Asseco Customer Banking Platform in Deutsche Bank

Asseco CBP is a unique solution that combines the functionality of online and mobile banking to provide bank clients with access to business products and services. It is based on an innovative ecosystem of mini-applications. Bank clients may log in to the banking platform through a web browser and then use a number of available mini applications, including Payments, Cash deposits, Cards, and Loans.

“The implemented solution will bring multiple business benefits to Deutsche Bank by giving it a great deal of flexibility in the development of services offered over a remote access platform,” said Sławomir Ziajka, Director of the Commercial Banks Division at Asseco Poland S.A. “This way the bank’s clients will gain access to services tailored to their specific needs. Moreover, the bank will be able to group the mini-applications into special packages to be provided to different groups of clients,” he added.

Asseco’s task within this project was to supply, install and configure the system, as well as to train the bank’s employees. In addition, the company supported the software parameterization and provided assistance during the system testing and operational launch. Implementation of the project took about 6 months.

“Our clients can no longer be perceived as traditional customers of a bank branch, and instead they tend to become bank users,” commented Leszek Niemycki, Vice President of Deutsche Bank Poland. “They want to be able to use banking services at any place and time. Today, our clients focus primarily on the usability, intuitive operation and security of banking platforms. Furthermore, they demand a personalized offering. Therefore, we need not only to offer attractive financial products and services, but also to provide them in a modern environment,” he added.

Asseco CBP has been designed in total compliance with the RWD (Responsive Web Design) paradigm. Owing to that, the same software can be used on a variety of devices, including smartphones, tablets and desktop PCs. The system will automatically adapt its appearance and functionality to the device which is currently used by a client. In addition, open architecture of the solution enables the development of an unlimited number of mini applications with any scale of complexity and by various software providers, adding a lot of flexibility to Deutsche Bank operations. The Bank is also able to upload any additional components independently, gaining the possibility to provide new mini-applications to its customers quickly and efficiently.

“By creating this system we wanted to give banks the opportunity to promptly respond to the needs of their customers, which is very important in such a competitive market as the banking sector,” said Sławomir Ziajka. “The system allows for fast preparation and launch (time-to-market) of new banking services,  simply by adding additional mini-applications to offer new functionalities or upgrade the existing ones,” he added.

The implementation of Asseco CPB at Deutsche Bank constitutes an element of its omnichannel strategy. It is intended to integrate all new and traditional channels of communication with the bank into a single coherent environment. This means a client can get access to the same products and services of the bank, regardless of the channel of communication he or she chooses to use. Be it a smartphone, a personal computer, or a consultant at the bank’s call-center or traditional branch, the availability of products is nearly identical.

The banking platform engineered by Asseco provides a variety of other functionalities that can be  implemented by the bank in an effort to expand its business offering. One of them is the boutique of  mini-applications which may be downloaded by clients, similarly as from the Apple Store or Google Play. Each client can select just these mini applications that best match his or her individual needs, and thereby create a fully personalized banking platform.

The project of implementing Asseco CPB at Deutsche Bank Poland was presented during the Asseco Banking Forum that was held in Warsaw on 7 October. The event gathered numerous representatives from the sector of commercial and cooperative banks, as well as from the IT industry. Among the speakers were Adam Góral, President of Asseco Poland S.A., Artur Klimczak, Vice President of Getin Noble Bank S.A., Leszek Niemycki, Vice President of Deutsche Bank Poland S.A., Jacek Obłękowski, Vice President of PKO Bank Polski S.A., and Zbigniew Pomianek, Vice President of Asseco Poland S.A., all of whom took part in the discussion panel entitled “Customers turn into bank users”. During the forum, we also presented Asseco OBS (Omnichannel Banking Solution), a software package that comprises both Asseco CBP and Asseco UFE (Universal Front End), which provides a universal and consistent interface for bank consultants, integrating in one place all the required functionalities of various IT systems.