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  • Comment – PSD2 RTS
    On September 14th 2019 the PSD2 will become applicable national law. The obligations of strong customer authentication under Article 97 of the PSD2 drawn up by the European Banking Authority, will thus also take effect.
  • Security in payment
    The PSD2 will become applicable national law in September 2019. Along with it the obligations for strong customer authentication according to Art. 97, which are specified in the "Regulatory Technical Standards (RTS)", also become effective.
  • COREmidsummer 2019
    Once more we were blessed with a perfect midsummer at COREcampus in Berlin Wannsee. Together with our guests we celebrated the highlights and successes of the first half of the year. Till sun set – and some of us even longer.
  • Eat or get eaten
    The history of payment methods is very dynamic. In 1681 the introduction of checks and card payments started an unbroken trend towards making non-cash payments an everyday occurrence and increasingly usual in everyday life.
  • Le trio infernale
    Introduced in the U.S. at the end of 2014, Apple Pay recorded a moderate, but steady growth: According to its own figures, around 350 million users in 35 markets now use the card-based payment service. In 2018, Germany has become one of these markets.
  • COREonsite Spring 2019
    This March our discussions of our Spring onsite were all about CORE's visions, project highlights and the maintance of quality. The pre-event took place at the renowned Regent Hotel Berlin and continued in the atmosphere of the stylish scene bar Kitty Cheng.
  • Card Schemes
    Card schemes enable simplified and guaranteed exchange of money by operating international networks and setting uniform standards. They define rules for the routing of payment authorizations and settlement requests in point-of-sale.
  • COREoffsite 2019
    This COREoffsite was all about "Reorientation and Knowledge Management" and transformation: In line with the company-wide realignment with a focus on the new entities "Research, Advisory, Consulting, Engineering and Operating".
  • COREyearend in Paris
    Once again in December 2018 CORE set the bar high by celebrating a year of hard work and achievements at the Collège des Bernardins in Paris – symbol of free thinking, knowledge transfer and intellectual encounters.
  • Gradient boosting vs. deep learning
    Retail banking is undergoing radical change. New players and changes in the regulatory framework (e.g. PSD 2) mean that the market is being opened up as a result of market conditions and regulations, posing new challenges for traditional banks.
  • Bringing together competencies
    Christian Böhning's interview with Wirtschaftsforum is about the modernization of architecture and the realignment of IT organizations. Learn why technological and organizational challenges require a competent and motivated team to cope with.
  • JCNetwork Days 2018
    This year CORE met more than 400 students and 100 company representatives in Kiel. Over two thrilling days, challenging case studies were handled and presented by participants of student management consultancies.
  • AI in Banking
    Artificial intelligence is of highly general interest. Cambridge Analytica's misuse of voter data for political strategy evaluation fuels fear and enthusiasm for AI and machine learning, as does the AlphaZero algorithms which consistently beats the best players.
  • COREbootcamp 2018
    Over the weekend at our annual COREbootcamp we gave students the opportunity to expand their consulting skills and learn from the industry's best. CORE Managers led a case study that gave the opportunity to gain practical knowledge.
  • COREonsite 2018
    At this years' COREonsite all our colleagues came together and gathered to exchange updates on projects, discuss the knowledge agenda and put the latest topics within technology development into an ethical discourse.
  • Security in agile
    Software and infrastructure projects are subject to fundamental change. The trend today is heading towards small, agile teams that work independently of each other and often spatially separated from each other.
  • DigitalFuture Summit
    Dr. Philipp Kleine Jäger of CORE at DigitalFuture Summit of ESMT Berlin among Niklas Wirminghaus of Capital, Alex Weber of N26, Karsten Traum of DKB, Volker Anhäuser of BNP Paribas and Dr. Roland Folz of Solaris Bank.
  • Wirtschaftstag 2018
    Holger Friedrich, MD of CORE SE, was invited to the IT security Panel alongside Esti Peshin (Israel Aerospace Industries) and Friedrich Merz (Black Rock) to discuss future security challenges for society, public administration and industry.
  • Digital Banking 2018
    Holger Friedrich, Managing Director of CORE SE, held a keynote speech at the Digital Banking. In less than 15 minutes he covered 25 years of civil history and gave the audience an overview of the rapid extent of technological development.
  • Opt-In – GDPR
    The Düsseldorfer Kreis, the conference of the independent federal and state data protection authorities on April 26th, 2018 confirms a regulatory framework and once again surprises an entire industry.
  • Lünendonk-Studie 2018
    The results of this in-depth study reveal CORE SE has achieved well-above average growth of 60% in the past year and is seen as a very strong competitor by more than 20% of respondents from our industry, and as strong competitors by more than 50%.
  • VERIMI is gradually launching
    VERIMI, the new European identity and data platform is now as a basic product available in the German market. Going-live is the first phase. In a second phase the platform will expand to connect additional partners as well as offer new platform features.
  • Identity and Security
    Users leave behind extensive traces when using apps and internet-based services. In contrast to the analog world, these generally remain available in the form of data and are analyzed and used by various service providers for a range of purposes.
  • COREonsite 2018
    This March, the discussions of our Spring onsite were all about CORE's main values freedom, responsibility and quality. The pre-event took place at the renowned Stue Hotel Berlin and continued in the atmosphere of the 1920's at Provocateur Berlin.
  • From theory to practice
    Artificial intelligence is undoubtedly one of the most highly discussed technology topics at present. You will struggle to find any mass media source which does not contain any reference to machine learning, deep learning or artificial intelligence.
  • Regulatory system 2018f
    From a regulatory point of view, 2018 is marked by a wealth of innovations and changes that have rarely been the case so far. They focus on data protection, money laundering regulation, risk management and the supervisory architecture of the institutions.
  • COREoffsite 2018
    All our COREmembers were at our annual COREoffsite together at the Bauhaus in Dessau to exchange updates on projects, discuss the knowledge agenda and put the latest topics within technology development into an ethical discourse.
  • "Authenticate Yourself!"
    RTS of PSD2 is supposed to increase competition and innovation. But the regulations concerning strong customer authentication and secure communication (RTS SCA & SC) under PSD II now published by the EU Commission still do not provide sufficient clarity.
  • COREyearend in Krakau
    Every December, CORE pushes the mark to host a unique experience for the end of year celebrations, and this year was no different as we gathered 150 meters deep in the salt mines of Krakow to recap the successes of 2017.
  • Pay by Browser
    The success of payment services such as PayPal is largely due to their user-friendliness. Though they are expensive for retailers they often put up with these costs in order to stop customers from abandoning the process at the checkout.
  • Final MaRisk-Novel
    Following the implementation of the Basel Standard 239 the requirements concerning data aggregation and risk reporting for system-relevant credit institutions have now also been included in the Minimum Requirements for Risk Management.
  • VERIMI Workshop 2017
    The winning startups from the VERIMI Hackathon were invited to the COREcampus to take part in the VERIMI Workshop. After a hard-working day the teams presented their use cases and potential integration plan to the VERIMI CEO Donata Hopfen.
  • VERIMI Hackathon
    14 international startups gathered in Berlin for the VERIMI Hackathon event to work on a solution and develop interesting case studies for VERIMI. Besides prize money for the top three all top five teams are part of the exclusive go-to-market group.
  • Go-Live BBQ
    CORE celebrated a Go-Live of a new IT-Platform – A Greenfield Transformation in the Financial Industry. We gathered the entire project team and involved people to revel in the Go-Live with a delicious BBQ and great music.
  • COREbootcamp 2017
    This September, selected students from all over Germany gathered at the COREcampus for the annual COREbootcamp. The provided case study offered the students the opportunity to work in teams to improve their skills.
  • COREonsite 2017
    All our COREmembers attended our annual COREonsite at our COREcampus to exchange information on current projects, discuss new scientific findings and bring the latest topics of technology development into an ethical discourse.
  • VERIMI goes live
    VERIMI, the new European identity and data platform, with its central and convenient VERIMI log-in is now available in Germany. “The go-live of the platform is an important milestone for VERIMI and for the digital economy in Europe,” Donata Hopfen, CEO of VERIMI, explains.
  • Joint platform for identity
    Leading German and European companies have stated their intention to cooperate more closely to establish a joint, pan-industry platform for online registration, e-identity and data services. The aim is to make online registration simpler and more secure for clients.
  • The Empire Strikes Back
    The technologically driven change in the financial industry is entering a new phase. While banks have developed a common digital ecosystem with fintechs in the past, technology companies have been shaping new structures – a growing impact on the financial industry in the future.
  • Due Diligence
    Classic IT due diligence does not adequately cover all areas of digitization and therefore needs to be transformed . The amount of data available enables compliance risks to be identified more efficiently and in a more targeted manner for corporate transactions.
  • Fraud reporting
    The EBA has published draft guidelines on fraud reporting requirements in accordance with Article 96(6) of PSD II. It define a detailed breakdown of data and payment service providers will need to make extensive changes to their reporting system or set one up.
  • Notification Requirements
    EBA publishes final document with recommendations for requirements applicable to a non-cash transaction reporting system for payment service providers and bank regulatory authority. Final recommendations virtually unchanged from the draft published earlier.
  • Anti-Money Laundering
    The fourth Anti-Money Laundering Directive of the EU was adopted on June 26, 2015, as a response to the changing requirements. The EEA states had until June 26, 2017, to transpose the minimum requirements stipulated into national legislation.
  • COREmidsummer 2017
    Although the weather put an end to our lucky streak at the COREmidsummer, we did not let the rain dampen our spirits as we celebrated the year's successes inhouse. Together with our guests we celebrated the highlights and successes of the first half of the year.
  • JCNetwork Days
    CORE took part at JCNetwork Days in Mainz. We worked with numerous students from all over Germany to discuss the latest topics in our industry through workshops and presentations. A career fair gave the students the opportunity to talk to CORE.
  • Growth and Prosperity
    Christine Lagarde held an lecture at the ESMT in Berlin. The event entitled “Innovation, Technology and Growth” focused on the opportunities and risks of technological progress as well as recommendations by the IMF to governments on how to handle these risks.
  • Aspiration » Reality
    The finance industry is not immune to structural change. Macroeconomic political frameworks, digitalization, the competition, changing customer behavior and regulatory demands all represent enormous challenges for financial institutions.
  • Trust services
    The discussion will focus on two topics: (1) video identification methods and (2) trustee services, and the overarching question of whether video identification and QES offer viable solutions for the digital future of banks.
  • Supervision of IT
    The press coverage placed emphasis on the vulnerability of IT systems to attacks and the need for them to improve their IT security, whereas BaFin and the Bundesbank announced important details regarding future supervision and monitoring of IT.
  • Finovate Europe 2017
    CORE attended this years Finovate, in order to identify trends and report on highlights. A total of 71 Fintechs were able to present their services to an international audience at Billingsgate Market Hall, located in the heart of London’s financial district.
  • Shared leadership
    Agile methods are widely used across a broad range of industries – growing market dynamism means they are becoming more important in the finance sector. Shared leadership is important to encourage innovation in complex environments.
  • Regulatory developments
    BaFin president states new regulatory challenges for 2017. Fintech regulation and security aspects, together with payment transaction solutions, is now a central focus for regulatory bodies. The regulatory agenda requires further digitalization.
  • COREoffsite 2017
    All our COREmembers were at our annual COREoffsite together at the Bauhaus in Dessau to exchange updates on projects, discuss the knowledge agenda and put the latest topics within technology development into an ethical discourse.
  • COREyearend 2017
    To properly celebrate the past year, all COREmembers were invited to Italy. In the evening we went by boat towards Teatro la Fenice. With a long, glamorous night at the opera in Venice we let the eventful and successful year conclude.
  • AliPay
    To respond effectively to Chinese tourists in Europe, a push has been made to increase the number of sales points in Europe that accept AliPay through partnerships. AliPay has the potential to become a significant threat to the customer interface.
  • Notification requirements
    EBA publishes a document with “recommendations” for requirements applicable to a cash-free transaction reporting system for payment service providers and bank regulators. EBA provides a classification scheme based on 7 criteria and thresholds.
  • Instant payments
    Instant payments are announced, as a further innovation in pan-European payments, to promote free movement of capital. Payment transactions are to be processed within a few seconds, bringing major challenges for banks, especially in regards to IT.
  • BDSU Autumn Congress
    At this year's BDSU ‘Autumn Congress’ more than 300 students came to Berlin. Some of the participants were exclusively invited by CORE to work on a study, together with our experts, on innovative payment systems in banking.
  • From the Iron Age
    About the Consequences of Digital Transformation for Organizations and IT. My first thought when considering digital transformation, and drawing on my academic background, is to see it as a heavy-sided function with a scaling factor of one.
  • Mobility & Digitalization
    The “Connected Car” Database Highlights the Reluctance of European and German Providers. The USA is beginning to dominate the future market for transport services. Digitization presents a significant threat to well-established European market structures.
  • Regulatory Compliance
    CORE published a study titled “The Primacy of Technology”. The use of new technology and technological know-how in management is critical to improving efficiency and opening up the potential of the market.
  • Open-Source Approach
    Risk management is one of the core competencies of the finance industry. ORE was published as an open-source solution for risk management at financial institutions and has high efficiency potential for the core business of financial institutions.
  • EBA Public Hearing
    The EBA is strengthening the major aspects of RTS in terms of strong customer authentication and secure communication for cashless transactions. SCA occurs only once a month with AISPs and the use of PSD II interface is mandatory for TPPs.
  • Database of InsurTechs
    The database of InsurTechs provides an overview of companies with innovative business models in the German insurance industry. Evaluations show the bias of InsurTechs on sales and sales support regarding insurance services.
  • Customer authentication
    The European Banking Authority publishes RTS with requirements for strong customer authentication and secure communications for cashless transactions. Requirements have numerous impacts on security, processes and the business potential of institutions.
  • COREsails
    In 2016, CORE began their voyage at La Coruña in Spain and battled low winds and balmy weather to the port of Bilbao. During their 2 days on board, the crew taught us how to lower the sails, steer the ship and keep a look out for what's ahead.
  • Digital Platform Strategy
    Current developments in the field of transportation present new challenges but also offer new potential for the automotive industry. Car manufacturers’ existing solutions form a solid foundation but are not enough in the long term.
  • A New Regime
    Changes and opportunities arising from the structural change in the payment transactions market picked up by international stakeholders and, in particular, those outside the industry. Banks faced with a choice: proactive cooperation or protectionist defenses.
  • COREmidsummer 2016
    We were blessed with a perfect midsummer at COREcampus Wannsee. Together with our guests we celebrated with a BBQ the highlights and successes of the first half of the year. Till sun set – and some of us even longer.
  • IT Security Act
    The IT Security Act (IT-SiG) has been in force since July 25, 2015 and stipulates two key requirements of operators of critical IT infrastructure: Maintaining a minimum security threshold and setting up regulatory reporting.
  • COREonsite
    Following the start in a stylish setting in "Fischers Fritz" at the Regent Hotel and the SOHO House Berlin, we evaluated new trends in finance and discussed innovative solution approaches on our Knowledge Onsite.
  • Tokenization
    Tokenization is basic technology for increasing security and data protection when processing mobile payments at point of sale. It replaces sensitive payment data with non-sensitive surrogates coupled to specific transactions.
  • Blockchain as an enabler
    With a growing number of interconnected smart devices in the market, the Internet of Things (IoT) is bound to become a reality and security is still a critical requirement. Blockchain based solutions can be used to address some of the security challenges.
  • COREoffsite
    All our COREmembers were at our annual COREoffsite together at the Bauhaus in Dessau to exchange updates on projects, discuss the knowledge agenda and put the latest topics within technology development into an ethical discourse.
  • COREyearend 2015
    In December 2015, CORE raised the bar and celebrated an eventful and successful past year in Romania. There we enjoyed the winter weather in the snow-covered mountains and spent a glamorous long night at Bran Castle.
  • Two-factor authentication
    In recent years, the classical retail banking business has been characterized increasingly for its transformation. Along with the digitization and the rapid growth of e-commerce, however, an increased amount of incidents of online identity loss occurred.
  • COREmidsummer 2015
    We were blessed with a perfect midsummer at COREcampus in Berlin Wannsee. Together with our guests we celebrated with a BBQ the highlights and successes of the first half of the year. Till sun set – and some of us even longer.
  • PSD II
    The amendment to the PSD II follows the European regulator’s intention to further strengthen competition in the field of payment services. Initiatives taken by financial institutions such as the ZOB interface, led to a variety of reasons for insufficient market acceptance.
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