{"id":2819,"date":"2021-06-23T08:15:00","date_gmt":"2021-06-23T06:15:00","guid":{"rendered":"https:\/\/www.contovista.com\/3-ways-analytics-and-artificial-intelligence-are-transforming-retail-banking\/"},"modified":"2022-11-16T10:10:25","modified_gmt":"2022-11-16T09:10:25","slug":"3-ways-analytics-and-artificial-intelligence-are-transforming-retail-banking","status":"publish","type":"post","link":"https:\/\/www.contovista.com\/en\/news\/latest-news\/3-ways-analytics-and-artificial-intelligence-are-transforming-retail-banking\/","title":{"rendered":"3 Ways Analytics and AI Are Transforming Retail Banking"},"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>23.06.2021<\/span>\n\n                        <span>14 min read<\/span> \n          <\/div>\n                <!-- Article data  -->\n\n        <!-- Titles  -->\n                              <h1 class=\"white\">3 Ways Analytics and AI Are Transforming Retail Banking<\/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\/2022\/10\/Datateam_office-scaled.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\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\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\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>Artificial intelligence is shaping the future of banking \u2013 that much is not really new! Nevertheless, AI is still proving to be a broad field, with many banks not knowing what levers the new technology can pull for them. However, artificial intelligence applied in the right way does exactly that by setting things in motion in a very concrete way.<\/p>\n<p>Be bold enough to embrace AI by implementing this transformation in retail banking as a whole. The question shouldn\u2019t be how AI can save costs here and there, but what new opportunities the technology opens up for the development and delivery of next-generation products and services. Find out here how banks are reaping the benefits of AI and how this new intelligence is transforming the retail banking world.<\/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          <h2>1. Maximum Customer Satisfaction<\/h2>\r\n          <div class=\"textbox\">\r\n        <p><!-- wp:paragraph --><\/p>\n<p>Retail banks may not be retailers <em>per se<\/em>, but offering products such as loans, accounts and investments has always been part and parcel of their business strategy, The fact that banks are not only focussing on providing the best possible customer experience but are almost unanimously opting for a technology-driven approach is a noteworthy trend that will only intensify over time.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>If technology is the driving force behind an excellent customer experience in banking, then data is the cart on which it travels. Data-driven banking is not so much about analysing the target group as a whole, but about understanding and helping individuals with their specific needs and challenges.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p><a href=\"https:\/\/www.contovista.com\/aktuelles\/studien\/data-driven-banking-studie\/\"><strong>In our free data-driven banking study, you\u2019ll discover in which areas Swiss banks see the great potential of data-driven strategies and new technologies.<\/strong><\/a><\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>The prerequisites for this have already been met in a banking environment: customers who interact with banks digitally generate valuable data that can be analysed, categorised and enriched in a targeted manner. However, bank customer data alone is not enough to deliver on the promise of a tailored banking experience in the long run. However, it does lay the foundation for figuring out how to personalise the banking experience and your customer offering.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>But it is the targeted use of artificial intelligence and machine learning in the area of data analytics and enrichment that enables banks to identify and understand the needs and wishes of their customers in the best possible way. Data that is made usable then helps banks to develop better products and enhance the customer experience.<\/p>\n<p><!-- \/wp:paragraph --><\/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\/2021\/06\/Infographics-02_EN.jpg\" \r\n        alt=\"\"\r\n        caption=\"\"\r\n        description=\"\">\r\n\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        <p><!-- wp:paragraph --><\/p>\n<p>Additional capacities and products that precisely address the needs of bank customers increase sales through cross-selling and upselling. Using AI here helps not only to identify what is the most appropriate recommendation for each individual customer; it also helps you create personalised content that can automatically pop up at just the right time.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p><a href=\"https:\/\/media.contovista.com\/wussten-sie-dass-ihre-gesch%C3%A4ftskunden-mit-unserer-engagement-platform-insights-auch-firmen-fraud-5e14bc7daa36\" target=\"_blank\" rel=\"noopener\"><strong>Want an example? Insights is an automated engagement platform that provides personalised tips to your banking customers. Learn how Insights protects your business customers from fraud before it actually happens.<\/strong><\/a><\/p>\n<p><!-- \/wp:paragraph --><\/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          <h2>2. Minimised Operational Costs<\/h2>\r\n          <div class=\"textbox\">\r\n        <p><!-- wp:paragraph --><\/p>\n<p><!-- wp:heading --><\/p>\n<p>According to a study conducted by IT service provider Infosys, <a href=\"https:\/\/www.infosys.com\/aimaturity\/\" target=\"_blank\" rel=\"noopener\">51% of companies regard cost reduction as the main benefit of artificial intelligence<\/a>. Banking is still a labour-intensive industry that requires a lot of staff for day-to-day operations. Banks continue to be concerned with minimising costs and spending on avoidable or repetitive tasks. According to <a href=\"https:\/\/www.autonomous.com\/\" target=\"_blank\" rel=\"noopener\">Autonomous<\/a>, adopting AI-driven technology can help banks save about 22% of these costs by 2030. In addition to this obvious cost benefit, however, new technologies are first and foremost a <a href=\"https:\/\/media.contovista.com\/wie-banken-skalierbarkeit-und-differenzierung-mit-data-analytics-und-enrichment-gelingt-1d0f12c78281\" target=\"_blank\" rel=\"noopener\">requirement for true scalability in banking<\/a>.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>Artificial intelligence is by no means a substitute for personal contact in banking; it\u2019s a tool to perform simple, monotonous tasks that don\u2019t require personal interaction. Banks can handle recurring, high-volume and time-consuming banking processes more cost-effectively and efficiently through technologies like <a href=\"https:\/\/www.businessinsider.com\/rpa-banking-examples-use-cases?r=DE&amp;IR=T\" target=\"_blank\" rel=\"noopener\">RPA<\/a> (robotic process automation). According to a study by Juniper Research, <a href=\"https:\/\/www.juniperresearch.com\/press\/chatbots-to-deliver-11bn-cost-savings-2023\" target=\"_blank\" rel=\"noopener\">the global banking world could achieve operational cost savings of $7.3 billion by 2023 by implementing chatbots alone<\/a> &#8211; this estimate was $209 million in 2019.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>A wonderful side effect is that this also benefits your employees and banks as employers. In the future, bank employees can again focus on more complex, nuanced tasks that are more in line with their actual job description, such as interacting with customers and developing new products.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>Forward-looking banks are already using AI to expand their product range, make their operations more efficient and cost-effective, and offer their customer base a better customer experience with greater added value. The effort required to do this is often smaller than it first seems. <a href=\"https:\/\/www.contovista.com\/aktuelles\/studien\/marktbearbeitung-durch-machine-learning\/\"><strong>Find out here how Schwyzer Kantonalbank is generating a lot of added value from data it already has<\/strong><\/a><!-- \/wp:paragraph --><\/p>\n<p><!-- \/wp:paragraph --><\/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>Is your bank ready for artificial intelligence? Our experts will be happy to advise you on the individual opportunities available to you by using AI!<\/p>\r\n\r\n     \r\n    <a href=\"https:\/\/www.contovista.com\/contact\/\" class=\"btn btn--bordered btn--bordered--on-dark btn--bordered--arrowed btn--bordered--arrowed--on-dark\">\r\n      Contact    <\/a>\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>3. Reduced Competitive Pressure<\/h2>\r\n          <div class=\"textbox\">\r\n        <p><!-- wp:heading --><\/p>\n<p>The application maturity and availability of artificial intelligence has rapidly evolved for the better in recent years, creating excellent use cases, including in the financial industry. <a href=\"https:\/\/www.contovista.com\/de\/ressourcen\/ai-banking\/\">Using AI for valuable customer insights and customer experiences in banking<\/a> can be a real game changer for your banking activities.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>Unlike GAFA, banks have a relationship of trust and a history with their customers and know their <a href=\"https:\/\/media.contovista.com\/6-w%C3%BCnsche-die-banken-ihren-kunden-dank-data-analytics-und-enrichment-erf%C3%BCllen-f39d06edce23\" target=\"_blank\" rel=\"noopener\">banking customer needs<\/a> in detail. With tailored service and product offerings, personalised communication across channels, useful information and automated processes, your institution will achieve better results, optimise workflows and create a positive working environment for employees. This combination of trust and innovation provides key differentiation points in the highly competitive banking environment.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>With applied artificial intelligence and data analytics, you stand out from the crowd by:<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:list --><\/p>\n<ul>\n<li>Offering a better customer experience<\/li>\n<li>Finding the right tone and timing<\/li>\n<li>Automating repetitive tasks to ensure fewer errors and greater scalability<\/li>\n<li>Reducing operational costs through automation<\/li>\n<li>Attracting talent and motivating them with increased freedom<\/li>\n<li>Assigning employees tasks that correspond to their core competencies, thereby generating real added value for banks<\/li>\n<\/ul>\n<p><!-- \/wp:list --> <!-- wp:paragraph --><\/p>\n<p><a href=\"https:\/\/www.contovista.com\/de\/ressourcen\/ai-banking\/\"><strong>Learn how to lay the foundation for the banking of the future with machine learning and data analytics in our exclusive white paper<\/strong><\/a><strong>.<\/strong><\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:heading {\"level\":3} --><\/p>\n<p><strong>\u2026 Don\u2019t miss the opportunity!<\/strong><\/p>\n<p><!-- \/wp:heading --> <!-- wp:paragraph --><\/p>\n<p>Without using artificial intelligence in banking, and therefore missing out on the categorisation and analysis of data, banks are missing out on the most promising opportunity to develop innovative products and achieve better customer targeting based on data insights. No bank can afford to miss out on this opportunity in a market where the number of players is growing exponentially across multiple sectors.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>The topic of artificial intelligence is only a black box at first glance. In the banking world, AI can be used very tangibly: you can highly personalise your approach, range of offers and advice based on customer behaviour.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>Don\u2019t have the experience or resources for applied artificial intelligence? Many banks feel this way, <a href=\"https:\/\/www.mckinsey.com\/industries\/financial-services\/our-insights\/reimagining-customer-engagement-for-the-ai-bank-of-the-future\" target=\"_blank\" rel=\"noopener\">which is why they\u2019re increasingly opting for strategic partnerships with innovative technology partners<\/a>. A <a href=\"https:\/\/www.contovista.com\/aktuelles\/studien\/data-driven-banking-studie\/\">major study on data-driven banking<\/a> shows that it\u2019s definitely worth it! How effectively banks use their existing customer data for new forms of personalisation, product innovation or targeting can make all the difference to the customer experience.<\/p>\n<p><!-- \/wp:paragraph --><\/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\/2021\/06\/Infographics-01_EN.jpg\" \r\n        alt=\"\"\r\n        caption=\"\"\r\n        description=\"\">\r\n\r\n      \r\n      \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--slider flex row fww\" \r\n      data-taxonomy=\"1\">\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=\"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                    \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=\"13801\"> \r\n            <div  \r\n              class=\"article__image\" \r\n              style=\"background-image:url(https:\/\/www.contovista.com\/wp-content\/uploads\/2025\/05\/Rene_kohler2-824x436.png)\">\r\n            <\/div>\r\n            <a href=\"https:\/\/www.contovista.com\/en\/news\/latest-news\/contovista-interview-bilanz\/\" class=\"article__info\">\r\n              <h3 class=\"fw700\">Interview with Ren\u00e9 Kohler<\/h3>\r\n              <div class=\"article__data flex row aic\">\r\n                <span>29.05.2025<\/span>\r\n                                <span>11 min read<\/span>\r\n              <\/div>\r\n \r\n              <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>\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    <\/div>\r\n\r\n      \r\n   \r\n    \r\n  <\/div>\r\n<\/section>","protected":false},"excerpt":{"rendered":"<p>Artificial intelligence is shaping the future of banking \u2013 that much is not really new! Nevertheless, AI is still proving to be a broad field, with many banks not knowing what levers the new technology can pull for them. However, artificial intelligence applied in the right way does exactly that by setting things in motion in a very concrete way.<\/p>","protected":false},"author":3,"featured_media":2820,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2819","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\/2819","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\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/comments?post=2819"}],"version-history":[{"count":23,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/posts\/2819\/revisions"}],"predecessor-version":[{"id":6295,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/posts\/2819\/revisions\/6295"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/media\/2820"}],"wp:attachment":[{"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/media?parent=2819"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/categories?post=2819"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/tags?post=2819"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}