[…] personenbezogener Daten: - Vorname, Nachname - Adresse - Kommunikationsdaten (Telefon, E -Mail -Adresse) - Vertragsstammdaten, insbesondere Vertragsnummer, Laufzeit, Kündigungsfrist, Art des Vertrags - Rechnungsdaten/Umsatzdaten - Zahlungsdaten/Kontoinformationen - Account -Informationen, insbesondere Registrierung und Logins - Video - oder Bildaufnahmen 4. Aus welchen Quellen stammen die Daten? Wir verarbeiten personenbezogene Daten, die wir von unseren Kunden, […]

[…] for a correction and resubmission option dps.de/en/loesungen/cesop - compliance -service -en/ I will answer your questions regarding our CESOP Compliance Service: European tax authorities Payment transaction data Account/ Customer data CESOP Compliance Service Data Import Service CESOP Management Tool CESOP Communi - cation Service Database Processing of all common payment transaction products, including SEPA, […]

[…] Please note that revocation is exclusively non -retroactive. 9.3. Right to disclosure You may request the disclosure of whether we hold personal data about you. If you wish, we will inform you what data is involved, for what purposes the data is processed, to whom this data is disclosed, how long the data is […]

[…] compliance -solutions -2/ I will answer your questions regarding our CESOP Compliance Service: Kevin Seeck Partner +49 711 90387 -0 kevin.seeck@dps.de European tax authorities Payment transaction data Account / Customer data CESOP Compliance Service Data Import Service CESOP Management Tool CESOP Communi - cation Service Dat abase Processing of all common payment transaction products, […]

[…] aus rund zwei Dutzend Nationen in einem lebendigen, produktiven und motivierenden Arbeitsumfeld. Das Arbeitgeber-Bewertungsportal kununu listet DPS nicht nur als eine von den BeschГ¤f- tigten empfohlene В» Top CompanyВ«, sondern auch als ein besonders aufgeschlossenes und chancen reiches Unternehmen вЂ" als В»Open CompanyВ«. Die Orga ni sation HochschulprakВ­ tikum zeichnet uns als FAIR Company […]

[…] structures, operating environments, and database technology. We capture functional requirements with profound technical understanding. When selecting technologies and developing architectures, future-proofing, testability, maintainability, and integration are our top priorities. Adhering to established rules for secure and clean coding and our customers‘ programming standards is a matter of course for us. DPS’s service portfolio covers […]

[…] part of an innovation platform. DPS was involved – together with INIT, the leading international provider of intelligent ticketing systems for public transport. Our joint use case: TapNGo payments in public transport, integrated into a sandbox environment for the digital euro provided by the ECB. From concept to integration In the project, we were […]

[…] im Rahmen einer Innovationsplattform erstmals praktisch erprobt. DPS war dabei – gemeinsam mit INIT, dem international führenden Anbieter intelligenter Ticketing-Systeme für den öffentlichen Verkehr. Unser gemeinsamer Anwendungsfall: TapNGo-Zahlungen im ÖPNV, integriert in eine von der EZB bereitgestellte Sandbox-Umgebung für den Digitalen Euro. Vom Konzept zur Integration Im Projekt konnten wir zeigen, wie sich der […]

[…] and INIT were among only a few partners involved in both the Visionaries and Pioneers streams. With our joint contribution, we developed a practical use case for tap-and-go payments in public transport. INIT contributed its many years of experience in ticketing and public transport, while DPS contributed its in-depth expertise in European payment transactions. […]

[…] INIT waren als einer von nur wenigen Partnern sowohl im Visionaries- als auch im Pioneers-Stream beteiligt. Mit unserem gemeinsamen Beitrag haben wir einen praxisnahen Use Case für Tap-and-Go-Zahlungen im öffentlichen Nahverkehr entwickelt. INIT brachte dabei seine langjährige Erfahrung im Ticketing und ÖPNV ein, während DPS die tiefgehende Expertise im europäischen Zahlungsverkehr beitrug. Die EZB […]

[…] can continue to run existing payment processes in parallel while ensuring the reach of the digital euro across all channels. Market acceptance: Pilot projects such as ‘ Tap’n Go’ in public transport with DPS and INIT as examples of practical implementation. Banks need to examine how use cases with high customer benefits can be […]

[…] etc.). Im Fokus steht, wie Institute parallel bestehende Zahlungsverkehrsprozesse stabil weiterführen können und gleichzeitig die Reichweite des Digitalen Euro über alle Kanäle sicherstellen. Marktakzeptanz: Pilotprojekte wie „ Tap’n Go“ im ÖPNV mit DPS und INIT als Beispiel für praxisnahe Umsetzung. Banken müssen hier prüfen, wie sich Use Cases mit hohem Kundennutzen entwickeln lassen und […]

[…] clearing and settlement processes are analysed in their entirety and that interfaces to adjacent areas such as capital measures, reporting or liquidity management are also taken into account. A practical approach is to first model the so-called plain vanilla processes – i.e. the standard processes from order management to settlement. These are checked against […]

[…] (CBF) will focus entirely on core functions such as custody, settlement and record keeping, while Clearstream Banking Luxembourg (CBL) will take over banking-related services. The CBFi ‘6 accounts’ used to date will be phased out. This will result in a clearly structured division: settlement in central bank money (CeBM) via CBF and T2S on […]

[…] (including the BZSt via the DIP procedure) If required, connecting to reporting systems in other EU member states Handling of returns, including intelligent error interpretation and correction options A web-based dashboard for an overview of all reports – audit-proof and exportable Practical experience has shown that minimal solutions such as internal exports and manual […]

[…] made a clear leap forward in performance: with 65 points, it has not only achieved the best score in the company’s history, but is also among the top 24% of companies for the first time – awarded the bronze medal. The EcoVadis score is based on a comprehensive assessment in the areas of environment, […]

[…] 2025 durch EcoVadis erzielt DPS einen klaren Leistungssprung: Mit 65 Punkten wird nicht nur der bislang beste Wert der Unternehmensgeschichte erreicht, DPS gehört auch erstmals zu den Top 24 % der Unternehmen – ausgezeichnet mit der Bronzemedaille. Der EcoVadis-Score basiert auf einer umfassenden Bewertung in den Bereichen Umwelt, Arbeits- und Menschenrechte, Ethik sowie nachhaltige Beschaffung. […]

[…] audit-proof manner in the long term, you should not rely on short-term, minimalist approaches, but on a solution that takes both professional requirements and technical developments into account. This is the only way to consistently avoid errors, process returns in a targeted manner and integrate new requirements into ongoing operations at an early stage. […]

[…] the interoperability of payment service providers within the API-based Verification of Payee (VoP) framework – and, in the future, also for SEPA Request-to-Pay (SRTP) and SEPA Payment Account Access (SPAA). The European Payments Council (EPC) published the basis for the logical data model at the end of February 2025. Below we provide a concise […]

[…] Verzeichnisdienst dient der Identifikation und Interoperabilität von Zahlungsdienstleistern im Rahmen des API-basierten Verification of Payee (VoP)-Regelwerks – und perspektivisch auch für SEPA Request-to-Pay (SRTP) sowie SEPA Payment Account Access (SPAA). Die Grundlagen für das logische Datenmodell hatte der European Payments Council (EPC) bereits Ende Februar 2025 publiziert. Hier folgend geben wir einen kompakten Überblick […]

As the intensity of the Fontus project increases – the revision of master data delivery for securities at WM Datenservice – it is becoming clear that the success of the migration depends on one factor that has not yet been sufficiently taken into account by many institutions: test management.

[…] be concluded and settled no later than one day after trading. In August 2024, my colleagues Ulrike Uitz and Florian Sager wrote an overview article on the topic of T+1 in which they discussed the preparatory work for one of the key post-trading reforms in Europe – and formulated initial recommendations for banks. With […]

Die geplante Verkürzung des Abwicklungszyklus auf T+1 wird eine der weitreichendsten Veränderungen in der europäischen Wertpapierabwicklung seit Einführung von T+2 im Jahr 2014 mit sich bringen.

[…] – under all load conditions. The new SEPA regulation makes IP a mandatory offering. The VoP service also brings a new level of complexity: The name and account must be verified before each transaction is executed – and in real time. What does this mean for testing and quality assurance? Systems must not only […]

[…] document describes the technical steps required to enable WM data customers to continue processing data from WM after the delivery switch to Fontus. Customers have the following options in the context of the switch: Update variant: Customers can convert their existing productive systems using the Fontus data contained in the migration files. This variant […]

[…] participants (including banks and investment fund providers). A central committee, the Technical Sounding Board (TSB), meets regularly to steer development and ensure that customer needs remain a top priority. In the last meeting in July 2024, several important milestones were achieved which will decisively influence the further course of the project. One essential focus […]

[…] taking centre stage for European markets. How can banks prepare their systems for this major project? And does a possible T+0 default have to be taken into account? This article is intended to provide some initial answers. “Securities trading in the USA will be significantly faster than in Europe”, summarises the headline in the […]

The topic of CESOP has now reached the executive management floor of German financial institutions. A few days before the deadline for the 1st and 2nd CESOP reporting scheduled for 31 July, many banks are struggling with home-grown problems...

[…] messages with ISO 20022-compliant MX messages in cross-border payment transactions (CBPR+). To facilitate the migration from MT to MX, a coexistence phase was defined with various test options and a conversion service until November 2025. Even before the current update – and contrary to the original plans – it was known that the future […]

Eine Mitteilung von SWIFT zum geplanten Ende der Koexistenz von MT- und MX-Zahlungsverkehrsnachrichten sorgt für Unsicherheit beim Fahrplan hin zur vollständigen Umstellung auf die ISO 20022-Norm.

[…] achieving a correct connection to core banking systems, through which customer data with tax IDs must be delivered. Other challenges include combining different payment methods and cross- account aggregation. Other banks have already completed their preparations and are using the BZSt’s testing environment, which has now been reliably available since early April. Tobias Münsterberg, […]

[…] explained the complex challenges on the way to CESOP compliance to the bank representatives in attendance – including the merging of different payment types, the necessary cross- account aggregation and the processing of messages from the German Federal Central Tax Office (BZSt). With the CESOP Compliance Service (CCS), he then presented an efficient solution […]

[…] match, the name must also be given. Problems in this respect include a uniform and complete database, second names, legal forms, deviation from the company name and account holder, etc. If ineptly implemented, the VOP can lead to many unauthorised rejections of payments. In addition, this must also be implemented across all channels: at […]

In den letzten 7 Jahren haben wir uns ausgemalt was passiert, wenn Instant Payments zur Pflicht werden und welchen Mehrwert sie einer Bank bieten können. Wir haben viele Use Cases in der Branche diskutiert und verschiedenste Szenarien aufgestellt. Doch jetzt ist sie da – die Verpflichtung.

[…] a German bank uses German IBANs, it will report this transaction in Germany, even if the customer lives in Austria. Marketplaces do not use IBANs but user accounts to address their customers. Hence, they will need to refer to the location of the buyer and the seller to determine where to report a transaction. […]

[…] a German bank uses German IBANs, it will report this transaction in Germany, even if the customer lives in Austria. Marketplaces do not use IBANs but user accounts to address their customers. Hence, they will need to refer to the location of the buyer and the seller to determine where to report a transaction. […]

[…] is that the switches have to be removed in the foreseeable future, thereby entailing regression tests.   As a fundamental requirement, the following can be stated: Fallback options should now be considered as an integral part of a payment project. This is because: the next postponement in a payment transaction project is potentially on […]

Rund um ISO 20022 und TARGET2 sahen sich die Marktteilnehmer allein seit März 2020 mit 13 teils sehr kurzfristig verschobenen Deadlines konfrontiert.

[…] the institution’s country, on the one hand, and the payer’s or payee’s country, on the other, are different. In short: If an EU foreign national has an account with a German bank and receives a payment from another German bank, this payment was not categorised as a cross-border payment. It is now clear that […]

[…] an appropriate format, with specific details. In the process, card payments, SEPA credit transfers and a multitude of other payment transaction products must be mutually taken into account, then be converted into a uniform format and enriched with customer/account data. → The issue of CESOP is too small to develop a software solution for […]

[…] an essential part of our self-image not only to comply with the applicable rules, but also to avoid even the appearance of violating them. Taking this into account, DPS underwent an external audit and was able to prove that it has a functioning compliance system. In addition to the basic compliance processes, the certification […]

[…] do with each other must be merged. The interplay between the obligation to report and to ensure compliance with data protection regulations must also be taken into account. For the analysis of the transactions, certain data records must be merged – for the report itself, on the other hand, merging is not permitted under […]

[…] are, therefore, more likely to be surprised by the scope of these new obligations. The following example illustrates this point: A German specialist bank manages the business accounts of a local pharmaceutical distributor, who has a customer base spread all over Europe. Its EU customers pay for the delivery of goods by bank transfer. […]

The seventh amendment to the MaRisk adds an all new risk dimension with the topic of ESG, defining a framework of requirements for handling sustainability risks in the financial industry.

[…] sustainability risks into their risk assessment and respective management processes. As part of the EBA (European Banking Authority) stress test, climate risks must now be taken into account for the first time. In specific terms, this means that: Implementation of the EBA guidelines for lending procedures and the monitoring of such Comprehensive analysis of […]

[…] the new MaRisk. In this regard, the guidelines for credit transactions will be followed. Business model analysis: The sustainability of business models has not been taken into account in MaRisk yet. Since the business model analysis is an important component of the SREP methodology (Supervisory Review and Evaluation Process), clarifications are to be made […]

Zum zweiten Mal hat DPS das Jahresende mit einem Online-Weihnachtsspiel gefeiert, das wieder ein großer Erfolg war. Dank einer regen Beteiligung unserer Geschäftspartner*innen konnten wir den Spendenbetrag auf EUR 30.000 aufrunden.

For the second year in a row, DPS has celebrated the holiday season with an online Christmas game, which was once again a resounding success. Thanks to the active participation of our business partners, we have been able to round out the donation amount to 30,000 EUR.

In July, DPS Engineering GmbH’s eCMS client was successfully EMVCo recertified for the operating system versions Windows 10, Windows 7, Windows XP, with validity until August 2025.

The Internet of Things – what is it and what numbers are we talking about? The Internet of Things (IoT) is a network of physical objects and appliances that use various technologies (sensors, software etc.) to connect with each other over the internet

The Internet of Things – what is it and what numbers are we talking about? The Internet of Things (IoT) is a network of physical objects and appliances that use various technologies (sensors, software etc.) to connect with each other over the internet

Höchste Ansprüche an das Informationssicherheitsmanagement sollten in der Bank IT eine Selbstverständlichkeit sein. Die DPS Engineering GmbH hat für die Produktentwicklung, die Projektarbeit und das Application Management bereits vor Jahren ein Informationssicherheitsmanagementsystem gemäß den Anforderungen der ISO 27001 eingerichtet.

DPS Engineering GmbH already set up an information security management system for product development, project work and application management years ago that is compliant with ISO 27001 requirements.

Höchste Ansprüche an das Informationssicherheitsmanagement sollten in der Bank IT eine Selbstverständlichkeit sein. Die DPS Engineering GmbH hat für die Produktentwicklung, die Projektarbeit und das Application Management bereits vor Jahren ein Informationssicherheitsmanagementsystem gemäß den Anforderungen der ISO 27001 eingerichtet.

In der Juli/August-Ausgabe des Bankmagazins setzen sich Goran Popcanovski und Joachim Dorschel mit den aktuellen Herausforderungen des Auslagerungsmanagements auseinander.

In this article, we take a closer look at the question of what practical relevance programmable money can actually have for payment transactions.

Dieser Beitrag zum Themenkomplex CBDC ist der Frage gewidmet, welche praktische Relevanz programmierbares Geld für den Zahlungsverkehr tatsächlich entfalten kann.

In May 2020 Ripple announced that it has become part of the ISO 20022 Standards Body – a multi-part International Standard, set to replace SWIFTs current MT messages and aimed at a single standardised approach to be used by all financial standards initiatives.

In May 2020 Ripple announced that it has become part of the ISO 20022 Standards Body – a multi-part International Standard, set to replace SWIFTs current MT messages and aimed at a single standardised approach (methodology, process, repository) to be used by all financial standards initiatives.

In several articles, we aim to contribute to this differentiated debate by asking what potential “programmable money” holds for payment transactions in all their facets.

Das Magazin Focus hat in Kooperation mit dem Bewertungsportal Kununu auf Basis einer unabhängigen Datenerhebung die Top-Arbeitgeber im Mittelstand ermittelt. Als Datenbasis dienten rund 900.000 Unternehmensprofile.

[…] Projekte im Finanzwesen, von der Analyse und Konzeption über die Implementierung bis hin zur Produktivsetzung des IT-Systems. Wir bieten Dir ein erzeugendes Gesamtpaket aus attraktivew Gehalt und Top-Karriereentwicklungschancen. Weiter Infos zu unseren Beneftis findest Du auf dieser Seite. Wir haben Dein Interesse geweckt? Wir freuen uns, Dich kennenzulernen!   Hier kannst Du Dich direkt […]

[…] We think about tomorrow today Allowance for company pension scheme & capital-forming benefits We support our employees in all aspects of life Flexible working hours, home office options, award as a family-friendly company A matter of course for us State of the art IT equipment We promote personal growth Individual development opportunities, tailored further […]

[…] cooperates with FZI Forschungszentrum Informatik in projects or with respect to fundamental technological issues. FZI is an independant foundation. Since more that 35 years FZI stands for top-level applied science in IT and its fields of application. Center for Financial Studies DPS is a member of the Gesellschaft für Kapitalmarktforschung e.V., which is the […]

[…] projects in the area of self-service for various major banks. She has been a partner in the DPS Group since 2023. Andreas Kleiner Partner Andreas Kleiner is Account Manager and Partner of the DPS Group. After completing his studies in Stuttgart, Andreas Kleiner worked for a private bank for four years, gaining extensive insight […]

[…] and market development. After studying law, Joachim Dorschel worked as a lawyer in IT law. After joining DPS Engineering in 2014 he was initially responsible for the account management of one of the company’s major customers. In early 2016 Joachim Dorschel was appointed managing director. Joachim Dorschel regularly publishes articles on IT in the […]

[…] sie zur DPS und leitete regulatorische und IT-Projekte im Bereich SB für diverse Großbanken. Seit 2023 ist sie Partnerin der DPS-Gruppe. Andreas Kleiner Partner Andreas Kleiner ist Account Manager und Partner der DPS-Gruppe. Nach seinem Studium in Stuttgart war Andreas Kleiner vier Jahre in einer Privatbank angestellt und hat hierdurch umfangreiche Einblicke und Erfahrungen […]

[…] the data collected from you by the respective provider. For more detailed information on the scope, type and purpose of data processing and on rights and setting options to protect your privacy, please refer to the data privacy information of the respective social network provider. These are available at the following addresses: Facebook: https://www.facebook.com/policy.php […]

[…] joint research question based on your work. DPS Innovations also offers exciting bachelor’s and master’s theses – here you will have the opportunity to deal with novel topics such as use cases for the application of blockchain and distributed ledger technologies as well as payment solutions for the Internet of Things (IoT/IoP) in a […]

[…] TaylorWessing und Bartsch & Partner. 2011 wurde er Partner der Kanzlei Bartsch Rechtsanwälte in Karlsruhe. Nach seinem Eintritt in die DPS im Jahr 2014 verantwortete er zunächst das Account Management für einen Großkunden des Unternehmens. Anfang 2016 wurde Joachim Dorschel zum Geschäftsführer ernannt. +49 711 90387-0 office@dps.de Wilhelmus van Geenen Wilhelmus van Geenen ist Geschäftsführer der […]

[…] Marktentwicklung. Nach seinem Studium der Rechtswissenschaften arbeitete Joachim Dorschel zunächst als Rechtsanwalt für IT-Recht. Nach seinem Eintritt in die DPS im Jahr 2014 verantwortete er zunächst das Account Management für einen Großkunden des Unternehmens. Anfang 2016 wurde Joachim Dorschel zum Geschäftsführer ernannt. Joachim Dorschel veröffentlicht regelmäßig Beiträge zu aktuellen IT-Fragen in der Finanzwirtschaft und […]

The CESOP Compliance Service from DPS - the complete solution for fulfilling the reporting obligations under the EU Directive against VAT fraud.

[…] Event alert and command management The eCMS monitoring services can cooperate both asynchronously and synchronously with the transaction handling of the eCMS client. This allows for different topologies when setting up the respective network. ECMS DISTRIBUTION MANAGER The operation of large networks for terminal devices requiring security requires a sophisticated procedure for the distribution, […]

[…] einem anderen beliebigen Drittstandort installiert sein. Cash for Crypto Aktuell entwickelt DPS Engineering eine auf bestehenden konventionellen Geldautomaten basierende Bereitstellung von haptischem Cash, das gegen bestehende Krypto- Accounts bzw. Deposits gebucht  werden kann. Je nach Betreiber des Geldautomaten (seien es Banken oder Drittstandortbetreiber) können Wallet- oder Accountbasierende Verfahren genutzt werden. Die Nutzung der ATM- […]

[…] public traffic—from the government’s perspective, that is, in direct contact with citizens. The potential applications here are diverse. Citizens and the administration benefit equally from expanded service options while simultaneously conserving scarce personnel resources. More about our self-service solutions Development We love legacy! In certain areas of administrative IT, technologies dating back to the […]

[…] of the opportunities offered by instant payments and open up new revenue streams. Develop implementation concepts We create bespoke implementation concepts that take your individual requirements into account and help you efficiently integrate instant payments into your business processes.   Select providers Based on your requirements, we help you to select suitable technology and […]

Key Account Manager Banking (m/w/d) Wir bieten deutschlandweit eine neue Karrierechance als Key Account Manager Banking (m/w/d) Sie verantworten das Account Management für ausgewählte Bestandskunden. Der Aufgabenbereich umfasst die ganzheitliche Betreuung der Kunden, die Entwicklung von Neugeschäft von der Identifikation des Themas bis zur Umsetzung, die vertriebliche Begleitung laufender Projekte sowie die kaufmännische und […]