Financial Services of the future Financial Services of the future



neosfer (formerly known as main incubator) is shaping the digital & sustainable future in financial services, for Commerzbank and its customers. The innovation unit and early-stage investor is a 100% subsidiary of Commerzbank and researches digital and sustainable trends, innovations and technologies. This is the starting point for neosfer’s investments in startups with transformative ideas and the development of own solutions, which are then brought into the bank or its customers.

Across the following three areas, neosfer supports the bank and its customers in the sustainable and digital transformation:

  • Invest: neosfer deliberately invests in digital and sustainable startups that have the power to reshape financial services. Currently, neosfer has 23 active investments and with Grover also one “unicorn” (a company with a market valuation of more than 1 billion US dollars) in its portfolio. In addition to financial investments, neosfer supports founders with its network. The solutions of the portfolio companies are then used directly in the Commerzbank Group or by its customers in the corporate/business clients segment or other financial services providers.
  • Build: Driven by current trends and state-of-the-art technologies, neosfer develops its own prototypes for sustainable and digital solutions for Commerzbank, its customers and other financial services providers. These prototypes can be the starting point for neosfer’s own venture building projects, which show the economic viability of the original prototypes in conjunction with a functioning business model behind them.
  • Connect: neosfer acts as an important hub in connecting startups, investors and innovators. Through various community formats, it regularly brings the network together and promotes knowledge exchange. Its own formats include, for example, the monthly event series "Between the Towers", the "Talk Between the Towers" podcast and the IMPACT FESTIVAL. This way, neosfer actively contributes to the networking of important players in the entire Rhine-Main region and beyond.

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