d-fine

d-fine GmbH is a European consulting firm with a focus on complex analytical issues. As of 2022, we have more than 1,250 employees whose science backgrounds enable them, with a high level of accountability, to find future-proof solutions that are implemented in the form of sustainable technologies. Thanks to this level of specialisation, d-fine enjoys a favourable position and was placed among the Top 10 management consulting firms in Germany in 2022.

In 2022, d-fine GmbH had subsidiaries in the UK (d-fine Ltd), Austria (d-fine Austria GmbH) and Switzerland (d-fine AG). In the same year, we also set up two new subsidiaries – d-fine AB in Sweden and d-fine s.r.l. in Italy.

As you would expect from a management consulting firm, d-fine does not make products in the usual sense. The actual ‘product’ is our consultants’ expertise, which we provide to our clients as a service.

We cover everything from strategy & governance, methods & simulations and data & analytics to processes & technology. Current areas of focus include the implementation of regulatory requirements, digitalisation, data analysis, risk management and sustainability. Our services are designed primarily for banks, insurance companies, asset managers, industrial companies, the energy industry, mobility service providers, the public sector and the healthcare industry. Examples of the services offered by d-fine include:

• Implementation of new regulatory requirements for methods, processes and IT, including those stipulated by the Corporate Sustainability Reporting Directive (CSRD), the Sustainable Finance Disclosure Regulation (SFDR) and the German Financial Supervisory Authority’s minimum requirements for IT for banks, insurance companies and asset management companies (B/V/KAIT)
• Creation of global data lakes and data lakehouses for efficient digital data processing
• Automation of processes using BPM platforms
• Use of AI for data analytics, data extraction and communication
• Implementation of modern data and risk management landscapes
• Implementation of sustainability management methods and processes
• Specialist architecture and implementation of sustainability reporting in accordance with the CSRD and SFDR
• Creation and implementation of financial supervision solutions                                                                     

While the previous decade was defined by the introduction of regulatory requirements for banks, insurance companies, industrial businesses and asset managers, there has been a noticeable change in recent years. Because of its impact on business models, processes and information technology, the concept of ‘digital transformation’ is assuming an ever greater role. This can involve major transformation processes for our clients that can take several years as well as smaller-scale, labour-intensive preliminary studies or pilot projects in the short term. In this context, a clear trend towards the use of artificial intelligence has emerged.

Sustainability is another topic that has become a new megatrend as far as our projects are concerned. We advise our clients on such matters as sustainable finance, sustainable investing, greenwashing, ESG (environment, social, governance) ratings, climate risk and CSRD and SFDR reporting.

Over the long term, d-fine will continue to capitalise on the trend of the ever-increasing demand for analytical and technological expertise from a single source and the extent to which we already possess this. We see our future assured in the form of the provision of our services to our clients and by means of the recruitment of young people with these extremely sought-after skills and backgrounds.

We have been climate-neutral since 2019 and publicly committed to achieving net-zero targets under the Corporate Net-Zero Standard of the Science Based Targets initiative (SBTi) in 2021. In 2022, we also began the process of setting up a dedicated Sustainability team.

While preparing our sustainability reporting process in accordance with the German Sustainability Code (DNK), we aligned ourselves with the GRI SRS and used the EFFAS KPIs wherever appropriate to our business model. We also adhere to Germany’s National Action Plan, which serves to implement the United Nations Guiding Principles on Business and Human Rights.