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Banking & Capital Markets

Change needs new ideas and a reliable partner

Dr. Andreas Werner


Our Services

Trading & Sales Commercial & Retail Banking Operations Risk Finance Regulation & Compliance Sustainability Technology Outsourcing

Trading & Sales

Our unique selling proposition is our ability to cover a broad range of topics whilst at the same time offering in-depth, detailed knowledge of products, processes, methods, and models. We can support you in analysing the impact of regulatory changes as well as in designing and validating your quantitative models for pricing and xVA. We review your trading architecture and operating model and support you in introducing or upgrading your trading and limit systems. We orchestrate your processes and digitize your customer interface.


Case studies

Internal risk models for credit and market risk
Building a cloud-native risk platform
Modern system solutions in trading, risk and transactions - designed, validated and in production
Large-scale data processing for financial supervision purposes
Complete modernisation of the reporting infrastructure for CoRep, FinRep and statistics
Providing guidance for acquisition and integration

Digital Finance

"The future of finance is digital."

(Valdis Dombrovskis)

In the financial sector, digital transformation is one of the central trend topics of the coming years. The EU Commission is also ushering in a new digital era in financial regulation with numerous initiatives in the area of "digital finance".

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Blockchain case studies

Financial market infrastructure SSD prototype Trade finance prototype Ethereum derivatives trading prototype

Financial market infrastructure

Blockchain proof of concept for financial market infrastructure

Development of a Proof of Concept with Smart Contracts in Ethereum and Hyperledger.

d-fine developed and evaluated different business cases for using Blockchain and Distributed Ledger Technology in the context of financial market infrastructure: for Real Time Gross Settlement Systems and issuance of securities. With our client, we developed the prototypes end-to-end, from the user interface to the smart contracts and infrastructure setup.



Cross-Border Payments

The critical path of modernizing a multi-trillion-dollar-market

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Consultation on the 8th MaRisk amendment – National implementation of the EBA guidelines on IRRBB and CSRBB

On 15 February 2024, BaFin published the consultation version of the 8th MaRisk amendment. The consultation phase will run until 14 March 2024 and the…

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CRR III is coming – Changing credit risk management and regulatory reporting

New requirements

According to current plans, CRR III will come into force at the beginning of 2025 and will bring changes to credit risk, market…

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BCBS 239 and Risk Data Aggregation and Risk Reporting (RDARR) – the gloves are off

In a recently published consultation paper, the ECB challenges the banking in-dustry in the context of risk data aggregation and risk reporting…

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Disruptions in NMD market on the way

Data based prediction of the deposit structure in Germany and Austria

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