Innovative business areas

PostFinance is open to new business ideas in the following areas

PFLab, PostFinance’s innovation lab, provides support for innovative ideas from clearly defined areas to help develop promising business ideas. Find out in which areas PostFinance is open to new business projects here.

  • Fintech covers digital and technological innovations for financial services and banks.

  • More and more intelligent objects will transmit data, and make and settle payments autonomously in future. Automated payment and billing modules and objects authorized to carry out payments are paving the way for new business models.

  • Tokenization involves assets being converted into digital tokens. These illustrate ownership through objects in the real world in blockchain. This makes assets more liquid and transparent. Owners can obtain financial resources by partially tokenizing their assets. In turn, access to investment opportunities is democratized.

  • Health management, financial management and retirement planning combined: retirement planning, the core pillar of our welfare state, is under pressure. How can retirement planning respond to demographic change, i.e. a lower birth rate and an ageing population? We aim to tackle this dilemma from brand new angles so that young people will also be engaged in retirement planning.

  • DaaS refers to the aggregation and analysis of a bank’s customer and transaction data for third parties. These analyses and reports provide location-based insights on the payment and savings behaviour of individuals and companies. Retailers use these insights strategically for store concepts or situation assessments. Real estate companies and investors can use it to establish what they need to build and where to increase their ROI.

    We want these big data analyses and assessments to create added value for customers and recipients. We can produce exciting analyses based on transaction data and other data within PostFinance. 

  • Banks also have the opportunity to tap into access options and interfaces in the gaming market and to develop solutions for it, such as the purchasing and trading of virtual goods, virtual market places, or developing own games. This in turn will give existing products and services a gaming component.

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