The Chairman of the IT Planning Council and the Chief Executive Officer of the Banking Association as well as the Managing Directors of Bank-Verlag and Governikus agree on an intensive exchange of information between the two industries.
A number of EU countries are leading the way: The banking industry and the public sector are working together in the course of digitization to make the relevant infrastructures available in both sectors for the benefit of citizens and customers. The aim is to drive digitization forward in the most user-friendly and far-reaching way possible.
Success in these countries proves them right. Wherever the banking industry and the public sector cooperate, both the usage figures and user acceptance of the corresponding online services are significantly higher than in Germany. In Denmark, for example, e-government and online banking have a usage rate of around 90%, whereas in Germany the figure is only around 50%. This is reason enough to intensify the dialog between the various sectors in Germany.
Last Thursday, the Chairman of the IT Planning Council, State Councillor Hans-Henning Lühr and the Chief Executive Officer of the Banking Association, Andreas Krautscheid, as well as the Managing Directors of Bank-Verlag, Michael Eichler and Governikus, Dr. Stephan Klein, met to exchange views on several digitization topics and cooperation opportunities. It was agreed to continue the conversation in an expanded circle.
"This initiative comes at exactly the right time, as both industries face similar challenges. It is important to continue the talks now with as many relevant stakeholders as possible," says Krautscheid, Chief Executive of the Association of German Banks. Henning Lühr, Bremen's State Councillor for Finance and State CIO, adds: "If other EU countries are working successfully with banks and savings banks on e-government, we should also use the good experiences in Germany as a model." Bremen is chairing the IT Planning Council on a rotational basis this year.
In addition to the possible uses of the readable ID card for opening an account online, but also at the local branch, and the legitimation checks required under the MLA, the discussion also focused on the possibility of using so-called remote signatures on the basis of online banking, which can be used for legally valid electronic signatures both in online banking and in public administration.
Bank-Verlag and Governikus are already cooperating operationally to drive forward the corresponding synergy effects. The focus here is primarily on user-friendliness, but also on security aspects. "Online offerings must always be thought of from the customer's point of view. They want to use existing technologies and familiar applications," explains Eichler. As a trust service provider in accordance with the European eIDAS regulation for legally valid electronic remote signatures, Bank-Verlag already has the corresponding authorization certificates from the Federal Office of Administration for the use of the ID card, in addition to state-of-the-art 2-factor authentication procedures.
"The requirements for the security level of online services are equally high in both the banking industry and the public sector. This is an essential prerequisite for the mutual use of digital offerings," adds Dr. Stephan Klein. Governikus develops and maintains software solutions for secure eID, transport and signature infrastructures for the public sector and the judiciary on behalf of the IT planning council members (federal and state governments).
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Governikus GmbH & Co. KG
Petra Waldmüller-Schantz | Director Communications
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