Expert roundtable discussion: PROCESS MINING

28 February 2021
published in the current issue of the magazine gi Geldinstitute

For the trade magazine gi Geldinstitute, leading experts answered Stefanie Walter’s questions on the topic of “Process Mining at Banks”. Jochen Werne – Prosegur Germany, Gerrit von der Hardt – TARGO Dienstleistungs, Sebastian Hennerici – Aareal Bank AG, Gerrit Meier – Hanseatic Bank GmbH & Co KG, Thorsten Briest – PSD Bank Braunschweig eG, Christian Meusel – Berliner Volksbank eG, André H. Burger – Synpulse Management Consulting

Professional know-how and the right feeling for changing customer needs are essential factors in being able to innovatively develop needs-based solutions for our customers.

The entire roundtable talk in the current print edition or soon online at www.Geldinstitute.de

Publication: For the good of all – Why standards are so important

gi-Geldinstitute published „For the good of all – Why standards are so important“, A plea for future-oriented minimum standards in the CIT industry, underlining Prosegur‘s frontrunner role as resilient infrastructure provider in the security and cash management industry.

Find Original in German HERE. Translation generated with deepL.com

A plea for future-oriented minimum standards in the CIT industry. The neighbouring banking industry (and often the customers of CIT companies) is already protected by standards such as MaRisk and BAIT. However, cash-in-transit companies that work closely with their customers (banks) have less high standards in IT, whereby the industry is becoming increasingly digitalised. Prosegur argues for higher standards across the CIT industry.

Emeritus professor of literature Hans-Dieter Gelfert, who has spent many years researching German, British and American mentalities, expressed in an interview with Deutsche Welle that the orderly society of modern Germany has a long genesis. “Order is one of the sacred words in Germany, and that has something to do with the German emphasis on security as opposed to freedom,” he said. “For the last thousand years, security has always been the supreme value and order is a mainstay of security.” Part of Germany’s success is built on norms. It is not without reason that the encyclopaedia “Brands of the Century” lists more than 200 German brands such as Hipp or Tempo as examples of entire product categories. The entire title is: “German Standards – Brands of the Century”. Aha, standards then – a coincidence?

Without rules, norms or minimum standards, a modern society would be almost inconceivable. They structure, make things comparable and act as a control mechanism. Cultural imprints and regional differences come into play in their design. For example, many an EU citizen groans about the General Data Protection Regulation when a form has to be filled out for consent to the use of personal data. On the other side of the Atlantic, people certainly pay respect to the GDPR for the standards it sets. Standards that reflect the values of an enlightened Europe.

Own rules in the business world

Beyond social norms and local legislation, there are other rules in the business world. There is hardly an industry that has not already given itself a catalogue of minimum standards. This is an advantage for many, because the complexity on the supply side is often reduced for those asking. But the question must be allowed whether minimum standards are sufficient and whether they all focus on the well-being of customers and society. Too often the focus is on the providers. Yet there are standards that need to be established today in order to prepare for future challenges.

Prosegur is committed to more than minimum standards to position the entire industry for the future and to ensure society’s trust in this system-critical industry. An industry that does nothing less than ensure the unrestricted supply of central bank money to the population and the safe return of several million euros of cash income daily to the accounts of businesses to ensure their liquidity.

A look at the customer environment reveals that the related banking industry is leading the way: with MaRisk (Minimum Requirements for Risk Management) or BAIT (Bank Supervisory Requirements for IT), credit institutions have positioned themselves for the future. Since banks usually cooperate with a cash-in-transit company, it is only logical for Prosegur to apply these already existing requirements in an identical manner to its own business operations today and consequently to demand rapid implementation from all providers of cash and valuables transport.

All players operating in such an important part of our economic life must keep their eyes on the future and never cling to the status quo. Today, topics such as digitalisation and environmental protection naturally belong in the programmes of sustainably oriented companies. Every organisation needs courage, creativity and a willingness to invest in finding a digital language for analogue solutions. This fact is of particular importance in the Corona pandemic, because it acts as an accelerator for the global digital transformation.

Politicians underlined that they have recognised this on 9 December 2020 with the BMI’s draft bill for a second law to increase the security of information technology systems. But even before the draft becomes law, the following applies to Prosegur: the further development of current standards, investment in sustainable technologies and personnel as well as in the certification of processes and models must absolutely be in the interest of every serious money and value service provider already today.

Resilience through standards and digitalisation

It is essential to arm oneself against all kinds of threat scenarios – known and new, present and future – and to become resilient against external shocks. To be resilient so that, as a critical infrastructure, citizens can access money even in crises or exceptional situations. And to offer support to other critical infrastructures to also become resilient in order to avert supply bottlenecks for the population in cooperation. Prosegur consistently pursues this maxim, among other things with the smart cash procedure, in which cash receipts, for example in the supermarket or pharmacy, are deposited in a smart safe, where they can be credited to the business account via Early Value. Independent of the physical collection of the money, the company can use it to do business. A lack of liquidity does not become a showstopper for supermarkets and pharmacies in times of crisis. They remain open and the supply of goods and medicines is maintained. In the impulse paper “Resilient pioneers from business and society” of the German Academy of Science and Engineering (acatech), Prosegur Smart Cash was presented in December 2020 as a resilient concept for success.

Standards create resilience. So what standards should the cash and cash-in-transit industry additionally orient itself to? In Prosegur’s opinion, the standards of the credit institutions with which the cash and valuables transport industry cooperates on a daily basis. Not only in terms of their own resilience, but also in order to be a true partner for customers with their very own challenges in the low and negative interest rate environment, in the digital transformation and in the climate crisis. Then the players in this industry not only transport, process and store values, they also embody them and prepare to take on even greater responsibility in the “cash cycle” value chain.

PODCAST: Poledify host Felix Gehm is discussing Business Transformation with Jochen Werne

HOT OFF THE TAPE: Business Transformation in the Digital Age – Insight into Practice from an Expert’s Perspective

It was a great pleasure being invited as guest to the brand new podcast format POLEDIFY. With Poledify, Felix Gehm offers insights into the routines, mindsets and habits of experts and thought leaders from a wide range of disciplines.

Find the POLEDIFY podcast HERE

POLEDIFY EPISODE #3 – DIGITAL TRANSFORMATION

Listen to the Interview HERE

CONTENT & LINKS (posted by Poledify)

Jochen Werne is Chief Development Officer and Chief Visionary Officer of Prosegur Germany. Prosegur Group is one of the leading security service providers worldwide with over 175,000 employees on five continents. Jochen Werne is, among other things, a member of the Learning Systems Platform, which advises the German government on artificial intelligence, and of the Royal Institute of International Affairs Chatham House, one of the most important think tanks in the world. Jochen was listed as one of the AI experts in Germany by Focus magazine. He is also an author, keynote speaker, internationally awarded NGO founder and specialist in business development and transformation, and international diplomacy. In 2020, the Tyto Tech Power List named him one of the 50 most influential people in the tech scene in Germany.

Topics of this episode:

What does digital transformation mean for “traditional” business sectors?
How Prosegur plans to master digital transformation
How not to be deterred by big challenges
The most important characteristics of a leader in the face of such challenges

Links and other things from the episode:
The interview between Bill Gates and Warren Buffet: shorturl.at/mGPYZ
Books:
Utopias for Realists by Rutger Bregman
Mordern Monopolies by Alex Moazed and Nicholas L. Johnson
Here you can find Jochen Werne and everything about Prosegur:
Jochen Werne LinkedIn: https://www.linkedin.com/in/jochenwerne/
Jochen Werne Website: http://jochenwerne.com/
Prosegur LinkedIn: https://www.linkedin.com/company/prosegur/
Prosegur website: https://www.prosegur.com/en/jobs
Platform Learning Systems: https://www.plattform-lernende-systeme.de/home-en.html

Questions, criticism, suggestions or anything else? Write to me!
Instagram: https://www.instagram.com/poledify/
Twitter: https://twitter.com/ThisIsFelixGehm
or simply send an email to poledify@gmail.com
Where does the fine music (intro & outro) come from?
The fine music in the intro and outro is produced by pads. Behind the artist name is Patrick, who has finally decided to record all his little songs. You can find it all here:
YouTube: bit.ly/33TOFcN
Instagram: https://bit.ly/2XWFDIm
Soundcloud: https://bit.ly/3oYQA8k

EVENT – The way out of the crisis: creating added value through digital transformation

An event organised by acatech – the National Academy of Science and Engineering which is the voice of the technological sciences at home and abroad. acatech provides advice on strategic engineering and technology policy issues to policymakers and the public. The National Academy of Science and Engineering fulfils the mandate to provide independent, evidence-based advice that is in the public interest under the patronage of the Federal President.

Start: 05 March 2021 – 10:00 a.m.
End: 05 March 2021 – 11:30 a.m
Location: Virtual event – Language: German

Especially in the Corona pandemic, digital technologies proved their usefulness: through them, companies were more adaptable in the crisis. What role do digital technologies now play on the way out of the crisis – especially for medium-sized companies? How do they manage the digital transformation and develop new value creation models?

A debate organized by acatech

The host is discussing these and other questions with guests from business and research on 5 March.

PROGRAM

Welcome:

Dr. Johannes Winter, acatech Secretariat

Moderation:

Prof. Dr. Michael Dowling, University of Regensburg/acatech

Impulse/Podium:
DATA, VALUES, VALUE CREATION – WHERE IS THE JOURNEY GOING?

Dr. Wolfgang Faisst, CEO ValueWorks.ai / Platform Learning Systems
BEST PRACTICE INDUSTRY 4.0

LESER GmbH & Co. KG: Digital transformation in medium-sized companies
Kai-Uwe Weiß, Head of Global Industrial Engineering
FORCAM GmbH: Value creation through integrative IIoT platform solution
Franz Gruber, Founder and Advisory Board


EXPERT DISCUSSION: DIGITAL SOLUTIONS FOR A RESILIENT COMPANY

Olga Mordvinova, CEO incontext.technology GmbH / Learning Systems Platform
Jochen Werne, Prosegur Cash Services Germany GmbH / Learning Systems Platform
Franz Gruber, FORCAM GmbH
Kai-Uwe Weiß, LESER GmbH & Co. KG

Registration:
Admission free; registration required. Please register under the following link, all registered will receive the access link before the event.

Link to the registration

INTERVIEW. After the lockdown: gastronomy and retail will reopen with more efficient processes

Interview with Jochen Werne, CDO/CVO Prosegur Germany, on more efficient processes after the lockdown

In his expert interview, Jochen Werne sheds light on central aspects from the perspective of gastronomy and retail for more efficient processes after the lockdown.

Read original interview by Prosegur Germany: LINK HERE. Translation by DeepL.com

Mr Werne, what are your personal observations regarding the economy and society after a year of crisis?

Of course, every crisis first of all brings suffering and a pandemic naturally brings suffering for the individual and his or her relatives when the fate of the disease triggered by the virus befalls him or her. Everything else is like a chain reaction. Starting with the state, which has the sovereign task of protecting its citizens and, in the case of a pandemic, also enforces this by shutting down social life. This, in turn, results in drastic losses of income for closed companies while costs continue. If liquidity is insufficient, this then leads to insolvencies, job losses and, in the worst case, an economic crisis. Historically, however, every crisis – and this one is no exception – has also led to the economy becoming more efficient and technological trends experiencing an acceleration.

At the moment – in this situation that is so difficult for many – I observe an incredible and inspiring creativity. It starts with small and medium-sized enterprises, which are trying to adapt agilely to what feels like a new situation every day, to improve, to optimise costs and to position themselves optimally for the time after the crisis. This gives us hope for the time after the crisis and it is a great motivation to be able to contribute with a fantastic team.

Every crisis demands a certain resilience from companies. The National Academy of Science and Engineering (acatech) presented an impulse paper entitled “Resilient Pioneers” at the German government’s digital summit in November. In it, Prosegur with its digital smart cash solution is named as a best practice example for a future-oriented and cost-optimised cash management for retail and gastronomy. How does Prosegur Smart Cash work?

Link to the acatech-paper


With Prosegur Smart Cash, restaurateurs, retailers or wholesalers can insert cash directly into the Smart Cash device for safekeeping. The special feature – in contrast to a simple safe – is that once inserted, the device automatically takes over the daily counting and accounting of the cash. The time and thus cost savings in our customers’ internal processes are sometimes considerable. The device has a communication protocol that allows the value of the collection to be transferred to the client’s bank account within 24 hours. Once the money is in the device, the responsibility and management lies with Prosegur Cash’s specialised team, which is responsible for transporting and holding the money to the bank branch. This also eliminates the sometimes daily and not harmless trip to the bank branch.

What are the advantages of Prosegur Smart Cash?

In summary, it saves our customers time and money and creates more transparency and security. Prosegur Smart Cash customers can store their cash quickly and securely, reducing unknown losses. Prosegur Smart Cash enables time savings by automating the counting process and in the daily settlement of cash. In addition, thanks to Prosegur Smart Cash, the customer does not have to go to the bank to deposit the cash, as Prosegur provides security in managing and handing over all the cash to the bank, which avoids dangerous situations for the customer and helps them save time so they can devote themselves fully to their business. In addition, a Smart Cash solution reduces the frequent and expensive phenomenon of the so-called “unknown loss”.

What is “unknown loss”?

This is the loss of inventory or other business resources due to a variety of factors, such as internal and external theft, administrative failure, fraud or cash flow errors. This situation is often a key problem for restaurateurs and retailers.

What do you observe, in terms of their customers and how they prepare for the time after the lockdown?

There is an unbelievable longing to finally be able to get in touch with their customers again, to be able to passionately offer them their own services again. Many small and medium-sized companies, not to mention the big ones, have invested massively in hygiene concepts and tried to use the time to optimise their own processes in terms of costs.

We ourselves have never had so many consultations regarding smart cash solutions as we do today. This has increased even more after clear statements and studies by the World Health Organisation (WHO) and the Bundesbank pointed out that the hygienic cleanliness of cash is at least equal to that of card payments and that the risk of infection in relation to our daily payment methods is minimal in both cases.

Interestingly enough, we have also noticed a high demand for efficiency lifting among companies with small cash volumes and have used the time to be the first company in Germany to develop a corresponding very cost-effective digital solution for this group as well. A crisis always forces everyone to become more efficient and, in my opinion, there is nothing better than doing this together. This is the only way to emerge stronger from a crisis.

Competence NOW: The DATA LITERACY CHARTA

It is an honour to be able to support this forward-looking Data Literacy Charter, initiated by the Stifterverband, as a first signatory together with the most competent representatives from politics, education, business and science.

Jochen Werne

DATA LITERACY CHARTA

Find all original information in German > HERE / please find below a translation for English speaking audience – created with DeepL.com

The Data Literacy Charter, initiated by the Stifterverband in January 2021 and supported by numerous professional societies, formulates a common understanding of data literacy and its importance for educational processes. The charter is in line with the Federal Government’s data strategy and with the Berlin Declaration on the Digital Society.

Author and authors:
Katharina Schüller, Henning Koch, Florian Rampelt


SUMMARY
Data literacy encompasses the data skills that are important for all people in a world shaped by digitalisation. It is an indispensable part of general education.

With the Data Literacy Charter, the signatories express the common understanding of data literacy in the sense of comprehensive data literacy and its importance in educational processes. This understanding is in line with the Federal Government’s data strategy and with the Berlin Declaration on the Digital Society.

Data literacy includes the skills to collect, manage, evaluate and apply data in a critical way. If data is to support decision-making processes, it needs competent answers to four fundamental questions:

What do I want to do with data? Data and data analysis are not an end in themselves, but serve a concrete application in the real world.
What can I do with data? Data sources and their quality as well as the state of technical and methodological developments open up possibilities and set limits.
What am I allowed to do with data? All legal rules of data use (e.g. data protection, copyrights and licensing issues) must always be considered.
What should I do with data? Because data is a valuable resource, a normative claim derives from it to use it for the benefit of individuals and society.
The supporters of the Charter see data literacy as a central competence of all people in the 21st century. It is the key to systematically transforming data into knowledge.

Data literacy enables people, businesses and scientific institutions, as well as governmental or civil society organisations,

to actively participate in the opportunities offered by data use;
deal confidently and responsibly with their own and other people’s data;
to use new drivers and technologies such as Big Data, Artificial Intelligence or Internet of Things to meet individual needs, address societal challenges and solve global problems.
Data literacy strengthens judgement, self-determination and a sense of responsibility and promotes the social and economic participation of all of us in a world shaped by digitalisation.

GUIDING PRINCIPLES
Five principles characterise the importance and role of data literacy as a key competence of the 21st century.

Data literacy must be accessible to all.
Data literacy serves to promote maturity in a modern digitalised world and is therefore important for all people – not only for specialists. The aim of teaching data literacy is to ensure that each individual and our society as a whole deal with data in a conscious and ethically sound manner. Data literacy enables successful and sustainable action that is based on evidence and that takes appropriate account of uncertainty and change in our living environment. We are therefore committed to ensuring that data literacy is taught broadly and can be acquired by all people.

Data literacy must be taught throughout life in all areas of education.
Data literacy must be anchored in all formal and non-formal education sectors and thus established as part of general education. To do this, we must continuously teach learners how data relates to their respective lifeworlds: Data are digital images of real phenomena, objects and processes – this applies to all fields of application. How to collect or procure, evaluate, apply and interpret data appropriately for the respective application must be systematically learned and practised. The basic concept of data literacy and its sub-areas therefore applies across the board, even if the level of competence imparted varies depending on the educational sector and level.
In concrete terms, this requires the inclusion of data literacy in the curricula and educational standards of schools, in the curricula of degree programmes and in teacher training programmes. Learners should not only be addressed as passive consumers of data. Rather, we want to enable them to actively shape data-related knowledge and decision-making. In order to make lifelong learning of data literacy possible, data literacy programmes for extracurricular and vocational training are also needed. We advocate developing and promoting these, for example, together with adult education centres or public libraries.

Data literacy must be taught as a transdisciplinary competence from three perspectives.
Data literacy involves three perspectives: the application-related (“What is to be done?”), the technical-methodical (“How is it to be done?”) and the social-cultural (“What is it to be done for?”). We therefore want to ensure that data literacy is taught from a trans- and interdisciplinary approach. This includes
● the application-oriented perspective (for example, applications from the natural and engineering sciences, economics, medicine, psychology, sociology, linguistics, media studies and many more),
the technical-methodological perspective (for example, from the perspective of statistics, mathematics, computer science and information science),
the socio-cultural perspective (for example, reflection on legal, ethnological, ethical, philosophical as well as inequality aspects)
● as well as the perspective of teaching (for example on the part of subject didactics and educational science).

Data literacy must systematically cover the entire process of knowledge and decision-making with data.
Data literacy ensures that answers to real problems are found with the help of data in a structured and qualitative way. Data literacy therefore includes the following areas of competence:
● Using and protecting data (ability and motivation to responsibly acquire, analyse, share and obtain appropriate data and information in the context of the task at hand).
Classify data and information derived from it (ability and motivation to contextualise and interpret data and information and to critically question learning systems, such as AI applications).
● Act in a data-supported manner (open-minded attitude towards data in the sense of a data culture including insight into the role of data for evidence-based action, ability to handle data with confidence including effective communication of data-based decisions).

Data literacy must comprise knowledge, skills and values for a conscious and ethically sound handling of data.
Data literacy comprises three competence dimensions that must be mapped in all three competence areas. Each competence area is characterised by
● specific knowledge (dimension “Knowledge”),
● the skills and abilities to apply this knowledge (dimension “Skills”) and
● by the willingness to do so, i.e. the corresponding value attitude (dimension “Values”).
Data ethics is a central component of a key competence and is reflected in all sub-areas of data literacy. This means that when data is collected, managed, evaluated and used in a critical way, ethical aspects play an important role throughout. Data ethics and values contribute significantly to ensuring that not only the right means are used to solve problems with the help of data, but above all that the right goals are pursued: Data should make a sustainable positive contribution to society and therefore be used responsibly, context-sensitively and with a view to possible future consequences.

The signatories of the Data Literacy Charter will take measures to disseminate this understanding of data literacy and to further strengthen the associated competences. They call on other actors to do the same in their sphere of influence.

The initial signatories
Institutions & Initiatives (in alphabetical order)

  • Bund Katholischer Unternehmer e.V. (BKU)
  • Deutsche Arbeitsgemeinschaft Statistik (DAGStat) mit ihren 14 Mitgliedsgesellschaften und dem Statistischen Bundesamt Destatis
  • Deutscher Volkshochschul-Verband (DVV)
  • Deutsche Statistische Gesellschaft (DStatG)
  • Digitalrat der Bundesregierung
  • Europäisches Wirtschaftsforum e.V. – EWiF Deutschland
  • Federation of European National Statistical Societies (FENStatS) mit ihren 27 Mitgliedsgesellschaften und der Europäischen Zentralbank
  • FernUniversität in Hagen
  • FOM Hochschule für Oekonomie & Management
  • Hochschulforum Digitalisierung
  • Initiative for Applied Artificial Intelligence by UnternehmerTUM
  • Institute of Electrical and Electronics Engineers (IEEE), European Office
  • International Association for Statistical Education (IASE)
  • KI Bundesverband e.V.
  • KI-Campus – Die Lernplattform für Künstliche Intelligenz
  • Partnership in Statistics for the Development in the 21st Century (PARIS21) / OECD
  • RWI – Leibniz-Institut für Wirtschaftsforschung
  • Stifterverband
  • Technische Universität Dortmund
  • Weltethos-Institut | An-Institut der Universität Tübingen
     

Individuals (in alphabetical order)

Regina Ammicht Quinn, Dorothee Bär, Thomas K. Bauer, Manfred Bayer, Jörg Bienert, Felicitas Birkner, Vanessa Cann, Thomas M. Deserno, Roman Dumitrescu, Johanna Ebeling, Florian Ertz, Andrea Frank, Gerd Gigerenzer, Jessica Heesen, Ulrich Hemel, Norbert Henze, Burghard Hermeier, Wolfgang Heubisch, Oliver Janoschka, Johannes Jütting, Claudia Kirch, Volker Knittel, Henning Koch, Ralf Klinkenberg, Annegret Kramp-Karrenbauer, Alexander Knoth, Beate M. Kreiner, Sebastian Kuhn, Monique Lehky Hagen, Andreas Lenz, Andreas Liebl, Anna Masser, Volker Meyer-Guckel, Antje Michel, Ralf Münnich, Dominic Orr, Ada Pellert, Martin Rabanus, Walter J. Radermacher, Philipp Ramin, Florian Rampelt, Richard K. Frhr. v. Rheinbaben, Peter Rost, Philipp Schlunder, Harald Schöning, Katharina Schüller, Rainer Schwabe, Andrea Stich, Sascha Stowasser, Renata Suter, Georges-Simon Ulrich, Daniel Vorgrimler, Jochen Werne, Johannes Winter

The hallmark of an open society is that it promotes the unleashing of people’s critical faculties, and the Data Literacy Charter, in this best sense, promotes the much-needed creation of data literacy for all areas of our digital society

Jochen Werne

Nach dem Lockdown: Gastronomie und Handel werden mit effizienteren Prozessen wieder eröffnen

Interview mit Jochen Werne, CDO/CVO Prosegur Germany, zu effizienteren Prozessen nach dem Lockdown

In seinem Experten-Interview beleuchtet Jochen Werne zentrale Aspekte aus Sicht von Gastronomie und Handel für effizientere Prozesse nach dem Lockdown

Publiziert von Prosegur Deutschland: LINK HIER

Herr Werne, was sind Ihre persönlichen Beobachtungen in Bezug auf Wirtschaft und Gesellschaft nach einem Jahr der Krise?

Jede Krise bringt natürlich zunächst einmal Leid mit sich und eine Pandemie selbstverständlich Leid für den Einzelnen und seine Angehörigen, wenn ihn das Schicksal, der durch das Virus ausgelösten Krankheit ereilt. Alles Weitere ist wie eine Kettenreaktion. Beginnend vom Staat, der die hoheitliche Aufgabe hat seine Bürger zu schützen und dies im Falle einer Pandemie auch mit dem Herunterfahren des gesellschaftlichen Lebens durchsetzt. Dies wiederum hat bei geschlossenen Unternehmen die Folge drastischer Einkommenseinbußen bei weiterlaufenden Kosten. Bei nicht ausreichender Liquidität führt dies dann zu Insolvenzen, Arbeitsplatzverlusten und im schlimmsten Fall zu einer Wirtschaftskrise. Geschichtlich gesehen hat jedoch auch jede Krise – und diese ist keine Ausnahme – dazu geführt, dass die Wirtschaft effizienter wird und technologische Trends eine Beschleunigung erfahren.

Im Moment – in dieser für viele so schwierigen Situation – beobachte ich eine unglaubliche und inspirierende Kreativität. Sie beginnt bei den kleinen und mittelständischen Unternehmen, die sich versuchen agil, der gefühlt täglich neuen Lage anzupassen, sich zu verbessern, Kosten zu optimieren und sich optimal für die Zeit nach der Krise aufzustellen. Das stimmt hoffnungsfroh für die Zeit nach der Krise und es ist eine große Motivation mit einem fantastischen Team den eigenen Teil dazu beitragen zu können.

Jede Krise fordert von Unternehmen eine gewisse Resilienz. Die nationale Akademie der Technikwissenschaften (acatech), hat zum Digitalgipfel der Bundesregierung im November ein Impulspapier mit dem Titel „Resiliente Vorreiter“ vorgestellt. Darin wird Prosegur mit deiner digitalen Smart Cash Lösung als Best Practice Besipiel für ein zukunftsgerichtetes und kostenoptiertes Cash Managment für den Handel und die Gastronomie genannt. Wie funktioniert Prosegur Smart Cash?

Link zum acatech-Impulspapuer

Mit Prosegur Smart Cash können Gastronomen, Einzel- oder Großhändler Bargelder zur sicheren Verwahrung direkt in das Smart Cash Gerät einführen. Das Besondere – im Gegensatz zu einem einfachen Tresor ist es, dass einmal eingeführt, das Gerät automatisch das tägliche Zählen und Abrechnen des Bargeldes übernimmt. Die Zeit- und somit Kostenersparnis in den internen Prozessen bei unseren Kunden ist teilweise beträchtlich. Das Gerät verfügt über ein Kommunikationsprotokoll, das die Überweisung des Wertes der Abholung auf das Bankkonto des Kunden innerhalb von 24 Stunden ermöglicht. Sobald sich das Geld im Gerät befindet, liegt die Verantwortung und Verwaltung bei dem spezialisierten Team von Prosegur Cash, das für den Transport und die Verwahrung des Geldes zur Bankfiliale verantwortlich ist. Somit entfällt auch der teilweise tägliche und nicht ungefährliche Gang zur Bankfiliale.

Was sind die Vorteile von Prosegur Smart Cash?

Zusammengefasst spart es unseren Kunden Zeit und Geld und schafft mehr Transparenz und Sicherheit. Die Kunden von Prosegur Smart Cash können ihr Bargeld schnell und sicher aufbewahren und so unbekannte Verluste reduzieren. Prosegur Smart Cash ermöglicht eine Zeitersparnis durch die Automatisierung des Zählens und bei der täglichen Abrechnung des Bargeldes. Darüber hinaus muss der Kunde dank Prosegur Smart Cash nicht zur Bank gehen, um das Bargeld einzuzahlen, da Prosegur für die Sicherheit bei der Verwaltung und Übergabe des gesamten Bargelds an die Bank sorgt, was gefährliche Situationen für den Kunden vermeidet und ihm hilft, Zeit zu sparen, damit er sich voll und ganz seinem Geschäft widmen kann. Außerdem reduziert eine Smart Cash Lösung das häufige und teure Phänomen des sogenannten „unbekannten Verlustes“.

Was ist „Unbekannter Verlust“?

Jochen Werne: Hierbei handelt sich um den Verlust von Inventar oder anderen Geschäftsressourcen, der auf eine Vielzahl von Faktoren zurückzuführen ist, wie z. B. interner und externer Diebstahl, Verwaltungsversagen, Betrug oder Fehler im Cashflow. Diese Situation stellt für Gastronomen und Einzelhändler oftmals ein zentrales Problem dar.

Was beobachten Sie, in Bezug auf ihre Kunden und wie sich diese auf die Zeit nach dem Lockdown vorbereiten?

Jochen Werne: Es ist eine unglaubliche Sehnsucht zu beobachten, endlich wieder mit seinen Kunden in Kontakt treten zu dürfen, um Ihnen wieder leidenschaftlich die eigenen Leistungen und Services bieten zu dürfen. Viele Kleine und mittelständische Unternehmen, von den großen ganz abgesehen, haben massiv in Hygienekonzepte investiert und versucht die Zeit zu nutzen um die eigenen Prozesse zu kostenoptimieren.

Wir selbst haben noch nie so viele Beratungsgespräche in Bezug auf smarte Bargeldlösungen geführt wie heute. Dies hat sich noch einmal erhöht, nachdem deutliche Aussagen und Studien der Weltgesundheitsorganisation (WHO) und der Bundesbank darauf hinwiesen, dass die hygienische Sauberkeit vom Bargeld mindestens gleich dem von Kartenzahlungen ist und eine Ansteckungsgefahr in Bezug auf unsere täglichen Bezahlmethoden in beiden Fällen geringst ist.

Interessanterweise haben wir auch eine hohe Nachfrage nach Effizienzhebung bei Unternehmen mit kleinem Bargeldaufkommen festgestellt und die Zeit genutzt um als erstes Unternehmen in Deutschland auch für diese Gruppe eine entsprechende sehr kostengünstige digitalte Lösungen zu entwickeln. Eine Krise zwingt immer alle effizienter zu werden und es gibt meiner Meinung nach nichts besseres, als dies gemeinsam zu tun. Nur so schafft man es gemeinsam aus einer Krise gestärkt hervor zu gehen.

Book recommendation: Robo-Advisory: Investing in the Digital Age

Edited by Prof. Dr. Peter Scholz; published by Palgrave Studies in Financial Services Technologies. Buy a copy here

Congratulations to Peter Scholz for publishing this excellent book on new technological investment methods. It was an honour for me to write the foreword and I wish every reader enriching insights into this new field of investing in the digital age.

Jochen Werne
Prof. Dr. Peter Scholz

This book is the first to provide comprehensive answers to these questions in a fundamental, decisive, detailed and nuanced way. It clarifies the basics, the technology and the tactics behind those clever, financial machines, gives insights into their previous track record to date and much more. Looking ahead, it provides a preview of what is and may be yet to come. As a matter of fact, so far only a relatively small percentage of the global investment community have more or less relied on robo-advisors, depending on their respective culture. It is also a fact that we are only at the beginning of development. We have all borne witness to how exponentially fast things can move forward. One such example is the evolution of smartphones—which by the way have been around for just a little longer than robo-advisors.

Buying Crypto-Currency with Cash: Prosegur supports the operation of Bitcoin-ATM‘s in Germany

The possibility to buy Bitcoins with cash in a regulated process at a designated ATM intelligently combines the best of both worlds. As Germany’s market leader in cash transport and processing, Prosegur guarantees secure cash handling for Europe’s largest operator of Bitcoin ATMs.

Find details about the project in this article from t3n, translated with Deepl.com. Find original HERE

Sutor Bank has announced a number of cooperations in the fintech sector in recent years. In the future, the tradition-rich bank will set up Bitcoin ATMs in Germany.
The project will be implemented as a cooperation with the Hamburg-based Sutor-Bank, the Austrian Kurant, which claims to be Europe’s largest operator of Bitcoin ATMs, as well as the startup Spot9 with the participation of IDnow, Coinfirm and Prosegur. According to the participants, this is a unique cooperation that meets all the requirements of the German banking supervisory authority Bafin – and the number of participants already suggests how high they are. Their rules include, for example, compliance with money laundering guidelines and the secure identification process of customers, which IDnow takes over. Finally, Prosegur is involved as a security service provider in the area of cash transport and processing and is supposed to guarantee secure cash handling.


Last week, the first machine was set up in Berlin – in the medium term, a nationwide network of Bitcoin machines is to be set up. “Spot9’s vision is to enable everyone, even without extensive prior knowledge, to use our Bitcoin ATMs. That is why it is very important for us to understand exactly how customers behave at the vending machine before we open the additional locations,” says Johannes Gorski, CEO of Spot9.

Vending machine solution: Easier than buying bitcoin via an exchange


The vending machine solution is intended to be a safe and easy-to-understand alternative to buying online and carries fewer risks than buying cryptocurrencies on Bitcoin exchanges, the parties involved explain. The purchase process works via cash and is similar to the operation of a conventional ATM. Thus, the offer is aimed at customers who want to buy cryptocurrencies in their normal everyday life.

After the first vending machine has been set up in Berlin, but can be used by a selected test group for the time being, the primary goal is to get to know the user behaviour of the customers better and thus ensure an optimal user experience. The opening of further locations is to take place in the course of the first quarter of 2021, whereby the Corona Factor will of course still have an impact.

It should be possible to use the Bitcoin ATMs with any digital Bitcoin wallet. The user is thus independent of an ATM-specific wallet. However, in order to use the Bitcoin ATMs, the customer must first go through the registration process with verification on the Spot9 website.

THE 50 MOST INFLUENTIAL GERMANS ON THE TECH SCENE

The Tyto Tech 500 Power List is an objective, data-based survey of various technology sectors in Germany, France and the UK. The study is the first of its kind to measure who has what influence in the tech sector on the basis of various key figures from the online and offline world.

It is a special pleasure to be ranked #35 (Jochen Werne / Prosegur) in the just published Top50-List 2020 of the most influential Germans

DIE 50 EINFLUSSREICHSTEN DEUTSCHEN DER TECH-SZENE

Die Tyto Tech 500 Power List ist eine objektive, datengestützte Untersuchung verschiedener Technologie-Bereiche in Deutschland, Frankreich und dem Vereinigten Königreich. Die Studie ist die erste ihrer Art, die auf Basis verschiedenster Kennzahlen aus der Online- und Offline-Welt misst, wer welchen Einfluss im Tech-Bereich hat.

Es ist eine besondere Freude in der soeben veröffentlichten Top50-Liste 2020 der einflussreichsten Deutschen den Rang #35 (Jochen Werne / Prosegur) zu belegen und dies neben Persönlichkeiten wie (nach Ranking):
Sascha Dolling, Jens Pöppelmann, Oliver von Wersch, Sven Bornemann, Sven Stuehmeier, Carol Starr, Bastian Krüger, Norman Wagner, Miriam Thome, Maike Abel, Nico Winkelhaus, Naren Shaam, Robert Jacobi, Ramin Niroumand, Claudia Kemfert, Mallikarjun Rao, Matthias Reinwarth, Ben Shaw, Tessa Niemann, Maren Wulf, Miriam Wohlfarth, Karin Libowitzky, Afseneh Afsaei, Dr. Oliver Vesper, Tim Sievers, Milos Rusic, Felix Falk, Markus Forster, Martin Schmid, Alen Nazarian, Hartmut Giesen, Peter Altmaier, Murat Vurucu, Chris Bartz, Eduard Singer, Alexander Schott, Ritavan ~, Joachim Hensch, Tim Höttges, Dr. Jan Kemper, Andreas Schierenbeck, Hans-Dieter Kettwig, Jost Backhaus, Jens Spahn, Paul Gauselmann und Frank Puscher