As CTO and managing director of HYPOTEQ, I run the transformation of a classical Swiss mortgage brokerage into a fintech — the full stack, from CRM spine to AI-supported assessment to partner-facing tools.
Mortgage brokerage is the perfect fintech case study: a high-trust, high-value, document-heavy process connecting families, partners and dozens of banks. Digitising it means structuring exactly that — data flows between hundreds of partners, calculators that qualify honestly, dossiers that machines pre-analyse and specialists own.
The regulated environment is a feature, not a bug: compliance forces clean data models, audit trails and security discipline that unregulated startups postpone until it hurts. Building inside those constraints is slower and vastly more durable.
My conviction, written out in From Broker to Fintech: Switzerland's biggest digital opportunity is not new banks — it is rebuilding the spine of the trusted intermediaries that already exist.
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For projects, partnerships, speaking or teaching: one conversation, no pitch. Thirty minutes, and you will know whether we should work together.