• slidebg1
    Senior Expert in eBusiness, Banking, CRM & Interims Management
    20+ years of project eXperience.
    I help clients minimizing the gap between technology and its audience.


I help clients to transform traditional business into an eWorld business proposition, from vision to go-live, from UX design to production, front to back, for Fintech startups and financial service providers.


I can add to your projects a superior level of skills in banking and financial services, in particular capital markets, corporate and retail client businesses.


I help clients to leverage capabilities to empower Customer Relationship Management - eCRM can become an integral part of your business processes.

My Vision And Mission

Innovation Leadership

Revolution or evolution? Together we transform ideas into innovation & innovations into measurable results.
Immaterial if you are a Fintech startup or a bank - my skills are becoming your competency. You matter!

Best Solutions & Approaches

Life can only be understood backwards but must be lived forwards! Together we'll design and implement your future-proof solution.

Team Work & Total Dedication

Social compentence, communication, emotional intelligence. I'm on it.


I'm a business driven Enterprise Architect and Digital Entrepreneur with more than 20 years experience and specialist knowledge of the financial service industry. I have helped clients to initiate, lead and implement new business propositions, global business transformations, business & IT roadmaps as well as target models.

I focus on business transformation within the financial services industry. In my opinion, the development of specific and distinctive value propositions for dedicated client groups & markets is the inevitable pre-requisite in order to create sustainable business models with a respective branding.

I'm acting as a true intermediator between business and IT being able to gather, optimise and define business requirements and create in conjunction with IT staff the optimal technical solution.

Flagship Project www.macooa.com

Distinctive Solutions - especially made for Small & Medium sized Enterprises
macooa - simply working better together

Business Innovation

"All-in-One" online suite for Small & Medium sized Enterprises comprising worktime management, project planning, cost benefit analysis, project controlling, business calculations and many more.

Modern HTML5/CSS3 Software & App

The solution is equipped with responsive design, interactive charts and more modern technology features. The software runs completely in a browser.


Usability is one the key principles in designing the macooa software suite.




Questions answered


Cups of Coffee


Happy Clients

My Work Portfolio

I do things differently! Together with your team we provide key digital services.
Focused on helping my clients to build a successful business proposition.

Core Skills

I meet and get to know you. You tell me and I listen.
In conjunction with your team we build your solution to realise your vision and we deliver the ready product.

Senior Subject Matter Expert in designing business processes and workflows within the financial services industry

Treasury, Capital Markets, Foreign Exchange & Money Market, FX Options, Liquidity Aggregation & Management, Risk & Position Management, Business Steering & Intelligence including Management Information methodologies and workflows, designing bespoke & customising white labelled solutions, CRM

Design of B2B & B2C electronic client interaction solutions

API based business processes, especially REST / JSON based machine-2-machine interaction

Fintech & startup mentality

Usability for eCommerce and electronic business workflows

Trading & Sales relevant business processes and workflows with special focus on digitising the value chains within the financial services industry

Senior Project Manager / Interims Manager / Scrum Master / Product Owner / Business Analyst in agile environments

  • Ralf Behnstedt

    I'm acting as a true intermediator between business and IT.
    Your project success is my commitment! You'll get what you see - total dedication to create your distinctive value proposition.

Contact Me

I look forward to hear from you.