Speed-to-Market
Your Competitors Ship in Weeks. Your IT Takes Months.
We help banks break free from core system dependencies, so your teams can innovate fast, launch with confidence, and stay ahead of neobanks.
AOE, trusted partner
Trusted by leading financial institutions in the DACH region
Every Delayed Feature Is a Customer You're Losing
Traditional banks are caught in the same trap. A great idea lands on the roadmap. It waits for a release window. Then it competes with twenty other priorities. By the time it ships, the neobank next door already has three versions live.
The root cause is almost always the same: a tightly coupled IT landscape where every change, no matter how small, runs through the core banking system. Long release cycles slow everything down. Small use cases never get prioritized. Business units lose confidence in IT, and IT gets buried under requests it cannot fulfill fast enough.
AOE NEVO: Our modular digital banking toolkit
The NEVO platform, AOE's modular digital banking toolkit, accelerates this further. Built on benchmarking data from more than 30 banks across the DACH region, NEVO provides ready-to-use components that cover account overviews, payment flows, investment dashboards, and advisory chat, all implementable in under 12 months.
The modular platform for digital financial institutions
Modular Innovation Without Touching the Core
We work with banks across the DACH region to build a modern integration layer that separates the frontend and customer experience from the core banking system. This architectural shift does not require a full system replacement. It works alongside what you already have.
The approach is practical and proven. AOE starts with a focused proof of concept that demonstrates tangible value within weeks. From there, the integration layer grows incrementally, connecting digital satellites such as campaign microsites, self-service portals, and product journeys to backend services without creating new dependencies or technical debt.
What Changes When Your IT Becomes Agile
When business units can launch features independently of core banking release cycles, the dynamic inside a bank shifts entirely. Based on AOE's experience across more than 400 banking projects, the results are measurable from day one.
Independent Delivery
Marketing, product, and compliance teams ship updates without waiting for core banking release windows or competing for IT capacity.
Real Time Iteration
Product teams test and improve faster, bringing ideas from concept to live product in weeks rather than months.
30 to 50% Lower Integration Costs
A modern integration layer reduces the time and cost of every future integration, proven across AOE's work with leading DACH banks.
Lasting Competitive Edge
Faster delivery builds organizational confidence and creates a structural advantage that grows stronger over time.
Our product at a glance
"In every bank we work with, the core system is rarely the real problem.
The real problem is that there is no layer between it and the teams who want to move fast. Once we put that layer in place, even as a small pilot, the entire organization feels the difference."
— Christian Berger, CEO / AOE FinTech
Real banks. Real results.
Portfolio Analysis Agent for DZ Bank
Analysts at DZ Bank were spending up to 80 hours on a single portfolio analysis. Complex questions had to be manually translated into technical queries, data had to be pulled separately and results had to be interpreted by hand. AOE deployed a conversational AI agent that breaks down complex questions into structured sub-analyses, executes intelligent data queries and surfaces interpretations automatically — with full human review at every step. The result: analysis time dropped from 10 working days to approximately one hour. The project went live within six months and continues to scale across additional reporting use cases.
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