KOBIL

KOBIL is a global provider of digital identity and mobile security solutions founded in 1986. The company develops technologies for application protection, user authentication, and transaction authorization across multiple platforms and communication channels.

KOBIL's flagship offering is the KOBIL Secure SuperApp (OneApp4All), a digital platform designed for banks, insurance companies, and other organizations to create their own digital ecosystems. The platform consolidates multiple services, including third-party offerings, into a single application accessible through verified digital identity via smartphone.

The SuperApp enables financial institutions to manage accounts, process payments and loans, handle document submission and signing, and integrate external services such as fitness programs, health records, and customer service chat.

The company's security architecture includes 14 layers of data protection, Advanced Encryption Standard (AES) encryption, device-restricted access, online integrity checks, and real-time software monitoring. The platform incorporates virtual smartcard technology for secure storage and use of digital certificates.

KOBIL's solutions comply with GDPR, German Federal Data Protection Act, IT Security Act, and industry-specific regulations including PSD2, Insurance Supervision Act, Banking Act, and Payment Services Supervision Act.

KOBIL serves over 1,000 organizations globally, including government agencies, financial institutions, and enterprises such as Airbus, DATEV, Raiffeisen Bank, Commerzbank, ING, Mastercard, and Siemens. The company employs over 500 staff with headquarters in Worms, Germany, and offices in the United States, Switzerland, Turkey, and the United Kingdom.