Business models consist of a variety of cross-departmental or cross-company activities that rely on different infrastructure, hardware, software and human intelligence. In order to reduce time-to-market cycles and costs, standardizable and repeatable activities can be grouped as services to enable the offering or obtaining of services via XaaS and to adapt business models and processes to individual requirements by mixing the use of internal and external services.

Instrumentalizing the advantages of XaaS requires a network of internal and external services as well as an active orchestration of services in order to provide customer-oriented, cost-sensitive and value-added services to the customer in a way that is profitable for the credit institution.

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