apoBank

Before working with NAVIT, apoBank relied on an outdated system for distributing paper meal vouchers. This process was not only time-consuming and inflexible, it also created a heavy administrative burden. The bank needed a modern, more flexible, and more sustainable solution.

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Deutsche Apotheker- und Ärztebank (apoBank) set out to introduce digital mobility solutions as quickly as possible, both to boost its appeal to employees and to phase out paper meal vouchers. After a thorough analysis of its requirements and the available providers, apoBank's project team ultimately chose NAVIT.

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apoBank's objectives

• Integration with the Persis HR system
• Reach all employees
• A simple, flexible app-based solution (Link auf gleiches Ziel wie "App-Lösung" im Original)
• Promote sustainable mobility
• No added burden on payroll accounting

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With NAVIT, apoBank fully replaced paper meal vouchers with a digital mobility budget that employees can use flexibly, based on their individual needs. Through the NAVIT app, employees now have access to the Deutschlandticket, public transport (ÖPNV), shared mobility, and a fuel and charging card.

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From analyzing the data exchange through the testing phase to final go-live: NAVIT was implemented within three months.

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NAVIT was implemented in under three months

Using the NAVIT API, apoBank was able to implement an interface to Persis that supports processes such as creating, changing, and deleting users in both real time and batch mode. From the perspective of apoBank's IT project team, NAVIT is a modern system that provides a flexible interface and meets a bank's strict regulatory requirements without limitations.

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A personalized communication campaign – including product presentations and training sessions – accompanied the rollout of the mobility budget to ensure successful onboarding for all employees.

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Improved Benefit Usage and Higher Employee Satisfaction

Internal measurements from apoBank's project team, as well as NAVIT platform data, show that over 95% of employees actively use NAVIT, according to apoBank, a marked increase from the roughly 50% who previously used the meal vouchers. Employees particularly highlighted the simple handling and the option to roll over unused budget.

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"More Than a Classic Fuel Card"

The mobility budget covers the full range of employee mobility and combines a number of attractive advantages:

• Card-based online payment as a modern solution
• Flexible ways to use the budget
• The opportunity for a more sustainable mobility solution

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"A Major Capacity Gain": 90% Time Saved on Benefits Administration

Thanks to NAVIT's digital solution and its integration with apoBank's own HR system, the bank reduced its administrative effort compared to handling meal vouchers from 112 to 9 person-days per year (Source: apoBank, internal measurement).

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A Tax-Free Salary Extra for Employees

By processing the mobility budget under the tax-exempt benefits-in-kind rules set out in § 3 No. 15 EStG (German Income Tax Act), the team was also able to save on non-wage labor costs while offering employees a tax-free salary extra.

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What apoBank Recommends to Other Companies

• Bring the right stakeholders into the project (e.g., the IT team as well)
• Provide thorough support for employees – NAVIT offers tailored communication campaigns and materials for this.

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"Thank you for the great collaboration during the rollout! We're thrilled by how many of our employees registered to use the app right after launch. The new digital solution has been very well received by our team."

Britta Ludowig Project Lead, apoBank

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