IM TREND KEBA CUSTOMER MAGAZINE ISSUE 1/2016

The bank branch of the future – How challenges can become chances Frankfurter Sparkasse – How cash recyclers boost a sales strategy KEBA celebrates its tenth birthday Company

Company

2 The bank branch of the future – how challenges can become chances The bank branch of the future 4 Raiffeisenbank St. Martin-Lofer- Weißbach: Cash recycling next to the skiing slope How challenges can become chances

6 Frankfurter Sparkasse: How cash recyclers boost a sales strategy

9 Sparkasse Koblenz: A systematic sales strategy Banks are currently “taught” to use self-service and are 12 A flexible service concept for experiencing tough times thus increasingly independent and improved quality self-sufficient. Today, they want to Banks and savings banks have been deal with their banking business 14 2,000th cash recycler for catapulted out of their comfort zone when and where they wish. This cus- the Sparkassen-Finanzgruppe Deutschland and the cost-income gap continues tomer empowerment means that the to widen. Therefore, efficiency has customer call for banking “wherever, become a key issue and a growing whenever and however I wish” con- International number of banks and savings banks fronts banks and savings banks with 16 KEBA Romania celebrates its have switched their focus to the topic a major challenge. tenth birthday of “new branch structures”. In combination with rising costs, low Service Automation Customers have it easy interest rates, statutory regulations, a difficult economic climate and new 18 The digital revolution in the world At the same time, advancing digi- competitors (e.g. so-called fintechs), of parcel automats talisation has greatly changed com- it is hardly surprising that some finan- munications with customers. They cial institutions are considering the Bulgarian logistics company opts have a wealth of contact points with closure of individual branches. for KEBA their bank, whether in the branch, via online or mobile banking, by means of Branches are still the main Energy Automation self-service devices, social networks, sales channel or call centres, etc. 19 International Motor Show IAA However, branches continue to be the Cooperation with Loxone for the Wherever, whenever and main channel for bank sales and clo- smart home of the future however the customer sures also harbour the danger that desires customers may change banks. There- fore, the task is to transform current In addition, customers are becoming challenges into chances. In all cases, Owned and published by: KEBA AG, 4041 , Gewerbe- park Urfahr, Phone: +43 732 7090-0, [email protected] steadily more demanding and flexi- branches should be so designed as to Editor: Nina Lang, Pictures: Gregor Hartl (p. 4,5), Jochen Kratschmer (p. 6,7,8), Benjamin Stollenberg (p. 14,15), Kys- ble. In recent years, they have been be attractive to their clientele. art Photography (p. 16,17), Fotolia Layout: Claudia Gujon, Translation: John Cima

2 IM TREND Company

Branch type differentiation agement) staff can be relieved of rou- always the cornerstone of new branch tine work in order to have sufficient concepts and first makes them feasi- With new structures and concepts free time for sales and consulting ble. It eases employee burdens while such as the use of differing branch activities. simultaneously raising the level of cus- types (consulting centres, service and tomer service. self-service branches) a strong pres- Omni-channel instead of ence can be retained and the cost multi-channel banking In this and the next edition of “Im structure optimised at one and the Trend”, we will repeatedly present you same time. Each branch type offers a Another approach for increased cus- with banks and savings banks that differing range of services in line with tomer satisfaction and loyalty is so- have turned challenges into chances the motto, “the right branch type in called omni-channel banking. This and you will be able to learn how this the right location”. allows the smooth transition of trans- has been achieved and what are the actions started in one medium (e.g. resultant, current benefits. New roles for employees mobile banking) to another (e.g. self-service) and their subsequent The next issue of “Im Trend” will also Employees represent the decisive fac- continuation. spotlight the solutions that KEBA will tor in the successful implementation of soon have ready for the tasks of today such new branch concepts. Through Technology as a cornerstone and tomorrow, and therefore we can the definition of new roles (from the promise you exciting reading! traditional counter tasks to floor man- Whatever the case, technology is

Yours sincerely, Franz Berger, MBA KEBA Banking and Service Automation Business Manager

IM TREND 3 Austria Cash recycling next to the skiing slope

When was the KEBA KePlus X6se nal and an ATM in just one cash recy- val season we had absolutely no prob- recycler installed at your bank? cler with a closed cash cycle clearly lem with waiting times. stood to reason. Peter Faistauer: We have had the Why did you select a KEBA cash new recycler since May 2015, although Markus Schmuck: In addition, the recycler? previously had a KEBA cash deposit manipulation requirement had become terminal with a coin counter for ten ever greater. We had been using “man- Faistauer: We were already years. At the time this was installed, ual recycling” and had filled up our extremely happy with our KEBA cash we were only the fourth bank in Salz- ATMs with the deposited banknotes deposit terminal, as the system’s sta- burg to have such a machine. from the KEBA machine, which in the bility level was very good. In view of long-term was no longer acceptable. the fact that the purchase of a recy- Gerald Unterberger: We pur- cler was involved, for us it was there- chased the cash deposit terminal in To date have you had cause to regret fore clear that we would again turn to 2005 in the course of branch con- your decision to remove the ATMs proven quality. In addition, the price- version work, as that was when we entirely and rely on just one cash performance ratio of the KEBA recy- introduced the concept of supported recycler? cler fitted the bill to perfection. self-service. Faistauer: I must admit that our How have you, your colleagues and Thanks to the banknote and coin executive management initially had customers benefited from the cash counter, we were able to reduce the doubts that we would get by with only recycler? use of the night safe and thus raise the one machine and owing to the fact that efficiency of our branch operations. our region is highly dependent upon Unterberger: Our service specialist winter tourism, the summer months now has more time, alone due to the Faistauer: However, last year the that shortly followed system installation fact that only one system needs to be terminal reached the end of its service were not meaningful. It is only now that maintained. life and therefore we had to consider a we can see how successfully the recy- new purchase. The combination of a cler has been running. During our very Hildegard Hagn: This is correct. deposit terminal with a coin side termi- busy period in February with the carni- The demands on my time have been

4 IM TREND Austria

It is frequently assumed that large branches with several ATMs are needed for successful cash recycling. However, the Raiffeisen bank in St. Martin-Lofer-Weißbach with three branches and twelve employees proves just the opposite. In its main branch in Lofer there is just one machine, a KEBA cash recycler with a coin deposit function, that handles all cash transactions on a self- service basis. Reason enough to visit the small community in the Pinzgauer Saalachtal (Salzburg).

Raiffeisenbank St. Martin-Lofer-Weißbach

reduced greatly. Previously, I spent You have installed the recycler in a Our customers will not notice any dif- between four and five hours per week locked room. May we ask why? ferences, as the transaction speed is emptying and servicing the deposit ter- very high and the tempo of the with- minals with subsequent checks of the Schmuck: We have a sizeable busi- drawal is absolutely comparable with banknotes and the filling of the ATMs. ness clientele, which consists largely of that of an ATM. In the meantime, the requirement is innkeepers, lift and après-ski bar own- down to one, or a maximum of two ers, who first pay in when it is dark. In general, we make daily efforts to hours. Therefore, a niche that can be locked bring our customers to the self-ser- has proven to be highly practical, as vice systems. We believe in the sup- I now only have to service one machine our customers thus have a greater ported self-service concept and are with far fewer notes and the massive feeling of security. convinced that we can also awaken extent to which the system has been enthusiasm among our older clients further developed is clearly evident. It Faistauer: The only disadvantage is for modern technology. runs as smoothly as the old ATM, but that some of our customers have prob- is not as sensitive and therefore I need lems finding the machine. They keep to clean it less. going to the spot where the ATM stood previously and therefore we intend to Interview with: Faistauer: We also have a further implement a number of measures such Peter Faistauer (Manager) cost saving, as we have been able to as better signposting and marketing in Gerald Unterberger (Manager) reduce our cash orders to GeldSer- order to make withdrawals using the Markus Schmuck viceAustria (GSA). Indeed, the closed recycler more attractive. (Customer consulting and counter) cash cycle cuts the expense of both Hildegard Hagn cash supply and removal. (Main cash desk and counter)

IM TREND 5 Germany

The Frankfurter Sparkasse has been a customer for KEBA’s self-service cash recyclers since 2014 and in 2015 the Austrian manufacturer again won a new competitive tendering process. Since then KEBA has been supplying the Sparkasse with even more intensive support during the reali- Frankfurter Sparkasse

Thomas Heck and Sascha Beege (Frankfurter Sparkasse) How cash recyclers boost a sales strategy

The Frankfurter Sparkasse has been furter Sparkasse with some 80 sys- tions and generally secure the self-ser- operating automated cash recyclers, tems. Thomas Heck explains this deci- vice cash supply in combination with at which represent ATMs with a closed sion as follows: “KEBA convinced us least one ATM. cash cycle, since 2006. Following a in every disciplinary regard. However, change of manufacturer in this field above all we were impressed by its Intuitive operation in 2013, the bank has increasingly exemplary teamwork during the ten- employed KEBA KePlus R6se recy- dering phase and stable production As Sascha Beege stresses, apart from clers with the result that since then, operations.” reliability, the simple operation offered new and replacement purchases of to everyone coming into contact with this system have served to continually Reliability the systems is of major significance: support its sales strategy. “Our customers and employees con- Sascha Beege: “As evidenced by its tinually refer to the straightforward and A strategic partner manufacturing operation, the use of intuitive nature of their operation. More- KEBA systems has facilitated a further over, this is also confirmed by the sup- In 2015, KEBA again won a cash recy- and measurable improvement in cash plier of multi-vendor services, who has cler tender as a strategic partner and recycler stability and reliability.” The been contracted to carry out machine by the time that the contract is com- trusty cash recyclers are employed at maintenance.” pleted will have supplied the Frank- roughly forty of the bank’s ninety loca-

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sation of its self-service area sales strategy. The following is a look back and forward with Thomas Heck (Head of the ORG/IT-Service-Retail Banking Department) and Sascha Beege (responsible for banking automation).

Sparkasse

How cash recyclers boost a sales strategy

For Sascha Beege the KEBA cash sys- or in other words thematic areas with Finally, the third field of experiment tems used in the self-service area rep- which we must or wish to concern our- involves branch concepts and the resent a cornerstone of branch suc- selves in order to establish a clear pic- related question as to the extent to cess: “Throughout their life cycle and ture regarding tomorrow. For me, there which the combination of employee- in particular the installation and opera- are three extremely important fields of and customer-operated, self-service tional phases, the ease and efficiency experiment: The first of which is how devices can offer flexible application of system handling is a highly impor- our customers can experience the possibilities.” tant and advantageous factor.” closer links between the online world and the real world in our branches. Fields of experiment “During the partnership Secondly, we are concerned with the with KEBA, which has In response to the question as to question as to the value added that the now lasted more than where the trend in banking, self-ser- interaction with the customers via self- three years, challenges vice and the branch environment is service devices offers, even though I have always been heading, Thomas Heck has clear am of the opinion that the core busi- regarded as shared ideas: “Personally, I always find it diffi- ness of all types of ATM will continue to tasks and solved as cult to adjudge trends, therefore I pre- revolve around the provision and han- such.” Thomas Heck fer to use the term fields of experiment, dling of cash. To be continued on page 8.

IM TREND 7 Germany

Frankfurter Sparkasse: An example of modern branch design

Dreieich-Sprendlingen branch

The modernised branch concept introduced in 2006, which was devel- oped for the operational units, foresaw the support of self-service cash solutions by means of cash recycling systems. This concept was sub- sequently modified in 2015, but without any changes to its fundamen- tal elements.

The aim is to design the architecture of the branches in a manner that offers a guarantee of the best possible customer communications. For example, this is achieved through stronger linkage between the con- sulting and service areas. As a consequence, a modern self-service area has been created at the Dreieich-Sprendlingen location, which also serves as a customer contact point. In the conference rooms large mon- itors provide enhanced networking between the various channels used to address customers such as online consulting.

“Self-service systems support branch success.” Sascha Beege

8 IM TREND Germany A systematic Sparkasse Koblenz sales strategy

Using a comprehensive and systematically imple- mented self-service strategy, the Sparkasse Kob- lenz has successfully reduced its expensive cash processes and raised its branch productivity. As a result, “Im Trend” asked Klaus-Dieter Plaggen- meier (the head of the ORG-IT Company Business Service Area) for an interview.

Sparkasse Koblenz introduced self- service and supported self-service (self-service cash desk) at an early stage. When was the beginning? We already started to concentrate our focus on self-service at the end of the 1990s and decided to automate all the person-related services processes involving cash. The systematic imple- “Self-service is a key element of our sales strategy. mentation of this self-service cash We do not need TAUs but a high stability of the self-service desk philosophy had the objective of terminals.” cutting the sizeable handling and logis- Klaus-Dieter Plaggenmeier tics costs connected with cash and Head of the ORG-IT Company Business Service Area service processes, while raising pro- ductivity. In concrete terms, this meant a reduction in personnel expenses and an increase in customer satisfaction. This proved to be straightforward as required. The resultant break-even- Gradually our cash desks and TAUs the ECB had approved the recycling point was established as being approx- disappeared from our branches. In this function in 2002 and at the time, our imately 4,500 self-service compatible manner, we automated payments rela- computing centre was already able to deposits per year and branch. tively quickly and it was then only log- provide the relevant support. ical to automate deposit procedures. In 2013, we developed this strategy Were the recyclers installed on a gen- further and subjected our cash pro- Did you use mono-functional deposit eral basis, or individually according to cesses to another intensive exami- machines initially, or cash recycling branch? nation. This led to a further reduction systems from the word go? The basis for operational decisions in the break-even-point, which now We opted for cash recyclers from the was provided by calculations of stands at 1,500 cash recycler depos- outset in order to reduce markedly the the balance between the additional its per year and branch. deposit transactions previously com- expenses for cash recyclers and the pleted manually at the cash desk and reduction in costs derived from the fact to realise the largest possible savings that various processes and the ser- To be continued on page 10. potential. vices of CIT companies were no longer

IM TREND 9 Germany

How Sparkasse Koblenz increases branch efficiency with self-service banking...

ject the machines to genuinely rigor- ous testing for a period of nine months. Apart from the commercial and techni- cal data, which demonstrated a clearly positive balance as compared to com- petitors, we were thus able to obtain the impressions of our customers. The results were astonishing, as the cus- tomers utilising the KEBA machines found their operation simple and intu- itive, even though we had not adver- tised them in any way and our clien- tele was already used to the compet- itor devices.

In addition, our personnel, who have to be able to deal with the machines Sparkasse Koblenz relies on KEBA‘s from a technical perspective, rated the highly available cash recyclers KEBA systems as good because they very seldom had to intervene and han- dling was straightforward owing to the Are there branches where only cash advantages, our bank also aimed to clearly arranged machine structure. recyclers are available? improve security through a reduction in It is our strategy to install an ATM cash stocks. Furthermore, the closed What were the consequences of wherever we no longer have a cash cash cycle has also cut our CIT com- the KEBA machines successful pilot desk. If the appropriate deposit quota pany costs. phase? is reached at a branch, the ATM is We opted for KEBA as the new sup- replaced by a cash recycler and should It is permissible to say that you recently plier of our cash recycling systems and the withdrawal frequency be higher, became a KEBA customer and since purchased ten machines, in order to then we add a further ATM. Cash recy- 2014 have its recyclers in operation. equip additional branches during the clers are part of the basic equipment Would you kindly tell our readers how spring of 2015. Owing to the high lev- at 95 per cent of our branches and are this came about? els of stability of the KEBA recyclers, therefore an important element within Our augmented self-service strat- we also completed a “ring exchange” our sales strategy. egy from 2013 resulted in a marked and installed the KePlus systems at increase in the need for cash recyclers high-frequency locations. This was How did your customers react to and for this reason we decided to allow only logical, as in the case of high fre- the switching of transactions to our customers and staff to test KEBA’s quencies and a strategy that fore- self-service? machines during a pilot phase. sees no cash desks; we need maxi- Our customers were very pleased mum stability, as we cannot afford any by this change. They appreciate the How did these KEBA recycler tests downtimes. advantages of a 24-hour service and turn out? the fact that they need no longer take We deliberately installed the KePlus What is the availability level of the our business hours into considera- R6se in our branches with the highest KEBA recyclers in your bank? tion. Apart from these process-related self-service frequency in order to sub- The KEBA recycler systems offer peak

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performance of over 100,000 transac- Nonetheless, in spite of, or perhaps actions are too small in order to be able tions and we attain availability of 98 per due to digitalisation, our branch net- to maintain the required quality. There- cent and above. This means there is work remains our core element. We fore, we are considering the possibility no difference to a standard ATM and thus retain an area-wide presence, but of offering qualified consulting in advi- we can furnish our customers with will react to changes customer behav- sory centres. The DSGV is support- a round-the-clock guarantee of the iour patterns and follow our clientele ing this initiative with its “Sales of the 24-hour availability of our self-service wherever it leads by means of a sys- Future” strategy. machines. tematic, multi-channel approach. This also applies in the medial field. Finally, can we take a joint look into the What is the current self-service ratio? future? In your opinion, what direction We only have conventional cash desks Therefore we will expand sales in this is the trend in the self-service area at two branches. 97 per cent of all area and upgrade our qualifications in taking? withdrawals are dealt with on a self- order that within this environment cus- In future, the structures in the customer service basis and the remaining three tomers will be able to not only obtain self-service area will change markedly. per cent such as savings withdraw- services and complete transactions, als, via White Card. Our target was to but also receive financial offers, which Apart from further quality services with achieve the automatic handling of up they can take up directly. product sales, we must offer our cli- to 80 per cent of the self-service com- entele further support and simpler ser- patible deposit transactions suitable Many banks and savings banks have vice processes using the QR code and and a large number of our branches also begun to differentiate between NFC technology. Associations, com- have already achieved this goal. their branches and consider carefully puting centres and the manufacturers where they will offer which services. of self-service systems have to coop- Digitalisation, falling interest and omni- erate in this field, in order to respond channel banking are all current buz- Future business models must employ to the requirements of our technophile zwords. What are your reactions to the a mix of stationary and medial chan- clientele and not fall behind. challenges of today and tomorrow? nels in a modified sales strategy, With the automation of our cash pro- which is in line with customer needs. cesses we already took an anticipatory In years to come, this will result in the step forward many years ago and have fact that we will no longer be able to thus completed the optimisation of our offer every service at every branch. In cost structure. small branches, the numbers of trans-

IM TREND 11 Germany

A flexible service concept for improved quality

What service concept is KEBA pursuing? Maas: Our concept in the service area is highly flexible. It consists of a blend of a multi-vendor strategy with authorised service partners and sup- port through KEBA’s own service engi- neers. I dare to state that this concept is unique among ATM manufacturers in Germany.

What exactly does this exactly look like? Satzinger: We have oriented our Georg Maas (Head of Customer Service) and Christian Satzinger concept towards customer wishes and (Head of Service Deutschland) during the interview believe in a market-open, multi-vendor strategy. In concrete terms, this means that we cultivate partnerships with And thirdly, we wish to offer our clien- What concrete advantages do banks selected, leading suppliers of multi- tele a full cover, top quality service. It and savings banks obtain from this vendor services. Our service partners is precisely our hybrid service concept concept? Would a company service are banqtec AG and synfis GmbH, that enables all three of these objec- for the financial institutes not have which are both active throughout Ger- tives to be achieved. been better? many, as well as Amrehn & Partner Maas: For our customers, our mar- GmbH, which above all is strong in When was this concept formulated? ket-open, multi-vendor service con- the northern Bavaria region. In addi- Satzinger: With entry into the Ger- cept stands for quality and flexibility. tion, KEBA’s key engineers, who rep- man market in 2004, a decision was Our authorised service partners offer resent the heart of the “technical trian- taken to not provide services with a a first class multi-vendor service that gle” formed by the company, its cus- company team, but rather via coop- also covers non-KEBA products. tomers and service partners, offer sup- eration with selected partners. We port to both of the latter groups. looked for proven partners possess- As a result, our clients have only one ing the appropriate know-how in the point of address for all service matters, What is KEBA’s underlying strategy? service sector in Germany and they which greatly simplifies the complexity Satzinger: Our service concept rests subsequently contributed a very great of the related issues. In addition, finan- on three cornerstones. Firstly, we nat- deal to the fact that we were then able cial institutions can conclude a manu- urally wish to secure the lasting sat- to secure a firm foothold in Germany. facturer service contract directly with isfaction of our customers. Secondly, Today, our partners support and ser- KEBA, as there are naturally custom- reliable support must be guaranteed vice approximately 5,000 KEBA cash ers for whom this is important and we throughout the entire product life cycle. recycling terminals. also wish to satisfy their requirements.

12 IM TREND Germany

KEBA’s unique service concept for Germany places a focus on quality and flexibility

The flexibility provided by the choice established and authorised by us. We at KEBA. This means that the know- between these different approaches is secure quality through this authorisa- how surrounding our equipment is fed important to us and as we have seen, tion, which offers banks and savings directly into training and teaching and also to our customers. banks important protection, as in the is then updated and extended on an course of this process the services annual basis for PREMIUM engineers. Satzinger: In my opinion a key ele- provided by our partners are precisely ment in our service concept is the fact defined. In addition, all service partners that all our service partners are well have to complete training or coaching

KEBA service team in Germany

Kevin Thieme (Southern Area), Gunnar Hunger (Northern Area), Frank Räse (Western Area), Christian Satzinger (Service Manager Germany), Konstantin Prax (Eastern Area) and Service Mana- ger Jens Kämpfe (from left to right)

The combination of KEBA’s key engineers and experienced service partners represents an impor- tant factor in KEBA success in the German market. Christian Satzinger and his team, as well as the roughly 300 service engineers from KEBA’s certificated partners ensure first class service across the entire country.

The KEBA key engineers are always close to the customers from the preliminary discussions to suc- cessful pilot phases and are available for a range of concerns throughout the entire life cycle of the ter- minals. All the employees in the KEBA services team have been on board for many years and some even since entry into the German market in 2004.

KEBA’s recipe for success benefits from the close networking between all the company units in Linz, those directly on the front in Germany and the authorised service partners. The intensive contacts to Amrehn & Partner GmbH, banqtec AG, synfis GmbH and their service engineers, who operate in dif- fering customer segments throughout Germany, provide proximity, a high degree of flexibility and the best possible customer support.

IM TREND 13 Germany

Kreissparkasse Ludwigsburg

The Kreissparkasse also uses KEBA service terminals besides the cash recycling ATMs.

A proven partnership Continual expansion of tems, during the year opted to buy 19 the installation basis KEBA KePlus R6se cash recyclers. In terms of its total assets, the Kreis- sparkasse Ludwigsburg is the second Matthias Ahrens, the KEBA Savings 2,000th recycler for the largest savings bank in Baden-Würt- Bank Sales Manager, adds: “When German savings bank temberg and is ranked 16th nationally. we launched our new self-service ter- market It has been a KEBA customer since minals onto the market in 2010, we 2008 when the first two company cash were again able to convince the Kre- The final system to be delivered in the recyclers were installed at the bank’s issparkasse Ludwigsburg of the sys- course of this roll-out was also the main branch. tem’s merits.” As a result, the sav- 2,000th KEBA cash recycler to be sup- ings bank placed a general order for plied to the German savings bank mar- According to Martin Gresser, the 85 KePlus K6 account service termi- ket and this provided a perfect reason bank’s Organisation and IT Manager: nals, which were installed in the period for Gerhard Luftensteiner (CEO, KEBA “The systems demonstrated great up to 2011 and since then have dem- AG) and Matthias Ahrens (Savings operational stability from the out- onstrated their excellence in customer Bank Sales Manager) to travel to Lud- set and we were positively surprised operations. wigsburg in order to meet Dr. Heinz- by their outstanding performance.” In Werner Schulte, the CEO of Kreis- fact, the KEBA machines proved so In 2015, the Kreissparkasse Ludwigs- sparkasse Ludwigsburg and present convincing that since this initial pur- burg had to consider new ATM pur- him with a cake to mark this pleasing chase, the Kreissparkasse Ludwigs- chases and in view of the fruitful coop- event. burg has relied exclusively upon KEBA eration and positive experience gath- in the cash recycling field. ered with the previously delivered sys-

14 IM TREND Germany

KEBA installs the 2,000th cash recycler for the Sparkassen-Finanzgruppe Deutschland

KEBA recently celebrated the passing of another important milestone with the delivery of its 2,000th cash recycler to the S-Finanzgruppe Deutschland. This was installed at the Kreissparkasse Lud- wigsburg and provided an excellent reason for all those involved to gather at the savings bank for a joint celebration.

Steady market position of its recyclers throughout Germany, ised by enormous transition, for us it is consolidation 2,000 of which have been supplied to important to be a stable partner for our savings banks alone. KEBA has thus customers.” Gerhard Luftensteiner: “Over the years, constantly gained market share in Ger- we have continually strengthened our many and in the meantime nearly every Intensive partnership market position in Germany and above second savings bank numbers among all, savings banks are a major prior- its customers. From the outset, intensive partner- ity. I am therefore especially proud ships with its customers represented of the fact that today we can cele- The German core market a KEBA priority, as confirmed by the brate the delivery of the 2,000th KEBA Kreissparkasse Ludwigsburg CEO, Dr. cash recycler to the Kreissparkasse Gerhard Luftensteiner is at pains to Heinz-Werner Schulte: “Apart from the Ludwigsburg.” stress the importance of the German products, what we appreciate most market: “Germany is and will remain with regard to KEBA is its honesty and All in all, the Austrian manufacturer one of our core markets and at a time the fact our relationship is based on KEBA has already installed some 4,700 when the banking world is character- partnership.”

Kreissparkasse Ludwigsburg

With total assets or around EUR 9.9 billion (2015 financial year), the Kreissparkasse Ludwigsburg is not only the market leader in its busi- ness area, but also one of the largest district savings banks in Germany. Customer deposits of around EUR 6.5 billion and a credit volume in excess of EUR 5.3 billion are the result of cooperative teamwork with both retail and company customers, as well as the local authorities in the Ludwigsburg administrative district.

Proximity is no accident, but deliberate policy

Proximity to the customer is the Kreissparkasse Ludwigsburg’s most important objective, as the bank feels a special obli- gation to the local population in an economic, ecological and social regard. Customers have over 100 branches at their disposal with modern centres for real estate, private banking, business, company and commercial customers, and an insurance agency for personal service. With a workforce of around 1,740 and 176 apprenticeships, the Kreissparkasse Ludwigsburg also numbers among the most important employers and training companies in its region.

IM TREND 15 International

KEBA Romania celebrates its tenth birthday

“We have built a highly competent and efficient team, which brings both passion and commitment to service and software development.” Elena Turda, General Manager KEBA Romania

A pioneer in the try for which it has developed its own General Manager states: “We are proud Romanian market high-performance ticketing and moni- of KEBA’s development in Romania. toring solution. One of the company’s We were able to win the confidence of The Austrian automation company major achievements in the past ten our customers very quickly through the KEBA has a reputation for innovative- years was the support of an important offer of top quality, holistic solutions, ness in Romania and was responsible Romanian banking institute during the which were adapted to meet their res- for introducing cash recycling techno- realisation of a cash-free branch with pective, individual requirements. logy to the national market. It conti- no counters. nues to occupy a leading position in Consequently, as compared to last this segment and its Romanian subsi- A committed team year, the number of our bank termi- diary also supervises the largest net- nals has risen by 35 per cent. This was work of banking terminals in the coun- As Elena Turda, the KEBA Romania only possible due to the trust of our

16 IM TREND International

KEBA Automation S.R.L. recently celebrated ten years of business in the Romanian banking mar- ket. The tenth birthday festivities took place in the company of employees, customers and part- ners in the course of an enjoyable evening event that also allowed sufficient room for a review of the achievements of the past decade and the start of shared preparations for the future.

customers and the steady expansion field, which enable the clients of our onal services for the banking area of our highly competent and efficient customers to save precious time. We and the introduction of a new system team, which brings both passion and score worldwide with Austrian quality, generation. commitment to service and software our experience from almost fifty years development.” in automation, numerous awards and There are also significant develop- an effective and industrious team, and ments in the logistics area in Roma- Moreover, as Gerhard Luftensteiner, this is also true in Romania.” nia, as the company is to implement a the KEBA AG CEO adds: “Self-service highly ambitious logistics automation banking is constantly gaining ground Plans for the future project, which for the local market will in Romania and KEBA supports the represent a major change. banks in these efforts by providing KEBA Romania’s plans for the future highly innovative instruments in this include the development of additi-

IM TREND 17 Service Automation

The digital revolution in the world of parcel automats

In times of increasing digitalisation Using an in-house-created, aug- additional computer generated data, (please see the “Im Trend” issue 1/2015) mented reality app, visitors were able or virtual objects using fade-ins and and the steady growth of e-commerce, to experience the KePol parcel locker overlays. In order to obtain an impres- it is hardly surprising that KEBA is pay- in virtual form. sion of this virtual form of product pres- ing ever-greater attention to innovative entation, please follow the link: technologies and digital media. For this Augmented reality designates the com- reason, the Austrian technology leader puter-aided extension of perceived https://www.youtube.com/ employed a new type of presentation reality. It is also frequently understood watch?v=v4f8mVMRQTg or scan and communication at the Postexpo, as meaning the visual presentation of this QR code: the world’s largest specialist trade information, or in other words the sup- fair for postal and logistics solutions. plementation of images or videos with

The Bulgarian logistics company Econt Express opts for KEBA

Econt Express Ltd. is the largest logis- By the time the final expansion phase tics supplier in Bulgaria and the dom- is completed, up to 200 KEBA auto- inant company in the parcel market. mats should be installed. What makes them special is Econt Express’ use Over 500 Econt shops are available to of the full range of the KEBA parcel customers across the country for the automation solution. Apart from the collection and dispatch of their parcels. last mile (delivery) and the first mile In addition, since last year KePol parcel (dispatch), parcel stamp printing and locker stations have been continually deliveries from one parcel automat to installed in order to facilitate around- another are available. the-clock, parcel pick-ups and returns.

18 IM TREND Energy Automation

A direct link to motorists KEBA at the IAA International Motor Show

KEBA first had its own stand at the On this occasion, KEBA unveiled its as networking with photovoltaic sys- International Motor Show IAA held KeContact P30, the next generation tems, connections with smart homes in Frankfurt in September 2015. The power charging station, which has and invoicing. In addition, using the special theme of e-mobility was dealt been on sale since the beginning of KeContact P30, persons with com- with at the show via the “New Mobility 2016. The latest wallbox enables elec- pany cars can simply bill their employ- World” event, which was attended by tricity to be charged in the most intelli- ers or the leasing firms for the energy numerous exhibitors. gent manner to date, as the KeContact that they use for recharging at home. P30 facilitates new applications such

Cooperation with Loxone for the smart home of the future

The environment-conscious own- solution for the coupling of photovol- For example, the new solution per- ers of e-vehicles can link their KEBA taic systems, e-charging stations and mits the automatic activation of e-car power charging stations with the Lox- e-cars. charging whenever electricity is at one Smart Home System. This allows its cheapest (night tariff). Moreover, car recharging that is independent of More than just intelligent the appropriate Loxone app enables the energy output of the photovoltaic e-car charging energy consumers to be switched off system and the consumption of the All this is possible due to so-called thus freeing up more power for vehi- remainder of the home. intelligent load management, which cle charging. Once the e-car has been offers numerous advantages for the fully recharged, the other consum- Using Loxone Smart Home Integration, user. ers (e.g. pumps) are then switched on Loxone and KEBA offer a comfortable again automatically.

IM TREND 19 The direct line to KEBA

Do you have any questions or suggestions? Do you require additional information?

We look forward to hearing from you!

Austria / International: KEBA AG, A-4041 Linz, Gewerbepark Urfahr Corinna Resch Phone: +43 732 7090-27441, E-Mail: [email protected]

Germany: KEBA GmbH Automation, D-73037 Göppingen, Leonhard-Weiss-Straße 40 Claudia Wolter-Brandt Phone: +49 7161 9741-21, E-Mail: [email protected]

KEBA AG Headquarters, Gewerbepark Urfahr, A-4041 Linz, Phone: +43 732 7090-0, Fax: +43 732 730910, [email protected]

KEBA Group worldwide Austria • • • Germany • • • Romania • • • USA

www.keba.com