We create great digital banking products, provide deep knowledge and have long-term customer relationships.

We design the next generation of digital financial solutions for banks and service providers.

Our outstanding digital portal, our payment and cash management solutions, the mobile banking apps and banking servers are internationally certified and have proven themselves at renowned banks and service providers mainly for their business, enterprise and corporate customers.


Since 1984 CoCoNet has been growing continuously. The CoCoNet group with their headquarters in Erkrath (Germany) and with subsidiaries in Warsaw (Poland) and Bucharest (Romania) is a main player in the European and worldwide market for digital channel solutions for banks.

CoCoNet will accompany their existing and new customers with reliable innovative short time-to-market solutions.



Your opportunity: Innovation.

With the one-stop-shop idea we support the important trends in the bank-to-customer relationship: easy-to-use functionality through convenient dashboards, personalized communication and functionality and target-oriented sales support. Our user-oriented product development creates omni-channel solutions that fulfill highest security demands.

The open architecture of our MULTIVERSA solutions with manifold interfaces provide numerous integration and innovation options – for connecting existing verticals and integrating upcoming demands on functionality, connectivity and interfaces in the bank’s digital landscape.


Our solutions: The MULTIVERSA product suite.

Digital Banking Portal



MULTIVERSA FIP Financial Integration Platform

  • One bank for the customer
  • Dashboard with modern UI
  • Application integration
  • Embedded functionality
  • Portal toolkits


Payments & Cash Management



MULTIVERSA IFP International Finance Portal

  • Comprehensive functionality
  • Multi-banking
  • Worldwide coverage (formats, languages etc.)
  • Dashboard with modern UI


Universal Communication



MULTIVERSA IBS International Banking Server

  • Universal high-end communication hub
  • Order Manager
  • Payment Factory
  • EBICS server



Our promise: Transparency and fairness for a successful collaboration.

The customers’ confidence in our integrity and competence is an essential prerequisite for the success of our products. Therefore, long-term relationships with our customers are centrally important to us.

Our customers regularly meet in specific User Groups. These industry workshops serve as a platform for exchange, discussion and the continuous, trend-setting, and cost-effective development of our solutions.

  • ISO 9001  Certification of quality management processes by TÜV Rheinland
  • ISO 27001 Information Security Management System (ISMS) by TÜV Süd
  • Mobile security Security analysis of MULTIVERSA Apps and MULTIVERSA Mobile Token App by TÜV Rheinland
  • Greenwich online services study Frequent benchmark of MULTIVERSA’s usability and functionality
  • Gartner analysis and consulting Rating of products and services by leading market experts

CoCoNet certificates