A mobile bank built for clients who never visit a branch.
We designed and built Alpine Bank’s new mobile app — from digital onboarding to signing contracts on the phone.
12 min
to open an account, down from 5 days
85 %
of new clients onboard fully digitally
4.7 ★
average rating in App Store and Google Play
0
critical findings in the regulator’s audit
Where the bank started.
Opening an account meant a branch visit, paper forms and a week of back-office work.
Paper-based onboarding
Every new client needed three forms and a branch appointment.
Disconnected systems
The old app couldn’t talk to core banking, so data was retyped by hand.
Rising expectations
Younger clients were choosing digital-first competitors.
Solution
Onboarding in one sitting.
Clients verify their identity, sign the contract and open an account in a single flow — without leaving the app.
- Video identification and ID scan
- Qualified electronic signature
- Account ready the same day
Integration
One app, connected to the core.
The app talks directly to the bank’s core banking and SAP finance systems through a secure API layer on Azure.
- Real-time balances and payments
- Shared API layer for future channels
- No manual re-entry in the back office
Security & compliance
Ready for the regulator from day one.
Security and compliance were part of every sprint, not a final check.
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FINMA-aligned architecture
Designed around Swiss banking supervision requirements.
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Strong customer authentication
Biometric login and device binding for every client.
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Encryption end to end
Data is encrypted on the device, in transit and at rest.
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Full audit trail
Every action is logged for internal and external audits.
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Penetration tested
Independent tests before launch and after every major release.
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Hosted in Switzerland
All client data stays in Swiss data centres.
We went from paper forms to opening accounts in twelve minutes — without a single compromise on compliance.
Chief Digital Officer, Alpine Bank John Hills
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Screens
Inside the app.
Project
