Discover Technologies

We promote the regular exchange of knowledge on innovative technologies

The challenge:

Through technology scanning and constant monitoring of current market trends, our Innovation Lab continuously builds knowledge and in-depth know-how. This expertise is passed on to our Competence Centers throughout the company by means of internal workshops and prepared information material to promote joint exchange. Furthermore, we are in close dialogue with SAP and our customers to discuss current developments, trends, and innovation endeavors.

Your ponturo benefits:

  • Competencies in the latest technologies
  • Pooling of innovative expertise

Your ponturo contact:

Felix Kreuziger

Felix Kreuziger
Leiter, Innovation Lab

Reveal Innovation Potential

We analyze established business processes with regard to their innovation potential

The challenge:

In times of digitalization, our customers face the challenge of dynamically aligning their processes with market developments and positioning themselves competitively. Open banking, digital currencies, but also economic crises such as the Covid 19 pandemic require intelligent solutions to optimize existing business processes. With our accumulated know-how of the latest technological developments in the market, we can reveal the innovation potential of our customers.

We offer a comprehensive ponturo Digitalization Check, in which we analyze our customers' business processes and IT infrastructure to ensure their future viability.

Your ponturo benefits:

  • ponturo Digitalization Check
  • Creation of future-oriented business processes

Build Prototypes & Implement Solutions

Not just theory - We create solutions in collaboration with our customers

The challenge:

Based on our newly gained insights, as well as our accumulated expert knowledge of existing problems from our customers' everyday business, we develop new innovative approaches to solutions, which we usually realize in the form of prototypes. These are not just theoretical approaches, but functional applications based on blockchain technology, robotic process automation or machine learning algorithms, among others. Our focus in every development is on the actual added value for our customers and the concrete feasibility. We then integrate the solutions developed in this way into our customers' regular operations.

Your ponturo benefits:

  • Agile development of solutions in cooperation with the customer
  • Active design of "hands-on" applications
  • Support of implemented solutions with in-depth know-how

ponturo Solutions

Machine Learning: Intelligent loan offer

The challenge:

Our application ensures that an individualized loan offer for new customers can be created in the shortest possible time based on data from the data managing system (e.g. SAP CML). Individual conditions are determined based on the risk profile of the respective customer. Likewise, loans at risk of default are identified before they are issued, resulting in risk optimization for the issuing bank. Our application is based on a machine learning supported process. This enables a continuous, automated optimization of the individualized offer creation along an enlarging database.

Your ponturo benefits:

  • Risk optimization through loan terms according to the individual risk profile
  • Profitability of the loan portfolio increases, as default risks are minimized
  • Fast creation of loan offers by eliminating manual processing
  • Machine learning supported process ensures continuous optimization of the offer creation process

 

Robotic Process Automation: Data Quality Checks

The challenge:

Using Robotic Process Automation, we developed an application that checks the quality of input data for accounting before further processing. The RPA bots automatically analyze the consistency of the market and master data provided by source systems, ensuring that no errors occur due to incorrect input data within the downstream processing via accounting solutions (e.g. Classic AFI or SAP FPSL).

Your ponturo benefits:

  • Significant time savings through automated processes
  • Error identification and data quality assurance of input data for accounting purposes
  • Avoidance of complex errors during processing
  • Sequenzbasiertes Coding erlaubt eine einfache ├ťbertragbarkeit auf weitere Pr├╝fungen

 

Blockchain: Sofortige Auszahlung von syndizierten Krediten

The challenge:

Using Robotic Process Automation, we developed an application that checks the quality of input data for accounting before further processing. The RPA bots automatically analyze the consistency of the market and master data provided by source systems, ensuring that no errors occur due to incorrect input data within the downstream processing via accounting solutions (e.g. Classic AFI or SAP FPSL).

Your ponturo benefits:

  • Significant time savings through automated processes
  • Error identification and data quality assurance of input data for accounting purposes
  • Avoidance of complex errors during processing
  • Sequence-based coding allows easy transferability to further checks