Our services
The best fintech solutions for the best banking
As IT partner for Erste Group, we are responsible for developing, implementing and running the IT solutions that enable the Group’s core customer-facing business. This includes Retail & SME, Sparkassen, Digital Banking with George and Telebanking Pro, as well as solutions that facilitate the Group’s operations in Corporates and Markets.
The second pillar of our services covers all corporate functions required to run the bank in the background of our customer-facing services. This includes solutions and tools in the areas of Risk, Group Finance & HR, Data and Data2Business.
George
Modern banking has a name. And we make sure it stays that way. George is the digital financial assistant for our customers, making money management easy and personal, so everyone can manage their money like a pro. Various features help users keep track of their finances and financial health. George Invest is part of the George app and a digital investment innovation powered by Erste Digital and George Labs. With its innovative features, George Invest delivers a modern, user-centred experience designed to shape the future of investing for everyone.
George Business
At Erste Digital, we are redesigning banking. For us, George Business is much more than just a tool – it is an expression of our passion for modern financial technology and intelligent design. The focus is always on simplifying and improving the day-to-day business of companies of all sizes.
With George Business, we offer a secure, user-friendly and powerful banking experience that is specifically tailored to entrepreneurs, financial managers and accountants. It is a platform that grows with the needs of businesses and pursues the vision of transforming the day-to-day financial activities of companies in a sustainable manner.
Other Services
Business Intelligence
Business Intelligence systems are business enablers. With them, we support bank steering departments such as Controlling, Risk and Statutory Reporting. At the same time, we aim to be the primary data provider, offering retail and corporate and even digital data services.
Cyber Defense
Protecting our data is our priority. Our Cyber Defence systems are used to identify, analyse and report events that occur or might occur within a network to safeguard information, information systems and networks against potential threats.
Data Centre/Cloud Operation
The cloud enables us to access resources and new technological capabilities fast and in a targeted manner, and to scale them cost-effectively and flexibly. We aim to integrate cloud services into our IT landscape as smoothly and efficiently as possible and make effective use of their capabilities.
Group Rating Systems
We provide a suite of rating solutions and tools, delivering customer ratings, financials-based analyses, loan decisions and intelligence to Erste’s credit risk business area. Rating systems also support the recently developed Financial Health service in George.
Open Banking
Bank customers want to choose where, when and with whom they manage their financial lives. This is a challenge for traditional banking models, but at the same time presents an opportunity for a new approach to banking – open banking.
Secure Online Payment
The EU’s new PSD2/SCA security standards require that online card payments are approved using sIdentity or cardTAN. This ensures that our customers enjoy greater security when paying with cards on the internet.
Data Services
We improve the quality of our data and align finance and risk data to enable our Group to fulfil regulatory requirements and enhance the capabilities of our calculation and reporting applications.
Trading Solutions
Our order management tool for agency trading, covering all securities asset classes, was fully developed in-house and is the result of the strong collaboration between business and IT.
Credit Risk Management
We develop intelligent rating model analyses and validations for credit risk management across Erste Group.