Fintech Schweiz Digital Finance News – FintechNewsCH http://fintechnews.ch Mon, 22 Apr 2019 05:00:36 +0000 en-US hourly 1 4 Coworking Spaces in Switzerland Made for Fintech and Blockchain Entrepreneurs http://fintechnews.ch/fintech/fintech-blockchain-coworking-space-switzerland/27210/ Mon, 22 Apr 2019 04:54:57 +0000 http://fintechnews.ch/?p=27210 Whether you are a budding fintech entrepreneur or foreign fintech startup seeking to enter Switzerland’s vibrant fintech scene, coworking spaces are becoming an increasingly popular option. Home to over 50

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Whether you are a budding fintech entrepreneur or foreign fintech startup seeking to enter Switzerland’s vibrant fintech scene, coworking spaces are becoming an increasingly popular option.

Home to over 50 coworking spaces, entrepreneurs are spoiled for choice. Having so many options to pick from is often a good thing but it can also lead to choice paralysis.

Top help narrow the choices, we thought it would be useful to list out to our readers the co-working spaces in Switzerland that was built with fintech and blockchain entrepreneurs in mind.

F10 Fintech Coworking Space

F10-fintech-blockchain-coworking-space-switzerland

F10 Fintech Coworking Space

F10, an incubator and accelerator based in Zurich for fintech, regtech and insurtech startups, opened its coworking space in April 2018

Located in F10’s headquarters in Zurich, the F10 Fintech Coworking Space aims to become the “home of fintech” and extend the vibrant Swiss fintech ecosystem. The coworking space offers work and collaboration space for fintech enthusiasts and counts 60 workplaces on 500 square meters.

F10 regularly host events, inviting key players, enthusiasts and experts from within the Swiss fintech ecosystem.

 

Trust Square

trust-square-fintech-blockchain-coworking-space-switzerland

Trust Square meeting room

Located in the heart of Zurich, Trust Square offers a space for blockchain entrepreneurs, startups, businesses, investors as well as academics and researchers.

Today, more than 350 workstations are located on four floors, spanning 3,500 square meters on Zurich’s Bahnhofstrasse.

Trust Square is privately funded and run by a team of five founders. The center works closely with ETH Zurich, the Universities of Zurich and Basel, the Universities of Applied Sciences Rapperswil HSR and Lucerne, and the Business and Economic Development Division of the Canton of Zurich.

In June, Trust Square will be hosting the Swiss Blockchain Hackathon which promises to attract some 200 developers, creators and inventors from Switzerland and abroad.

 

Chainwork

Chainwork-fintech-blockchain-coworking-space-switzerland

Chainwork

Chainwork is a new center for innovation, creation and collaboration located in the center of Zurich. The coworking and event space, as well as accelerator, aim to facilitate innovation and networking between startups, entrepreneurs, investors and corporates.

The coworking offers customizable office solutions in a supportive environment, providing companies and entrepreneurs a space to work as well as the possibility to connect to each other.

The hub also includes Chainwork Prime, a private members club and an accelerator offering full support for startups on their journey from idea to product.

 

CV Labs

CV-Labs-fintech-blockchain-coworking-space-switzerland

CV Labs Coworking Space

Located in the town center of Zug, next to the train station, CV Labs provides flexible offices and coworking space where blockchain companies, startups and teams can brainstorm, collaborate and debate.

CV Labs features a total of 210 desks and provides members with 24/7 access, access to CV Labs ecosystem and community, events and meetups, full office services and discounter meeting room rental.

CV Labs also operates a ten-week incubation program which provides selected startups with up to US$125K in investment and mentorship from the most successful and visionary entrepreneurs and experts in the blockchain space.

Honorable Mentions

Impact Hub

Though Impact Hub is not targeted specifically at fintech startups, it is home to Advanon, a popular invoice financing platform.

Bluelion 

Bluelion operates both as an accelerator and a co-working space, Deposit Solutions Switzerland was an alumni of its incubation programme.

Featured image credit: Coworking space in Chainwork 

 

 

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Finally You Can Pay Your SBB Ticket with Twint, but Still Not with Bitcoins ;) http://fintechnews.ch/mobilepayments/sbb-twint-train-ticket/27242/ Fri, 19 Apr 2019 03:58:44 +0000 http://fintechnews.ch/?p=27242 Effective immediately, SBB customers can pay with TWINT. It is now possible to purchase tickets and services with Switzerland’s leading payment app on the SBB Mobile app as well as

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Effective immediately, SBB customers can pay with TWINT.

It is now possible to purchase tickets and services with Switzerland’s leading payment app on the SBB Mobile app as well as at SBB ticket machines and online. TWINT will thus become the preferred payment method for almost all forms of mobility.

In addition to the SBB, TWINT payments can be made with BLS, Lezzgo and Fairtiq and now also at many parking meters.

TWINT_und_SBB

TWINT is now also saved as a payment method for SBB Mobile.  It is also possible to make TWINT payments at SBB ticket machines and online at sbb.ch.

From mid-2019, it is planned that the SBB travel centres will also be equipped for the acceptance of TWINT payments. Many customers prefer to make use of the possibility to have payments debited directly to their bank account.

 

 

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Fintech Unicorn Raisin Teams up with Commerzbank to Launch New Financial Product http://fintechnews.ch/fintechgermany/fintech-unicorn-raisin-commerzbank/27197/ Thu, 18 Apr 2019 09:09:40 +0000 http://fintechnews.ch/?p=27197 Raisin announced that its savings platform Weltzsparen will be teaming up with Commerzbank to access its wide base of corporate clients and offer special conditions on fixed-term deposits. In addition to

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Raisin announced that its savings platform Weltzsparen will be teaming up with Commerzbank to access its wide base of corporate clients and offer special conditions on fixed-term deposits.

In addition to Commerzbank’s own products, corporate clients can now benefit from 3-month to 4-year term deposit offers from select German partner banks.

To start with, the cooperation is focused on limited liability corporations (known in Germany as GmbH’s) and will be gradually expanded to include further legal entities.

Lukas Schramm Fotografie - Eventfotograf - Berlin

Lukas Schramm Fotografie – Eventfotograf – Berlin

“Just as interest rates have fallen for retail savings products, rates on corporate deposits have also decreased and in some cases are yielding negative returns. With this collaboration Commerzbank’s corporate clients will be able to invest beyond the bank, securing rates well above the current market level in Germany,”

explained Dr. Daniel Berndt, Raisin’s Chief Client Officer.

 

 

 

The partnership will start by featuring fixed-term deposits from German credit institutions such as GRENKE BANK, NIBC BANK, and GEFA BANK. Commerzbank selected all the cooperating banks from Raisin’s more than 70 current partner banks, and will regularly review further partnership options as the cooperation unfolds.

Raisin is among the most well funded fintech companies in Germany, it recently made international headlines when it acquired MHB a Berlin-based bank

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Blockchain VC blufolio Invests in Digital Banking Startup YAPEAL http://fintechnews.ch/blockchain_bitcoin/blufolio-yapeal/27202/ Thu, 18 Apr 2019 08:23:28 +0000 http://fintechnews.ch/?p=27202 blufolio a blockchain VC fund recently announced its first investment into Zurich Based YAPEAL. The sum of the investment was not disclosed. Yapeal is an upcoming neo-bank in Switzerland that

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blufolio a blockchain VC fund recently announced its first investment into Zurich Based YAPEAL. The sum of the investment was not disclosed.

Yapeal is an upcoming neo-bank in Switzerland that aims to redefine banking. The YapApp would be based on blockchain-inspired technology, and some features include a fully-digital onboarding process, AI to figure out one’s lifestyle and habits, a digital budget advisor called the Financial Amigo, among others.

It is listed among our selection of the top 19 Swiss Fintech Startups to Watch in 2019.

Balazs Klemm

Balazs Klemm

“We are delighted to support the growth of YAPEAL, which targets a clear gap in the Swiss banking market. We see great opportunities for YAPEAL’s world-class management team to scale the company’s offering via partnerships in the Swiss and broader European market”,

says Balazs Klemm, blufolio founding partner.

 

 

James Dougall, blufolio founding partner, describes how YAPEAL fits into blufolio’s investment philosophy:

James Dougall

James Dougall

“Switzerland and Fintech are blufolio’s absolute cornerstone investment themes. YAPEAL fits perfectly into both. We always look for a clearly defined target market and ability to execute, which must both be given, in addition to a strong blockchain-related product and tech stack. YAPEAL delivers on all fronts. We look forward to accompanying them on their growth path.”

 

 

Featured image credit: blufolio

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Credit Suisse Adds Samsung Pay to its Mobile Payments Offering http://fintechnews.ch/mobilepayments/credit-suisse-samsung-pay/27165/ Tue, 16 Apr 2019 09:33:01 +0000 http://fintechnews.ch/?p=27165 Credit Suisse announced that by 30th April, its Swiss customers will be able to make payments using their Swisscard-issued credit cards. With this recent addition, Credit Suisse is expanding its

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Credit Suisse announced that by 30th April, its Swiss customers will be able to make payments using their Swisscard-issued credit cards.

With this recent addition, Credit Suisse is expanding its mobile payment offering – which already encompasses TWINT, SwatchPAY and most recently Apple Pay.

Once Samsung Pay is made available to Credit Suisse’s customers, they will be able to use it to make payments abroad.

Much like its counterpart ApplePay, the relationship between Samsung Pay and banks were a subject of much controversy.

The Swiss Competition Commission previously opened a probe to investigate whether institutions like Credit Suisse colluded to favour TWINT over Samsung Pay — an allegation which Credit Suisse refuted.

 

Featured image credit: Credit Suisse

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Hypotheken Vermittler HypoPlus Baut aus http://fintechnews.ch/online-mortgage/hypotheken-vermittler-hypoplus-baut-aus/27173/ Tue, 16 Apr 2019 09:08:56 +0000 http://fintechnews.ch/?p=27173 HypoPlus, der unabhängige Hypothekenvermittler und Partner-Service des Online-Vergleichsdienstes comparis.ch, baut seine Expertise im Bereich Hypothekarberatung mit zusätzlichen Fachkräften aus. Seit Jahresbeginn sind 9 zusätzliche Hypothekarberaterinnen und -berater dazugestossen. Zudem wurden

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HypoPlus, der unabhängige Hypothekenvermittler und Partner-Service des Online-Vergleichsdienstes comparis.ch, baut seine Expertise im Bereich Hypothekarberatung mit zusätzlichen Fachkräften aus.

Seit Jahresbeginn sind 9 zusätzliche Hypothekarberaterinnen und -berater dazugestossen. Zudem wurden das Partnermanagement und die IT weiter gestärkt.

Vlad Ciocan

Zusätzlich zum Ausbau der Aktivitäten im Deutschschweizer Markt forciert HypoPlus auch die Präsenz in der Romandie und im Tessin.

«In beiden Regionen beobachten wir einerseits einen zunehmenden Bedarf an Online-Hypothekarvermittlung. Andererseits suchen Hypothekaranbieter nach zusätzlichen kosteneffizienten Vertriebskanälen»,

erklärt der HypoPlus CEO Vlad Ciocan.

Die HypoPlus AG wurde 2013 ins Leben gerufen und ist auf die massgeschneiderte Beratung und Vermittlung von Hypotheken spezialisiert. Das Unternehmen mit Sitz in Zürich ist eine 100-prozentige Tochter der Decisis Holding AG, zu der auch die comparis.ch AG gehört.
HypoPlus startete bereits 2011 mit der Vermittlung von Hypotheken.

 

Featured image credit: Pixabay

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New CEO for Swisscom Blockchain AG http://fintechnews.ch/blockchain_bitcoin/new-ceo-for-swisscom-blockchain-ag/27158/ Tue, 16 Apr 2019 08:52:45 +0000 http://fintechnews.ch/?p=27158 Swisscom’s Blockchain subsidiary will be managed by Lukas Hohl from 1 May 2019. The 41-year-old Swiss citizen is returning to Switzerland for his new assignment from the US East Coast,

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Swisscom’s Blockchain subsidiary will be managed by Lukas Hohl from 1 May 2019.

The 41-year-old Swiss citizen is returning to Switzerland for his new assignment from the US East Coast, where he has helped build up the consultancy firm Synpulse’s US business. He replaces Davide Haudenschild who left the company recently.

Swisscom Blockchain AG offers blockchain technology consulting and project services to companies across all industries. Since January 2019, the Swisscom subsidiary has been managed on an interim basis by Roger Wüthrich-Hasenböhler, Chief Digital Officer of Swisscom.

Experienced entrepreneur to take over

With Lukas Hohl, an experienced leader and entrepreneur is now taking over the management of Swisscom Blockchain AG. Over the past 15 years, the 41-year-old ETH engineer and Harvard Business School alumnus has held various roles at BearingPoint, Swisscom, Sofgen and Synpulse, advising numerous financial companies on business and IT topics in Asia, the USA and Switzerland and leading various consulting teams. In addition to this, Lukas Hohl has helped set up an offshore development team in Manila (Philippines) for Sofgen and the US business for Synpulse.

Roger Wüthrich-Hasenböhler is happy about the appointment.

“In the past, Lukas Hohl has built up and managed companies, managed complex large-scale projects, is well connected in Switzerland and internationally, and fits excellently into the young team of Swisscom Blockchain AG.”

Lukas Hohl currently still lives in Boston (USA). He will take over the CEO position as of 1 May 2019, and will be moving to Switzerland within the first two months. Along with the existing team, he will continue to pursue the previous blockchain technology strategy and drive the further expansion of Swisscom Blockchain AG.

Lukas Hohl ceo swisscom blockchain

Lukas Hohl

Talking about his new role, Lukas Hohl says:

“Technology that fundamentally revolutionises existing systems, a young, talented team and an agile environment with our customers and within Swisscom – what more could you ask for?”

Ongoing projects and an ecosystem for digital assets

Swisscom Blockchain AG currently supports around a dozen companies in developing possible blockchain applications and implementing solutions. Examples include solutions for vial tracking for a large pharmaceutical company, digitising a cantonal commercial register or illustrating bills of lading and freight tracking on the blockchain. In addition, Swisscom Blockchain AG also supports other Swisscom initiatives in the context of blockchain technology.

In particular, the private blockchain, which Swisscom is developing in collaboration with Swiss Post based on Swisscom’s blockchain infrastructure “Hyperledger Fabric”, and the ecosystem for digital assets, which Swisscom is creating in partnership with Sygnum and Deutsche Börse. In addition to the blockchain infrastructure mentioned above, the digital shares of daura AG, as well as Custodigit’s solution for the secure storage of digital assets also form part of this ecosystem.

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Porsche Explores Blockchain Deployment for Driverless Cars http://fintechnews.ch/blockchain_bitcoin/porsche-blockchain-driverless-cars/27151/ Tue, 16 Apr 2019 05:00:16 +0000 http://fintechnews.ch/?p=27151 In collaboration with the Berlin-based start-up XAIN, Porsche is currently testing blockchain applications directly in vehicles. This is not the first instance of a luxury automotive company turning to blockchain

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In collaboration with the Berlin-based start-up XAIN, Porsche is currently testing blockchain applications directly in vehicles.

This is not the first instance of a luxury automotive company turning to blockchain to solve its problems. Mercerdes-Benz also announced earlier this year a project to drive sustainable supply chain using blockchain.

According a Porcshe spokesperson the objective behind them deploying blockchain is to enable data to transfer more securely and quickly.

Some of the specific applications tested include locking and unlocking the vehicle via an app, temporary access authorisations and new business models based on encrypted data logging. Porsche claims with blockchain opening and closing the car only takes 1.6 seconds — which is up to 6 times faster than before.

Autonomous Vehicles and Blockchain

Porsche is also exploring the use of blockchain for for driverless cars. With blockchain, the company claims that vehicle owners can make use of swarm data. What this means is that driverless cars can work, communicate and learn collectively rather than as individual units.

A network of driverless cars using swarm intelligence takes inspiration from nature and could for example replicate how a large colony of ants can maneuver around each other without causing any congestion.

A researcher from MIT working on this very area suggested that the use of blockchain could make the deployment of swarm intelligence more secure, autonomous, flexible and even profitable.

 

Featured image credit: Porsche

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Neues Führungsteam für eny Finance http://fintechnews.ch/p2plending/neues-fuhrungsteam-fur-eny-finance-andy-siemers-ceo/27088/ Mon, 15 Apr 2019 08:30:12 +0000 http://fintechnews.ch/?p=27088 Der Verwaltungsrat der eny Finance AG hat den 49-jährigen Andy Siemers zum ad interim Chief Executive Officer (CEO) der eny Finance AG gewählt. Der FinTech- und Finanzierungsmarkt- Spezialist kennt das

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Der Verwaltungsrat der eny Finance AG hat den 49-jährigen Andy Siemers zum ad interim Chief Executive Officer (CEO) der eny Finance AG gewählt.

Der FinTech- und Finanzierungsmarkt- Spezialist kennt das Geschäft von eny Finance bereits aus seiner Beratungstätigkeit und übernimmt ab sofort die Verantwortung von Bonart Mati, der sich nach 8-jähriger Aufbauarbeit neuen Herausforderungen widmen will.

Andy Siemers

Andy Siemers

Vor seinem Engagement bei eny Finance hat Andy Siemers als Unternehmer die erfolgreichen Start-ups Credix.ch und LEND.ch als Mitgründer aufgebaut und im Markt etabliert. Zuvor war Andy Siemers auch über 7 Jahre bei GE Money Bank (heute Cembra Money Bank) tätig, zuletzt als Chief Marketing Officer in der Geschäftsleitung.

Gleichzeitig mit dem CEO-Wechsel wird mit Daniel Mohler auch ein neuer CFO Einzug in die Geschäftsleitung der eny Finance AG nehmen. Daniel Mohler hielt bereits CFO Positionen bei verschiedenen Schweizer KMUs und war zuletzt bei Hilti Schweiz AG als Leiter Finanzbuchhaltung tätig.

Michel Destraz, Präsident des Verwaltungsrats von eny Finance AG:

«Wir sind äusserst erfreut mit Andy Siemers und Daniel Mohler zwei ausgewiesene Experten für eny Finance gewonnen zu haben und freuen uns mit ihnen zusammen die nächsten grossen Schritte in die Zukunft zu unternehmen.»

«Nach dem erfolgreichen Aufbau und einer imposanten Wachstumsphase kann sich eny Finance nun dem nächsten Kapitel der Erfolgsgeschichte widmen»,

meint Destraz weiter. Dank der erreichten Grösse wird sich Eny Finance nun vermehrt dem Aufbau von Effizienzen und dem Ausbau von Produkte-Innovationen widmen und so einen massgeblichen Beitrag zur Weiterentwicklung kundenfokussierter Finanzdienstleistungen im Schweizer Markt leisten.

 

Featured image credit: eny Finance AG

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Weg Mit Dem Passwort – Her Mit Neuen Authentisierungsmöglichkeiten http://fintechnews.ch/fintech/weg-mit-dem-passwort-her-mit-neuen-authentisierungsmoeglichkeiten/26789/ Fri, 12 Apr 2019 07:18:33 +0000 http://fintechnews.ch/?p=26789 Passwörter sind für Nutzer nach wie vor ein notwendiges Übel und Identitätsdiebstähle mehren sich – höchste Zeit, die Authentisierung zugleich einfacher und sicherer zu gestalten. Waren Sie schon einmal von

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Passwörter sind für Nutzer nach wie vor ein notwendiges Übel und Identitätsdiebstähle mehren sich – höchste Zeit, die Authentisierung zugleich einfacher und sicherer zu gestalten.

Waren Sie schon einmal von Datendiebstahl betroffen? Hat Sie ein Dienstleistungsanbieter über einen unbefugten Zugriff auf seine Nutzerdatenbank informiert? Wenn ja, sind Sie nicht allein, wie die Umfrage zeigt, die AdNovum 2018 zum Thema digitale Identitäten durchgeführt hat. In den zwei Jahren seit AdNovums letzter Umfrage hat sich die Zahl der von Identitätsdiebstahl betroffenen Personen verdoppelt.

Für Angreifer ist es offenbar unverändert einfach, digitale Identitäten zu manipulieren oder zu stehlen. Ein Grund: Nutzerkonten werden auf breiter Front mit einfachen Passwörtern geschützt und lassen sich deshalb leichter hacken als solche mit biometrischer oder zusätzlicher Sicherheitsprüfung. Für die Nutzer sind Passwörter offenbar ein notwendiges Übel.

85% der Befragten geben an, sie seien zu bequem, um ihr Passwort regelmässig zu ändern, und 33% verwenden für die meisten Konten dasselbe Passwort. 40% der Nutzer können wiederum nicht einloggen, wann sie wollen, weil sie das Token oder den Kartenleser nicht dabei haben.

digital identityAll diese Faktoren zusammen bilden einen starken Anreiz, Authentisierungslösungen bereitzustellen, die sich nicht allein auf Passwörter verlassen. Die Ergebnisse der Umfrage von 2018 liefern einen klaren Hinweis darauf, wo man einer besseren Lösung bieten sollte: 99% der Umfrageteilnehmer nutzen ihre digitalen Identitäten neben dem Desktop Computer auf ihrem mobilen Gerät.

Hinzu kommt, dass nur 8% sagen, ihr mobiles Gerät unterstütze keinerlei biometrische Authentisierung wie Fingerabdruck oder Gesichtserkennung. Angesichts der praktisch universellen Nutzung solcher Geräte und der Tatsache, dass diese fast ausnahmslos eine Form biometrischer Authentisierung unterstützen, liegt es nahe, zur besseren Sicherheit der Konten auf Biometrie zu setzen. Was ebenfalls dafür spricht: 2016 gaben noch 33% der Befragten an, biometrische Features zu nutzen, 2018 waren es bereits 66.

digital identity

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