The challenge
Reorganizing a complex acceptance structure
Kreissparkasse Köln wanted to modernize its terminal business and strengthen its position in the merchant environment. However, the existing landscape of providers, contracts, and fee models was heterogeneous and had grown historically. Different technical integrations and process variants led to additional costs, a lack of transparency, and limited controllability. At the same time, the product and price offerings of its own sales department needed to be sharpened and further developed in a customer-oriented manner. The task was to strategically reorganize this complex situation.
The solution
Strategic realignment of sales
OSTHAVEN conducted a detailed analysis of the status quo of the payment acceptance landscape at Kreissparkasse Köln. Existing contracts, pricing and fee models, merchant portfolios, processes, and customer payment behavior were evaluated in a structured manner. On this basis, OSTHAVEN developed a strategy for the future orientation of the acceptance business, defined target visions, sharpened the requirements for providers, and prepared well-founded decision templates. At the same time, existing service provider contracts were negotiated in a structured manner and optimization potential was identified.
The result
Greater transparency and profitability
Kreissparkasse Köln was able to realize significant economic advantages through the strategic realignment of its acceptance sales and the renegotiation of key service provider contracts. The sales department received a more clearly defined range of products and services that is more strongly focused on the target groups. At the same time, internal competencies were built up, processes were made more efficient, and the foundation for a sustainable, scalable acceptance business was laid. Overall, KSK gained considerably in terms of transparency and controllability.
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