A holistic security concept for banks integrates physical security measures, fire alarm systems, IT security and organisational processes into one coherent protection system. It takes account of current threats such as cyberattacks and physical raids and ensures compliance with statutory requirements such as BAIT, KRITIS and DORA. Independent planning is decisive here for a manufacturer-independent, optimised implementation.

Strategies and independent planning for financial institutions in 2026

An isolated approach is no longer sufficient. Find out how a comprehensive security concept makes your bank fit for the future, and what role independent planning plays in this.

Key Takeaways

  • A holistic security concept is essential for banks to protect themselves effectively against multi-layered physical and digital threats and to ensure business continuity.
  • Compliance with strict regulatory requirements such as BAIT, DORA, KRITIS and relevant standards (e.g. DIN 14675, VdS 2095) is mandatory for financial institutions and requires expert, independent planning.
  • PLANATEL® has offered manufacturer-independent expertise as an independent planning and consulting provider for over 34 years, to develop and implement tailored, future-proof and legally compliant security concepts for banks.

From sophisticated cyberattacks to physical raids and internal risks, the complexity of security requirements is growing exponentially. A fragmented approach that considers individual security aspects in isolation is no longer viable today. To protect assets, sensitive data and the trust of customers and partners sustainably, a holistic security concept for banks is essential. PLANATEL® has been supporting financial institutions in mastering these challenges since 1992, with manufacturer-independent expertise and over 34 years of experience.

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The multi-layered threat landscape facing financial institutions

The security situation for banks and other financial service providers is more dynamic and demanding than ever. Threats extend far beyond traditional break-in attempts and encompass a broad spectrum of risks that can act from both outside and inside. Cyberattacks are a particular focus, steadily increasing in frequency and sophistication. According to a report for the first half of 2025, 40 percent of all repelled cyberattacks were directed at banks and other financial service providers. Total damage from cybercrime in Germany for 2025 is estimated at around EUR 202.4 billion, an increase of roughly 20 percent over the previous year.

These attacks manifest in various forms: from ransomware that encrypts data and demands a ransom, through phishing and spear phishing aimed at obtaining sensitive access credentials, to distributed denial-of-service (DDoS) attacks that impair the availability of services. Particularly concerning is the use of artificial intelligence (AI) by cybercriminals to create deceptively genuine phishing emails or even to manipulate database entries in a targeted way (data poisoning).

Alongside digital dangers, physical threats remain relevant. These include classic bank raids, attacks on ATMs (e.g. explosive attacks or skimming), vandalism and unauthorised access. Internal risks, such as human error, negligence or deliberate criminal acts by employees, must also not be underestimated. A comprehensive security strategy must take all of these dimensions into account and link them together to build a resilient line of defence.

Core pillars of an integrated security concept

A truly holistic security concept for a bank goes beyond the sum of individual measures. It is an integrated system that seamlessly links physical, technical and organisational components to ensure gapless protection. The core pillars of such a concept include:

  • Physical security systems: These include intrusion detection systems (EMA), video surveillance systems, access control systems and mechanical security fittings. These systems protect buildings, premises, vaults and sensitive areas from unauthorised access, theft and vandalism.
  • Fire alarm systems (BMA): Planning and installing fire alarm systems in accordance with DIN 14675 and VdS 2095 is decisive for detecting fires early, evacuating people and minimising material damage. They form an integral part of protecting infrastructure and data.
  • IT security: This area covers measures to protect networks, data and applications from cyberattacks, data loss and system failures. This includes firewalls, intrusion detection/prevention systems, encryption technologies, regular backups and robust identity and rights management.
  • Organisational measures: These include security policies, emergency and crisis management plans, regular staff training for security awareness, as well as clear responsibilities and processes for handling security incidents.
  • Security management systems (GMS): These systems integrate the various security systems into a central platform that enables coordinated monitoring of, and response to, all types of hazards.

Effectively linking these elements creates synergies that significantly increase overall security. Looking at individual components in isolation would inevitably leave weak points that attackers could exploit.

The role of fire alarm systems and evacuation systems in the banking environment

As part of a holistic security concept for banks, fire alarm systems (BMA) and voice alarm systems (SAA) play an outstanding role that goes far beyond pure site protection. They matter not only for protecting the physical infrastructure and the assets stored within it, but also for the safety of employees and customers and for preserving business-critical data and IT systems. A fire can not only cause immense material damage but can also paralyse business operations and destroy sensitive data, which would have catastrophic consequences for a financial institution.

Planning and installing fire alarm systems in banks must strictly follow the applicable standards and guidelines, in particular DIN 14675 and the VdS 2095 guidelines. DIN 14675 defines the requirements for the design and operation of fire alarm systems and voice alarm systems and sets out the qualification requirements for specialist firms. VdS 2095 specifies these requirements for automatic fire alarm systems and provides detailed guidance for planning, installation and the use of innovative detection technologies, including the integration of content from DIN VDE 0833-2.

PLANATEL® plans fire alarm systems that ensure early and reliable fire detection. This includes the selection of suitable detector types (e.g. smoke, heat or multi-sensor detectors), precise placement according to spatial conditions and usage profiles, and integration into overarching security management systems. Planning also takes account of triggering evacuation systems (SAA), to enable a fast and orderly evacuation of the building in the event of fire. Professional planning ensures that the BMA is not only legally compliant but also optimally matched to the bank's specific risks and protection objectives.

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Integrating access control, intrusion detection systems and video surveillance

Effective control of the flow of people and monitoring of building areas are fundamental pillars of a bank's physical security. Integrating access control systems, intrusion detection systems (EMA) and video surveillance creates a multi-layered defence that acts both preventively and, in an emergency, enables a fast and targeted response. PLANATEL® designs these systems so that they mesh seamlessly, offering maximum security together with efficiency.

Access control systems govern who is granted access to which areas, and when. In a banking environment, this means precisely controlling access to teller areas, vaults, server rooms, offices and other sensitive zones. Modern systems use various authentication methods such as RFID cards, biometric procedures or PIN codes. Planning by PLANATEL® includes defining authorisation profiles, setting time zones and logging every access event, to ensure gapless traceability.

Intrusion detection systems (EMA) detect unauthorised entry and trigger alarms in an emergency. They are designed to recognise tampering attempts and minimise false alarms. Planning an EMA takes account of the building's specific weak points, the value density of the protected areas and the required alarm strategy, including connection to an emergency and service control room. Compliance with VdS guidelines is decisive here for effectiveness and recognition by insurers.

Video surveillance systems supplement these systems with visual monitoring and documentation. High-resolution cameras with intelligent analysis functions can detect suspicious activity, identify people and deliver live images to the security centre in the event of an alarm. PLANATEL® plans video surveillance systems that cover strategically important areas, optimise image quality for forensic purposes and, at the same time, meet data protection requirements (in particular the GDPR). The intelligent linking of these systems - for example, automatically activating a camera when an access attempt is made at an unauthorised point - significantly increases the effectiveness of the overall security concept.

Security management systems (GMS) as the central intelligence

The true strength of a holistic security concept only unfolds through the intelligent networking and central control of all individual systems. This is where security management systems (GMS) come in. A GMS is the central intelligence that brings together and visualises all security-relevant information from fire alarm systems, intrusion detection systems, access control systems, video surveillance and other technical systems, enabling a coordinated response. Without such a system, the individual components would act in isolation, which could lead to information silos and delayed or ineffective responses.

PLANATEL® plans GMS solutions tailored specifically to the complex requirements of financial institutions. This includes developing a bespoke user interface that gives security officers an intuitive and rapid overview of the current security situation. In the event of an alarm, the GMS delivers all relevant information at a glance: Where exactly was the alarm triggered? Which cameras are nearby? Which access points need to be locked? Which evacuation routes are affected? This rapid provision of information is decisive for planning critical situations effectively and minimising damage.

A further benefit of a GMS is the automation of alarm plans and escalation processes. In the event of a fire alarm, the system can, for example, automatically alert the fire brigade, unlock doors in escape routes, control ventilation systems and activate the voice alarm system. In the event of a break-in attempt, it can swivel video surveillance towards the affected area, switch on lighting and inform the police. Central control and automation reduce human error and significantly shorten response times. Independent planning by PLANATEL® ensures that the GMS is selected on a manufacturer-neutral basis and optimally integrated into the existing infrastructure, to guarantee maximum efficiency and future readiness.

For financial institutions, compliance with statutory requirements and sector-specific standards is not merely a matter of due care but an existential necessity. Regulation in the financial sector is particularly dense and complex, since banks are regarded as operators of critical infrastructure (KRITIS) and handle highly sensitive data. Non-compliance can not only lead to substantial fines and reputational damage but can also jeopardise the licence to operate. In its planning, PLANATEL® ensures that every aspect of the security concept complies with the current legal framework.

Central regulatory frameworks in Germany are the Supervisory Requirements for IT in Financial Institutions (BAIT) issued by BaFin, which are based on section 25a (1) of the German Banking Act (Kreditwesengesetz, KWG) and set out a framework for managing IT resources and IT risk. Although BAIT was largely superseded in January 2025 by EU Regulation 2022/2554, known as DORA (Digital Operational Resilience Act), it remains relevant for certain institutions during transition periods lasting until January 2027. DORA significantly extends the requirements for digital operational resilience and affects many companies in the financial and insurance sector.

In addition, banks are affected by the KRITIS Regulation and the BSI Act, which oblige operators of critical infrastructure to take comprehensive measures to ensure the availability, integrity, authenticity and confidentiality of their IT systems. This includes, among other things, implementing attack detection systems and reporting security incidents to the BSI. The German Anti-Money Laundering Act (GwG) also places high demands on banks' prevention systems, as BaFin further clarified in its guidance from December 2025.

In the area of fire alarm systems, DIN 14675, DIN VDE 0833 and the VdS 2095 guidelines are decisive. Specific VdS guidelines must also be observed for physical security systems such as intrusion detection systems. PLANATEL®'s independent expertise is decisive here to guarantee legally compliant, future-proof planning that takes account of all relevant national and European requirements and protects the bank from possible sanctions.

The importance of independent planning and consulting by PLANATEL®

The complexity of modern security infrastructures in banks requires a planning and consulting service that goes beyond what any single system manufacturer can offer. This is exactly where PLANATEL®'s core competence comes in: since 1992, we have offered 100% manufacturer-neutral and financially independent planning and consulting. This is a decisive advantage for financial institutions, as it ensures that the recommended solutions are based solely on the bank's actual needs and protection objectives, not on the sales interests of a particular provider.

Without independent advice, there is a risk that banks invest in solutions that are not optimally tailored to their specific requirements, that lead to unnecessary dependency on a manufacturer, or that cause higher operating costs in the long term. PLANATEL® acts as your independent partner, surveying the entire breadth of the market and identifying the best technologies and concepts that fit perfectly with your infrastructure and your budget. Our more than 34 years of experience in planning complex IT, telecommunications and security systems, in particular for financial institutions, enables us to identify risks early and to develop innovative, future-proof solutions.

Our services include the detailed needs analysis, the development of target concepts, the preparation of tender documents and support with implementation through to acceptance. We ensure that the selected installers are certified and that the installations meet the highest quality standards and all relevant norms. Thanks to our independent position, we can also create significant added value in contract and cost optimisation, by bringing transparency to the procurement process and negotiating fair terms for our clients. This leads to more efficient use of investment and a security infrastructure that is optimised for the long term.

Developing a bespoke security concept - the PLANATEL® approach

An effective holistic security concept is never an off-the-shelf solution; it is always the result of a detailed analysis and bespoke planning. The PLANATEL® approach follows a proven phase model that guarantees transparency, efficiency and compliance with the highest quality standards. Our goal is to develop a security concept that not only addresses current threats but is also flexible enough to withstand future challenges.

  1. As-is analysis and needs assessment: We begin with a comprehensive analysis of your existing security infrastructure, your business processes and your bank's specific risk situation. This includes assessing existing systems (fire alarm systems, intrusion detection systems, access control, video surveillance, IT security), organisational workflows and the current state of legal compliance. In close coordination with your specialist departments, we determine the concrete protection requirement and define clear protection objectives.
  2. Target concept and detailed planning: Based on the needs analysis, we develop a detailed target concept. This describes the optimal security architecture, the selection of suitable technologies and systems (e.g. specific fire alarm systems in accordance with DIN 14675, integrated access control solutions, security management systems) as well as the necessary organisational measures. Detailed planning includes technical specifications, interface descriptions and the preparation of specifications of services.
  3. Tendering and award: As independent advisers, we prepare transparent, manufacturer-neutral tender documents. We support the entire award process, from selecting qualified and certified installer firms through to evaluating the bids and making an award recommendation. Our focus here is on selecting the technically and economically best solution for your bank.
  4. Implementation support and project management: During the realisation phase, we take on professional project management. We coordinate the various trades, monitor compliance with the time and cost frame, and ensure that the installations meet the plan specifications and quality standards.
  5. Acceptance and documentation: After the installations are complete, we carry out a careful acceptance procedure, including operational-principle tests, to ensure the full functionality and legally compliant implementation of all systems. Comprehensive documentation is a matter of course.
  6. Optimisation and lifecycle management: Even after commissioning, we remain at your side for the continuous optimisation of your security infrastructure. This includes planning maintenance concepts, evaluating new technologies and adapting to changing threats and regulatory requirements.

With PLANATEL®, you gain an experienced partner who guides you through this complex process and ensures that your holistic security concept for banks achieves the highest effectiveness not just on paper, but in practice.

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Next step

Contact us for a no-obligation initial conversation.

PLANATEL®: Independent planning and consulting since 1992
Tel: 040 / 23 73 02-30
Email: info@planatel.de

Frequently asked questions

What statutory requirements must banks observe in the area of IT security?

Banks must observe a wide range of statutory requirements in the area of IT security. These primarily include the EU regulation DORA (Digital Operational Resilience Act), which has governed digital operational resilience since January 2025 and largely supersedes the previous BAIT requirements. The BSI Act and the KRITIS Regulation are also relevant, since banks are regarded as operators of critical infrastructure. The GDPR for data protection and the Anti-Money Laundering Act (GwG) also place high demands on IT systems and processes.

How does PLANATEL® help banks select the right installer for security systems?

PLANATEL® supports banks comprehensively in selecting the right installer. After detailed planning and the preparation of manufacturer-neutral tender documents, we support the entire award process. This includes identifying qualified and certified specialist firms, evaluating their bids on the basis of technical suitability and economic efficiency, and making an award recommendation. Our independence ensures that you get the best partner for installing your fire alarm systems, intrusion detection systems or other security systems.

What is a security management system (GMS) and why is it important for banks?

A security management system (GMS) is a central software platform that integrates and visualises all of a bank's security-relevant systems (e.g. fire alarm systems, intrusion detection systems, access control, video surveillance). It is decisive for banks because it enables coordinated monitoring, rapid provision of information, and an automated response to all types of hazards. This reduces human error, shortens response times and significantly improves the overall efficiency of security management.

What advantages does manufacturer-neutral planning of security systems offer financial institutions?

Manufacturer-neutral planning offers financial institutions considerable advantages. It ensures that the selected systems are optimally matched to the bank's specific needs and protection objectives, without being influenced by the interests of a particular manufacturer. This avoids unnecessary dependency on a manufacturer, enables the selection of the technically and economically best solutions on the market, and leads, in the long term, to cost optimisation and greater flexibility for future adjustments and expansions of the security infrastructure.

How does PLANATEL® deal with the rapid development of cyberthreats?

PLANATEL® meets the rapid development of cyberthreats through continuous market observation, ongoing training, and the integration of the latest findings into our planning processes. We analyse current attack vectors, such as AI-assisted attacks or ransomware developments, and advise banks proactively on implementing robust IT security architectures. Our concepts are designed to react flexibly to new risks and to sustainably strengthen the digital resilience of financial institutions.

What are the biggest cyberthreats for banks in 2026?

In 2026, the biggest cyberthreats for banks are ransomware attacks that encrypt data and demand a ransom, as well as highly developed phishing and spear-phishing campaigns. AI-assisted attacks, aimed at data poisoning or circumventing security mechanisms, are also increasingly being observed. DDoS attacks also remain a relevant threat to service availability.

What role do fire alarm systems play in a security concept for banks?

Fire alarm systems (BMA) are a critical part of a bank's security concept. They serve for early fire detection, protecting employees and customers through evacuation, and preserving buildings, IT infrastructure and sensitive data. Planning follows strict standards such as DIN 14675 and VdS 2095, to ensure the highest reliability and legal compliance.

What is DORA and how does it affect the security of banks?

DORA (Digital Operational Resilience Act) is an EU regulation that has governed the digital operational resilience of financial undertakings since January 2025. It largely replaces BAIT and sets comprehensive requirements for managing IT risk, reporting cyber incidents, and ensuring business continuity. DORA compels banks to further strengthen their IT security strategies and processes.

Why is independent advice important when planning security concepts for banks?

Independent advice is decisive to ensure manufacturer-neutral, objective solutions that are optimally matched to the bank's specific needs and risks. It avoids dependency on a manufacturer, optimises costs and ensures that planning meets the highest technical standards and all relevant statutory requirements. PLANATEL® has offered this independent expertise for over 34 years.

Sources and further information

  • BSI-Standards
  • BaFin mahnt veraltete Banken-IT an – AssCompact
  • BaFin Perspektiven Ausgabe 1 – Cybersicherheit
  • Ganzheitliche Informations- sicherheit bei Banken – SYSSEC
  • Studie von Lünendonk und KPMG: Der Finanzsektor überschätzt seine IT-Sicherheit