Click, check, pay –
that’s photo payment.
Welcome to the market leader in smart payments.
Turns wire transfers into a piece of cake.
In the past, brick-and-mortar bank branches knew their customers in person. In times of increasingly new players in the payment market, we at Gini ensure that the customer’s connection is never lost, shaping it even more direct, innovative, and profitable.
Digital services such as simple transfers by photo and PDF save time and delight customers. And these customers remain loyal to their bank and recommend their bank significantly more often.
More than 3 million
active photo payment users in September 2022 alone
More than 85,000 hours
saved time for users in one month through our automagic payments
2x increased usage
of bank customers opening their banking app
Mission easy payment
Paying bills as quickly as taking a snapshot.
Today’s customers have neither the time nor the desire for complex payment processes. This is why we have made paying as easy as shopping: click, select your bank account, approve, and done. We take care of the rest – completely automatically. Gini combines the knowledge from millions of extractions with the best AI – for the optimal user experience without using PayPal & Co.
Benefits for bank customers
Benefits for banks
Best in class
The unmatched #1 banking feature.
Gini Photo Payment is the mobile banking digital champion: unmatched in extraction quality, speed and security thanks to learning AI with the experience of over 50 million processing operations per year and the continuous optimization of hardware, software, and our proprietary OCR technology.
That’s why our convenient photo payment is also the favorite feature of all bank customers – after all, everyone deserves a magic moment.
52,000,000+ documents
scanned and processed in 2021
91% accuracy
at extracting the data
3 seconds
Processing time
2,456,000 users
monthly active users in 2021
Best extraction accuracy of the required payment information:
96.4%
IBAN
82.2%
Transfer
reference
91.1%
Recipient information
86.5%
Amount to pay
Benefits
Once the photo payment is in, the banking app got it down.
Next to the financial overview in the transaction list, photo payment is the second most used feature in banking apps. That means: photo transfer pushes banking app usage, interactions, time spent in the app, return rate, and downloads. And a sticky app is an important prerequisite for the bank to expand its service offering and attractiveness further.
1 try =
plus 26 touchpoints
Once customers have tried the Gini photo payment, they use it an average of 26 times a year.
In the best company
Best banks build on the best photo payment.
The Gini photo payment has been defining the new industry standard, powered by its uncompromisingly positive user experience and one-of-a-kind AI. Our technology works in the banking apps of almost all of Germany’s top retail banks.
5,03 M
minutes
83.821
hours
3.492
Days
saved time for all bank customers in one month
Base: 6,858,145 million transfers in September.
Average time required for a transfer until TAN approval:
a) by hand 1:13 min b) by photo transfer: 32 sec
