The costs for ICT are already low at SLW. How do you assess the benefits?
I see the greatest benefit in the partnership with Finstar and "Hypi" Lenzburg, which are independent and have a certain size. We have a say, we are not a number. Finstar is agile and very innovative. If we have an idea, we feel this openness to tackle the issue together.
How do you explain SLW's regular top rankings in terms of CIR?
Our plus points are our proximity to customers and our cost structure. We only have collection operations and operate from one headquarters. Nevertheless, we are trying to further optimize this area as well.
Is customer proximity reflected in the costs?
Proximity is reflected in the loyalty to our bank. Customers are perhaps less cost-sensitive. Despite all the closeness and loyalty, we can still get better at clarifying needs and selling our services in a more targeted way - after all, we know that it's easier to keep a customer than to win one.
Is Finstar helping to optimize processes?
At the moment, the people behind Finstar are helping us to optimize our own processes. We can also discuss whether everything in the core banking system has to be offered as a complete package, or whether different providers with specific workflows can be used.
Despite standard software, banks tend to map their own processes.
Efficiency and standard belong together. In this respect, the bank must also prove its flexibility and let down its feathers. The fact that something has always been done this way is a bad argument.
SLW in a few years in general and in terms of efficiency in particular?
We will be as cost-efficient as we are today. Our goal is to increase our visibility and awareness in the region. We want to show that SLW is a good, solid institution that offers everything customers need.