Mobile Banking Upgrade SGKB is actively upgrading its mobile banking platform through Avaloq for about one million clients, signaling a strong appetite for modern, scalable digital channels and integrated core banking. This presents opportunities to offer complementary services such as UX/UI enhancements, API integration, cloud hosting, and ongoing test automation to support the migration and ongoing improvements.

Crypto Expansion SGKB has launched BTC and ETH custody and trading for selected clients via partnerships with AMINA Bank and SEBA, with plans to expand coin coverage. This creates sales opportunities for advanced custody solutions, risk and compliance tooling, on-chain analytics, and crypto-related treasury services for institutional and high-net-worth clients.

Regional Footprint With 38 branches and a robust local sponsorship network, SGKB maintains deep regional client relationships in St. Gallen and Appenzell Ausserrhoden. This positions the bank well for regionally tailored SME banking, cash management, merchant services, and local public-sector digital projects.

Automation & Data SGKB shows maturity in automation and data using UiPath, DBT, SQL, OAuth, Google Maps, and analytics tooling, indicating readiness for advanced process automation, data governance, and regulatory reporting. Opportunities include RPA optimization, data integration platforms, customer analytics, and AML/KYC automation.

Talent Development The bank employs around 100 apprentices and emphasizes modern working conditions and professional development, highlighting a strong focus on talent and retention. This provides entry points for HR technology solutions such as LMS, recruitment and onboarding platforms, performance management, and employee experience tools for large regional employers.