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We are globally moving through a period of fundamental change: the digital transformation of society. CREALOGIX identified this transition and the trends at an early stage and adapted its strategy accordingly. We have the competencies to successfully lead the journey of our customers around the globe into the digital future. Find out more in our Business Report “The trend is our friend”.
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The trend is our friend.
Digitalisation of Banking
We are globally moving through
a period of fundamental
change: the digital transforma
tion of society. CREALOGIX
identified this transition and the
trends at an early stage and
adapted its strategy accordingly.
We have the competencies to
successfully lead the journey of
our customers around the
globe into the digital future.
Highlights.Annual results 2013/2014
FY11 / 12 FY12 / 13 FY13 / 14
+ 40 %
+ 11 %
+ 23 %
+16%
Investments in development and differentiation
of CREALOGIX products
Licence royalties
EBITDA CHF1.7million
>20%Capacity
Licences acquired
+90%New licence sales since 1. July 2011
crealogix.com/ report-en
282
256
220
282Net cash flow
CHF50.1million
Revenue
FY13 / 14
FY12 / 13
FY11 / 12
Employees
CHF5.3million
19 %
21 %
27 %
FY11 / 12 FY12 / 13 FY13 / 14
Internationalisation
27%International share of sales outside of Switzerland
Digital transformation is on every management agenda – worldwide and across every sector. A development that aligns to CREALOGIX’s portfolio. Our software products and solutions meet the current and future requirements of the financial industry. As the “Leader for the Digital Bank” we are standing at the dawn of a new era. Our inter national expansion prepares the foundation for the continued growth of our company and also reinforces our position in our domestic markets.
Bruno Richle
Chairman of the Board of Directors
and CEO
A note from the CEO.
The trend is our friend.
CREALOGIX is on an international growth path.
Signs of the times.
During the past twelve months CREALOGIX also experienced this development. Further
more, to its benefit. Thanks to its innovative offerings for digital banking, epayment
and elearning, in 2013/2014 the group improved its annual sales from 49.3 million
to 50.1 million Swiss Francs. The licensing business increased by 16.3 per cent over
the previous year. It has been expanded with significant new mandates from Switzer
land, Europe and the AsiaPacific region (APAC).
Just under 90 per cent of all companies are looking towards a digital change. This was the conclusion reached by a recently published study. It shows that the digitalisation of everyday life has long since started. This changes business processes, enables new business models and impacts entire industries. The music industry, the media sector and the photo business have already undergone fundamental changes – as well as the financial industry.
+ 16.3% The sales from new licences and
maintenance was 16.3 per cent higher
than the previous year.
crealogix.com/ reporten
Altimeter Group. Digital Trans
formation Survey, 2014
New business models and processes.
The digitalisation of the private and commercial environment will continue indefinitely.
Companies around the globe will use the new technologies to offer their customers,
employees and other business partners more streamlined, convenient and efficient
processes. The concentration on the Customer Journey will certainly also lead to new
business models.
Digital banking already on track.
There is barely a bank out there that is not reconsidering its business model. Shrinking
margins, increasing mobility, changing customer behaviour and constant regulation
changes play a significant role in this respect. A development that CREALOGIX antic
ipated in its digital banking strategy and for which it already offers a newly launched
portal platform, a modular, tried and tested solution. In the direct bank environment,
our continuously developed ebanking suite is a coveted solution that focuses on the
German market. Moreover, great importance is currently also ascribed to digital con
sulting in financial issues, where CREALOGIX provides a premium solution in online
advisory. Together with the latest security products, which have been audited by
external specialists, CREALOGIX already provides the solution for the digital bank of
the future.
New impetus in digital payment transactions.
The influence of digital transformation is also changing the method of payment. New
technologies and cloud solutions are leading to innovative offers. CREALOGIX is
focused on payment transactions and is continuing to expand its offerings for banks,
companies and associations in line with the general trend. For example, CLX.Nova
is also provided as SaaS (Software as a Service). As a technology partner of Qontis
AG, CREALOGIX strengthened its position in Personal Finance Management (PFM)
in the Swiss market.
ebanking. crealogix.com
nova. crealogix.com
CREALOGIX“The Leader for the
Digital Bank”
Learning independently of place and time.
Even learning is constantly becoming more digital. In many educational institutions,
these days, you are more likely to find a tablet than books. Entertaining and mobile
offerings also allow companies to provide new motivation when training and develop
ing their employees. CREALOGIX’s wide range of offerings covers almost every area.
The most recent development is the linking of ebanking and elearning. A response
to the banks’ training obligation towards its customers.
Digitalisation speaks for CREALOGIX.
CREALOGIX is at the pole position thanks to the internationalisation measures and
investments introduced in the past three years. The success with the digital banking
offerings in the domestic market is also helping the group break through on the inter
national stage. Its expertise means that CREALOGIX has the necessary competencies
to support companies in their digital transformation. After all, this transition is in full
swing and no company will be able to oppose it. CREALOGIX will benefit from this.
The Swiss “Enabler for the Digital Banking Strategy” has opened up new horizons both
geographically as well as economically.
crealogix.com/ education
crealogix.com/ reporten
BANKSneed to keep up the pace and change
CREALOGIXEnabler for the digital banking
strategy
Customer Perspective
Change in customer behaviour and consumerisation
of technology
Market Perspective
Digital Banking considered hottest issue and becoming priority investment focus
Banking Business Model
Banking business model under pressure by margin erosion and disruptive innovations
CREALOGIX is the leader for digital banking
solutions
77%
77 percent of bank customers in the UK use online or mobile banking at least once a month.
Source: BBA, The Way We Bank, 2014
60%
According to Gartner, 60 percent of all bank transactions worldwide will be processed via a cloud in 2016.
Source: Gartner, Top Industries Predicts, 2014
14.7 million
To date, in excess of 14.7 million banking apps have been downloaded in the UK.
Source: BBA, The Way We Bank, 2014
“The Leader for the Digital Bank”.
The financial industry is faced with a structural change worldwide, which will promote the continued digitalisation of the banking business. As a leading solution provider for digital banking with initial large international projects and the start of expansion in growth markets, CREALOGIX has reached a milestone in the company’s global development.
The signs point to change.
Retail and private banking as well as asset managers around the globe are being con
fronted with fundamental changes. The progressive mobility of the customer base, their
desire for everything to be available at all times, and the generational change from old
to new money require new services and offers. Regulatory measures are increasing
under the influence of FATCA, MiFID II and the full tax transparency required by the
OECD. Margins continue to erode.
Right solution at the right time.
It’s no surprise that 80 per cent of banks are currently questioning their organisational
structure. At the same time, new providers are emerging and are forcing their way
into the traditional value chain with new business models. The financial institutions
seem to recognise the signs of the times. Almost nine out of every ten bank managers
surveyed around the world are of the opinion that the time for innovation is at hand.
And they are prepared to invest.
ebanking. crealogix.com
PwC, Retail Banking 2020 Report, 2014
To increase customer value.
CREALOGIX is ready for the digital bank of the next generation. It is the most compre
hensive platform for digital banking across all channels. It combines stateoftheart
internet banking with proactive client management modules. The portfolio of advanced
modules covers all functionalities that retail and private banks as well as asset managers
require to ensure a seamless offer. CREALOGIX offers a triedandtested solution for
cooperative asset management between the customer and the advisor.
The edge in security.
CREALOGIX also has the answer to the fact that 71 per cent of the bank CEOs surveyed
view cyber crime as the greatest insecurity in their business. CREALOGIX combines
forensic measures with the latest authentication methods and integrates additional
security measures with external components. CLX.MobileSecurity, developed in
cooperation with the Swiss Federal Institute of Technology in Zurich and the CN Lab,
ensures security on mobile devices.
Already in use.
The current CREALOGIX offering for digital banks is tried and tested and docks with a
range of backoffice solutions. The open portal architecture is scalable and enables the
integration of external products. More than ten products are already implemented at
national and international banks. CLX.EBanking 2.0 can be adapted to every bank’s
strategy and is ready for use almost immediately.
The next stage.
In order to support the digital transformation of banks worldwide, CREALOGIX is now
also represented in Singapore, London and Vienna. The development of the digital
banking offer is focused on the portal and advisor functions as well as the cloud and
partner capabilities. A combination of digital banking and digital learning will be
introduced to the market shortly as a result of the new statutory duty of financial
institutions to provide vocational training. CREALOGIX, as a “The Leader for the
Digital Bank”, is a step ahead.
www.ethz.ch
www.cnlab.ch
3 x
According to Gartner, the global volume of payments
processed via mobile banking will be three times higher
in 2017 than in 2013.
Source: Gartner / Statista, 2014
90 percent of the mobile data transfer volume will be generated via software as a
service (SaaS) and cloud based business applications in 2018.
Source: Cisco VNI Mobile, 2014
90%
New impetus in digital payment transactions.
CLX.Nova, the new generation of financial software, is CREALOGIX’s logical response
to the trends in crossplatform and mobile business applications. Its multibank con
nection means that it meets the requirements of companies and associations for pay
ment transactions and is available as a costeffective Software as a Service (SaaS)
solution. The feedback has been extremely positive and promising. This opens another
window of opportunity for CREALOGIX in this segment, as mobile payment and SaaS
offers are on the move worldwide.
CREALOGIX has also been a technology leader in digital payment transactions in
Switzerland for many years. Its slip scanners are the most popular tools in Swiss offices
and the CLX.FTX communication module is in high demand from software partners.
In this role, the specialists are already turning their attention to the new data formats
in payment transactions, ISO 20022, SEPA and the transmission protocol EBICS. Also
in the pipeline is the next generation of slip scanners, which, in future, will be able to
record the QR codes used on the new Swiss standard payment slip.
This consistent forwardlooking strategy will ensure that CREALOGIX remains a strong
partner in payment transactions and financial management for companies and banks.
Software as a Service (SaaS) and cloud applications will shape the payment transactions of the future. CREALOGIX has developed these segments. As a strong banking partner, it is already working on solutions that meet the upcoming international standards and requirements. The focus remains the same at CREALOGIX: maximum security requirements that at least equal security in the ebanking sector.
nova.crealogix.com
crealogix.com/ epayment
New way of learning in the digital age.
Digitalisation has had a huge impact on education and learning. Educational institutions and companies are taking advantage of the benefits of education and training irrespective of time and location. The linking of elearning and ebanking is the key to financial literacy in the banking world.
A total of 45 000 students and instructors from over 4 000 companies: this is the
current number of users in the CREALOGIX cloud based time2learn education plat
form. CLX.Evento and CLX.Planer provide welcome support for efficiency increase
and performance improvement in campus management for colleges and universities.
Following an impressive start, the digital transformation is now constantly moving
forward for education and training. The desire for mobility, increased efficiency
in education and a new way of learning, made possible by technology, are rapidly
driving its development. Entertaining and social learning are setting new standards
and are increasing motivation.
Banks are being confronted by the increasing financial competence of their customers.
CREALOGIX has taken on this task, equipped with expertise in elearning and dig
ital banking. It discussed how the banking sector will be able to efficiently meet its
financial literacy and compliance obligations in an impressive presentation to a broad
range of international industry professionals at the “Fintech” event “Finovate Spring”
2014. Internet or mobile apps allow banks to load interactive elearning modules as
part of a secure session.
crealogix.com/ education
finovate.com
+23%
The elearning market will increase annually by 23 percent by 2017 and will thus see the strongest growth in the entire training sector.
Source: IBIS Capital, Global eLearning Investment Review, 2013
+500%
According to Gartner, the market for mobile and elearning will grow globally by 500 percent between 2014 and 2020.
Source: Gartner / Statista, 2014
At your doorstep.
Austria
CREALOGIX (Austria) GmbH
Herrengasse 1
1010 Vienna
Great Britain
CREALOGIX UK LTD
68 Lombard Street
London, EC3V 9LJ
CREALOGIX MBA LTD
Staple House, Staple Gardens
Winchester, SO23 8SR
Singapore
CREALOGIX PTE. LTD.
80 Raffles Place
Level 35 UOB Plaza 1
Singapore 048624
Switzerland
CREALOGIX AG
Baslerstrasse 60
8048 Zurich
Länggassstrasse 7
3012 Bern
Rosengartenstrasse 6
8608 Bubikon
Germany
CREALOGIX (Deutschland) AG
Breitscheidstrasse 10
70174 Stuttgart
Kapuzinerstrasse 7a
80337 Munich
CREALOGIX worldwide
CREALOGIX Holding AG
Headquarters
Baslerstrasse 60
8048 Zurich
crealogix.com
At your doorstep.
Singapore
CREALOGIX PTE. LTD.
80 Raffles Place
Level 35 UOB Plaza 1
Singapore 048624
The Leader for the Digital Bank. crealogix.com