{"id":8044,"date":"2023-02-15T15:44:57","date_gmt":"2023-02-15T14:44:57","guid":{"rendered":"https:\/\/www.contovista.com\/winter-release-2023\/"},"modified":"2023-08-03T17:38:01","modified_gmt":"2023-08-03T15:38:01","slug":"winter-release-2023","status":"publish","type":"post","link":"https:\/\/www.contovista.com\/en\/news\/latest-news\/winterrelease-2023\/","title":{"rendered":"Winter Release 2023"},"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>15.02.2023<\/span>\n\n                        <span>15 min read<\/span> \n          <\/div>\n                <!-- Article data  -->\n\n        <!-- Titles  -->\n                              <h1 class=\"white\">Winter Release 2023<\/h1>\n                   \n\n                <!-- Titles  -->\n\n        <!-- Description  -->\n                  <p class=\"white hero__info-description-desktop\">New Features of the Contovista Solutions<\/p>\n                          <p class=\"white hero__info-description-mobile\">New Features of the Contovista Solutions<\/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\/02\/20230213-Contovista-Blog-Post-PFM-Bfm-EE_1200x630.jpg\" \n            alt=\"Contovista Winterrelease 2023\"\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>New Features of the Contovista Solutions<\/h2>\r\n          <div class=\"textbox\">\r\n        <p>We\u2019re constantly working on optimisations and new features for our data-driven finance management and data analytics solutions for the financial transformation of the banking world. And we\u2019re delighted to make these available to our customers in our next release.<\/p>\n<p><a href=\"#multibanking_pfm\">\ud83c\udd95<\/a><a href=\"#multibanking_pfm\">Multibanking: 360\u00b0- Financial Overview in the Personal Finance Manager (PFM)<\/a><\/p>\n<p><a href=\"#sparziele\">\ud83d\udc49<\/a><a href=\"#abo\">Quick Overview of Regular Outgoings: Subscription Overview in the PFM<\/a><\/p>\n<p><a href=\"#co2-manager\">\ud83c\udf0d<\/a><a href=\"#co2-manager\">New Features in the Carbon Footprint Manager in the PFM<\/a><\/p>\n<p><a href=\"#sparziele\">\u2705<\/a><a href=\"#sparziele\">Full Control over Saving Goals: Saving Spaces in the PFM<\/a><\/p>\n<p><a href=\"#bfm\">\ud83d\udc4f<\/a><a href=\"#bfm\">The Business Solution for Multibanking: Business Finance Manager (BFM) with bLink<\/a><\/p>\n<p><a href=\"#enrichmentengine\">\u2747\ufe0f Enrichment Engine: Counterparty Category and the new Geolocation Feature<\/a>.<\/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\" id=\"multibanking_pfm\" >\r\n  <div class=\"container\">\r\n    <div class=\"title-copy__wrapper\">\r\n          <h2>Multibanking: 360\u00b0- Financial Overview in the Personal Finance Manager (PFM)<\/h2>\r\n          <div class=\"textbox\">\r\n        <p>The PFM is a financial assistant for <strong>retail customers<\/strong>, offering intuitive digital tools and analytics options that allow for extremely convenient management of personal finances. This includes features such as instant search and the automatic categorisation of transactions, along with the correct logos and merchant names. The new release now comes with an <strong>extension for multibanking<\/strong>, which banks can also offer their retail customers.<\/p>\n<p>Multibanking provides users with <strong>a holistic overview of all their accounts<\/strong>, with <a href=\"https:\/\/www.contovista.com\/en\/products\/personal-finance-manager\/\">all PFM features<\/a> available to them across all accounts. The<strong> assets page<\/strong> also covers all connected accounts. In the future, customers will <strong>be able to view all transactions<\/strong> in the PFM. What\u2019s more, the PFM also offers daily updated <strong>indicative exchange rates<\/strong> (via an e-banking API). All of this is offered centrally and conveniently in e-banking, which in turn cements their role as the principal bank and boosts customer loyalty. After all, why log in somewhere else when you can have everything in one overview in your banking app?<\/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\/02\/20230206-Contovista-Blog-Post-bLink-Beitrag-Multibanking_3.jpg\" \r\n        alt=\"Onboarding Multibanking in 3 Schritten\"\r\n        caption=\"\"\r\n        description=\"\">\r\n\r\n              <p class=\"text14 dark-sky-80\">Image: Multibanking onboarding in just a few steps.<\/p>\r\n      \r\n      \r\n    <\/div>\r\n  <\/div>\r\n<\/section>  \n\n\r\n<section class=\"title-copy section logo-color logo-color-dark\"  >\r\n  <div class=\"container\">\r\n    <div class=\"title-copy__wrapper\">\r\n          <div class=\"textbox\">\r\n        <p>The new extension \u201cMultibanking for retail\u201d is based on <a href=\"https:\/\/www.contovista.com\/en\/multibanking_contovista_blink\/\">bLink<\/a>, the platform for Open Banking in Switzerland. Users can add second and third accounts in just a few steps \u2013 completely digital without any paperwork.<\/p>\n<ol>\n<li>Select bank from the list<\/li>\n<li>Redirect to the authentication page of the third-party bank (for confirmation and authentication)<\/li>\n<li>Return to the PFM: access to the linked account is ready<\/li>\n<\/ol>      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\n\n\r\n<section class=\"image-copy section logo-color logo-color-white\" id=\"abo\" >\r\n  <div class=\"container\">\r\n    <div class=\"image-copy__wrapper flex jcsb\">\r\n      \r\n      <div class=\"image-copy__image\">\r\n\r\n                      <img decoding=\"async\" \r\n          src=\"https:\/\/www.contovista.com\/wp-content\/uploads\/2023\/02\/20230215_Abo-Uebersicht.png\"  \r\n          alt=\"\"\r\n          caption=\"\"\r\n          description=\"\">\r\n                      \r\n              <\/div>\r\n\r\n      <div class=\"image-copy__copy\">\r\n        <h2>Regular Outgoings: Subscription Overview in the PFM<\/h2> \r\n        <div class=\"textbox\">\r\n          <p>A large part of our expenditure is accounted for by regular payments such as subscriptions \u2013 whether that\u2019s fitness apps or streaming services. However, it\u2019s not often easy for retail consumers to keep track of these, as the payment periods vary, new subscriptions are added or even expire. Users frequently have subscriptions that they hardly use or redundant subscriptions such as both a OneDrive and GDrive subscription. The subscriptions serve the same purpose, but the user pays twice.<\/p>\n<p>That\u2019s why we have now also equipped the PFM with a subscription overview, allowing users to quickly recognise regular subscription payments and see them clearly displayed.<\/p>\n<p>With the subscription overview, the PFM supports users in managing their finances in two ways:<\/p>\n<ul>\n<li>We provide users with an overview of their current subscriptions.<\/li>\n<li>We show users how much money they have spent on subscriptions in the current month. In the future, we will also inform them if a new subscription has been detected (release 23.07).<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\r\n                  <\/div>\r\n      <\/div>\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              <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\n\n\r\n<section class=\"title-copy section logo-color logo-color-dark\" id=\"co2-manager\" >\r\n  <div class=\"container\">\r\n    <div class=\"title-copy__wrapper\">\r\n          <h2>New Features in the Carbon Footprint Manager in the PFM<\/h2>\r\n          <div class=\"textbox\">\r\n        <p>With our additional module known as <a href=\"https:\/\/www.contovista.com\/en\/products\/personal-finance-manager\/#services\">the Carbon Footprint Manage<\/a>r, the PFM becomes even more relevant for consumers. This tool supports them in their everyday lives with personalised tips on how to reduce their carbon footprint. Our data-based climate assistant now offers the following capabilities:<\/p>\n<ul>\n<li>The <a href=\"https:\/\/youtu.be\/rSoSLoTMJLI\" target=\"_blank\" rel=\"noopener\">Carbon Footprint Manager<\/a> analyses transaction data and calculates an<strong> individual\u2019s carbon footprint<\/strong> based on Swiss data \u2013 broken down by category and at the level of individual transactions. <strong>By comparing this with the Swiss average<\/strong>, users can see how to interpret their personal carbon footprint. They can also view the CO2 contribution of certain categories (home, food, etc.) and<strong> trace it right down to individual transactions<\/strong>.<\/li>\n<li>The Carbon Footprint Manager now also provides a selection of <strong>personalised tips<\/strong> for greater sustainability, which are compiled based on the largest individual CO2 emitters. This way, users gain new ideas and inspiration in the form of gamification elements, as well as valuable information on the topic of sustainability. The<strong> tips can be bookmarked, hidden, or directly applied and completed<\/strong> \u2013 the status is also saved. This makes it possible to regularly check and improve your behaviour.<\/li>\n<li>The Carbon Footprint Manager also supports users in <strong>actively reducing their carbon footprint<\/strong>. They can set up shopping budgets for individual merchants, create sustainable shopping goals (e.g., saving for an e-bike), and receive suitable options for sustainable financial investments if they are interested.<\/li>\n<\/ul>      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\n\n\r\n<section class=\"image-copy section logo-color logo-color-white\" id=\"sparziele\" >\r\n  <div class=\"container\">\r\n    <div class=\"image-copy__wrapper flex jcsb image-copy__wrapper--reverse\">\r\n      \r\n      <div class=\"image-copy__image image-copy__image--right\">\r\n\r\n                      <img decoding=\"async\" \r\n          src=\"https:\/\/www.contovista.com\/wp-content\/uploads\/2023\/02\/20230215_Sparziele-neu.png\"  \r\n          alt=\"\"\r\n          caption=\"\"\r\n          description=\"\">\r\n                      \r\n              <\/div>\r\n\r\n      <div class=\"image-copy__copy\">\r\n        <h2>Full Control over Saving Goals: Saving Spaces in the PFM<\/h2> \r\n        <div class=\"textbox\">\r\n          <p>Formerly saving goals, now saving spaces\u2026<br \/>\nOur extended saving spaces offer even more practical help with people\u2019s everyday financial lives.<\/p>\n<p>Saving spaces allow you to set up<strong> individual saving goals<\/strong>. We\u2019ve now improved this option by allowing <strong>multiple saving spaces to be created per account across multiple accounts<\/strong>, e.g., a private account and savings account. In addition, we have optimised the user experience of the feature to ensure better user-friendliness and greater flexibility across the different accounts.<\/p>\r\n                  <\/div>\r\n      <\/div>\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\" id=\"bfm\" >\r\n  <div class=\"container\">\r\n    <div class=\"title-copy__wrapper\">\r\n          <h2>The Business Solution for Multibanking: Business Finance Manager (BFM) with bLink<\/h2>\r\n          <div class=\"textbox\">\r\n        <p>It goes without saying that we offer multibanking both in the PFM and in our solution for business customers (BFM), where we <a href=\"https:\/\/www.contovista.com\/en\/multibanking_contovista_blink\/\">now work with bLink\/SIX<\/a>. Thanks to the optimised digital process, onboarding accounts with third-party banks is now just as fast and efficient as in the PFM.<\/p>\n<p>The bLink platform allows data to be exchanged between end customers, financial institutions, and third-party providers via open API interfaces. What\u2019s more, users only need to be authenticated once thanks to the standardised interfaces.<\/p>\n<p><a href=\"https:\/\/www.contovista.com\/en\/products\/business-finance-manager\/#features_en\">Multibanking in the BFM<\/a> provides a complete overview of asset information and enables the recording of account transactions across all accounts. In addition, outstanding payments can be monitored and further analyses, such as liquidity, can be imported.<\/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\/02\/20230206-Contovista-Blog-Post-bLink-Beitrag-Multibanking_small-EN.jpg\" \r\n        alt=\"Contovista: Multibanking for PFM and BFM with bLink\"\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\" id=\"enrichmentengine\" >\r\n  <div class=\"container\">\r\n    <div class=\"title-copy__wrapper\">\r\n          <h2>Enrichment Engine: New Categories for Determining the Counterparty<\/h2>\r\n          <div class=\"textbox\">\r\n        <p>The Enrichment Engine is our solution that enables the automatic analysis, categorisation, and intelligent enrichment of account data. In order to enrich the transaction data even more effectively, we are <strong>introducing the counterparty category with over 1,000 categories.<\/strong><\/p>\n<p>This hierarchical categorisation makes it possible to <strong>identify payments to third parties<\/strong> or to <strong>classify merchants<\/strong> down to the finest detail (e.g., pharmacy vs. chemist). The <strong>counterparty category represents a new dimension of data analytics<\/strong> and enables the construction of new variables for your machine learning models. This makes the models less error-prone and <strong>increases accuracy<\/strong>.<\/p>\n<p><strong>Further benefits:<\/strong><\/p>\n<ul>\n<li>Banks receive <strong>meaningful information about counterparties<\/strong> and can now see to whom payments are made.<\/li>\n<li>Merchants can be classified by a hierarchical structure up to the desired level of detail.<\/li>\n<\/ul>      <\/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>Knowing Where: The Geolocation Feature of the Enrichment Engine<\/h2>\r\n          <div class=\"textbox\">\r\n        <p>Das Feature zur Geolokalisierung \u2013 also die Ortung, wo eine Kartenzahlung stattgefunden hat \u2013 wurde komplett redesigned und <strong>deutlich verbessert<\/strong>. Neu k\u00f6nnen genaue Standortinformationen zu H\u00e4ndler:innen in der Schweiz angegeben werden. Zus\u00e4tzlich bietet das Feature die M\u00f6glichkeit, die H\u00e4ndler-Koordinaten auf einer Karte darzustellen. Unser Framework zur Geolokalisierung ist so flexibel aufgebaut worden, dass es uns erlauben wird, fortlaufend H\u00e4ndler auch aus dem Ausland orten zu k\u00f6nnen.<\/p>\n<p>Zu Kreditkartentransaktionen liegen normalerweise ausser Ort oder Postleitzahl keine weiteren Adressdetails vor. Pro H\u00e4ndler wird meist nur eine Adresse unterst\u00fctzt (typischerweise der Hauptsitz). Unser <strong>Geolocation Feature liefert exakte Standortinformationen<\/strong>, wie z.B. den genauen Standort der Filiale, in der eine bestimmte Transaktion stattgefunden hat.<\/p>\n<p><strong>Die Erweiterung des Geolocation &#8211; Feature beinhaltet:<\/strong><\/p>\n<ul>\n<li><strong>Angabe der Koordinaten (L\u00e4ngen- und Breitengrad)<\/strong> der Kartentransaktionen, die physisch (d.h. ohne E-Commerce) in der Schweiz stattgefunden haben.<\/li>\n<li><strong>Unser Zusatzservice f\u00fcr dich<\/strong>: Koordinaten auf einer Karte anzeigen lassen, die auch in andere Applikationen integriert werden k\u00f6nnen.<\/li>\n<\/ul>\n<p>The geolocation feature, which shows the location of a card payment, for example, has been completely redesigned and <strong>significantly enhanced<\/strong>. Precise location information on merchants in Switzerland can now be entered. In addition, the feature offers the possibility to display the merchant coordinates on a map. Our geolocation framework has developed so flexibly that it allows us to locate merchants from abroad as well.<\/p>\n<p>Credit card transactions usually have <strong>no address details<\/strong> other than city or postcode. Only one address is usually supported per merchant (typically the head office). Our geolocation feature provides exact location information, such as the precise location of the branch where a particular transaction took place.<\/p>\n<p><strong>The extension of the geolocation feature includes:<\/strong><\/p>\n<ul>\n<li>Indication of the <strong>coordinates (longitude and latitude)<\/strong> of the card transactions that took place physically (i.e., excluding e-commerce) in Switzerland.<\/li>\n<li>Our additional service for you: display coordinates on a map that can also be <strong>integrated into other applications<\/strong>.<\/li>\n<\/ul>      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\n\n  \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--load-more 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    <\/div>\r\n\r\n    \r\n            \r\n                  <a \r\n            href=\"\/\" \r\n            class=\"btn btn--bordered btn--bordered--plus load-more-articles\">\r\n            Show more articles          <\/a>\r\n              \r\n      \r\n   \r\n    \r\n  <\/div>\r\n<\/section> \n\n\r\n<section \r\n  style=\"background: linear-gradient(90deg, rgba(34, 236, 187, 0.5) 0%, rgba(6, 78, 96, 0.5) 28.12%, rgba(0, 41, 75, 0.5) 100%),url(https:\/\/www.contovista.com\/wp-content\/uploads\/2022\/10\/Coffebar_people-chatting2-scaled.jpg);background-position: center; background-repeat:no-repeat; background-size: cover;\"\r\n  class=\"section contact contact--diagonal-down contact--footer-stick logo-color logo-color-white\"  >\r\n  <div class=\"container\">\r\n    <div class=\"contact__wrapper\">\r\n          <h2 class=\"white\">Still have questions about the 2023 winter release?<\/h2>\r\n          <p class=\"fw700 white\">We will be happy to provide you with more information about new features and innovations of our finance management solutions without any obligation.<\/p>\r\n\r\n      <!-- Button  -->\r\n       \r\n                  <a href=\"https:\/\/www.contovista.com\/en\/contact\/\" class=\"btn btn--gradient\" data-modal=\"modal-contacts\" target=\"_self\">\r\n        Contact experts \r\n        <span class=\"btn--gradient--span1\"><\/span>\r\n        <span class=\"btn--gradient--span2\"><\/span>\r\n      <\/a>\r\n      \r\n            <!-- Button  -->\r\n\r\n\r\n    <\/div>\r\n  <\/div>\r\n<\/section>","protected":false},"excerpt":{"rendered":"<p>We\u2019re constantly working on optimisations and new features for our data-driven finance management and data analytics solutions for the financial transformation of the banking world. And we\u2019re delighted to make these available to our customers in our next release.<\/p>","protected":false},"author":4,"featured_media":7892,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-8044","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\/8044","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=8044"}],"version-history":[{"count":10,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/posts\/8044\/revisions"}],"predecessor-version":[{"id":8062,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/posts\/8044\/revisions\/8062"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/media\/7892"}],"wp:attachment":[{"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/media?parent=8044"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/categories?post=8044"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/tags?post=8044"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}