𝐎𝐩𝐞𝐧𝐢𝐧𝐠 𝐚 𝐒𝐰𝐢𝐬𝐬 𝐁𝐚𝐧𝐤 𝐀𝐜𝐜𝐨𝐮𝐧𝐭 𝐈𝐬 𝐄𝐚𝐬𝐲… 𝐈𝐟 𝐘𝐨𝐮’𝐫𝐞 𝐀𝐥𝐫𝐞𝐚𝐝𝐲 𝐒𝐰𝐢𝐬𝐬.

Here is what newcomers tell us:

“𝐁𝐚𝐧𝐤 𝐀 𝐫𝐞𝐣𝐞𝐜𝐭𝐞𝐝 𝐦𝐲 𝐝𝐨𝐜𝐮𝐦𝐞𝐧𝐭𝐬.”

“𝐁𝐚𝐧𝐤 𝐁 𝐚𝐜𝐜𝐞𝐩𝐭𝐞𝐝 𝐭𝐡𝐞𝐦.”

“𝐁𝐚𝐧𝐤 𝐂 𝐚𝐬𝐤𝐞𝐝 𝐟𝐨𝐫 𝐬𝐨𝐦𝐞𝐭𝐡𝐢𝐧𝐠 𝐈’𝐯𝐞 𝐧𝐞𝐯𝐞𝐫 𝐡𝐞𝐚𝐫𝐝 𝐨𝐟.”

Three banks.

Three versions of onboarding.

𝐓𝐡𝐫𝐞𝐞 𝐢𝐧𝐭𝐞𝐫𝐩𝐫𝐞𝐭𝐚𝐭𝐢𝐨𝐧𝐬 𝐨𝐟 𝐫𝐢𝐬𝐤.

Is this incompetence?

No. The opposite.

Swiss compliance teams are world-class.

But the system is designed for people whose identity and footprint already exist inside Switzerland.

If you’re German, they trust you more than they admit.

If you’re American, they trust you less than they admit.

If you’re from outside Europe, prepare for extra scrutiny.

𝐍𝐨𝐛𝐨𝐝𝐲 𝐬𝐚𝐲𝐬 𝐭𝐡𝐢𝐬 𝐨𝐮𝐭 𝐥𝐨𝐮𝐝 𝐛𝐞𝐜𝐚𝐮𝐬𝐞 𝐢𝐭 𝐬𝐨𝐮𝐧𝐝𝐬 𝐩𝐨𝐥𝐢𝐭𝐢𝐜𝐚𝐥.

It’s not. It’s risk calculation.

Banks optimise for 𝘴𝘢𝘧𝘦𝘵𝘺.

Expats optimise for 𝘴𝘶𝘳𝘷𝘪𝘷𝘢𝘭.

These two priorities collide in the onboarding room.

We’re mapping these contradictions.

We’re curious to hear, how long does onboarding take in your institution?