Munich, Oktober 21st 2025. According to a recent Gini study, 89.9 per cent of Germans now use online banking. For many bank and savings bank customers, this makes everyday banking easier. However, it also involves protecting highly sensitive data, which is crucial for integrated FinTechs. This is a key focus of Cyber Security Month in October. Gini, as a provider of AI-based solutions for banks, insurance companies and e-commerce, rely on highly secure technical infrastructure. By using certified, highly available data centres in Germany — particularly in these politically uncertain times — the company is strengthening the resilience and future viability of its digital solutions. This also applies to its popular photo payment feature.
Gini’s photo payment feature has been integrated into the banking apps of numerous German banks and savings banks. This allows users of mobile and online banking to easily scan and pay bills or transfer forms using their smartphone camera. This means that they no longer have to manually enter the IBAN, amount or purpose of payment. This user-friendly function relies on a highly secure and stable infrastructure that must be available at all times. To enhance security further, Gini relies on a strategic infrastructure concept involving professional server housing in partnership with certified German colocation providers, including SpaceNet, WIIT and STACKIT.
Five core principles of the Gini infrastructure strategy
- High availability & redundancy
Gini operates its digital services with guaranteed availability of 99.5% – essential for payment transactions. The data centres themselves have network availability of up to 99.99%, and are designed to handle maximum loads. Secure power and network systems are in place to ensure guaranteed access in the event of an emergency. - Certified security & compliance
All infrastructure locations adhere to the strictest security and data protection standards. These include international standards such as ISO 27001, as well as the rigorous requirements of the BSI (C5 certification) and the EU General Data Protection Regulation (GDPR).
In addition, Gini relies on a zero-trust security model, whereby access to systems and data is managed and monitored continuously, with strong encryption and authentication procedures in place. This ensures that only authorised individuals can access sensitive information. - Site selection with risk minimisation
Gini exclusively hosts in German data centres that are certified according to DIN EN 50600. These centres are located in regions that are considered to be at low risk of natural disasters, such as earthquakes or floods. This location strategy protects against both natural disasters and geopolitical risks. - ESG-oriented infrastructure & energy efficiency
Sustainability forms an integral part of Gini’s IT strategy. The company focuses on energy efficiency and resource conservation, among other things. Environmental criteria are also considered when selecting partners and hardware, such as durable, modular systems. - Disaster Recovery and Wiederanlaufstrategie
Rather than relying on costly, constantly active geo-redundancy, Gini uses an efficient disaster recovery approach. The aim is to provide a functioning system at an alternative location within a few hours in the event of a major failure. Preconfigured disaster recovery setups can be activated flexibly on cloud or co-location platforms, such as STACKIT or Telekom Cloud, as required. This reduces running costs and enables a customisable recovery strategy. The disaster recovery environment includes secure backups, automated infrastructure provisioning (Infrastructure as Code, or IaC) and prepared deployments of core systems, enabling business operations to resume quickly and independently of location.
Infrastructure as the backbone of innovation
Gini’s infrastructure decisions are closely linked to its product portfolio. The smooth functioning of photo payment, which are now standard in many mobile banking apps, is based on these technical foundations. Stable and scalable systems enable the reliable processing of millions of transactions. Other features, such as intelligent document recognition, automated account-to-account payments, and e-commerce payment transactions, also benefit from modern server architecture.
„Data security and data sovereignty are becoming increasingly important assets and economic factors. Gini provides insurance companies and banks with solutions that simplify bureaucratic processes, making everyday life easier for users“, said Alexander Jäger, CEO of Gini GmbH. „For us, it is essential that these solutions meet the highest data security requirements and guarantee the greatest possible independence. This is why we are investing in and continuously expanding our technical infrastructure.”
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*The data in this survey is based on online interviews with members of the YouGov panel who agreed to participate in advance. A total of 2,009 people were surveyed between 3 and 5 September 2025. The survey was quota-weighted by age, gender, and region, and the results were weighted accordingly. The results are representative of the resident German population aged 18 and over.
