Summer Release 2025

With our new natural language search, we’re making the banking experience more intuitive than ever before — giving your customers an entirely new way to interact with digital banking.

Integrated into our AI Finance Managers (PFM, BFM), the search function analyses underlying transaction data in real time using AI. Your customers can ask their questions directly in plain language — no technical terms or manual filters needed.

• Retail example:“How much did I spend on my vacation in Spain?”
• SME example: “How much did we spend on Social Media in 2024.”

They instantly receive clear, precise, and context-based answers. This brings complex financial data into context — directly within digital banking, compliant with data protection, and accessible to all users. It enhances usability, satisfaction, and your customers’ financial literacy.

A milestone on the path to banking that thinks ahead and a major step toward Self-Driving Money:

The Smart Balance Optimizer is the AI-powered assistant for intelligent liquidity and interest rate management. It automatically analyses your customers’ financial behaviour, identifies their spending patterns, and suggests actions to help them earn more interest — without manual effort.

Users benefit from higher interest earnings and full control — all on autopilot. For SMEs, the Smart Balance Optimizer also offers a smart alternative to traditional cash pooling solutions, which are primarily geared toward large corporations.

The Smart Balance Optimizer is available as part of our AI Personal Finance Manager and AI Business Finance Manager — or as a stand alone solution.

The newly integrated questionnaire in the Carbon Footprint Manager lays the foundation for even more accurate CO₂ calculations.

Now, individual factors such as housing type, heating method, and diet are included in the analysis. Users gain more accurate insights into their personal carbon footprint — directly in digital banking.