Switzerland: Technology

The payment system stands at the center of financial system transformation, serving as trust infrastructure that must function correctly and securely at all times. This multi-layered organization distinguishes between infrastructure, payment system operators, and application levels, where innovation primarily occurs. With digitalization, the trust dimension gains further significance as cybersecurity becomes an integral part of the product rather than a cost factor.

Businesses frequently want to test new technology before committing to a full commercial contract. A supplier may offer a proof-of-concept (PoC) or pilot project to demonstrate how its software or platform works in practice.

Last year, Switzerland introduced new regulations governing automated driving in several respects. On March 1, 2025, Title IIa: "Vehicles with an automation system" (Art. 25a – 25h) was added to the Road Traffic Act (RTA).

Anne Laure Bandle's column "Droit dans l'Art" explores the evolving legal landscape of the art world, from Switzerland's tightened cultural property regulations to the challenges posed by AI-generated artworks.

Switzerland’s sector-specific, technology-neutral approach to AI – from FINMA Guidance 08/2024 to the Council of Europe AI Convention – mapped against the operational reality of Swiss FinTech.

The payment system stands at the center of financial system transformation, serving as trust infrastructure that must function correctly and securely at all times. This multi-layered organization distinguishes between infrastructure, payment system operators, and application levels, where innovation primarily occurs. With digitalization, the trust dimension gains further significance as cybersecurity becomes an integral part of the product rather than a cost factor.

Switzerland’s sector-specific, technology-neutral approach to AI – from FINMA Guidance 08/2024 to the Council of Europe AI Convention – mapped against the operational reality of Swiss FinTech.

The payment system stands at the center of financial system transformation, serving as trust infrastructure that must function correctly and securely at all times. This multi-layered organization distinguishes between infrastructure, payment system operators, and application levels, where innovation primarily occurs. With digitalization, the trust dimension gains further significance as cybersecurity becomes an integral part of the product rather than a cost factor.

The payments industry faces a critical infrastructure decision as providers navigate between legacy data centres and cloud-based solutions. With operational complexity intensifying and client expectations evolving, determining the right path forward requires careful evaluation of cost profiles, resilience capabilities, innovation potential, and sector-specific demands.