The topic of digitization is on everyone's lips today and is driven by many startups and fintechs. This goes hand in hand not only with far-reaching process-optimizing changes, but also with some regulations. The implementation of the focal points internal and external process optimization, improved communication and cost-cutting measures pose a challenge, but should have the highest priority. Even if those points require complicated and expensive development phases, they should nevertheless be taken to secure a strong position in the market.