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knowis Blog

The blog about digital transformation,

the knowis platform and knowis AG

Discover your future in the software world with knowis AG

Exciting News from knowis AG! We are thrilled to announce that knowis AG will once again be participating in this year's Campus meets Company event in Passau.
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Product Marketing Management at knowis: Decoding the Role, Celebrating the Realities.

At knowis, we recognize the significance of the Product Marketing Manager role in unlocking the true potential of our products.
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The Composable Enterprise: Unleashing Agility and Solving Complex Business Challenges

knowis and the architectural framework of composable enterprise.
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Safety and reliability: knowis receives ISO certifications

knowis has received the certifications ISO 27001 and ISO/IEC 20243/OTTPS. An important step that further strengthens the trust of customers and partners in the products and services of the software company.
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ESG: What Banks Can Expect due to the Sustainability Criteria

Environmental, social and corporate governance: For financial institutions, the ESG approach means much more than just a green image. Almost all banks already report on ESG-relevant issues. This is giving rise to new requirements that are unlikely to be met without digital support.
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Business Solutions in Banking: Simplifying and Accelerating the Pricing Process

In the current issue of our series Business Solutions in Banking, we show you how pricing can be implemented into the loan application and approval process without the need for switching between systems. A banking platform allows you to digitalize loan processes and integrate existing pricing solutions seamlessly.
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Business Solutions in Banking: Gaining Customer-Centric Insights

The customer as the center of banking solutions: A challenge if the processing of data is not sufficiently supported by the system. In this part of our series, we show how no-compromise customer-centric business applications can be created with a banking platform.
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Business Solutions in Banking: Reliable Monitoring of Covenants

Monitoring covenants often entails time-consuming and costly manual follow-up activities. In this first article of our series 'Business Solutions in Banking', we outline how the monitoring of covenants can be implemented both rapidly and securely in a modern business application on a banking platform.
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Break Down Silos in the Back Office With a Banking Platform

Over the years, in the banking world, not only have operational silos emerged but also, technological standalone solutions. These block the path to modernization, especially in the back office. The motto for financial institutions is therefore: make complexity manageable and reduce it.
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Cost Reduction Through Digital Transformation of the Back Office

In times of low interest rates and increased competition, cost reduction for banks is the order of the day. Automation alone is not enough when it comes to effectively reduce costs. Especially in the back office, holistic digitization measures promise lower costs and investment in the future at the same time.
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Working With Partners to Shape the Future of Banking: A Digitization Project by msg GillardonBSM and knowis

In a joint project, msg GillardonBSM AG and knowis AG have implemented a software application that prototypically demonstrates the potential of automating decisions in the lending process – an excellent starting point for deepening the partnership.
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Back Office Digitization: Why the Right Technology Mix is Crucial

Current digitization initiatives in banks often use only individual technologies to automate manual activities. However, a digital transformation based on the 'Zero Back Office' principle creates requirements for financial institutions that call for a mix of technologies.
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Back Office Digitization: Fast and Secure Thanks to Pre-designed Modules

In extensive digitization initiatives, a modular approach is recommended, in which banks skillfully combine existing and newly built modules. For more speed and stability in realization, the isfinancial banking platform from knowis relies on preconceived business capabilities.
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Software Heroes @ knowis: Test Engineer Andreas

Software development is not just about coding – testing is an equally important part of its life cycle. Who could explain this better than software hero Andreas Rupprecht, Test Engineer at knowis. In this interview, he explains why chasing bugs is not enough in his job.
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Christmas 2020 at knowis: Being Close at a Distance

Just like many others, we were faced with the challenge of realizing our annual end-of-year highlights at knowis in a pandemic-compliant manner this December. Finding a way to close the year together, despite physical distance, was not an easy task.
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Software Heroes @ knowis: Head of Professional Services Michael 

knowis promotes lifelong learning and offers all employees a wide range of opportunities for personal and professional development. In the interview with Michael Rehfisch you can find out more about his career steps at knowis from business analyst to head of Professional Services.
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Automating Credit Processes With Next Generation Banking Solutions

Complex processes and undisclosed data often obstruct digital transformation efforts within the business departments of banks. In order to work more efficiently and cost-effectively, financial institutions should rely on next-generation software solutions in which domain expertise is part of the DNA.
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Software Heroes @ knowis: Software Developer Namrata

At knowis, people from a variety of different countries and cultures work together. For example, software developer Namrata Gupta, who moved from London to Regensburg for her job at the beginning of 2020. In an interview, she reports on her everyday work and how knowis supported the relocation to her new home.
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knowis on Stage: Effective Digitization in the Credit Sector

This fall you can experience the knowis experts on stage several times. In the light of the current situation and upcoming challenges, they will show which characteristics next generation banking solutions must have and how they can be implemented and used in practice.
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Software Heroes @ knowis: Business Analyst Christian

Creating a shared understanding between business and IT is essential when implementing software projects. In our interview, software hero Christian Müller explains how this works and what tasks the multifaceted job of a business analyst at knowis entails.
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Webinar: Next Generation Banking Solutions for Corporate Credit in Practice

knowis uses state-of-the-art technologies to build future-proof solutions that enable financial institutions to meet current challenges. The knowis experts will demonstrate what a next generation banking solution looks like in the webinar "Next Generation Banking Solutions in der Praxis" on September 29, 2020.
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Software Heroes @ knowis: Software Developer Saja

knowis is a place for people who work together to find creative solutions for any challenge. One of these people is software developer Saja Darwish. In this interview, she talks about her way into the Regensburg IT community and gives tips for potential applicants.
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Agile Team Organization Based on the Tribe Model at knowis

Squad, Tribe, Guild and Chapter. What sounds like the content of an online role-playing game, such as World of Warcraft, is the basis for an agile work model in a business context. Read about our first experiences with agile team organization at knowis, based on the Spotify model.
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Software Heroes @ knowis: Software Developer Prathibha

At knowis, flexibility is not just an empty phrase, but is put into practice each and every day. Software developer Prathibha Harihara, who has been working on the knowis banking platform since 2015, talks about her professional focus and how knowis supports her in balancing family and career.
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IBM Cloud for Financial Services: knowis Joins Ecosystem

To keep up with the rapid pace of their competitors, financial institutions have to take banking to the cloud. IBM is offering the first public cloud that addresses the industry's specific needs. knowis AG is part of the growing ecosystem and has committed to onboard its banking platform isfinancial.
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Software Heroes @ knowis: Working Student Engineering Sebastian

From interns to professionals – at knowis, every team member’s opinion counts. In the first interview of this series about our software heroes, working student Sebastian Högl, who is part of one of knowis AG’s engineering teams, describes his tasks and gives insights into his daily work.
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The Pandemic Impacts Credit Margins: This Is How Banks Can Prepare Now

Due to the Corona crisis, factors such as loan defaults will have an impact on the tense profitability of financial institutions; this will primarily affect banks' portfolio management. A consistent adjustment of the digital agenda will be crucial to best deal with this situation.
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Do You Have a Minute? Talking about IBM Financial Services Workbench

Banks need to embrace technology to successfully adapt to the changing requirements of the financial market. We have asked industry experts to share their views on the greatest value of the new IBM offering Financial Services Workbench for cloud transformation projects in financial institutions.
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Modular Instead of Monolith: How Banking IT Benefits From Container Technologies

In times of ubiquitous digital transformation, aspects such as agility, flexibility, and speed are essential in IT. From a technological point of view, there is hardly any way around containers and microservices architectures. This particularly affects the financial sector.
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Do You Have a Minute, Jörg? Talking About IBM Financial Services Workbench

IBM Financial Services Workbench enables banks to utilize cloud technologies for their digital transformation. We have interviewed a range of business experts on the new IBM offering. Jörg Erdmenger, vice president of Engineering at knowis AG, explains which values it brings for IT operations teams.
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Do You Have a Minute, Frank? Talking About IBM Financial Services Workbench

Financial institutions need to embrace new technologies such as cloud to drive their digital transformation initiatives. IBM Financial Services Workbench enables them to realize this. In a video interview, Frank Muggendorfer, business analyst at knowis AG, shares his perspective on the new IBM offering.
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How Banks Can Reduce Credit Risks After the Coronavirus crisis

The major challenge for banks in times of Corona: Important decisions must be made despite a high degree of uncertainty. There are many dependencies that cannot be influenced. What does this mean for financial institutions and which lessons can be learned from past crises?
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Do You Have a Minute, Saja? Talking About IBM Financial Services Workbench

IBM Financial Services Workbench enables financial institutions to utilize cloud technologies and accelerate their digital transformation. We have asked different industry experts to share their view on the new offering – one of them is Saja Darwish, software developer at knowis AG.
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Do You Have a Minute, Stephan? Talking About IBM Financial Services Workbench

Cloud technologies have the potential to accelerate the digital transformation of financial institutions. IBM Financial Services Workbench enables banks to utilize these new technologies. Stephan Kliche, client technical architect at knowis AG, discusses the values of the new IBM offering.
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IBM Think Digital: knowis Receives Bestseller Award Again

The global technology congress 'IBM Think' was turned into 'IBM Think Digital' in 2020, the year of the Coronavirus pandemic. The online event was open to IBM partners and customers free of charge. knowis AG was in the digital spotlight in several sessions and was once again awarded by IBM.
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Do You Have a Minute, Michaela? Talking about IBM Financial Services Workbench

With IBM Financial Services Workbench, financial institutions get an opportunity to drive their digital transformation with cloud technologies. Michaela Santl, head of engineering at knowis, is one of the industry experts who share their point of view on the offering in a short interview.
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Software Projects & Remote Work: More Efficiency With Methods such as Scrum

In order to curb the spread of COVID-19, entire teams in almost all industries are forced to work remotely from their homes: a completely new situation for many companies. To overcome this challenge, teamwork needs to be rethought. The adaptation of agile methods can help.
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Do You Have a Minute, Christian? Talking about IBM Financial Services Workbench

Financial institutions are working hard on their digital transformation. IBM Financial Services Workbench supports them in this endeavor, utilizing cloud technologies. Christian Sternkopf, vice president of product management at knowis, shares his perspective on the offering in a one-minute video.
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Setting Standards for Open Banking: knowis Becomes a BIAN Member

Being an expert for software solutions, knowis AG joined the Banking Industry Architecture Network (BIAN). The aim is to exchange experiences and to not only apply the BIAN standards for open software architectures in finance, but also actively develop these standards further.
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Do You Have a Minute, Michael? Talking about IBM Financial Services Workbench

IBM Financial Services Workbench supports the digital transformation of financial institutions utilizing cloud technologies for next-gen business solutions. Michael Rehfisch, knowis head of professional services, speaks about his perspective on the offering’s value for financial services in a video.
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COVID-19: News From The Financial Industry

The impact of Covid-19 on the financial world and the entire economy is so extensive that it is difficult to keep track. That is why we have compiled some interesting articles and websites for you, shedding light on the topic from different perspectives.
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Do You Have a Minute, Torsten? Talking about IBM Financial Services Workbench

With IBM Financial Services Workbench, financial institutions can accelerate their digital transformation by building cloud-native solutions easily and quickly. As part of our video series, Torsten Spörl, head of banking solutions at knowis, talks about his opinion on the new product.
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How COVID-19 Accelerates the Digital Transformation of Financial Services

Having taken hold of daily life worldwide, the Coronavirus has pulverized almost all economic forecasts within weeks. Now it is important to keep a clear mind and purposefully navigate through these uncertain times. Banks must and can contribute significantly to overcoming this global economic crisis.
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Do You Have a Minute, Ileana? Talking about IBM Financial Services Workbench

IBM Financial Services Workbench enables financial institutions to accelerate digital transformation, utilizing cloud technologies and microservices architectures. Ileana Honigblum, vice president of sales and marketing at knowis, shares her point of view on the new offering.
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Digital Business Impact Analysis: Efficient Business Continuity Management for Banks

Unexpected personnel shortage interferes with normal business operations or a hacker attack paralyzes the data center: Banks have to be prepared. A digital business impact analysis helps to keep an eye on critical business processes and take appropriate countermeasures in critical situations.
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Webcast 'Digitization of Corporate Credit': Think Big, Build Small

Many digitization projects in the financial sector fail because their complexity is underestimated. In a webinar recording, Thomas Bohn from IBM and Stefan Engl from knowis provide practical recommendations for a successful digital transformation in corporate lending.
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knowis @ meineZukunft! Job Fair in Regensburg

Software heroes wanted! knowis AG is looking for the IT experts of tomorrow at the job fair meineZukunft! in Regensburg. The fair offers an ideal platform for networking – not just for students and university graduates, but also for employees who are planning to take a new direction in their careers.
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Interview with Aareal Bank: Cloud Outsourcing in Practice

Flexible and without compromising security and compliance – this is what a modern software solution for financial institutions should look like. Together with IBM and knowis, Aareal Bank talks about implementing a cloud strategy for outsourcing business processes.
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Banking Meets IoT: Data as the Basis for New Financing Models

Due to the increasing digitization of machines and systems, data instead of steam is now the driving force for innovations in the industrial sector. Banks can benefit from this networking of business processes – if they analyze usage data in real time and on this basis offer their customers tailored financing.
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Let it Snow: Christmas 2019 at knowis

The year is drawing to a close, people are hectically buying presents and the first snowflakes are falling outside. It is not only evident in the decorated cities that Christmas Eve is approaching with great strides. On the premises of software vendor knowis in Regensburg, the spirit of Christmas has also arrived.
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Joint Forces: IBM and knowis Open New Ways in Platform Banking

After many years of cooperation between knowis and IBM in the implementation of credit solutions, Big Blue has now released a product that incorporates knowis' expertise. The IBM Financial Services Workbench provides banks with a tool that enables them to build cloud-native microservices quickly and easily.
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Campus Meets knowis: Career Fair in Passau

At the career fair 'Campus meets Company' in Passau, students can find their individual way into their professional lives. This year, knowis AG will also be in town. The Regensburg-based software company does not promise them the moon but shows them the way to the stars through the cloud.
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Legacy Modernization: This is How Banks Put Their IT in the Fast Lane

'If it ain’t broke, don’t fix it' – this wisdom is no longer good advice for banks. Many core banking systems are no longer state of the art and have become so complex that they hamper digital transformation and growth. Banks therefore need a strategy to replace obsolete systems over the long term.
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Smarter Credit Processes: Use Cases for AI in Banking

In view of the steadily growing amounts of data, the use of artificial intelligence has great potential – also in the financial industry. Especially in the credit sector, banks can use AI to significantly increase efficiency, improve customer experience and hold their ground against competitors.
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IBM 'Bank und Zukunft': Open Banking Continues to Gain Relevance

It's the 13th time IBM invites the financial industry to gather at the banking hotspot Frankfurt. The banking conference 'Bank und Zukunft' ('Bank and Future') will take place on 23 October this year and is aimed at both decision-makers and IT experts from the banking and financial services sector.
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From Requirements to Software: The Product Manager in IT

A product manager supervises the journey of a product from the first idea to market launch. Software solutions are also accompanied during development and the product life cycle. The software vendor knowis is a perfect match for organizational talents with a good understanding of the customer's interests.
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Platform Banking: Ready for Take-Off

For years it has been apparent that the traditional business models of established banks are suffering a loss of profitability. The adoption of state-of-the-art system architectures and cloud technologies is an important basis for opening up sustainable revenue streams and new distribution channels.
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knowis at Sibos: With Cloud Technologies Towards the Connected Bank

Following the theme “Thriving in a hyper-connected world”, Sibos, one of the most important international events in the financial sector, will take place in London from 23 to 26 September 2019. As a long-standing business partner of IBM, knowis AG will also be present in London.
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Outsourcing: IBM and knowis Support Aareal Bank on its Journey to the Cloud

Aareal Bank AG is the first German bank to outsource material processes to the cloud. On the way there, financial institutions have to take many regulatory hurdles. In the THINK Blog DACH you can now read how knowis and IBM are supporting Aareal Bank in its pioneering role.
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API-Banking: More Than Open Banking

Since PSD2 came into force, API banking has become a much discussed topic. In the same breath, the term Open Banking is often referred to – experts talk about new banking ecosystems. But what role do APIs play in banking at all, and how is their use related to opening the financial industry?
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Domain-Driven Design: Structured Modeling of Complex Software Systems in Banking

Software development is shifting away from monolithic software architectures to modular components. The modelling of such flexible and scalable solutions requires an approach that concentrates on business functionality and can handle complexity at the same time: Domain-Driven Design.
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How Can Credit Processes Be Successfully Transferred into the Digital Age?

Sustainable digital change must question existing processes, technologies and business models. To give you an overview of the factors influencing a digitization project in the credit sector, we have published a new expert page – Credit. Digital.
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Material Outsourcing: How Banks Ensure Security and Compliance in the Cloud

Outsourcing to cloud providers can be the cornerstone for modernization, but regulatory requirements and concerns about data security make financial institutions hesitant. With compliance know-how and the right criteria when choosing a provider, the step to cloud banking can be taken successfully.
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Think at IBM: What Makes Open Banking a Success Factor?

IBM dedicates an entire day to the financial industry at the tech event 'Think at IBM', taking place at BIKINI Berlin from May 20 to June 29. On June 18, knowis will be part of the expert panel discussing open banking and strategies for implementing digital business models.
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knowis @ Hackaburg Regensburg

At the hackathon event 'Hackaburg' at Techbase Regensburg, knowis was present on site. The software developers Michael Decker and Yerlan Baiturinov supported the students with their know-how. Their colleague Ion Sirotkin was in the middle of the action and reports on his experience as a hackathon participant.
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knowis receives Bestseller Award from IBM

IBM awarded knowis AG with the Bestseller Award 2018 for the smart use of IBM technologies in the creation of business solutions. Ileana Honigblum, Vice President Sales at knowis, accepted the award at the IBM Partner Ecosystem Executive Summit in Berlin.
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Digital Reinvention: Creating the Modern Bank with Open Platforms

According to an IBM study, advancing digital technologies, the increased demands of customers, and many new competitors require a profound change in banking. The pioneers of digital transformation are already taking action, positioning themselves at the center of open, agile platforms.
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Rethinking Corporate Banking: knowis Introduces the Opportunities of Platform Banking at Euroforum

End-to-end processes, platforms and AI – these are the topics that the Euroforum event 'Rethinking Corporate Banking', which takes place on April 4th and 5th, focuses on. knowis is part of the symposium and explains why the journey towards a banking platform pays off for financial enterprises.
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User Story Mapping in Software Development: Keeping an Eye on the Big Picture

In software projects, user story mapping helps to capture the big picture and understand the needs of stakeholders. Learn more about the basic principles of User Story Mapping and why we see its highest potential in combination with other professional methods.
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Banking Platform on Cloud: New Perspectives for Financial Services

The effort of setting up a suitable IT infrastructure is one of the reasons why smaller financial institutions often shy away from digitalization projects. But the competition from the fintech base is already in the starting blocks. A cloud-hosted banking platform can be an interesting alternative.
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knowis at IBM’s Think: Evolution in Platform Banking

The name of the annual IBM conference, to be held February 12-15 in San Francisco, is certainly an invitation. As an IBM business partner, knowis AG is participating not only with sessions on Open Banking, but also as part of a high-quality panel discussion.
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The BPM Developer as Solution Engineer: Breaking New Ground in IT

For software companies, the advancement of digitalization entails the challenge of diverse IT ventures in the financial industries. A good time for you to gain a foothold as a solution engineer with an innovative company: Together with knowis AG in Regensburg, you can break new ground.
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The Event Storming Method Applied in Digitalization Projects

When implementing digitalization projects, one of the key success factors is a comprehensive understanding of the processes. One possible method to achieve this understanding is called Event Storming. Read about what is behind Event Storming and the experience we have made using this method.
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Omnichannel Banking: A Prerequisite for a Seamless Customer Journey

In order to differentiate themselves from their competitors in the financial market, banks are increasingly focusing on the topic of customer experience. But anyone who wants to achieve true customer-centric models with a seamless customer journey cannot avoid the subject of omnichannel banking.
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One Year with PSD2: The Kick-Off for Open Banking

Since January 2018, the EU Directive PSD2 applies. This means more flexibility and transparency for the customers, but it entails a profound transformation of standards for banks. To profit nonetheless, financial institutions should rely on innovative business models and open banking.
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Why Platform Banking Is the Right Approach to Digitalization

Banks must change themselves quickly to remain important in a changing world. That's why platform banking is the right approach for banks to meet the challenges of digital transformation. And there are more reasons for this.
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Credit Processes of the Future: Commerzbank and knowis at the 8th Euroforum in Frankfurt

On 29th and 30th November 2018 the annual conference 'Credit Processes of the Future' of the Euroforum will take place in Frankfurt am Main. This year knowis AG can also be found in the list of speakers - as part of a joint presentation with Commerzbank.
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Learning from Retail: Why Banks Need to Sharpen Their Digitization Strategy

Digital transformation, a low interest rate environment and increasing regulatory requirements present major challenges for banks. Those who wants to remain sustainable in the market must pursue a clear business model. What banks should learn from the troubled department store company Karstadt.
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Case Study: Structured Financing of Large-Scale Projects

The expansion of renewable energies is a decisive trend in the energy sector. Within the context of this energy revolution, extensive infrastructure projects are required. In order to be able to use this source of income, banks must find a way of making its complexity manageable.
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The Role of Business Domains in Digital Banking

In digitalization projects within the lending business, complex relationships and dependencies need to be mapped in the system. At the same time, the system must be flexible to respond to any future requirements. Success in both areas is ensured by the use of modular components for business domains.
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A Dream Job Developing Software: It Does Not Have to Be in Silicon Valley

The field of activity of a software developer is very versatile and focuses on the conception, realization and maintenance of software systems. Michael Decker, software developer at knowis, talks about his experiences working in an innovative development team.
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The Most Important Stakeholders in the Digital Transformation of Finance

Only if all interest groups in a finance digitalization project recognize a clear added value for themselves and their concerns, they will support its implementation and the intended success can be sustainable. Who are the important stakeholders in a bank and how can they be satisfied?
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Corporate Banking: Lagging Behind in Digital Revolution

Digital transformation poses challenges for traditional banks. Innovative fintechs put them under pressure in retail banking - but not only there. How can this development in corporate banking be avoided?
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How Banks Meet the Most Demanding Governance Regulations with Digital Credit Management

With the aim of consistent risk management practice and harmonization of the definition of leveraged transactions, the ECB published a guideline to this effect in May 2017. How can banks ensure compliance with such governance regulations?
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New Business Models Through Platform Banking: IBM and knowis at CeBIT

At CeBIT in Hanover for the first time: knowis AG as customer and business partner of IBM. Using an innovative mobility concept as an example, the Regensburg software company demonstrated how banks can open up completely new business models through the use of platform technology.
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knowis Establishes Career Contacts with Students: Tips for a Successful Job Fair

On June 13th, more than 60 companies and organisations presented themselves at the 'Karriere-Kontake' recruiting fair in Regensburg and provided information on all aspects of career entry. knowis AG was on site with a team and summarized the impressions and tips for a successful job fair.
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The Future of Banking in Germany: Who Will Survive the Death of Banks?

Oliver Wyman predicts that the number of banking institutions in Germany will fall from 1,600 to 150-300 over the next 10-15 years. Can German financial institutions even protect themselves against the death of banks and their competitors, especially foreign banks and fintechs?
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knowis at CeBIT: New Mobility Concepts Through Structured Data in Banking

This year knowis AG will be at CeBIT. The potential of linked information in the banking sector will be demonstrated in a live showcase with an innovative mobility concept as an example. You will find knowis at the exhibition stand of IBM, in pavilion 34/35.
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Digital Loan Application Processing: The Clean Interface Between Front and Back Office

An essential interface in the loan business is located between customer service and the loan department, as a lot of data is exchanged here. By mapping all application elements in a digital workflow, information deficits between front and back office can be avoided.
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knowis Pushes Careers: 'Unternehmerbörse' in Hof

Ongoing exchange with science and universities is one of the basic prerequisites for sustainable corporate development. Therefore knowis is always looking for enthusiastic students, especially in the IT sector. A report of the visit of the 'Unternehmerbörse' 2018 in Hof.
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The Customers' Demands on the Finance Sector Have Changed: This Is What Banks Have to Expect

Clients' demands on services in the financial sector have changed dramatically in recent years. Increasing digitalization in all areas of life has also given rise to new expectations of financial service providers.
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Example of Digital Banking: Implementation of a Banking Software for Lending in Practice

Example Digital Banking: Digital transformation seems to be a big step in corporate lending business. Knowledge-intensive processes, often with exceptions, must be mapped and a lot of different legacy systems must be connected. We show the procedure for a digitalization project by a practical example.
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Why Digitalization is a Major Topic for Banks

For both financial service providers and customers, the digital era is leading to a paradigm shift. The problem: The data and system infrastructure of many financial institutions does not allow digital processes. In addition to customer requirements, regulatory requirements are also increasing.
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Five Success Factors of a Digitalization Project in the Banking Sector

The essential basement of any digitalization project in finance should be the creation of a reliable database. Using the following five success factors, you can see by the example of the corporate credit process what you should bear in mind when realizing your digitalization project.
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