Digital Banking

Enhancing customer experience with modern and secure interfaces

Let us help you future-proof your banking services and reach an emerging market segment, all while keeping close contact with your customers

Nowadays, digitalization of services is more important than ever, and nowhere is it more important than banking. However, many banking institutions may need help transitioning from physical to e-banking and mobile banking solutions. This is where Netcetera comes in. 

With over 25 years of experience in providing digitalized banking solutions, we understand your challenges and know exactly how to support you, whether you need to start from scratch, update your existing solution or create something entirely new - we want to create the perfect user journey for your customers.

Our online banking solutions enable your customers to conveniently access banking services anytime, anywhere on easy to use interfaces. Keep your customers closer than ever.

Awards for our excellent solutions

Digital transformation in the banking sector: opportunities and backgrounds

Advances in technology and changing customer expectations are driving major changes in the banking sector. Following successful transformations of other sectors like retail and travel, banking is going digital.

Digital banking offers customers services that were traditionally offered in-branch or by telephone in the customer’s pocket, via website or mobile app. This creates opportunities for banks to offer customers more convenient and personalised services.

Recent banking trends and innovation within some banks and new ‘neobank’ challengers have enabled millions of customers to access digital banking services on their computers and mobile phones. And the demand for digital banking will only grow - nearly 50% of Gen Z prefer to manage their finances exclusively through their mobile phones.

High street branches and telephone banking are no longer the foundations of a successful retail bank. Traditional banks must embrace digital banking to succeed in an increasingly competitive market.

Digital banking at a glance


Digital banking helps customers manage their accounts, make and receive payments, and access financial advice conveniently using a website or mobile app. With digital banking, customers no longer need to visit or call their branch to access these services.

Unlike online banking, which simply delivers traditional banking services via a website, digital banking provides a comprehensive digital experience with enhanced functionality, automation and personalisation across every channel - from mobile and tablet to PC.

The transition from in-person to digital banking has been enabled by several recent technological developments, including:

Mobile apps

Making banking accessible anytime, anywhere

APIs

Allowing banks to easily integrate their services within websites and apps

Two-factor and biometric authentication

Enhancing security

Open Banking

Enabling customers to share their financial data to receive personalised services

Mobile wallets

Storing payment details digitally for online and offline use

Artificial Intelligence

Powering automated AI banking chatbots and tailoring the user experience

Neo-banks and challenger-banks

In the last decade, dozens of ‘neobanks’ have launched digital-first banking services and captured tens of millions of customers through their streamlined mobile banking apps. With no physical branches or call centres to maintain, neobanks have focused investment on developing user-friendly design and personalised digital experiences.

The role of established banks

Digital banking allows traditional banks to offer the same streamlined and personalised in-app experience  offered by neobanks. But not all banks have the budget or experience to invest in developing their own digital solutions.

With Netcetera’s API-enabled modular white-label solution, going digital has never been easier. With easy integration and customisable functionality and design, banks can choose the features they need and get to market quickly and affordably.

We offer a modular and open digital banking platform

Standardized integration to core banking systems and third-party products

Can be tailored to your customers’ individual needs

Extendable with custom-made modules or integration of third-party modules

Can be operated as a SaaS or on-premise solution

Modularity - standalone and modular setup

Native approach - ensuring an intuitive user journey by applying a consistent native UX

Successful co-creation in Digital Banking thanks to Design Thinking

Philipp Zimmermann from Finnova, and Adrian Heydecker from Netcetera, explain how design thinking methods can be used to orchestrate the R&D processes of the various players.

How banks are balancing customer experience with cybersecurity

How banks protect their customers from increasing cyber-attacks without neglecting the digital customer experience. Read the article by Matthias Salmon on finanz-szene.de.

White-label solutions for mobile wallets

Mobile wallets are increasingly important for payments, identity verification, and access to events and transportation. Matthias Salmon explains in the magazine «Karten | cards | cartes» why it is worthwhile for banks to invest in mobile wallets.

Wake up and invest in modern banking apps

Neobanks and AI are opening up new possibilities and customer needs that are as colorful as a bouquet of flowers. Read Tobias Ott's article for finews.ch to find out how banks can remain competitive.

Our partners

DebiX+ app roll-out in only 180 days

Deniz Maden, Head Clients & Journeys, SIX

Viseca one: More than 2.3 Mio user.

Markus Coradi, Head Digital Business & Innovation (ad interim), Viseca

Zak: New essential features and significantly more users.

Patrick Kissel, Head of Zak Digital Banking, Bank Cler

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