{"id":7547,"date":"2023-01-25T14:27:05","date_gmt":"2023-01-25T13:27:05","guid":{"rendered":"https:\/\/www.contovista.com\/interview-mit-karsten-kaiser-copy\/"},"modified":"2023-02-01T09:23:49","modified_gmt":"2023-02-01T08:23:49","slug":"news-latest-news-open-finance","status":"publish","type":"post","link":"https:\/\/www.contovista.com\/en\/news\/latest-news\/open-finance\/","title":{"rendered":"Open Finance"},"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>25.01.2023<\/span>\n\n                        <span>9 min read<\/span> \n          <\/div>\n                <!-- Article data  -->\n\n        <!-- Titles  -->\n                              <h1 class=\"white\">Open Finance: Strategies and Opportunities in 2023<\/h1>\n                   \n\n                <!-- Titles  -->\n\n        <!-- Description  -->\n                  <p class=\"white hero__info-description-desktop\">The Swiss financial market is opening up to the future!<\/p>\n                          <p class=\"white hero__info-description-mobile\">The Swiss financial market is opening up to the future!<\/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\/2023\/01\/Meeting-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:60px\" 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>Open Finance: Strategies and Opportunities in 2023<\/h2>\r\n          <div class=\"textbox\">\r\n        <p>The Swiss financial market is opening up to the future! In December 2022, the Federal Council launched an <a href=\"https:\/\/www.admin.ch\/gov\/en\/start\/documentation\/media-releases.msg-id-92275.html\" target=\"_blank\" rel=\"noopener\">initiative<\/a> to help Open Finance make a breakthrough in Switzerland. This will enable a whole range of digital innovations that will benefit all stakeholders \u2013 customers and financial institutions alike.<\/p>\n<p>The Federal Department of Finance is now formulating <a href=\"https:\/\/www.newsd.admin.ch\/newsd\/message\/attachments\/74566.pdf\" target=\"_blank\" rel=\"noopener\">goals<\/a> for this, such as creating common standards, opening up interfaces, and offering scalable solutions. They are all intended to ensure that the framework conditions for Open Finance in Switzerland are sound.<\/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>What Open Finance Brings: Convenience, Digitalisation, Growth<\/h2>\r\n          <div class=\"textbox\">\r\n        <p>Open Finance lays the foundation for yet another new, customer-centric world of financial services. By opening up access to financial data and account functions, third-party providers can develop a wide range of products and services for financial customers \u2013 and provide access to them via their regular bank account.<\/p>\n<p>This includes Open Banking, i.e. services related to account information (e.g., data evaluation) and account functions (e.g., payment initiation), which provide the basis for services such as multibanking. In fact, multibanking improves these services even further by allowing customers to manage third-party accounts centrally via their bank\u2019s e-banking system. The comprehensive database with access to all account transactions enhances the quality of analytics and personalised offers.<\/p>\n<p>Contovista actually already offers multibanking and uses the Swiss <a href=\"https:\/\/www.six-group.com\/en\/products-services\/banking-services\/blink.html#scrollTo=services\" target=\"_blank\" rel=\"noopener\">bLink<\/a> ecosystem for this purpose. Beyond Open Banking, Open Finance also includes insurance companies, pension funds and, at first glance, non-banking services.<\/p>\n<p>In the future, customers will be able to manage everything to do with their finances, and in some cases even beyond them, on the same platform \u2013 and at their main bank. They will enjoy a convenient digital user experience, real-time service when applying for a loan, for example, and relevant personalised offers. In turn, financial institutions increase their efficiency, reduce costs, drive sales and, last but not least, boost customer satisfaction.<\/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\/2023\/01\/20230119-Contovista-Blog-Post-Open-Finance_Infographic_EN-1.jpg\" \r\n        alt=\"Contovista: Open-Finance_Infographic_EN\"\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          <h2>Innovation boost for the financial industry<\/h2>\r\n          <div class=\"textbox\">\r\n        <p>With this initiative, the Federal Council is adopting a market-based approach that relies on the industry\u2019s initiative instead of regulatory requirements such as those imposed by the EU (PSD2). Industry representatives and researchers welcome this approach. Nevertheless, the pressure on the industry is mounting: if targets are not met by June 2024, regulatory intervention may still be required.<\/p>\n<p>This data definitely represents regulatory urgency for financial institutions. Of course, banks should not wait until 2024 and the developments that ensue \u2013 the benefits of Open Finance are already too great for them to position themselves in the increasingly fierce competitive environment of digital banking: the time to act is now!<\/p>\n<p>However, digital investments cost both time and money. To ensure particularly efficient and rapid implementation, institutions can also opt to work with a proven expert like Contovista. For us, this topic is nothing new \u2013 Open Finance has been part and parcel of our DNA from the very outset. We\u2019ve been developing API-based financial management tools and associated business models since 2013. Made in Switzerland, for Switzerland. In fact, we actually introduced multibanking options all the way back in 2019.<\/p>\n<p>From a technical perspective, implementation is straightforward, fast, and secure for banks. The same applies for customers, assuming they grant their consent to the services. It goes without saying that this digital opening only takes place with the customer\u2019s express consent.<\/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>Open Finance 2024 and Open Banking: Outlook and Opportunities<\/h2>\r\n          <div class=\"textbox\">\r\n        <p>The goals for Open Finance 2024 have been formulated, the go-ahead has been given, and a wide range of use cases has already been rolled out on the Swiss market. Many more are planned and will follow. So, where do we go from here? Here are some examples of the future agenda:<\/p>\n<ul>\n<li>Based on the precise customer profile, <strong>personalised product recommendations<\/strong> can be made that are really relevant and valuable for users. These include financial products from the bank itself as well as products from external providers.<\/li>\n<li>With access to comprehensive, real-time account data, loans can be offered at precisely the right time and for the right amount where there is a specific need.<br \/>\nAt the same time, account data analytics provides customers with tips and insights that help them keep their finances under control \u2013 this is an important contribution to helping them maintain <strong>financial health<\/strong>.<\/li>\n<li>Beyond Banking turns the bank\u2019s e-banking system into a <strong>useful control centre for consumers<\/strong>. They receive tailored offers for travel, insurance, or rental cars, can obtain vouchers, and can take advantage of bonus and customer loyalty programmes.<\/li>\n<li>If the house bank rejects a loan or card application, it could still be taken over by another institution. In return, the bank receives a<strong> broker commission<\/strong>, similar to the way an affiliate would be paid.<\/li>\n<\/ul>\n<p>The end result for banks is overwhelmingly positive. Open Finance enables a bank to generate more sales and raise its profile through relevant offerings. The bank opens up the world of Open Finance to customers and offers them a high-quality, digital user experience. As a result, customer loyalty is increased, the bank becomes a central first bank again, and is able to survive in today\u2019s competitive digital environment.<\/p>\n<p>Customers continue to place a great deal of trust in banks \u2013 and this trust is more than deserved thanks to the customer-centric service provided by Open Finance. And so Open Finance brings us full circle: rather than digitalisation posing a threat to established institutions, it actually helps to secure their future viability.<\/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>Leverage the Benefits of Open Finance with Contovista<\/h2>\r\n          <div class=\"textbox\">\r\n        <p>You want to position your bank for the future? That\u2019s great! So how can Contovista help you? Well, we support you on your journey into the world of Open Finance in the form of consulting and workshops with our technological expertise and customised Open Banking solutions, which are integrated into the existing e-banking system.<\/p>\n<p>The <a href=\"https:\/\/www.contovista.com\/produkte\/personal-finance-manager\/\">Personal Finance Manager (PFM)<\/a> provides customers with a personalised financial cockpit with a multibanking option and relevant tools such as a <a href=\"https:\/\/www.contovista.com\/en\/news\/latest-news\/contovista-and-deedster\/\">Carbon Footprint Manager.<\/a> The <a href=\"https:\/\/www.contovista.com\/produkte\/business-finance-manager\/\">Business Finance Manager (BFM)<\/a> with a multibanking option provides business customers with digital capabilities such as liquidity planning with real-time data along with an easier overview and analytics options. Our <a href=\"https:\/\/www.contovista.com\/produkte\/enrichment-engine\/\">Enrichment Engine<\/a> analyses and categorises transaction data, providing the basis for data-driven banking, supported by forward-looking technologies such as artificial intelligence and analytics.<\/p>\n<p>We are constantly developing and improving these solutions, and users reap the benefits immediately. With Contovista as your partner, you are perfectly positioned for future developments \u2013 and are already taking advantage of the benefits that Open Finance will bring to the financial world of tomorrow.<\/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              <\/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. 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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. 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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>The Swiss financial market is opening up to the future! In December 2022, the Federal Council launched an initiative to help Open Finance make a breakthrough in Switzerland. This will enable a whole range of digital innovations that will benefit all stakeholders \u2013 customers and financial institutions alike<\/p>","protected":false},"author":4,"featured_media":7571,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-7547","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\/7547","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=7547"}],"version-history":[{"count":9,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/posts\/7547\/revisions"}],"predecessor-version":[{"id":7585,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/posts\/7547\/revisions\/7585"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/media\/7571"}],"wp:attachment":[{"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/media?parent=7547"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/categories?post=7547"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/tags?post=7547"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}