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Future of Banking & Insurance
Disruptive changes in the market pose new challenges for banks and insurance companies. There are many reasons for this: from market players and innovations, technological change and progress to changing customer expectations. We tackle these challenges and find the solutions.


The banking and insurance industry is facing a major shift as a result of the ongoing digital transformation. Customers and companies expect more flexible services and offerings from providers in this environment. At the same time, new players are entering the market with innovative technologies and products that work in an agile and data-based manner in order to fulfill the wishes and requirements of customers with new products and services. It is therefore particularly important for this sector to rethink business models and strategies. 

Future of banking & insurance I Latest news


The demands of customers and companies on banks and insurance companies are becoming increasingly complex and require a rethink. We present all the relevant trends and developments: from neo-banks and car insurance 2.0 to sustainable finance and identity services.   


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The simpler the payment process in e-commerce, the more often customers complete a purchase. Payment providers can improve the customer journey in many ways with their services. In our white paper, we use examples to demonstrate how providers are taking the payment experience to the next level and what opportunities and risks this presents for retailers.   


The number of sensitive transactions conducted online is rising steadily, and with it the need for digital and legally compliant identification processes for customers. This creates a great need for secure verification of digital identities and thus a new business potential for banks. In our paper, we analyze the market, present business models and provide tips on strategy and implementation.  


Future of banking & insurance I Latest news


How do pension plans and the lifestyle of the younger generation fit together? This case shows how a pension product has been convincingly adapted to the requirements of the younger generation. In order to offer the target group an intuitive, informative, inspiring and, above all, seamless customer experience, we prepared the lead experience (landing page), purchase experience (application section) and customer experience accordingly.



Expert talk

Future of banking & insurance I Latest news


The easier the payment process is made for the customer, the more likely they are to complete the purchase process. Yet what sounds so simple is not always easy to implement in reality. In this episode of his videocast #Running Digital Transformation, Marcus Worbs, Managing Director diconium strategy, talks to Erik Meierhoff, Managing Director at S-Payment GmbH, about the role of banks in e-commerce, the experience of introducing the Girocard to Apple Pay on the German market, and the challenges of invisible banking.




About us

Digitalization has no limits. It is never-ending, never complete. And it determines our work processes – from strategy development to sales. In digitalization, everything is connected. That is why we've been enabling leading companies for digital commerce with our entire expertise since 1995. From strategy, technology, data, to organization and transformation – end to end. Helping them to master every challenge. Transforming strategy and operations into powerful results. And taking the next crucial step forward. By pushing the limits of what it means to scale digitally.

Our goal: Providing every client, every employee, and every company with the tools, organizational capabilities & skills they need: To become protagonists of digitalization and to forge their own successful paths. In a digital ecosystem in which they can grow. Outpacing their competition. Always able to inspire and convince with their creativity and passion. To unleash their digital potential.

We are working on this every day with more than 2,000 colleagues at our worldwide locations in Europe, North America and Asia. For industry leaders and challengers such as Volkswagen, Bosch, Kodak Alaris or Sick. As a part of Volkswagen. Independent in the way we think and act.

We boost your digital commerce.
We expand your digital ecosystem.
We accelerate your digital growth.

diconium: Creating Digital Champions.
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