Düsseldorf / Leipzig, July 10, 2025 - Appsfactory Group, Germany's leading agency group for digital innovation, celebrates the official launch of “Joe Broker,” the new neobroker app from TARGOBANK. The app marks one of the important milestones on TARGOBANK's path to becoming a universal bank. It combines the perfect user experience offered by FinTechs with their apps with the security and reliability of an established bank. Appsfactory was largely responsible for developing the Joe Broker app and will also take over the operation of the neobroker's infrastructure.
“Joe Broker” is a central component of TARGOBANK's digitalization strategy. The app offers new customer groups attractive access to the traditional banking world – modern, intuitive, and forward-looking. Appsfactory developed the solution individually in close coordination with the TARGOBANK project team.
The app allows direct, self-determined trading of many different asset classes – including stocks, ETFs, derivatives, bonds, and funds – on five stock exchanges in near real time. The modern interface was designed with the customer in mind and appeals to both newcomers and experienced traders. Getting started is quick and secure with WebID or Postident. Personalized information supports users in their decisions.
Isabelle Chevelard, CEO of TARGOBANK, stated that with the launch of Joe Broker, the bank is reaching another milestone on its path to becoming a universal bank. She emphasized that access to securities trading through a trusted bank is now easier, more modern, and better aligned with the needs of their customers.
As an innovation partner, Appsfactory was responsible for the entire concept and technical implementation, including the development and operation of the native apps, the middleware for connecting to the custodian bank, and the landing page. More than 75 Appsfactory employees were involved in the project, around 25 of whom were permanent members of the core team. The project ran from design to go-live in less than three years (November 2022 to June 2025). Technically, the backend features a fail-safe microservice architecture that ensures stability and scalability. The apps were developed natively for iOS (Swift) and Android (Kotlin).
Dr. Alexander Trommen, CEO of Appsfactory Group, emphasized that the Joe Broker app demonstrates how established banks can successfully compete with fintechs by partnering with specialized digital agencies. He expressed pride in Appsfactory’s role as the TARGOBANK’s innovation partner in delivering such an ambitious and technically demanding project.
About TARGOBANK
TARGOBANK has almost 100 years of experience in the German banking market. It serves 3.8 million private, business, and corporate customers and employs around 7,400 people. To be close to its customers, TARGOBANK operates around 340 locations in more than 250 cities in Germany and is available online and by phone in its customer center around the clock. The bank thus combines the advantages of a digital bank with personal advice and excellent service in its branches and at customers' homes. As a subsidiary of the cooperative Crédit Mutuel Alliance Fédérale, one of the largest and financially strongest banks in Europe, TARGOBANK is a secure partner for its customers.
About the Appsfactory Group
The Appsfactory Group is Germany's leading digital agency for product development, design, consulting, and applications with more than 750 successfully implemented projects. In addition to Targobank, its customers in the financial sector include AOK, Allianz Insurance, Consors Finanz, FBTO, HUK24, Northern Trust, Rabobank, and Silicon Valley Bank—all of whom benefit from full-service expertise across the entire lifecycle of digital solutions. The Appsfactory Group attaches great importance to high-quality design and the integration of new technologies from the fields of artificial intelligence and platform operations. Appsfactory employs approximately 500 permanent staff from more than 45 countries in 10 offices in Germany, Moldova, and the USA. The company has ISO certifications for quality management (ISO 9001), information security (ISO 27001), and medical software development (ISO 13485) and is actively committed to digital accessibility in accordance with international standards such as WCAG.
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