RESEARCH · OPEN BANKING · PART 2 OF 2

Swiss Pay-by-Bank — Open Banking Opportunities

Adoption barriers and what unlocks 60–85% merchant fee compression.

Continuing from Part 1 — Current State and Cost Analysis: the technical and regulatory levers that would actually shift Swiss e-commerce away from card-scheme economics. This piece maps adoption barriers (consumer UX, merchant integration burden, dispute liability), the bilateral Open Finance progress at SFTI/SIX, and the realistic three-year path to deep Pay-by-Bank penetration.