{"id":9585,"date":"2023-06-13T08:22:41","date_gmt":"2023-06-13T06:22:41","guid":{"rendered":"https:\/\/www.contovista.com\/products\/multibanking-for-retail\/"},"modified":"2025-05-05T09:48:59","modified_gmt":"2025-05-05T07:48:59","slug":"multibanking-for-retail","status":"publish","type":"page","link":"https:\/\/www.contovista.com\/en\/products\/personal-finance-manager\/multibanking-for-retail\/","title":{"rendered":"Multibanking for Retail"},"content":{"rendered":"<section height=\"710\" class=\"hero hero--diagonal   logo-color logo-color-white no-lazy\">\n  <div class=\"container container--standard\">\n    <div class=\"hero__wrapper flex row jscb\">\n\n            <div class=\"hero__info  hero__info--full hero__info--for-standard-image\">\n\n        <!-- Article data  -->\n                <!-- Article data  -->\n\n        <!-- Titles  -->\n                              <h1 class=\"white\">Multibanking<\/h1>\n                   \n\n                <!-- Titles  -->\n\n        <!-- Description  -->\n                  <p class=\"white hero__info-description-desktop\">Multibanking for retail customers allows you to manage bank accounts from different institutions in one central location.  This is what having a holistic view of your finances looks like.\r\n<\/p>\n                          <p class=\"white hero__info-description-mobile\">Multibanking for retail customers allows you to manage bank accounts from different institutions in one central location.<\/p>\n                <!-- Description  -->\n\n        <!-- Button  -->\n        \t\t\t  <a \n\t\t\t\thref=\"https:\/\/www.contovista.com\/en\/contact\/\" \n\t\t\t\tclass=\"btn\"\n\t\t\t\tdata-modal=\"modal-hero\"\n\t\t\t\ttarget=\"\">\n\t\t\t\tContact our experts \n\t\t\t  <\/a>\n         \n        <!-- Button  -->\n\n        <!-- Clients slider  -->\n                <!-- Clients slider  -->\n\n\n      <\/div>\n\n      <!-- Image \/ Lottie  -->\n              <div class=\"hero__image hero__image--standard\"> \n          <img decoding=\"async\" \n            class=\"no-lazy\"\n            src=\"https:\/\/www.contovista.com\/wp-content\/uploads\/2023\/05\/Illustrations-1200x630px_multibanking.png\" \n            alt=\"\"\n            caption=\"\"\n            description=\"\"\n            fetchpriority=\"high\">\n        <\/div> \n            <!-- Image \/ Lottie  -->\n\n    <\/div>\n  <\/div>\n<\/section> \n\n\n \n\n\r\n\r\n<div class=\"breadcrumbs\">\r\n  <div class=\"container\">\r\n    <div class=\"breadcrumbs__wrapper flex row aic\">\r\n      <nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Home<\/span><\/p><\/nav>    <\/div> \r\n  <\/div>\r\n<\/div>\r\n\r\n\n\n\r\n<section class=\"title-copy section logo-color logo-color-dark\"  >\r\n  <div class=\"container\">\r\n    <div class=\"title-copy__wrapper\">\r\n          <h2>Multibanking for retail customers<\/h2>\r\n          <div class=\"textbox\">\r\n        <p>Contovista&#8217;s multibanking solution seamlessly integrates with any digital banking system, independent of the core banking system. As a \u201cservice user\u201d, Contovista can already offer full multibanking capabilities with platforms such as bLink.<\/p>\n<p>With automated account aggregation in multibanking, your customers can reap the benefits of automated balance reconciliation and a real-time consolidated overview of their finances. They can access all their accounts from different banks in one digital banking environment with a single login. This streamlined approach simplifies the management of multiple accounts, enhances transparency, and offers greater convenience for users.<\/p>      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\n\n\n<section class=\"section demo logo-color logo-color-dark\" data-is-animated=\"\"  >\n  <div class=\"container\">\n      <h2>Full overview thanks to multibanking<\/h2>\n  \n    <div class=\"demo__wrapper flex jcfe\">\n\n      <div class=\"demo__images\">\n                    \n                    \n          <div class=\"demo__item-image demo__item-image--active\">\n            <img decoding=\"async\" \n              src=\"https:\/\/www.contovista.com\/wp-content\/uploads\/2023\/06\/Multibankingvideo_1-1.png\"  \n              alt=\"\"\n              caption=\"\"\n              description=\"\">\n          <\/div>\n\n          \n                  \n                    \n          <div class=\"demo__item-image\">\n            <img decoding=\"async\" \n              src=\"https:\/\/www.contovista.com\/wp-content\/uploads\/2023\/06\/Multibankingvideo_2-1.png\"  \n              alt=\"\"\n              caption=\"\"\n              description=\"\">\n          <\/div>\n\n          \n                  \n                    \n          <div class=\"demo__item-image\">\n            <img decoding=\"async\" \n              src=\"https:\/\/www.contovista.com\/wp-content\/uploads\/2023\/06\/Multibankingvideo_3-1.png\"  \n              alt=\"\"\n              caption=\"\"\n              description=\"\">\n          <\/div>\n\n          \n                   \n            <\/div>\n      <div class=\"demo__items\">\n                  <div class=\"demo__item demo__item--active\" data-demo-item=\"1\">\n            <div class=\"demo__item-wrapper flex row aifs\">\n              <div class=\"demo__item-num flex aic jcc\">1<\/div>\n              <div class=\"demo__item-info\">\n                <h3 class=\"demo__item-title fw700 h5\">Effortless bank integration<\/h3>\n                <div class=\"demo__item-description\">\n                  <p>Your customers can seamlessly add new banks to their digital banking account with just a few clicks.<\/p>\n                <\/div>\n              <\/div>\n            <\/div>\n          <\/div>\n                    <div class=\"demo__item\" data-demo-item=\"2\">\n            <div class=\"demo__item-wrapper flex row aifs\">\n              <div class=\"demo__item-num flex aic jcc\">2<\/div>\n              <div class=\"demo__item-info\">\n                <h3 class=\"demo__item-title fw700 h5\">Comprehensive financial overview<\/h3>\n                <div class=\"demo__item-description\">\n                  <p>Get an instant financial overview thanks to automated account aggregation of all linked accounts.<\/p>\n                <\/div>\n              <\/div>\n            <\/div>\n          <\/div>\n                    <div class=\"demo__item\" data-demo-item=\"3\">\n            <div class=\"demo__item-wrapper flex row aifs\">\n              <div class=\"demo__item-num flex aic jcc\">3<\/div>\n              <div class=\"demo__item-info\">\n                <h3 class=\"demo__item-title fw700 h5\">Simplified access with one login<\/h3>\n                <div class=\"demo__item-description\">\n                  <p>Automatic categorisation of connected accounts, including transaction data enrichment with merchant logos and \u201cpretty names\u201d<\/p>\n                <\/div>\n              <\/div>\n            <\/div>\n          <\/div>\n                <\/div>\n    <\/div>\n\n\n    <!-- Button  -->\n \t \n\n             \n    <!-- Button  -->\n\n    \n  <\/div> \n<\/section>\n\n<!-- modal  -->\n\n\n<section class=\"video section logo-color logo-color-white\"  >\n  <div class=\"container\">\n    <div class=\"video__wrapper\">\n              <h2>Multibanking with Contovista<\/h2>\n            \n      <div class=\"video__inner-wrapper\">\n       \n\n        <div class=\"cookieconsent-optout-marketing\">\n\t\t\t  <div class=\"gray-video-placeholder\">\n\t\t\t\t  \t\t\t\t  <p>Please <a href=\"javascript:Cookiebot.renew()\"> accept marketing-cookies <\/a> to watch this video.<\/p>\n\t\t\t  <\/div>\n\t\t  <\/div>\n\n        \t\t\t<iframe \n\t\t\t  data-cookieblock-src=\"https:\/\/www.youtube.com\/embed\/FfpQrV-qQ2o\"\n\t\t\t  data-cookieconsent=\"marketing\"\n\t\t\t  title=\"YouTube video player\" \n\t\t\t  frameborder=\"0\" \n\t\t\t  allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; web-share\" \n\t\t\t  allowfullscreen>\n\t\t\t<\/iframe>\n\t\t\n        <!-- <div class=\"video__inner-wrapper-start-button\">\n          <svg class=\"video-start\" viewBox=\"0 0 92 92\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n            <circle opacity=\"0.9\" cx=\"46\" cy=\"46\" r=\"46\" fill=\"#00294B\"\/>\n            <path d=\"M66 46.5L35.25 64.2535L35.25 28.7465L66 46.5Z\" fill=\"#22ECBB\"\/>\n          <\/svg>\n\n        <\/div> -->\n\n      <\/div>\n\n\n      \n      \n    <\/div>\n  <\/div>\n<\/section>    \n\n\r\n<section class=\"title-copy section logo-color logo-color-dark\"  >\r\n  <div class=\"container\">\r\n    <div class=\"title-copy__wrapper\">\r\n          <h2>Set the course for the future today<\/h2>\r\n          <div class=\"textbox\">\r\n        <p>In spring 2023, the Swiss Bankers Association (SBA) and <strong>approximately 20 banks signed a <a href=\"https:\/\/www.swissbanking.ch\/_Resources\/Persistent\/4\/6\/1\/c\/461c66182d54e31c1b2e719d9c32c362ced8b75b\/Retail_Multibanking_MoU_DE.pdf\" target=\"_blank\" rel=\"noopener\">Memorandum of Understanding<\/a><\/strong> to facilitate the introduction of the first multibanking services for individual customers by mid-2025. The goal is to enhance interoperability and data exchange among banks, FinTechs, and other financial institutions.<\/p>\n<p><strong>Alongside<\/strong> the core multibanking functions, the <a href=\"https:\/\/www.contovista.com\/en\/products\/personal-finance-manager\/\">Personal Finance Manager (PFM<\/a>) offers your customers a range of additional benefits. For instance, transactions from external banks are automatically categorised, enriched, and can be analysed across all linked institutions.<\/p>\n<p>This enhancement in the informative value of the analytics provides significant advantages for users. As a bank, it translates into increased engagement and potential as well as targeted &amp; personalised cross- and upselling opportunities.<\/p>\n<p>By leveraging the full suite of PFM functions, your customers can actively enhance their financial situation. With multibanking and PFM, your institution becomes an even more vital interface and the primary financial touchpoint for your customers.<\/p>      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\n\n\r\n<div class=\"container section\">\r\n  <a href=\"https:\/\/www.contovista.com\/en\/focus-topics\/the-banking-of-the-future-open-finance\/\" data-modal=\"modal-\" target=\"_self\" id=\"\" class=\"btn btn--bordered btn--centered\">\r\n    Focus Topic: Open Finance, Open Banking and Multibanking \r\n\r\n         \r\n  <\/a>\r\n<\/div>\r\n\r\n  \r\n\r\n  \n\n\r\n<section \r\n  style=\"background: linear-gradient(90deg, rgba(34, 236, 187, 0.5) 0%, rgba(6, 78, 96, 0.5) 28.12%, rgba(0, 41, 75, 0.5) 100%),url(https:\/\/www.contovista.com\/wp-content\/uploads\/2022\/10\/Lounge-scaled.jpg);background-position: center; background-repeat:no-repeat; background-size: cover;\"\r\n  class=\"section contact contact--diagonal-up   logo-color logo-color-white\"  >\r\n  <div class=\"container\">\r\n    <div class=\"contact__wrapper\">\r\n          <h2 class=\"white\">Still got questions?<\/h2>\r\n          <p class=\"fw700 white\">If you have any further questions regarding Contovista&#8217;s multibanking offering for retail and business customers, or if you would like more information about the Memorandum of Understanding, please don&#8217;t hesitate to reach out to us.<\/p>\r\n\r\n      <!-- Button  -->\r\n       \r\n                  <a href=\"https:\/\/www.contovista.com\/en\/contact\/\" class=\"btn btn--gradient\" data-modal=\"modal-contacts\" target=\"_self\">\r\n        Get in touch \r\n        <span class=\"btn--gradient--span1\"><\/span>\r\n        <span class=\"btn--gradient--span2\"><\/span>\r\n      <\/a>\r\n      \r\n            <!-- Button  -->\r\n\r\n\r\n    <\/div>\r\n  <\/div>\r\n<\/section>  \r\n\r\n  \n\n\r\n<section class=\"section testimonials logo-color logo-color-dark\" >\r\n  \r\n  <div class=\"testimonials__wrapper flex row\">\r\n     \r\n\r\n            <div class=\"testimonial\">\r\n                              <div class=\"testimonial__logo\">\r\n                  <img decoding=\"async\" \r\n                    src=\"https:\/\/www.contovista.com\/wp-content\/uploads\/2022\/11\/Logo_der_Thurgauer_Kantonalbank.svg\" \r\n                    alt=\"Logo der Thurgauer Kantonalbank\" \r\n                    caption=\"\" \r\n                    description=\"\"> \r\n                <\/div>\r\n              \r\n                              <div class=\"testimonial__image\">\r\n                  <img decoding=\"async\" \r\n                    src=\"https:\/\/www.contovista.com\/wp-content\/uploads\/2022\/11\/TKB_Andreas-Lenke.png\" \r\n                    alt=\"TKB_Andreas Lenke\" \r\n                    caption=\"\" \r\n                    description=\"\">\r\n                <\/div>\r\n              \r\n              <h4 class=\"testimonial__title teal fw700\">Andreas Lenke<\/h4>\r\n              <h5 class=\"testimonial__subtitle fw700\">Manager Strategic Projects at Thurgauer Kantonalbank<\/h5>\r\n              <p class=\"testimonial__text dark-sky-80\">\u00ab With the personal financial assistant, we offer our customers great added value right from the start of the new portal and can, among other things, fulfil their wish for a clear and attractive presentation of their private finances. \u00bb<\/p>\r\n            <\/div>\r\n\r\n           \r\n\r\n            <div class=\"testimonial\">\r\n                              <div class=\"testimonial__logo\">\r\n                  <img decoding=\"async\" \r\n                    src=\"https:\/\/www.contovista.com\/wp-content\/uploads\/2022\/10\/valiant-bank-ag-vector-logo-1.png\" \r\n                    alt=\"\" \r\n                    caption=\"\" \r\n                    description=\"\"> \r\n                <\/div>\r\n              \r\n                              <div class=\"testimonial__image\">\r\n                  <img decoding=\"async\" \r\n                    src=\"https:\/\/www.contovista.com\/wp-content\/uploads\/2022\/09\/Valiant_Christoph-Wille-e1723468384228.jpg\" \r\n                    alt=\"\" \r\n                    caption=\"\" \r\n                    description=\"\">\r\n                <\/div>\r\n              \r\n              <h4 class=\"testimonial__title teal fw700\">Christoph Wille<\/h4>\r\n              <h5 class=\"testimonial__subtitle fw700\">Head of Sales Channels and Member of the Executive Board at Valiant Bank AG<\/h5>\r\n              <p class=\"testimonial__text dark-sky-80\">\u00ab With the Multibanking Service we are responding to the high demand from our business customers for a comprehensive overview of their accounts with Valiant and other banks. In combination with the BFM, we are offering an exclusive service in Switzerland, enabling SMEs to easily manage their finances and liquidity across banks. This represents a clear differentiating factor and strengthens our position as a modern SME bank. \u00bb<\/p>\r\n            <\/div>\r\n\r\n           \r\n\r\n            <div class=\"testimonial\">\r\n                              <div class=\"testimonial__logo\">\r\n                  <img decoding=\"async\" \r\n                    src=\"https:\/\/www.contovista.com\/wp-content\/uploads\/2022\/09\/Logo_der_Schwyzer_Kantonalbank-1.svg\" \r\n                    alt=\"test\" \r\n                    caption=\"test\" \r\n                    description=\"test\"> \r\n                <\/div>\r\n              \r\n                              <div class=\"testimonial__image\">\r\n                  <img decoding=\"async\" \r\n                    src=\"https:\/\/www.contovista.com\/wp-content\/uploads\/2022\/09\/SKZB_Dominik_Gabler-e1666273172408.png\" \r\n                    alt=\"\" \r\n                    caption=\"\" \r\n                    description=\"\">\r\n                <\/div>\r\n              \r\n              <h4 class=\"testimonial__title teal fw700\">Dominik Gabler<\/h4>\r\n              <h5 class=\"testimonial__subtitle fw700\">Data Scientist at SZKB<\/h5>\r\n              <p class=\"testimonial__text dark-sky-80\">\u00ab The solutions in analytics and machine learning make it possible to analyze and address individual customer needs and use the insights gained profitably. Contovista is an ideal partner and source of inspiration for Schwyzer Kantonalbank and regularly provides inspiration on how we can exploit untapped business potential in the digital world.  \u00bb<\/p>\r\n            <\/div>\r\n\r\n           \r\n\r\n            <div class=\"testimonial\">\r\n                              <div class=\"testimonial__logo\">\r\n                  <img decoding=\"async\" \r\n                    src=\"https:\/\/www.contovista.com\/wp-content\/uploads\/2022\/09\/Neon_Logo_600PPI_RGB-e1668084547618.png\" \r\n                    alt=\"Logo von Neon\" \r\n                    caption=\"\" \r\n                    description=\"\"> \r\n                <\/div>\r\n              \r\n                              <div class=\"testimonial__image\">\r\n                  <img decoding=\"async\" \r\n                    src=\"https:\/\/www.contovista.com\/wp-content\/uploads\/2022\/11\/NEON_Simon-Youssef.png\" \r\n                    alt=\"\" \r\n                    caption=\"\" \r\n                    description=\"\">\r\n                <\/div>\r\n              \r\n              <h4 class=\"testimonial__title teal fw700\">Dr. Simon Youssef<\/h4>\r\n              <h5 class=\"testimonial__subtitle fw700\">Co-founder Neon<\/h5>\r\n              <p class=\"testimonial__text dark-sky-80\">\u00ab As a young Fintech we were looking for a dynamic product and besides the clean API interface the fast and unbureaucratic cooperation with Contovista convinced us from the beginning. \u00bb<\/p>\r\n            <\/div>\r\n\r\n           \r\n\r\n            <div class=\"testimonial\">\r\n                              <div class=\"testimonial__logo\">\r\n                  <img decoding=\"async\" \r\n                    src=\"https:\/\/www.contovista.com\/wp-content\/uploads\/2022\/09\/800px-Aargauische_Kantonalbank_logo.svg.png\" \r\n                    alt=\"\" \r\n                    caption=\"\" \r\n                    description=\"\"> \r\n                <\/div>\r\n              \r\n                              <div class=\"testimonial__image\">\r\n                  <img decoding=\"async\" \r\n                    src=\"https:\/\/www.contovista.com\/wp-content\/uploads\/2022\/09\/akb_Marti_Fabian_farbig.jpg\" \r\n                    alt=\"\" \r\n                    caption=\"\" \r\n                    description=\"\">\r\n                <\/div>\r\n              \r\n              <h4 class=\"testimonial__title teal fw700\">Fabian Marti<\/h4>\r\n              <h5 class=\"testimonial__subtitle fw700\">Head of Digital Solutions at Aargauischen Kantonalbank<\/h5>\r\n              <p class=\"testimonial__text dark-sky-80\">\u00ab Digitization covers all areas of a company and is becoming increasingly important in the financial sector. With Contovista&#039;s financial assistants, we therefore offer our private and business customers modern extensions to the AKB portal. The services were immediately received positively by our customers and make digital banking even more personal \u00bb<\/p>\r\n            <\/div>\r\n\r\n           \r\n\r\n            <div class=\"testimonial\">\r\n                              <div class=\"testimonial__logo\">\r\n                  <img decoding=\"async\" \r\n                    src=\"https:\/\/www.contovista.com\/wp-content\/uploads\/2022\/11\/Group-3.svg\" \r\n                    alt=\"\" \r\n                    caption=\"\" \r\n                    description=\"\"> \r\n                <\/div>\r\n              \r\n                              <div class=\"testimonial__image\">\r\n                  <img decoding=\"async\" \r\n                    src=\"https:\/\/www.contovista.com\/wp-content\/uploads\/2022\/09\/Viseca_Roland-Zwyssig.jpg\" \r\n                    alt=\"\" \r\n                    caption=\"\" \r\n                    description=\"\">\r\n                <\/div>\r\n              \r\n              <h4 class=\"testimonial__title teal fw700\">Roland Zwyssig<\/h4>\r\n              <h5 class=\"testimonial__subtitle fw700\">Viseca Payment Services SA, Senior Advisor <\/h5>\r\n              <p class=\"testimonial__text dark-sky-80\">\u00ab The cooperation with Contovista can help established financial institutions to introduce innovative services and functions faster. Viseca strives to play a pioneering role in the digitisation of credit cards and, together with partners from the Fintech sector, to create added value for both partner banks and credit card customers. \u00bb<\/p>\r\n            <\/div>\r\n\r\n                              <\/div>\r\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":4,"featured_media":9461,"parent":2390,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-9585","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/pages\/9585","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/comments?post=9585"}],"version-history":[{"count":10,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/pages\/9585\/revisions"}],"predecessor-version":[{"id":13725,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/pages\/9585\/revisions\/13725"}],"up":[{"embeddable":true,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/pages\/2390"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/media\/9461"}],"wp:attachment":[{"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/media?parent=9585"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}