The banking explorers

Banking beyond borders


We “know” payments in all facets, from bank payments (SEPA, AZV, instant payments) to card payments and mobile payments. We provide answers to all challenges. In doing so, we take care of strategic issues and work on methodology, process and technology levels.


Anyone who thinks they can do things best alone is (hugely) mistaken. At Gravning, the team is not only at the centre, but is the decisive factor for success. We deliberately define the team broadly and include the employees of our clients, our partners and, in joint projects, other consulting firms.


We offer employees a long-term professional “home” and are committed to sustainable relationships with customers and partners. Furthermore, we want to live sustainability at all levels. The B-Corp certification was an important step, which will be followed by successive measures for this unique planet and for the people who live on it.

Our mission:

We see banking as a function and as a daily companion, not as an industry with rigid boundaries.

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We have set out to help transform and modernise banking for all stakeholders and to contribute our ideas. In this context, it is important to break through the boundaries of banking that have so far been perceived as rigid and to discover new areas. This must be considered from a functional, geographical and technical perspective and taken into account on the product side.

Guest article: Global Instant DLT Payments

Centiglobe is a Swedish fintech company with the purpose of empowering smart DLT cross-border payment solutions (Distributed-Ledger-Technology) to secure innovation and growth by connecting financial flows.

Are the challenges faced by banks as a result of the mandatory introduction of Instant Payments greater than expected?

Since October 2022 at the latest, it has been clear that the obligation for banks to offer Instant Payments is coming! The EU Commission has made this clear with its draft legislation. Are there any further or new findings and what are the real challenges facing banks and financial institutions today?

T2/T2S Migration Retrospective

It is Thursday 30 March and project staff from financial institutions and employees of Gravning are toasting a successful T2/T2S migration in their regular exchange round. The regular T2 exchange initiated by Gravning at an early stage was unanimous: the migration weekend and the migration with all its obstacles was successful.

Revival… of the fittest? What the Point of Sale has in store for us in 2023.

As 2022 draws to a close, we're already setting the stage for an eventful 2023. While regulation will once again keep many of us on our toes, I'm also eagerly anticipating the future composition of the payment mix. With the dawn of Corona and at the height of the...

Vilja – the Swedish cloud-native banking platform

Fintech vilja has been building a new and cost-efficient banking system for credit and deposit since 2007. Learn about some facets of the Nordic cloud-based fintech in this report.

The Instant Payment Quick Check

The link between regulatory Obligation and successful implementationThe real-time transfer (Instant Payment), which was equipped with the corresponding standard in the SEPA area in 2017, has now established itself in the German payment market. Instant payment, with...

StockRepublic is the Future of Social Trading

From the very beginning, we have shifted our focus to building bridges, and in this context discovered our passion for international fintechs. It started in autumn 2019 with our "Building Bridges" event as part of the Hamburg Fintech Week, where we invited fintechs...

European Collateral Management System ECMS – the next big bang?!

After the Target2 consolidation with ECMS, are the banks facing the next mammoth task?

Digital Euro – background and challenges of this project

Digital Euro – What is behind it and what challenges does this project face?

T2/T2S consolidation – where are Germany’s banks?

The “TARGET2/T2S Consolidation” project was launched by the Eurosystem back in 2017.

Events & Dates

Payment Transactions (ZV) Regulars’ Table

Date: November 9th, 2023
Location: Online
Time: 5 p.m

Register free of charge at

ECMS call

Date: Every last Monday of the month
Location: Online
Time: 3.45 p.m

Register free of charge at

Our crew makes us strong.

We are enthusiasts and explorers. In what we do, we believe in the compatibility of professionalism and fun. The crew is always at the centre of everything we do; it is our engine for success. Our fuel is the urge to find solutions and for this we are prepared to take unconventional paths. Curiosity, an out-of-the-box view and a true doer mentality are our constant companions.

We love the diversity and enjoy every day the unique characters and personalities that contribute in their own way to the success of the Gravning crew.

We are particularly proud of our expertise in payment transactions and the in-depth knowledge of our crew in all other areas of banking and project business.

We are looking for people who fit in with us.

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Contact details

Gravning GmbH
Lutterothstraße 50
20255 Hamburg


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