Valyo AG is a Swiss-based Fintech startup founded in 2019 that pursues the vision of a modern, open and transparent financial market. It operates a digital financial marketplace for bond-issuing and combines it with a team of financial market experts from the Swiss credit and capital market. In doing so, Valyo bridges the worlds of established personal financial advice with a digital platform that covers required processes end-to-end.

The project team began by conducting a business and market analysis to understand the status quo. Then a compelling business idea and vision were formulated and a flexible business case calculated. Consequently, a new value chain process was drafted which formed the basis of the to-be developed product proposition. Identifying and bringing together required strategic partners and convincing top management stakeholders to invest, followed.

Once an investment decision was induced, the implementation phase started. On the one hand, the development of the new Fintech startup was pursued. This was initiated by creating and registering a new brand name as well as defining the identity and design of the brand. But the process didn't stop there, the founding and setting up of the business, the definition of the operating model, conducting various sales and HR activities, including talent recruitment, all followed those initial activities.

A marketing strategy and plan was put together and an initial launch campaign was developed. To allow for effective co-creation, the founders were hosted on Valtech’s office premises during the incubation period until a suitable office space was found and beautified next door.

On the other hand, the development of the digital marketplace and the corporate website was accelerated. At the outset of the business, design and technical requirements were gathered, and a technical concept was formulated. Based on the branding outputs, the user experience was defined and the user interface for the marketplace designed. In addition, the content was created in close collaboration with the client and a law firm for the legal documents.

Adhering to an agile approach, the front-end and back-end development continuously brought the platform to life, always monitored by intense testing. For the launch, operations were setup and hyper-care activities were conducted to support onboarding of marketplace participants.

We demonstrated our unique capabilities through combining our business expertise alongside our technology savviness throughout all phases from business idea to running business. Together with Valyo, we built, shaped and delivered a digital end-to-end marketplace and successfully founded a FinTech start-up
Achim Gareus
Head of Consulting & Design
Valtech Switzerland