Inside the laboratory of tomorrow’s bank Inside the laboratory of tomorrow’s bank



Technologies of the future such as blockchain, artificial intelligence and robotics are fundamentally changing the financial sector. The main incubator, a 100% subsidiary of Commerzbank, researches these technologies, uses existing solutions or develops its own for banking of the future.

The main incubator supports the Bank in its technological transformation via three routes:

  • Community Building: early identification of technology trends and understanding of their potential. This takes place via active networking of the main incubator, which is strongly rooted in the tech-scene with different models such as “Between the Towers”, TechQuartier, Meetups and Hackathons. The monthly event series “Between the Towers” was launched in 2014 and currently belongs to the leading startup event series in continental Europe.
  • Strategic investments in tech startups: the main incubator is one of the leading early-stage investors in technology-driven startups with a banking focus. When main incubator identifies young tech solutions that can have an added value for the bank and its customers, it invests in them. The innovative solutions are then made available to Commerzbank and its customers through cooperations.
  • Prototyping: the main incubator develops its own prototypes for new products and services on the basis of 12 technologies of the future such as blockchain, big data, machine learning and robotics. The DLT-lab is, amongst other things, one of the leading blockchain labs in Germany. It has been successful in piloting new technologies with the bank and customers such as KfW, SAP, Audi and thyssenkrupp – often as the first European bank to do so.