MACD

What MACD does

Foconis (operating brand of the Foconis GmbH group, the entity captured as 'MACD') is a privately-held German software vendor serving the financial industry, primarily German commercial banks and Sparkassen (savings banks) across Germany, Switzerland, and Luxembourg. It builds specialized, regulation-grade enterprise software for capital-markets compliance, end-to-end securities trading, payment processing, and data/process management — functions that are tightly coupled to German and EU regulatory frameworks (BAIT, MaRisk, DORA, MiFID II, WpHG, GwG, KWG, DSGVO). At formation of the Foconis Group at year-end 2023, the company combined Foconis AG / GenoData EDV-Systeme GmbH, Foconis Trading GmbH, and Foconis Payment GmbH under a single holding led by CEO Olaf Pulwey, drawing on operating businesses dating back to 1986.

The product architecture is platform-plus-modules, anchored by five flagship systems: Foconis-ZAK® (control-process and capital-market compliance with ISM, WP2 and IKT controls), Foconis-DECIDE (pre- to post-trade securities trading, order execution, risk, clearing/settlement), Foconis-GDix (data warehouse, process management and BI), Foconis-MAX (order management), and Foconis FPH (payment hub for instant payments, SEPA, SWIFT, EBICS). Roughly twenty specialty add-ons extend the flagships into compliance (whistleblowing, AEOI/FATCA, WpHG documentation), data integrity (anonymization, fund controls), payments (VoP, CESOP, SWIFT GPI), workflow, CRM, and intraday liquidity. Integrations include ATRUVIA, SWIFT (Service Bureau since 2007), Target2S, EBICS, FIX, SCHUFA, and IDnow. Deployment models are SaaS or on-premise; one named AI feature (Kundenpotenzialanalyse) analyzes structured banking data for sales affinity.

The business model is enterprise B2B with annual subscription licensing (quote-based, not publicly disclosed, scaled to institution size and modules) plus professional services for implementation, consulting, and support. Direct field sales is the primary go-to-market, with seven regional offices (Vilshofen an der Donau, Hamburg, Herzogenrath, Landau, Aachen, Zürich, Luxembourg) supporting roughly 650 banks and Sparkassen across ~400 employees. The company is privately held with no disclosed institutional investors or external funding rounds.

Name

MACD

Legal name

Foconis GmbH

Website

https://macd.com

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

11–50 employees

Short description

Foconis is a privately-held German software group providing regulatory, trading, payment, and data-management enterprise software to ~650 banks and Sparkassen across Germany, Switzerland, and Luxembourg via five flagship platforms and ~20 add-on modules.

Ownership category

akta.pro rank

Product category

Financial Banking Software

NAICS

Software Publishers (51321)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Financial Planning & Analysis (FP&A) & BI (HDAEAMAG)

Keywords

• Banking compliance software
• Capital markets trading software
• Payment processing platform
• Regulatory reporting software
• Business intelligence banking

Headquarters

HQ city

Maur

HQ country

Switzerland

HQ region

Europe

Offices7 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Software Licensing and Subscriptions: Enterprise software licensing model with annual subscriptions for banks and Sparkassen. Solutions include Foconis-ZAK, DECIDE, GDix, and Payment solutions. Pricing appears to be customized based on institution size and modules selected.
2. Professional Services: Implementation, consulting, project management, and support services for software deployment and integration.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Foconis (Foconis GmbH) develops and sells proprietary software platforms for banks and Sparkassen (German savings banks). Its five flagship products cover capital market compliance and control processes (Foconis-ZAK®), end-to-end securities trading from pre-trade to post-trade (Foconis-DECIDE), payment processing (Foconis FPH), process management and Business Intelligence (Foconis-GDix), and electronic order management (Foconis-MAX). Solutions are delivered as subscription-licensed enterprise software, deployable on-premise or as SaaS, with accompanying professional services for implementation and integration.

Product overview

Foconis is an innovative software company serving the financial industry (banks and savings banks) with a comprehensive portfolio of specialized software solutions. The company operates a platform-plus-modules architecture centered on five flagship products: Foconis-ZAK® (control process and capital market compliance), Foconis-DECIDE (end-to-end trading from pre-trade to post-trade), Foconis FPH (payment hub for instant payments and payment processing), Foconis-GDix (process management and Business Intelligence with data warehouse), and Foconis-MAX (order management for electronic securities trading). These flagship systems serve as the foundation for numerous specialized modules addressing Compliance (ISM controls, securities control, whistleblowing, GDPR status, WpHG documentation), Data Integrity (mass data changes, fund controls, merger support), Trading (front office, risk management, clearing), Payment (instant payments, SWIFT, EBICS, online banking), Process Quality (workflow management, task management, complaints), and Sales Support (customer potential analysis, CRM, data management). The offerings target German and European financial institutions with solutions for regulatory compliance, process automation, and digital transformation.

Differentiator

Problem solved

Functional benefit

Brands

• Foconis-ZAK®: Führendes Kontrollprozess- und Kapitalmarkt-Compliance-System für Banken und Sparkassen.
• Foconis-DECIDE
• Foconis-MAX
• Foconis FPH (Foconis Payment Hub)
• Foconis-GDix
• Foconis MIP
• Foconis Instant Payments
• Foconis Liquidity Cockpit
• Foconis Online Banking
• Foconis-GDix.Expert

Products and services

• Foconis-ZAK® Leading control process and capital market compliance system for banks and Sparkassen, providing intelligent control automatisms for information security (ISM controls), securities control (WP2), IKT controls (BAIT, MaRisk, DORA), data integrity in lending, and comprehensive regulatory compliance automation.
• Foconis-DECIDE End-to-end financial market processes from pre-trade to post-trade, covering front office trading, decision support, order execution management, position management, risk management, clearing/settlement, and capital market solutions for investment banks, brokers and exchanges.
• Foconis FPH (Payment Hub) Intelligent processing of payment transactions for banks and Sparkassen, supporting instant payments, individual payments, SEPA card clearing, SWIFT connectivity, EBICS integration, and 24/7 payment workflow automation across redundant data centers.
• Foconis-GDix Process management and Business Intelligence system providing data warehouse capabilities, workflow management, reporting, analytics, and configurable process control for financial institutions, with pre-configured reports for ATRUVIA bank environments.
• Foconis-MAX Flexible order management system for electronic securities trading, supporting automated market making, fund trading with straight-through processing, and real-time transaction and customer information for rapid market reactions.

Named customers3 records

Segments2 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability2 records

Feature5 records

Partnerships

Three partnerships are on record, tiered core.

• Foconis Analytics GmbHcoreStrategic or Co-development Partner · 31 December 2023Formed through merger of Foconis AG and GenoData EDV-Systeme GmbH. Focuses on ZAK control system and GDix process management/BI platform. Located in Vilshofen an der Donau and Landau in der Pfalz.
• Foconis Trading GmbHcoreStrategic or Co-development Partner · 31 December 2023German market leader for capital market software providing end-to-end securities trading solutions (DECIDE platform). Locations in Hamburg, Aachen, and Zürich.
• Foconis Payment GmbHcoreStrategic or Co-development Partner · 31 December 2023Innovative payment solutions provider covering instant payments, SEPA, SWIFT, EBICS. Headquartered in Herzogenrath with additional locations in Aachen and Luxembourg.

Scale indicators3 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• Atruvia AG: Central IT service provider to the German cooperative banking sector (Volksbanken/Raiffeisenbanken), formed from the merger of Fiducia and GAD. Overlaps directly with Foconis in compliance, BI (GDix targets ATRUVIA as integration partner), and core bank-adjacent workflows at the largest scale in German banking IT.
• msg systems AG: Large German IT consulting and software group with a dedicated banking practice covering core banking, regulatory reporting, and capital-markets compliance. Overlaps with Foconis on multiple product domains, but operates at significantly larger scale and across more industries.
• Temenos AG: Swiss-listed global provider of core-banking and regulatory software, with European bank footprint and strong regulatory/compliance module offerings. Comparable regulatory theme and Swiss-origin geography, though Temenos serves a broader international audience and core-banking layer.

Direct peers

• PPI AG: Hamburg-based specialist IT/software provider to German banks and financial institutions. Directly comparable on the niche-focus dimension, building core-banking-adjacent and capital-markets software for the same target audience as Foconis.
• GFT Technologies SE: German-listed IT services and software vendor focused on retail and wholesale banking transformation. Comparable in target customer (commercial banks), banking regulatory expertise, and German institutional reach, though broader in consulting and cloud migration services.
• S-Payment GmbH: Payment service provider for the German Sparkassen financial group, covering card issuing, acquiring, and digital payment services. Head-to-head comparable with Foconis Payment / FPH on payment-hub products targeting the same customer base.

Emerging players

• Sopra Steria Banking: European banking software and services arm of Sopra Steria, with German/Nordic banking customers. Comparable on regulatory/AML/compliance software theme, but broader geographic reach and larger delivery footprint than Foconis.

Regional players

• Avaloq: Swiss core banking and wealth management platform serving private banks and asset managers in Switzerland and adjacent European markets. Comparable on the Swiss-banking-regional dimension where Foconis also maintains a Zürich office and customer base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/macd
• Instagraminstagram.com/foconis4finance

Compliance9 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries5 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 MACD