On site for you. We look forward to seeing you again!

On site for you. We look forward to seeing you again!

Digitally and by phone, we have been at your side over the last few months. Finally, we meet again in person.

From one day to the next, there was a home office instead of an office, digital meetings instead of meetings in person, digital contact instead of face-to-face meetings. Communication had to be scheduled, technically implemented and precisely planned. We proved last year that this works.

But what we also sensed: The exchange at a face-to-face meeting is hard to replace.

We are all the more excited to see you and talk to you at several events after more than a year. You will meet us at these state working conferences of the Professional Association of Municipal Treasurers:

What are the current challenges in your work? How can we support you in simplifying processes and further digitalising the treasury? We will listen to you and continue to be at your side.

You can make an appointment to talk to us at one of the events here. We look forward to meeting you!

Challenge and Opportunity: Theses on Municipal Development after the Pandemic

Once a quarter, the members of Loanboox’s Market Industry Board exchange views on current topics related to municipal financing. In the virtual March meeting, Norbert Portz from the  German Association of Cities and Municipalities was a guest. He shared his knowledge and experience and presented inspiring trends on the possible development of cities and municipalities after Corona.

There are about 11,000 cities and municipalities in Germany, large and small, structurally weak and structurally strong. What unites them all – despite the differences – is the question of the “aftermath” and what effects the pandemic will have.

Thesis 1: Inner cities develop new structures

It is foreseeable that online retail, which has increased by 20% in 2020, will remain at a high level. This has an enormous impact on local retailers and on the structure of city centres.

Inner cities are the mirror of society and represent its change spatially. They are home, offer identification, are points of attraction for residents and tourists. Much of this is lost through the closure of department stores and retail outlets as a source of footfall. New concepts of use and adapted structures are needed.

The future lies in functional mixing

Some medium-sized cities are setting a good example – and did so even before Corona. In Chemnitz, for example, a former department stores’ was turned into a museum and in Neuss into a theatre. Others are opting for a mix of uses for the department stores’ property, including retail, gastronomy, education, housing and parking. Potential new tenants for retail shops in the shopping malls could be craft businesses, kindergartens and creative people, for whom the inner city location is becoming attractive due to falling rents. Falling prices also offer opportunities for affordable living in the city and new work concepts.

But a change of use entails other adjustments. Noise protection and making opening hours more flexible are just two examples. Other things also need to be considered: a good pedestrian and bicycle infrastructure, public transport connections and accessibility by low-emission private transport. Attractive, safe and clean public paths and squares with seating and sufficient play facilities for children are equally important.

The municipalities, with their economic promotion and city marketing, play a key role in shaping the inner city transformation and are faced with major tasks.

Rathaus Deutschland

Thesis 2: Working from home strengthens the metropolitan hinterland

Working from home will continue to be recognised by many companies as an equivalent form of work in the future. There will be no complete return to compulsory office presence, according to surveys and studies. The resulting effects will be enormous, especially in the conurbations: vacant office space and buildings in the city centres and their conversion are one thing, moving to the countryside is another.

The dream of a house in the countryside – and more seclusion

Whether Cologne, Frankfurt, Hamburg, Berlin, Munich, Stuttgart or Düsseldorf – the rural areas around the major German cities are booming. There, one can combine the advantages of rural life with those of proximity to the big city: larger flats or houses with gardens, better access to childcare places and nature right on the doorstep, coupled with urban cultural offerings and medical care. Working from a home office also means that it is no longer necessary to drive into the congested city centre every day. This creates freedom and leisure.

Rising property prices reflect this trend. With the exception of Düsseldorf and Frankfurt, the prices of condominiums in the surrounding areas have risen more strongly on average since 2017 than in the metropolises themselves, according to a study by the Sparda banks and the Institute of the German Economy (IW) in Cologne. Moreover, it comes as no surprise that demand for the purchase of single-family homes in particular has risen sharply since the beginning of the pandemic.

A good infrastructure without ifs and buts

The small and medium-sized towns and municipalities benefit from the love of the countryside. But here, too, concepts are needed for the further development of structures. The expansion of public transport and connections to the metropolis, broadband internet and fibre optic cables, ensuring medical care and the expansion of kindergartens and primary schools are important criteria when it comes to choosing the right place to live.

In general, the “after” becomes a social and cultural task for society as a whole that goes far beyond commercial points of view.

Talking about commercial viewpoints: If you are interested in open market operations and how municipalities can benefit from the ECB’s cash injection, then continue listening or reading here.

Innovation Days: Playground and Pool of Ideas

Zwei Tage, sechs Arbeitsgruppen und jede Menge gute Ideen – das waren die Grundlagen für die Loanboox-internen “Innovation Days” bei denen vor allem eins im Mittelpunkt stand: Die Fremdfinanzierungs-Plattform für Kunden besser zu machen.

„Leute, ich bin aufgeregt“, schreibt Loanboox Schweiz-Geschäftsführer Andi Burri in den gemeinsamen Chat seiner Arbeitsgruppe. Noch eine halbe Stunde bis zur Workshop-Präsentation. Zusammen mit vier weiteren Kollegen und Kolleginnen hat er sich mit dem Thema „Emotional Design“ beschäftigt, also mit der Frage, an welchen Stellen der Finanzierungsplattform man die Kunden noch besser abholen könnte. Dazu hat das Team unter anderem Pop-Up-Fenster entwickelt, neue Buttons kreiiert und E-Mail-Benachrichtigungen überarbeitet. Jetzt wird noch letzte Hand an die Slides gelegt, denn natürlich will man die anderen von den eigenen Ideen überzeugen – am Ende der „Innovation Days“ soll schliesslich ein Gewinner gekürt werden.

Mut haben, auch mal “outside the box” zu denken

Auch die übrigen fünf, länderübergreifenden Gruppen haben die Zeit genutzt, um sich intensiv mit ihren jeweiligen Schwerpunktthemen auseinander zu setzen. Zum Beispiel, wie der Finanzierungs-Prozess mit einer digitalen Signatur wirklich komplett digital zu Ende gedacht werden könnte. Und welche Vorteile das für die Kunden hätte. Wie man Plattform-User untereinander besser vernetzen oder in welchen Bereichen sich Loanboox nachhaltiger aufstellen könnte.

Loanboox Workshop Innovation Days

Kreativität und Ideenreichtum sind, trotz der räumlichen Dinstanz, beachtlich. Und die Workshop-typschen Pizza-Orgien gibt es auch – nur eben daheim vor dem Bildschirm. Vieles von dem, was die Mitarbeitenden in den zwei Tagen entwickelt haben, wird umgesetzt werden. Kleinere, aber wichtige Quick Wins, wie die bessere Auffindbarkeit des Finanzierungs-Buttons auf der Plattform oder eine neue 404-Fehler-Seite sind es bereits.

The winner takes it all? Nicht in diesem Fall

Und wer macht am Ende das Rennen? Das Team, das mit einer einzigartigen Präsentation die Bedürfnisse möglicher Kapitalgeber aufzeigt und demonstriert, wie die Plattform entsprechend angepasst werden könnte. Doch ihren Erfolg und den damit verbunden Preis – ein Team-Event, wenn die Covid-19-Pandemie vorbei ist – wollen die Kollegen nicht alleine geniessen, sondern mit allen teilen.

Auch das ist gute Teamarbeit.

 

Wenn Sie mehr über Loanboox erfahren wollen, klicken Sie hier.

Investment in low interest rates: new banking services for institutional investors

Low interest rates and the Corona crisis pose challenges for institutional investors. Now it is time to redefine the investment strategy and examine possible options for action. Many diversification options and interesting returns are offered by lending to municipal and municipal-related clients.

So far, however, it has only been possible for insurance companies, pension funds and pension schemes to invest in loans to a very limited extent. In Germany, commercial lending is subject to authorisation under the German Banking Act (KWG) and is a classic banking business. To allow institutional investors to extend loans directly to municipalities, public utilities or municipal companies, Loanboox and Deutsche Kreditbank AG now offer digital banking services for fronting bank and paying agent.

Content of the webcast:

The developers present the new services in a webcast. They will show why an investment in the public sector asset class is worthwhile, what advantages the services Fronting Bank and Paying Agent offer and how the operational processing via the Loanboox platform works.

For whom?

The webcast is aimed at employees of insurance companies, pension funds and provident funds who are responsible for the area of capital investment.

The Webinar

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Coming Up: Finanzsymposium Mannheim

Coming Up: Finanzsymposium Mannheim

22. – 24. Mai, Mannheim: Loanboox leitet Workshop am 31. Finanzsymposium

Das jährlich stattfindende Finanzsymposium bringt Finanzverantwortliche aus Unternehmen mit Banken, System- und Nachrichtenanbietern zusammen. Für Sie als Besucher ist es eine hervorragende Gelegenheit, einen Marktüberblick über Banken, Systemanbieter und aktuelle Trends im Treasury zu gewinnen.

Das Programm bietet ein breites Spektrum an fachlich anspruchsvollen Themen aus dem Finanz- und Treasury-Management. Die Referenten sind Finanz-Manager bedeutender Unternehmen und Gäste aus Politik und Wirtschaft.

Zum ersten Mal gibt es am diesjährigen Finanzsymposium eine Innovation Area, ein Abschnitt in der Ausstellung, der für innovative Lösungen und Inhalte reserviert ist. Genau hier finden Sie Loanboox, am Stand 53.2. Nutzen Sie die Gelegenheit, eine Live-Demo der Plattform zu erhalten und mehr Informationen über Loanboox zu erfahren.

Neben der Ausstellung organisieren wir dieses Jahr zum ersten Mal einen Workshop, zusammen mit Vamed.

  • Wann: Mittwoch, 22.5. von 15.35 – 16.25 Uhr
  • Thema: Digitalisierung der Unternehmensfinanzierung: neue Ansätze und Anwendungsbeispiele.
  • Referenten: Thomas Konermann, Deputy Head of Structured Finance, Vamed und Christian Klumpe, Head International Roll-out, Loanboox

  • Wo: Raum Johannes Brahms
  • Wir freuen uns auf den Austausch mit Ihnen!

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