Over the last 12 months, the banking community has been confronted with many new challenges that have gone towards shaping the financial sector as we know it today: a stable low interest rate environment, ever-changing financial governance, the increasing trend towards digitalization and many new financial start-up organizations, otherwise known as FinTechs. TXS has conducted a series of roundtable discussions with its clients, business partners, financial associations and other banks to ascertain what the outlook for the availability of long-term and secured funding may look like over the coming decade and beyond: What are the likely key factors affecting the global financial markets and banks’ funding strategies and activities? How significant is the German and Austrian Pfandbrief market likely to be in 2025 and beyond? Will there be a “European” Covered Bond issuance? How will digitalization and FinTechs affect the financial services marketplace? From the findings of this market study, TXS is developing its software, so that it will still remain a specialist in software and consultancy services, but providing its new and existing clients with improved long-term solutions that can meet the rigours of the new financial environment. In the last 12 months, TXS has acquired 2 new clients for its TXS Pfandbrief product, a new client for the TXS Funding Register product and a new client for our software product platform CAM (Collateral Allocation Management) and TXS KEV which will allow the client to efficiently optimize and process their loan application processes. TXS has also licenced 2 new clients in the United Kingdom and Argentina for our securitization product SAP Funding Management 3.0. Today TXS has more than 90 clients worldwide that use our products for their funding business activities.