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Digital Banking Onboarding: Smartphone showing a completed account opening; transitions to identification and card use marked with warning symbols
Digital Banking
Dominik Weber

Digital Onboarding in Banking

Digital onboarding at many Swiss retail banks is significantly better today than it was just a few years ago—IBAN available immediately, e-banking and mobile banking the next business day, and a card within three days. But simply opening a customer account does not mean the relationship is active. As part of a mystery shopping study, Pragmatica analyzed 15 banks—and reveals where momentum is lost after account opening, which three activation archetypes are evident in the market, and what best-in-class providers do differently.

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Self-service in digital banking with fragmented channels and poor user guidance in Swiss banks
Digital Banking
Dominik Weber

Self-services in digital banking

Many banks underestimate the potential of self-services in digital banking – and are therefore missing out on efficiency, customer satisfaction and revenue opportunities. While customers have long expected seamless, cross-channel solutions, offerings often remain fragmented and difficult to access. Our analysis shows where Swiss retail banks currently stand, what gaps exist and how institutions can catch up with best-in-class providers with a clear strategy, better user experience and consistent end-to-end digitalization.

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