IM TREND KEBA CUSTOMER MAGAZINE ISSUE 1/2019

New in KEBA‘s portfolio KePlus connect – KEBA’s smart mini-branch KePlus RX10 and KePlus FX10 KEBA Studio Immergrün 2.0 Practical successes Trend topic cash Company

2 Introduction

3 Customer-related new-ins at KEBA

4 Cash represents “printed free- dom” and therefore has a future

6 The KEBA Studio Immergrün 2.0

8 evo can now also accept coins KePlus RX10 and KePlus FX10

10 Customer contact as an asset – KePlus connect

12 The Saarlanders step on the gas – successful branch concepts 50 years of KEBA

16 VR Bank Lahn-Dill eG Barrier-free cash recycling – we say thanks!

18 Sparkasse Schwarzwald-Baar In its 2018 jubilee year, KEBA had KEBA has also established itself suc- Modern self-service without numerous reasons to celebrate and cessfully in the banking world. Within barriers in mid-year three days of festivities the framework of our evo cash recy- were held on the company premises cler generation, which was introduced th 19 The 500 cash recycler from together with customers and partners, in 2016, many of you assisted us at KEBA‘s new evo series went school pupils and students, the work- an early stage, whether it was during to Italy force and their relations. On the basis the development process, pilot oper- 20 Erste Bank and Sparkasse of the jubilee motto, “ Celebrating the ations, or the first few months follow- Cash recycling and currency ex- future”, which underlined KEBA’s con- ing the attainment of serial production change with a fresh air guarantee stant efforts to create innovative solu- maturity. By the end of the financial tions in all its business areas, among year in March, 1,000 evo systems will 22 The Romanian Bank BCR is on other highlights the British futurolo- be in operation, for which many thanks! the move! gist, Peter Fisk fascinated as a guest speaker with an intriguing keynote If in the last edition of “Im Trend” the 23 The desire for security address on tomorrow’s world. More- focus was on the presentation of the

24 KePlus MAX – intuitive help over, in its 50th year, the company new evo series, the emphasis in this included achieved the highest sales revenues issue is on the practical successes in its history with growth of 31.5%, achieved through partnerships, which 25 evo feels home in Poland which naturally gave cause for a dou- can be found from page 12 onwards. ble celebration. In addition, starting on page 6, you 26 E-mobility can take a look at our new showroom 100,000 charging stations sold KEBA’s history began five decades and from page 8 there are reports ago with two ambitious founders, on our new products. We wish you 27 KEBA parcel lockers make bank Gunther Krippner and Karl Kletzmaier, informative and pleasant reading. branches more attractive who wished to realize their ideas in what was then, the fledgling field of The complete keynote address

Owned and published by: KEBA AG, 4041 Linz, Gewer- electronics. Today, what started as a “Journey from the future back” from bepark Urfahr, Phone: +43 732 7090-0, [email protected] Editors: Rahel Böhm, Korinna Aschauer, David Starzer, two-man team is a successful inter- Peter Fisk on the Thomas Hager, Werner Hentscholek, Nina Lang; Pho- tos: Florian Stöllinger, Gregor Hartl, Barbara Heinz, Chris- national enterprise with over 1,700 occasion of KEBA’s tian Plaum, Timo Julku, Fotolia; Graphics: Claudia Gujon; Translation: John Cima employees and a network of branches 50th birthday: that stretches from the USA to Asia.

2 IM TREND Company

Customer-related new-ins at KEBA May we introduce … Germany

With KEBA since 1.1.2018 Product Manager, Bank Automation, Germany

Niklas Bibo

Patrick Manert With KEBA since 1.2.2018 Sales, Cooperative Banks, With KEBA since 1.10.2015 Germany Sales, Cooperative Banks, Germany

Sibel Temiz With KEBA since 1.12.2016 Key Technician, Germany With KEBA since 1.7.2018 Technical Account Specialist, Germany

Ralf Hoppe Alexander Schulze

With KEBA since 1.12.2018 Key Technician, Germany Torben Pinnow

Romania Italy

Lucian Ramescu Ionut Prisacaru Christian Pozzi With KEBA since 29.3.2016 With KEBA since 30.10.2018 Service Technician, Romania Service Technician, Romania With KEBA since 30.05.2018 Sales, Italy

IM TREND 3 Trend topic

Cash represents “printed freedom”

Discrimination-free coins are much easier to use than the still fresh in the memory and the basic for everybody majority of digital means of payment. availability of cash was one of the deci- Payment apps, ATMs and credit cards sive reasons why a mass panic could are subject to the business interests An investment and an be avoided. of just a few firms, while by contrast emergency reserve banknotes and coins as a means of According to a study from Prof. Franz Independent and always payment are anchored at government Seitz of the Amberg-Weiden Univer- available level. In principle, cash offers everyone sity of Technology around a quarter of Neither a flat battery, nor a defective the same level of access. Furthermore, the European population keeps cash chip, or the collapse of a WIFI or net- it is largely independent from insolven- in their homes, irrespective of whether work connection can impact cash cies and entrepreneurial risk. Even in this is in a wall safe, or tucked under the transactions. Europe only some 90% of the popu- mattress for an emergency. Indeed, it lation have a bank account and thus is precisely in crisis situations that cash Even in the case of a total power fail- the opportunity to use payment cards. offers independence and security. ure, people can continue to do busi- ness with one another thanks to cash. Thanks to cash everybody can make The fact that in times of trouble peo- As opposed to digital transactions, a purchase or complete a business ple put their trust in cash was demon- cash payments are always possible, as transaction. In addition, owing to their strated clearly during the financial cri- they do not dependent on any techni- distinct haptic identification features, sis in Greece. The long queues in front cal infrastructure. for the partially sighted banknotes and of the banks and cash dispensers are

4 IM TREND Trend topic

“printed freedom” and therefore has a future

The demise of cash and the beginning of the new age of the cash-free society are heralded annu- ally. At least, interest groups such as card companies announce this in order to increase their mar- ket penetration, along with fin-techs advertising their latest payment apps and governments under the guise wishing to combat the black economy. Consequently, cash and its future is the object of frequent discussion and this was also the case during the “CashCon 2019” conference, which was held at the start of the year in Frankfurt. The result there was clear. The vast majority of con- sumers do not want to see cash replaced entirely by electronic payment methods.

The safest also helps children and young peo- The least expensive means means of payment ple to acquire a conscious approach of payment In spite of recurring media reports to money. Those that pay in cash are Despite all the expenses for production regarding counterfeit banknotes, sta- able to rein in their spending sprees and logistics, cash is and will remain tistics show that cash is the safest more easily and economize. the most economical method of pay- means of payment. In terms of total ment for trade and commerce. This is volume, the percentage of forgeries A private financial sphere – owing to the fact that the card suppli- is incredibly small and since the intro- yes please! ers and clearing points charge a fee for duction of the second euro banknote An additional benefit of the use of cash every cashless payment. series, shrinking still further. This is is the preservation of a private finan- in sharp contrast to the rapid rise in cial sphere. No information concerning Indeed, at the CashCon 2019, the highly damaging cyber attacks and payments is generated until a receipt German Bundesbank made public a card scams, as demonstrated by Swe- is presented and therefore one’s per- study, which shows that the costs for den. Here, a tangible reduction in the sonal financial circumstances are not a cash transaction (in full cost account- use of cash has been accompanied revealed. One practical example is the ing) amount to around € 0.24, whereas by a veritable explosion in card fraud, purchase of a birthday gift, which in those for a credit card transaction with which rose from some 20,000 cases in the case of a cash payment does not PIN input total about € 0.97. 2012 to over 90,000 in 2016. appear on a joint account. Nonetheless, it is essential to raise Cash encourages savings Cash does not automatically promote the efficiency of the cash cycle con- Digital payment methods hamper the the black economy, as evidenced by tinually. This can be furthered by pro- retention of a spending overview and a study carried out in 2014 by Prof. cess optimization and technical inno- a shock often first arrives subsequently Friedrich Schneider from the Johannes vations such as KEBA’s cash recyclers. in the form of an unexpectedly high Kepler University Linz. For example, With their numerous user-friendly func- credit card invoice. By contrast, bank- although in Sweden only some 10% of tions and 24/7 availability, these ver- notes and coins in the wallet encour- all payments are made using cash, in satile self-service systems reduce the age greater consumer self-control, as terms of a GDP comparison the coun- need for CIT transports and enhance during expenditure the pain center in try has a larger black economy than customer service. the brain is activated more intensely. Germany or Austria, where around Scientists call this the “cash mem- 80% of all transactions in 2014 were ory function” and this “loss benefit” still completed in cash.

IM TREND 5 Company The KEBA Studio Immergrün 2.0 where ideas take root and innovations prosper

A think tank for ideas and a cool place to meet

When entering the Studio Immergrün one encounters a comfortable and modern bank branch of the future, which invites to stay and be inspired. This is a place where customers, partners and all those interested parties can meet and exchange ideas about challenges, trends and future issues.

At the same time, the Studio Immergrün also offers KEBA personnel an opportunity to gather inspiration from time to time away from the workplace and thus prepare innovative concepts and fresh solutions, espe- cially together with customers and partners.

Experience the branch of the future at first hand

Among other features, the Studio showcases genuine design examples, which demon- strate the possibilities for flexible integration provided by the evo family of cash recyclers and bring installation solutions to life. These include an ATM with a cash recycling func- tion installed in a counter that offers space for (temporary) staffing, a self-service system integrated seamlessly into a modern glass wall, or free-standing and encased in materi- als that mirror the branch design.

These systems allow flexible and harmonious branch integration, even without door- frames or expensive framework constructions. As a result, diverse concepts such as cashpoint-free branches can be quickly implemented and the straightforward adapta- tion to the corporate design of banks facilitated. One brand new feature is KEBA’s KePlus connect solution for mini-branches, which is reported on in detail on page 10. Visitors are more than welcome to gather inspiration by immersing themselves in this innova- tive concept.

6 IM TREND Company

Right on time for KEBA’s 50th birthday, June 2018 saw the new Studio Immergrün 2.0 open its doors at the company’s location in Linz and with it the launch of a new branch of the future, design thinking zones and an experimental workshop in which, as is the case with evergreen plants, ideas can grow throughout the year. where ideas take root and innovations prosper

The KEBA Studio Immergrün 2.0 is a genuine meeting-place

KEBA’s customers, partners and suppliers are most cordially invited to come to the Studio and actively participate in the preparation of customized solutions and the furtherance of highly promising concepts.

Whether with employee support, or alone, the comfortable lounge areas offer space for informal discussions and creative brainstorming, while two adjacent conference rooms act as retreats for intensive working, team workshops and coaching. We look forward to your visit!

For more information, please contact: Korinna Aschauer, [email protected]

IM TREND 7 evo innovation evo can now also accept coins In December, KEBA’s successor to the KePlus X6se, the KePlus RX10, and the modular KePlus FX10 became part of the evo product family. This time the machines are available in even more var- iations and if requested, can be flexibly upgraded, simply adjusted to the branch design and inte- grated harmoniously. You can discover what lies behind the two cash recyclers with coin deposit functions, as well as their differences on this double page.

KePlus RX10

The multifunctional cash recycler with coin deposit function

As the successor to the KePlus X6se, the new multifunctional KePlus RX10 integrates the coin deposit function into a comprehensive sys- tem. Like its predecessor, with a width of 89 cm, the KePlus RX10 represents a compact and complete ex-works solution that enables the recycling of four banknote denominations. The coin deposit mod- ule contains four bags, which as an option can be upgraded to six.

The KePlus RX10 is a cutting edge, reliable cash recycling solution for bank branches wishing to offer their customers a coin deposit service in combination with the recycling of four banknote denominations.

Machine profile

• All cash transactions in a compact system • Recycling of four banknote denominations • Possibility for currency recycling and the pay out of large value cashouts and currency exchange • Ergonomic coin depositing compliant to Article 6 • An integrated, complete solution ex-works – no wing upgrade option • Straightforward branch installation • Combination of self-services and counter services with consulting • Realization of cashpoint-free branches

8 IM TREND evo innovation

New in the KEBA product portfolio

coins KePlus FX10

The future-proof cash recycler with extra functional extensions

The KePlus FX10 represents a KePlus F10 cash recycler with an added wing. Its modular design allows the subsequent upgrade of coin deposit components, as well as the integration of functions into the wing, which were unknown at the time of purchase. This means that the investment is both protected and future-proof.

The modern design and ventilation concept allow sim- In this way, evo can take over counter services and cre- ple adjustment to bank corporate designs, as well as a ate space for new branch concepts involving features new type of frameless integration in either (glass) walls or such as the replacement of teller cash recycler (TCR), counter architecture. The dual cassettes allow the recy- employee-assisted self-service, or the offer of fully auto- cling of up to eight banknote denominations with only mated services in mini-branches. The application possi- five physical cassettes. Consequently, large sums and bilities are diverse and virtually limitless. change can be paid out, and euros and foreign curren- cies can be exchanged.

Machine profile

• All cash transactions in a modular system • Recycling of up to eight banknote denominations at any time in the product lifecycle • Possibility for currency recycling and the pay out of large value cashouts and currency exchange • Ergonomic coin depositing compliant to Article 6 • Future-proof due to the possibility for wing component upgrade (whatever function is decisive for future branch services) • Adaptable to branch and corporate design • Easy, seamless branch installation • Combination of self-services and counter services with consulting • Realization of cashpoint-free branches IM TREND 9 evo innovation

Customer contact as an asset KePlus connect

Further information and application examples regarding KePlus connect

Proximity to the customer Cash recycler as an integral sales argument Storage room module

On the other side are the banking customers, who not only are looking for per- sonal contact and consulting, but also explicitly demand them. For the customer, it is the combination of branch proximity and an individual contact person that often plays a decisive role in loyalty to a banking institute.

Account If a branch now has to be closed for cost reasons, the bank not only risks neg- services ative reporting, but also the loss of its customers. The challenge for individual Table institutes is to achieve the correct positioning in between the conflicting priorities of cost pressure and closeness to the customer. Leaning Ground plan examples 10 IM TREND evo innovation

Financial institutes are facing growing economic pressure and consolidations, new competitors and an unpredictable global economy characterize the banking market. As a consequence, it is Customer contact as an asset increasingly difficult to economically maintain a large branch network.

The mini-branch solution – the golden middle

KEBA offers a brand-new, smart solution for this challenge: the KePlus connect. On around 12m², the complete range of services including temporary staffing during high frequency periods, account services, cash deposits and withdrawals, as well as coin handling can be offered. Bank personnel can contact customers on a non-bureaucratic basis, offer help regarding questions relating to self-service systems and provide brief consulting. Naturally, the KePlus connect is entirely barrier-free and thus fully accessible. Moreover, a height-adjustable desk enables customer questions and consulting to be dealt with comfortly relaxing the legs by leaning.

Independent of the surrounding area, KePlus con- nect can be installed e.g. in a shopping center as a stand alone or as a shop-in-shop solution. In struc- turally weak areas it is even possible to install the KePlus connect as a local supplier and for example place it in a community center.

Entire design flexibility

As was already the case with the evo series, the KePlus connect relies upon full flexibility and modularity.

The KePlus connect can be assembled in line with the modular principle and then customized according to the wishes of the bank. Materials and designs, which echo the corporate design of the bank, can be employed in straightforward fashion. In addition, an ergonomic workplace for (temporary) staffing and the barrier-free handling by the customers are taken into consideration.

The KePlus connect gives the banks flexibility regarding the services and functions provided. For example, the mini-branch design for the KSK St. Wendel project installs two KePlus P6 account statement printers instead of a KePlus cash recycler. Possible ground plans are shown on the left.

“Our new branch with the KePlus connect as a service point has Account met with a highly positive customer response. services It is a harmonious concept!”

Achim Peter, Leaning Sales Director, Kreissparkasse St. Wendel IM TREND 11 Germany The Saarlanders step on the gas –

Achim Peter, Director of Operations and member of the Board, Marc Klein in the brand-new KePlus connect mini-branch solution

This innovative solution is to be found in with modern self-service integration together with KEBA in Linz. the branch located in the Globus store most attractive and we knew that we in St. Wendel. Not only the access to wanted to have it. We therefore con- Why did the bank opt for KePlus con- the branch is barrier-free, but also all tacted KEBA and this idea quickly nect at this very early stage? the KEBA self-service systems are grew. Klein: As we have shared a long- conform with this same standard. The Klein: As a part to the Globus self-ser- term partnership with KEBA, for us a KePlus RT10 cash recyclers have suf- vice store’s conversion concept, we lengthy decision-making process was ficient clearance for wheelchairs and had to change our location and find unnecessary. I liked the KePlus con- rollators and the account service ter- a compact solution for 65m². For this nect modular concept, as it was com- minals also offer barrier-free access. purpose, we used the professional pact, barrier-free and in addition gen- “Im Trend” requested Marc Klein, the assistance of 3X Banktechnik GmbH uinely stylish. For me, it therefore rep- Manager of the KSK St. Wendel and from Heiningen, who KEBA recom- resented a showcase project and as in Achim Peter, Director of Operations, mended and which proved to be a per- the Globus we are located in a highly for an exploratory interview. fect choice. Moreover, 3X Banktechnik exposed position, we wanted an eye- also presented us with the KePlus con- catcher and the mini-branch model ful- You were already able to see the mini- nect mini-branch concept. filled this role to perfection. branch in spring 2018. How did you become aware of the KEBA concept What was your first impression? How did you find the planning pro- study? Peter: I immediately found the concept cess with KEBA en route to an individ- Peter: The starting-point was the appealing because it also facilitated ual KePlus connect version? And how FI-Forum 2016, where KEBA pre- the attractive integration of self-ser- was the handling with regard to deliv- sented the evo series for the first time. vice systems into the tiniest branches. ery and installation? We immediately found the glass wall We subsequently fine-tuned the design Peter: The planning process was

12 IM TREND Germany

The Saarlanders three Sparkassen in the Saarland with successful branch concepts

At the beginning of the year, the “Im Trend” edi- tors traveled to the attractive Saarland in Ger- many, in order to report on innovative branch solutions at first hand. We made a quick find in the town of St. Wendel, where the KSK St. Wen- del, a district bank with fifteen branches and a long-term KEBA partner, already has the com- pany’s brand-new KePlus connect solution for mini-branches in operation.

KePlus connect offers space for self- and other services, is customized in the Sparkasse look and equipped with two KePlus P6 account statement printers.

Kreissparkasse KSK St. Wendel, the Globus branch with integrated KePlus connect St. Wendel

highly professional and started with Klein: The branch remains staffed, branch to suit the needs of the disa- a preliminary meeting in Linz to clarify as personal contact partners were a bled. We will also meet this obligation the technical details such as the space decisive element in this concept. The in other new projects. required for office equipment. The design is modern without creating cooperation between KEBA, 3X Bank- uncertainty and all customer require- An initial resumée: how satisfied are technik and myself was very close and ments are fulfilled. We have also suc- you with your branch? all our suggestions were accepted and ceeded in creating a good atmosphere Peter: For us it represents the branch promptly implemented. in a very small space. of the future. From a technical per- Klein: I registered nothing of the plan- Peter: The concept consists of a ser- spective it is ideally equipped and per- ning process, which was a positive vice module (=KePlus connect), a con- fect for the testing of numerous new sign and proof that everything was run- sulting module, a social area module ideas. We have received a lot of pos- ning smoothly. (= kitchen) and a financial module (= itive feedback and the Globus opera- Peter: The work on the spot was com- self-service automation from KEBA). tions manager also speaks highly of it. pleted in a very efficient manner. We These modules are perfectly tuned and Klein: All in all, the concept has suc- had an extremely tight schedule which the entire branch is equipped with the ceeded and been very well received was ulitmately kept. very latest technology. by our customers, which also applies Klein: The major advantage of the to the self-service systems from your In mid-November you held the festive evo series is that the requirement for company. We will therefore use KePlus opening of the new Globus branch. roll-under has been solved so beau- connect in modified form for other new What does this completely new con- tifully. Using KEBA’s technology we and conversion projects. cept look like? have been able to design the entire

IM TREND 13 Germany

Frank Jakobs in front of the frameless glass wall integration of the evo self-service system with wheelchair access

KEBA has long been a partner to the SK Merzig-Wad- Sparkasse ern, which was one of the first banks in the Saarland to automate its self-service processes. At this early Merzig-Wadern stage, the bank already opted for terminals from KEBA’s self-service Rondo series.

Today, the bank has again assumed a pioneering role with regard to an overall, barrier-free con- cept at its main branch. In the course of an interview with the bank’s CEO, Frank Jakobs, “Im Trend” was also allowed a look behind the scenes.

Mr. Jakobs, you have extensively What are the cornerstones of the new connected. In addition, the barrier-free modernized the main branch in Mer- SK Merzig-Wadern branch concept? issue is naturally another cornerstone. zig. What in your opinion are the main As a customer savings bank, we must highlights? do everything possible to make our Why did you decide to opt for across We have managed to create good clients feel more at ease and be able the board, barrier-free, self-service linkage between our self-service and to refer to highly qualified and flexi- systems with wheelchair clearance? consulting areas, in what we call our ble consulting. For example, we offer The entire Sparkasse financial group “check-in”. The self-service area is advisory appointments throughout the on the Saar has made a commit- spacious, comfortably fitted out and day, from 8.00 a.m. to 8.00 p.m. and ment to barrier freedom. We wish to barrier-free. The check-in is the first also provide staff-assisted service dur- take responsibility for everyone with point of access for the customers and ing core hours. Furthermore, with our the aim of making our services equally offers an attractive lounge with infor- customer service center, we achieve accessible for all our customers. We mation terminal where they can relax constant high availability with an 80:20 wish to live out this voluntary commit- should they have a short wait. We have service level. This means that 80% of ment and take it into full account dur- created a genuinely pleasant atmos- all callers will start to receive quality ing our investments in buildings and phere through a blend of modernity advice regarding standard processes infrastructure. with our own roots. within the first 20 seconds of being

14 IM TREND Germany

Kreissparkasse Saarlouis The Kreissparkasse Saarlouis, has been a KEBA customer from the word go and has also opted for the company’s latest barrier-free, self-service sys- tem. Horst Herrmann, the Kreissparkasse Saarlouis CEO, sums up the rea- sons for the decision to select KEBA’s cash recycler with wheelchair access, as follows: “From a customer perspective, KEBA’s KePlus RT10 cash recy- cler fulfils important criteria with regard to intuitive operation, a high degree of reliability and complete barrier freedom. Accordingly, this model was cho- sen for our new branch building in Nalbach. Indeed, the use of this cash recycler represents an optimum response to the needs of a diversity of cus- tomer groups.”

Sparkasse

We are very pleased that you have You have also selected a KEBA evo In closing, what has been the feedback again placed your trust in KEBA and cash recycler with wheelchair access regarding the main branch in general have included the evo product family in your outdoor area. How has this and the barrier freedom in particular? in your branch concept. been received? We have received numerous compli- We have long-term ties with one another We had been aware of the need for an ments for the modern look, the com- and we know that we can have confi- outdoor system for quite some time, fortable fittings and the new, simple dence in your company and its prod- especially in view of the fact that for self-service technology. The com- ucts. I also have great faith in my spe- security reasons, we have to close the prehensive barrier-free concept has cialist department, which expressed a main branch at certain times in the received a great deal of direct praise clear preference for your product vari- night. With the highly successful inte- from the disabled, as well as from fam- ations. I was equally convinced by the gration in the outside area we have ilies with care-dependent relatives. As modern design, the very simple and thus been able to nonetheless offer our many customers tell us, the investment intuitive operation for employees and customers comprehensive self-service has paid dividends. customers, and the attractive, barri- in a bright and cheerful atmosphere, er-free self-service solution. not to mention with wheelchair access.

IM TREND 15 Germany

Seamless integration and barrier-free cash recycling – the VR Bank Lahn-Dill eG shows how it’s done!

Herborn represented the first occasion Your KePlus Cash-Recycler was inte- Keiper: The greying of society is on which you selected a KEBA system. grated with wheelchair clearance. How increasing and this trend has to be What convinced you? did that come about? accounted for by making access to Dietrich: We became acquainted with Theis: We wanted to have a system cash as simple as possible, whether KEBA at the COM 2018, the in-house for all of our target groups. These nat- via self-service areas or staff-assisted fair of Fiducia & GAD IT AG. Subse- urally include persons with disabilities points. Indeed, this situation is being quently, it was planned to substitute and the elderly. In spite of wheelchair allotted growing importance. the self-service equipment in Her- access and the total lack of barriers, born and Mr. Manert from KEBA vis- the solution looks great and can be How was the evo cash recycler inte- ited us and presented the evo series used easily by all other customers. grated into the existing branch cash recyclers in person. We then Dietrich: Braille and headphone con- concept? exchanged information with colleagues nections have long been banking Keiper: evo can be easily blended into from other banks and their feedback machine features, but for us the free- existing structures and thus provides was highly positive. dom from barriers and wheelchair and branch planners with design freedom. Theis: KEBA scored both through the walker access constitute the next step, In addition, this also furnishes a degree price-performance ratio and design. which is a strong argument for KEBA. of future security, as subsequent mod- The high market share in Austria also ifications will still match the branch impressed us and the professional Mr. Keiper, as a branch planner do you image and not cause great expense handling of our contract then con- perceive a trend towards barrier-free or a recognizable design disruption. firmed the probity of our decision. access?

16 IM TREND Germany

In the fall of 2018, the evo series cash recycling systems were successfully integrated into Fiducia & GAD IT AG and now the Herborn branch of the VR Bank Lahn-Dill eG in Germany already has a KePlus FT10 with walker and wheelchair access in operation. “Im Trend” talked about this joint project with the bank’s CEO, Klaus-Dieter Theis, Marc Dietrich from the IT department and the responsible branch planner, Jürgen Keiper, the Noll Werkstätten CEO. shows how it’s done!

From l. to r.: Marc Dietrich (VR Bank Lahn-Dill), Jürgen Keiper (Noll Werkstätten), Klaus-Dieter Theis (VR Bank Lahn-Dill) and Patrick Manert (KEBA) in discussion.

“The price-performance ratio and the design both spoke for KEBA.”

Klaus-Dieter Theis, VR Bank Lahn-Dill Board Member

The new self-service system has now with the high recycling quota as the been in operation for some time. How cassettes have be emptied less fre- do you and your customers see it? quently than was the case with the Theis: The modern integration of the previous machine. Most importantly, KEBA cash recycler makes it an eye- the customers have responded well to The wheelchair accessi- catcher and for this reason, it has been the recycler and we have also received ble evo cash-recycler fits quickly accepted. In fact, our custom- positive feedback with regard to its smoothly into the exist- ers are delighted to use it. speed from business customers. ing branch design. This is Dietrich: From a technical standpoint, evident at a glance owing the compactness of the system means Many thanks for your time and this to the modern integration. that there is room for improvement interview! with regard to the retrofitting of indi- vidual network components. However, our personnel are especially pleased

IM TREND 17 Germany

Sparkasse Schwarzwald-Baar – modern self-service without barriers

Following the release of KEBA’s evo series by the S-Finance group at the end of March 2017, by the close of 2018 over 70 Sparkasse banks had placed their trust in the company’s new self-service cash recycler generation. Among these banks is the Sparkasse Schwarzwald-Baar, Germany, which has com- pleted a modern, barrier-free installation in its new Vöhren- bacher Strasse branch in Villingen-Schwenningen

With two self-service recyclers offering “You clearly put a great deal of thought wheelchair and walker access, in this into the machines,” was the general branch the Sparkasse Schwarzwald- drift of the remarks made. Not only Baar now provides affected customers does the improved access meet with with especially simple and independ- approval, but also the ideal height of undertake to observe certain criteria ent machine use. the controls and the self-explanatory with regard to freedom from barriers in graphics. Mr. de Beyer: “We deliber- new buildings or acquisitions. In future, During a conversation with “Im Trend”, ately chose two machines with wheel- we will place a special emphasis upon Wolfgang de Beyer, the bank’s Organi- chair access in order that no visible the barrier-fee design of branches and zation Manager, explained the reasons difference between various groups of their equipment because we do not for choosing a barrier-free installation. people would be evident and this has wish to prevent anyone from entering “In the lead-up to the construction also been warmly welcomed.” our premises.” work, we consulted the regional officer for the disabled at any early stage. He Not only the cash recyclers, but also In future, the Sparkasse Schwar- himself is handicapped and came to the entire branch is entirely barrier-free zwald-Baar will continue to use its the bank in his wheelchair. He told us and fully accessible, as well as being branches as a contact point for all the that wheelchair access would make roughly 95% energy autonomous. groups within the population. Mr. de operation of the banking machines Asked what he sees as the direction Beyer: “We wish to retain a regional far simpler and he also stressed the of the barrier-free, wheelchair access presence, wherever possible by means importance of a focus on the height of journey, Mr. de Beyer voiced a clear of modern, safe and easily operatable the control panel. Subsequently, dur- position: “We have signed a joint dec- technology. The KEBA cash recyclers ing an equipment comparison, KEBA’s laration with the organizations and self- are the benchmark in this respect and product series proved to be particularly help groups for handicapped people we are convinced by their performance convincing.” in Baden-Württemberg in which we and optimum, barrier-free access.”

In reply to a question regarding the response of the bank customers to the self-service machines, Mr. de Beyer said that KEBA’s ATMs are used a great deal and with pleasure by all the client groups and their feedback is most positive, especially that coming from the wheelchair and walker users.

18 IM TREND Italy

th The 500 From l. to r.: Massimo De Pra, KEBA; Amedeo Angelelli, KEBA; Laura Sut, CrediFriuli; Mauro Zanutti, CrediFriuli; Anna Pozzar, CrediFriuli; Samuel Gesuato, CrediFriuli; Francesco Pinatto, CrediFriuli

Cash recycler from KEBA‘s new evo series went to Italy

emphasis on being local and close to Mauro Zanutti, the Bank Organization the customer, studied closely the com- Service Manager, also mentions other pactness, design and flexibility of the reasons for the choice of evo: “We new evo product family. This scrutiny selected evo because with the video in tandem with the confidence derived system we can offer various services from the use of the preceding KePlus with exceptional flexibility. X6se generation provided the sig- nal for the commencement of further A call center link is also feasible, which cooperation. As a result, the CrediFri- would allow a variety of branch design uli now has seven KEBA KePlus F10 possibilities. Moreover, evo’s modern and KePlus FT10 cash recyclers in design harmonizes with new branches operation. to perfection.”

CreditFriuli and KEBA The evo series excites evo on tour are linked by a strong The compact machine integrates the In 2018, KEBA travelled through north- partnership check scanner used in Italy into the ern Italy and covered some 1,300 km As reported in the last issue of “Im basic system. This not only saves with the “evo trailer”. The evo coun- Trend”, KEBA unveiled the evo series space, but also allows simple instal- ter solution was presented at three to a larger Italian audience for the lation and branch integration. All these locations and met with great interest. first time with a presentation at the features convinced the CrediFriuli along Therefore, we are looking forward to Ferrari Museum in Maranello. At this with the recycler’s design and “easy to additional evo installations in “Bella event, the cooperative bank, CrediFri- use” development approach, which Italia”. uli, which with 34 branches places an foresees simple machine operation.

IM TREND 19 Austria

Cash recycling and currency exchange with a fresh air guarantee

Martin Schwarz, KEBA Sales with Peter Michael Seitz, Channel Manager Branches and Self-Service, Erste Bank

According to Thomas Schaufler, the Swiss francs in, euros out with this solution we can offer our cus- Erste Bank’s Board member with tomers an even more flexible service.” responsibility for private customers, this With its KEBA KePlus outdoor cash means that: “Irrespective of the prem- machines, the Dornbirner Sparkasse The opportunity for outdoor recycling ises, we have put a capability in place is now providing its customers with a and currency exchange using the that enables us to furnish our cus- supplementary service in the shape of self-service automats has met with tomers with still greater cash deposit foreign currency recycling. The bank’s highly positive feedback from the Dorn- flexibility at a variety of locations.” catchment area is located near the birner Sparkasse. As a result, from Austrian-Switzerland border and there- April 2019 onwards the flexible 24/7 At present, experience is being gath- fore this feature facilitates the automatic exchange service will be on offer at all ered with the outdoor recycler in Wie- exchange of euros and Swiss francs. its branches. Apart from commuters, ner Neudorf and should this ser- this will benefit the many Swiss who vice meet with a positive customer Werner Böhler, the Dornbirner Spar- regularly come to Austria to shop, visit response, such machines may well kasse CEO: “Exchange is a major topic restaurants, or take a holiday, as well become an interesting alternative to in our region because many people as the Austrians heading in the oppo- standard ATMs in the outside area. commute to Switzerland. Accordingly, site direction.

20 IM TREND Austria

An additional service for Erste Bank and Cash recycling and Sparkasse customers

The Erste Bank and the Sparkasse are enhancing their presence at selected locations through the extra offer of an opportunity for outdoor cash deposits. For this purpose, in spring KEBA installed three KePlus FT10 outdoor cash recyclers for the Dornbirner Sparkasse, which also pro- vide a completely new possibility for exchanging foreign currency. Moreover, another outdoor sys- tem has been put into operation at an Erste Bank self-service location in Wiener Neudorf.

Self-service exchange pays off

Günter Masal, the Dornbirner Spar- kasse’s Head of Group Organization and EDP, sums up the experience gained with the exchange function as follows: “The CHF 1,000 banknote is Günter Masal, Head of Group Organization and EDP, too wide for deposits and withdrawals Dornbirner Sparkasse using the standard evo cash recycler.

However, KEBA came up with a quick Exchange using the self-service auto- and in addition is financed entirely by and highly professional solution in the mats is free of charge to the custom- the exchange receipts. I can therefore form of a wider compartment. Con- ers and uses staggered exchange recommend the deployment of evo sequently, in teamwork with sIT Solu- rates depending upon the amount systems in areas near frontiers.” tions AT (the Erste Bank and Spar- involved. It is also profitable for the kasse software company), we were bank, because as Günter Masal At the end of 2018, Erste Bank and able to implement an optimum CHF/ explains: “In the past we carried out the Sparkasse had around 170 evo EUR exchange system. We are very such transactions with straightforward cash recyclers in operation, including satisfied with machine performance change machines, but now we have numerous indoor systems and eight and the interplay between hard- and a cash recycling system for this ser- outdoor ATMs with a cash recycling software.” vice, which provides high availability function.

IM TREND 21 Romania #100 the Romanian Bank BCR is on the move!

During 2018, exactly 100 evo systems were installed at the Romanian Banca Comercială Română S.A., or BCR for short. The BCR is the nation’s largest bank, part of the Erste Group and a pioneer in the branch transformation field.

Parallel to the Erste Bank, the BCR Firstly, our previous experiences with centers, which offer support and infra- has launched a new branch con- KEBA products and services were all structure for a smooth transition from cept throughout Romania. The design extremely positive. Secondly, we found counter transactions to multi-chan- foresees an open ground plan with a both the design and functions of the nel solutions. Our customers are wel- round service table in the middle of new evo systems highly convincing, comed by a large and inviting recep- the branch. In such branches it is fre- and thirdly KEBA has the logistical tion area, where their requirements quently the case that all cash trans- resources required to install evo cash are ascertained and support is offered actions are completed in the self-ser- recyclers across the whole of Romania. for the completion of online transac- vice area, which means that sepa- tions, or the operation of the self-ser- rate cash handling by counter staff is You are currently introducing new con- vice machines. The futuristic design no longer required. In view of these cepts at all your branches. What form of the evo series in tandem with the developments and the evo “century”, do these have and how is evo support- possibility of handling a large number “Im Trend” requested an interview with ing you in this regard? of transactions, offers a unified and in Ms. Olimpia Fratica, the Head of BCR’s The evo ATMs provide the corner- the Romanian banking market, unique Retail Network Services. stones for two branch concepts that concept. we have developed. The first of these, We are naturally delighted that BCR the “New Branch Concept” is targeted By contrast, the “Cashless Concept” has selected our evo systems. What on the transformation of branches into envisages the transfer of all cash trans- were the main reasons for this choice? customer relationship management actions to the self-service area. As a result, more time is available for quali- fied customer consulting and service. The evo cash recyclers play a central One-stop-shopping role within this concept, as they under- KEBA Romania offers banks a complete cash recycling solution con- take in full a number of the main bank- sisting of hardware, software application (KeFlex), remote surveillance ing activities. software and a nationwide network of KEBA service technicians. How have your customers responded This combination guarantees maximum availability and flexibility for to the comfortable change function? the Romanian banks. Moreover, many of KEBA’s in-house develop- The majority of our private custom- ments facilitate greater handling comfort for bank customers such ers use at least one additional func- as the payment of electricity bills by means of barcode scanning, or tion of the KEBA systems and a higher the change function. self-service utilization ratio means more time for highly qualified consulting.

22 IM TREND evo series

The media are repeatedly full of reports about new attacks by hacker groups. Companies, governments and private individuals are all affected to an equal degree, and it would appear that no one is spared.

Therefore, the justifiable question arises whether anyone is actually safe? The chilling answer is, no. However, the good news is that with a few, important steps a very high degree of security can be achieved.

The desire for security

The number of cyber attacks is increas- system is only as strong as its weak- spective and secured appropriately. ing dramatically year by year. In Aus- est link. Should there be a chink in the tria alone, cyber crime offenses virtu- armor, this will be discovered sooner In 2018, KEBA joined forces with exter- ally doubled between 2014 and 20171 or later and in a worst-case scenario, nal security firms from Germany and and a similar picture is repeated in the exploited. Austria to carry out so-called penetra- banking world. In fact, between 2016 tion tests (software security checks) and 2017, the total of malware and It is thus all the more important that on its own products. Attackers were logic ATM attacks in Europe increased banks, computer centers and man- unable to achieve payment from any by more than 330% and the trend con- ufacturers remain in very close con- of the KEBA machines and therefore tinues to be upward.2 tact. This is already exemplified by from a current standpoint, the compa- the success in the area of physical ny’s cash recyclers can be regarded Where security is involved, it is impor- safety, especially when explosions as safe. Moreover, with its evo series, tant that the complete system is con- are involved. For example, numer- KEBA offers numerous innovative sidered. This applies equally to secu- ous branches have decided to close security solutions in order to provide rity in both the real and virtual worlds, their self-service areas in the night protection against both physical and and therefore ATMs are equally part of and KEBA provides additional support virtual attacks. We would be pleased an overall system. with explosion-resistant ExGas safes, to provide further information about which represent a further obstacle for these features in the course of a per- As a rule, this system is comprised of potential criminals. sonal conversation. the automats, the branches, a net- work and the computer center serv- This example should also be emulated ers. In order that maximum protec- in the virtual world, where it is impor- 1 Comparison from the criminal tion is attained, it must therefore be tant that the systems are well coordi- statistics of the Austrian police ensured that every part of the system nated. The bulk of the attacks that are 2 Comparison from the E.A.S.T. corresponds with the highest security currently known could be prevented if Crime Report 2017 standards, for in the final analysis any systems were seen from an overall per-

IM TREND 23 evo series

KePlus MAX – intuitive help included

Exemplary visualization of the status display for the identification of the fault source

Every evo has a MAX The operator is then steered step-by- Defects in a self-service system are step through its correction with the aid annoying and under certain circum- of context-sensitive documentation. In stances can require the cost-intensive addition, the employee can also navi- deployment of service technicians and gate a path through the interior of the CITs. If bank employees are able to machine by means of intuitive user deal with at least some of these faults, guidance, and in line with KEBA’s fun- this not only saves institutes money, damental “easy to use” principle, the but also reduces unpleasant down- gripping points on the hardware com- times for their customers. ponents are easily recognizable due to green markings. Using KEBA’s in-house developed KePlus MAX maintenance application, Clear instructions on the service mon- which is available in the service inter- itor, which are supported by photos face of every evo series cash recycler, and graphics, also help the operator such malfunctions can be remedied to identify and remove the defect. efficiently and safely.

Easy to use The status display provides an initial KePlus MAX indication of the section in the ATM in thereby offers advantages for everyone which the fault lies. involved from the bank customers, to the machine operators and the service technicians. But why not check it out for yourself? 24 IM TREND Poland evo feels home

– intuitive help included

in Poland Adam Budziszewski, the Novum Banking Automation Solutions Sales Manager at the Novum trade fair booth in Poland

Since 2016, KEBA and the Polish com- costs to be curbed. Today, ATMs with can select machines for various instal- pany Novum have cultivated a direct cash recycling technology are already lation situations and individually select sales partnership. Novum specializes widespread amongst Poland’s cooper- the number of denominations to be in the cooperative banking sector and ative banks, due partially to their offer recycled. The SmartFrame for the divi- has developed its multi-vendor appli- of deposits, withdrawals and other sion of the 19“ monitor into a market- cation software for ATMs. The com- functions on a 24/7 basis. ing and an application section has also pany also offers various software solu- proven to be a valuable feature. tions for banks. Novum has opted to market cash recy- cling systems from KEBA. What were You have organized numerous events Novum serves the cash recycling the reasons behind this decision? to advertise both your solutions and market in Poland with KEBA sys- Around the clock self-service is KEBA ATMs. What was the response tems of which around seventy have becoming increasingly important in of your guests to the evo series? been installed nationally in the past Poland and this requires highly availa- At first glance what naturally catches five years. And now the evo product ble and reliable equipment. In addition, the eye is the modern design and the family has also found a new home in apart from standard functions, KePlus clear user interfaces. With the evo Poland, the first cash recycler having ATMs offer a range of other applica- series, KEBA has broken through been installed in December. This out- tions. For example, in combination what has long been the extremely door system represented an ideal rea- with our Novum multi-vendor appli- homogeneous design of ATMs. The son to talk to Adam Budziszewski, cation software, currency exchanges new design encourages banks to pro- Novum’s Banking Automation Solu- can be made, or vein scanning is pos- vide their branches with a more mod- tions Sales Manager. sible using the Novum eNBio biomet- ern and customer-orientated design. ric authentication solution. Consequently, in many places the evo Adam, what significance does cash product system was met with great recycling have in Poland? What in your opinion are the highlights enthusiasm on the part of the visitors. I believe that cash recycling has a glit- of the evo series? tering future in Poland because it will The flexibility that the evo series offers Many thanks for the interview! allow the rise in cash management is its greatest advantage. Customers

IM TREND 25 Energy automation

Biggest milestone in the history of electric mobility at KEBA – 100,000 charging stations sold

KEBA just recently celebrated the most significant milestone in its electric mobility history with the sale of its 100,000th charging station (wall box)!

The 100,000th charging station is the most significant milestone yet

Global charging station sales have A look back now passed the 100,000 mark and the golden “Jubilee Wall Box” went Roughly ten years ago, when KEBA to KEBA’s Swedish customer, Clever. presented a charging station for elec- This is a full-service e-mobility sup- tric cars, electric mobility was just a far- interfaces, which for example allow for plier, who above all has made a name off vision. integration into smart home and back- for itself in the branch due to its rev- end systems, as well as coupling with olutionary business model and holis- However, even then, the KEBA CEO, photovoltaic units. tic approach. Gerhard Luftensteiner, knew that: “With charging stations for environ- Electric mobility develops at For example, Clever offers its clients a mentally friendly traffic, we have cre- high speed flat rate with which the owners of elec- ated a promising field for our future.” tric cars can charge both at home or 600 charging stations were subse- According to scientists, the e-mobility using Clever’s public network. quently put into operation within the breakthrough will occur in the next two first two years, mostly in the Austrian to seven years, with increasing vehicle Andreas Plotz, KEBA AG’s Electric and German domestic markets. range and a growing number of new Mobility Sales Director: “We are very models from the automotive manufac- happy that our 100,000th wall box Since then a great deal has happened. turers leading to the electric car finally went to Clever in Sweden and that we The first charging stations have been becoming firmly established. can now celebrate this special mile- further developed to form a complete stone and our business relationship system consisting of both hard- and The 600 charging stations in the with Clever. Outside of our core mar- software. first two years have in the meantime kets and in the field of electric mobility, become 6,000 per month and the Scandinavian countries are our most This intelligent infrastructure solution team in this business area is being important sales market and are taking contains numerous communication steadily enlarged. a pioneering role.”

26 IM TREND Logistics automation

Customers save time and miles – KEBA parcel lockers make bank branches more attractive

Banks can raise the attractiveness of their branch locations through services that go beyond core business. For example, a new branch service can be formed by 24/7 parcel pick up and drop off using the already well-proven KePol electronic lockers.

Benefit from the online use automated parcel transfers for shopping trend more intense customer contacts and Apart from increasing numbers of the advertising of their own offers. monetary transfers, the uninterrupted This raises branch location benefits, e-commerce boom has also led to a strengthens customer loyalty and ena- steady growth in parcel volume. How- bles banks to profit from a further ser- ever, it is often the case that delivery vice improvement. The system’s modular design allows times do not correspond with recipi- the matching of the number and size ent availability. As a result, with ever- In addition, a possible use of the par- of the lockers to individual require- greater frequency parcels have to be cel lockers also for non-bank custom- ments, and this also applies to the deposited in a safe place to await ers opens up new potentials. As a rule, type of installation. Optimized for the pick up, for example in a 24/7 acces- typical online shoppers complete their respective space conditions, the rug- sible KePol parcel locker from KEBA. banking transactions per cell phone or ged and secure KePol parcel lockers computer and thus virtually never visit can be deployed both indoors and out- These lockers are generally found in a bank branch. However, KePol parcel doors – no matter if winter or summer. post offices or well-frequented places lockers can change this situation and such as railway stations and shopping lead to a greater awareness of bank- Bank & logistics automation centers. They are used on a daily basis ing offers and the subsequent acquisi- from a single source by a growing number of people, not tion of new customers. With the KePol parcel lockers, bank just for parcel pick up, but also drop branches that already employ KePlus off and returns. 24/7 parcel service both cash and non-cash equipment get an in- and outdoors additional, customer-friendly product, Therefore, why should banks not also The KEBA parcel lockers have a rep- which allows to offer modern services use the popularity of the KePol parcel utation of being especially reliable and around the clock. lockers and thus further enhance the customer friendly. Therefore, postal attractiveness of their branches...? and logistics organizations around KEBA is a well-known and reliable part- the world are increasingly opting for ner in both banking services and parcel More service, KePol to offer the convenient, round- automation, providing everything from new customers the-clock availability of parcel pick up, a single source - hardware, software, With their own parcel lockers in drop off and returns. service and support. self-service zones, or outdoors directly in front of their branches, banks can

IM TREND 27 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, 4041 Linz, Gewerbepark Urfahr Simone Traxler Phone: +43 732 7090-27705, E-Mail: [email protected]

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

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

KEBA Group worldwide Austria • China • Czech Republic • Germany • India • Italy Japan • Netherlands • Romania • South Korea Taiwan • Turkey • USA

www.keba.com