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Banking customers today expect a seamless digital service and outstanding user experience as standard. Open Finance is helping the Swiss banking community to open up and actively shape this opening despite a lack of regulation.
Swisscom offers a wide range of interfaces that require no special knowledge to use.
Rapid prototyping and sandboxing to facilitate product and process configuration and optimisation, and the swift integration of innovations.
Swisscom Security Management guarantees maximum data security across all interfaces.
With its extensive cross-sector expertise and experience, Swisscom offers connectivity far beyond banking.
Customer needs are changing rapidly. In the past, customers visited banks in person; today, they do their banking using the bank’s digital and physical touchpoints – tomorrow, they will be using a single, provider-independent environment that meets all their needs.
Banks have an obligation to reliably identify politically exposed persons and observe compliance guidelines.
The Open Business Hub uses a Pythagoras API for automated, accurate PEP detection and compliance verification, reducing manual effort and regulatory risk without requiring the customer to build the necessary expertise itself.
Challenge: retail customers want a holistic view of their financial situation and the ability to plan and optimise all aspects of personal finance over the long term.
Swisscom has joined forces with 23 banks and SIX (under a Memorandum of Understanding) to actively drive forward this initiative with the Account Information Service API via SIX bLink. It is therefore helping banks to strengthen end customer satisfaction and loyalty.
Challenge: business customers need their banking transactions to be perfectly synchronised with their accounting software.
The Open Business Hub establishes a direct connection between bank accounts and accounting software such as Klarna and bexio (via AIS/PSS API via SIX bLink), automates data exchange and thus increases efficiency. This allows banks to increase SME customer loyalty while also taking advantage of upselling and cross-selling opportunities.
Challenge: integrating external asset managers into existing banking systems is often a complex and time-consuming process.
The Open Business Hub facilitates the fast and secure connection of external asset managers, optimises processes and extends the service offering by connecting third parties such as Assetmax, evoq, evolut, WealthArc, etc. (via Open Wealth API and SIX bLink).
Challenge: coordinating personal appointments can be a long and drawn-out task for both customers and advisors.
By integrating digital scheduling API ‘at point’ into a bank’s IT environment, the Open Business Hub enables efficient, flexible scheduling.