ti&m
ti&m AG is a Swiss digital transformation company providing consulting, proprietary banking software (ti&m Banking Suite), and AI agents to enterprise clients in banking, insurance, and public sector across Switzerland, Germany, and Singapore, with 550+ employees and 25+ years of Swiss financial services expertise.
- Company typePrivate
- Founded2005
- HeadquartersZürich, Switzerland
- Headcount251–500
- GTM typeB2B
- OfferingSoftware
What ti&m does
ti&m AG is a privately held Swiss digital transformation company founded in 2005, headquartered in Zurich with offices in Bern, Basel, Frankfurt am Main, Dusseldorf, and Singapore, employing 550+ engineers, designers, and consultants. The company operates three interlocking business lines: digital transformation consulting and implementation services, a proprietary software product portfolio centered on the modular ti&m Banking Suite (covering mobile, web, trading, and open banking for retail, corporate, and private banking), and AI-powered products including the AI Agents Hub, GenAI Foundation, and Open Datastack business intelligence platform. Vertical go-to-market spans banking and finance as the primary segment, with secondary presence in insurance, public sector (federal, cantonal, municipal government), transport and logistics, life sciences and manufacturing, and retail. Notable customers include Bank CIC, VP Bank, VZ Depotbank, Baloise Bank, Helsana, Swisscom, the Swiss Federal Office of Energy, the City of Zurich, and the Swiss Federal Tax Administration.
The company monetizes through professional services and project-based consulting engagements, one-time software licenses for ti&m Banking and AI products, and managed services including the ti&m Swiss Banking Cloud and ti&m Swiss eGov Cloud for regulated workloads. Technology architecture is built on open source foundations (Keycloak, Magnolia, Liferay, Google Anthos, Red Hat) with proprietary layers for banking workflows and AI agents, supported by e-IDAS and ETSI certifications and OpenID Connect-based authentication. The company maintains Platinum Partner status with Magnolia and Liferay, participates in the SIX bLink open banking community and IDunion SSI consortium, and has strategic alliances with Red Hat (AI and digital sovereignty), Swisscom (e-signature and workplace), and Google (Anthos container management for the City of Zurich).
Business operations are anchored by direct enterprise field sales with relationship-based selling in Switzerland, Germany, and Singapore. The company has no disclosed external investors, no parent company, and no funding rounds; it has grown organically over 20 years. Recognition includes Forrester Digital Banking Engagement Platform Landscape (2023 and 2025), Top 10 in Bilanz Innovation Ranking 2025, 3rd place in Handelszeitung Best Employers 2025 (IT sector), and Best of Swiss Web / Best of Swiss Apps 2020 for the Bank CIC eLounge project. The leadership structure was realigned in 2025 toward AI-powered innovation, with advisory board additions spanning e-government, customer experience, and executive talent from partner firms.
ti&m firmographics
Firmographics- Name
- ti&m
- Legal name
- ti&m AG
- Website
- https://ti8m.com
- Company type
- Private
- Founded year
- 2005
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- ti&m AG is a Swiss digital transformation company providing consulting, proprietary banking software (ti&m Banking Suite), and AI agents to enterprise clients in banking, insurance, and public sector across Switzerland, Germany, and Singapore, with 550+ employees and 25+ years of Swiss financial services expertise.
- Ownership category
- akta.pro rank
ti&m industry classification
Industry- Product category
- Digital Banking Software
- NAICS
- Software Publishers (5132), Other Computer Related Services (541519), Computer Systems Design Services (541512)
- SIC
- Services-Computer Programming Services (7371)
- akta.pro primary industry
- Data, Analytics & AI Consulting (BPAHAEAF)
- akta.pro secondary industries
- SME Banking Suite (Business Accounts, Invoicing, Payroll Integrations) (FSAGAAAI), Bank Connectivity & Channels (Host-to-host, SWIFT, APIs, EB portals) (FSABAIAF)
Keywords
Where ti&m is headquartered
LocationHeadquarters
- HQ city
- Zürich
- HQ country
- Switzerland
- HQ region
- Europe
Offices6 records
Markets served
ti&m business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Infrastructure, Marketing or Sales, Operations
Revenue model
- Professional Services & Consulting: Digital transformation consulting, implementation services, and project-based engagements for enterprise clients in banking, insurance, public sector, and industrial sectors
- Software Products & Licenses: Sale of ti&m Banking Suite, AI Agents, security products, and other software platforms to financial institutions and enterprises
- Managed Services & Cloud Hosting: Cloud services including ti&m Swiss Banking Cloud and Swiss eGov Cloud, and ongoing managed services for deployed solutions
Go-to-market motion2 records
Distribution channels3 records
Marketing channels8 records
ti&m product offering
Product offeringCore offering
ti&m develops and sells modular digital banking software (ti&m Banking Suite) and AI-powered products for financial institutions, insurers, and public sector organizations, complemented by professional consulting, implementation, and managed cloud services. The company combines proprietary platforms (Banking Suite, AI Agents Hub, Open Datastack, Swiss Banking Cloud, Swiss eGov Cloud) with end-to-end digital transformation services across Switzerland, Germany, and Singapore.
Product overview
ti&m offers a modular financial technology platform (ti&m Banking) plus AI-powered products and services. The core product is ti&m Banking — a modular digital banking platform for mobile, web, and back-office banking with open architecture supporting retail, corporate, and private banking. Key modules include: AI Agents Hub (with Meeting Agent for Swiss German transcription, Claim Management Agent for insurance, and specialized agents for banking/insurance/public sector), AI Banking Assistant for conversational support, Open Datastack for collaborative business intelligence on open source, ti&m Trading for trading platforms, ti&m Open Banking for SIX bLink integration, Data Fusion for core banking integration, and advisory-suite for wealth management. Additional products cover online identification, hybrid workplace (ti&m places with AI Booking Assistant), co-browsing, and cloud infrastructure (Swiss Banking Cloud, Swiss eGov Cloud). The AI portfolio includes YourGPT chatbots, GenAI Foundation, intelligent dossier analysis, and MLOps/LLMOps services. The company also offers consulting services and operates the ti&m Garage for rapid prototyping.
Differentiator
Problem solved
Functional benefit
Products and services
- ti&m Banking Suite Modular digital banking platform for mobile and web banking serving retail, corporate, and private banking with open architecture and core banking system integrations.
- AI Agents Hub Suite of AI agents tailored to industries including banking, insurance, and public sector, featuring Meeting Agent, Claim Management Agent, and AI assistants.
- Meeting Agent AI meeting assistant that transcribes Swiss German meetings, provides preparation features, generates summaries, and creates to-dos after customer interactions.
- Claim Management Agent AI agent specialized for insurance claims processing, automating claim handling workflows for insurance companies.
- AI Banking Assistant Conversational AI assistant embedded in ti&m Banking providing text and voice-based customer support, personalized responses, and seamless interactions in mobile app and web portal.
- Open Datastack Modular data platform based on open source components deployed in cloud or on-premises, focused on interactive collaboration around data, dashboards, and workflows for business intelligence.
- Online Identification Digital customer identification solution enabling online onboarding with identity verification, used by Swisscom Sign and other partners for electronic signature workflows.
- ti&m places (Hybrid Workplace) Hybrid workplace solution including desk booking software with AI-powered workplace optimization and AI Booking Assistant for intelligent space management.
- ti&m Trading Suite Proprietary trading platform with real-time market data providing a professional trader experience for digital banking customers.
- ti&m Open Banking Open banking integration solution connecting ti&m Banking to external financial ecosystems including SIX bLink open banking community for multi-banking capabilities.
- Data Fusion (Fusion Banking Integration) Banking integration solution that makes core banking data accessible through flexible integration, connecting ti&m Banking with various core banking systems.
- ti&m co-browsing Customer engagement tool enabling real-time collaborative browsing sessions between customers and bank advisors for guided digital experiences.
- advisory-suite Holistic advisory solution for retail banks combining digital and human advisory capabilities for wealth management and investment services.
- ti&m Swiss Banking Cloud Dedicated cloud infrastructure for Swiss banking institutions, providing secure and compliant hosting for banking applications.
- ti&m Swiss eGov Cloud Cloud infrastructure for Swiss public sector and e-government applications, enabling digital government services.
- YourGPT AI assistant platform providing chatbots tailored to specific business needs, part of AI and ML engineering services.
- GenAI Foundation Generative AI platform enabling organizations to build and deploy GenAI applications for business use cases.
- ti&m Security Suite User-friendly authentication combined with risk-based authentication approach, using hardware-based security mechanisms in Trusted Platform Module for secure mobile authentication.
Quantifiable outcome
- CIC eLounge implemented in 10 months - new innovative mobile and e-banking platform for Bank CIC
- +3 more outcomes
Companies that use ti&m
Customer profileNamed customers15 records
Segments6 records
Ideal customer profiles4 records
ti&m technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
AI capability9 records
Feature10 records
ti&m partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core and minor.
- Red HatcorePartnership with Red Hat to offer enterprise open source solutions for AI applications. Red Hat survey reveals 77% of Swiss companies prioritize digital sovereignty in AI use. ti&m and Red Hat collaborate to provide suitable solutions for organizations seeking AI with digital sovereignty.
- Forrester Researchcoreti&m recognized in Forrester Digital Banking Engagement Platform Landscape Reports (2023 and 2025). Forrester case study documents how ti&m helped VP Bank accelerate innovation through ti&m Banking Adapter integration.
- MagnoliacoreStrategic partnership with Magnolia as Platinum Partner. ti&m provides digital experience platform implementations using Magnolia CMS, including SEO optimization and web accessibility services.
- LiferaycorePlatinum Partner with Liferay for digital experience platform implementations and enterprise portal solutions.
- SwisscomcoreSwisscom Sign - electronic signature solution for everyone uses ti&m's online identification software. Also Swisscom Places collaboration for hybrid workplace solutions.
- SIX Group (bLink)coreti&m Banking joined the bLink open banking community, enabling integration with Switzerland's leading open finance platform. CIC eLounge joined bLink open banking community.
- GooglecoreFirst Google Anthos project in Switzerland: ti&m built a new container management platform for the City of Zurich (OIZ).
- Main Incubator GmbH (Lissi)minorCollaboration with Main Incubator GmbH in the area of Self-Sovereign Identity (SSI). Partner for Lissi wallet and ecosystem development.
- IDunionminorIDunion consortium member - technical network bringing public and private partners together to research and work on security-relevant, legal, and organizational topics for SSI. Partners include Commerzbank, Bosch, Bundesdruckerei, Swisscom Trust Services.
- Lucerne University of Applied Sciences and Arts (HSLU)coreCo-developed AI Maturity Study 2026 with over 200 companies participating. First edition of new annual study examining AI adoption in Swiss organizations.
- Swiss Data AllianceminorChristian Laux, Vice President of Swiss Data Alliance, contributes to ti&m Special 'AI & Open Source' discussing digital sovereignty concepts and Switzerland's ability to act.
Scale indicators7 records
Recent moves8 records
Expansion highlights6 records
ti&m competitors and assessment
Company assessmentDirect peers
- Adnovum: Adnovum is a Swiss IT consulting and software firm specializing in banking, insurance, and public-sector digital solutions, with proprietary identity/security products (e.g., Nevis). It is a direct peer along both the consulting and proprietary banking/security product dimensions.
- Mambu: Mambu is a SaaS core banking and lending platform serving neobanks and incumbent banks across Europe. It overlaps with ti&m on cloud-native digital banking architecture and open banking integrations, particularly for new digital entrants and bank modernization projects.
- GFT Technologies: GFT Technologies is a Germany-based IT company focused on digital transformation for the financial services industry with proprietary banking platform components. It directly mirrors ti&m's DACH banking-platform-plus-services model and is a relevant peer in Germany.
- Temenos: Temenos is a Swiss-headquartered global provider of core and digital banking software for retail, corporate, and private banks. It directly competes with ti&m in the digital banking engagement layer and adjacent core banking integration space, and is among the ~37 other vendors Forrester lists alongside ti&m.
- Ergon Informatik: Ergon Informatik is a Zurich-based Swiss IT services firm combining custom software engineering with product platforms (e.g., Airlock security). It competes with ti&m for Swiss enterprise, banking, and public-sector digital transformation mandates.
- Backbase: Backbase is a Netherlands-based digital banking platform vendor focused on engagement banking for retail, SME, and private banks. It directly competes with ti&m Banking Suite in the digital channel layer and is recognized alongside ti&m in Forrester's digital banking landscape reports.
- Finastra: Finastra is a global financial software provider offering digital banking, lending, and core systems to banks worldwide. It competes with ti&m's digital banking and open banking offerings and is one of the vendors named in the same Forrester landscape report.
- Avaloq: Avaloq (now part of NEC) is a Swiss provider of digital banking and wealth management platform software serving retail, private, and corporate banks. It is the most direct in-country competitor to ti&m's ti&m Banking Suite and shares a Swiss regulatory and core-banking-integration heritage.
- Inventx: Inventx is a Swiss IT specialist for the financial services sector, providing digital banking, integration, and managed services to banks and wealth managers. It competes directly with ti&m for Swiss retail and private banking transformation deals.
Broad incumbents
- Thoughtworks: Thoughtworks is a global digital transformation and software engineering consultancy with deep banking and insurance practices. It is a broader incumbent comparable to ti&m's consulting arm on agile engineering, AI/data, and platform modernization mandates.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat6 records
Key risks5 records
Key highlights6 records
Customer concentration
ti&m social profiles
Digital presenceti&m compliance and trust
Trust signalCompliance3 records
ti&m financial estimates
Financial estimateRevenue estimate
Valuation estimate
ti&m leadership team
Management profileNumber of profiles
Profiles9 records
ti&m funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ti&m M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ti&m
What does ti&m do?
ti&m develops and sells modular digital banking software (ti&m Banking Suite) and AI-powered products for financial institutions, insurers, and public sector organizations, complemented by professional consulting, implementation, and managed cloud services. The company combines proprietary platforms (Banking Suite, AI Agents Hub, Open Datastack, Swiss Banking Cloud, Swiss eGov Cloud) with end-to-end digital transformation services across Switzerland, Germany, and Singapore.
Is ti&m a public or private company?
ti&m is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was ti&m founded?
ti&m was founded in 2005. It employs 251 to 500 people.
Where is ti&m based?
ti&m is headquartered in Zürich, Switzerland, in the Europe region.
How does ti&m make money?
Three revenue lines are on record. Professional Services & Consulting is the primary driver. The others are software Products & Licenses and managed Services & Cloud Hosting.
Who are ti&m's main competitors?
Direct peers on record are Adnovum, Mambu, GFT Technologies, Temenos, Ergon Informatik, Backbase, Finastra, Avaloq and Inventx. Thoughtworks is listed as a broad incumbent.
Does ti&m have an API?
No public API is recorded for ti&m.
What industry is ti&m in?
ti&m's product category is Digital Banking Software. Its primary akta.pro industry code is BPAHAEAF, Data, Analytics & AI Consulting, with a secondary code of FSAGAAAI, SME Banking Suite (Business Accounts, Invoicing, Payroll Integrations). Its NAICS code is 5132 and its SIC code is 7371.