That sounds like a regulatory advance, but it is above all a technological one. The entire scoring infrastructure now runs on AWS, including credit data. This was not a natural step for a company that operates with highly sensitive financial data. Kolitz emphasized that the switch was only possible because AWS now meets the European Sovereign Cloud standard. This would ensure innovation and sovereignty at the same time.
There is a sovereign failover for on-premises workloads, sensitive data remains controlled at European level. Nevertheless, Schufa benefits from the new AI models and scaling options, explained the CTO.
For Stefan Höchbauer, Kolitz’s keynote was a personal highlight. “This is a big project that requires infrastructure without compromise,” he commented on LinkedIn. By migrating to the AWS European Sovereign Cloud, Schufa is creating exactly that: a future-proof technological foundation, the basis for future regulatory requirements and a clear signal of trust, security and digital responsibility.
DKB: Don’t migrate, build new
Arnulf Keese, head of Deutsche Kreditbank (DKB), summed up the essence of a direct bank with six million customers and 4,400 employees with his statement – “Trust is binary”: Either the system works or it doesn’t work. The term “incident” in banking is not a technical problem, but rather a trust problem, he explained.
In 2025, the DKB decided not to simply migrate, but to build anew. The reason for this was that the legacy system was difficult to maintain, hardly sustainable and did not grow with the requirements. The DKB boss said that the decision to use AWS was not taken lightly, but it became clear that AWS offers the most comprehensive stack of services on the market. Keese summarized the result soberly: “Instant, no incidents. It just works.”
DKB now has access to new AI models via Amazon Bedrock – according to the manager, the number of available models has doubled in the last year alone. In addition, Keese reported, Bedrock AgentCore allows scaling processes to be automated without creating dependencies that would later become expensive.
