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Securities Business in Transition: Why Automation, Integration and Modularity Determine Competitiveness

Posted on 07.07.2026 By Simon Dummel

The securities business in the DACH region is now technologically mature. An anonymised provider survey on service design shows why competition is shifting all the same: interfaces, automation and modular architectures have become standard equipment. The distance between providers opens up elsewhere.

Three findings from the analysis:

– Most providers share a solid, comparable technological base. It has become a hygiene factor. The gap is created by depth of automation, integration quality and modularity.

– Automation tends to cover individual steps rather than the full process. The bottleneck is exception handling: incomplete data, regulatory warnings, special cases in savings plans. Without structured exception handling, automation reaches its limits as volumes grow.

– Interfaces exist almost everywhere, but their usability differs widely. Providers that run their APIs as a product, with a clear scope and stable data models, connect partners faster and scale services more efficiently.

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Development of Business Ecosystems in the DACH Region and the Potential of “Digital Files” as a Starting Point for Integrated Services

For the past four years, the Ecosystems Competence Center has been regularly investigating which business ecosystems are emerging and developing in the DACH region. This ecosystem radar is supplemented by selected international business ecosystems. A fundamental prerequisite for offering customers integrated solutions through various partners in a Business Ecosystem is the concept of the “digital file”. By this we mean a collection of relevant data related to a specific object on which these solutions focus. Such digital files, e.g. around the object house or car, are currently emerging in all Business Ecosystem areas we observe. This blog post describes the developments of selected Business Ecosystems as well as approaches of digital files.