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DRIFT idea and 100-day-program
Our innovation process, initiated by the “DRIFT” ideation round, is the basis on which projects are created and implemented in our build area. It usually starts with a rough idea, which is then turned into a pitch within four weeks, demonstrating the innovation potential and possible implementation of this idea. We carry out this process several times a year, both internally with all neosfer employees and externally with Commerzbank employees. The special thing about it is that several teams ultimately compete against each other and only the top pitches make it to the next round, the 100-day-program (incubation of the winning idea). In this program, we validate the business model or product behind the original idea and develop it into a functional prototype.
Wagebeam
Wagebeam is our project on the “Earned Wage Access” trend, which is already widespread, particularly in the UK and the USA. This refers to a financial service that enables employees to access a portion of their earned wages before the end of the respective payroll cycle.
NextGen Loop
The textile industry generates significant CO2 emissions and is characterized by a lack of transparency and recycling opportunities. Project Loop, a collaboration between neosfer, PwC and Canopy Planet, aims to become the leading platform for circular value chains. Through interviews with stakeholders along the textile value chain, our team was able to develop a prototype that promotes the use of secondary materials. Our goal is to make the textile industry more transparent and sustainable by involving innovative partners and creating scalable solutions.
IMPACT SOLUTIONS
In 2022, the IMPACT FESTIVAL gave rise to the IMPACT SOLUTIONS platform, a digital overview of solutions with around 100 partners for sustainable transformation for SMEs. The platform was subsequently expanded to include a free carbon footprint calculator for companies, a digital offsetting platform for CO2, biodiversity and plastic pollution and a knowledge blog. In 2023, IMPACT SOLUTIONS won the German Sustainability Award in the Online Platform category. The platform is now operated as a white label for Commerzbank AG and its business customers.
Virtual Reality/Metaverse
Just under a year before the AI hype, public interest in the topic of metaverse increased – reinforced by Facebook’s groundbreaking rebranding as Meta and the accompanying strong focus on VR & AR projects. We also took a look at the trend – from theoretical research and initial prototypes to a VR onboarding experience with Commerzbank.
Artificial intelligence
Of course, we couldn’t escape the hype surrounding AI either – which is why we tested the most common AI tools for various use cases and built proof-of-concepts (PoCs).
Green Energy Hub
The idea behind Green Energy Hub is to use Google’s Solar API and combine it with the expertise of Commerzbank AG to make the purchase of solar systems even easier and more lucrative for private individuals.
Lissi
Our first spin-off! In November 2023, the time had come – with Lissi GmbH, we spun off the first start-up from neosfer GmbH and are involved in it as neosfer as an investor. Our colleagues have been working on the “Digital Identities” project since 2020 and founded the IDUnion consortium as part of this. Since then, the team has been working on enabling trustworthy interactions with identity wallets, which is to be accelerated in particular by the new eIDAS2.0 regulation.
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