ti&m

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.

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

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

• Digital banking software
• Enterprise AI solutions
• Open-source data platform
• Digital transformation consulting
• Cloud banking infrastructure

Headquarters

HQ city

Zürich

HQ country

Switzerland

HQ region

Europe

Offices6 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Professional Services & Consulting: Digital transformation consulting, implementation services, and project-based engagements for enterprise clients in banking, insurance, public sector, and industrial sectors
2. Software Products & Licenses: Sale of ti&m Banking Suite, AI Agents, security products, and other software platforms to financial institutions and enterprises
3. 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

Core 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

Named customers15 records

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability9 records

Feature10 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• Red HatcoreTechnology or IntegrationPartnership 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 ResearchcoreTechnology or Integrationti&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.
• MagnoliacoreTechnology or IntegrationStrategic partnership with Magnolia as Platinum Partner. ti&m provides digital experience platform implementations using Magnolia CMS, including SEO optimization and web accessibility services.
• LiferaycoreTechnology or IntegrationPlatinum Partner with Liferay for digital experience platform implementations and enterprise portal solutions.
• SwisscomcoreTechnology or IntegrationSwisscom Sign - electronic signature solution for everyone uses ti&m's online identification software. Also Swisscom Places collaboration for hybrid workplace solutions.
• SIX Group (bLink)coreTechnology or Integrationti&m Banking joined the bLink open banking community, enabling integration with Switzerland's leading open finance platform. CIC eLounge joined bLink open banking community.
• GooglecoreTechnology or IntegrationFirst Google Anthos project in Switzerland: ti&m built a new container management platform for the City of Zurich (OIZ).
• Main Incubator GmbH (Lissi)minorStrategic or Co-development PartnerCollaboration with Main Incubator GmbH in the area of Self-Sovereign Identity (SSI). Partner for Lissi wallet and ecosystem development.
• IDunionminorStrategic or Co-development PartnerIDunion 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)coreStrategic or Co-development PartnerCo-developed AI Maturity Study 2026 with over 200 companies participating. First edition of new annual study examining AI adoption in Swiss organizations.
• Swiss Data AllianceminorStrategic or Co-development PartnerChristian 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

Direct 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

• Xx.com/ti8m_ag
• LinkedInlinkedin.com/company/ti8m
• Instagraminstagram.com/ti8m_ag
• Facebookfacebook.com/technology.innovation.management

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 ti&m