CPB SOFTWARE

What CPB SOFTWARE does

CPB SOFTWARE AG is an owner-managed Austrian stock corporation founded in 1996, headquartered at Vorgartenstraße 206c in Vienna, with German subsidiaries in Miltenberg and Freising and active operations in 17 countries. The company provides IT software solutions and services primarily to banks and financial service providers, government and eGovernment clients, and trade/industry and education customers, and reports more than 600 active customers. Headcount is stated at 101-250 employees, and leadership sits with a three-member Management Board (Michael Gerlach as Spokesman, Michael Draschl, and Ing. Martin Schanda), with subsidiary managing directors Mag. Robert Neidhart and Ing. Walter Zöchling in Austria and Michael Gerlach, Maximilian Klappenberger, Johannes Poethen, and Christian Wust in Germany.

The product portfolio is anchored by two core banking systems (TAMBAS and EFDIS.CIFRA, the latter added via the June 2024 merger with EFDIS AG) and a modular suite of complementary applications: PROFOS for eBanking, SECTRAS for capital-gains tax processing, WMACCESS for securities messaging, ERIC.CLIENT and DIP.CLIENT for ELSTER/BZSt reporting, ANTI FINANCIAL CRIME.SUITE, RISK.SUITE, MELDE.HUB for modular regulatory reporting (CESOP, account register), DOCUMENT.HUB for high-volume output management, EDWIN for training administration, and the EPC-certified Verification of Payee (VoP) service that went live in March 2026. Public-sector offerings include MoKIS for parking management, SENCA for sensor-based parking monitoring, and the ZIVA civil defense app. Operationally, CPB holds ISO/IEC 27001:2024-01, ISAE 3402 Type 2, and IDW PS 951 Type 2 certifications, hosts services from Austrian and German data centers, and participates as a NetApp Gold Partner.

Revenue is generated through four streams: subscription/recurring software licensing of proprietary products, usage-based cloud services (IaaS, SaaS, BPaaS), professional services for custom software development, and managed services/BPO engagements. Distribution is consultative direct enterprise sales led by Head of Sales Fabian Kiesel, supplemented by inside sales, a partner and referral network, channel resellers, and direct cloud-service delivery. Pricing is quote-based and not publicly disclosed, with modular "pay-as-you-need" licensing for MELDE.HUB as a notable exception that lowers adoption friction for new clients.

Name

CPB SOFTWARE

Legal name

CPB SOFTWARE AG

Website

https://cpb-software.com

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

101–250 employees

Short description

CPB SOFTWARE AG, founded 1996, is an owner-managed Vienna-based software provider serving banks, financial service providers, and government agencies across 17 countries with 600+ customers, offering core banking systems, regulatory compliance modules, and public-sector applications.

Ownership category

akta.pro rank

Product category

Banking Software

NAICS

Software Publishers (5132), Custom Computer Programming Services (541511)

SIC

Services-Prepackaged Software (7372), Services-Computer Programming Services (7371), Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Cloud Compliance, Audit & Continuous Controls Monitoring (CCM/GRC) (HDABAHAI)

akta.pro secondary industry

Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK)

Keywords

• Core banking software
• Tax calculation engines
• Regulatory reporting platforms
• Compliance software suites
• Banking IT services

Headquarters

HQ city

Miltenberg

HQ country

Germany

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Software Licensing and Solutions: CPB offers both best-of-breed individual solutions and complete integrated solutions. Revenue is generated through software licensing of proprietary products including core banking systems (TAMBAS), tax solutions (SECTRAS), compliance suites, and other vertical solutions. Solutions are offered as both on-premise and cloud-based services.
2. Cloud Services (IaaS, SaaS, BPaaS): Cloud-based service delivery including Infrastructure as a Service, Software as a Service, and Business Process as a Service. Services are billed on a usage basis and provided from Austrian and German data centers.
3. Custom Software Development: Individual software solutions based on state-of-the-art technologies and open standards. Projects include eGovernment solutions and digital transformation projects for public and private sector clients.
4. Managed Services and BPO: Business Process Outsourcing services and ongoing IT management. CPB manages IT and business processes for clients, enabling them to focus on core competencies.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

CPB SOFTWARE AG develops and licenses proprietary software solutions for banks, financial service providers, government agencies, and industrial enterprises, including core banking systems (TAMBAS, EFDIS.CIFRA), eBanking (PROFOS), tax calculation (SECTRAS), regulatory reporting (MELDE.HUB), compliance (ANTI FINANCIAL CRIME.SUITE), risk management (RISK.SUITE), and output management (DOCUMENT.HUB). Solutions are offered both as on-premise licenses and as cloud-based services (IaaS, SaaS, BPaaS), complemented by custom software development and managed services.

Product overview

CPB SOFTWARE offers a portfolio of financial sector software solutions comprising core banking systems (TAMBAS, EFDIS.CIFRA), complementary modules for eBanking (PROFOS), tax processing (SECTRAS), regulatory reporting (MELDE.HUB, ERIC.CLIENT, DIP.CLIENT), compliance (ANTI FINANCIAL CRIME.SUITE, RISK.SUITE), document management (DOCUMENT.HUB), payment verification (VOP), and sector-specific applications (EDWIN for training administration, MoKIS for parking management). The architecture follows a modular approach where the core banking platforms serve as the foundation, supplemented by specialized add-on modules that address specific functional requirements such as tax, reporting, compliance, and output management.

Differentiator

Problem solved

Functional benefit

Brands

• CPB hilft: Corporate social responsibility initiative supporting charitable causes and community projects
• TAMBAS
• EFDIS.CIFRA
• PROFOS
• SECTRAS
• MELDE.HUB
• DOCUMENT.HUB
• VOP
• WMACCESS
• ERIC.CLIENT
• DIP.CLIENT
• EDWIN
• ANTI FINANCIAL CRIME.SUITE
• RISK.SUITE
• MoKIS
• SENCA
• ZIVA

Products and services

• TAMBAS Core Banking Comprehensive proprietary core banking system for banks and financial institutions, supporting complex banking operations including private banking with specialized offer and consulting processes via TAMBAS Navigator. Sold to banks and financial service providers in the DACH region and beyond.
• EFDIS.CIFRA Core Banking Core banking system added to CPB's portfolio through the merger with EFDIS AG in June 2024, providing core banking functionality for financial service providers.
• PROFOS eBanking eBanking solution providing web and app-based interfaces for retail customers to manage banking transactions, used together with TAMBAS and EFDIS.CIFRA core banking deployments.
• SECTRAS Tax Solution Tax calculation and reporting engine for financial institutions, supporting capital gains tax processing (German Abgeltungsteuer) for banks and insurance companies, including KWG §24c, CRS, and IDNR/KISTAM reporting obligations. Demonstrated by a 6-month migration at Solarisbank AG.
• WMACCESS Securities Messaging Securities messaging solution for handling and managing securities-related communications and notifications for banks and financial institutions.
• ERIC.CLIENT ELSTER Reporting ELSTER reporting client for submitting electronic tax declarations to German tax authorities by banks and financial institutions.
• DIP.CLIENT BZSt Reporting BZSt reporting client for submissions to the German Federal Central Tax Office (Bundeszentralamt für Steuern) by banks and financial institutions.
• EDWIN Training Administration Training administration software for managing educational programs and training processes, used by educational institutions for student/apprentice management.
• ANTI FINANCIAL CRIME.SUITE Compliance solution for anti-financial-crime measures including anti-money laundering controls for banks and financial institutions.
• RISK.SUITE Risk management solution for comprehensive risk assessment and management in banks and financial institutions.
• MELDE.HUB Reporting Client Modular reporting platform for regulatory reporting (CESOP, account register, and other reporting types) using a modular building-block principle where individual reporting types are added as independent modules. Non-invasive approach that does not interfere with core banking systems. Licensed via pay-as-you-need modular subscriptions.
• DOCUMENT.HUB Output Management End-to-end output management solution handling millions of pages. Converts content from different source systems into technically accurate, regulatory-compliant, and timely documents. Supports PDF/UA for accessibility compliance.
• VoP (Verification of Payee) EPC-certified Routing and Verification Mechanism (RVM) for SEPA payment verification. Supports banks, fintechs, and payment service providers in implementing Verification of Payee in a compliant and efficient manner.
• MoKIS Mobile Control and Information System Modular electronic parking space management and authorization administration solution used by Austrian municipalities and the City of Vienna to replace manual paper-based processes with paperless digital workflows in the cloud.
• SENCA Sensor-based Parking Monitoring Sensor-based parking space monitoring system using scan cars with vehicle-mounted cameras combined with sensor and GIS data, enabling precise, flexible, and efficient parking control for municipalities such as the City of Vienna.
• ZIVA Civil Defense App Civil defense app for modern crisis preparedness in Austria, making crisis preparedness more digital, personalized, and accessible. Developed by CPB SOFTWARE developers.
• Infrastructure as a Service (IaaS) Cloud-based infrastructure services provided from Austrian and German data centers on a usage-based billing model, enabling clients to consume IT infrastructure without owning hardware.
• Software as a Service (SaaS) Cloud-hosted delivery of CPB's banking, compliance, reporting, and parking software from Austrian and German data centers, billed according to usage with quick implementation that does not burden client IT infrastructure.
• Business Process as a Service (BPaaS) Outsourced management of business and IT processes for clients, allowing them to focus on their core competencies while CPB manages business processes for them.
• Custom Software Development Individual software solutions based on state-of-the-art technologies and open standards for eGovernment and digital transformation projects for public and private sector clients.

Quantifiable outcome

• MoKIS system operates in audit-proof manner with tamper-proof data storage
• +2 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

Six partnerships are on record, tiered core and major.

• SynoFin Risikomanagement Service AGcoreStrategic or Co-development Partner · 7 May 2025CPB acquired approximately 47% stake in SynoFin AG in Ruggell, Liechtenstein as strategic investor. SynoFin provides risk management services.
• NetAppcoreTechnology or Integration · 21 December 2021CPB operates as a NetApp Gold Partner, using NetApp solutions internally for secure and efficient data management ('drinking their own champagne'). This dual role as certified partner and customer enables optimal experience sharing and best practices integration into customer projects.
• EFDIS AGcoreStrategic or Co-development PartnerCPB merged with EFDIS AG, bundling expertise and expanding the product portfolio. This brought new innovative products including EFDIS.CIFRA, RISK.SUITE, ANTI FINANCIAL CRIME.SUITE, and CESOP.SUITE.
• CPB Community (Customers, Research Groups, Fintech, Partners)coreStrategic or Co-development PartnerCPB Community is a diverse and innovative community of clients, research groups, fintech companies, and partners. Includes SupportNet and Infopoint for customer support.
• E-Control / Austrian Federal Ministry for Climate ActionmajorStrategic or Co-development PartnerCPB developed the e-charging tariff calculator (ladetarif.at) in cooperation with E-Control and the Austrian Federal Ministry for Climate Action, Environment, Energy, Mobility, Innovation and Technology (BMK).
• City of ViennamajorStrategic or Co-development PartnerLong-standing partner in public digitization projects. CPB supplies technology for the SENCA sensor-based parking monitoring project and MoKIS parking management system.

Scale indicators5 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• SurePay: SurePay is a Netherlands-based pioneer in Verification of Payee / Confirmation of Payee, operating as a Routing and Verification Mechanism for SEPA payment verification. Most direct comparable peer to CPB's VoP product line, competing for the same EPC-certified RVM slots across European banks and fintechs.
• msg group: msg is a Germany-based software and consulting group with deep banking and insurance practice, offering core banking, regulatory reporting, and risk solutions. Highly comparable to CPB in customer base (DACH banks/insurers), product mix (core systems plus compliance modules), and mid-market enterprise positioning.
• PPI AG: PPI is a German software and consulting firm focused on retail and corporate banking, payments, and regulatory reporting. Closely comparable to CPB's core banking (TAMBAS), payments (VoP), and regulatory software (MELDE.HUB) lines, serving similar DACH bank customers.
• GRZ IT Center (Austrian Cooperative Banks IT): GRZ IT Center is the central IT provider for Austrian cooperative banks (Raiffeisen, Volksbank). Comparable to CPB as the other major Austrian banking software provider serving the same Raiffeisen/Volksbank customer base that CPB targets with TAMBAS, PROFOS, and SECTRAS.
• Fiducia & GAD IT AG: Fiducia & GAD is the IT service provider for the German cooperative banking sector (Volksbanken, Raiffeisenbanken, Sparda, PSD). It is a direct peer to CPB's TAMBAS and core banking products within the same DACH cooperative banking customer segment, though operating as a bank-owned IT utility rather than a commercial vendor.
• B+S Banksysteme AG: B+S Banksysteme is a German-Austrian vendor of core banking, payment, and regulatory software for savings and regional banks. Directly comparable to CPB's core banking (TAMBAS, EFDIS.CIFRA) and tax/reporting modules (SECTRAS, MELDE.HUB), targeting the same DACH mid-sized bank segment.

Broad incumbents

• Datev eG: Datev is the dominant German tax, accounting, and payroll software cooperative serving tax advisors, auditors, and SMEs. Overlaps with CPB's SECTRAS (German capital gains tax) and ERIC.CLIENT/DIP.CLIENT (ELSTER/BZSt reporting) lines, but operates at much greater scale and as a broader financial software utility rather than a banking-focused vendor.
• Finastra: Finastra is a large global financial software vendor formed from the merger of Misys and D+H, offering core banking, lending, payments, and treasury solutions. Directly comparable to CPB's TAMBAS core banking and VoP payments offerings, but as a tier-1 incumbent with thousands of bank customers globally.
• Temenos AG: Temenos is the global market leader in core banking software, serving over 3,000 financial institutions across 150+ countries. Comparable to CPB's TAMBAS core banking and regulatory reporting modules, though operating at vastly greater scale and competing primarily for tier-1 and large mid-market bank RFPs.

Emerging players

• Mambu: Mambu is a cloud-native core banking platform serving challenger banks, fintechs, and embedded finance use cases. Comparable to CPB's TAMBAS and EFDIS.CIFRA core banking in serving digital-first financial institutions, though Mambu targets cloud-native fintechs rather than traditional DACH savings banks.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/cpb-software-ag
• Instagraminstagram.com/cpbsoftware
• Xx.com/CPB_SOFTWARE

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries3 records

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 CPB SOFTWARE