VIAC Invest – simple, flexible, user-friendly
25.06.2025
Together with Ergon, VIAC has created a digital investment solution that is revolutionising securities-based saving in Switzerland. An agile and tech-driven approach has resulted in a product that sets new standards in terms of user-friendliness, transparency and automation – while seamlessly integrating into the existing VIAC ecosystem.
As a pioneer in the field of digital pensions, VIAC has established itself on the Swiss fintech market since the launch of its 3a app in 2017. With the new product “VIAC Invest”, the company is expanding its portfolio to include a solution for non-restricted securities-based saving (Pillar 3b). VIAC is thus responding to pressing demand expressed by its own customers, who want to use the same user-friendly solution when investing their money – even if this is unrelated to tied pension provision.
From the idea to the solution – agile, pragmatic and collaborative
The desire for an investment solution with maximum customer focus is nothing new. But meeting the demanding user-friendliness, scalability and cost efficiency requirements called for an experienced partner. VIAC placed its trust in Ergon. Together, they had already implemented the first fully digital Pillar 3a solution and a digital vested benefits solution.
The project timeline was ambitious, as VIAC Invest was to go live in just two years. To meet this challenge, Ergon doubled the team size. The schedule had to be strictly adhered to whilst maintaining consistently high quality throughout. Working alongside technology partners Unknown Digital GmbH and leveraging the proven development partnership with Ergon, a set-up was created that optimally combined agile processes, clear accountability and efficient communication. One particular challenge lay in integrating numerous new interfaces whilst ensuring a high degree of automation – a critical lever for keeping operating costs low and enabling scalability.
Simple, digital, transparent – VIAC Invest
The result is a product that impresses with its simplicity and usability. Users can open their investment account with just a few clicks – completely digital, anytime, on any device. Savings plans can be set up or withdrawal plans defined from as little as one franc – for personal retirement provision, for example. The intuitive app allows users to create bespoke investment strategies and adjust them flexibly as needed, without minimum terms, minimum fees or hidden costs.
Automation is not an end in itself, but rather a key factor in user convenience and cost efficiency. Thanks to end-to-end processes and smart system architecture, manual work is virtually eliminated – whether in transaction processing or tax statement generation. Regulatory requirements have also been integrated proactively.
Long-term partnership with a view to the future
“Working with Ergon, we have created a product that not only delights our users, but also meets our own innovation, scalability and cost efficiency standards,” said René Ineichen, CEO of VIAC Invest AG. The success story of VIAC Invest demonstrates what is possible when two partners with shared values and a clear vision work together.
With the new solution, VIAC offers not only an attractive follow-on option for customers after retirement, but also an investment tool for families, children’s portfolios and individual savings. VIAC Invest represents a new generation of investment management – transparent, digital, cost-effective, and designed for people who want to take control of their financial future.
The platform is technologically and conceptually ready for further growth. And Ergon remains on board for the continuous expansion, monitoring and further development of the range.