DigitisationMany people are online 24/7, and also when they are on the road. Offering your products and services online has become key to economic success.Many people are online 24/7 – increasingly using mobile devices. 36 million Germans use a smartphone today – that is almost half the population. People want to use the internet for things they used to go to stores, agencies or offices for – wherever they are. And even though mobile channels will not fully replace 'bricks and mortar', offering your products and services online has become key to economic success.More
What we seeThere was no let-up to the challenges Germany had to deal with during the year under review: environmental protection, participation, changing needs and voluntary commitment are four key topics, but of course not the only ones...More
Changing needsDemographic change, urbanisation and demand for new digital offerings are changing Germany.Changing needsMore
Sustainable growthSustainable business requires long-term thinking: this provides the foundations for growth that does not harm future generations. Sustainable growthMore
ParticipationIs there anything more important to participating in normal business life than having a bank account? ParticipationMore
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