{"id":13801,"date":"2025-05-29T13:20:25","date_gmt":"2025-05-29T11:20:25","guid":{"rendered":"https:\/\/www.contovista.com\/news_latest-news\/interview-with-rene-kohler-2\/"},"modified":"2025-07-21T12:26:58","modified_gmt":"2025-07-21T10:26:58","slug":"rene-kohler-im-interview-bilanz","status":"publish","type":"post","link":"https:\/\/www.contovista.com\/en\/news\/latest-news\/contovista-interview-bilanz\/","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--medium 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>29.05.2025<\/span>\n\n                        <span>11 min read<\/span> \n          <\/div>\n                <!-- Article data  -->\n\n        <!-- Titles  -->\n                              <h1 class=\"white\"> Interview<\/h1>\n                   \n\n                  <h2 class=\"white\">The Future of Finance Management<\/h2>\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\/2025\/05\/Rene_kohler2.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>The Future of Finance Management Is Here<\/h2>\r\n          <div class=\"textbox\">\r\n        <p><em><strong>In this exclusive interview with \u201cBilanz\u201d, our Unit Head Ren\u00e9 Kohler outlines how Contovista&#8217;s innovative solutions create added value for both financial institutions and their customers. In the conversation, Ren\u00e9 explains how we analyze large amounts of data using AI and thereby not only simplify banking, moreover, we make it more predictive and smarter.<\/strong><\/em><\/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        <h5>Bilanz: Mr Kohler, Contovista has positioned itself as a pioneer in the field of AI finance management. Could you explain your core vision for using AI in the finance sector and how Contovista is putting this vision into practice?<\/h5>\n<p><em><strong>Ren\u00e9:<\/strong> <\/em>Our vision is to transform the financial industry into a seamless, secure, and intelligently connected ecosystem \u2013 empowering banks and their customers to reach their full potential. At Contovista, we harness the power of financial data by leveraging AI to aggregate, enrich, and translate it into meaningful customer value. Achieving this requires forward-thinking and the ability to anticipate which topics will matter most to banks and their customers.<\/p>\n<p>Artificial intelligence offers tremendous potential in this context, enabling the extraction of valuable insights from transactions and account data.<\/p>      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\n\n\r\n<section class=\"highlight-box   section logo-color logo-color-dark\" >\r\n\r\n  \r\n  <p>Wouldn\u2019t it be amazing if your bank account could think for itself, anticipate your financial needs, and help you achieve personal goals? <\/p>\r\n\r\n  \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        <h5>Bilanz: Artificial intelligence is a rapidly evolving field. How does Contovista ensure it remains at the forefront of technological development?<\/h5>\n<p><em><strong>Ren\u00e9:<\/strong><\/em> That is indeed a challenge. For us, it\u2019s crucial to focus on the areas that are truly relevant to us and our customers. After all, it\u2019s impossible to cover the entire AI landscape. That\u2019s why we continuously invest in ideation and development, and work closely with external partners. Our modular product approach allows us to integrate new AI features quickly and flexibly.<\/p>\n<p>One of our latest developments is natural language search, which allows banking customers to type questions directly into their mobile app. The system can then search financial data from various sources to find the answer to the query.<\/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        <h5>Bilanz: Your solutions can be integrated independently of the core banking system. How does AI help reduce the complexity of data aggregation and harmonisation, especially in the context of multibanking and platforms such as bLink?<\/h5>\n<p><em><strong>Ren\u00e9:<\/strong><\/em> When developing our applications, we always focus on how we can use and process data in a way that creates added value for everyone involved \u2013 both for the bank and end customers. AI plays a central role here, particularly in harmonising heterogeneous data streams and consolidating various data sources such as credit card platforms, e-banking systems, or portals like bLink.<\/p>\n<p>The result is a consolidated overview of a customer\u2019s financial situation, which can be seamlessly integrated into digital banking. By using AI, we\u2019re not only able to categorise and enrich transactions automatically and efficiently \u2013 for example, with merchant logos, \u201cpretty names\u201d, location data, and semantic tags \u2013 but also to take data quality and clarity to a whole new level. Especially in the context of multibanking, this transforms fragmented information into a consistent, customer-centric experience.<\/p>\n<p>Our solutions operate independently of the core banking system, follow a modular structure, and integrate flexibly into existing infrastructure.<\/p>      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\n\n\r\n<section class=\"image section logo-color logo-color-dark\" >\r\n  <div class=\"container\">\r\n    <div class=\"image__wrapper\">\r\n\r\n  \r\n      <img decoding=\"async\" \r\n        src=\"https:\/\/www.contovista.com\/wp-content\/uploads\/2025\/05\/Rene_Kohler1.jpg\" \r\n        alt=\"\"\r\n        caption=\"\"\r\n        description=\"\">\r\n\r\n              <p class=\"text14 dark-sky-80\">Interview with Ren\u00e9 Kohler, Unit Head Contovista<\/p>\r\n      \r\n      \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        <h5>Bilanz: The use of transaction data through AI inevitably raises questions about data protection and data ethics. How does Contovista ensure that AI is used in a responsible manner?<\/h5>\n<p><em><strong>Ren\u00e9:<\/strong> <\/em>As a company operating in the data-driven banking sector, this is an absolute priority for us. After all, data protection and data ethics are core principles that run through our entire process chain. We consistently follow a Privacy by Design approach right from the very outset, which means our AI models are developed with data protection in mind. For example, customer and transaction data are always processed separately, since transaction data alone is often sufficient to generate meaningful insights. What\u2019s more, all data is processed locally in Switzerland. Beyond that, we are committed to clear AI principles: the highest level of security, consistent compliance, transparent communication, and fairness towards all users. Our AI models are explainable, regularly checked for bias, and follow a human-in-the-loop approach \u2013 meaning that critical outcomes are always validated by human expertise. This ensures that our solutions are not only technologically advanced but also ethically responsible and trustworthy.<\/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        <h5>Bilanz: The AI Personal Finance Manager promises a hyper-personalised digital banking experience. Could you provide a specific example of how AI creates an experience that goes beyond what customers are used to?<\/h5>\n<p><em><strong>Ren\u00e9:<\/strong> <\/em>Our primary drive is to create real value for our customers. To achieve this, we need to draw the right conclusions from the available data and deliver the right information at the right time. In practice, this might mean recognising a customer\u2019s income and expenses to provide a clear picture of their financial situation and then offering specific, personalised recommendations. A particularly exciting example of an end customer application is our &#8220;Smart Balance Optimiser&#8221;. This analyses where the customer\u2019s money is held, assesses the interest rates available, and, if appropriate, suggests transferring part of the funds to a better-paying savings account. Ongoing subscriptions are identified, tax-relevant expenses are processed automatically, and budget deviations are detected early on.<\/p>\n<p>&nbsp;<\/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 our AI Finance Management solutions, we are creating a digital banking system that \u201cthinks for itself\u201d and identifies subscriptions, automatically categorizes tax-deductible transactions and provides personalized insights.\u00bb<\/p>\r\n      <p class=\"fw700\">Ren\u00e9 Kohler, Unit Head 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>With geolocation features, transactions can be visualised on a map, providing additional clarity. Thanks to intelligent, customisable categories, customers can fine-tune their financial behaviour in great detail. <strong>Banks directly reap the benefits<\/strong> as well. Through integrated <a href=\"https:\/\/www.contovista.com\/en\/products\/enrichment-engine\/client-analytics\/\">Client Analytics<\/a>, they gain deep insights into their customers\u2019 financial behaviour \u2013 anonymised and aggregated. These insights help banks to develop their digital offerings in a targeted manner, proactively offer relevant products, and boost customer satisfaction and loyalty. This creates a double benefit: hyper-personalised digital banking for end customers combined with data-driven decision-making for banks.<\/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        <h5>Bilanz: The Carbon Footprint Manager is another innovative module. How exactly is AI used to calculate the carbon footprint from transaction data?<\/h5>\n<p><em><strong>Ren\u00e9:<\/strong> <\/em>We use both AI and traditional algorithms to analyse all transactions in real time. We identify the underlying products and services, categorise them, and then link them to market-specific CO2 values to calculate the <a href=\"https:\/\/www.contovista.com\/en\/products\/personal-finance-manager\/carbon-footprint-manager\/\" target=\"_blank\" rel=\"noopener\">individual carbon footprint<\/a>. Modern AI systems are essential for this detailed analysis. We provide users with tools such as gamification elements, personalised tips, and, most importantly, transparency, by educating them about their CO2 consumption. These features support behavioural change and help raise awareness.<\/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        <h5>Bilanz: The Business Finance Manager is aimed at SMEs. To what extent does AI use specific pattern recognition or predictive analytics to support SMEs in liquidity planning?<\/h5>\n<p><em><strong>Ren\u00e9:<\/strong> <\/em>Our <a href=\"https:\/\/www.contovista.com\/en\/products\/business-finance-manager\/\" target=\"_blank\" rel=\"noopener\">Business Finance Manager<\/a> is an intelligent 360-degree cockpit specifically tailored to the needs of SMEs. It provides a comprehensive overview of all accounts and can analyse every transaction. This enables it to recognise seasonal and industry-specific patterns and generate various scenarios: what income can be expected? What expenses are upcoming? How does liquidity look for planned investments \u2013 or is there a risk of a shortfall?<br \/>The key difference compared to traditional tools is that we don\u2019t just provide analyses, but also offer specific recommendations for action. For example, it might be beneficial to delay certain payments while bringing forward others to optimise liquidity management. For banks, the BFM creates a data-driven platform to better understand and support their SME customers individually \u2013 whether through targeted cross-selling or well-informed advice on financial stability.<\/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        <h5>Bilanz: What future developments can you expect for yourself, the industry and, consequently, your customers?<\/h5>\n<p><em><strong>Ren\u00e9:<\/strong> <\/em>Connectivity, driven by the principles of open banking, is emerging as a cornerstone of the financial ecosystem of the future. Customers are increasingly engaging with services from multiple institutions and third-party providers (TPPs) within a unified, holistic ecosystem \u2013 a trend that is already gaining clear momentum. Another key development, especially in the realm of AI, is the transition to the next phase: agentic AI. In this model, AI agents autonomously carry out specific tasks \u2013 from optimising banking processes through independent data sourcing and preparation, to developing financial assistants capable of handling tasks on their own. These are areas we are actively exploring.<\/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      You might also be interested in    <\/h2>\r\n  \r\n        \r\n   \r\n\r\n\r\n    <div \r\n      class=\"articles__wrapper articles__wrapper--slider 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--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. 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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). 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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                    \r\n          \r\n          <div \r\n            class=\"article article--normal column aic\" \r\n            data-post-id=\"13473\"> \r\n            <div  \r\n              class=\"article__image\" \r\n              style=\"background-image:url(https:\/\/www.contovista.com\/wp-content\/uploads\/2025\/10\/20251024-Contovista-Linkedln-MB_2-824x436.jpg)\">\r\n            <\/div>\r\n            <a href=\"https:\/\/www.contovista.com\/en\/news\/latest-news\/multibanking-for-retail-to-launch-shortly\/\" class=\"article__info\">\r\n              <h3 class=\"fw700\">Multibanking for retail to launch shortly<\/h3>\r\n              <div class=\"article__data flex row aic\">\r\n                <span>30.10.2025<\/span>\r\n                                <span>5 min read<\/span>\r\n              <\/div>\r\n \r\n              <p>Multibanking for private individuals in Switzerland will be launched shortly &#8211; with Contovista, banks are perfectly prepared. As the Swiss pioneer in multibanking, we are implementing multibanking solutions that enable efficient financial management across different bank accounts. This includes not only account balances and transactions, but also further insights into your own finances or other value-added services, such as intelligent tax deductions, a carbon footprint manager or a subscription overview.<\/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=\"14385\"> \r\n            <div  \r\n              class=\"article__image\" \r\n              style=\"background-image:url(https:\/\/www.contovista.com\/wp-content\/uploads\/2025\/07\/20250708-Contovista-Linkedln-Sneek-Preview_blog-824x436.jpg)\">\r\n            <\/div>\r\n            <a href=\"https:\/\/www.contovista.com\/en\/news\/latest-news\/summerrelease-2025\/\" class=\"article__info\">\r\n              <h3 class=\"fw700\">Summer Release 2025<\/h3>\r\n              <div class=\"article__data flex row aic\">\r\n                <span>24.07.2025<\/span>\r\n                                <span>7 min read<\/span>\r\n              <\/div>\r\n \r\n              <p>Banking that Thinks Ahead: The summer 2025 release once again focuses on intelligent automation and enhanced user experience. New highlights such as Smart Balance Optimizer, natural language search, subscription features for SMEs and the enhancement of the Carbon Footprint Manager show that our AI solutions continue to evolve.<\/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=\"14390\"> \r\n            <div  \r\n              class=\"article__image\" \r\n              style=\"background-image:url(https:\/\/www.contovista.com\/wp-content\/uploads\/2025\/07\/20250708-Contovista-Blog2-Sommerrelease-2025-824x436.jpg)\">\r\n            <\/div>\r\n            <a href=\"https:\/\/www.contovista.com\/en\/news\/latest-news\/smart-balance-optimizer\/\" class=\"article__info\">\r\n              <h3 class=\"fw700\">Smart Balance Optimizer<\/h3>\r\n              <div class=\"article__data flex row aic\">\r\n                <span>16.07.2025<\/span>\r\n                                <span>5 min read<\/span>\r\n              <\/div>\r\n \r\n              <p>Contovista introduces Self-Driving Money to Digital Banking. The solution is based on explainable agentic AI and ensures that money is working in the right place. Automatic, understandable and under the control of users at all times.<\/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=\"14071\"> \r\n            <div  \r\n              class=\"article__image\" \r\n              style=\"background-image:url(https:\/\/www.contovista.com\/wp-content\/uploads\/2025\/07\/20250623-Contovista-Blog-build-or-buy_header-824x436.jpg)\">\r\n            <\/div>\r\n            <a href=\"https:\/\/www.contovista.com\/en\/news\/latest-news\/make-or-buy\/\" class=\"article__info\">\r\n              <h3 class=\"fw700\">The fastest way for banks to leverage the potential of transaction data<\/h3>\r\n              <div class=\"article__data flex row aic\">\r\n                <span>15.07.2025<\/span>\r\n                                <span>10 min read<\/span>\r\n              <\/div>\r\n \r\n              <p>Should financial institutions build the necessary AI capabilities for transaction data analysis themselves &#8211; or would they rather buy in some external solutions? We analyze the critical \u201cbuild or buy\u201d question!<\/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=\"13515\"> \r\n            <div  \r\n              class=\"article__image\" \r\n              style=\"background-image:url(https:\/\/www.contovista.com\/wp-content\/uploads\/2025\/02\/ConnectUs-2025-824x436.jpg)\">\r\n            <\/div>\r\n            <a href=\"https:\/\/www.contovista.com\/en\/news\/latest-news\/contovista-connectus\/\" class=\"article__info\">\r\n              <h3 class=\"fw700\">Contovista &amp; connectUS<\/h3>\r\n              <div class=\"article__data flex row aic\">\r\n                <span>27.02.2025<\/span>\r\n                                <span>2 min read<\/span>\r\n              <\/div>\r\n \r\n              <p>At Contovista, we believe in innovation and networking &#8211; which is why we are delighted to support ConnectUS 2025. The FHNW&#8217;s international student project offers valuable insights into global business trends, sustainable innovations and enables the development of a strong network.<\/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=\"13426\"> \r\n            <div  \r\n              class=\"article__image\" \r\n              style=\"background-image:url(https:\/\/www.contovista.com\/wp-content\/uploads\/2025\/02\/20250129-Contovista-Newsletter-February_1.jpg)\">\r\n            <\/div>\r\n            <a href=\"https:\/\/www.contovista.com\/en\/news\/latest-news\/winterrelease-2025\/\" class=\"article__info\">\r\n              <h3 class=\"fw700\">Winter Release 2025<\/h3>\r\n              <div class=\"article__data flex row aic\">\r\n                <span>14.02.2025<\/span>\r\n                                <span>4 min read<\/span>\r\n              <\/div>\r\n \r\n              <p>In 2024, the use of the AI Personal Finance Manager in digital banking increased by 31%. In addition: Custom categories now offer the option of creating one&#8217;s own categories to personalise the banking experience even more. This makes the AI Finance Managers so much more customer-centric &#8211; and even more intuitive thanks to the direct category view in the transaction list. Now customers can see at a glance where their money is going even more easily. This saves time and helps them manage their finances more efficiently.  \r\n\r\nTranslated with DeepL.com (free version)<\/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=\"13399\"> \r\n            <div  \r\n              class=\"article__image\" \r\n              style=\"background-image:url(https:\/\/www.contovista.com\/wp-content\/uploads\/2025\/02\/20250129-Contovista-Newsletter-February_2.jpg)\">\r\n            <\/div>\r\n            <a href=\"https:\/\/www.contovista.com\/en\/news\/latest-news\/smart-decision-making-with-client-analytics\/\" class=\"article__info\">\r\n              <h3 class=\"fw700\">Smarter Decision-Making with Client Analytics<\/h3>\r\n              <div class=\"article__data flex row aic\">\r\n                <span>30.01.2025<\/span>\r\n                                <span>5 min read<\/span>\r\n              <\/div>\r\n \r\n              <p>Stay close to your customers: With client analytics from Contovista, financial institutions gain even deeper insights into their customers&#8217; financial situations \u2013 enabling better quality advice and more targeted product sales. <\/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=\"13282\"> \r\n            <div  \r\n              class=\"article__image\" \r\n              style=\"background-image:url(https:\/\/www.contovista.com\/wp-content\/uploads\/2024\/11\/20241126_Contovista_Community-Meeting_14-1-824x436.jpg)\">\r\n            <\/div>\r\n            <a href=\"https:\/\/www.contovista.com\/en\/news\/recap-community-meeting-2024\/\" class=\"article__info\">\r\n              <h3 class=\"fw700\">Community Meeting 2024<\/h3>\r\n              <div class=\"article__data flex row aic\">\r\n                <span>27.11.2024<\/span>\r\n                                <span>8 min read<\/span>\r\n              <\/div>\r\n \r\n              <p>This year&#8217;s Contovista Community Meeting took place on 26th November at the Kraftwerk-Impact Hub in Zurich. The focus was on future topics and new solutions relating to AI in banking and open finance. At the top of the agenda: AI and generative AI (GenAI). The second focus of the evening was on open finance and multibanking, particularly with regard to the benefits for banks and customers.<\/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=\"12355\"> \r\n            <div  \r\n              class=\"article__image\" \r\n              style=\"background-image:url(https:\/\/www.contovista.com\/wp-content\/uploads\/2024\/07\/20240723-Contovista-Blog-Post-AI-Principles_1-824x436.jpg)\">\r\n            <\/div>\r\n            <a href=\"https:\/\/www.contovista.com\/en\/news\/latest-news\/ai-as-a-competitive-edge\/\" class=\"article__info\">\r\n              <h3 class=\"fw700\">AI as a Competitive Edge<\/h3>\r\n              <div class=\"article__data flex row aic\">\r\n                <span>22.07.2024<\/span>\r\n                                <span>10 min read<\/span>\r\n              <\/div>\r\n \r\n              <p>In this interview with Martin Biehler (Senior Data Scientist) and Ilario Giordanelli (Data Scientist), two of our AI experts, they discuss the background, principles and specific use cases on this topic. In addition: How can AI help banks and their customers? What principles need to be applied to ensure that the use of AI is not only productive and innovative, but also robust, ethical and safe?<\/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=\"12384\"> \r\n            <div  \r\n              class=\"article__image\" \r\n              style=\"background-image:url(https:\/\/www.contovista.com\/wp-content\/uploads\/2024\/07\/20240709-Contovista-Blog-Post-EE-Integration-PFMBFM_header-824x436.jpg)\">\r\n            <\/div>\r\n            <a href=\"https:\/\/www.contovista.com\/en\/news\/latest-news\/contovista-ai-finance-manager\/\" class=\"article__info\">\r\n              <h3 class=\"fw700\">AI Finance Manager<\/h3>\r\n              <div class=\"article__data flex row aic\">\r\n                <span>12.07.2024<\/span>\r\n                                <span>9 min read<\/span>\r\n              <\/div>\r\n \r\n              <p>Contovista presents the new AI Finance Manager &#8211; The benefit for financial institutions: They can utilise productive functions via integrated client analytics features based on AI. The advantage for end customers: AI-based features are also conveniently available through PFM (private customers) and BFM (business customers).<\/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=\"12136\"> \r\n            <div  \r\n              class=\"article__image\" \r\n              style=\"background-image:url(https:\/\/www.contovista.com\/wp-content\/uploads\/2024\/05\/20240905-Contovista-Newsletter-May_10.jpg)\">\r\n            <\/div>\r\n            <a href=\"https:\/\/www.contovista.com\/en\/news\/latest-news\/data-driven-banking-und-analytical-framework\/\" class=\"article__info\">\r\n              <h3 class=\"fw700\">Data-driven Banking and Analytical Framework<\/h3>\r\n              <div class=\"article__data flex row aic\">\r\n                <span>02.05.2024<\/span>\r\n                                <span>6 min read<\/span>\r\n              <\/div>\r\n \r\n              <p>Over the past few months, a lot has been going on behind the scenes, and we would like to share some updates. The product team for the Finnova Analytical Framework has been completely integrated. The data-driven Analytical Framework by Finnova perfectly matches Contovista\u2019s data-driven banking strategy. <\/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    \r\n  <\/div>\r\n<\/section>","protected":false},"excerpt":{"rendered":"<p>In an exclusive interview, Unit Head Ren\u00e9 Kohler explains how the innovative solutions from Contovista generate value add for both financial institutions and their customers. And how Contovista is propelling banking into the future with AI finance management and artificial intelligence that truly makes a difference.<\/p>","protected":false},"author":4,"featured_media":13767,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-13801","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\/13801","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=13801"}],"version-history":[{"count":6,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/posts\/13801\/revisions"}],"predecessor-version":[{"id":13948,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/posts\/13801\/revisions\/13948"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/media\/13767"}],"wp:attachment":[{"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/media?parent=13801"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/categories?post=13801"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/tags?post=13801"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}