X-WERT

What X-WERT does

X-Wert BankTechnology GmbH (X-WERT) is a Frankfurt-based boutique consultancy founded in 2007 that provides banking technology advisory and outsourced officer services to small and medium-sized financial institutions in Germany. The firm does not develop proprietary software; instead, it sells deep, vendor-agnostic expertise across the banking technology stack, including core banking platforms (Avaloq, Temenos T24, Mambu, OSplus, Oracle FLEXCUBE, innus.BankSuite, Finastra Midas), treasury and accounting systems (SAP Bank Analyzer, Murex MX.3, Oracle Financials Cloud), portfolio and asset management solutions (Temenos Triple'A Plus, SimCorp Dimension), trading and capital markets infrastructure (Bloomberg, Refinitiv, Finastra KONDOR, COMYNO C-ONE), regulatory reporting tools (BearingPoint ABACUS/DaVinci, Moody's Analytics, REGIS-TR), and CRM/online banking platforms (Salesforce Financial Services Cloud, Objectway OBS).

The firm's service catalog is structured around two lines. The first is project-based consulting covering core banking selection, migration and integration, business process and risk management optimization, test management, payments and banking API connectivity, and regulatory reporting (MaRisk, BAIT, AML/KYC, DSGVO, AnaCredit, EMIR, Basel). The second is Beauftragtenwesen, the outsourcing of certified compliance, AML, IT security and data protection officers under multi-year individual service agreements with on-site delivery. Pricing is bespoke and quote-based per engagement or retainer; the company does not publish standard rates. The operating model is sales-led, with client relationships held directly by managing directors Bernd Greitemeier (Geschäftsführender Gesellschafter) and Torsten Peukert (Geschäftsführer), supported by a small bench of IPMA- and PMI-certified, bank-trained consultants.

Go-to-market is relationship-driven and geographically limited to Germany, relying on direct outreach, professional networks (LinkedIn, Xing), and the company website. Distribution is exclusively direct; there are no channel partners or resellers, and the sole publicly disclosed ecosystem partner is Innus GmbH. The firm holds no patents or externally recognized awards, and there is no indication of venture capital, private equity, or institutional investor involvement. The company is structured as a private GmbH under German law, headquartered at Untermainanlage 7, 60329 Frankfurt am Main, with a stated headcount band of 1-10 employees.

Name

X-WERT

Legal name

X-Wert BankTechnology GmbH

Website

https://x-wert.de

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

1–10 employees

Short description

X-Wert BankTechnology GmbH is a Frankfurt-based boutique consultancy delivering banking technology advisory, core banking migration, and outsourced compliance, AML, IT security and data protection officer services to small and medium-sized banks in Germany.

Ownership category

akta.pro rank

Headquarters

HQ city

Frankfurt

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Banking Technology Consulting: Project-based consulting engagements for core banking migration, business process analysis, risk management optimization, and regulatory compliance. Engagements are typically scoped with defined deliverables and timelines. Revenue is recognized as professional services on a project-by-project basis.
2. Outsourced Officer Services (Beauftragtenwesen): Ongoing service contracts for outsourced compliance, AML, IT security, and data protection officers. After an initial analysis phase, certified experts provide continuous on-site support under individual service agreements. This generates recurring professional services revenue from retainer-style contracts.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

X-WERT provides banking technology consulting and outsourced regulatory officer services to small and medium-sized banks in Germany. Offerings include core banking system analysis, migration, and integration; business process and risk management optimization; and external Beauftragtenwesen (outsourced compliance, AML, IT security, and data protection officers) delivered on-site under individual service contracts.

Product overview

X-WERT BankTechnology GmbH is a consulting company offering a portfolio of advisory services for financial institutions, not a unified software product. The services encompass core-banking consulting (analysis, migration, implementation), project management, test management, and Beauftragtenwesen (outsourced compliance officers). Core-banking consulting covers system selection, implementation, and migration support across various banking software platforms. The Beauftragtenwesen service provides outsourced compliance, AML, IT security, and data protection officers. The company works with a wide range of banking systems including Temenos, Mambu, SAP, Oracle, Finastra, and others to support digital transformation and regulatory compliance for banks.

Differentiator

Problem solved

Functional benefit

Products and services

• Core-Banking Consulting (Beratungsangebot) Advisory and implementation support for core banking systems, including system selection, proof of concept, migration, and integration across platforms such as Avaloq, Temenos T24 Transact, Mambu, SAP, and Oracle Flexcube. Targeted at small and medium-sized German banks.
• Projektmanagement Certified project management services (IPMA and PMI) for banking IT projects, delivered using both agile and classical methodologies, with continuous knowledge transfer and documentation to ensure smooth handover to the bank's staff.
• Core-Banking Auswahl (System Selection) Advisory for selecting core-banking systems, including proof of concept evaluation, vendor assessment, and facilitation of practical collaboration between the bank and software providers.
• Implementierung & Migration Revision-secure integration and data migration support when banks switch to modern banking applications, including change and incident management.
• Testmanagement Certified test management with comprehensive test concepts, quality characteristic documentation, revision-secure test results, and professional staff training for banking software implementations.
• Compliance Services (Beauftragtenwesen) Outsourced certified compliance officers delivering on-site support for MaRisk, BAIT, and other regulatory requirements at small and medium-sized banks, with ongoing service contracts following an initial analysis phase.
• Anti Money Laundering (AML) Services Certified AML officer services including KYC, embargo screening, and evaluation of bank-specific money laundering risks, with ongoing on-site support.
• IT Security Services Outsourced certified IT security officers providing BAIT readiness checks, IT strategy and architecture evaluation, gap analysis, and ongoing on-site support for banking institutions.
• Data Protection Services Outsourced data protection officer services ensuring compliance with the German Federal Data Protection Act (BDSG) and GDPR (DSGVO) requirements for banks.
• Regulatorik & Meldewesen (Regulatory Reporting) Support for regulatory reporting requirements including AnaCredit, EMIR, and Basel compliance, covering tool selection, technical implementation, and operational support.
• Portfolio- & Asset-Management Consulting Introduction, integration, and development of portfolio and asset management solutions including market data connectivity, performance measurement, and front-to-back processes, using systems such as Temenos Triple'A Plus, SimCorp Dimension, and Factset.
• Treasury & Accounting Consulting Introduction, integration, and development of treasury and accounting management solutions such as Oracle Financials Cloud, SAP Bank Analyzer, Murex (MX.3), and Wallstreet Systems/ION Trading.
• Payments & Banking APIs Consulting Support for connecting modern payment systems and extending existing banking infrastructure, covering SEPA, Instant Payments, and Embedded Finance using systems such as FTS Finastra PAYplus, Mambu, and innus.BankSuite.
• Trading & Capital Markets Consulting Introduction, connection, and optimization of trading platforms including EMIR/MiFIR reporting, market data connectivity, and order/settlement management using systems such as COMYNO C-ONE, SmartStream, Deutsche Börse REGIS-TR, Bloomberg, Refinitiv, Murex (MX.3), and Finastra KONDOR.
• CRM & Customer Platforms Consulting Selection and introduction of CRM systems and online banking solutions focused on omnichannel capability, infrastructure integration, and modern customer interfaces, using SAP CRM, Salesforce Financial Services Cloud, and Objectway OBS.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration20 records

Feature12 records

Partnerships

One partnership is on record.

• Innus GmbHcoreTechnology or IntegrationInnus GmbH is a partner referenced in X-WERT's partner and expert network. Innus provides the innus.BankSuite banking software platform, which X-WERT references as one of the core banking and payment systems it supports in consulting engagements. X-WERT leverages this partnership for system expertise and likely recommends or integrates with innus.BankSuite in client projects. The partnership reflects X-WERT's approach of building on selected, familiar companies through active knowledge exchange and ongoing certifications.

Scale indicators1 record

Recent moves4 records

Expansion highlights4 records

Direct peers

• msg: msg is a large German IT consultancy with a dedicated banking division covering core banking, regulatory reporting, and risk management for German and European financial institutions — directly comparable to X-WERT's advisory and implementation services, though at much larger scale.
• BearingPoint: BearingPoint operates a substantial banking and capital markets practice in Germany with deep regulatory reporting expertise (ABACUS/DaVinci) and core banking transformation services — overlapping directly with X-WERT's core banking and RegTech consulting offerings.
• adesso: adesso is a German IT service provider with a strong banking practice covering core banking modernization, regulatory compliance (including BAIT/MaRisk), and insurance — closely aligned with X-WERT's Mittelstand banking IT consulting focus.
• Senacor Technologies: Senacor is a Munich-based IT consultancy focused on digital transformation, core banking, and regulatory technology for European banks — comparable to X-WERT in advisory-led delivery for German financial institutions.
• Fink Consulting: Fink Consulting is a Frankfurt-based boutique consultancy serving German banks on regulatory, compliance, and risk topics — a very similar size and niche profile to X-WERT, focused on MaRisk, BAIT, and outsourced officer services.

Broad incumbents

• Capgemini Invent (Banking): Capgemini's Banking and Financial Services practice covers core banking transformation, risk/regulatory compliance, and IT security across Europe — a broader incumbent that overlaps with X-WERT but at significantly larger scale and global footprint.
• Deloitte (Banking & Capital Markets): Deloitte's German banking practice offers core banking advisory, regulatory compliance (MaRisk/BAIT/AML), and IT security consulting — a broader incumbent competing for the same Mittelstand bank mandates that X-WERT targets.
• PwC Germany (Financial Services): PwC's German Financial Services practice provides regulatory advisory, risk management, and core banking transformation services — overlapping with X-WERT's BAIT/MaRisk advisory and outsourced officer offerings at a much larger firm scale.
• Sopra Steria (Banking): Sopra Steria has a German banking division delivering core banking, regulatory, and IT security services to European banks — a broader incumbent comparable in domain focus though considerably larger than X-WERT.

Others

• Innus GmbH: Innus GmbH is a banking software vendor (innus.BankSuite) and named X-WERT technology partner. While it sells software rather than consulting, it is an adjacent ecosystem participant that X-WERT integrates with in client engagements.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/x-wert-banktechnology-ag

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 X-WERT