Together we are shaping the future of the financial industry!

Bank business models are under massive pressure to adapt: the ongoing interest rate situation, changing customer demographics, and consolidation of smaller institutions are forcing banks to rethink their business models and define their strategic path. Many banks still reactively deal with innovative ideas, products, and business models. Clear innovation and differentiation strategies are necessary to remain competitive in the long term.

In 2025, Basel IV will also come into sharper focus: the gradual output floor of 72.5% will increase risk-weighted assets, particularly for regional banks that use models. This requires new approaches to portfolio, pricing, and capital strategies in order to reconcile regulatory requirements with profitability.

We support banks in responding proactively to these changes – with clear strategy development, tailor-made innovation management, and data-driven decision-making.

The competitiveness of banks increasingly depends on a consistent focus on end-to-end processes. Only by mapping the entire value chain can programs and products be delivered efficiently and in high quality. Radical standardization and automation of processing are thus becoming key success factors.

At the same time, the use of artificial intelligence opens up new business potential: AI-supported solutions compensate for the increasing shortage of skilled workers, accelerate the processing of standardizable business transactions, and enable the scaling of business models.

We support banks in the consistent implementation of operational excellence – through process design, intelligent digitalization, and the targeted use of innovative technologies. In this way, we create the basis for sustainable efficiency gains and strengthen the future viability of our customers.

The future viability of banks depends crucially on the modernization of their IT landscapes. Historically grown mainframe systems are increasingly reaching their limits: they are cost-intensive, difficult to integrate, and slow down innovation. Replacing these legacy systems with modern platforms is therefore a key prerequisite for greater agility and speed.

In addition, product organization in IT is gaining in importance: By consistently anchoring product responsibility in IT teams, faster results can be achieved, silos broken down, and technical requirements directly translated into digital solutions.

We support banks in designing and implementing a future-proof IT organization – from legacy replacement and the introduction of modern architectures to the development of agile structures for digital product development.

Regulatory requirements for banks continue to increase and call for clear strategies for implementation and organizational anchoring. With Basel IV, capital requirements will rise significantly from 2025 onwards, particularly due to the output floor, which will require many institutions to make adjustments to their portfolio, pricing, and capital strategies. At the same time, new regulatory frameworks such as the EU Data Act are gaining in importance. Banks must set up their data architectures and governance models in such a way that transparency, data sovereignty, and compliance are permanently guaranteed. In addition, geopolitical uncertainties and market volatility show that the ability to respond to crises is crucial. A professionally trained crisis team becomes a strategic tool for responding to stressful situations quickly, in a structured manner, and in compliance with regulations.

We support banks not only in efficiently implementing regulatory requirements, but also in using them as an opportunity for sustainable transformation and strengthening of the organization.

Cyberattacks are one of the biggest risks facing companies today – especially banks and small and medium-sized enterprises. With VR CyberGuard, UNITY offers a tailor-made range of services that provides your organization with long-term security and raises awareness among your employees.

Our three modules for maximum security:

• Cyber Security Bootcamp: Intensive workshop for managers and teams: Understanding the threat situation, identifying risks, planning measures.
• Cyber Security Quick Check: Compact analysis of your IT security based on BSI IT baseline protection – including roadmap and management presentation.
• Fundamentals of Security Management: Establishing a sustainable security organization, conducting risk analyses, and creating an emergency manual.

Your added value:

• Practical implementation instead of theory
• Orientation toward BSI standards
• Focus on SMEs and VR banks