SpeciTec SA

What SpeciTec SA does

SpeciTec SA is a privately held Swiss software company founded in Geneva in 2004 that builds modular private banking software layered on top of Tier-1 core banking systems. The company's flagship platform comprises three plug-in modules: SpeciCRED for real-time Lombard credit risk monitoring and collateral management, SpeciVIM for end-to-end client lifecycle management and compliance (KYC, AML, sanctions, MiFID II/LSFin/FATCA reporting), and a white-label Mobile Banking suite for HNW clients and relationship managers. The platform is API-first, designed for on-premise or customer-controlled deployment, and is pre-integrated with the major Swiss and European core banking platforms (Avaloq, Temenos, OLYMPIC, FNZ, Finnova, G2, AZQORE). As of 2026 the company has extended into agentic AI through SpeciTec AI Lab, delivering 15 production-grade co-pilots (7 for credit operations under SpeciCRED and 8 for compliance under SpeciVIM), deployed on-premise via MCP server integration and distributed by the company's embedded Talent consultants.

The business operates three complementary practices: (1) Platform licensing of SpeciCRED/SpeciVIM/Mobile Banking under multi-year subscription contracts, (2) SpeciTec Talent, a recruitment and consulting division that places contract, permanent, and project-based specialists across private banking and now also serves as the distribution channel for AI Lab co-pilots, and (3) SpeciTec AI Lab, a tiered subscription offering (Pilot/Scale/Enterprise) for agentic AI co-pilots. Revenue mechanics combine recurring platform and AI Lab subscriptions with professional services and Talent placement margins. The company serves 150+ private banks and institutions spanning Switzerland, broader Europe, MENA, APAC, and the Americas, with disclosed footprint of 250+ production installations and approximately $1T+ in cumulative client AUM. Disclosed named customers include BNP Paribas, Citi, Union Bancaire Privée, Intesa Sanpaolo, EFG, BCV, BCGE, Banque Saudi Fransi, Bank Audi Private Bank, REYL & Cie, and others.

SpeciTec is founder-led (CEO Franck Oliger, Deputy CEO Alberic Vaillant de Guelis), employs roughly 50+ specialists across offices in Geneva (HQ, ISO 27001-certified), Zurich, Singapore (APAC hub), Dubai (MENA hub), and Miami (Americas), and holds a security and regulatory posture (ISO 27001:2022, GDPR/nFADP, FINMA Circular 2018/3 alignment, MAS TRMG alignment, PCI DSS alignment, SOC 2 Type II in progress, ISO 42001 in progress) that is core to its sales motion in regulated markets. Strategic go-to-market combines direct enterprise field sales, channel/consulting partnerships (notably Alpha FMC, announced May 2026, and Synpulse), and core-banking OEM placements (Temenos Exchange since 2022), supported by an event and awards-led credibility strategy (Global Private Banker WealthTech Awards 2026, WealthBriefing Swiss Awards 2026).

Name

SpeciTec SA

Legal name

SpeciTec SA

Website

https://specitec.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

11–50 employees

Short description

SpeciTec SA is a Swiss software company, founded in 2004 and based in Geneva, that builds modular credit risk, compliance, and mobile banking software for 150+ private banks worldwide, with an integrated agentic AI Lab launched in 2026.

Ownership category

akta.pro rank

Product category

Private Banking Software

NAICS

Credit Intermediation and Related Activities (522)

SIC

Finance Services (6199)

akta.pro primary industry

Wealth Lending & Credit Solutions (Lombard/Margin, Mortgages, Structured Credit) (FSAAABAG)

Keywords

• Private banking software
• Credit risk monitoring
• Client lifecycle management
• Compliance automation
• Lombard lending platform

Headquarters

HQ city

Genève

HQ country

Switzerland

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Platform Licensing: Annual licensing fees for SpeciCRED, SpeciVIM, and Mobile Banking platform modules. Subscription-based model with enterprise contracts typically multi-year. Pricing varies by deployment topology, user count, and regulatory scope.
2. AI Lab Subscriptions: Tiered AI Lab engagement (Pilot, Scale, Enterprise) with annual subscriptions for agentic co-pilot deployment. Pilot tier is 90-day agreement; Scale is annual contract; Enterprise is multi-year framework. Pricing based on number of agents, users, deployment posture and SLA level.
3. Professional Services & Implementation: Consulting and implementation services through SpeciTec's own team and Talent division partners. Includes system integration, data migration, configuration, training, and certification services.
4. Talent Recruitment & Consulting: Contract, permanent and project-based placements. Permanent placement fees, contract staffing margins, and retained search fees for placing specialists in IT, compliance, operations and business roles across the financial industry.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

SpeciTec SA designs, builds and maintains a modular private banking platform that sits as an intelligence layer above core banking systems. The platform comprises three satellite solutions — SpeciCRED for Lombard credit risk monitoring and collateral management, SpeciVIM for end-to-end compliance and client lifecycle management (KYC, AML, regulatory reporting), and a native Mobile Banking suite — complemented by a Talent recruitment and consulting division and the SpeciTec AI Lab delivering agentic AI co-pilots for credit and compliance workflows.

Product overview

SpeciTec SA offers a modular private banking platform comprising three core products — SpeciCRED (credit risk monitoring), SpeciVIM (compliance and client lifecycle management), and Mobile Banking — which together form an intelligence layer above core banking systems. The platform is backed by 20+ years of private banking expertise and integrates with major core banking systems (Avaloq, Temenos, OLYMPIC, FNZ, Finnova). Complementing the platform is the Talent Recruitment & Consulting division providing staffing services, and the SpeciTec AI Lab (established 2026) delivering 15 production-grade agentic AI co-pilots distributed across the SpeciCRED AI Suite (7 agents) and SpeciVIM AI Suite (8 agents) that plug into existing systems via MCP server integration and are deployed on-premise by default.

Differentiator

Problem solved

Functional benefit

Brands

• SpeciCRED: Lombard credit and risk monitoring platform for private banks - real-time collateral monitoring, LTV management, margin call automation
• SpeciVIM
• SpeciHUB
• SpeciTec AI Lab
• Mobile Banking
• SpeciTec Talent

Products and services

• SpeciTec Platform Flagship private banking platform positioned as an intelligence layer above core banking systems, comprising three modular products — SpeciCRED, SpeciVIM, and Mobile Banking — that plug into existing stacks for credit risk, compliance/CLM, and digital servicing.
• SpeciCRED Lombard credit platform for real-time credit risk monitoring, collateral management, LTV tracking, automated margin call management and stress testing, supporting Lombard, mortgage, crypto and illiquid asset loans with API-driven on-premise deployment.
• SpeciVIM End-to-end client lifecycle management platform for compliance, with smart KYC automation, risk-based scoring, real-time AML monitoring, KYT and regulatory reporting covering MiFID II, LSFin, CRS/FATCA, GoAML and SRD II.
• Mobile Banking Native iOS and Android white-label mobile banking app for HNW clients and relationship managers, providing real-time portfolio and transaction views, secure messaging and document sharing, fully integrated with SpeciCRED and SpeciVIM.
• SpeciHUB VPN-free internal portal providing secure access to all internal applications anytime, anywhere through a single unified, on-premise portal designed for public and industry sector deployments.
• SpeciTec AI Lab Innovation hub delivering a curated portfolio of agentic AI co-pilots for wealth and private banks, with 15 production-grade agents across the SpeciCRED AI Suite (7 agents) and SpeciVIM AI Suite (8 agents) deployed on-premise via MCP server integration.
• SpeciTec Talent Recruitment & Consulting Recruitment and consulting division offering contract, permanent and project-based placements of senior specialists in IT, data, compliance, operations and business roles for the financial industry, with engagement models including Permanent Roles, Temporary & Taskforces, Try & Hire, and Part-Time (20–60%).

Quantifiable outcome

• Credit time-to-decision reduced from 9 days to under 48 hours (-78%) for Tier-1 Swiss private bank
• +7 more outcomes

Named customers17 records

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration19 records

AI capability10 records

Feature6 records

Partnerships

13 partnerships are on record, tiered flagship, core, supporting and strategic.

• Alpha FMCflagshipImplementation/ SI/ Consulting Partner · 18 May 2026Strategic partnership with Alpha Financial Markets Consulting to transform private banking operations through cutting-edge technology and proven transformation expertise. Aims to reduce implementation time by up to 40% through standardized frameworks and pre-built integrations. Three-phase delivery model: Technology Foundation, SpeciTec Private Banking Solutions, and Operational Excellence. Focus on credit digitalization, risk management, and regulatory compliance with Basel III/IV and MiFID II alignment.
• TemenoscoreTechnology or IntegrationPart of Temenos Exchange since 2022. SpeciCRED is delivered as a pre-integrated fintech solution purpose-built for private banks running on Temenos core banking system. Streamlines Lombard lending with real-time eligibility checks, pledge allocation, stress testing and exception handling for faster time-to-market and lower implementation costs.
• Dow Jones Risk & CompliancecoreTechnology or IntegrationPartnership since 2018 integrating Dow Jones Risk & Compliance data into SpeciTec solutions for AML, sanctions and anti-bribery compliance. Dow Jones Watchlist XML Feed provides structured data on sanctions, PEPs and adverse media. Access to Factiva enables institutions to identify opportunities, accelerate decisions and manage reputational risk.
• Therefore™supportingTechnology or IntegrationDocument management partner since 2015. Therefore™ is embedded into SpeciVIM to streamline client lifecycle workflows, capturing and organizing digital and paper content including emails, images, videos for KYC, AML and onboarding requirements. Enables document-flow automation, personalized mail handling, and precise hold-mail management.
• PolixissupportingTechnology or IntegrationAdds advanced compliance intelligence through integration of ARDIS, Polixis' AI-powered regulatory data engine, into SpeciTec solutions for proactive risk management and automated due diligence with instant identification of UBOs, sanction risks and reputational exposure.
• UnblusupportingTechnology or IntegrationDigital engagement partner providing secure co-browsing, messaging and video conferencing capabilities integrated into SpeciTec solutions, bridging the digital gap between advisors and clients across web, mobile and in-app while maintaining full compliance.
• MoxosupportingTechnology or IntegrationClient interaction hub partner providing branded portals for onboarding, approvals, document collaboration and ongoing client servicing embedded into SpeciTec platforms with built-in automation, reminders and multi-party coordination tools.
• MicrosoftsupportingTechnology or IntegrationMicrosoft Certified Partner offering all latest Microsoft products and services. SpeciTec team helps determine which products will accelerate client business, then trains staff to successfully implement and use them.
• SynpulsestrategicImplementation/ SI/ Consulting PartnerGlobal management consultancy with deep specialization in private banking and wealth management. Pairs end-to-end advisory from target operating model design to vendor selection and implementation with SpeciTec's modular credit, CLM and mobile banking platform, enabling transformation programs to move from PowerPoint to production with measurable outcomes.
• AvaloqcoreTechnology or IntegrationCore banking system integration. SpeciTec solutions connect with Avaloq for real-time data exchange and rapid deployment in private banking environments.
• OLYMPIC (ERI Bancaire)coreTechnology or IntegrationCore banking system integration. SpeciTec solutions connect with OLYMPIC/ERI Bancaire for seamless integration and real-time data exchange.
• FNZcoreTechnology or IntegrationCore banking and platform integration. SpeciTec solutions connect with FNZ for real-time data exchange supporting wealth management operations.
• FinnovacoreTechnology or IntegrationCore banking system integration. SpeciTec solutions connect with Finnova for seamless integration and rapid deployment in Swiss banking environments.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Temenos: Largest pure-play core banking software vendor serving private and retail banks globally. SpeciTec is both a Temenos Exchange partner (since 2022) and a competitor whose modular SpeciCRED/SpeciVIM stack sits above Temenos cores — comparable in customer base (Tier-1 private banks) but broader in scope.
• Finastra: Large global financial software vendor spanning lending, treasury, and capital markets. Overlaps with SpeciTec in private bank lending and compliance workflows but operates at much broader scale across retail, corporate, and capital markets.
• FIS: Global provider of banking and payments technology. Comparable as an enterprise software incumbent selling into private and wealth management segments, with overlapping credit, compliance, and digital channels offerings — though far broader portfolio.
• Wolters Kluwer Compliance Solutions: Provides regulatory compliance, KYC, and risk solutions to financial institutions including private banks. Comparable regulatory technology and customer lifecycle management capabilities competing with SpeciVIM at Tier-1 private bank clients.

Direct peers

• Avaloq: Swiss-headquartered core banking and wealth management platform deeply embedded in private banks. SpeciTec integrates with Avaloq but also competes for the same private bank IT wallet with credit and compliance modules — strongest direct comparability given shared Swiss-wealth-banking DNA.
• Murex: Enterprise platform for capital markets, risk, and treasury operations. Comparable to SpeciCRED in risk monitoring/collateral management sophistication and to SpeciTec's enterprise SaaS distribution into Tier-1 financial institutions, particularly private banks.
• NICE Actimize: Leader in AML, KYC, and financial crime compliance software for global banks. Direct overlap with SpeciVIM and the SpeciVIM AI Suite, serving the same compliance officer buyer at large private banks with KYC/AML/SAR workflows.
• ERI Bancaire (OLYMPIC Banking System): Swiss core banking system vendor for private banks and wealth managers. SpeciTec integrates with OLYMPIC but competes for similar credit/compliance/mobile budgets at Swiss and European private banks — direct peer in the Swiss private banking software stack.
• Finnova: Swiss core banking and digital banking software vendor serving regional and private banks. Comparable SpeciTec position in the Swiss ecosystem with overlapping digital banking, credit, and compliance modules targeting similar mid-to-large private bank customers.

Emerging players

• Appian: Low-code process automation platform used by banks for KYC, onboarding, and compliance workflows. Comparable to SpeciVIM's CLM automation thesis and increasingly to the SpeciTec AI Lab agentic automation story, particularly at banks standardizing on Appian for compliance.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/SpecitecSA
• Facebookfacebook.com/specitec
• LinkedInlinkedin.com/company/specitec

Compliance10 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about SpeciTec SA