The company acts as a full-service partner, offering a spectrum of capabilities ranging from strategic consulting and software development to the operation of applications in secure cloud environments.

Core Focus Areas

The company's operations are primarily divided into two main verticals: Banking and Insurance. Within these sectors, b+m Informatik targets high-complexity administrative processes that require strict regulatory compliance and deep integration with existing core banking or insurance systems.

1. Banking Solutions

In the banking sector, b+m Informatik is particularly renowned for its expertise in Promotional Banking (Furdergeschaft). This involves the management of government-subsidized loans and grants, a process that is often bureaucratically heavy and data-intensive.

• Promotional Loan Management: The company provides digital platforms that streamline the application, approval, and management of promotional loans. This includes connecting commercial banks with public development banks (such as KfW or regional development banks like NBank).
• Loan Processing: Their solutions automate the end-to-end lifecycle of credit products, reducing manual data entry and accelerating decision-making times.

2. Insurance Solutions

For the insurance industry, b+m Informatik focuses on connectivity and administrative efficiency, particularly regarding broker communication and occupational pensions.

• BiPRO Standards: The company is a significant driver of BiPRO (an industry standard for data exchange in the German insurance market). They provide tools that allow insurers to connect seamlessly with brokers and sales platforms, automating the transfer of documents and policy data.
• Occupational Pensions (bAV): They offer specialized systems to manage the complex calculations and administration required for company pension schemes (Betriebliche Altersversorgung).

Key Products and Platforms

b+m Informatik offers a suite of proprietary software products designed to be modular and integrable into existing IT landscapes.

b+m FGCenter (Furdergeschaftscenter)

The FGCenter is the company's flagship solution for the administration of promotional loans. It serves as a central hub for processing application data and communicating with development banks. * Functionality: It supports the entire workflow from the initial advisory meeting to the disbursement of funds and usage verification. * Integration: The system integrates with core banking systems (such as OSPlus or agree21) to eliminate media breaks (re-typing data). * Compliance: It is regularly updated to ensure compliance with the changing guidelines of federal and state development banks.

b+m bAVManager

This platform is designed for insurers and pension administrators to manage Occupational Pension Schemes. * Administration: Handles the administration of pension contracts, including complex mathematical provisions and lifecycle events (e.g., an employee leaving a company or retiring). * Communication: Facilitates data exchange between the insurer, the employer, and the employee.

b+m BiPRO Manager

The BiPRO Manager is a middleware solution that acts as a central communication gateway for insurance companies. * Connectivity: It connects the insurer's internal back-end systems with external sales partners and broker management systems. * Standardization: It ensures that all data exchange adheres to the norms defined by the BiPRO Institute, covering processes like transfer of documents, tariff data, and commission statements.

b+m LMS (Loan Management System)

A digital platform for general loan management, often deployed to modernize legacy credit processing. * Cloud-Native Options: In collaboration with partners like IBM, b+m offers versions of LMS that can be hosted in secure private clouds, enabling banks to scale resources as needed (e.g., during periods of high loan application volume like COVID-19 relief programs).

Services

Beyond its product suite, b+m Informatik operates as a consultancy and technology partner.

Software Development & AI

The company employs a "Financial Engineering" approach, combining banking know-how with technical expertise. * Custom Development: They build bespoke applications using Java and modern web technologies for clients who need solutions outside of standard off-the-shelf software. * Artificial Intelligence: b+m integrates AI components into their workflows, such as automated document recognition or intelligent data analysis to support credit decisions.

IT Consulting

Consultants assist financial institutions in optimizing their IT architecture and processes. This includes: * Process Analysis: Reviewing current workflows to identify bottlenecks or compliance risks. * Migration Strategies: Helping clients move from legacy mainframe systems to modern, service-oriented architectures (SOA).

Managed Services

As an IBM Business Partner, b+m Informatik offers hosting and managed services. They can take over the technical operation of their applications, ensuring high availability, security patching, and regulatory compliance (e.g., GDPR, BAIT/VAIT requirements).

Company History and Structure

• Foundation: Established in 1994 by authors Becker and Mohnberg.
• Evolution: The company grew from a software developer into a comprehensive solution provider. Over the years, it has integrated various subsidiaries, such as engram GmbH (specializing in gamification and e-learning for finance), to broaden its portfolio.
• FINNOFLEET: In 2023, b+m Informatik became a founding member of the FINNOFLEET group. This strategic alliance allows b+m to leverage a wider network of resources and complementary technologies while maintaining its specific focus on the German banking and insurance market.