets: ➡️ Global Regulatory Hotspots Europe is setting the pace in #crypto regulation with #MiCA, while regions like Turkey and Brazil are preparing their own frameworks, and the U.S. takes a more cautious approach. ➡️ Blockchain’s Long-term Vision Blockchain could soon serve as the tech foundation for traditional assets, bridging digital and traditional worlds. ➡️ Navigating Volatility With "crypto winters" and fluctuations, volatility remains part of the journey, as the market matures and attracts institutional interest. In this new world, Wyden serves as the infrastructure backbone for financial institutions and supports the end-to-end trade lifecycle of digital assets from treasury management to best execution trading with preferred counterparties, as well as settlement, and accounting – to manage all retail, institutional and prop-trading needs in one single platform. Thanks to Patrick Fritz and his team for this opportunity! Listen here: https://lnkd.in/dckR5vFd #Crypto #Blockchain #DigitalAssets Mimoza Selmani Buncak Hayri S. Kevin Sommer Felix Saible GuideCom AG Sparkassen Consulting GmbH S Broker AG & Co. KG

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Build out your finance tech stack in line with your biggest pain points! Thanks for the chat Evgenij Bakulin!

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Pluxee is a GREAT PLACE TO WORK (GPTW). Why do I think this is important? Employee happiness is crucial for client happiness, productivity, innovation and impacts critical metrics such as i.e. working morale & retention. An existing study from Bain & Company prooves that 1 eNPS point translates into up to +5 cNPS points. Inspired and satisfied employees are 3 times more productive. Companies with a high employee engagement show 14x less churn while being 4 times more productive. There is clearly a linkage between employee and client satisfaction. Are we still making mistakes? Yes! Do we have room for improvement? Yes we have, of course. And with the help of our GPTW analysis we will strive for further improvement. The future is bright. Lets go for it.

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Hey Sparkasse .... you are a prime example of German efficiency and customer culture 🤣 Quick story: - Local Tax audit requested account statements for 2019-2021 - Years are not available online - Requested via online help form - no response - Requested by mail - Account Manager in Vacation - no forwarding of messages but an absent message with the email of another manager - Contacted the holiday replacement by mail asking to drop me the statements or via my online account postbox. - Resonse from Sparkasse: That is not possible, statements will be sent out by regular mail to your company address (still not arrived 3 days later) - Best one: "Mr Schneider, for the service we charge you 79 EUR account fees" There is a reason we changed the main account to another bank a while ago. 🖕

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