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Foreword

Cornerstones of success

Innovation and dynamics in Payment

business

fair

Digital change on a secure basis

easy

Fair and individual: Consumer Finance

Certain profits

safe

Driven by enthusiastic employees

Aduno Group

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As you hold this brochure in your hands

today, weeks or even months may

already have passed since it was print-

ed. In the meantime, things will have

changed. For the Aduno Group, every

day brings new challenges. Innovative

technologies and products are shoot-

ing up. Social developments and regu-

latory provisions create new conditions.

Change is becoming a reliable constant.

The quicker the world turns, the more

orientation becomes important. Fair-

ness, customer benefit and security

form the compass that guides us on our

exciting journey into the digital future.

We would be delighted if you were to

accompany us.

fair, easy, safe

Aduno Group

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The Aduno Group offers products and services for cashless payment from a single source. Together with the personal credit, leasing and guarantee deposit business, the Aduno Group boasts a diverse range of activities in a growing market.

The success of the Aduno Group is based on a business model, a solid share-holder base, the innovative capacity of about 750 employees and a commit-ment to society.

A secure shareholder base

Since it was founded in 1999, the Aduno Group has been

wholly owned by the cantonal banks, the Raiffeisen Group,

Migros Bank, Bank Cler and various regional banks. And

that is not about to change as the current shareholders’

agreement guarantees security and continuity.

One of the Aduno Group’s aims is to generate a high level

of sustainable profitability, thereby ensuring entrepreneuri-

al freedom. Thanks to the stakeholders’ long-term strategy,

the Aduno Group boasts a solid equity ratio.

Customers place great trust in the Aduno Group. Over a

number of decades, the social and economic responsibility

of the shareholders has created values that are crucial to

the Aduno Group. Furthermore, the customer proximity of

the shareholder banks can be clearly seen in Switzerland’s

densest network of branches covering both urban and

rural areas.

Cornerstones of success

Aduno Group

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The Payment business includes Issuing with Viseca Card Services SA, one of Switzerland’s largest issuers of payment cards (credit, debit, prepaid) from Mas-tercard® and Visa with around 1.5 million cards.

Simply digital: VisecaOne

Every year, more and more customers place their trust in Viseca. They rely on a fair and secure partner offering them all the advantages of cashless payment thanks to cutting-edge technology. Moreover, they appreciate the extensive range of services which they can use around the world.

VisecaOne is a free service that makes online shop-

ping and payment even more secure and convenient

while summarising all the information relating to a card.

Following the one-off registration during which all cards

registered to the same name are automatically linked to the

VisecaOne account, 3-D Secure card payments in online

shops can be controlled and authorised via the VisecaOne

app. Cardholders no longer need to memorise a password

and simply confirm or reject an incoming message in the

VisecaOne app with a single click. Another advantage of

VisecaOne is that transactions, the rewards programme

and account settings can be managed in a single location.

Mobile payment with a flick of the wrist

The trend of shifting to mobile terminals is becoming visi-

bly stronger in the online trading sector. Viseca offers con-

tactless payments with smartwatches, which are equipped

with payment functions, which allow Viseca private card-

holders to pay contactless not only in Switzerland but all

around the world. The mobile payment solutions offer fit-

ness enthusiasts the ability to make their purchases with

a flick of the wrist, without needing a wallet or a smart-

phone, wherever contactless payment is possible by Near

Innovation and dynamics in Payment business

Field Communication (NFC). Customers only need a pay-

ment card from Viseca and VisecaOne.

Simple, exciting and versatile: surprize

Thanks to the rewards programme surprize, there are good

reasons to pay for every purchase with a card. For every

purchase, valuable surprize points are credited to the card-

holders’ points accounts. By offering rewards vouchers,

business partners can develop new customer potential as

the surprize platform is the focal point for cardholders with

the points account and rewards shop.

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fair1Fairness means behaving with respect and adopting a fair and honest attitude towards customers, partners and employees alike. Only through fairness can we all be winners.

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We value employees’ soft skills as much as their professional qualifications. Openness, creativity, curiosity and enthusiasm are the cornerstones of our common success.

Every transaction leaves a trace. We protect our customers by adopting a responsible and diligent approach.

At cashgate, we reduce risks to the strict minimum. We implement early measures to overcome payment difficulties and lend a hand for payment deferrals.

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Digital change on a secure basis

The Aduno Group, as a technological leader, develops innovative and sus-tainable solutions in the field of cashless payment. In doing so, it calls on a digitised best-in-class service. This is based on Mastercard® and Visa, is compatible with the partner banks and, more particularly, is very customer-friendly and secure.

For more than 15 years, the Aduno Group has succeed-

ed in promoting cashless payment by means of pioneering

products and services. It quickly understood that digital

payment is not a revolution but a logical continuation of

the original credit card business using digital technologies.

Smart digital payment solution for Switzerland: SwissWallet

The Aduno Group, Netcetera and Swisscard have found-

ed the joint venture SwissWallet AG to develop and op-

erate digital payment solutions. SwissWallet provides the

technology for the innovative Swiss payment standard for

e-commerce and m-commerce. Combined with Master-

pass, the digital payment solution from Mastercard, this

service can be used for online shopping purposes on all

tablets and smartphones.

At the checkout, only a few clicks or taps of the finger are

required as all the information needed to make the pur-

chase is securely stored. All card information is always up

to date and does not need to be entered when shopping.

The transaction process is significantly accelerated and the

discontinuation rate minimised.

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Using data to the benefit of everyone

The Aduno Group is ideally positioned for the digital fu-

ture: it aims to provide more than two million customers in

Switzerland with a simple and secure cashless payment

solution as well as private financing in the event of guar-

anteed liquidity. The Aduno Group is an issuer while also

providing personal credit, leasing and rental deposit guar-

antees. The data obtained throughout the broad-based

value-added chain is systematically analysed and pro-

cessed. It forms the basis for information services which

are constantly being extended. With data analytics, which

forms a link between all business units, the Aduno Group

becomes increasingly familiar with the needs of both end

customers and partners on a daily basis.

The services of data analytics extend into Personal Finance

Management (PFM), which is made possible by the Aduno

Group’s stake in Contovista AG, a fintech company. With

its data analytics, Contovista offers solutions that can be

fully integrated into existing e-banking services and related

mobile systems. Integration of these solutions brings deci-

sive improvement to functionality for end customers and

ensures a smooth customer experience.

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easy2Wherever customers are, whatever they buy and wherever they want to go, we make their money available quickly and simply.

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Even in times of rapid change, we maintain a global view to the benefit of our customers.

We do not develop our products and services with the aim of being the first, but of being the best.

The services relating to our core business are based on an intelligent linking of data.

VisecaOne is probably the simplest and most secure online payment solution anywhere.

With VisecaOne and Viseca Masterpass, our customers save valuable time when shopping online and do not have to suffer the frustration of abandoned transactions.

Every Viseca credit card includes a generous insurance package that accompanies customers around the world.

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Fair and individual: Consumer Finance

cashgate boasts an innovative and attractive pricing model with clear and transparent criteria. Thanks to the densest distribution network with seven of its own branches, 1,600 in-bank points of sale for personal loans and over 1,600 partner garages for car leasing, the specialist for fair finance offers greater proximity to the customer than any other providers. cashgate is exclusive partner to renowned Swiss banks and is the first port of call for customer-focused finance. The Customer Finance division also includes the provision of rental deposit guarantees.

There are a variety of reasons why customers decide to

obtain personal credit from cashgate. First among them is

their confidence that cashgate is discreet and safeguards

the interests of its customers – for a carefree future. And

cashgate is, of course, always there to advise its custom-

ers, from the initial contact through to the final payment,

including in the event of payment difficulties arising.

The lending criteria applied by cashgate are even more

stringent than those required by law. That is because

cashgate is dedicated to responsible lending. A pricing

model with fixed interest rates takes account of customers’

individual risk profiles and is communicated transparently.

This means that, even before applying, customers know

the specific cost to them and can plan accordingly. Cus-

tomers can submit their application from beginning to end

online through the cashgate website. This is made possible

by video identification and submission of a personal digital

signature – a successful demonstration of cashgate’s inno-

vative, customer-focused approach in the Swiss market.

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Certain profits

Security is a precious and expensive asset. It requires continuous invest-ments in personnel resources and new technologies. At the Aduno Group, great importance is accorded to fraud prevention. The Aduno Group makes every effort to limit the risks to a strict minimum for credit card transactions using cards or smartphones and for on-line activities of any kind. These efforts have been instrumental in helping to reduce the number of claims substan-tially in recent years and to keep them at a low level.

Digital search for clues

To safeguard the security of credit card transactions, the

Aduno Group uses modern and intelligent systems that

can recognise fraud attempts in real time or prevent them

from occurring in the first place. Among other things, com-

prehensive analyses of real patterns of fraud make these

systems possible. In every transaction, sophisticated soft-

ware examines the probability of abuse based on current

risk profiles. The system sets off an alarm as soon as ab-

normalities are detected in the handling of a transaction.

The experts from the fraud department analyse critical

situations with the assistance of software-based security

systems. The interplay of experience and technology re-

sults in a quick decision as to whether a transaction should

be allowed or blocked. The service is provided as quietly

and discreetly as possible in the background and the card-

holder is only contacted directly in the case of doubt.

Minimising risks

Risk management plays a very important role in the credit

environment. Credit, leasing and card applications are sys-

tematically subjected to a creditworthiness check. To ob-

tain adequate risk assessments, methods are implemented

which make it possible to predict future events with a high

degree of reliability. Predictive modelling techniques based

on application and behavioural data are combined with in-

formation from economic credit agencies and the Central

Office for Credit Information (ZEK) to develop meaningful

risk profiles and robust credit default predictions. In the

end, they decide about card applications and spending lim-

its as well as about granting credit to private individuals or

leasing financing.

At cashgate, these checks are stricter than those prescribed

by law. This protects borrowers from over-indebtedness. In

addition, only persons over the age of 20 can receive a loan

from cashgate. The maximum credit amounts are limited

according to age. The cautious risk policy has allowed the

loss rate to be steadily reduced over the years.

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safe3Security is the reassuring feeling of never being alone, wherever you are.

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To ensure the security of our customers and partners, we constantly invest in human resources and new technologies.

The defensive measures of our fraud services are in action 24 hours a day.

By calling on algorithms that are constantly being refined, we detect irregularities in card usage in real time.

If, despite all these security measures, an act of fraud should occur, customers of the Aduno Group bear no financial risk if they comply with all due diligence obligations.

An elaborate risk management process ensures our customers enjoy tailor-made solutions.

Our fraud prevention efforts have been instrumental in helping to reduce the number of claims substantially in recent years and to keep them at a low level.

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Driven by enthusiastic employees

The success of the Aduno Group is founded on a corporate culture in which employees are seen as the key to success and growth. It values employees with all their skills and capabilities, and helps them devel-op their potential in a relaxed work environment. The Aduno Group aims to be one of the leading names in Switzerland for its current and poten-tial employees. It provides an exciting environment with innovative prod-ucts, cross-unit processes, training and continuing education opportunities, attractive salary models and consider- able scope for personal initiative.

Generation management

The feedback speaks for itself: the Aduno Group has no

generational problems. Older employees feel just as com-

fortable in the company as their younger colleagues. The

blend of long-standing experience and youthful zest for

action can be fruitful if those concerned value one anoth-

er. It is therefore not by chance that new employees were

recruited again last year who will make their retirement in

less than ten years’ time.

In the management cockpit

The Aduno Group attaches great value to good employee

management. Management staff are not only responsible

for achieving objectives but also for ensuring the well-

being of the team. They accompany and support team

members in their work – both professionally and emo-

tionally, through stress and conflict situations. Supportive

management behaviour requires considerable time and

diligence. The Aduno Group supports this challenging task

with what is referred to as the management cockpit. With

a wide range of functions, the digital tool not only simpli-

fies complex management tasks, it also ensures that em-

ployees enjoy the esteem they deserve.

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En route to the digital world of work

When recruiting new employees, the Aduno Group calls

on social networks. Digitisation also means that work can

be carried out from numerous sites and at flexible times. As

a result, the boundaries between professional and private

life are becoming increasingly blurred. The Aduno Group

is therefore already developing digital work models for

tomorrow and beyond. The emphasis is no longer on pro-

cesses or individual employees, but on the work environ-

ment in which the employees can develop as a network.

Aduno Group, Hagenholzstrasse 56, P.O. Box 7007, 8050 Zurich, telephone +41 58 958 60 00, www.aduno-gruppe.ch, info@aduno-gruppe.ch

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