DKB Code Factory

What DKB Code Factory does

DKB Code Factory GmbH is the wholly-owned digital product and engineering subsidiary of Deutsche Kreditbank AG (DKB), one of Germany's top three direct banks, and operates as the captive technology arm responsible for building and maintaining DKB's full digital banking stack. Headquartered at Friedrichstraße 200 in Berlin with a secondary office in Valencia, Spain, the company employs between 101 and 250 people across cross-functional chapters in frontend (TypeScript, React, Vue/Nuxt), backend (Kotlin/Java, SpringBoot, Kafka), DevOps (Docker, Kubernetes, Terraform, AWS), mobile (native iOS Swift and Android Kotlin), and Pega low-code, supported by UX research, UX/UI design, and agile coaching functions.

The company's product portfolio is structured around a platform-plus-modules architecture anchored by a Banking Services API layer that connects to DKB's core banking system. Customer-facing products include Private Banking (accounts, cards, loans, trading, and co-branded Miles & More cards with Porsche and Hilton), a Property Management Platform being upgraded from a 20-year-old legacy system, a Credit Loaning platform that digitizes a previously spreadsheet-based workflow, and a Housing Loans Portal launched in 2024 for self-service application tracking. An Accessibility Guild ensures WCAG and Barrierefreiheitsstärkungsgesetz (BFSG) compliance, and a GenAI customer chatbot — rebuilt in 2025 on an agentic LLM architecture using Microsoft Copilot/ChatGPT Enterprise — represents the most recent AI capability investment.

Commercially, DKB Code Factory operates exclusively as an internal technology provider to its parent and generates no externally contracted revenue; its products are distributed exclusively through DKB's customer-facing digital channels (web and mobile apps) serving retail and business customers in Germany. The entity is privately held with no external funding rounds, is led by CEO Sven Deglow, CDO Arnulf Keese, CFO Jan Walther, and Managing Director Alexander Lehsten, and has received consecutive Great Place to Work and Kununu Top Company certifications through 2026, alongside accessibility and diversity awards (PRIDE Champion, Charta der Vielfalt, RADIAN Female Friendly Workplace).

Name

DKB Code Factory

Legal name

DKB Code Factory GmbH

Website

https://dkbcodefactory.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

101–250 employees

Short description

DKB Code Factory GmbH is the wholly-owned digital product and engineering subsidiary of Deutsche Kreditbank AG, building and maintaining DKB's private banking, credit, and property management digital products from offices in Berlin and Valencia.

Ownership category

akta.pro rank

Product category

Digital Banking Software

NAICS

Electronic Computer Manufacturing (334111), Computer and Peripheral Equipment Manufacturing (3341), Printed Circuit Assembly (Electronic Assembly) Manufacturing (334418)

akta.pro primary industry

Cross-Border B2B2C Payouts (Mass Payouts, Gig/Creator, Marketplace) (FSAGAKAC)

akta.pro secondary industry

National/Regional Development Finance Institutions (DFIs) (FSABAKAB)

Keywords

• Digital banking software
• Core banking development
• Banking API platform
• Agile product engineering
• Banking UX design

Headquarters

HQ city

Berlin

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Infrastructure

Revenue model

1. Digital Product Development Services: Internal technology subsidiary developing and maintaining digital banking products for Deutsche Kreditbank AG. Operates as an in-house tech team providing product development, engineering, UX/UI design, and agile consulting services to support DKB's retail and business banking operations.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

DKB Code Factory is the wholly-owned technology and product development subsidiary of Deutsche Kreditbank AG (DKB), building and operating digital banking products for the parent bank. It delivers software products including private banking, a banking services API layer, a property management platform, credit loaning workflows, and a housing loans portal, supported by cross-functional teams in engineering, UX/UI design, research, and agile coaching.

Product overview

DKB Code Factory is the digital product division of Deutsche Kreditbank AG (DKB), operating as a techbank focused on both retail (private customers) and business customer banking. The company creates intuitive, customer-centric digital products that make banking seamless. At least 85% of funds are reinvested in sustainable products. The product portfolio consists of a platform-plus-modules architecture: the core Banking Services API layer powers all products, with Private Banking (accounts, cards, loans, trading including Miles & More and co-branded Porsche/Hilton products) as the primary customer-facing offering. Additional products include the Property Management Platform (being upgraded from legacy systems) and Credit Loaning (digitizing the credit process). The Housing Loans Portal represents a recent specialized sub-product for housing loan customers.

Differentiator

Problem solved

Functional benefit

Products and services

• Private Banking Digital private banking product delivered by DKB Code Factory for Deutsche Kreditbank AG customers, providing online private banking capabilities through the bank's digital channels.
• Banking Services (API Layer) An API layer that exposes banking services and integrations, enabling digital products across DKB to consume core banking functionality through standardized interfaces.
• Property Management Platform Property management platform built by DKB Code Factory for Deutsche Kreditbank AG, supporting banking-related property workflows and asset management.
• Credit Loaning Digital credit loaning product that automates and digitizes lending workflows for Deutsche Kreditbank AG customers, including application and processing through DKB's digital channels.
• Housing Loans Portal Online portal for housing loan applications and management, built by DKB Code Factory for Deutsche Kreditbank AG customers seeking residential property financing.
• UX/UI Design Services UX and UI design professional services provided by DKB Code Factory's design team to support digital banking product squads across DKB AG, with emphasis on accessibility-led design.
• Agile Coaching Services Agile coaching professional services provided by DKB Code Factory to support cross-functional product squads delivering digital banking products within the DKB AG group.

Quantifiable outcome

• 89% employee satisfaction rate
• +1 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability9 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Deutsche Kreditbank AG (DKB AG)coreStrategic or Co-development PartnerDKB Code Factory GmbH is a wholly-owned subsidiary of Deutsche Kreditbank AG. All digital banking products for DKB are developed and maintained by Code Factory, including private banking, business banking, property management, and credit services. Code Factory emerged from DKB Group to bring technological innovation and exceptional design to DKB's digital banking experience.
• Greenhouse Software Inc.minorImplementation/ SI/ Consulting PartnerGreenhouse serves as the applicant tracking system and data processor for DKB Code Factory's recruitment process. Based on EU-U.S. Data Privacy Framework certification, Greenhouse processes applicant personal data exclusively on behalf of Code Factory.
• Hacker SchoolminorOthersDKB Code Factory partners with Hacker School to support digital education for young people. Colleagues share knowledge, practical skills, technical know-how, and personal insights through workshops and mentoring, contributing to a more inclusive society.
• Life Teaches UsminorOthersPartnership with Life Teaches Us (Bildungspartner) to create educational opportunities and knowledge sharing with young people, supporting personal development and digital skills.
• German Association for the Blind and Visually ImpairedminorStrategic or Co-development PartnerPartnership for recruiting diverse participants with disabilities for usability testing and accessibility research, helping ensure DKB products work for all users including those relying on assistive technologies.

Scale indicators3 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Solaris SE: Berlin-based Banking-as-a-Service platform regulated in Germany, providing digital banking infrastructure. Comparable as a German-headquartered banking-tech platform with regulatory licensing, similar engineering culture, and overlapping banking product domain.
• Thought Machine: Cloud-native core banking platform used by major banks (including Lloyds, Standard Chartered) to replace legacy core systems. Directly comparable to Code Factory's mandate to modernize DKB's legacy banking systems on modern cloud architecture.
• 10x Banking: Cloud-native banking platform powering challenger and incumbent banks globally. Comparable in providing modern banking technology infrastructure to replace legacy systems, addressing the same core banking modernization problem Code Factory tackles for DKB.
• Backbase: Digital banking platform specializing in customer-facing banking experiences for retail and business banks globally. Comparable in delivering unified digital banking experiences, customer journeys, and API-driven banking platforms to banks modernizing legacy estates.
• Mambu: Berlin-based cloud banking SaaS platform providing composable core banking to challenger and incumbent banks. Highly comparable to Code Factory in cloud-native banking technology stack and target customer base of digital-first banks in Europe.

Broad incumbents

• Thoughtworks: Global technology consultancy with a strong banking and financial services practice, providing engineering, architecture, and modernization services. Comparable as an external engineering services provider serving banks on legacy modernization, though it operates across many industries rather than as a captive bank tech unit.
• EPAM Systems: Large engineering services firm with deep financial services vertical serving global banks and fintechs. Comparable as a digital engineering partner to banks, though broader in scope and external in commercial model versus Code Factory's captive structure.

Regional players

• N26: Berlin-based digital direct bank with strong in-house engineering and product culture serving German and European retail customers. Comparable as a top-tier German digital bank competitor to DKB with similarly modern in-house tech stack and product-led growth focus.
• bunq: Amsterdam-based European digital bank with proprietary in-house tech platform serving retail and SMB customers across multiple EU geographies. Comparable as a digital-first European bank with strong in-house engineering culture, serving as a strategic reference point for Code Factory's product ambitions.
• ING-DiBa: Germany's largest direct bank (ING Germany), a direct competitor to DKB in the German direct banking market. Comparable as a peer institution whose digital products compete with DKB's offerings built by Code Factory, though its tech development is structured differently.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInde.linkedin.com/company/dkbcodefactory
• Xx.com/DKB_CodeFactory

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about DKB Code Factory