Finanz Informatik

What Finanz Informatik does

Finanz Informatik (FI) is the central IT service provider and digitization partner of the Sparkassen-Finanzgruppe, the German savings banks financial group. Headquartered in Frankfurt am Main, Germany and founded in 2008, FI operates the OSPlus (One System Plus) core banking system, which serves as the central digital platform for approximately 348 Sparkassen, six Landesbanken, DekaBank, five Landesbausparkassen, public insurers, and other group entities. The platform reaches approximately 50 million end customers, services 114 million bank accounts, and processes over 187 billion technical transactions annually. App Sparkasse, Germany's most popular banking app with over 20 million active users, extends FI's reach into the consumer banking channel.

The product portfolio is anchored by OSPlus with semi-annual major releases (e.g., Release 26.0 in June 2026), supplemented by App Sparkasse, the S-KIPilot AI assistant for Sparkassen employees (multimodal: text, audio, OCR), the OSPlus_neo process modules for small-volume loans and digital construction financing, the Cockpit Immobilie real estate platform (part of the r u d i initiative), the Dynamische Schnittstelle (DynS) API for external partners, the Digitale Signaturplattform for electronic signatures, managed workplace services (MSAP Print, MSAP Apple, MSAPK), and SEVA secure remote access. FI operates its own data centers on green/eco-power with waste-heat reuse and processes all data domestically to maintain digital sovereignty. Subsidiaries include Star Finanz (banking app), inasys, FINMAS, FI-TS, Finanz Informatik Solutions Plus, and Web Computing (AI specialist acquired July 2024).

FI generates revenue primarily through subscription-based IT service contracts and platform usage fees with the Sparkassen-Finanzgruppe, with consolidated 2025 revenue of €2.69 billion (up from €2.57B in 2024 and €2.44B in 2023). The IT development budget exceeds €400 million annually, of which €328 million was invested in the OSPlus base offering in 2024. Distribution is exclusively through the Sparkassen-Finanzgruppe network; headcount stood at 5,037 FTEs at end-2024 (up from 4,650 at end-2023), with over 600 new hires added during 2025 and a recruiting class of 90+ apprentices/dual students described as the strongest in company history.

Name

Finanz Informatik

Legal name

Finanz Informatik GmbH und Co KG

Website

https://f-i.de

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Finanz Informatik is the central IT service provider and digitization partner of the Sparkassen-Finanzgruppe, operating the OSPlus core banking platform for 348 Sparkassen, 6 Landesbanken, DekaBank, and related entities, serving approximately 50 million end customers across Germany.

Ownership category

akta.pro rank

Headquarters

HQ city

Frankfurt

HQ country

Germany

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Software

Revenue model

1. IT Services to Sparkassen-Finanzgruppe: Complete IT services including application development, infrastructure management, data center operations, consulting, training and support provided to approximately 348 Sparkassen, 6 Landesbanken, DekaBank, 5 Landesbausparkassen, public insurers and other entities in the Sparkassen-Finanzgruppe.
2. OSPlus Platform Services: Operation and development of OSPlus core banking platform providing sales and service channels. Investment in base offering was 328 million euros in 2024, with over 400 million euro IT development budget in 2025.

Go-to-market motion3 records

Distribution channels6 records

Marketing channels10 records

Core offering

No information was provided in the input to support extraction of this field.

Product overview

Finanz Informatik provides a comprehensive IT ecosystem for the Sparkassen-Finanzgruppe built around the OSPlus core banking system, which serves as the central digital platform connecting approximately 350 Sparkassen, 6 Landesbanken, DekaBank, and other entities to 50 million end customers. The product portfolio centers on OSPlus with its regular releases (26.0, 25.1, etc.), supplemented by the App Sparkasse mobile banking app (Version 8.0/8.2), the S-KIPilot AI assistant with autonomous agent capabilities, and OSPlus_neo modern process modules including Online-Baufinanzierung and small-volume loans. Additional solutions include the Cockpit Immobilie real estate cockpit and r u d i platform, managed workplace services (MSAP, MSAP Print, MSAPK), the Dynamische Schnittstelle API for external partners, Digitale Signaturplattform for electronic signatures, and SEVA secure remote access. The company operates its own data centers in Germany and maintains digital communication channels including the FI-Kundenportal, FI-Magazin, FI-Compact events, and FI-Forum annual conferences.

Differentiator

Problem solved

Functional benefit

Brands

• App Sparkasse: Germany's most popular banking app with over 20 million active users, developed by Finanz Informatik for Sparkassen customers.
• OSPlus
• S-KIPilot
• FI-Compact
• FI-Forum
• Cockpit Immobilie
• Crossmo
• MSAP Print
• Dynamische Schnittstelle (DynS)

Quantifiable outcome

• Over 20 million active users of App Sparkasse - Germany's most popular banking app
• +5 more outcomes

Named customers12 records

Segments6 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability15 records

Feature10 records

Partnerships

Six partnerships are on record, tiered core and minor.

• FH Münster (Fachhochschule Münster)coreOthers · 19 May 2026Joint informatics study program starting winter semester 2026/27. Cooperating with Atruvia as the two largest digitalization partners for banks in Germany to address skilled worker shortage. FI and Atruvia jointly designing curriculum.
• Atruvia AGcoreStrategic or Co-development Partner · 19 May 2026Joint informatics study program with FH Münster starting winter semester 2026/27. As the two largest digitalization partners for banks in Germany, FI and Atruvia cooperate to address the skilled worker shortage in the German financial sector.
• enercity AGminorOthers · 7 May 2025Energy service provider expanding FI's e-mobility charging infrastructure at Frankfurt, Münster and Hannover locations. enercity provides 56 additional charging points and handles operation of all charging points. ~825 MWh charged to date, ~650 tonnes CO2 saved.
• Flow Factory (KI-Lab)coreStrategic or Co-development Partner · 1 December 2024Joint AI innovation lab founded with other Sparkassen-Finanzgruppe partners at end of 2024. Collaborative initiative to accelerate AI development and innovation for the savings bank group.
• Web ComputingcoreTechnology or Integration · 1 July 2024Acquired in July 2024 to strengthen FI's AI expertise. The Münster-based AI specialist Web Computing was integrated into the FI group to enhance artificial intelligence capabilities for the Sparkassen-Finanzgruppe.
• LBS NordWest (Landesbausparkasse NordWest)minorStrategic or Co-development PartnerJoint development of medial (online) credit process for small-volume loans and loans up to 50,000 euros integrated with OSPlus_neo. Partners in digital mortgage lending innovation.

Scale indicators12 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• T-Systems: Deutsche Telekom's enterprise IT arm and a large German provider of banking IT, cloud, and managed services. Competes with FI in German financial-sector infrastructure and cloud, and shares the domestic regulated-market dynamic.
• Capgemini: Global IT services leader with a dedicated Banking & Capital Markets practice delivering core banking modernization, data, and AI services to European banks. Comparable to FI in scale of banking IT delivery, though not a captive provider.
• Sopra Steria: Major European IT services group with a strong banking and financial services practice (Sopra Banking Software). It competes with FI for large European bank modernization and core banking projects, though without FI's captive savings-bank ecosystem.
• IBM Consulting (Banking): Global consulting and IT services business with a long-standing core banking and financial services practice, including hybrid cloud and AI deployments for European banks. Comparable to FI in scale of mission-critical banking infrastructure delivery, though not a captive provider.
• FIS (Fidelity National Information Services): Global financial technology provider of core banking, payments, and capital markets software. Compares to FI in providing mission-critical banking infrastructure, but at a much larger, multi-region scale and with a different ownership model.

Others

• Thoughtworks: Global technology consultancy focused on digital transformation, including financial services clients. While not a direct core banking competitor, it is comparable to FI's S-KIPilot-style AI/digital delivery work for large banking groups.

Direct peers

• Atruvia AG: Atruvia (formerly Fiducia & GAD) is the central IT partner for the German cooperative banking sector (Volksbanken/Genossenschaftliche Bankengruppe) and is explicitly described by FI as the 'other largest digitalization partner for banks in Germany'. The two cooperate on the FH Münster dual study program, mirroring FI's relationship to the Sparkassen sector on the cooperative side.
• Temenos: Swiss-listed core banking software vendor widely used by European retail and savings banks. Comparable to FI's OSPlus in core banking functionality, with a multi-tenant SaaS model serving many small and mid-sized European institutions.

Emerging players

• Avaloq (NEC Software Solutions): Swiss-origin core banking and wealth management platform, now owned by NEC. Targets private banks and wealth managers across Europe; competes with FI's OSPlus Förderbank and private-banking adjacent offerings in the European mid-tier banking market.
• Crealogix: Swiss digital banking software provider specializing in mobile and online banking platforms, often used by European cooperative and savings banks. Closely comparable to the App Sparkasse / digital channel stack within FI's portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries6 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 Finanz Informatik