Deutsche Servicegesellschaft für Finanzdienstleister

What Deutsche Servicegesellschaft für Finanzdienstleister does

Deutsche Servicegesellschaft für Finanzdienstleister (DSGF) is the largest dedicated back-office outsourcing provider for German Sparkassen, serving approximately 400 savings banks through a nationwide production network of 12 locations and over 1,900 employees. Founded in 2006 from the merger of two back-office service providers and owned by the Sparkassen-Finanzgruppe, DSGF operates as the operational link between Finanz Informatik (FI), the central IT provider running the OSPlus core banking system and the ISP automation platform, and the individual Sparkassen. The company offers three core outsourcing models — DSGF.single for individual business area outsourcing, DSGF.regio for regional outsourcing that preserves local employment by taking over Sparkassen processes and staff under a 'Gestellung' (provision) arrangement, and DSGF.BdZ, a consulting concept supporting Sparkassen transformation to the Betriebsstrategie der Zukunft (Future Operating Strategy) — plus DSGF.admin OSPlus administration services. Revenue reached €103 million in 2023 (up from €90.3 million in 2020), with services spanning Marktfolge Aktiv (active market follow-up / credit processing), Marktfolge Passiv (passive market follow-up), payment transactions, documentary foreign business, third-party garnishment processing, AEOI/FATCA compliance, and—newly added in 2024—exclusive property valuation reports in cooperation with BayernLB's LBImmoWert.

The company's technology stack combines proprietary workflow automation with deep OSPlus/ISP integration. Flagship products include Kredit Live (a workflow system for automated construction financing processing based on PPS standard processes), Digitale Drehscheibe (a digital intake and routing platform that consolidates documents from scan, email, fax, and branch scanning into OSPlus and the ZDA archive), Kreditanalyseportal (an on-demand issuer credit analysis portal), and Filialscanning 2.0 with ScanComplete for branch digitization. Process automation is delivered via ISP-built automations and Robotic Process Automation (RPA) for selected AEOI/FATCA processing steps. Services are priced on a quote basis using either fixed unit pricing per order (debt collection, credit processing) or annual subscription / standard price lists (documentary foreign business), with customer cost savings of up to 50% on debt collection and over 47% on credit processing versus in-house production.

DSGF's go-to-market is enterprise field sales targeted at Sparkassen boards and senior management, supplemented by industry events (DSGF Infotage, DSGF Impuls, FI-Forum, Partner-Gipfel), webinars on specialized topics (foreign payment transactions, embargo monitoring, ESG risks in credit assessment, CRR III, estate processing), and the DSGF.aktuell newsletter. The customer base is exclusively the German Sparkassen sector and entities within the Sparkassen-Finanzgruppe, including S-International units and—via the 2024 LBImmoWert cooperation—property valuation needs across the cooperative banking network. Norbert Baumgärtner, Sprecher der Geschäftsführung since founding, has announced retirement effective September 1, 2026, with Uwe Adelmeyer appointed as his successor effective January 1, 2026.

Name

Deutsche Servicegesellschaft für Finanzdienstleister

Legal name

Deutsche Servicegesellschaft für Finanzdienstleister mbH

Website

https://dsgf.de

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

Deutsche Servicegesellschaft für Finanzdienstleister (DSGF) is the largest back-office outsourcing provider for German Sparkassen, serving approximately 400 savings banks through a 12-location production network using proprietary workflow automation (Kredit Live, Digitale Drehscheibe) integrated with the OSPlus core banking platform.

Ownership category

akta.pro rank

Product category

Banking Back-Office Outsourcing Services

NAICS

Accounting, Tax Preparation, Bookkeeping, and Payroll Services (54121), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (5182), Payroll Services (541214)

SIC

Services-Computer Processing & Data Preparation (7374), Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Billing & Revenue Operations (Subscription/Usage Billing, Rating, Order-to-Cash Support) (BPAAAGAD)

akta.pro secondary industries

International Payroll & Contractor Payments (FSAMAIAC), Cross-Border B2B2C Payouts (Mass Payouts, Gig/Creator, Marketplace) (FSAGAKAC)

Keywords

• Back-office outsourcing
• Savings bank services
• Credit processing automation
• Documentary foreign business
• Regulatory compliance services

Headquarters

HQ city

Cologne

HQ country

Germany

HQ region

Europe

Offices11 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure

Revenue model

1. Back-office outsourcing services for Sparkassen: DSGF generates revenue through providing back-office process outsourcing services to Sparkassen (German savings banks). Services include Marktfolge Aktiv (active market follow-up), Marktfolge Passiv (passive market follow-up), digitalization, payment transactions, foreign business, and personnel services. Revenue reached 103 million euros in 2023.
2. Process outsourcing fees: Sparkassen pay fixed unit prices per order in base packages. For debt collection processing, Sparkassen can save up to 50% compared to in-house production.
3. DSGF.regio model: Regional outsourcing model where business areas are transferred to DSGF including control and process sovereignty. DSGF employs Sparkassen staff through 'Gestellung' (provision) arrangement.
4. Corporate revenue: Revenue grew 3% to 90.3 million euros in 2020. Net profit after taxes nearly doubled to approximately 1 million euros. By 2023, revenue exceeded 100 million euros at 103 million euros.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels9 records

Core offering

DSGF provides outsourced back-office process services to German Sparkassen, including credit processing (Marktfolge Aktiv), passive market follow-up (Marktfolge Passiv), payment transactions, documentary foreign business, third-party garnishment processing, regulatory compliance (AEOI/FATCA), digitalization, and HR/personnel services. The company operates a 12-location nationwide production network and supports multiple outsourcing models including DSGF.single, DSGF.regio, DSGF.BdZ, and DSGF.admin, leveraging proprietary workflow systems such as Kredit Live and the Digitale Drehscheibe built on Finanz Informatik's OSPlus core banking platform.

Product overview

DSGF (Deutsche Servicegesellschaft für Finanzdienstleister) is a full-service back-office provider for Sparkassen in Germany, operating a multi-model service portfolio that includes outsourcing models (DSGF.single for full outsourcing, DSGF.regio for regional outsourcing preserving local employment, and DSGF.BdZ for the Future Operating Strategy consulting), add-on services (DSGF.admin for OSPlus system administration, Kreditanalyseportal for credit analysis, and Filialscanning 2.0), and proprietary software products such as Kredit Live (workflow system for automated mortgage processing), the Digitale Drehscheibe (digital document intake and routing platform), and AEOI/FATCA automated compliance processing. Services span market-follow-up activities ( Aktiv and Passiv), payment transactions, documentary foreign business, third-party garnishment processing, and property valuation, all delivered through a nationwide production network (DSGF-Produktionsnetzwerk) with 17+ locations. The DSGF was founded in 2006 and is the largest back-office service provider for Sparkassen in Germany by client count.

Differentiator

Problem solved

Functional benefit

Brands

• DSGF.single: Outsourcing of individual business areas of a Sparkasse
• DSGF.BdZ
• DSGF.regio
• DSGF.admin
• Kreditanalyseportal
• DSGF.Personal
• Digitale Drehscheibe
• Kredit Live
• DSGF.Aktuell

Products and services

• DSGF.single
• DSGF.regio
• DSGF.BdZ (Betriebsstrategie der Zukunft)
• DSGF.admin (OSPlus-Administrationsservice)
• Kreditanalyseportal (KAP)
• Kredit Live
• Digitale Drehscheibe
• Drittpfändungsbearbeitung (Third-Party Garnishment Processing)
• Dokumentäres Auslandsgeschäft (Documentary Foreign Business)
• AEOI/FATCA-Bearbeitung (Automated Tax Data Exchange)
• Immobilienwertgutachten (Property Valuation Reports)
• DSGF.Personal

Quantifiable outcome

• Cost savings of up to 50% compared to in-house production for debt collection processing
• +4 more outcomes

Named customers15 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature6 records

Partnerships

Ten partnerships are on record, tiered core, minor and moderate.

• LBImmoWertcoreStrategic or Co-development Partner · 31 July 2024DSGF and LBImmoWert (property valuation company of BayernLB) cooperate to provide Sparkassen-Finanzgruppe with high-quality property valuation reports. LBImmoWert specializes in full expert reports for commercial and special properties (§5 BelWertV), while DSGF handles high-volume short expert reports for residential properties (§24 BelWertV). The cooperation aims to be the exclusive provider of supervisory-compliant property valuation reports within the Sparkassen-Finanzgruppe. Initially focusing on the Ostdeutscher Sparkassenverband (OSV) and Sparkassenverband Bayern (SVB) regions.
• Finanz Informatik (FI)coreTechnology or IntegrationDSGF is the partner of Finanz Informatik (FI) and positions itself as the link between FI and the Sparkassen. DSGF operates using FI's core banking systems OSPlus and ISP, and is a certified ISP partner for creating ISP processes for Sparkassen through FI's service portal.
• Sparkassen- und Giroverband Hessen-ThüringenminorStrategic or Co-development PartnerCo-organized the DSGF Infoforum 'Bausteine für eine erfolgreiche Industrialisierung' in Frankfurt/Main in October 2018.
• S-InternationalmoderateStrategic or Co-development PartnerS-International units and associated Sparkassen use DSGF for foreign business processing. The DSGF expertise center for documentary foreign business is also available to S-International units.
• S-International WestfalenmoderateStrategic or Co-development PartnerS-International Westfalen and associated Sparkassen transferred their foreign business processing to DSGF.
• Sparkassenverband Westfalen-Lippe (SVWL)moderateStrategic or Co-development PartnerSVWL supports the BdZ (Betriebsstrategie der Zukunft) initiative and the role of DSGF as a service provider for Sparkassen. Vice President Jürgen Wannhoff opened the DSGF Infotage 2019.
• Sparkassen ConsultingminorImplementation/ SI/ Consulting PartnerListed as a cooperation partner alongside SSC Management Consult and ProService at DSGF Infotage events.
• SSC Management ConsultminorImplementation/ SI/ Consulting PartnerListed as a cooperation partner at DSGF Infotage events.
• ProServiceminorImplementation/ SI/ Consulting PartnerListed as a cooperation partner at DSGF Infotage events.
• Off Road Kids StiftungminorOthersDSGF supports the Off Road Kids Stiftung, a charity for street children and young homeless people, with annual donations of 5,500 euros. Additionally, DSGF offers internship and training positions to young people from the organization, providing them access to the job market.

Scale indicators10 records

Recent moves12 records

Expansion highlights6 records

Broad incumbents

• DATEV eG: Germany's largest IT and outsourcing provider for the cooperative economy (tax, accounting, payroll). Comparable to DSGF through its payroll/accounting BPO book of business (DSGF.Personal) and its cooperative ownership/mandate structure, though larger and broader in scope.
• Finanz Informatik GmbH & Co. KG: The central IT provider of the Sparkassen-Finanzgruppe and OSPlus owner. Sister institution to DSGF within the Sparkassen group and its primary technology partner. Comparable as the upstream platform vendor whose product set anchors much of DSGF's outsourced service layer.
• Tata Consultancy Services (TCS): Global IT and BPO major with one of the largest banking/financial-services process services practices. Comparable to DSGF as a competitor for European bank outsourcing deals, leveraging global delivery and automation IP, similar in offering banking BPO across credit, payments, and compliance.
• Sopra Steria SE: Major European IT and business process services firm with a sizable German banking practice, including back-office BPO and core-banking consulting. Comparable to DSGF as an enterprise-scale banking BPO/IT competitor in DACH.
• msg systems AG: Ismaning-based independent German software and consulting firm with a strong banking practice (core banking, risk, regulatory). Comparable to DSGF in serving German-speaking banks with IT and process-outsourcing services, though with a broader product footprint.
• Accenture plc: Global consulting and operations provider with extensive banking back-office and process-automation practices across Europe. Comparable to DSGF in targeting large-scale banking operations outsourcing mandates, with similar emphasis on digital/automation-led delivery.
• Capgemini SE: Global consulting and operations firm with a strong German banking BPS (Business Process Services) practice, including finance & accounting and risk/regulatory operations. Comparable to DSGF at scale as a direct competitor for outsourced banking back-office mandates.
• Genpact Limited: Global pure-play financial-services BPO with deep banking operations, finance & accounting, and compliance processing capability. Comparable to DSGF as a competitor pitching process-outsourcing services to European banks, including data-driven automation.
• Star Finanz GmbH: Sparkassen-owned digital banking and online-banking software provider. Sister-company peer within the Sparkassen-Finanzgruppe serving the same customer base with adjacent digital-channel rather than back-office services.

Direct peers

• SIZ GmbH (Sparkassen-Informations-Zentrum): IT and back-office service company within the German Sparkassen-Finanzgruppe, providing software, IT security, and operational services to the same cooperative-banking customer base as DSGF. Directly comparable as an in-ecosystem Sparkassen BPO/IT peer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Deutsche Servicegesellschaft für Finanzdienstleister