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Our workbench

The Bankfactory. The workbench on which we build our banking products.

The Bankfactory is our production environment: a well-rehearsed team of specialised AI agents, a knowledge base built on 20 years of securities processing, a testing pipeline for every change and fixed approvals by experienced experts. It is where our securities core banking platform and every new product on it are built. For you, that means new products in weeks instead of months, on a platform that is already in production.

See the workbench
At a glance
  • Our workbench – not just a methodAgents, tools and workflows we build with every day. You get what is built on it – the workbench stays with us.
  • AI builds, people are accountableFive fixed human approvals in every cycle, every step in the audit trail.
  • Every project makes the next one fasterComponents, tests and decisions flow into a knowledge base – the factory learns.

What the Bankfactory is

  • Our workbench: the production environment on which we build our securities core banking platform and every new product
  • A team of specialised AI agents for concept, code, tests, documentation and infrastructure
  • A testing pipeline that automatically tests and checks every change
  • Steered by experienced engineers, with one dedicated contact person for you
  • A knowledge base built on 20 years of securities processing that grows with every project

What it is not

  • Not a product you have to license – you use what is built on it
  • Not merely a method or philosophy – tools, agents and workflows run every day
  • Not a black box – every line of code is visible, every decision documented
  • Not a replacement for experts – they decide, AI takes care of the routine
  • No dependency on one AI provider – the language model is interchangeable

The workbench

What's on the workbench

Six parts that work together – for every product, every change, every release.

01Agent team

Specialised AI agents for functional specification, domain model, code, tests, documentation and infrastructure – working in parallel.

02Knowledge base

20 years of securities processing: business rules, components, test cases and decisions. It grows with every project.

03Core banking toolkit

Framework ANGELA and Accounting Core. New products are created as configuration on top, not built from scratch.

04Testing pipeline

Automated tests and checks for every change – business logic, compliance, code.

05Control centre

People see exactly the points they need to decide on and give approval at five fixed gates.

06Delivery

Separate DEV · UAT · PROD environments, automated delivery, complete audit trail.

What is built on the workbench Securities core banking platformRetirement savings account in progressDigital onboarding in progressNew savings and deposit productsInterfaces for partners

The principle

We develop the foundation. You develop the difference.

Just like in the car industry: a new model doesn't reinvent steering, electronics and safety systems – the platform carries all that. Applied to banking: every new product is a new "model" on the same proven core banking platform. Only the difference gets built – and the Bankfactory builds it.

1 FOUNDATION · AUDITED UNDER IDW PS 860 Framework ANGELA Infrastructure, booking logic and regulation. Audited, audit-proof, the basis for everything above. 2 CORE FUNCTIONS Accounting Core Builds on the foundation and delivers what every product needs: accounts, postings, holdings, tax. 3 YOUR PRODUCTS Business models Your products – securities account, savings plan, overnight deposit, pension – build on the core functions, as configuration rather than a project. 4 AI LAYER · DEVELOPMENT AND OPERATIONS The Bankfactory AI agents keep developing the platform. Next, they will also work in day-to-day securities processing. Development · live since 2026 Processing · planned 2028 Built and operatedby DISACONDesignedby you
The traditional wayEvery idea a projectTicket with the software vendor, quote, queue – months until go-live.
With the BankfactoryEvery idea a configurationOn the existing platform, built by agents, approved by people – in weeks.

The process

From idea to operation – how an order moves across the workbench

Example: "We need a new savings product for families."

1 · HumanConversationThe Production Lead understands what you need.
2 · Human + AIConceptAI turns the conversation into a concept, the Production Lead sharpens it.
3 · AIDevelopmentAgents build in parallel: functional design, domain model, compliance, API, user interface.
4 · AITest & reviewAI tests every component; people review the flagged points.
5 · HumanProductionA human decides what goes live.
6 · HumanSupportThe Production Lead remains your contact person throughout the entire lifecycle.
Five human gates in every cycle ◆Product EngineerRequirement ◆Solution ArchitectArchitecture ◆Senior EngineerCode Review ◆QA EngineerRelease candidate ◆Release ManagerProduction

What it looks like today

People only see what they need to decide

AI checks every component, every test, every change. People review the flagged points in a targeted way and give approval at the fixed gates. Every decision is recorded in the audit trail.

Schematic illustration · green is handled by AI, gold is decided by a human

RequirementNew savings product for families
Automated testsall passed
Compliance check by AIno findings
Documentationupdated automatically
For human review3 flagged points
Production approvalwaiting for Release Manager

Why it gets faster

The bottleneck moves – so we industrialise the whole chain

Every faster machine shifts the bottleneck to the next station. The lead goes to whoever equips the whole chain with AI, from concept to production – not just one step.

Stage 1The machine arrivesAI agents write code in hours that used to take us days.Robots weld the car body in minutes instead of hours.
Stage 2The new bottleneckThe time saved went into reviewing all that new code.Cars pile up at final inspection, where each one is checked by hand.
Stage 3Review gets industrialisedAI tests and checks every component; people review defined points on a dashboard.Cameras and sensors check every car on the line – the inspector only looks at the flagged ones.
1Deliver the projectConcept, development, test, production
2Capture knowledgeComponents, tests and decisions in the knowledge base
3Agents learnmore known cases, more precise checking rules, better decisions
4Next projectstarts further ahead – the cycle begins again

The people in the system

Two roles that make the difference

Orchestrators

Like a conductor

They don't play every instrument themselves – they make sure the orchestra plays together.

  • At least two per development area – one can always step in
  • Steer the agents, decide the architecture, give approval
  • Deep domain expertise, few heads
Production Leads

Your dedicated contact person

From the first conversation to live operation – work that relies on trust stays with people.

  • Onboarding, coordination and support throughout the entire lifecycle
  • Write the implementation concept after every conversation – with AI
  • Process and client understanding rather than programming skills

"Whatever can be automated, AI takes over. Whatever needs trust stays with people."

What it means for you

Your benefits – today and in the next step

Weeks, not monthsNew products as configuration on the existing platform rather than as a custom project.
Tests and docs always up to dateThey are created with every change – not afterwards.
Built for supervisorsEvery decision and every agent step traceable; separate DEV · UAT · PROD environments.
One contact personThe Production Lead supports you from the first conversation to live operation.

Next step

From AI development to AI processing

The agents that build our software will also work in day-to-day operations – exceptions are still decided by people.

Reconciliation agentCorporate actions agentAllowance agentService agentMonitoring agentReporting agent

Questions & answers

Frequently asked questions about the Bankfactory

Does AI replace the developers?

No. At least two experienced developers work in each area. They steer the agents, decide the architecture and give approval. What goes away is the routine work.

How secure is code written by AI?

Every component is tested automatically. On top of that come fixed human approvals, separate environments for development, acceptance and production, and a complete audit trail.

What happens if a developer is unavailable?

Every area is staffed twice, and the knowledge sits in the knowledge base – not just in one person's head.

Can't anyone copy this?

Anyone can buy the tools. What you can't buy is 20 years of securities processing know-how, our knowledge base and a platform that is in production in a regulated environment.

Why are Production Leads needed?

Banks need a dedicated contact person who understands their requirements and guides them through the project. That is work built on trust – and it stays with people.

Does DISACON depend on a single AI provider?

The agents are connected via open standards. The knowledge base, code and processes belong to us – the language model behind them can be replaced.

Does this meet supervisory requirements?

Every decision and every agent step is documented in a traceable way. Compliance checks and human approvals are a fixed part of every cycle.

Do I have to buy the Bankfactory to benefit from it?

No. The Bankfactory is our workbench. You use what is built on it: our securities core banking platform and the products on top of it.

Our offer

The core renovation check

A conversation with one of our experts: an honest assessment of your securities processing. Free of charge and without obligation – at your premises, in our office in Montabaur or online.

  • Where your core system is holding you back today
  • What can be connected without migrating
  • Which path and which operating model suit you

Request a conversation by email

One click opens a prepared email to our team. We will get back to you with suggested dates.

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