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Some cantonal and regional banks smiled at Credit Suisse’s announcement in the summer of 2019: “Often advertised, nothing comes.” The CSX online account launched today.
A first and well done sand is made. A real Internet account for customers with purely online needs with the rating: “Digital Banking”.
CSX’s modular approach is smart at Credit Suisse. As announced, more digital products will be integrated into the application, such as CSX Pension, CSX Finance, CSX Asset Management.
Customers of the CSX application will continue to have access to all channels of interaction: digitally, by phone and in person at the office.
The new CSX digital account competes with the bank’s expensive Bonviva product. Credit Suisse tries to push its clients over the free upper balance limit of 100,000 francs.
This can be easily avoided – the house-bank model has had its day. Distribute the funds among different commercial banks.
I don’t see the CSX product as a competitor for Neon, Yapeal and Viac. Why?
Pure digital banks offer (third-party) solutions, while Credit Suisse tries to sell profitable in-house products.
Regional and cantonal banks have to dress well: their digitization offensive, which has been emphasized time and again, has not materialized. Too often, banks think colorful apps and the switch to PDF shipping are enough.
Zürich’s Paradeplatz vest pocket banking app – a nice move from Credit Suisse.
This article first appeared on Digitalmedia.ch.
