{"id":2823,"date":"2021-03-29T10:00:00","date_gmt":"2021-03-29T08:00:00","guid":{"rendered":"https:\/\/www.contovista.com\/data-driven-banking-separates-the-wheat-from-the-chaff\/"},"modified":"2022-12-20T15:31:20","modified_gmt":"2022-12-20T14:31:20","slug":"data-driven-banking-separates-the-wheat-from-the-chaff","status":"publish","type":"post","link":"https:\/\/www.contovista.com\/en\/news\/latest-news\/data-driven-banking-separates-the-wheat-from-the-chaff\/","title":{"rendered":"Data-Driven Banking Separates the Wheat from the Chaff"},"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>29.03.2021<\/span>\n\n                        <span>16 min read<\/span> \n          <\/div>\n                <!-- Article data  -->\n\n        <!-- Titles  -->\n                              <h1 class=\"white\">Data-driven 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\/Contovista-Blog-Data-Driven-Banking-Separates-the-Wheat-from-the-Chaff-in-the-Banking-Sector-1--e1667557507965.jpeg\" \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:40px\" 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\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>Data-driven Banking Separates the Wheat from the Chaff in the Banking Sector<\/h2>\r\n          <div class=\"textbox\">\r\n        <p><!-- wp:paragraph --><\/p>\n<p id=\"8c5d\">Banks are at a crossroads. Turning back is not an option, as their customers now consider them service-oriented organisations, compare their user experience with other sectors and have incredibly high expectations. However, going full speed ahead is regarded by many as unaffordable, too complex, divisive, or all of the above.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p id=\"86db\">But what constitutes a successful bank? How can data-driven banking help pave the way to a successful long-term future for banks?<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p id=\"b7c9\">Discover how banks can seamlessly navigate the ever-changing, fast-paced financial world using customer-centric, data-driven banking services and ensure a sustainable win-win situation for both themselves and their customers.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p id=\"790e\"><a href=\"https:\/\/media.contovista.com\/spotify-ist-ein-exzellentes-beispiel-daf%C3%BCr-wie-sich-die-user-experience-mithilfe-von-daten-auf-c437385ea7ad\" rel=\"noopener\" target=\"_blank\"><strong>In-depth content: how can banks respond to the mounting expectations of their customers?<\/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>Successful Banks Adopt the Customer\u2019s Perspective<\/h2>\r\n          <div class=\"textbox\">\r\n        <p><!-- wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p id=\"5bcc\">Data-driven banking is paramount if banks want to offer an above-average customer experience. More importantly, however, having an excellent customer experience is what will secure a bank\u2019s success in the long run.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p id=\"f599\">In the past, many institutions stuck to traditional banking processes \u2014 primarily focussing on the organisation\u2019s own needs rather than those of customers. By contrast, digital transformation and the pandemic have been crying out for changes that focus on enhancing the customer experience.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p id=\"3729\">Digitalisation closes the gap between a bank\u2019s traditional offering and the dynamic needs of its customers. That is an important step. However, data-driven financial services enable banks to go one step further by offering an outstanding customer experience.\u00a0<a href=\"https:\/\/www.contovista.com\/resources\/data-driven-banking-data-intelligence-for-the-banking-of-the-future\/\" rel=\"noopener\">Personalisation<\/a>\u00a0and true relevance are winning over today\u2019s entitled bank customers.<!-- \/wp:paragraph --><\/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>Trigger-based marketing for demanding bank customers<\/h2>\r\n          <div class=\"textbox\">\r\n        <p><!-- wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p id=\"5bcc\">Analytics-driven\u00a0marketing enables banks to offer true personalisation, compete against new market players and ensure high performance. By contrast, trigger-based marketing allows banks to address customers in a very specific, direct manner based on behavioural analysis. Triggers propose certain reactions, which in turn can be used to suggest the next tailor-made offer for that specific customer.<\/p>\n<p id=\"3729\"><!-- \/wp:paragraph --><\/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\/03\/Contovista-Blog-Data-Driven-Banking-Separates-the-Wheat-from-the-Chaff-in-the-Banking-Sector-2-scaled.jpeg\" \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><!-- wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Intelligent trigger-based marketing also works independently of the service channel. Analytics components aggregate and integrate customer data, provide insights, and display personalised offers across all channels. Predefined rules identify relevant products and services at just the right time.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p id=\"0944\"><a href=\"https:\/\/www.contovista.com\/resources\/data-driven-banking-data-intelligence-for-the-banking-of-the-future\/\" rel=\"noopener\"><strong>Learn how to use data-driven banking to make relevant offers that meet the needs of your bank customers.<\/strong><\/a><!-- \/wp:paragraph --><\/p>\n<p id=\"3729\"><!-- \/wp:paragraph --><\/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>Successful Banks Recognise that Knowledge is Power<\/h2>\r\n          <div class=\"textbox\">\r\n        <p><!-- wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p id=\"d102\">Knowledge is power, that goes for the banking sector too. However, this is only the case if that knowledge is used in a meaningful way. Banks that use knowledge to benefit themselves and their customers have much to gain.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p id=\"2af8\">Knowledge about their customers helps banks to build better products, make tailor-made offers, and enter into strategic partnerships. Data analytics and data enrichment provides banks with the knowledge they need to\u00a0<a href=\"https:\/\/www.accenture.com\/gb-en\/insights\/banking\/purpose-driven-banking-win-customer-trust\" rel=\"noopener\" target=\"_blank\">act in their customers\u2019 best interests.<\/a><!-- \/wp:paragraph --><\/p>\n<p id=\"3729\"><!-- \/wp:paragraph --><\/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>Predictive banking for the future of banking<\/h2>\r\n          <div class=\"textbox\">\r\n        <p><!-- wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p id=\"15d1\">Let\u2019s take the example of predictive banking. If banks can accurately predict what challenges and interests their customers will have in the future, they will be able to cater to their needs even more effectively.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p id=\"d228\">Information about income and spending behaviour enables banks to target customers with personalised product recommendations that offer greater potential for customers and better completion rates for banks. This way, predictive banking is a clear win-win for both banks and customers.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p id=\"60fe\">High-quality transaction data contains many other exciting indicators. For example, banks can\u00a0<a href=\"https:\/\/www.openpr.com\/news\/2252505\/predictive-analytics-in-banking-market-analysis-2021-2027\" rel=\"noopener\" target=\"_blank\">identify customers with the highest probability of closing a deal<\/a> or derive metrics such as willingness to pay for new banking offers. Such knowledge even has the potential to radically transform financial institutions and the banking experience.<!-- \/wp:paragraph --><\/p>\n<p id=\"3729\"><!-- \/wp:paragraph --><\/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>Optimal Use of Resources Puts Banks on the Path to Sustainable Success<\/h2>\r\n          <div class=\"textbox\">\r\n        <p><!-- wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><!-- wp:heading --><\/p>\n<p id=\"7b1b\">So what\u2019s the catch with data-driven banking? In short, the data. Most don\u2019t have it, while others have too much of it. Banking institutions have the coveted prerequisite that many companies lack: high-quality data, even if it is still unstructured or comes in the form of big data.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p id=\"0d9a\">Nevertheless, banks run the risk of accumulating too much unstructured data, which in turn leads to unnecessary costs and becomes increasingly difficult to manage. However, once they\u2019ve put their data in order, they have the tools they need to ensure sustainable banking success. Through data enrichment and analytics, banks can create complete, highly usable data records (keyword: smart data!) to\u00a0<a href=\"https:\/\/media.contovista.com\/wie-banken-skalierbarkeit-und-differenzierung-mit-data-analytics-und-enrichment-gelingt-1d0f12c78281\" rel=\"noopener\" target=\"_blank\">benefit both customers and themselves<\/a>\u00a0and to create a\u00a0<a href=\"https:\/\/media.contovista.com\/mobile-banking-ist-kein-selbstzweck-sondern-ein-wichtiger-baustein-f%C3%BCr-ein-modernes-digitales-ec695e3a6a15\" rel=\"noopener\" target=\"_blank\">modern, digital banking experience.<\/a><!-- \/wp:paragraph --><\/p>\n<p id=\"60fe\"><!-- \/wp:paragraph --><\/p>\n<p id=\"3729\"><!-- \/wp:paragraph --><\/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>A multichannel approach draws on a bank\u2019s wealth of knowledge<\/h2>\r\n          <div class=\"textbox\">\r\n        <p><!-- wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><!-- wp:heading --><\/p>\n<p><!-- wp:heading --><\/p>\n<p id=\"41b2\">The use of e-banking and digital channels is rising dramatically. However, for many bank customers, going into the branch is still the preferred option, or at least regarded as a meaningful point of contact. How can banks implement a\u00a0<a href=\"https:\/\/menafn.com\/1101750607\/McKinsey-Research-Confirms-Omnichannel-is-the-Leading-Approach-to-B2B-Sales-Effectiveness-Jumps-Significantly-to-83-Percent\" rel=\"noopener\" target=\"_blank\">profitable omnichannel strategy<\/a>\u00a0that includes all interaction channels?<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p id=\"2050\">Once again, the answer is data. As mentioned earlier, banks have a clear advantage due to the sheer wealth of data they possess. Increasing the number of touchpoints doubles this advantage. By analysing and enriching all existing data \u2014 from e-banking, the website, the mobile app, emails and data from offline offerings such as customer advisory services \u2014 banks generate even more knowledge that can be used in an optimised way.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p id=\"251d\">The high-quality data derived from digital and physical touchpoints can also be used to consistently design and enhance the customer experience across all channels, as well as to offer in-demand products and streamline frontend and backend processes.<!-- \/wp:paragraph --><\/p>\n<p id=\"60fe\"><!-- \/wp:paragraph --><\/p>\n<p id=\"3729\"><!-- \/wp:paragraph --><\/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\/03\/Contovista-Blog-Data-Driven-Banking-Separates-the-Wheat-from-the-Chaff-in-the-Banking-Sector-3-scaled.jpeg\" \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><a href=\"https:\/\/www.contovista.com\/resources\/data-driven-banking-data-intelligence-for-the-banking-of-the-future\/\" rel=\"noopener\">Free whitepaper about data-driven banking! How banks use data analytics and data enrichment to achieve a personalised customer experience with maximum scalability.<\/a><\/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--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=\"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). 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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                    \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    <\/div>\r\n\r\n      \r\n   \r\n    \r\n  <\/div>\r\n<\/section>","protected":false},"excerpt":{"rendered":"<p>Banks are at a crossroads. Turning back is not an option, as their customers now consider them service-oriented organisations, compare their user experience with other sectors and have incredibly high expectations. However, going full speed ahead is regarded by many as unaffordable, too complex, divisive, or all of the above.<\/p>","protected":false},"author":3,"featured_media":2824,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2823","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\/2823","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=2823"}],"version-history":[{"count":20,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/posts\/2823\/revisions"}],"predecessor-version":[{"id":6895,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/posts\/2823\/revisions\/6895"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/media\/2824"}],"wp:attachment":[{"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/media?parent=2823"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/categories?post=2823"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/tags?post=2823"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}