{"id":11414,"date":"2023-11-06T14:48:34","date_gmt":"2023-11-06T13:48:34","guid":{"rendered":"https:\/\/www.contovista.com\/news_latest-news\/interview-with-rene-kohler\/"},"modified":"2024-05-10T14:02:35","modified_gmt":"2024-05-10T12:02:35","slug":"interview-with-rene-kohler","status":"publish","type":"post","link":"https:\/\/www.contovista.com\/en\/news\/latest-news\/rene-kohler-interview\/","title":{"rendered":"Interview with Ren\u00e9 Kohler"},"content":{"rendered":"<section height=\"710\" class=\"hero hero--diagonal hero--blue 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--small hero__info--for-standard-image\">\n\n        <!-- Article data  -->\n        \n                    <a \n            href=\"https:\/\/www.contovista.com\/en\/news\/latest-news\/\" \n            class=\"hero__go-back-link\">\n            back to the overview          <\/a>\n          <div class=\"article__data article__data--postpage flex row aic\">\n            <span>06.11.2023<\/span>\n\n                        <span>18 min read<\/span> \n          <\/div>\n                <!-- Article data  -->\n\n        <!-- Titles  -->\n                              <h1 class=\"white\">Interview with Ren\u00e9 Kohler<\/h1>\n                   \n\n                <!-- Titles  -->\n\n        <!-- Description  -->\n                        <!-- Description  -->\n\n        <!-- Button  -->\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\/11\/Rene-Kohler-e1699448910670.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>Interview with Ren\u00e9 Kohler<\/h2>\r\n          <div class=\"textbox\">\r\n        <p><strong><em>Our CEO Ren\u00e9 Kohler talks to <a href=\"http:\/\/www.moneycab.ch\" target=\"_blank\" rel=\"noopener\">moneycab<\/a> about data-driven banking and Contovista&#8217;s goals both for today and the future. The interview was conducted by Helmuth Fuchs (moneycab).<\/em><\/strong><\/p>      <\/div>\r\n    <\/div>\r\n  <\/div>\r\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          <div class=\"textbox\">\r\n        <p><strong><em>moneycab: <\/em>Mr Kohler, 9 years after the launch and proof of concept, Finnova acquired Contovista from Viseca in 2022. How has this affected Contovista&#8217;s strategy, and what were some of the key changes brought about by the new owner?<\/strong><\/p>\n<p><em>Ren\u00e9<\/em>: Contovista combines design, technology, and data analytics to create unique banking experiences for bank customers and financial institutions. This has been the intention and driving force from the very beginning and has not changed with the acquisition by Finnova. Contovista continues to develop data-driven finance management solutions, with a core focus on enriching and processing transaction data. These solutions are integrated into banking platforms from various manufacturers, thereby maintaining independence from the core banking system.<\/p>\n<p>Non-Finnova banks and other core banking system providers will continue to be integrated in the same way as they are today. With the acquisition, there is definitely a certain expectation from Finnova banks (which currently make up around 35% of our customers). We aim to meet these expectations by enhancing integration into existing Finnova solutions. At the same time, we plan to introduce new offerings in data-driven banking for all banks. Our goal is to strengthen the financial landscape of tomorrow through data-driven innovation, which means that we\u2019ll collaborate even more closely in eco-networks. As pioneers in open banking, we will continue to prioritise and invest in open banking and open data.<\/p>      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\n\n\r\n<section class=\"quote section logo-color logo-color-dark\"  >\r\n  <div class=\"container\">\r\n    <div class=\"quote__wrapper\">\r\n      <p class=\"dark-sky-80\">\u00abOur goal is to strengthen the financial landscape of tomorrow through data-driven innovation, which means that we\u2019ll collaborate even more closely in eco-networks\u00bb<\/p>\r\n      <p class=\"fw700\">Ren\u00e9 Kohler, CEO Contovista<\/p>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\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          <div class=\"textbox\">\r\n        <p><strong><em>moneycab: <\/em>You became CEO of Contovista in May 2023, previously serving as Head of IT at Valiant Bank for 6.5 years. CIO and CEO are two very different roles. From a personal perspective, where do you identify areas for further learning, and how are you addressing them?<\/strong><\/p>\n<p><em>Ren\u00e9<\/em>: During my career, I\u2019ve had the opportunity to work extensively at the interesting intersection between business and IT. The goal was to provide IT business solutions that optimally support both the business and customers while striking a healthy balance between benefits and costs. The difference between a CIO of a bank and a CEO of a software solutions provider is not that great in this regard.<\/p>\n<p>However, being a CEO is significantly broader in scope. It is essential to align the entire company with strategic goals, encompassing not only business alignment, development, and project management but also sales, marketing, and product management. At our size, aligning skills is crucial to ensuring an effective team. To achieve this, I exchange ideas with other companies and FinTechs to discover how this is done successfully elsewhere. Sharing ideas with customers is also crucial for better understanding the challenges they face and where we can make a contribution.<\/p>      <\/div>\r\n    <\/div>\r\n  <\/div>\r\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          <div class=\"textbox\">\r\n        <p><em><strong>moneycab: <\/strong><\/em><strong>Contovista has been developing data-driven analytics solutions since the very outset to provide users with a deeper understanding of their financial situation (data-driven banking, DDB). How can bank customers benefit from these solutions today?<\/strong><\/p>\n<p><em>Ren\u00e9<\/em>: Our range of services such as Personal Finance Management (PFM) and customised insights provide customers with greater transparency and a better understanding of their financial situation. Multibanking offers a consolidated view of all finances across all banks in real time, while our \u201cintelligent tax deductions\u201d module automatically identifies and categorises tax-relevant items and transactions.<\/p>\n<p>The Carbon Footprint Manager, which we launched in summer 2022, helps you to understand your personal consumption-related CO2 emissions. It also provides tips on possible improvements and relevant product recommendations.<\/p>\n<p>All this leads to greater control over the bank customer&#8217;s own finances and ultimately to improved financial health.<\/p>      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\n\n\r\n<section class=\"quote section logo-color logo-color-dark\"  >\r\n  <div class=\"container\">\r\n    <div class=\"quote__wrapper\">\r\n      <p class=\"dark-sky-80\">\u00abOur range of services such as Personal Finance Management (PFM) and customised insights provide customers with greater transparency and a better understanding of their financial situation.\u00bb<\/p>\r\n      <p class=\"fw700\"><\/p>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\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          <div class=\"textbox\">\r\n        <p><strong><em>moneycab: <\/em>What are the biggest opportunities and risks of data-driven banking for financial institutions?<\/strong><\/p>\n<p><em>Ren\u00e9<\/em>: A wealth of data is generated relating to people\u2019s financial lives, which of course accurately records behaviour and developments. Data-driven banking provides a broad spectrum of insights and knowledge, helping banks to provide their customers with advice tailored to their individual needs and to provide personalised offers directly in digital banking. Furthermore, data-driven banking helps banks to make informed decisions, improve their services, and make their processes more efficient overall.<\/p>\n<p>Data-driven banking also helps to enhance customer service, boost efficiency, and minimise risks, for example by detecting fraud, assessing credit risks, etc.<\/p>\n<p>Data-driven banking offers many advantages and helps banks to manage operational risks. We address the risks associated with using data through appropriate security measures, consistent handling of CID (customer identifying data), and compliance with legal regulations.<\/p>      <\/div>\r\n    <\/div>\r\n  <\/div>\r\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          <div class=\"textbox\">\r\n        <p><strong><em>moneycab: <\/em>Artificial intelligence and large language models (LLM) have aroused enormous interest among the wider population thanks to applications such as ChatGPT. Where do you use these technologies at Contovista, and what do you see as the next technological developments to shape the financial sector?<\/strong><\/p>\n<p><em>Ren\u00e9<\/em>: The potential of the technology has been known for some time. I myself am pleasantly surprised by the revolutionary spread of these AI applications and how easily they can be used to provide support \u2013 and this is just the beginning of the journey.<\/p>\n<p>With publicly accessible LLMs (large learning models) and specifically trained and deployed LLMs and applications based on them, the potential is huge. This is particularly true when it comes to extracting targeted and useful information from the \u201cinfinite\u201d and diverse data streams.<br \/>\nProcessing over 400 million transactions per month requires highly efficient and high-performance algorithms. We use machine learning for data enrichment to process data efficiently.<\/p>\n<p>AI will continue to shape and change the financial sector. This is why it is important for us at Contovista to be at the forefront, analysing the solutions in detail and taking the latest findings into account. The aim is to secure our expertise and further extend our competitive edge.<\/p>      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\n\n\r\n<section class=\"quote section logo-color logo-color-dark\"  >\r\n  <div class=\"container\">\r\n    <div class=\"quote__wrapper\">\r\n      <p class=\"dark-sky-80\">\u00abWith publicly accessible LLMs (large learning models) and specifically trained and deployed LLMs and applications based on them, the potential is huge.\u00bb<\/p>\r\n      <p class=\"fw700\"><\/p>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\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          <div class=\"textbox\">\r\n        <p><em><strong>moneycab: <\/strong><\/em><strong>Analysing customer data, especially when it takes place across departments or even across banks, is subject to strict data protection requirements. How do you deal with this, and what approaches are there to ensure that governance and data protection don&#8217;t hinder innovation?<\/strong><\/p>\n<p><em>Ren\u00e9<\/em>: The broad use of data (across departments and banks) is of great importance for performing targeted and beneficial analyses. Consequently, protecting data and processing procedures is absolutely vital here.<\/p>\n<p>One approach is to ensure technological and procedural protection from the very outset \u2013 data protection by design. Another approach is the clear separation of CI data and transaction data as well as the use of data anonymisation and data encryption. The challenge here, however, is still the provision of data by customers and banks. After all, data analytics requires access to data.<\/p>      <\/div>\r\n    <\/div>\r\n  <\/div>\r\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          <div class=\"textbox\">\r\n        <p><em><strong>moneycab: <\/strong><\/em><strong>As most customers have more than one banking relationship, multi-bank capability, which depends heavily on open interfaces, is crucial for gaining a complete overview of a customer&#8217;s financial situation. While the EU largely regulates this issue with PSD2, it is still voluntary in Switzerland. Where does Switzerland stand in international competition and where is there a need for action?<\/strong><\/p>\n<p><em>Ren\u00e9<\/em>: Switzerland is taking a very pragmatic approach to this issue. This could be interpreted as being tailored to the situation, one step at a time, or as lacking courage and not being customer-centric.<\/p>\n<p>The Swiss financial sector has nothing to hide; we have many innovative FinTechs. However, we don&#8217;t always provide them with an ideal environment in which to implement solutions widely. The benefits for financial institutions and their customers don&#8217;t yet seem to be understood by all players in the market, especially when it comes to \u201cbeyond banking offerings\u201d. That\u2019s why I would wish for a more proactive approach in Switzerland, tackling the topics of openness, open banking, and collaboration with others with greater courage. It doesn&#8217;t always require the threatening hand of regulation, especially when it comes to being innovative and customer-centric.<\/p>      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\n\n\r\n<section class=\"quote section logo-color logo-color-dark\"  >\r\n  <div class=\"container\">\r\n    <div class=\"quote__wrapper\">\r\n      <p class=\"dark-sky-80\">\u00abThat\u2019s why I would wish for a more proactive approach in Switzerland, tackling the topics of openness, open banking, and collaboration with others with greater courage.\u00bb<\/p>\r\n      <p class=\"fw700\"><\/p>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\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          <div class=\"textbox\">\r\n        <p><strong><em>moneycab: <\/em>As a technological approach, data-driven banking is dependent on the technological capability of banks and their customers. Where does Switzerland stand by international standards?<\/strong><\/p>\n<p><em>Ren\u00e9<\/em>: Technological development in recent years has been tremendous, and the trend indicates further acceleration. Switzerland is fundamentally in an excellent position here. We have a favourable environment for FinTechs and excellent universities that play in the top league technologically. This is also reflected in the strong appeal for the many large international companies.<\/p>\n<p>Today, users across all age groups are already using many new technologies, namely smartphones and apps with great user experience (UX). Bank customers also expect a top UX as well as the use of these new technologies.<br \/>\nWhen it comes to specific implementation by banks, we still perceive some restraint. However, the new technologies offer significant potential to efficiently serve customers in various segments. This includes customers who require a lot of advice with specific insights and recommendations, as well as customers with little to no advisory needs with an efficient yet individualised approach.<\/p>\n<p>To enhance competitiveness, Swiss financial institutions should promote innovation and FinTech solutions. For me, this also includes collaboration with FinTechs and start-ups. The development of innovative financial products and services, the promotion of open banking, and the integration of AI solutions are all part of this.<\/p>      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\n\n\r\n<section class=\"quote section logo-color logo-color-dark\"  >\r\n  <div class=\"container\">\r\n    <div class=\"quote__wrapper\">\r\n      <p class=\"dark-sky-80\">\u00abTo enhance competitiveness, Swiss financial institutions should promote innovation and FinTech solutions.\u00bb<\/p>\r\n      <p class=\"fw700\"><\/p>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\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          <div class=\"textbox\">\r\n        <p><strong><em>moneycab<\/em>: FinTechs strive primarily to excel with features that captivate customers through simplicity and data-driven insights. Above all, this requires new technologies and fewer traditional customer advisors. How do you perceive the role of traditional banks in this development, and how will it change the banking landscape in Switzerland?<\/strong><\/p>\n<p><em>Ren\u00e9<\/em>: I don&#8217;t see this as one or the other. Both have their legitimate importance. FinTechs often need a banking-related framework and traditional banks need a catalyst for innovation. Despite all the AI functions, professional advice will still be needed in the future. However, these advisors will be able to use state-of-the-art digital, understandable, and data-driven tools \u2013 sometimes in collaboration with customers.<\/p>\n<p>In particular, the new technology offers great potential to efficiently serve customer segments that do not require personalised advice and still provide them with optimal support.<\/p>\n<p>In an ideal world, future banking will be characterised by a combination of professional advice and modern technology. This will also strengthen cooperation and activities in ecosystems. It will enable banks to access the technological expertise, innovative strength, and agility of FinTechs, allowing them to bring solutions to market more quickly. And it will help small start-ups to benefit from the customer relationship and regulatory know-how of banks.<\/p>      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\n\n\r\n<section class=\"quote section logo-color logo-color-dark\"  >\r\n  <div class=\"container\">\r\n    <div class=\"quote__wrapper\">\r\n      <p class=\"dark-sky-80\">\u00abPromoting impact investing in data-driven banking requires access to relevant data sources, including ESG data providers.\u00bb<\/p>\r\n      <p class=\"fw700\"><\/p>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\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          <div class=\"textbox\">\r\n        <p><strong><em>moneycab<\/em>: An increasingly important topic for investors is what they can change with their investments in terms of the environment or social living conditions (impact investing). How does this dimension find its way into data-driven banking and Contovista&#8217;s solutions?<\/strong><\/p>\n<p><em>Ren\u00e9<\/em>: I think it\u2019s great that people are thinking more and more about sustainability and their own behaviour in this area. There are already banks with models for green investing that work with AI to take greater account of these new requirements of the investment community. However, the potential here is far from fully tapped. Data is also an important factor in this area. Promoting impact investing in data-driven banking requires access to relevant data sources, including ESG data providers.<\/p>\n<p>As a first step, our offering gives banks the opportunity to engage with their customers in a user-friendly manner. With the Carbon Footprint Manager, which we launched with the help of our partner Deedster, we have expanded our solutions for banks to offer their customers comprehensive insights into their consumer behaviour and impact on the environment. This way, customers have a transparent overview (directly in banking, without additional third-party tools) of the CO2 impact generated by their consumption behaviour. This increases their understanding and gives them a solid basis for making decisions, such as behaviour choices or where to invest their capital.<\/p>      <\/div>\r\n    <\/div>\r\n  <\/div>\r\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          <div class=\"textbox\">\r\n        <p><strong><em>moneycab<\/em>: Medium-sized and smaller financial institutions in particular rely on external providers on banking platforms. How willing are these providers to integrate Contovista solutions into their own platforms?<\/strong><\/p>\n<p><em>Ren\u00e9<\/em>: The use of banking platforms as SaaS or cloud solutions will continue to increase. This also makes sense from an economic perspective. What the respective providers of banking platforms offer financial institutions depends heavily on how innovatively these providers position themselves.<\/p>\n<p>Medium-sized and smaller financial institutions are also realising that bank customers now expect more and more. If banks are unable to meet these expectations in-house due to a lack of expertise or resources, offerings like ours are a great help.<\/p>\n<p>Fortunately, our success speaks for itself \u2013 we see that financial institutions are coming to us, not only with existing customers, but also with new customers. On the one hand, this is to benefit from ongoing innovation, while on the other they remain fast and agile and can further optimise their service and offerings for customers.<\/p>      <\/div>\r\n    <\/div>\r\n  <\/div>\r\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          <div class=\"textbox\">\r\n        <p><strong><em>moneycab<\/em>: To conclude the interview, I want to give you two wishes. What would you wish for?<\/strong><\/p>\n<p><em>Ren\u00e9<\/em>: Sure, here are my two wishes. Although wishes can be tricky, they at least help create awareness.<\/p>\n<p>Open banking and open finance are close to my heart \u2013 so my first wish is for banks to step on the gas and keep pressing on with their development work. I would expect this to bring more TPP offerings to the market, which can once again give banks a competitive edge and generate added value for customers \u2013 i.e. all of us.<\/p>\n<p>I believe in the innovative power of ecosystems \u2013 and so my second wish is that financial institutions, FinTechs, and technology providers would work more closely together to develop holistic financial solutions and thus better meet the needs of customers.<\/p>\n<p>Thank you for the interview \u2013 I hope that my wishes will help to promote an innovative and customer-centric financial sector.<\/p>      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\n\n \r\n<section class=\"section articles logo-color logo-color-dark\"  > \r\n  <div class=\"container\">\r\n      <h2>  \r\n      This might also interest you:    <\/h2>\r\n  \r\n        \r\n   \r\n\r\n\r\n    <div \r\n      class=\"articles__wrapper articles__wrapper--load-more flex row fww\" \r\n      data-taxonomy=\"64\">\r\n\r\n      \r\n              \r\n  \r\n                    \r\n          \r\n          <div \r\n            class=\"article article--wide column aic\" \r\n            data-post-id=\"15630\"> \r\n            <div  \r\n              class=\"article__image\" \r\n              style=\"background-image:url(https:\/\/www.contovista.com\/wp-content\/uploads\/2026\/05\/20260430-Contovista-Blog-Agentic-AI-im-Banking_header-824x436.jpg)\">\r\n            <\/div>\r\n            <a href=\"https:\/\/www.contovista.com\/en\/news\/agentic-ai-in-banking-roi-through-precise-prioritisation\/\" class=\"article__info\">\r\n              <h3 class=\"fw700\">Agentic AI in Banking: ROI Through Precise Prioritisation<\/h3>\r\n              <div class=\"article__data flex row aic\">\r\n                <span>08.05.2026<\/span>\r\n                                <span>13 min read<\/span>\r\n              <\/div>\r\n \r\n              <p>Swiss banks face the question of how to deploy Agentic AI economically. The technology promises autonomous workflows that prepare decisions, trigger processes, and orchestrate customer interactions.<\/p>\r\n              <div class=\"btn btn--arrowed\">Read article <\/div>\r\n            <\/a>\r\n          <\/div>\r\n\r\n                  \r\n  \r\n                    \r\n          \r\n          <div \r\n            class=\"article article--normal column aic\" \r\n            data-post-id=\"15404\"> \r\n            <div  \r\n              class=\"article__image\" \r\n              style=\"background-image:url(https:\/\/www.contovista.com\/wp-content\/uploads\/2026\/02\/20260204-Contovista-Blog-Winterrelease2026_EN-1-824x436.png)\">\r\n            <\/div>\r\n            <a href=\"https:\/\/www.contovista.com\/en\/aktuelles\/news\/winter-release-2026\/\" class=\"article__info\">\r\n              <h3 class=\"fw700\">Winter Release 2026<\/h3>\r\n              <div class=\"article__data flex row aic\">\r\n                <span>09.02.2026<\/span>\r\n                                <span>4 min read<\/span>\r\n              <\/div>\r\n \r\n              <p>The Winter Release 2026 improves the subscription overview in digital banking and the transaction detail view, making recurring payments visible earlier and transactions clearer. This increases transparency for customers and provides a better basis for well-informed decisions and next steps in everyday digital banking.<\/p>\r\n              <div class=\"btn btn--arrowed\">Read article <\/div>\r\n            <\/a>\r\n          <\/div>\r\n\r\n                  \r\n  \r\n                    \r\n          \r\n          <div \r\n            class=\"article article--normal column aic\" \r\n            data-post-id=\"15358\"> \r\n            <div  \r\n              class=\"article__image\" \r\n              style=\"background-image:url(https:\/\/www.contovista.com\/wp-content\/uploads\/2026\/01\/20260113-Contovista-Blog-Client-Analytics-AI-824x436.jpg)\">\r\n            <\/div>\r\n            <a href=\"https:\/\/www.contovista.com\/en\/news\/latest-news\/ai-in-banking-boundless-potential\/\" class=\"article__info\">\r\n              <h3 class=\"fw700\">AI in Banking: Boundless Potential?<\/h3>\r\n              <div class=\"article__data flex row aic\">\r\n                <span>24.12.2025<\/span>\r\n                                <span>8 min read<\/span>\r\n              <\/div>\r\n \r\n              <p>AI is the mega-trend of our time. The potential of this new paradigm appears almost limitless \u2013 including in the financial sector. Massive efficiency gains, hyper-personalised services and deeply disruptive innovations are made possible by Generative AI (GenAI). At the same time, however, critical voices are growing louder.<\/p>\r\n              <div class=\"btn btn--arrowed\">Read article <\/div>\r\n            <\/a>\r\n          <\/div>\r\n\r\n                  \r\n  \r\n                    \r\n          \r\n          <div \r\n            class=\"article article--normal column aic\" \r\n            data-post-id=\"15096\"> \r\n            <div  \r\n              class=\"article__image\" \r\n              style=\"background-image:url(https:\/\/www.contovista.com\/wp-content\/uploads\/2025\/12\/20251204_Header_Interview-Nathalie-e1764862214163-824x436.jpg)\">\r\n            <\/div>\r\n            <a href=\"https:\/\/www.contovista.com\/en\/news\/latest-news\/success-factors-for-pfm\/\" class=\"article__info\">\r\n              <h3 class=\"fw700\">Success Factors for PFM<\/h3>\r\n              <div class=\"article__data flex row aic\">\r\n                <span>05.12.2025<\/span>\r\n                                <span>10 min read<\/span>\r\n              <\/div>\r\n \r\n              <p>Nathalie explains why high user adoption is crucial for PFM success and which best practices help achieve this goal. A successful PFM implementation requires delivering effective solutions for relevant customer needs and ensuring deep integration into everyday banking. Equally important, however, is clear and targeted communication.<\/p>\r\n              <div class=\"btn btn--arrowed\">Read article <\/div>\r\n            <\/a>\r\n          <\/div>\r\n\r\n                  \r\n  \r\n                    \r\n          \r\n          <div \r\n            class=\"article article--normal column aic\" \r\n            data-post-id=\"15022\"> \r\n            <div  \r\n              class=\"article__image\" \r\n              style=\"background-image:url(https:\/\/www.contovista.com\/wp-content\/uploads\/2025\/11\/20251118-Contovista-Linkedln-LUKB_3-824x436.jpg)\">\r\n            <\/div>\r\n            <a href=\"https:\/\/www.contovista.com\/en\/news\/latest-news\/lukb-multibanking-first-mover\/\" class=\"article__info\">\r\n              <h3 class=\"fw700\">LUKB Multibanking First Mover<\/h3>\r\n              <div class=\"article__data flex row aic\">\r\n                <span>24.11.2025<\/span>\r\n                                <span>6 min read<\/span>\r\n              <\/div>\r\n \r\n              <p>Since September, Luzerner Kantonalbank (LUKB) has been one of the first banks in Switzerland to offer private individuals fully integrated multibanking in e-banking and mobile banking free of charge. LUKB is thus laying the foundation for open banking in the retail sector and sending a clear signal to the market: multibanking is not the future, but the present.\r\n<\/p>\r\n              <div class=\"btn btn--arrowed\">Read article <\/div>\r\n            <\/a>\r\n          <\/div>\r\n\r\n                                 \r\n\r\n    <\/div>\r\n\r\n    \r\n            \r\n                  <a \r\n            href=\"\/\" \r\n            class=\"btn btn--bordered btn--bordered--plus load-more-articles\">\r\n            Show more articles          <\/a>\r\n              \r\n      \r\n   \r\n    \r\n  <\/div>\r\n<\/section> \n\n\r\n<section class=\"stories section logo-color logo-color-dark\"  >\r\n  <div class=\"container flex row jcsb\">\r\n\r\n        \r\n            \r\n  <\/div>\r\n<\/section>","protected":false},"excerpt":{"rendered":"<p>Our CEO Ren\u00e9 Kohler talks to moneycab about data-driven banking and Contovista&#8217;s goals both for today and the future. The interview was conducted by Helmuth Fuchs (moneycab): 9 years after the launch and proof of concept, Finnova acquired Contovista from Viseca in 2022. How has this affected Contovista&#8217;s strategy, and what were some of the key changes brought about by the new owner?<\/p>","protected":false},"author":4,"featured_media":11185,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-11414","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news_latest-news"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/posts\/11414","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/types\/post"}],"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=11414"}],"version-history":[{"count":9,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/posts\/11414\/revisions"}],"predecessor-version":[{"id":11426,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/posts\/11414\/revisions\/11426"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/media\/11185"}],"wp:attachment":[{"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/media?parent=11414"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/categories?post=11414"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/tags?post=11414"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}