We specialize in the regulatory complexity of European financial services. That expertise is in the architecture of every product we ship.
Our 3DS and identity solutions protect every transaction without interrupting the customer journey.
Built for European data sovereignty, PSD2, eIDAS 2.0, and DORA. From the ground up, not retrofitted.
We have worked alongside our clients for decades through every migration, regulation, and market shift.
Our digital banking suite supports the full customer journey: from onboarding to daily banking and advisory. Web and mobile are designed to work together and integrate with your existing core systems.
We’ve delivered solutions for regional, cantonal, and pan-European banks. The platform is modular, supports white-labelling, and stays aligned with regulatory changes. Your team can focus on running the business, not chasing compliance.
Most banks want to offer personal financial advice beyond high-net-worth clients. In practice, that’s hard: advisors are expensive, time is limited, and regulation is strict. Digital wealth management changes that by making quality advice scalable.
Our solutions cover the full advisory journey, from pension planning to mortgages and long-term financial planning. Built for both advisors and self-directed users, they make complex topics easier to navigate.
Add new payment capabilities without rebuilding your stack.
Payments keep evolving. Each new standard brings value, but also integration effort. The challenge is keeping up without constant rework.
We handle the technical card processing for you. As a central operator in the girocard system, we have the necessary experience and infrastructure.
Reduce fraud without adding friction.
More security often means more steps for your customers. The key is finding the right balance: stopping fraud while keeping approvals high. We cover the full payment stack: 3DS, tokenization, Click to Pay, and a service layer that connects payments, authentication, and identity. Everything runs on EMVCo-certified infrastructure and stays up to date, so your team doesn’t have to.
Our 3DS services protect over 200 million cards across more than 1,000 European banks. On top of that, our fraud prevention service adds behavioral and contextual signals, helping detect attacks early and reduce false positives.
Verify users without slowing them down.
Identity is where customers drop off, or where fraud slips through. Too many steps hurt conversion, too few increase risk. And with eIDAS 2.0 now in force, identity systems have to evolve.
Our portfolio covers the full spectrum: secure access (CIAM), acceptance and verification of European identity wallets with compliant fallback (brIDge), and reusable digital credentials issuance (mySSI). So you can verify users at onboarding and beyond, and stay ready as the EUDI Wallet arrives.
Advice grounded in what’s actually feasible.
Most institutions don’t lack ideas. They lack clarity on what to prioritize, what will last, and how to deliver value along the way.
We help define technology strategy, plan transformation, and respond to regulation – based on real-world delivery experience. Starting from your current setup, we identify what matters now and help you build a roadmap that holds up at board level.
AI that runs in production, not just in demos.
Moving AI into real financial systems is hard. Governance, risk, regulation, and legacy integration often stop projects before they scale.
We build AI that works under those conditions. From assistants that handle customer requests to document analysis and real-time fraud detection, our solutions are deployed in live environments – on cloud or on-premise.
Financial institutions across Europe rely on our digital solutions for the authentication, the identity checks, and the digital banking moments that matter most to their customers.
Tea Schmid, Head of Advisory Processes and Tools at St. Galler Kantonalbank, explains how the digital financial advisory solution "Omnium" offers customers a modern, digital, and holistic financial advisory.
G+D Netcetera collaborates with Clarity AI to integrate sustainability insights into the user experience,
First-party misuse is now the world’s leading type of fraud, yet it is almost impossible to spot at checkout. Discover why friendly fraud is rising, what it costs the payments industry, and how better data sharing could help distinguish genuine disputes from deliberate abuse.
G+D Netcetera wins two Juniper Awards 2026 for fraud prevention and digital wallets, as banks rethink their systems landscape for future payments
Enhance customers´ experience with direct card integration to enable Click to Pay
3DS and SCA are working as designed. So why is UK payment fraud still rising?
G+D Netcetera is a founding member of the Wow!Banking initiative in Germany. The initiative brings together experts from technology, consulting, academia, and practice to give the German financial market new impulse.
Stefan Giger, Head of Payment Fraud & Dispute Services at SIX Banking Services, about the ACS service for their debiX+ white-label app, which provides a stable, scalable service for handling 3DS transactions.
Shaun Baumberger, Head of Mobile Banking at PostFinance, describes how they launched the first Mobile Banking app on the Swiss market together with G+D Netcetera in 2011, and relaunched the app from scratch in 2021.
