There are enough challenges for financial service providers in Germany. The solution does not lie in buzzwords about digitization, not in branch closures according to the watering can principle, and also not in actionism, but in concrete, tailor-made measures, in appropriate steps that bring business and technology on an efficient path and at the same time do not lose sight of the customer base lose.

Without losing sight of the customer base

An interest rate level with no earnings prospects, FinTechs that are crowding the market, regulatory requirements that limit the scope for action and internal restructuring measures that have not been tackled for far too long.

In recent years, financial service providers have been literally driven by fundamental structural changes, modernization trends and digitization and are trying as best they can not to fall behind. Fund companies and asset managers learn about changing customer needs and expectations. Customers are paying more attention to product usage and costs as well as digital services and support.

Even for established insurers, there are a number of developments that require flexibility in the business model. On the one hand the age structure of the customers and on the other hand an increasing customer migration. Due to the corona crisis, another challenge is developing for the entire industry due to the shift to the home office. Along with this, further challenges, such as new concepts relating to data security, are uncovered, which can put financial institutions under pressure.

Where there are challenges, solutions must be found. These do not simply lie in the keywords digitization, branch closures according to the grain can principle and also not in activism, but in concrete measures. These measures are often linked to fundamental transformations. ARKADIA works with numerous large German financial institutions and supports core banking systems, payment transactions, process optimization, agile development, digitization and customer service and sales optimization. We develop concrete measures with you and implement them successfully with you - at eye level, humane and measurable.

The markets are saturated - it is all the more important to use the progress. Pressures from market saturation, increased competition, the search for new growth drivers and general economic conditions are forcing service providers to streamline and consolidate their businesses.

The markets are saturated

Pressures from market saturation, increased competition, the search for new growth drivers and general economic conditions are forcing service providers to streamline and consolidate their businesses.

But there are also growth opportunities and trends. These include topics related to the omni-channel experience, the growth of the wearable devices segment, mobile financial services, small and medium-sized businesses, large customers, the next generation of TV and virtualization. These include topics related to the omni-channel experience, the growth of the wearable devices segment, mobile financial services, small and medium-sized businesses, large customers, the next generation of TV and virtualization.

We support you in reducing costs in your core business and in tapping new potential. No matter what the topic, our experience enables us to take the risk out of your projects.

The energy industry is in a dynamic environment characterized by increasing competition, intensive regulation and the energy transition. Since political interventions are increasing unabated, existing uncertainties regarding the long-term development of energy policy will continue to solidify: the required investment security is no longer given. In addition, declining margins in the core business, increasing customer expectations and new business models and technologies will permanently determine the future prospects of energy suppliers.

It's time to change

The energy industry is in a dynamic environment characterized by increasing competition, intensive regulation and the energy transition. Since political interventions are increasing unabated, existing uncertainties regarding the long-term development of energy policy will continue to solidify: the required investment security is no longer given. In addition, declining margins in the core business, increasing customer expectations and new business models and technologies will permanently determine the future prospects of energy suppliers.

With the growing number of national/regional electricity and gas providers, customer switching rates are increasing continuously. The decisive factor for the choice of supplier is still the price. However, it is also evident that economic solidity and trustworthiness are becoming increasingly important. Customers' desire for a "local" energy supplier and the trend towards more decentralized structures illustrate the opportunities offered by regional offers.

In order to master these diverse challenges, "business as usual" with slight course corrections is no longer sufficient. It is time to question the status quo and find new answers.

We help you to grow your core business, increase operational efficiency and open up new business potential – all at the same time.