Banking Segment.
We offer retail banks a broad spectrum of services aimed at reshaping and automating branch processes. This ranges from analysis, advice and design through to deployment of products and services and their operation. Furthermore, we are committed to expanding our portfolio for the management of entire processes. For example, we can optimize a bank’s cash management process, take over its branch IT operations under an outsourcing arrangement or provide comprehensive security solutions for systems, networks and buildings. Our product portfolio includes ATMs with a wide variety of features – from cash dispensing, cash or check depositing through to cash recycling, which supports both cash deposits and withdrawals. Our state-of-the-art banking terminals allow bank customers to conduct a range of transactions. At the heart of our software offerings are multivendor solutions that can be used to operate terminals from various manufacturers. We also offer multichannel solutions designed for the operation of applications and terminals within a uniform, server-based software architecture.

Retail Segment.
Our product and service portfolio within this segment is tailored to the in-store processes of retailers with international operations. It encompasses a range of sales solutions such as electronic checkout systems and application software as well as standardized, internationally deployable payment terminals and the handling of cashless transactions. We support the increasing trend toward automation and process migration to self-service with state-of-the-art solutions such as self-checkout systems. Our automation technologies also include reverse vending machines, mobile data-recording equipment, kiosk systems, electronic advertising displays and electronic shelf labels. Furthermore, we are expanding our retail cash management portfolio to cover the entire cash-handling process chain. With its open systems architecture, our family of modular, scalable BEETLE/EPOS (electronic point-of-sale) systems forms a fundamental part of our product range. We market an internationally deployable software platform for the management of processes at store level, capable of dealing with a wide range of checkout concepts – from traditional stationary checkout systems to mobile scanning. We are active in IT and business consulting in a number of countries, with an emphasis on SAP.

We respond to our customers’ key requirement for maximum systems availability through a comprehensive Services offering. We monitor customer systems around the world 24 hours a day from our 26 customer centers to identify any irregularities as soon as they occur. We offer traditional maintenance, remote fault rectification and software and network management to safeguard the security of IT networks. In 26 countries, our technicians are located near our customers. Furthermore, we supply over one million spare parts per year from our logistics centers spread around the globe. Banks are outsourcing the entire operation of ATM networks, servers and PCs to us and entrusting us with their cash management processes. In so doing, they assign to us the task of managing business processes they regard as non-core activities. In turn, we are able to streamline their cost structures and improve the availability of systems.