As an innovative and regional company, we see the branch as an essential part of the “customer journey” of our clients. But why should the customer of tomorrow come to the branch? Let yourself be inspired by the most innovative and successful companies in the world, open up new perspectives and create the future image of Sparkassen branches!

Join Challenge now

11.11.2019 – 03.06.2020


Accompaniment and participation in the pilot phase of the winning idea + presentation to top management

1st place: 5.000 €

2nd place: 3.000 €

3rd place: 2.000 €

Status Quo

In the digital age, customers expect to be able to fulfil their wishes at any time, anywhere and in comfort. This is especially true in financial matters. No wonder, therefore, that direct banks, which operate exclusively online, have benefited from this trend so far. Branch banks like the savings bank Cologne Bonn however closes locations increasingly.

Personal advice, individually tailored concepts for the customer and his needs – all these still seem to be required – and a bank with stationary branches could enjoy an important competitive advantage.

But the branch concept must change. In the past, branch customers would seek advice on financial matters, make cash deposits and withdrawals or make bank transfers. Today, many of the traditional services are available online, which means that fewer and fewer customers come to the branch. As a result, more and more locations are being closed down.

The Challenge

Digitization opens up completely new possibilities for designing unique branches and applying innovative consulting and service concepts.

Modern design, applied robotics and AI, cooperation with cafés or artists, “CoWorking Spaces”, new or mobile approaches to personal advice, individual service offers or completely new approaches – everything is possible.

So the question is: How can today’s possibilities be used to innovatively design branch banks and their offerings and adapt them to today’s customer wishes? 

The Job

Be inspired by different directions:

Show which advantages inpatient counselling and service offers have and how unique personal counselling can be. Combine the long tradition and values of the Sparkasse with innovation and a vision of the future.

Further Information Innovative Banking Challenge