The Aduno Group is the Swiss specialist for cashless payments, personal credits and leasing. Its proven expertise in payment processes and data analysis and its ability to innovate enable it to create added value for customers, partners and shareholders. The Group’s strategy paves the way for profitable growth.

True to its vision of being “the smart way to pay”, the Aduno Group offers its customers in Switzerland secure and easy cashless payments as well as private financing. The Aduno Group provides various products and services along the value chain of cashless payments, all from a single source: whether it be card issuing, personal credit, leasing or the provision of guarantee deposits.

Payment business

At the heart of the Payment division is the issuing business of Viseca Card Services SA. With around 1.5 million cards, Viseca is one of the largest issuers of payment cards (debit, credit and prepaid cards) in Switzerland. A multiplicity of partner banks and companies is testimony to Viseca’s reliability, trustworthiness and expertise. The Payment division also encompasses AdunoKaution AG and SmartCaution SA, operating in the guarantee deposit business, a majority interest in Vibbek AG, which specialises in software development for card payments, a majority stake in Contovista AG, specialising in finance management and analytics, and interests in Accarda AG, which issues customer cards and implements card-based customer loyalty programmes, and SwissWallet AG, which develops digital payment solutions.

Consumer Finance business

The Consumer Finance division comprises the personal credit and leasing business of cashgate AG. Operating through around 1,500 partner branches and just as many partner garages, cashgate offers proximity to the customer. These points of sale, together with the company’s virtual profile, constitute the country’s densest distribution network for personal credit and leasing.

Success factors drive future growth

Based on market trends and its own strengths, the Aduno Group has determined the success factors that will drive its future growth. Through its proven expertise in payment processes and its ability to innovate in mastering technological interfaces, the Aduno Group seeks to be at the forefront of those benefiting from the sharp upward trend in digital payments. In doing so it will make the most of its know-how in data analysis in combination with the interplay of payments, finance management and analytics as well as consumer finance. The intelligent utilisation of data – taking account of stringent data protection requirements – enables it to create added value for customers, banks and other partners. Customers receive more and better services and greater security. Banks and partners can use the data they have available to offer individualised services in the digital and mobile channels.

The strategy for profitable growth

Based on its success factors, the Aduno Group has defined its strategy for profitable growth. The strategy comprises three interrelated stages of development that will not be implemented in chronological order but instead synchronised with one another:

  • Strengthen the core: Strengthen the core business.
    The Aduno Group enjoys a stable foundation with its core business. The card business, the personal credit and leasing business, finance management solutions and analytics as well as deposit guarantees achieve solid organic growth and deliver a steady stream of income. The Aduno Group will further strengthen its core business in a systematic manner, for example by promoting online channels, increasing its distribution collaboration with partner banks and carrying out measures to align processes and guidelines with bank standards.

  • Extend the core: Extend the core business on the basis of the core competencies.
    At the second level, the Aduno Group is launching new products and services to expand its existing Payment and Consumer Finance business. In addition, the market penetration rate will be increased, and new markets and customer groups will be tapped. This will be done by, for example, expanding card penetration among partner banks with Debit Mastercard® and Mastercard® Flex or taking on additional credit portfolios in the Consumer Finance business.

  • Beyond the core: Develop the core business into the future and establish new core competencies.
    At the third level, the Aduno Group will continuously develop new digital services and business models for consumers, banks and partners – based on its core business as well as its core competencies: payment, consumer finance and data analytics. Examples of this are VisecaOne and Viseca Masterpass, which make paying for online purchases more secure, quicker and easier, and the virtual branch network with a chat facility and a digital agreement procedure.

Structure of the Aduno Group