A mortgage brokerage is a trust business with a paper past. At HYPOTEQ, as CTO and managing director, my mandate is to keep the trust and replace the paper — transforming a classical Swiss intermediary into a fintech.
The thesis
Swiss mortgages are a relationship product wrapped in a data problem: income, property, valuation, bank criteria. Everything between the first conversation and the signed offer can be structured, accelerated and partially automated — without removing the human moment where a family decides on the largest debt of their life.What we build
A digital spine end to end: Salesforce as the central nervous system for hundreds of partners and thousands of cases; calculators and lead funnels that qualify seriously instead of collecting emails; AI-supported assessment that reads a dossier and drafts the analysis a specialist then owns; an academy that trains partners digitally. Piece by piece, the process becomes software — the advice stays human.What legacy industries teach
Fintech transformation fails when it starts from the technology. It works when it starts from the trust: what makes a partner send you the next client, what makes a bank accept your dossier first. Digitise those reasons and you win. Digitise around them and you are a well-designed irrelevance.Classical industries are not slow because their people are — they are slow because nobody rebuilt their spine. That rebuild is the actual fintech opportunity in Switzerland.