{"id":14390,"date":"2025-07-16T13:36:58","date_gmt":"2025-07-16T11:36:58","guid":{"rendered":"https:\/\/www.contovista.com\/news_latest-news\/smart-balance-optimizer\/"},"modified":"2025-07-31T14:31:43","modified_gmt":"2025-07-31T12:31:43","slug":"smart-balance-optimizer","status":"publish","type":"post","link":"https:\/\/www.contovista.com\/en\/news\/latest-news\/smart-balance-optimizer\/","title":{"rendered":"Smart Balance Optimizer"},"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>16.07.2025<\/span>\n\n                        <span>5 min read<\/span> \n          <\/div>\n                <!-- Article data  -->\n\n        <!-- Titles  -->\n                              <h1 class=\"white\">Smart Balance Optimizer<\/h1>\n                   \n\n                <!-- Titles  -->\n\n        <!-- Description  -->\n                  <p class=\"white hero__info-description-desktop\">This summer&#8217;s innovation: The Smart Balance Optimizer for intelligent cash management<\/p>\n                          <p class=\"white hero__info-description-mobile\">This summer&#8217;s innovation: The Smart Balance Optimizer for intelligent cash management<\/p>\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\/07\/20250708-Contovista-Blog2-Sommerrelease-2025.jpg\" \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>Self-Driving Money for Digital Banking<\/h2>\r\n          <div class=\"textbox\">\r\n        <p>What if available funds in a bank account could almost automatically be allocated in the best possible way? The Smart Balance Optimizer by Contovista makes exactly that possible!<\/p>\n<p>The <strong>solution is powered by explainable agentic AI<\/strong>. It recognizes individual financial patterns in real time, calculates future liquidity needs, and provides well-founded transfer recommendations\u2014directly within digital banking and executable with a single click. This creates a new kind of user experience that combines control, transparency, and real financial benefits.<\/p>\n<p>Financial institutions that want to go beyond digitisation and create real added value rely on intelligent automation with substance. The Smart Balance Optimizer is <strong>a concrete step toward Self-Driving Money <\/strong>\u2014explainable, data-driven, and seamlessly integrable.<\/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\/07\/20250723_SBO_realtime-intelligence_2-1602x1182.png\" \r\n        alt=\"\"\r\n        caption=\"\"\r\n        description=\"\">\r\n\r\n              <p class=\"text14 dark-sky-80\">Illustration: The Smart Balance Optimizer by 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          <h2>Time for a Paradigm Shift<\/h2>\r\n          <div class=\"textbox\">\r\n        <p><strong>Financial well-being<\/strong> is more important than ever. <strong>Users want more control<\/strong>\u2014and they want their savings to work for them. Yet many banking customers still leave valuable return potential untapped.<\/p>\n<p>A survey conducted by Contovista showed that 85% of digital banking users miss out on an average of CHF 160 in return potential per year. The Smart Balance Optimizer unlocks this potential\u2014automatically, at scale, and with greater gains for the users.<\/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>Now is the time to rethink digital services\u2014personalised, automated, and ready for the next generation of digital banking.<\/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          <h2>How Banks and Customers Benefit<\/h2>\r\n          <div class=\"textbox\">\r\n        <p>Whether it&#8217;s savings, salary, or reserve accounts\u2014the Smart Balance Optimizer ensures that money works where it makes the most sense. Automatically, transparently, and always under the user&#8217;s control.<\/p>\n<p><strong>Benefits for customers:<\/strong><\/p>\n<ul>\n<li><strong>Higher returns<\/strong>: No more lost yield on salary accounts<\/li>\n<li><strong>Clear overview<\/strong>: Recommendations are transparent\u2014decisions remain in the hands of the user<\/li>\n<li><strong>Reliable availability<\/strong>: Forecasts and smart buffers help detect and prevent shortfalls in advance<\/li>\n<\/ul>\n<p><strong>Banks benefit as well:<\/strong><\/p>\n<ul>\n<li><strong>Increased revenue<\/strong>: Higher deposits improve the credit base while opening new revenue streams through targeted placement of investment and financing products<\/li>\n<li><strong>Cost savings<\/strong>: Automated processes reduce payment transaction inquiries and noticeably lower operational support costs<\/li>\n<li><strong>Higher customer satisfaction<\/strong>: Relevant recommendations, smart experiences, and simple alternatives to traditional offerings like cash pooling strengthen relationships with both retail and SME customers<\/li>\n<\/ul>\n<p>The Smart Balance Optimizer is available as part of our <a href=\"https:\/\/www.contovista.com\/en\/products\/personal-finance-manager\/\">AI Personal Finance Manager<\/a> and <a href=\"https:\/\/www.contovista.com\/en\/products\/business-finance-manager\/\">AI Business Finance Manager<\/a>, or <strong>as a standalone solution.<\/strong><\/p>      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\n\n\r\n<div class=\"container section\">\r\n  <a \r\n    href=\"https:\/\/www.contovista.com\/en\/products\/smart-balance-optimizer\/\" \r\n    data-modal=\"modal-\"\r\n    target=\"_blank\"\r\n    id=\"\"\r\n    class=\"btn btn--arrowed btn--centered\">\r\n    Lern more about the Smart Balance Optimizer \r\n\r\n         \r\n  <\/a>\r\n<\/div>","protected":false},"excerpt":{"rendered":"<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>","protected":false},"author":4,"featured_media":13998,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-14390","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\/14390","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=14390"}],"version-history":[{"count":4,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/posts\/14390\/revisions"}],"predecessor-version":[{"id":14395,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/posts\/14390\/revisions\/14395"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/media\/13998"}],"wp:attachment":[{"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/media?parent=14390"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/categories?post=14390"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/tags?post=14390"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}