CREALOGIX Blog — Insights for Digital Leaders

How can financial services stay human in the era of digital-only banking?

Banks represent decades of trust and expertise, and these are human values which will always be essential to banking. But the personal interaction between a client and their bank is rapidly shifting from physical branches to online spaces.

Jens Rabe

Chief Operating Officer

June 17, 2019

PSD2 Implementation in UK Banking – Interview with Chris Wood, API Standards Expert

We spoke to Chris Wood, API standards expert, to shed some light on where the UK banking industry currently stands regarding PSD2, both in terms of the experience of larger banks & wider retail banking industry moving towards Open Banking.

Anton Zdziebczok

Head of Product Strategy

June 3, 2019

Mobile banking: VZ Depotbank sets standards with CREALOGIX Mobile Application Platform

Two different core banking systems and a number of internal and external applications under one interface: In a large-scale consolidation project, VZ Depotbank combined all digital banking functions on one platform.

Marcel Bopp

Senior Project & Account Manager

May 29, 2019

PwC study: Banking-as-a-Service and strategic partnerships become mainstream

As more and more banks cooperate with service providers, their strategic importance is growing: This is the result of the fourth relevant study (in German) titled "Outsourcing in the financial industry", published by PwC.

Maryam Danesh-Kajouri

Global Head of Product Marketing

May 29, 2019

Survey: Challenger banks score points as customer caterers

If more than 60 % of 1,500 consumers doubt that their bank is prepared for their digital needs, the industry faces potential problems. Find out how the preferences and experiences of bank clients in Switzerland and Germany differ!

Maryam Danesh-Kajouri

Global Head of Product Marketing

May 23, 2019

“Banks need to benefit from the momentum”

Dr. Richard Dratva, Board of Directors Vice President & Chief Strategy Officer, was asked about strategic partnerships as expert on PwC study "Outsourcing in the financial industry"

Jasmin Epp

Group Communications & Brand Manager

May 16, 2019

Global tides of change: the financial industry must adapt fast

As customers, we want our bank to be reliable, but that’s not the same thing as saying our expectation of banking is standing still.

April Rudin

Founder and CEO

May 16, 2019

Digital Soft Tokens catapult into the 21st century

We’re fast approaching the era of mobile-only banking. When Apple announced the Apple Card last month, the feature that stood out was that the entire customer experience happened on the phone.

Pascal Wengi

Managing Director APAC

April 25, 2019

Survey: Challenger banks – a soon-to-be fixture on the digital landscape?

Almost 70% of bank customers would try another provider for a more attractive mobile banking service. The survey also found that only around 30% are completely satisfied with their current app.

Maryam Danesh-Kajouri

Global Head of Product Marketing

April 25, 2019

Success factor for banks: Modular corporate customer portals

While companies in general are embracing digitisation at an encouraging rate, the corporate banking world can often feel one step behind. Today, banks have to meet growing demands for speed and networking.

Sebastian Manthei

Senior Sales Manager

April 16, 2019

The CREALOGIX Community Platform for the Platform Economy

How do we develop software? In close exchange with our customers! We introduce: the CREALOGIX Community Platform!

Maryam Danesh-Kajouri

Global Head of Product Marketing

April 11, 2019

The potential of Open Banking in Asia (1): positive conditions

Alibaba and Tencent (Wechat) have long been part of our everyday lives. These technology companies are representative of the extremely powerful digital economy in our region.

Pascal Wengi

Managing Director APAC

April 11, 2019

Loyal mobile-first customers: open banking in Asia

In many countries, large technology companies are setting the pace in digital banking. An examination of the Asian markets gives an insight into what Europe will face, and what strategies European banks can employ to counter this trend.

Pascal Wengi

Managing Director APAC

March 27, 2019

Delivering simplicity is a complex proposition when security is at stake

In 2019 we are going to see a lot of changes in payments UX due to PSD2. Great digital user experience is not the sole preserve of challenger banks.

Simon Rodway

Pre-Sales Solutions Consultant

March 7, 2019

Digital banking: e-commerce without returns

Low transaction costs and a traditionally strong IT focus can lay the groundwork for banks to play a pioneering role in e-commerce. But despite this, the digital maturity of the banking industry remains below average.

Maryam Danesh-Kajouri

Global Head of Product Marketing

February 28, 2019

CREALOGIX wins with Financial Simulation App “Best of Show” award for Third Year Running

The second day of FinovateEurope 2019, 13 February 2019, was reserved for live demos of groundbreaking applications. We presented our financial simulation app TimeWarp.

Reto Girsberger

Head of WowLab

February 13, 2019

Open Banking: PSD2 to enter the platform economy

Between the mood of optimism and the final spurt: the PSD2 architecture must be in place for payment services by mid-March of this year.

Ludwig Volk

Head of Product Management

February 6, 2019

Innovation: We give everything for the wow factor

The latest results from our think tank WowLab will be presented at FinovateEurope 2019 from 12 to 14 February 2019. Our mastermind, Reto Girsberger, will demonstrate how prototypes are created where the spark ignites.

Reto Girsberger

Head of WowLab

January 30, 2019

Forrester classifies CREALOGIX as top provider of Digital Banking Engagement Platforms

In the fourth quarter of 2018, Forrester analysts evaluated the DBEP (Digital Banking Engagement Platforms) market and rated CREALOGIX as a leading provider. We are one of the strongest players in terms of sales.

Maryam Danesh-Kajouri

Global Head of Product Marketing

January 22, 2019

Challenging the Challengers: three sources of competitive pressure in retail banking and how to respond

Here are three strategic insights we’ve developed from our market research in order to guide our clients in addressing the challenge and becoming more competitive.

Jo Howes

Commercial Director

January 16, 2019

Digital Banking Trends 2019

If a bank continues to hesitate or procrastinate in 2019, it may well lose its digital connection, drastically restricting its room for manoeuvre. These five trends will interlock over the coming 12 months.

Richard Dratva

Board of Directors Vice President & CSO

January 10, 2019

Savings: Open Banking for optimal customer experiences

Raisin-CPO Maik Ludewig reports on lessons learned and explains what he understands by customer-centric banking.

Maik Ludewig

Chief Product Officer

December 19, 2018

Ease of use is the top priority in attracting and keeping mobile banking users

What attracts new users to try out mobile-first bank accounts, instead of sticking with their old high street banks? It’s all about making life easier.

Jo Howes

Commercial Director

December 13, 2018

Hybrid consulting: Hauck & Aufhäuser addresses Affluent customers digitally

The traditional private bank Hauck & Aufhäuser, is keeping up with the times by expanding its product range to include digital asset management.

Madeleine Sander

Head of Corporate Development

December 12, 2018

Hybrid advice: Anything goes in private banking

In order to serve all target groups according to their preferences, private banks are embarking on the path of digital transformation towards hybrid banking.

Maryam Danesh-Kajouri

Global Head of Product Marketing

November 30, 2018

Like robo-advisory, AI in wealth management will be another chance for digital leaders to pull ahead of the competition

CREALOGIX UK CEO Mike Bradford discusses how wealth managers and private banks can gain competitive advantage from AI if they have the right technology strategy.

Mike Bradford

UK CEO

November 22, 2018

The Use of AI in Banking – Part II

The following sections discuss further areas of application for AI in the areas of credit assessment and fraud prevention, investment advice / investment, compliance and Intelligent Robotic Process Automation.

Prof. Dr. Dirk Neuhaus

Professur für Informationssysteme

November 14, 2018

Use of AI in Banking – Part I

Use of artificial intelligence in chatbots, personal voice assistants (PVA) and personalized marketing in the banking sector.

Prof. Dr. Dirk Neuhaus

Professur für Informationssysteme

November 7, 2018

CREALOGIX Digital Banking Days 2018: A Recap

We are delighted to announce that The Digital Banking Days 2018 were the most successful yet. With 250 attendees, current industry drivers such as Hybrid Consulting, Open Ecosystems and Artificial Intelligence fueled discussions.

Kathrin Schmidt

Marketing Manager

November 1, 2018

Creating connectivity and trust

Uwe Härtel describes the advantages of Strong Push Authentication and introduces Smart Alerts, a service specially developed for CREALOGIX.

Uwe Härtel

Country Manager Central Europe

October 18, 2018

Securities Industry Conference 2018: do Bitcoin’s energy problem and volatility mean it will fail?

Read this summary to find out about his warnings about the problems faced by bitcoin.

Jo Howes

Commercial Director

October 17, 2018

Situational Banking: Improving Personal Advice

In times of intense competition, financial institutions are required to clearly define their role. Regional banks have an advantage: They are very close to the customer, at least geographically, through a dense network of branches with.

Maryam Danesh-Kajouri

Global Head of Product Marketing

October 10, 2018

No Silver Bullets: Q&A on Fighting Digital Banking Fraud

As the global banking sector undergoes an unprecedented level of technological transformation, incumbents and innovative new entrants are racing to seize emerging new opportunities and gain a competitive edge in a changing marketplace.

Mike Nathan

Director of Global Banking Solutions

October 5, 2018

Digital Banking Days 2018: The Pathway to the Bank of the Future

At the Digital Banking Days on October 24 and 25, 2018 in Frankfurt am Main, we will em-bark on a search for "The Pathway to the Bank of the Future".

Kathrin Schmidt

Marketing Manager

October 3, 2018

Making wealth management relevant for the new generations: CREALOGIX WealthTech breakfast in London

CREALOGIX hosted a networking breakfast as part of our regular Digital Dining Club series. Here’s a summary of what was discussed.

Jo Howes

Commercial Director

September 26, 2018

IDC Fintech Ranking: We see technology from a banking and customer perspective

We are delighted to report that IDC Financial Insights has once again added us to the list of the worlds’ Top 100 FinTechs.

Maryam Danesh-Kajouri

Global Head of Product Marketing

September 26, 2018

Open Banking: SGKB and Credit Suisse Report on Practical Experience

With 25 guests and two top-class speakers at the Digital Banking Breakfast on September 19, 2018 in Zurich, we discussed various models of how banks can adapt to the requirements of digitally influenced customer groups.

Regina Schrempf

Professional Product Marketing

September 26, 2018

Digital Banking Breakfast: Open Banking – Implementation and Perspectives

In the EU, the implementation phase of PSD2 regulation has begun. Open banking is also becoming an increasingly important topic for financial institutions in Switzerland.

Regina Schrempf

Professional Product Marketing

September 12, 2018

Individual recommendations and protection against cybercrime: AI (Artificial Intelligence) in banking

For a long time, the search for sustainable AI (Artificial Intelligence) applications for banks yielded little tangible result. Here are some topics we will cover at the Digital Banking Days in Frankfurt am Main on 24 and 25 October 2018.

Maryam Danesh-Kajouri

Global Head of Product Marketing

September 5, 2018

Cooperation with FinTechs: The CIO should clarify some aspects beforehand

How do Banks CIOs find the right technology partner for their organizations requirements? Today, we are summarizing the strategic considerations that support the successful digitization strategy.

Maryam Danesh-Kajouri

Global Head of Product Marketing

August 30, 2018

43% of Banking Customers in Switzerland use Mobile Banking

How digital are Swiss millennials? We conducted a survey of 1,000 banking customers aged 18 to 45 years.

Regina Schrempf

Professional Product Marketing

August 21, 2018

Knowledge instead of trust: the potential of the blockchain

Blockchain technology opens up new opportunities for cross-company collaboration as well as new avenues to explore for the finance industry.

Anton Zdziebczok

Head of Product Strategy

July 24, 2018

CREALOGIX wins 2018 Systems in the City award for wealth management software

Last week CREALOGIX attended the Systems in the City Awards in London and we were delighted to receive an award for "Best Web Front End Solution".

Jo Howes

Commercial Director

July 16, 2018

Open Banking: Major banks between legacy systems and future concepts

What digital strategy is promising for a financial institution depends on its size, among other things. Big banks are required to position themselves individually.

Maryam Danesh-Kajouri

Global Head of Product Marketing

July 11, 2018

Open Banking: Opportunities for smaller financial institutions

Open banking gives small and medium-sized financial institutions the ability to gradually renew their offering or to expand their portfolio with digital products and communication channels.

In order to find out more about the current state of retail banking we conducted a survey of around 1,000 consumers between the ages of 18 and 45. The result: Digital banking is a matter of course for millennials.

Maryam Danesh-Kajouri

Global Head of Product Marketing

May 25, 2018

DIN 77230: “Software can contribute significantly to guiding the process of advising customers”

The DIN standard 77230 defines an agreed framework for a basic analysis of the financial situation of private individuals.

Anesa Sebecevac

Marketing & Social Media Intern

May 16, 2018

Corporate banking: given a helping hand with an aggregated view of the user experience

Over 80% of your corporate customers will maintain multiple banking relationships. Multi-banking is therefore a key requirement in business and corporate banking.

Sebastian Manthei

Senior Sales Manager

May 9, 2018

Gravity: banking with the speaking saver

Huge impact: at FinovateEurope 2018 in London, we introduced our latest brainchild, the Gravity banking app. It got a hearty thumbs up from the audience – and the 'Best of Show 2018' award. Keen to learn more?

Eszter Vass

Senior Pre Sales & Key Account Manager

April 26, 2018

Middle East: on course for expansion with GulfTech and Islamic Banking

With the acquisition of INNOFIS at the turn of the year, we are expanding into the Middle East as a market. INNOFIS's customers include, for example, the NCB, Saudi Arabia's largest financial institution, and the Al Rajhi Bank.

Maryam Danesh-Kajouri

Global Head of Product Marketing

April 12, 2018

PSD2: Buffet of options instead of one special of the day

PSD2 is coming. Of this much, everyone is in agreement in the financial industry. But what does that mean for individual institutions, for customers, and even for the future of the banking landscape?

Ludwig Volk

Head of Product Management

March 22, 2018

Good guidance: using customer experience to strengthen the brand

A good customer experience strengthens a bank’s brand more than any image campaign. Here, the UX (user experience) needs to be permanently readjusted to the customer's requirements.

Maryam Danesh-Kajouri

Global Head of Product Marketing

March 15, 2018

The director’s journey: UXP also orchestrates the bank team’s “journey”

Our Product Innovation Tour has its première in the financial centre of Frankfurt on 13th March.

Ludwig Volk

Head of Product Management

March 8, 2018

Digital banking face to face: lively industry exchange in Cologne

On 22 February 2018 the CREALOGIX Digital Banking Breakfast industry event took place in Cologne for the second time.

Kathrin Schmidt

Marketing Manager

March 1, 2018

Best advice app at the “Asian Private Banker” Technology Awards

An accolade in one of the most exciting wealth management markets in the world: the Asian Private Banker has awarded CREALOGIX with a Technology Award 2017 as the Best Mobile/Tablet App Developer.

Pascal Wengi

Managing Director APAC

February 27, 2018

Product Innovation Tour 2018: the customer journey as a road movie

Our innovative banking products support financial institutions in presenting their customers with a new customer experience. On our Product Innovation Tour 2018 we invite you to the cinema and turn the customer journey into a road movie.

Maryam Danesh-Kajouri

Global Head of Product Marketing

February 22, 2018

Digital Transformation: FinTechs are still a role model for banks

After the temporary decline of the first FinTech hype wave, Digital Transformation is the most trending and relevant buzzword among banks right now. FinTechs have been a great accelerant for Digital Transformation so far.

Mariusz C. Bodek

Senior Manager

February 8, 2018

P2P Payment: “just” a feature or a must-have for banks?

Consumers increasingly ask for digital alternatives to replace cash. In terms of customer loyalty, financial institutions can hardly avoid offering P2P (peer-to-peer) payment.

Maryam Danesh-Kajouri

Global Head of Product Marketing

February 1, 2018

Hybrid Bank 2.0: How financial institutions are tapping new sales potential with an optimised customer experience

It is not a case of one or the other, but both: to increase customer satisfaction and thus loyalty, it makes sense to merge online and offline offerings into a hybrid overall experience.

Maryam Danesh-Kajouri

Global Head of Product Marketing

January 25, 2018

Realizing ideas: Innovation- and Changemanagement – an interview with Richard Dratva

The focus is now on innovation and growth. We asked Richard Dratva, our Chief Strategy Officer, what will help financial institutions during this transformation, and what they can expect in 2018.

Anesa Sebecevac

Marketing & Social Media Intern

January 23, 2018

CREALOGIX honoured at The Banking Technology Awards 2017

Last night we were delighted to win the award for the ‘Best Digital Channels Banking System Provider 2017’ at the Banking Technology Awards.

Jo Howes

Commercial Director

December 15, 2017

Reap the rewards of the digital ecosystem: how lone wolves become successful team players

The disruptive effects of digitisation are placing financial institutions in a tight spot. Almost every bank is improving customer experience one way or another.

Ludwig Volk

Head of Product Management

December 7, 2017

Asset planning – the 360° consulting solution for Private Banking at Volksbanken and Raiffeisenbanken

Regional co-operative banks wanting to improve their Private Banking advice use asset planning from ELAXY | CREALOGIX, a holistic consulting solution that puts the aims and wishes of private customers at the very heart of things.

With 20 years' experience and a technologically outstanding platform, we are once again the undisputed number one.

Maryam Danesh-Kajouri

Global Head of Product Marketing

September 21, 2017

Make cash more efficient with barzahlen.de

In 2013, we founded barzahlen.de in co-operation with banks as a payment service provider. The business connects Point of Sale systems from circa 10,000 individual retailers across Germany.

Matthias Mohn

Leiter Banken - Head of Banking

September 11, 2017

Commended: Raisin and CREALOGIX have been nominated for a Diamond Star

Meet us at the Handelsblatt conference in Frankfurt am Main on 6th and 7th September 2017 and join the award ceremony on 7th September!

Kathrin Schmidt

Marketing Manager

August 29, 2017

Open APIs Help or hindrance for banks?

It has changed the way services are offered, business models and most importantly, it has fundamentally improved the customer experience.

Maryam Danesh-Kajouri

Global Head of Product Marketing

August 17, 2017

Banking shaped by the customer

Thanks to the increase in computing power, speed of information and smartphone revolution, customers expectations towards services they use have changed.

Maryam Danesh-Kajouri

Global Head of Product Marketing

August 8, 2017

Make your digital signature your gateway to paperless (digital) credit in no time at all

Last year 53 percent of Germans did their banking over the internet, according to the German Federal Statistics Office.

Danielle Rietsch

Head of Marketing

August 7, 2017

Open for new Business-Models: Digital Banking Hub

Hats off to Raisin, the Berlin-based startup was founded just three years ago and has already visibly changed the banking landscape.

Dr. Sandra Daub

Head Product Management Digital Banking

July 19, 2017

Award for JM Finn Secure Client Portal – Interview with Mike Bradford

CREALOGIX Team in the UK have won a Goodacre Systems in the City Award for the JM Finn Secure Client Portal. Mike Bradford tells more about it.

Su Franke

Beraterin, Referentin und Dozentin

July 13, 2017

100+ days as CEO: Interview with Thomas Schneider

We have asked Thomas Schneider, for more than 100 days as CEO of Digital Banking Switzerland, a few questions and what he is working on.

Jasmin Epp

Group Communications & Brand Manager

July 6, 2017

Save Smarter with Online Banking Platforms

In 2014 we entered the market convinced that the money of German and European investors is worth more than the low interest rates in many European countries.

Dr. Gerhard Köstler

CTO

July 6, 2017

Open Banking and the New Generation

Information technology has changed how we carry out our day to day activities in many ways.

Maryam Danesh-Kajouri

Global Head of Product Marketing

June 15, 2017

Virtual Banking: the new way to access financial services

Interview: We asked Reto Girsberger, head of our innovation department “WowLab”, what the Virtual Banking entails.

Maryam Danesh-Kajouri

Global Head of Product Marketing

May 10, 2017

From payment to success

If it was a novelty 20 years ago, access via the Internet to the private account is self-evident today.

Jasmin Epp

Group Communications & Brand Manager

April 13, 2017

Virtual reality banking app – our speech at FINOVATE in London

Remember how Tesla changed the automobile industry?

CREALOGIX Group

Corporate Communications

February 3, 2017

Building Societies – the only way is up?

UK Building Societies can best be considered as a specific type of Savings and Loan, structured as mutual organisations owned by their members.

CREALOGIX Group

Corporate Communications

January 17, 2017

Insights for Digital Leaders in the financial services industry

How can financial services stay human in the era of digital-only banking?

PSD2 Implementation in UK Banking – Interview with Chris Wood, API Standards Expert

Mobile banking: VZ Depotbank sets standards with CREALOGIX Mobile Application Platform

PwC study: Banking-as-a-Service and strategic partnerships become mainstream

Survey: Challenger banks score points as customer caterers

“Banks need to benefit from the momentum”

Global tides of change: the financial industry must adapt fast

Digital Soft Tokens catapult into the 21st century

Survey: Challenger banks – a soon-to-be fixture on the digital landscape?

Success factor for banks: Modular corporate customer portals

The CREALOGIX Community Platform for the Platform Economy

The potential of Open Banking in Asia (1): positive conditions

Loyal mobile-first customers: open banking in Asia

Delivering simplicity is a complex proposition when security is at stake

Digital banking: e-commerce without returns

CREALOGIX wins with Financial Simulation App “Best of Show” award for Third Year Running

Open Banking: PSD2 to enter the platform economy

Innovation: We give everything for the wow factor

Forrester classifies CREALOGIX as top provider of Digital Banking Engagement Platforms

Challenging the Challengers: three sources of competitive pressure in retail banking and how to respond

Digital Banking Trends 2019

Savings: Open Banking for optimal customer experiences

Ease of use is the top priority in attracting and keeping mobile banking users

Hybrid consulting: Hauck & Aufhäuser addresses Affluent customers digitally

Hybrid advice: Anything goes in private banking

Like robo-advisory, AI in wealth management will be another chance for digital leaders to pull ahead of the competition

The Use of AI in Banking – Part II

Use of AI in Banking – Part I

CREALOGIX Digital Banking Days 2018: A Recap

Creating connectivity and trust

Securities Industry Conference 2018: do Bitcoin’s energy problem and volatility mean it will fail?

Situational Banking: Improving Personal Advice

No Silver Bullets: Q&A on Fighting Digital Banking Fraud

Digital Banking Days 2018: The Pathway to the Bank of the Future

Making wealth management relevant for the new generations: CREALOGIX WealthTech breakfast in London

IDC Fintech Ranking: We see technology from a banking and customer perspective

Open Banking: SGKB and Credit Suisse Report on Practical Experience

Digital Banking Breakfast: Open Banking – Implementation and Perspectives

Individual recommendations and protection against cybercrime: AI (Artificial Intelligence) in banking

Cooperation with FinTechs: The CIO should clarify some aspects beforehand

43% of Banking Customers in Switzerland use Mobile Banking

Knowledge instead of trust: the potential of the blockchain

CREALOGIX wins 2018 Systems in the City award for wealth management software

Open Banking: Major banks between legacy systems and future concepts

Open Banking: Opportunities for smaller financial institutions

Open Banking: Universal language for customer experience projects

Pleasant conversation: chatbots to replace the flood of apps, including in banking

Looking towards Asia: Booming fintech market and open users

Why Blockchain Will Impact the Financial Sector

Putting the horse before the cart: digitalisation as the basis for differentiation

Bank customer survey in Germany 2018: The market is ready for Open Banking

DIN 77230: “Software can contribute significantly to guiding the process of advising customers”

Corporate banking: given a helping hand with an aggregated view of the user experience

Gravity: banking with the speaking saver

Middle East: on course for expansion with GulfTech and Islamic Banking

PSD2: Buffet of options instead of one special of the day

Good guidance: using customer experience to strengthen the brand

The director’s journey: UXP also orchestrates the bank team’s “journey”

Digital banking face to face: lively industry exchange in Cologne

Best advice app at the “Asian Private Banker” Technology Awards

Product Innovation Tour 2018: the customer journey as a road movie

Digital Transformation: FinTechs are still a role model for banks

P2P Payment: “just” a feature or a must-have for banks?

Hybrid Bank 2.0: How financial institutions are tapping new sales potential with an optimised customer experience

Realizing ideas: Innovation- and Changemanagement – an interview with Richard Dratva

CREALOGIX honoured at The Banking Technology Awards 2017

Reap the rewards of the digital ecosystem: how lone wolves become successful team players

Asset planning – the 360° consulting solution for Private Banking at Volksbanken and Raiffeisenbanken

PSD2: A new dance – but not for everyone? – Part 5 Dancers, new and old

Disruption instead of evolution: banking over the coming years

PSD2: A new dance – but not for everyone? – Part 4 new steps

Fear of the digital wallet: taking security concerns about mobile payment seriously

Banken Challenge 2020: Disruption through digitisation

PSD2: A new dance – but not for everyone? – Part 3 The old dance

PSD2: What’s in it for me? – Part 2

PSD2: What’s in it for me? – Part 1

A market with potential: Mobile Payment

Mobile Banking in Europe: CREALOGIX leads IDC rankings

Make cash more efficient with barzahlen.de