{"id":33773,"date":"2025-09-24T10:45:32","date_gmt":"2025-09-24T08:45:32","guid":{"rendered":"https:\/\/ub-st.kodaconsulting.dev\/wir\/"},"modified":"2025-10-20T18:28:46","modified_gmt":"2025-10-20T16:28:46","slug":"wir","status":"publish","type":"page","link":"https:\/\/ub-st.kodaconsulting.dev\/de\/wir\/","title":{"rendered":"Wir"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8220;1&#8243; admin_label=&#8220;Secci\u00f3n Hero&#8220; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; background_color=&#8220;#FFFFFF&#8220; background_image=&#8220;https:\/\/ub-st.kodaconsulting.dev\/wp-content\/uploads\/2025\/09\/hero-nosotros.webp&#8220; background_size=&#8220;contain&#8220; background_position=&#8220;center_right&#8220; background_horizontal_offset=&#8220;10%&#8220; height=&#8220;600px&#8220; height_tablet=&#8220;600px&#8220; height_phone=&#8220;auto&#8220; height_last_edited=&#8220;on|phone&#8220; custom_padding=&#8220;0px||0px||true|false&#8220; background_last_edited=&#8220;on|desktop&#8220; background_enable_image_phone=&#8220;off&#8220; custom_css_free_form=&#8220;selector {||  display:flex;||\tflex-flow:column nowrap;||  justify-content:center;||}||@media only screen and (max-width: 767px) {||  selector {||    justify-content:flex-start;||\t}||}&#8220; global_colors_info=&#8220;{}&#8220;][et_pb_row disabled_on=&#8220;on|off|off&#8220; admin_label=&#8220;Fila Held DESKTOP&#8220; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; width_phone=&#8220;90%&#8220; width_last_edited=&#8220;off|phone&#8220; custom_margin=&#8220;0px||0px||false|false&#8220; global_colors_info=&#8220;{}&#8220;][et_pb_column type=&#8220;4_4&#8243; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; global_colors_info=&#8220;{}&#8220;][et_pb_text disabled_on=&#8220;off|off|off&#8220; admin_label=&#8220;Somos una marca H1&#8243; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; text_text_color=&#8220;#152A35&#8243; text_font_size=&#8220;20px&#8220; header_font=&#8220;|700|||||||&#8220; header_text_color=&#8220;#152A35&#8243; header_font_size=&#8220;80px&#8220; header_letter_spacing=&#8220;-2px&#8220; header_line_height=&#8220;1.05em&#8220; width=&#8220;50%&#8220; global_colors_info=&#8220;{}&#8220;]<\/p>\n<h1>Wir sind eine Marke<br \/><span class=\"accent-text\">ohne Grenzen<\/span><\/h1>\n<p>Wir sind <strong>in jeder Phase des Kreditlebenszyklus pr\u00e4sent und<\/strong> sorgen f\u00fcr Vertrauen, Schwung, Zukunft und Verbindung.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=&#8220;off|on|on&#8220; admin_label=&#8220;Fila Hero NUR MOBIL&#8220; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; width=&#8220;90%&#8220; width_phone=&#8220;90%&#8220; width_last_edited=&#8220;off|desktop&#8220; custom_margin=&#8220;0px||0px||false|false&#8220; global_colors_info=&#8220;{}&#8220;][et_pb_column type=&#8220;4_4&#8243; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; global_colors_info=&#8220;{}&#8220;][et_pb_text disabled_on=&#8220;off|off|off&#8220; admin_label=&#8220;Somos una marca H1&#8243; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; text_text_color=&#8220;#152A35&#8243; text_font_size=&#8220;20px&#8220; header_font=&#8220;|700|||||||&#8220; header_text_align=&#8220;center&#8220; header_text_color=&#8220;#152A35&#8243; header_font_size=&#8220;36px&#8220; header_line_height=&#8220;1.05em&#8220; global_colors_info=&#8220;{}&#8220;]<\/p>\n<h1>Wir sind eine Marke<br \/><span class=\"accent-text\">ohne Grenzen<\/span><\/h1>\n<p>[\/et_pb_text][et_pb_image src=&#8220;https:\/\/ub-st.kodaconsulting.dev\/wp-content\/uploads\/2025\/08\/ubimima-u-cristal.webp&#8220; alt=&#8220;ubimia Nachrichten&#8220; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; custom_padding=&#8220;32px||32px||true|false&#8220; global_colors_info=&#8220;{}&#8220;][\/et_pb_image][et_pb_text disabled_on=&#8220;off|off|off&#8220; admin_label=&#8220;Texto %22estamos presentes%22&#8243; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; text_text_color=&#8220;#152A35&#8243; text_font_size=&#8220;20px&#8220; header_font=&#8220;|700|||||||&#8220; header_text_color=&#8220;#152A35&#8243; header_font_size=&#8220;80px&#8220; header_letter_spacing=&#8220;-2px&#8220; header_line_height=&#8220;1.05em&#8220; global_colors_info=&#8220;{}&#8220;]<\/p>\n<p>Wir sind <strong>in jeder Phase des Kreditlebenszyklus pr\u00e4sent und<\/strong> sorgen f\u00fcr Vertrauen, Schwung, Zukunft und Verbindung.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8220;1&#8243; admin_label=&#8220;Secci\u00f3n nuestra esencia&#8220; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; background_color=&#8220;#152A35&#8243; custom_padding=&#8220;0px||||false|false&#8220; global_colors_info=&#8220;{}&#8220;][et_pb_row disabled_on=&#8220;on|off|off&#8220; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; custom_padding=&#8220;||8px||false|false&#8220; locked=&#8220;off&#8220; global_colors_info=&#8220;{}&#8220;][et_pb_column type=&#8220;4_4&#8243; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; global_colors_info=&#8220;{}&#8220;][et_pb_text _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; text_font=&#8220;||||||||&#8220; text_text_color=&#8220;#FFFFFF&#8220; global_colors_info=&#8220;{}&#8220;]<\/p>\n<p><span class=\"breadcrumb-home\">Wir <i class=\"fa-solid fa-chevron-right\"><\/i><\/span> <strong>ubimia<\/strong><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; width_tablet=&#8220;&#8220; width_phone=&#8220;90%&#8220; width_last_edited=&#8220;on|phone&#8220; custom_padding=&#8220;||32px||false|false&#8220; locked=&#8220;off&#8220; global_colors_info=&#8220;{}&#8220;][et_pb_column type=&#8220;4_4&#8243; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; global_colors_info=&#8220;{}&#8220;][et_pb_text disabled_on=&#8220;on|off|off&#8220; admin_label=&#8220;Label .label .label-light + Slider H2 title {h2 padding-bottom:0}&#8220; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; text_text_color=&#8220;#FFFFFF&#8220; header_2_font=&#8220;||||||||&#8220; header_2_text_color=&#8220;#FFFFFF&#8220; header_2_font_size=&#8220;40px&#8220; custom_margin=&#8220;||32px||false|false&#8220; header_2_font_size_tablet=&#8220;40px&#8220; header_2_font_size_phone=&#8220;24px&#8220; header_2_font_size_last_edited=&#8220;on|phone&#8220; custom_css_free_form=&#8220;selector h2 {||  padding-bottom:0;||}&#8220; global_colors_info=&#8220;{}&#8220;]<\/p>\n<div class=\"flex-rows-fs-fs\">\n<div class=\"icon-label plataforma\" style=\"width: 180px;\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ub-st.kodaconsulting.dev\/wp-content\/uploads\/2025\/08\/light-circle-arrow-down.svg\" width=\"36\" height=\"36\" alt=\"heller-kreis-pfeil-nach-unten\" class=\"wp-image-138 alignnone size-medium arrow-label\"><span class=\"label label-claro plataforma-texto mr-l\">ubimia<\/span><\/div>\n<h2>Unser <strong>Wesen<\/strong><\/h2>\n<\/div>\n<p>[\/et_pb_text][et_pb_text disabled_on=&#8220;off|on|on&#8220; admin_label=&#8220;Label .label .label-light + Slider H2 title {h2 padding-bottom:0}&#8220; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; text_text_color=&#8220;#FFFFFF&#8220; header_2_font=&#8220;||||||||&#8220; header_2_text_color=&#8220;#FFFFFF&#8220; header_2_font_size=&#8220;40px&#8220; custom_margin=&#8220;||32px||false|false&#8220; header_2_font_size_tablet=&#8220;40px&#8220; header_2_font_size_phone=&#8220;24px&#8220; header_2_font_size_last_edited=&#8220;on|phone&#8220; custom_css_free_form=&#8220;selector h2 {||  padding-bottom:0;||}&#8220; global_colors_info=&#8220;{}&#8220;]<\/p>\n<div class=\"icon-label plataforma\" style=\"width: 180px;\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ub-st.kodaconsulting.dev\/wp-content\/uploads\/2025\/08\/light-circle-arrow-down.svg\" width=\"36\" height=\"36\" alt=\"heller-kreis-pfeil-nach-unten\" class=\"wp-image-138 alignnone size-medium arrow-label\"><span class=\"label label-claro plataforma-texto mr-l\">ubimia<\/span><\/div>\n<h2>Unser <strong>Wesen<\/strong><\/h2>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8220;Texto nuestra esencia&#8220; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; text_text_color=&#8220;#FFFFFF&#8220; text_font_size=&#8220;20px&#8220; custom_margin=&#8220;|||180px|false|false&#8220; custom_margin_tablet=&#8220;|||180px|false|false&#8220; custom_margin_phone=&#8220;|||0px|false|false&#8220; custom_margin_last_edited=&#8220;on|phone&#8220; global_colors_info=&#8220;{}&#8220;]<\/p>\n<p>Unsere Essenz ist die <strong>technologische Innovation, die wir<\/strong> zur Umgestaltung des Gesch\u00e4fts und zur Verbesserung der Erfahrungen der Menschen <strong>einsetzen<\/strong>.<\/p>\n<p>Wir glauben an einen Fortschritt, dessen Hauptachse das <strong>auf Datenintelligenz basierende Wissen<\/strong> und die F\u00e4higkeit ist, bei jeder Entscheidung einen Wert zu schaffen.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; width_tablet=&#8220;&#8220; width_phone=&#8220;90%&#8220; width_last_edited=&#8220;on|phone&#8220; custom_padding=&#8220;16px||16px||true|false&#8220; locked=&#8220;off&#8220; global_colors_info=&#8220;{}&#8220;][et_pb_column type=&#8220;4_4&#8243; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; custom_css_free_form=&#8220;selector {||  display:flex;||  gap:25px;||}||@media only screen and (max-width: 767px) {||  selector {||  \tflex-flow:column nowrap;||    gap:16px;||\t}||}&#8220; global_colors_info=&#8220;{}&#8220;][et_pb_text admin_label=&#8220;Somos texto&#8220; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; header_2_font=&#8220;|700|||||||&#8220; header_2_text_color=&#8220;#00F7BC&#8220; header_2_font_size=&#8220;80px&#8220; custom_margin=&#8220;||||false|false&#8220; header_2_font_size_tablet=&#8220;80px&#8220; header_2_font_size_phone=&#8220;40px&#8220; header_2_font_size_last_edited=&#8220;on|phone&#8220; global_colors_info=&#8220;{}&#8220;]<\/p>\n<h2>Wir sind:<\/h2>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8220;Card confianza&#8220; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; text_text_color=&#8220;#FFFFFF&#8220; header_3_font=&#8220;|700|||||||&#8220; header_3_text_color=&#8220;#FFFFFF&#8220; header_3_font_size=&#8220;20px&#8220; header_4_font=&#8220;|700|||||||&#8220; header_4_font_size=&#8220;20px&#8220; background_color=&#8220;rgba(221,221,221,0.35)&#8220; overflow-y=&#8220;visible&#8220; custom_margin=&#8220;|0px|50px|auto|false|false&#8220; custom_padding=&#8220;16px|16px|16px|16px|true|true&#8220; custom_css_free_form=&#8220;selector {||  overflow:visible!important;||  flex:0 1 400px;||}||@media only screen and (max-width: 767px) {||  selector {||    flex:1 1 auto;||  }||}&#8220; border_radii=&#8220;on|12px|12px|12px|12px&#8220; box_shadow_style=&#8220;preset1&#8243; box_shadow_vertical=&#8220;4px&#8220; box_shadow_blur=&#8220;10px&#8220; box_shadow_color=&#8220;rgba(0,0,0,0.15)&#8220; locked=&#8220;off&#8220; global_colors_info=&#8220;{}&#8220;]<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ub-st.kodaconsulting.dev\/wp-content\/uploads\/2025\/09\/nosotros-confianza.webp\" width=\"180\" height=\"180\" alt=\"Ziel - Prinzip\" class=\"wp-image-963 alignnone size-full plan-cards_imagen\"><\/p>\n<div class=\"plan-cards_texto\">\n<h3>Vertrauen Sie<\/h3>\n<p>Denn wir verwandeln Daten in Informationen,<br \/>und Informationen in Wissen.<\/p>\n<\/div>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8220;Card conexi\u00f3n&#8220; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; text_text_color=&#8220;#FFFFFF&#8220; header_3_font=&#8220;|700|||||||&#8220; header_3_text_color=&#8220;#FFFFFF&#8220; header_3_font_size=&#8220;20px&#8220; header_4_font=&#8220;|700|||||||&#8220; header_4_font_size=&#8220;20px&#8220; background_color=&#8220;rgba(221,221,221,0.35)&#8220; overflow-y=&#8220;visible&#8220; custom_margin=&#8220;||50px||false|false&#8220; custom_padding=&#8220;16px|16px|16px|16px|true|true&#8220; custom_css_free_form=&#8220;selector {||  overflow:visible!important;||  flex:0 0 400px;||}@media only screen and (max-width: 767px) {||  selector {||    flex:1 1 auto;||  }||}&#8220; border_radii=&#8220;on|12px|12px|12px|12px&#8220; box_shadow_style=&#8220;preset1&#8243; box_shadow_vertical=&#8220;4px&#8220; box_shadow_blur=&#8220;10px&#8220; box_shadow_color=&#8220;rgba(0,0,0,0.15)&#8220; locked=&#8220;off&#8220; global_colors_info=&#8220;{}&#8220;]<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ub-st.kodaconsulting.dev\/wp-content\/uploads\/2025\/09\/nosotros-impulso.webp\" width=\"183\" height=\"183\" alt=\"Impuls\" class=\"wp-image-963 alignnone size-full plan-cards_imagen\"><\/p>\n<div class=\"plan-cards_texto\">\n<h3>Impuls<\/h3>\n<p>Weil wir Unternehmen helfen, zu wachsen.<\/p>\n<\/div>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; width_tablet=&#8220;&#8220; width_phone=&#8220;90%&#8220; width_last_edited=&#8220;on|phone&#8220; custom_padding=&#8220;16px||16px||true|false&#8220; locked=&#8220;off&#8220; global_colors_info=&#8220;{}&#8220;][et_pb_column type=&#8220;4_4&#8243; module_class=&#8220;flex-rows-center flex-columns-center-mobile&#8220; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; global_colors_info=&#8220;{}&#8220;][et_pb_text admin_label=&#8220;Card futuro&#8220; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; text_text_color=&#8220;#FFFFFF&#8220; header_3_font=&#8220;|700|||||||&#8220; header_3_text_color=&#8220;#FFFFFF&#8220; header_3_font_size=&#8220;20px&#8220; header_4_font=&#8220;|700|||||||&#8220; header_4_font_size=&#8220;20px&#8220; background_color=&#8220;rgba(221,221,221,0.35)&#8220; overflow-y=&#8220;visible&#8220; custom_margin=&#8220;||50px||false|false&#8220; custom_padding=&#8220;16px|16px|16px|16px|true|true&#8220; custom_css_free_form=&#8220;selector {||  overflow:visible!important;||  flex:0 0 32%;||}||@media only screen and (max-width: 767px) {||  selector {||    flex:1 1 auto;||  }||}&#8220; border_radii=&#8220;on|12px|12px|12px|12px&#8220; box_shadow_style=&#8220;preset1&#8243; box_shadow_vertical=&#8220;4px&#8220; box_shadow_blur=&#8220;10px&#8220; box_shadow_color=&#8220;rgba(0,0,0,0.15)&#8220; locked=&#8220;off&#8220; global_colors_info=&#8220;{}&#8220;]<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ub-st.kodaconsulting.dev\/wp-content\/uploads\/2025\/09\/nosotros-futuro.webp\" width=\"220\" height=\"80\" alt=\"Die Zukunft von ubimia\" class=\"wp-image-963 alignnone size-full plan-cards_imagen\"><\/p>\n<div class=\"plan-cards_texto\">\n<h3>Zukunft<\/h3>\n<p>Weil wir Technologien entwickeln, die die Welt ver\u00e4ndern.<\/p>\n<\/div>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8220;Card conexi\u00f3n&#8220; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; text_text_color=&#8220;#FFFFFF&#8220; header_3_font=&#8220;|700|||||||&#8220; header_3_text_color=&#8220;#FFFFFF&#8220; header_3_font_size=&#8220;20px&#8220; header_4_font=&#8220;|700|||||||&#8220; header_4_font_size=&#8220;20px&#8220; background_color=&#8220;rgba(221,221,221,0.35)&#8220; overflow-y=&#8220;visible&#8220; custom_margin=&#8220;||50px|25px|false|false&#8220; custom_margin_tablet=&#8220;||50px|25px|false|false&#8220; custom_margin_phone=&#8220;|||0px|false|false&#8220; custom_margin_last_edited=&#8220;on|phone&#8220; custom_padding=&#8220;16px|16px|16px|16px|true|true&#8220; custom_css_free_form=&#8220;selector {||  overflow:visible!important;||  flex:0 0 32%;||}||@media only screen and (max-width: 767px) {||  selector {||    flex:1 1 auto;||  }||}&#8220; border_radii=&#8220;on|12px|12px|12px|12px&#8220; box_shadow_style=&#8220;preset1&#8243; box_shadow_vertical=&#8220;4px&#8220; box_shadow_blur=&#8220;10px&#8220; box_shadow_color=&#8220;rgba(0,0,0,0.15)&#8220; locked=&#8220;off&#8220; global_colors_info=&#8220;{}&#8220;]<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ub-st.kodaconsulting.dev\/wp-content\/uploads\/2025\/09\/nosotros-conexion.webp\" width=\"164\" height=\"180\" alt=\"Ziel - Prinzip\" class=\"wp-image-963 alignnone size-full plan-cards_imagen\"><\/p>\n<div class=\"plan-cards_texto\">\n<h3>Verbindung<\/h3>\n<p>Denn bei uns z\u00e4hlt jeder Vorgang.<\/p>\n<\/div>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8220;1&#8243; admin_label=&#8220;Nuestra brujula&#8220; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; global_colors_info=&#8220;{}&#8220;][et_pb_row disabled_on=&#8220;on|off|off&#8220; admin_label=&#8220;Unser DESKTOP-Kompass&#8220; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; width_tablet=&#8220;&#8220; width_phone=&#8220;90%&#8220; width_last_edited=&#8220;on|phone&#8220; locked=&#8220;off&#8220; global_colors_info=&#8220;{}&#8220;][et_pb_column type=&#8220;4_4&#8243; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; global_colors_info=&#8220;{}&#8220;][et_pb_text admin_label=&#8220;Nuestra br\u00fajula title&#8220; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; text_font_size=&#8220;20px&#8220; text_line_height=&#8220;1em&#8220; header_2_font=&#8220;|700|||||||&#8220; header_2_text_color=&#8220;#00F7BC&#8220; header_2_font_size=&#8220;80px&#8220; width=&#8220;49%&#8220; global_colors_info=&#8220;{}&#8220;]<\/p>\n<h2>Unser Kompass:<\/h2>\n<p>[\/et_pb_text][et_pb_code admin_label=&#8220;Unser SVG Code Kompass&#8220; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; global_colors_info=&#8220;{}&#8220;]<\/p>\n<div class=\"ubim-brujula-wrap\"><!-- [et_pb_line_break_holder] -->  <svg class=\"ubim-brujula\" viewBox=\"0 0 1440 520\" role=\"img\" aria-labelledby=\"brujulaTitle brujulaDesc\"><!-- [et_pb_line_break_holder] -->    <title id=\"brujulaTitle\">Zweck, Mission und Vision<\/title><!-- [et_pb_line_break_holder] -->    <desc id=\"brujulaDesc\">Kompass in der Mitte mit drei Textbl\u00f6cken, die durch horizontale Linien verbunden sind.<\/desc><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    <\/p>\n<style><!-- [et_pb_line_break_holder] -->      .ubim-brujula { width: 100%; height: auto; }<!-- [et_pb_line_break_holder] -->      :root, .ubim-brujula {<!-- [et_pb_line_break_holder] -->        --green:#18C7A0;<!-- [et_pb_line_break_holder] -->        --text:#1A1A1A;<!-- [et_pb_line_break_holder] -->        --muted:#555;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .ubim-text { font-family: inherit; fill: var(--text); }<!-- [et_pb_line_break_holder] -->      .ubim-title { font-size:20px; font-weight:800; letter-spacing:.2px; }<!-- [et_pb_line_break_holder] -->      .ubim-body  { font-size:16px; line-height:1.5; fill:var(--muted); }<!-- [et_pb_line_break_holder] -->      .line { stroke: var(--green); stroke-width:2; stroke-linecap:round; }<!-- [et_pb_line_break_holder] -->      \/* C\u00edrculo con borde blanco para m\u00e1xima visibilidad sobre cualquier fondo *\/<!-- [et_pb_line_break_holder] -->      .dot  { fill: var(--green); stroke:#fff; stroke-width:2; }<!-- [et_pb_line_break_holder] -->      .fo * { margin:0; padding:0; box-sizing:border-box; }<!-- [et_pb_line_break_holder] -->    <\/style>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    <!-- BR\u00daJULA (centrada: (1440-505)\/2 = 467.5) --><!-- [et_pb_line_break_holder] -->    <image href=\"https:\/\/ub-st.kodaconsulting.dev\/wp-content\/uploads\/2025\/10\/brujula-historia.webp\" x=\"467.5\" y=\"15\" width=\"505\" height=\"505\" preserveaspectratio=\"xMidYMid meet\"><\/image><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    <!-- PROP\u00d3SITO (izquierda) --><!-- [et_pb_line_break_holder] -->    <text class=\"ubim-text ubim-title\" x=\"0\" y=\"120\">Zweck<\/text><!-- [et_pb_line_break_holder] -->    <!-- l\u00ednea unos px por encima del t\u00edtulo para no tocarlo --><!-- [et_pb_line_break_holder] -->    <line class=\"line\" x1=\"120\" y1=\"112\" x2=\"530\" y2=\"112\"><\/line><!-- [et_pb_line_break_holder] -->    <circle class=\"dot\" cx=\"530\" cy=\"112\" r=\"6\"><\/circle><!-- [et_pb_line_break_holder] -->    <foreignobject x=\"0\" y=\"148\" width=\"440\" height=\"200\"><!-- [et_pb_line_break_holder] -->      <\/p>\n<div xmlns=\"http:\/\/www.w3.org\/1999\/xhtml\" class=\"fo\"><!-- [et_pb_line_break_holder] -->        <pee class=\"ubim-body\"><!-- [et_pb_line_break_holder] -->  F\u00f6rdern Sie die Entwicklung der Wohlfahrtsgesellschaft, indem Sie die Kreditprozesse<!-- [et_pb_line_break_holder] --> verbessern, sie inklusiver gestalten und das Marktvertrauen st\u00e4rken.<!-- [et_pb_line_break_holder] -->        <\/pee><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/foreignobject><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    <!-- MISI\u00d3N (derecha, arriba) --><!-- [et_pb_line_break_holder] -->    <text class=\"ubim-text ubim-title\" x=\"1000\" y=\"120\">Mission<\/text><!-- [et_pb_line_break_holder] -->    <!-- desde el borde izquierdo del t\u00edtulo hacia la br\u00fajula --><!-- [et_pb_line_break_holder] -->    <line class=\"line\" x1=\"990\" y1=\"112\" x2=\"820\" y2=\"112\"><\/line><!-- [et_pb_line_break_holder] -->    <circle class=\"dot\" cx=\"820\" cy=\"112\" r=\"6\"><\/circle><!-- [et_pb_line_break_holder] -->    <foreignobject x=\"1000\" y=\"148\" width=\"420\" height=\"200\"><!-- [et_pb_line_break_holder] -->      <\/p>\n<div xmlns=\"http:\/\/www.w3.org\/1999\/xhtml\" class=\"fo\"><!-- [et_pb_line_break_holder] -->        <pee class=\"ubim-body\"><!-- [et_pb_line_break_holder] -->  Wir optimieren den Kreditlebenszyklus in seinen verschiedenen Phasen und Prozessen durch<!-- [et_pb_line_break_holder] --> Datenintelligenz und unsere eigenen Technologiel\u00f6sungen.<!-- [et_pb_line_break_holder] -->        <\/pee><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/foreignobject><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    <!-- VISI\u00d3N (derecha, abajo) --><!-- [et_pb_line_break_holder] -->    <text class=\"ubim-text ubim-title\" x=\"1030\" y=\"350\">Vision<\/text><!-- [et_pb_line_break_holder] -->    <line class=\"line\" x1=\"1020\" y1=\"342\" x2=\"972.5\" y2=\"342\"><\/line><!-- [et_pb_line_break_holder] -->    <circle class=\"dot\" cx=\"972.5\" cy=\"342\" r=\"6\"><\/circle><!-- [et_pb_line_break_holder] -->    <foreignobject x=\"1030\" y=\"378\" width=\"420\" height=\"120\"><!-- [et_pb_line_break_holder] -->      <\/p>\n<div xmlns=\"http:\/\/www.w3.org\/1999\/xhtml\" class=\"fo\"><!-- [et_pb_line_break_holder] -->        <pee class=\"ubim-body\"><!-- [et_pb_line_break_holder] -->  F\u00fchrend in einer neuen Art des Kreditmanagements in Europa und Lateinamerika.<!-- [et_pb_line_break_holder] -->        <\/pee><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/foreignobject><!-- [et_pb_line_break_holder] -->  <\/svg><!-- [et_pb_line_break_holder] --><\/div>\n<p><!-- [et_pb_line_break_holder] -->[\/et_pb_code][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=&#8220;off|on|on&#8220; admin_label=&#8220;Unser MOBILE-Kompass&#8220; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; width_tablet=&#8220;&#8220; width_phone=&#8220;90%&#8220; width_last_edited=&#8220;on|phone&#8220; locked=&#8220;off&#8220; global_colors_info=&#8220;{}&#8220;][et_pb_column type=&#8220;4_4&#8243; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; global_colors_info=&#8220;{}&#8220;][et_pb_text admin_label=&#8220;Nuestra br\u00fajula title&#8220; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; text_font_size=&#8220;20px&#8220; text_line_height=&#8220;1em&#8220; header_2_font=&#8220;|700|||||||&#8220; header_2_text_color=&#8220;#00F7BC&#8220; header_2_font_size=&#8220;40px&#8220; width=&#8220;49%&#8220; custom_margin=&#8220;||32px||false|false&#8220; global_colors_info=&#8220;{}&#8220;]<\/p>\n<h2>Unser Kompass:<\/h2>\n<p>[\/et_pb_text][et_pb_image src=&#8220;https:\/\/ub-st.kodaconsulting.dev\/wp-content\/uploads\/2025\/10\/brujula-historia.webp&#8220; alt=&#8220;ubimia compass Mission, Vision und Werte&#8220; admin_label=&#8220;Imagen br\u00fajula&#8220; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; global_colors_info=&#8220;{}&#8220;][\/et_pb_image][et_pb_text admin_label=&#8220;Prop\u00f3sito, misi\u00f3n, visi\u00f3n&#8220; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; header_3_font=&#8220;|700|||||||&#8220; header_3_font_size=&#8220;20px&#8220; global_colors_info=&#8220;{}&#8220;]<\/p>\n<h3>Zweck<\/h3>\n<p class=\"mb-l\">F\u00f6rdern Sie die Entwicklung der Wohlfahrtsgesellschaft, indem Sie die Kreditprozesse verbessern, sie integrativer gestalten und das Vertrauen in den Markt st\u00e4rken.<\/p>\n<h3>Mission<\/h3>\n<p class=\"mb-l\">Wir optimieren den Kreditlebenszyklus in seinen verschiedenen Phasen und Prozessen durch Datenintelligenz und unsere eigenen Technologiel\u00f6sungen.<\/p>\n<h3>Vision<\/h3>\n<p class=\"mb-l\">F\u00fchrend in einer neuen Art des Kreditmanagements in Europa und Lateinamerika.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8220;1&#8243; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; custom_padding=&#8220;||16px||false|false&#8220; global_colors_info=&#8220;{}&#8220;][et_pb_row _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; width_tablet=&#8220;&#8220; width_phone=&#8220;90%&#8220; width_last_edited=&#8220;on|phone&#8220; hover_enabled=&#8220;0&#8243; locked=&#8220;off&#8220; global_colors_info=&#8220;{}&#8220; sticky_enabled=&#8220;0&#8243;][et_pb_column type=&#8220;4_4&#8243; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; global_colors_info=&#8220;{}&#8220;][et_pb_text admin_label=&#8220;Label .label .label-light + Slider H2 title {h2 padding-bottom:0}&#8220; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; header_2_font=&#8220;||||||||&#8220; header_2_font_size=&#8220;40px&#8220; header_2_font_size_tablet=&#8220;40px&#8220; header_2_font_size_phone=&#8220;24px&#8220; header_2_font_size_last_edited=&#8220;on|phone&#8220; custom_css_free_form=&#8220;selector h2 {||  padding-bottom:0;||}&#8220; locked=&#8220;off&#8220; global_colors_info=&#8220;{}&#8220;]<\/p>\n<div class=\"flex-rows-fs-center-desktop\">\n<div class=\"icon-label\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ub-st.kodaconsulting.dev\/wp-content\/uploads\/2025\/08\/green-circle-arrow.svg\" width=\"36\" height=\"36\" alt=\"heller-kreis-pfeil-nach-unten\" class=\"wp-image-138 alignnone size-medium arrow-label\"><span class=\"label label-green mr-l\">Flugbahn<\/span><\/div>\n<h2>Lernen Sie unsere <strong>Geschichte<\/strong> kennen<\/h2>\n<\/div>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8220;1&#8243; admin_label=&#8220;Secci\u00f3n #ubimia-timeline&#8220; module_id=&#8220;ubimia-Zeitleiste&#8220; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; custom_padding=&#8220;8px||||false|false&#8220; hover_enabled=&#8220;0&#8243; custom_css_free_form=&#8220;selector {||  height:800px;||  overflow:hidden;||  position:relative;||  isolation: isolate;||}||@media only screen and (max-width: 767px) {||  selector {||    height:1000px;||  }||}||selector:after {||  content:&#8220;;||  display:block;||  position:absolute;||  bottom:0;||  left:0;||  width:100%;||  height:100px;||\tbackground: linear-gradient(0deg,rgba(255, 255, 255, 1) 20%, rgba(255, 255, 255, 0) 100%);||  z-index:10;||  pointer-events: none;||}&#8220; global_colors_info=&#8220;{}&#8220; sticky_enabled=&#8220;0&#8243;][et_pb_row module_class=&#8220;timeline__row&#8220; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; width_tablet=&#8220;&#8220; width_phone=&#8220;90%&#8220; width_last_edited=&#8220;on|phone&#8220; global_colors_info=&#8220;{}&#8220;][et_pb_column type=&#8220;4_4&#8243; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; global_colors_info=&#8220;{}&#8220;][et_pb_text admin_label=&#8220;Ubimia timeline &#8211; inicio&#8220; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; global_colors_info=&#8220;{}&#8220;]<\/p>\n<div class=\"timeline__block empty\">\n<div class=\"timeline__block-year\"><\/div>\n<div class=\"timeline__block-line\"><\/div>\n<div class=\"timeline__block-content\">\n<\/div>\n<\/div>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8220;Ubimia timeline &#8211; 2025&#8243; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; global_colors_info=&#8220;{}&#8220;]<\/p>\n<div class=\"timeline__block\">\n<div class=\"timeline__block-year\">2025<\/div>\n<div class=\"timeline__block-line\"><\/div>\n<div class=\"timeline__block-content\">\n<article class=\"timeline__block-content-first\">\n<h3>PFSTECH wird zu ubimia<\/h3>\n<p>ubimia wurde mit dem Ziel gegr\u00fcndet, die Entwicklung der Wohlfahrtsgesellschaft durch die Verbesserung von Kreditprozessen zu f\u00f6rdern.<\/p>\n<\/article>\n<article>\n<h3>finstreet<\/h3>\n<p>Die \u00dcbernahme von finstreet ist ein wichtiger Meilenstein f\u00fcr die Konsolidierung von PFSTECH in Europa.<\/p>\n<\/article>\n<article>\n<h3>ZIQY<\/h3>\n<p>Die Eingliederung von ZIQY erweitert die Grenzen und \u00f6ffnet den Fokus auf den Sektor der Kreislaufwirtschaft.<\/p>\n<\/article>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8220;Ubimia timeline &#8211; 2024&#8243; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; global_colors_info=&#8220;{}&#8220;]<\/p>\n<div class=\"timeline__block\">\n<div class=\"timeline__block-year\">2024<\/div>\n<div class=\"timeline__block-line\"><\/div>\n<div class=\"timeline__block-content\">\n<article>\n<h3>EMC LEGAL SOFTWARE<\/h3>\n<p>Mit der \u00dcbernahme von EMC erweitert PFSTECH sein Technologieangebot im juristischen Bereich.<\/p>\n<\/article>\n<article>\n<h3>BURO365<\/h3>\n<p>PFSTECH st\u00e4rkt seine Pr\u00e4senz in Peru mit der Integration von BURO365<\/p>\n<\/article>\n<article>\n<h3>INNOVA GRUPPE<\/h3>\n<p>PFSTECH verst\u00e4rkt seinen Fokus auf den KMU-Markt mit der Integration von INNOVA<\/p>\n<\/article>\n<article>\n<h3>AIS GRUPPE<\/h3>\n<p>PFSTECH integriert den Pionier der K\u00fcnstlichen Intelligenz, die AIS-Gruppe<\/p>\n<\/article>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8220;Ubimia timeline &#8211; 2023&#8243; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; global_colors_info=&#8220;{}&#8220;]<\/p>\n<div class=\"timeline__block\">\n<div class=\"timeline__block-year\">2023<\/div>\n<div class=\"timeline__block-line\"><\/div>\n<div class=\"timeline__block-content\">\n<article>\n<h3>pfs ist in 2 Unternehmen aufgeteilt<\/h3>\n<p>Die Gruppe beschlie\u00dft, ihre Gesch\u00e4fte in zwei unabh\u00e4ngige Unternehmen aufzuteilen: pfsLEGAL und pfsTECH&amp;DATA.<\/p>\n<\/article>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8220;Ubimia timeline &#8211; 2022&#8243; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; global_colors_info=&#8220;{}&#8220;]<\/p>\n<div class=\"timeline__block\">\n<div class=\"timeline__block-year\">2022<\/div>\n<div class=\"timeline__block-line\"><\/div>\n<div class=\"timeline__block-content\">\n<article>\n<h3>Kineox<\/h3>\n<p>Die Technologie von K\u00edneox ist in pfs integriert, so dass wir mit vereinten Kr\u00e4ften den Markt f\u00fcr digitales Inkasso und Wiederherstellung anf\u00fchren k\u00f6nnen.<\/p>\n<\/article>\n<article>\n<h3>AnaCap unterst\u00fctzt pfs<\/h3>\n<p>Der englische Aktienfonds AnaCap Financial Partners beteiligt sich an der spanischen pfs, um deren Wachstum zu f\u00f6rdern.<br \/>\n<\/article>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8220;Ubimia timeline &#8211; 2021&#8243; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; global_colors_info=&#8220;{}&#8220;]<\/p>\n<div class=\"timeline__block\">\n<div class=\"timeline__block-year\">2021<\/div>\n<div class=\"timeline__block-line\"><\/div>\n<div class=\"timeline__block-content\">\n<article>\n<h3>LexTools<\/h3>\n<p>Wir haben das Unternehmen LexTools gegr\u00fcndet und damit unsere M\u00f6glichkeiten erweitert, den Rechtsmarkt durch Technologie zu bedienen.<\/p>\n<\/article>\n<article>\n<h3>Portugal<\/h3>\n<p>Wir haben eine pfs-Niederlassung in Lissabon, Portugal, er\u00f6ffnet, was unser erster Schritt zur Internationalisierung des Unternehmens ist.<\/p>\n<\/article>\n<article>\n<h3>Bereich Einzelhandel und Ventures<\/h3>\n<p>Um den Kundenstamm zu vergr\u00f6\u00dfern und zu diversifizieren und auch um neues geistiges Eigentum zu generieren und zu nutzen, wurde die Linie der Einzelh\u00e4ndler und Unternehmen geboren.<\/p>\n<\/article>\n<article>\n<h3>pfs etabliert sich in Mexiko<\/h3>\n<p>pfs \u00fcberquert den gro\u00dfen Teich mit der Integration des Technologieunternehmens Telepro.<\/p>\n<\/article>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8220;Ubimia timeline &#8211; 2020&#8243; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; global_colors_info=&#8220;{}&#8220;]<\/p>\n<div class=\"timeline__block\">\n<div class=\"timeline__block-year\">2020<\/div>\n<div class=\"timeline__block-line\"><\/div>\n<div class=\"timeline__block-content\">\n<article>\n<h3>Waavi<\/h3>\n<p><span>Zweite M&amp;A-Operation, bei der wir Waavi als disruptives Innovationslabor integriert haben, das uns die F\u00e4higkeit zur &#8222;Innovation made fast&amp;smart&#8220; verleiht.<\/span><\/p>\n<\/article>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8220;Ubimia timeline &#8211; 2019&#8243; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; global_colors_info=&#8220;{}&#8220;]<\/p>\n<div class=\"timeline__block\">\n<div class=\"timeline__block-year\">2019<\/div>\n<div class=\"timeline__block-line\"><\/div>\n<div class=\"timeline__block-content\">\n<article>\n<h3>Neue Spezialisierung auf den Versicherungsmarkt<\/h3>\n<p>Um unsere Softwareprodukte und digitalen Plattformen auf den Versicherungsmarkt zu bringen, haben wir eine Spezialisierungslinie geschaffen, die es uns erm\u00f6glicht, uns auf die besonderen Bed\u00fcrfnisse dieses Sektors einzustellen.<\/p>\n<\/article>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8220;Ubimia timeline &#8211; 2018&#8243; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; global_colors_info=&#8220;{}&#8220;]<\/p>\n<div class=\"timeline__block\">\n<div class=\"timeline__block-year\">2018<\/div>\n<div class=\"timeline__block-line\"><\/div>\n<div class=\"timeline__block-content\">\n<article>\n<h3>ABA und ASSISTO<\/h3>\n<p>Unsere erste M&amp;A-Transaktion konzentrierte sich auf die Integration des traditionellen Rechtsgesch\u00e4fts, um es in eine digitale Dienstleistungsplattform umzuwandeln und unsere F\u00e4higkeiten zu erweitern. Dadurch wurden wir zum Marktf\u00fchrer. <\/p>\n<\/article>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8220;Ubimia timeline &#8211; 2017&#8243; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; global_colors_info=&#8220;{}&#8220;]<\/p>\n<div class=\"timeline__block\">\n<div class=\"timeline__block-year\">2017<\/div>\n<div class=\"timeline__block-line\"><\/div>\n<div class=\"timeline__block-content\">\n<article>\n<h3>Expandierende M\u00e4rkte f\u00fcr unsere Softwareprodukte<\/h3>\n<p>Wir haben unsere Zielm\u00e4rkte erweitert und diversifiziert und unsere Technologie auch Kunden in anderen Segmenten zug\u00e4nglich gemacht.<\/p>\n<\/article>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8220;Ubimia timeline &#8211; 2015&#8243; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; global_colors_info=&#8220;{}&#8220;]<\/p>\n<div class=\"timeline__block\">\n<div class=\"timeline__block-year\">2015<\/div>\n<div class=\"timeline__block-line\"><\/div>\n<div class=\"timeline__block-content\">\n<article>\n<h3>Erweiterung der Plattform f\u00fcr juristische Dienstleistungen<\/h3>\n<p>Um den juristischen Prozess gro\u00dfer Unternehmen effizient umzugestalten, haben wir die digitale Plattform erweitert und die Beschaffung als wesentlichen Teil der End-to-End-L\u00f6sung integriert.<\/p>\n<\/article>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8220;Ubimia timeline &#8211; 2011&#8243; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; global_colors_info=&#8220;{}&#8220;]<\/p>\n<div class=\"timeline__block\">\n<div class=\"timeline__block-year\">2011<\/div>\n<div class=\"timeline__block-line\"><\/div>\n<div class=\"timeline__block-content\">\n<article>\n<h3>Erste digitale Dienstleistungsplattform: Rechtsgesch\u00e4ft<\/h3>\n<p>Wir brachten unseren ersten spezialisierten Service im Format einer digitalen Plattform auf den Markt, aufbauend auf dem starken Know-how im Bereich Gesch\u00e4ftsprozesse und den Softwareprodukten, die damals bereits bei Finanzkunden erfolgreich waren.<\/p>\n<\/article>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8220;Ubimia timeline &#8211; 2008&#8243; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; global_colors_info=&#8220;{}&#8220;]<\/p>\n<div class=\"timeline__block\">\n<div class=\"timeline__block-year\">2008<\/div>\n<div class=\"timeline__block-line\"><\/div>\n<div class=\"timeline__block-content\">\n<article>\n<h3>Fokus auf neue Gesch\u00e4ftsfelder und Softwareprodukte<\/h3>\n<p>Im Jahr 2008 nahm die PFS, wie wir sie kennen, wirklich Gestalt an. Das Leistungsspektrum wurde erweitert, indem das Schulungsgesch\u00e4ft um das Beratungs- und Softwareproduktgesch\u00e4ft erg\u00e4nzt wurde, das sich nach wie vor ausschlie\u00dflich auf die Nische der Bankenkreditrisiken konzentriert. <\/p>\n<\/article>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8220;Ubimia timeline &#8211; 1999&#8243; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; custom_margin=&#8220;||60px||false|false&#8220; global_colors_info=&#8220;{}&#8220;]<\/p>\n<div class=\"timeline__block\">\n<div class=\"timeline__block-year\">1999<\/div>\n<div class=\"timeline__block-line\"><\/div>\n<div class=\"timeline__block-content\">\n<article>\n<h3>Erstellung von pfs<\/h3>\n<p>Im Jahr 1999 wurde die Keimzelle der pfs gegr\u00fcndet, deren urspr\u00fcngliche Aufgabe es war, Mitarbeiter von Banken und Sparkassen in Fragen des Kreditrisikos zu schulen.<\/p>\n<\/article>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8220;1&#8243; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; background_color=&#8220;#152A35&#8243; custom_padding=&#8220;||16px||false|false&#8220; locked=&#8220;off&#8220; global_colors_info=&#8220;{}&#8220;][et_pb_row _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; width_tablet=&#8220;&#8220; width_phone=&#8220;90%&#8220; width_last_edited=&#8220;on|phone&#8220; custom_padding=&#8220;||32px||false|false&#8220; locked=&#8220;off&#8220; global_colors_info=&#8220;{}&#8220;][et_pb_column type=&#8220;4_4&#8243; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; global_colors_info=&#8220;{}&#8220;][et_pb_text admin_label=&#8220;Label .label .label-light + Slider H2 title {h2 padding-bottom:0}&#8220; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; text_text_color=&#8220;#FFFFFF&#8220; header_2_font=&#8220;||||||||&#8220; header_2_text_color=&#8220;#FFFFFF&#8220; header_2_font_size=&#8220;40px&#8220; custom_margin=&#8220;||32px||false|false&#8220; header_2_font_size_tablet=&#8220;40px&#8220; header_2_font_size_phone=&#8220;24px&#8220; header_2_font_size_last_edited=&#8220;on|phone&#8220; custom_css_free_form=&#8220;selector h2 {||  padding-bottom:0;||}&#8220; global_colors_info=&#8220;{}&#8220; disabled_on=&#8220;on|off|off&#8220;]<\/p>\n<div class=\"flex-rows-fs-fs\">\n<div class=\"icon-label plataforma\" style=\"width: 180px;\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ub-st.kodaconsulting.dev\/wp-content\/uploads\/2025\/08\/light-circle-arrow-down.svg\" width=\"36\" height=\"36\" alt=\"heller-kreis-pfeil-nach-unten\" class=\"wp-image-138 alignnone size-medium arrow-label\"><span class=\"label label-claro mr-l\">Kunden<\/span><\/div>\n<h2>Wo <strong>unsere Kunden<\/strong> sind<\/h2>\n<\/div>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8220;Label .label .label-light + Slider H2 title {h2 padding-bottom:0} SOLO MOVIL&#8220; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; text_text_color=&#8220;#FFFFFF&#8220; header_2_font=&#8220;||||||||&#8220; header_2_text_color=&#8220;#FFFFFF&#8220; header_2_font_size=&#8220;40px&#8220; custom_margin=&#8220;||32px||false|false&#8220; hover_enabled=&#8220;0&#8243; header_2_font_size_tablet=&#8220;40px&#8220; header_2_font_size_phone=&#8220;24px&#8220; header_2_font_size_last_edited=&#8220;on|phone&#8220; custom_css_free_form=&#8220;selector h2 {||  padding-bottom:0;||}&#8220; global_colors_info=&#8220;{}&#8220; sticky_enabled=&#8220;0&#8243; disabled_on=&#8220;off|on|on&#8220;]<\/p>\n<div class=\"icon-label plataforma\" style=\"width: 180px;\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ub-st.kodaconsulting.dev\/wp-content\/uploads\/2025\/08\/light-circle-arrow-down.svg\" width=\"36\" height=\"36\" alt=\"heller-kreis-pfeil-nach-unten\" class=\"wp-image-138 alignnone size-medium arrow-label\"><span class=\"label label-claro mr-l\">Kunden<\/span><\/div>\n<h2>Wo <strong>unsere Kunden<\/strong> sind<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8220;1_3,2_3&#8243; make_equal=&#8220;on&#8220; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; hover_enabled=&#8220;0&#8243; global_colors_info=&#8220;{}&#8220; disabled_on=&#8220;on|off|off&#8220; admin_label=&#8220;Reihenkarte Desktop&#8220; sticky_enabled=&#8220;0&#8243;][et_pb_column type=&#8220;1_3&#8243; admin_label=&#8220;Spalte {flex space-between}&#8220; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; hover_enabled=&#8220;0&#8243; custom_css_free_form=&#8220;selector {||  display:flex;||  flex-flow: row nowrap;||  justify-content:space-between;||  gap:18px;||}&#8220; global_colors_info=&#8220;{}&#8220; sticky_enabled=&#8220;0&#8243;][et_pb_text ul_type=&#8220;none&#8220; ul_item_indent=&#8220;1px&#8220; module_id=&#8220;clientes&#8220; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; text_text_color=&#8220;#FFFFFF&#8220; text_font_size=&#8220;20px&#8220; global_colors_info=&#8220;{}&#8220;]<\/p>\n<ul class=\"listado-oficinas\">\n<li class=\"oficina\">Deutschland<\/li>\n<li class=\"oficina\">Argentinien<\/li>\n<li>\u00d6sterreich<\/li>\n<li>Kap Verde<\/li>\n<li class=\"oficina\">Chile<\/li>\n<li class=\"oficina\">Kolumbien<\/li>\n<li>C\u00f4te d&#8217;Ivoire<\/li>\n<li>Ecuador<\/li>\n<li>El Salvador<\/li>\n<li>Slowenien<\/li>\n<li class=\"oficina\">Spanien<\/li>\n<li>Vereinigte Staaten<\/li>\n<li class=\"oficina\">Frankreich<\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text ul_type=&#8220;none&#8220; ul_item_indent=&#8220;1px&#8220; module_id=&#8220;clientes&#8220; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; text_text_color=&#8220;#FFFFFF&#8220; text_font_size=&#8220;20px&#8220; global_colors_info=&#8220;{}&#8220;]<\/p>\n<ul class=\"listado-oficinas\">\n<li>Irland<\/li>\n<li>Italien<\/li>\n<li>Luxemburg<\/li>\n<li class=\"oficina\">Mexiko<\/li>\n<li>Marokko<\/li>\n<li>Norwegen<\/li>\n<li>Paraguay<\/li>\n<li class=\"oficina\">Peru<\/li>\n<li>Portugal<\/li>\n<li>Vereinigtes K\u00f6nigreich<\/li>\n<li>R. Dominicana<\/li>\n<li>Uruguay<\/li>\n<li>Venezuela<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8220;2_3&#8243; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; global_colors_info=&#8220;{}&#8220;][et_pb_image src=&#8220;https:\/\/ub-st.kodaconsulting.dev\/wp-content\/uploads\/2025\/10\/mapa-mundo.svg&#8220; alt=&#8220;ubimia Kundenkarte&#8220; align=&#8220;center&#8220; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; width=&#8220;100%&#8220; global_colors_info=&#8220;{}&#8220;][\/et_pb_image][et_pb_text _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; text_text_color=&#8220;#FFFFFF&#8220; text_orientation=&#8220;center&#8220; custom_padding=&#8220;16px||||false|false&#8220; global_colors_info=&#8220;{}&#8220;]<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ub-st.kodaconsulting.dev\/wp-content\/uploads\/2025\/10\/mint-bullet.svg\" width=\"16\" height=\"16\" alt=\"\" class=\"wp-image-32382 alignnone size-full\" style=\"vertical-align: -3px; margin-right: 8px;\">  ubimia B\u00fcros<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; hover_enabled=&#8220;0&#8243; global_colors_info=&#8220;{}&#8220; disabled_on=&#8220;off|on|on&#8220; admin_label=&#8220;Zeile Mobile Karte&#8220; sticky_enabled=&#8220;0&#8243; width_last_edited=&#8220;on|phone&#8220; width_phone=&#8220;90%&#8220;][et_pb_column type=&#8220;4_4&#8243; admin_label=&#8220;Spalte {flex space-between}&#8220; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; hover_enabled=&#8220;0&#8243; global_colors_info=&#8220;{}&#8220; sticky_enabled=&#8220;0&#8243;][et_pb_image src=&#8220;https:\/\/ub-st.kodaconsulting.dev\/wp-content\/uploads\/2025\/10\/mapa-mundo.svg&#8220; alt=&#8220;ubimia Kundenkarte&#8220; align=&#8220;center&#8220; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; width=&#8220;100%&#8220; hover_enabled=&#8220;0&#8243; global_colors_info=&#8220;{}&#8220; admin_label=&#8220;Mapa clientes&#8220; sticky_enabled=&#8220;0&#8243; custom_margin=&#8220;||32px||false|false&#8220;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; hover_enabled=&#8220;0&#8243; sticky_enabled=&#8220;0&#8243; disabled_on=&#8220;off|on|on&#8220; admin_label=&#8220;Mobile B\u00fcrozeile&#8220; width_last_edited=&#8220;on|phone&#8220; width_phone=&#8220;90%&#8220;][et_pb_column _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; type=&#8220;4_4&#8243; hover_enabled=&#8220;0&#8243; sticky_enabled=&#8220;0&#8243; custom_css_free_form=&#8220;selector {||  display:flex;||  flex-flow: row nowrap;||  justify-content:space-between;||  align-items:stretch;||  gap:18px;||}&#8220;][et_pb_text ul_type=&#8220;none&#8220; ul_item_indent=&#8220;1px&#8220; module_id=&#8220;clientes&#8220; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; text_text_color=&#8220;#FFFFFF&#8220; hover_enabled=&#8220;0&#8243; global_colors_info=&#8220;{}&#8220; sticky_enabled=&#8220;0&#8243; admin_label=&#8220;Sedes 01&#8243;]<\/p>\n<ul class=\"listado-oficinas\">\n<li class=\"oficina\">Deutschland<\/li>\n<li class=\"oficina\">Argentinien<\/li>\n<li>\u00d6sterreich<\/li>\n<li>Kap Verde<\/li>\n<li class=\"oficina\">Chile<\/li>\n<li class=\"oficina\">Kolumbien<\/li>\n<li>C\u00f4te d&#8217;Ivoire<\/li>\n<li>Ecuador<\/li>\n<li>El Salvador<\/li>\n<li>Slowenien<\/li>\n<li class=\"oficina\">Spanien<\/li>\n<li>Vereinigte Staaten<\/li>\n<li class=\"oficina\">Frankreich<\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text ul_type=&#8220;none&#8220; ul_item_indent=&#8220;1px&#8220; module_id=&#8220;clientes&#8220; _builder_version=&#8220;4.27.4&#8243; _module_preset=&#8220;default&#8220; text_text_color=&#8220;#FFFFFF&#8220; hover_enabled=&#8220;0&#8243; global_colors_info=&#8220;{}&#8220; admin_label=&#8220;Sedes 02&#8243; sticky_enabled=&#8220;0&#8243;]<\/p>\n<ul class=\"listado-oficinas\">\n<li>Irland<\/li>\n<li>Italien<\/li>\n<li>Luxemburg<\/li>\n<li class=\"oficina\">Mexiko<\/li>\n<li>Marokko<\/li>\n<li>Norwegen<\/li>\n<li>Paraguay<\/li>\n<li class=\"oficina\">Peru<\/li>\n<li>Portugal<\/li>\n<li>Vereinigtes K\u00f6nigreich<\/li>\n<li>R. 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