Digital Finance and Cybersecurity

In today’s world, digital innovations are a prerequisite for ensuring Switzerland’s competitiveness – a fact that also applies to the financial sector. For the Swiss financial centre to maintain its leading international position, the framework conditions for technological innovations must be excellent in worldwide comparison. That is why digitalisation is a core strategic topic for the Swiss Bankers Association.

The importance of “digitalisation”

Digital innovations in the financial sector are part of a series of technology-driven changes taking place in various sectors: journalism, the hotel industry and transportation services have all been impacted by the technological and structural change seen in recent years. In the wake of these developments, new markets, products and services are emerging to the benefit of the customer. For existing market participants, the rules of the game are changing accordingly

Seizing opportunities

Efficiency gains and innovative product offerings that are attuned to customer needs provide opportunities for Swiss banks. Particularly in light of declining margins and growing competition with existing and new financial services providers.

The Swiss banks have positioned themselves well in recent years in terms of digitalisation . They offer a combination of new digital possibilities and the firmly-established strengths of “Swiss banking”, such as financial expertise, discretion and reliability. These are prerequisites for ensuring that Switzerland remains a leading financial centre in the future. The fact that Switzerland is currently one of the most important fintech locations in the world is one example that reflects the strength of the financial centre in the area of digitalisation. An up-to-date overview of the Swiss fintech start-up scene can be found hear.

The role of the Swiss Bankers Association (SBA)

The Swiss Bankers Association plays an active role in developing strategies in areas relevant to the future competitiveness of the Swiss banking. An expert commission of the SBA is developing the foundations for the strategic positioning and opinion forming to this end. The Swiss Bankers Association advocates for commensurate, principles-based regulation to ensure the continued competitiveness of the Swiss financial centre and its stakeholders. In doing so, the Swiss Bankers Association makes a substantial contribution to strengthening and further developing Switzerland as a leading global financial centre. 

The Swiss Bankers Association is currently pursuing several fields of action in the area of digitalisation:


Richard Hess
Head of Digital Finance
+41 58 330 62 51
Andrea Luca Aerni
Policy Advisor Digital Finance
+41 58 330 62 58
Natalie Graf
Senior Legal Counsel
+41 58 330 62 42
Martin Hess
Chief Economist
+41 58 330 62 50