customer approach for a digital world.

personal business machine

Mission Statement

The Cologne InsurTech start-up PBM Personal Business Machine AG provides companies with a platform for personalized and digital customer dialogue at every stage of the customer journey. It creates digitalized processes based on a secure and encrypted infrastructure. The business engine is unique in the market by linking machine learning modules, digital signature and online legitimation.

Reduce dialog- and process costs
Increase customer satisfaction / NPS
Acquisition of opt-ins
Conversion & Response Uplift / Increase of conversion and response rates
Avoidance of media discontinuities (Time / Efficiency)

The problem of insurances

The digitalization of media advances relentlessly and because of smartphones and tablet computers the internet is accessible from everywhere.

  • The insurance sector is a service wasteland
  • Customers are displeased with insurance companies
  • Products and processes are complex and not digitalized
  • Insurance companies have no omnichannel communication
  • Traditional processes are slow and expensive

Our Solution

The Personal Business Machine is fast, unique and safe.

Automated, Digital Communication
  • Integration of video- and audio elements, images, texts and documents
  • Automated generation of responsive landingpages
  • Complete personalization
  • Automated distribution
  • Individual configuration
  • Modules for digital signature, online legitimization or online contract closing
  • Realtime notification about customer activities
Fast Implementation
  • SaaS service
  • Individual routing of response- and transaction data
  • Integrability of chat & online consulting
  • Powerful admin-section, including user management, controlling dashboards and asset management
Maximum Data Security
  • Hardware-encryption on all servers
  • SSL-encryption of data transfers
  • Highest security level for sensitive datan
  • 2 factor authentication for customer communication
  • Access safeguard for landing pages via mobile TAN (sent via separate email or separate SMS)

The Personal Business Machine enables personalized mass communication


HDI: 10 years of retirement planning – a reason to celebrate!

A Campaign to activate existing customers: „Reinvestment of provision products“
  • Crossmedial mailings with personalized QR code
  • Personalized landingpage
  • Emotional video to prepare the reinvestment
  • Sales-integration
  • Social Media Connect
  • Result: Most successful mailing of our customer
And many more...


The business engine platform for the personalization and emotionalization of the customer journey of insurance companies receives the Eisenhut Award 2017 in the sales software segment Click here for video interview (Source: Versicherungswirtschaft)

A well attuned team

Ralf Pispers
  • founder and CEO of PBM Personal Business Machine AG
  • proven online expert and entrepreneur
  • a passion for improving the digital customer dialogue in the insurance sector
  • founder and former CEO of Framfab Deutschland AG
  • keynote speaker
  • over 20 years of experience in insurance and banking
Stefan Riehl
  • founder and CTO of PBM Personal Business Machine AG
  • as an IT expert, is responsible for the high-performance SaaS solutions and distributed architectures
  • founder and former CEO of Framfab Deutschland AG
  • years of experience in app development
  • high expertise in the development of secure and complex applications
  • over 20 years of experience in insurance and banking


  • Massive growing market in regard to increasing customer focus, higher degree of digitalization and rising cost pressure
  • Data security crucial factor for banks and insurance companies
  • Successfully established product
  • Highly sophisticated technology
  • Guarantees maximum data security
  • Currently high focus on digitalization of insurance companies
  • Sales process of PBM just getting started
  • „Killer“ features not even rolled out yet
Team & Setup
  • Very experienced team with full engagement
  • Maximal sector knowhow

Questions, requests, curious?