DIE MELDEPFLICHT GEMÄß INSTANT PAYMENTS VERORDNUNG Meldung der zuständigen Behörde an EU -Kommission , EBA und BaFin Periode: 01.01. -31.12.24 Weitere Meldung jährlich ▪ Informationen werden weitergegeben und Umfang & Wert nationaler und grenzüberschreitender Echtzeitüberweisungen in Euro 09.10.2025 Erste Meldung an die zuständige Aufsichtsbehörde Periode: 26.10.2022 -31.12.2024 Weitere Meldung alle 12 Monate 09.04.2025 Meldung […]

[…] are an important basis for effective cooperation. We, therefore, would like to inform you about how we process your data and how you can exercise your rights under the GDPR, the General Data Protection Regulation. The following information will provide you with an overview of the collection and processing of your personal data in […]

[…] EMV Application Kernel: The EMV Application Kernel has been tested on the following terminal Operating System: Terminal: PinPad: Report ID Configuration Checksum: EMVCo Letter of Approval - Contact Terminal Level 2 - Renewal Renewal Date: GERMANY Kernel Checksum: n/a 2-02922-1-1S-VOB-0814-4.3.c 2-02922-1-1OS-VOB-0814-4.3.c 2-02922-1-2OS-VOB-0814-4.3.c 2-04041-2-3OS-VOBZ-0718-4.3g Session 1: 2026-001 Version 1.1 - VÖB-ZVD Processing GmbH Config Vendor […]

Die Deutsche Kreditwirtschaft - Zulassungsverfahren Typ -zugelassene Geldautomaten Anlagen und Anhänge zum Regelwerk für das Deut sche Geldautomaten -System (Richtlinien für das Deutsche Geldautomaten -System , Version 1.0 vom 20 .01 .2020 mit Er rata, Änderungen und Ergänzungen vom 11.03.2021 ) Stand: 17.02 .2022 1 von 2 Hersteller Konfiguration Hardware/ Software Zul. - Nr. […]

[…] Ledger 22.02.2018 | Distributed Legal Ledger2 D ie D P S G r o u p 22.02.2018 | Distributed Legal Ledger DPS – EINIGE FAKTEN 22.02.2018 | Unternehmen Leistungen Gründung 1989 > 120 Mitarbeiterinnenund Mitarbeiter Standorte: Stuttgart, Frankfurt a.M., Hamburg Marktfocus: Finance und Retail Produkte Projekte Application Management Consulting Management Werner Dorschel Gründer Vertrieb […]

[…] Lenz ab sofort Gutscheincodes für Lose der Deutschen Weihnachtslotterie erworben werden. München, 7. Dezember 2018 – Die Deutsche Weihnachtslotterie ist von der in Köln ansässigen Navidad -Fo undation gGmbH entwickelt worden und ist eine Sozial - bzw. Spendenlotterie. Sie hat die Loteria de Navidad als Vorbild, die als eine der erfolgreichsten Spendenlotterien der Welt […]

Qr code payment on the phone, contactless payment in the store, online shopping, cashless technology. concept

Qr code payment on the phone, contactless payment in the store, online shopping, cashless technology. concept

[…] we have in-depth knowledge and experience in cross-channel and integrated banking solutions. eCMS Suite The DPS eCMS suite is a comprehensive and highly scalable platform for operating unattended terminals, including ATMs, cash recyclers, kiosk systems, and citizen terminals. The DPS eCMS suite is PCI-PA/DSS certified. With a view to digitizing a wide range of […]

[…] developments and supporting banks in the strategic, technical and technological classification of the digital euro. As a partner in the ECB’s innovation programme, we were able to contribute our expertise to the practical design at an early stage. The focus is on the impact on business models, payment transaction architectures and regulatory requirements. In […]

[…] are among our company’s core competencies. Our experience ranges from the development of large custom applications and integration and migration projects to supporting complex outsourcing projects. We understand established processes as well as DLT-based approaches and tokenization. Market participants are also facing further significant innovations that will shape the capital market in the future: […]

[…] refactoring of legacy applications through simplification, standardisation and clear documentation; 3) the migration of legacy programmes to modern platforms or to the cloud; and 4) the temporary continued operation of sunset applications as part of managed services. Legacy IT in finance and the public sector The IT landscapes of large organisations with a long […]

[…] DPS supports institutions in setting up their Fontus projects in a structured and secure manner. If you have any questions or require immediate support, you can also contact our team directly at: fontus@dps.de   Our Capital Markets team has been covering the topic of Fontus since 2024 in six further published articles. You can […]

[…] (EBA) since the beginning of April 2026. With this move, the company is strengthening its role in the European payments sector and further expanding its network of contacts with leading banks and market infrastructures. The EBA is one of the most important networks in the European financial industry. Its focus has traditionally been on […]

[…] and logged in real time – while still allowing offline capability on the end devices. Technological insights from the ECB sandbox For DPS, the project offered a unique opportunity to test architectural and functional requirements for the future infrastructure of the digital euro: API compatibility: The sandbox environment was completely REST-based; integration points could […]

[…] 2027. The text also contains precise specifications, such as: an exception for certain securities financing transactions (SFTs), the possibility of a temporary adjustment of cash penalties if unexpected risks arise during the migration. Regulatory clarity is an important milestone. At the same time, it is clear that the real challenge lies not in the […]

[…] Now it has become clear that the previous schedule can no longer be maintained – a provisional target window has been announced for the first time. Architecture under construction – go-live target expected from the end of 2027 Technically, WM Datenservice is currently focusing on two central architecture components that fell significantly short of […]

[…] step in ‘manufacturing mode,’ which will result in additional time and effort. As a result, the go-live date of September 2026 previously communicated is no longer feasible under the current conditions. According to current rough planning, the project target will need to be postponed by four to six months. The new reference date is […]

[…] data such as BIC and National Authorisation Number (NAN), technical information on availability is also stored. For this purpose, the URLs and their validity dates are maintained, under which a participant accepts verification requests via the EPC VoP API.   Access and use of the EDS Access to the EDS is provided via a […]

[…] revised migration concept D35 has also been published, taking into account the D20 changes. The 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 […]

[…] as a sponsor and partner. The Circularthon is looking for and awarding prizes to innovative concepts for sustainable circular economy. In addition to prize money, DPS is contributing its own ‘Circular Challenge’. The topic of the challenge is: ‘Where do IT and banking touch on the circular economy?’. The focus here is on the […]

[…] materials and resources throughout the value chain in such a way that they remain at our disposal for as long as possible. A paradigm shift is currently underway here: A shift from the linear “production-disposal” mentality, and towards so-called circularity, i.e. a resource-saving, modular and repair-friendly design and manufacturing method for products. From pencils […]

Whilst most of the financial institutions already started implementation projects, the term CESOP is still unknown to many electronic commerce marketplaces.

Whilst most of the financial institutions already started implementation projects, the term CESOP is still unknown to many electronic commerce marketplaces.

[…] guidelines for the CESOP reporting obligation. In particular, the amendments contain clarifications pertaining to the rules for determining the country of origin of the payer and payee: Until now, Art. 243c of the Directive has been interpreted in such a way that the reporting institution could rely on the IBAN or other „identifiers“ with […]

[…] and Bernhard Uitz. Sarah-Marie Holzgräfe LL.M. has been with the company since 2017 and is the new partner responsible for the area of compliance and regulatory affairs. Bernhard Uitz, who has been with DPS since 2007, is responsible for the area of application management. Further information can be found here: https://dps.de/en/ contact-persons-and-experts/      

„The complexity of CESOP is being underestimated“ In the spring of this year, DPS partner Carsten Lange appealed to the financial industry in a blog post to deal with prevailing regulatory challenges against the backdrop of the Central Electronic System of Payment Information (CESOP). As one of the initial providers, DPS has now designed […]

Recently, scientific analyses have increasingly shown a wide-ranging problem associated with deep learning, in which different phenomena – summarised under the term ‘shortcut learning’ – can reduce the problem-solving capabilities of machine learning techniques.

[…] outgoing cross-border payments is sufficient for an institution to have to get to grips with the Directive. Specialised and promotional banks or e-money institutions, in particular, are unlikely to see themselves as payment service providers and are, therefore, more likely to be surprised by the scope of these new obligations. The following example illustrates […]

Regulatorischer Aufwand infolge CESOP: Kleinere Banken und Spezialinstitute besonders gefordert Von Carsten Lange Mit dem „Zentralen elektronischen Zahlungsverkehrssystem“ im Mittelpunkt hat die EU ein Instrument zur Bekämpfung des Mehrwertsteuerbetrugs im elektronischen Geschäftsverkehr implementiert, dessen Umsetzung Finanzinstitute vor einige Herausforderungen stellt. Gerade kleinere Geldhäuser, Förderbanken und E-Geld-Institute dürften mit verhältnismäßig hohem Aufwand konfrontiert werden. Ab […]

[…] role in this respect as they provide financing and support the transition. ESG risks, in turn, affect a wide range of areas, taking risks that were previously under consideration and amplifying them. One example: extreme weather events – which are becoming more likely – can lead to more nature-caused damage in a given region. […]

[…] 31 December 2024)   Preparation for the implementation of the CSRD (Corporate Sustainability Reporting Directive) Financial institutions, similar to companies involved in the capital markets, have been under an obligation to supplement their management report with specific aspects of sustainability and diversity pursuant to the Non-Financial Reporting Directive since 2017. The Corporate Sustainability Reporting […]

[…] with the technical adjustments and concluding with the rewriting of the scenarios to be reported. The affected institutions – i.e. all parties to derivatives transactions – have until 29 April 2024 to implement the changes. Due to the large number of complex and time-consuming projects that banks are currently involved in, many institutions have […]

[…] cost-effectively. As such, the bank’s own specialist personnel can concentrate on internal digital transformation, application standardisation and the implementation of the technologically new application landscape. Within this context, a trust-based relationship between the external partner and the commissioning financial service provider is important. This is the case with long-standing clients, because of numerous joint […]

[…] for example, to the “instability of the test environments”, “incomplete and deficient delivery of the software” and problems with the “speed of assessing incidents and rectifying deficiencies”. Unsatisfactory testing conditions were cited by both “Level 2” central banks and direct users as an obstacle to their timely readiness (Source: ECB TARGET Services, 25.10.22). We […]

[…] Sonja Gerling The anticipated 7th amendment to MaRisk (Minimum Requirements for Risk Management) at a glance This year, the 7th amendment to BaFin’s MaRisk has been anno unced. The 6th amendment was published on 16 August 2021. The amendments to MaRisk define those adjustments and innovations to regulatory requirements in relation to risk management. […]

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.

[…] to say about the campaign: “We are astounded by your generous donation, DPS team! We see your gift to us as a sign of your compassion and understanding for people. And we will be glad to distribute it and pass it on to people in need in many different ways: … as a cup […]

[…] to say about the campaign: “We are astounded by your generous donation, DPS team! We see your gift to us as a sign of your compassion and understanding for people. And we will be glad to distribute it and pass it on to people in need in many different ways: … as a cup […]

[…] to say about the campaign: “We are astounded by your generous donation, DPS team! We see your gift to us as a sign of your compassion and understanding for people. And we will be glad to distribute it and pass it on to people in need in many different ways: … as a cup […]

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.

[…] WORKING ENVIRONMENT, TRAINING OPPORTUNITIES Bringing together the best minds, developing individual strengths, respecting diversity – that is the fertile basis from which great ideas are born. DPS unites experts from around two dozen nations in a lively, productive and motivating working environment. Convincing overall package An attractive salary and good career development are a […]

[…] 2011. It is a non-profit, independant association für decision-makers and experts in the payments industry. ibi research DPS is a partner of the ibi research an der Universität Regensburg GmbH. ibi research does application-oriented research and consulting in the financial and retail industry. Duale Hochschule Baden-Württemberg (DHBW) DPS is a cooperation partner Baden-Wuerttemberg Cooperative […]

[…] was already certified for all manufacturers of ATMs and recyclers relevant in Germany in accordance with the GA agreement 2015 and the new GA agreement 2019. This underlines the leading role of DPS Engineering GmbH as the supplier of non-proprietary and independent software solutions for self-service systems. The detailed information can be found on […]

[…] will continue to refine our sustainability efforts. Our goal and incentive is to master the ambitious challenges of our time in dialogue with our stakeholders. Scoring DPS undergoes an external assessment of its own social, environmental and economic behaviour. This serves as a starting point for us with the aim of further developing the […]

[…] worked as a consultant in the areas of data protection and information security. On the side, she completed a Master’s degree in IT law at Heinrich Heine University in Düsseldorf. In 2017, she joined DPS and managed regulatory and IT projects in the area of self-service for various major banks. She has been a […]

[…] Dorschel founded DPS Engineering GmbH. 35 For more than 35 years, DPS has been working successfully for the major addresses of the financial market and thus impressively underlines the sustainability of its business model. 180 More than 180 highly qualified employees work with our customers every day to achieve joint success. Profile Value and […]

Ansprechpartner und Experten Alexander Bender Key Account Management Alexander Bender ist Diplom-Kaufmann und ein erfahrener Vertriebsexperte mit Schwerpunkt auf der Finanzdienstleistungs- und IT-Branche. Er verfügt über eine 20-jährige Erfahrung in unterschiedlichen Vertriebsrollen im Produkt- und Lösungsvertrieb für national und international agierende Unternehmen. Zu seinen Kernkompetenzen zählen die Gewinnung von Neu- sowie die Entwicklung von […]

[…] from DPS can be found here. Research projects DPS regularly participates in research projects together with partners from science and practice with the aim of developing and understanding future technologies, methods and business models and adapting these to its own field of activity. The current projects can be found here. Do you have questions […]

[…] address, e-mail addresses, user behaviour. We have taken extensive technical and operational precautions to protect your data from accidental or deliberate manipulation, loss, destruction, or access by unauthorised persons. Our security procedures are reviewed at regular intervals and adapted to technological progress.   3. Data controller responsible for data processing The data controller pursuant […]

[…] into a permanent position Supervision of theses Appreciation of the work of each individual Working together in small teams Individual training opportunities Cooperation with research institutions and universities APPLICATION We look forward to receiving meaningful application documents! Your CV, references and an indication of your earliest possible availability are important to us. We use […]

[…] nations in a lively, productive and motivating working environment. A fantastic overall package An attractive salary and good career development are a matter of course with us. Unfold Each individual has the opportunity to contribute his or her individual strengths. Future-proof With us, you can expect a permanent employment contract. The “we” counts Teamwork […]

CURRENT VACANCIES IN THE DPS GROUP We use the services of our partner softgarden for applications. You can find information about the processing of your personal data in the application process here. APPLY NOW! Our HR contact person will be happy to provide you with further information on the advertised positions.

[…] OF THE WEEK Jobchance der Woche Jetzt bewerben CAREER WITH DPS At the DPS Group, you can expect competent colleagues, open doors, short paths to management and uncomplicated cooperation. Our sustainable business model opens up excellent career prospects for you. At DPS, you will find a team-oriented and innovative corporate culture that offers each […]

[…] het product is een duidelijk dashboard dat intuïtief de status van het CESOP-rapport en de bijbehorende werkstappen weergeeft; een overzicht biedt van de importstatus, inclusief een automatische controle op dubbele verwerking en een correctiemogelijkheid; het eenvoudige beheer van begunstigden en de handmatige verwerking van rechtspersonen mogelijk maakt; en tegelijkertijd de bewaking van alle CESOP-rapporten […]

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

[…] particularly important role. Registration services, applications for registry office certificates, and appointment scheduling are also possible easily and securely – from application to payment. Amt-O-Mat product page of ekom21 We answer your questions! The Amt-O-Mat is a powerful, multi-talented tool for your administration. Want to learn more about the product? Feel free to contact us!

[…] banks, e-money institutions, CASPs and marketplaces a complete software solution to fulfil the new requirements. All information about the CESOP Compliance Service Are you interested in our CESOP Compliance Service? Is our CESOP Compliance Service of interest to your bank? Please feel free to contact us. We will answer your questions about a timely implementation.

[…] to say about the campaign: “We are astounded by your generous donation, DPS team! We see your gift to us as a sign of your compassion and understanding for people. And we will be glad to distribute it and pass it on to people in need in many different ways: … as a cup […]

[…] to say about the campaign: “We are astounded by your generous donation, DPS team! We see your gift to us as a sign of your compassion and understanding for people. And we will be glad to distribute it and pass it on to people in need in many different ways: … as a cup […]

[…] to say about the campaign: “We are astounded by your generous donation, DPS team! We see your gift to us as a sign of your compassion and understanding for people. And we will be glad to distribute it and pass it on to people in need in many different ways: … as a cup […]

Insurance The insurance industry is under immense pressure to change: Customer needs are evolving rapidly, while simultaneously increasing demands on processes, data availability, and IT structures. New digital ecosystems, data-driven products, and short innovation cycles require flexibility – both functionally and technologically. Despite advancing digitalization, historically evolved IT architectures often dominate the landscape. Legacy […]

[…] administrative modernization and digitalization. Technology Self-service technology for local government Stationary self-service terminals are useful wherever there is 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 […]

[…] ensure a legally compliant implementation. Illustrate the customer impact We provide in-depth analyses of the impact of instant payments on different customer segments to help you better understand your customers and meet their needs. Analyse the professional and technical impact We examine the professional and technical impact of instant payments on your existing systems […]

[…] company’s core competencies. Our experience ranges from the development of large Individual applications to integration and migration projects, to the support of complex outsourcing efforts. In doing so, we understand the established processes, as well as DLT-based approaches and tokenisation. Market participants are also facing further significant innovations that will characterise the capital market in the future: […]

[…] to a bank’s products, organisation, processes and systems are to a large extent driven by regulation. In a bank, regulatory and compliance issues always need to be understood in operational terms. Our expertise in financial IT and processes, as well as a growing portfolio of smart tools, allow us to implement regulatory requirements efficiently […]

[…] of digital ecosystems require holistic solutions, an end-to-end view of products and processes and consistent customer focus. Here, we offer our clients a comprehensive technical and professional understanding that encompasses evolved structures and systems, as well as disruptive solutions. RELATED CONTRIBUTIONS 20.04.2026 14.04.2026 08.04.2026 05.03.2026 19.02.2026 04.02.2026 14.01.2026 12.01.2026 10.12.2025 09.12.2025 What can we […]