• SuperApps digitalize administration, finance, and mobility
  • Foundation: reliable security technologies for authentication, chat, and payment
  • Success through a broad range of services and intuitive usage

Worms, December 5, 2024 – Digitalization in Germany is at a critical crossroads in 2025. Overburdened authorities and municipalities, along with a standstill in digital projects, are slowing progress – the country must catch up in many areas to remain internationally competitive. SuperApps play a key role in digitalization, a concept already established among billions of users outside Europe. According to a Gartner research analysis, by 2027, over 50% of the global population will use SuperApps daily. This megatrend offers Germany the chance to modernize various sectors with a unified digital ecosystem.

SuperApps - one platform for everything

A SuperApp combines various services on one platform – from governmental services to financial services, online shopping, messaging, and order services. Users can seamlessly access all features with just one login without leaving the platform. Already widespread in Asia (with key players including WeChat, Alipay, and Grab), SuperApps still have ground to gain in Europe, partly due to stricter data protection regulations. However, the necessary technologies and solutions are already in place, as demonstrated by KOBIL's OneApp4All™ platform, currently being implemented in Worms.

Ismet Koyun, CEO and founder of KOBIL, the only SuperApp provider in Europe: "Germany needs a digitalization boost. Especially now, with the upcoming early federal elections. The ambitious plans of the federal government under the digital strategy are more precarious than ever. But digitalization must not be neglected even in politically uncertain times. If we want to prepare our administrations, cities, and businesses for the future, we need quickly deployable, robust solutions. Without a SuperApp, Germany will not go digital."

SuperApps can digitalize Germany on various levels. Potential focal points include:

  • Cities and Municipalities: Digital administration means not just offering individual governmental services online. Comprehensive and bureaucracy-free e-government emerges when virtual administrative visits and smart city applications are combined with commercial and cultural online services on a single platform. The SuperApp becomes the central component of a digital administration and the first point of contact for digital life in the city, connecting people and local businesses. Integrated chat and payment functions make it easier for all users, further reducing bureaucracy.
  • Financial Sector: Banks and insurance companies, increasingly in competition with global technology corporations, can reposition themselves as service providers and establish their own digital marketplaces through a SuperApp. Their customers can manage accounts and policies, submit documents, and sign legally online. Consulting and customer service are provided directly within the app. Offers from third-party providers can be easily integrated.
  • Transportation: The recently enacted Mobility Data Law creates ideal conditions for a Mobility SuperApp. Providers must now make real-time data on buses, trains, taxis, carsharing, or charging stations for electric vehicles available. This allows planning, booking, and paying for everything in a single app.

SuperSecurity - Security as the Foundation for Digital Innovation

A SuperApp can only gain widespread acceptance if it creates trust through the highest security standards. This includes compliance with all legal requirements and data protection laws. User data must be protected and processed locally. Access should be limited to predefined devices. For users to confidently and bindingly engage on the platform, their digital identity must be verified securely and unequivocally upon registration. Only then can they enter into legally binding contracts and make secure payments within the app. Integrated communication should run through independent, encrypted chat channels. In general, closed system architectures are more robust and less vulnerable to cyberattacks than open-source systems.SuperConvenience - user-friendly and diverse offering

SuperConvenience - User-Friendly and Diverse Offerings

Usability is a prerequisite for SuperApps to become widespread. Successful applications are intuitive and barrier-free. It is important to find the right balance between data protection and convenience, for example, during registration: It must be secure, yet as straightforward and uncomplicated as possible. Otherwise, it becomes a barrier that deters potential users. Also, overly fragmented offerings lead to slow or scarce adoption. A prime example is the current digital governmental services like the AusweisApp. The low usage numbers show that fragmented digitalization is not promising. Acceptance and real value for citizens are created by combining as many services as user-friendly as possible. "An app that only covers individual services is not enough – previous experiences show this. Success lies in the diversity of the offerings and the ease of use. Therefore, the SuperApp is essential for the country's digitalization," emphasizes Ismet Koyun.

About KOBIL Group

The KOBIL Group is a global leader in digital identity and mobile security solutions. Founded in 1986 by Ismet Koyun, KOBIL develops innovative solutions for application protection, user authentication, transaction authorization, and more. It is the only company in the world that, with its technologies, enables comprehensive identity and mobile security management across all platforms and communication channels. KOBIL has been a pioneer in the field of data security and is a visionary in terms of cutting-edge security technologies. The latest innovation from this security specialist is the world's first OneApp4All™ for cities, which consolidates all identity options in one central location. KOBIL is Europe's only SuperApp provider (source: Gartner). Globally, more than 1,000 companies trust KOBIL, including the German government, Airbus, DATEV, Raiffeisen Bank, Commerzbank, Erste Group, ING, Migros Bank, Mastercard, and Siemens. KOBIL employs over 500 staff, with its headquarters located in Worms, Germany. It has additional branches in San Diego and San José (USA), Zurich (Switzerland), Istanbul (Turkey), and London (United Kingdom). For more information, visit www.kobil.com.

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