<aside> 💡 Explore how banks can design and integrate wallets with additional value-added services (Project 1) and identify smart implementation models for the future of banking (Project 2).

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Key facts

• Team size: 2 students (one student per topic)
• Workplace: Remote
• Compensation: Fixed fee + performance-based bonus ≈ 2.000€ - 3.000 €, per student/topic (details during onboarding)
• Weekly hours: 10-20h
• Project timeline: 24.10.2025 - 16.01.2026 (possible extension due to christmas holiday)

Roland Berger, one of Europe’s leading strategy consultancies, wants to explore the opportunities and challenges digital currencies present for banks. The research focuses on two interconnected but distinct topics:

1. Wallet Integration & Value-Added Services: How should banks design, integrate, and differentiate their digital currency wallets? What added services go beyond buzzwords and create tangible value for customers and banks alike? How do wallet models impact transaction data as a key asset for banks?
2. Implementation Models for Banks: What operational and commercial approaches make sense for banks to adopt digital currencies? How can implementation be achieved efficiently while ensuring compliance and customer benefit?

Students will work independently on one of these topics but exchange findings throughout the project. The final outcome will provide structured recommendations, case-based scenarios, and practical guidance for banks navigating the future digital landscape.

Project Details

Objectives:

• Analyze wallet models specifically in the context of digital currencies, focusing on integration with banking systems, customer experience, and implications for transaction data (Project 1).
• Develop a use-case catalog for value-added services beyond payments (Project 1).
• Explore operating and commercialization models for banks (in-house, partnerships, outsourcing) (Project 2).
• Assess cost structures, regulatory constraints, and alternatives to current market expectations (Project 1+2).
• Provide actionable recommendations for banks (Project 1+2).

Expected results:

The project will combine all research, analysis, and conceptual work into a Final Report and Presentation (per project) that provides banks with actionable insights and guidance. Specifically, the report should include:

1. Research & Analysis:
   • Overview of existing wallet models and implementation approaches with a clear focus on digital currencies.
   • Assessment of implications for transaction data, compliance, and customer experience.