The Client Engagement Suite enables the implementation of hybrid branch strategies and customised advisory approaches. Finnova products play a key role in this. Furthermore, the Finnova ecosystem is an important cornerstone for the integration of value-added chains, ensuring the optimal implementation of bank-specific ideas and requirements.

The Client Engagement Suite is aimed at bank clients, such as private, business or investment clients, as well as external asset managers and bank advisors. The Client Engagement Suite combines the digital channels – such as E-Banking, Mobile Banking and the Advisor Workbench – with the physical touchpoints such as Teller and ATM. This forms the basis for the future end-to-end orchestration of processes, documents and tasks. In addition to functionally consistent topics across the channels and touchpoints, the Client Engagement Suite applications also have a catalogue of non-functional requirements in common, most notably the look and feel, and security.

Open for the integration of third-party providers

The capability to integrate third-party applications simply and seamlessly into the front-end applications of the Core Suite is a key element of our developments in the Client Engagement Suite.

Finnova Banking Software

Strategic Focus
Industrialisation, Standardisation
Data, Analytics & Compliance

Finnova Banking Software

Strategic Focus
Data, Analytics & Compliance
Industrialisation, Standardisation

E-banking & Mobile Banking


With the Finnova E-Banking application, private, business and investment clients – as well as external asset managers – are provided with a modern and high-performance solution. The excellent user experience of the new Finnova E-Banking application is optimised for tablets and desktop devices. Native smartphone apps are also available in iOS and Android for small screens.

In the Finnova E-Banking application, account, balance and posting queries are made, and payments are entered and processed. Thanks to options for analysing expenditure, household budgets or future account transactions, clients have an up-to-date and clear presentation of their financial situation at all times. The digital financial assistant provides a comprehensive overview of all transactions, including credit cards. Expenditure is automatically grouped into categories, and individual, personal household budgets can be created. Financial circumstances are clearly displayed and are based on data as it is also available in the advisor's Portfolio Management System.

Furthermore, stock exchange orders can be entered, executed, queried and processed by means of STP in the E-Banking application. In addition to the order book, current market and stock exchange information is displayed on the dashboard for investment clients. Further modules include E-Bill, Electronic Archive as well as Secure Mail for secure communication with the bank. Whether from the Payment Transactions or Stock Exchange application, Finnova accepts the orders and further processes them in real time. Our numerous partnerships enable a flexible choice of authentication and transaction signature procedures such as text message/mTAN, Crontosign, Smartcard, Swisscom MobileID and Kobil SSMS.

External asset managers (EAM) work with the Finnova Banking Software directly or via the E-Banking application. With the EAM profile, a specific EAM dashboard is available, which provides a clear overview of the most-used functionalities and the most important information. The focus is on efficient searches for clients, accounts, securities holdings and orders, as well as the list orders that are key for EAMs.

All queries and processing jobs in the E-Banking application occur in real time, and all data is directly stored in the central database. This results in advantages in terms of data consistency and low operation costs.

Microsite E-Banking

Microsite E-Banking

Finnova Services Offering: Implementation of E-Banking

The new Finnova E-Banking application provides a unique, integrated view of all relevant information. The offer of Finnova Services for the implementation of the new E-Banking application means a ready-to-use implementation from one source. Whether the E-Banking application with mobile banking with or without the integrated Contovista personal financial assistant, we take care of the project planning, the detailed conceptual work including documentation, the installation support, as well as tests and training, according to the requirements and wishes of the customer.

Mobile Banking

Finnova Mobile Banking enables secure, simple access for completing bank transactions. With the use of native technologies such as iOS and Android, there is a focus on great user-friendliness, a high level of security and optimised performance. The mobile banking app has been designed for all bank clients who wish to access their bank and asset information (account, custody account, portfolio) securely and conveniently.

Complete payment transaction and stock exchange functionalities are available. The app enables the ordering of documents and ensures the direct and confidential connection to a client advisor via Secure Mail. Of course, a convenient document scanner for inpayment slips is available. Additionally, functionalities of the personal financial assistant are integrated for analysing the income and expenditure of mobile banking end users. The Mobile Banking app is available as a native app on Android and iOS.

Finnova Services Offering: Implementation of Contovista’s Personal Finance Management (PFM)

Contovista’s fully-integrated personal financial assistant analyses expenditure and credit card transactions across all accounts and enables an overview of the current household budget in real time. It can also be used to conveniently manage other budgets, for example for paying taxes or achieving savings goals. Stock exchange and market information from third-party providers can be seamlessly integrated. News, market information, virtual portfolios and lists are thereby available to clients. Alongside the implementation of our new latest-generation E-Banking application, Finnova Services offers an integrated solution with Personal Finance Management and Mobile Banking. We guarantee a streamlined integration project with fixed milestones and deadlines – a double digital competitive advantage.

Finnova Services Offering: Implementation of Mobile Banking

Provided that the customer already has our E-Banking application or is considering acquiring it, it is also possible to acquire the Mobile Banking functionality ready to use. We guarantee an integration project from one source at a fixed price and with binding deadlines – simply ‘smarter banking’.

Branch & ATM

Branch (Teller)

The Finnova Teller application enables banks to efficiently serve their clients in the branch. Various client needs are covered here: deposits and disbursements in Swiss francs or foreign currencies, money exchange, precious metals, coins, collection of cheques, coupons and securities, and cash deposit for subscribed medium-term notes. Finnova enables the creation of physical and digital client and bank documents, including barcodes, as well as the fully automatic archiving of documents via document scanning. Via a standard interface, various types of automated teller safes can be controlled. The Teller application also contains auxiliary functions which enable control activities in the operation. In order to guarantee a maximum level of security, the most important business cases are also available in critical situations thanks to the integrated offline operating mode.

New branch models with a focus on client experience are emerging due to changing client needs. Cash transactions can be executed in the branch via a QR code, which can be used at the ATM. A teller safe is no longer required for this purpose. The bank can implement the cashless branch with this solution, without having to accept a fundamental dismantling of services. The solution also offers considerable advantages in crime prevention and protects the front office employees from such negative experiences.

ATM (Automated Teller Machine)

The ATM application enables the operation of ATMs and deposit machines with the Finnova application. Processes carried out at the ATM with banks' own clients take place entirely in the Finnova Banking Software. The application processes services for cards issued by the bank, such as withdrawals, deposits and account transfers. It also supports the withdrawal of foreign currencies and the management of so-called multi-accounts. A multitude of accounts can be assigned to a card and individual authorisations can be defined per account.

In the context of the standardisation of the ATM business by SIX, the module will be revised and updated. As of 2019, all business cases will be settled via SIX and processed in the ATM module. In future, for example, it will also be possible to connect deposit machines to Finnova.

Advisor Workbench

The Finnova Advisor Workbench is the role-based advisor workstation of the Client Engagement Suite for hybrid client advisory in the bank and on the go. The field of application of the Finnova Advisor Workbench is aimed at all front-oriented staff members such as client advisors or teller employees, and is also being extended for call centre employees. It offers an efficient work tool to client-oriented roles in customer support, with a focus on a 360-degree view of clients, as well as client and product opening.

  • Modern look and feel, cross-channel client experience

The advisor workplace stands out with its modern look and feel, inspired by the E-Banking application, and with a consistent cross-channel client experience, which is geared towards use on tablets, touchscreen laptops and desktop computers.

  • Comprehensive range of functions

The basic range comprises advisor dashboard, client search, 360° single client view, pending task management, client onboarding, as well as opening of basic products and contracts for private and corporate clients.

Building on the basic version, we are focusing on the continuous development of advisory processes and communication tools. This can be realised both by means of Finnova applications and via the integration of third-party advisory solutions.

Finnova Loan Advisory

Financing advisory is made easy with Finnova Loan Advisory. This fully-integrated application supports the entire loan advisory process up until completion, while digitalising and automating the necessary steps as far as possible. It consists of two parts: the digitally supported advisory discussion with the tablet application and the desktop application for pre- and post-processing.

Throughout the financing process, Loan Advisory enables the client advisor to perform high-quality and convenient face-to-face loan advisory for home financing with the tablet application. The central focus is on a new and unique advisory experience for both clients and client advisors. In combination with the Loan Advisory desktop application, this function part can be used in a seamless and efficient overall process. The solution is based on new web technologies and can be used on all terminals.

The Loan Advisory desktop solution is available as a solution for the modern, user-friendly loan advisory of each bank. From the advisory to the application, through to the approval of loan transactions of all kinds, first-class visualisations and a comprehensive set of rules support convenient, differentiated and structured client advisory, thereby enabling a prompt loan decision. Aimed at all client types and transaction types, the individual process steps of application, check (quality assurance) and refinement are run through.

The full integration into the Finnova core (Core Suite) is part of Loan Advisory. Through the orchestration with the Advisor Workbench, it will also be possible to call Loan Advisory directly from the advisor workplace in future.


With the Customer Relationship Management (CRM) module, the Finnova Banking Software offers detailed information and structured evaluations. In future, some of these and further functionalities will also be directly available in the Advisor Workbench.

Business Banking

Functionalities specifically for business clients are combined in the Business Banking module. A lot can be expected here in future – in particular with the integration of banking services into the processes of business clients. The Finnova Payment Transactions (ZV) application currently puts banks in a position to offer their demanding business clients competitive payment transactions and cash management. Support for this important client segment is gaining in significance, in particular when competing internationally. This includes the processing of electronically submitted payment files, client cash reporting in line with market requirements, as well as the support of clients with several bank accounts (multi-banking). Business banking functionalities are available in the Finnova E-Banking and Mobile Banking applications and are completed with business connectivity solutions. This comprises the connection of third-party ERP and business software solutions, as well as the support of current formats and standards, e.g. EBICS.