The elevator pitch that changes everything: Almost everything happens through an app today – from ordering food to managing our finances. But how do you keep the human at the heart of the neobank experience when screens replace face-to-face interactions?
This is the question at the core of Neo Decoded, our new series that goes beyond press releases and marketing messages to reveal the real people building the future of digital finance.
Why Neo Decoded?
At neobanque.ch, we've covered hundreds of neobanks around the world, analyzed countless features, and tracked every product launch. But we kept hearing the same questions from our community:
- "Can I really trust a bank that only exists on my phone?"
- "Who do I talk to when something goes wrong?"
- "Are these platforms built for real people or just tech enthusiasts?"
Neo Decoded answers these questions by sitting down with the founders, CEOs, and teams behind crypto services and neobanks to understand their vision, their challenges, and most importantly – how they're keeping financial services human in an increasingly digital world.
Each episode features five questions:
Three core questions that every guest answers, allowing you to compare philosophies across different platforms:
- What's your elevator pitch?
- How do you keep the human at the heart of the neobank experience?
- How do you see digital banking evolving to meet the needs of tomorrow's consumers?
Two community questions sourced directly from you – our readers – addressing the real concerns and curiosities of consumers navigating digital finance.
Episode 1: Alpian Celebrates One Year of Putting Wealth Management in Your Pocket
For our inaugural episode, we spoke with the team at Alpian, the Swiss private neobank that just celebrated their first anniversary of public launch.
The Alpian Story: Private Banking Meets Digital Innovation
Alpian launched with a bold promise: democratize Swiss private banking by combining cutting-edge technology with genuine human expertise. One year later, they've proven that "digital-first" doesn't mean "digital-only."
What makes Alpian different? Direct access to human wealth advisors right in the app through call or video chat. While many neobanks hide customer support behind chatbots and email tickets, Alpian built their entire experience around the idea that complex financial decisions deserve human guidance.
Three Investment Plans for Different Life Stages
Alpian structures their offering around three distinct investment approaches:
Essential (from CHF 2,000): Perfect for young professionals taking their first steps in investing. You're not sure where to start? Essential provides a solid foundation with expert-built portfolios accessible at an entry point that doesn't require significant capital.
Guided (from CHF 10,000): A highly personalized strategy that grows with you. This middle tier offers more customization while maintaining the security of expert oversight – ideal for investors who want involvement without going it alone.
Managed (from CHF 30,000): The full private banking experience with a completely personalized investment strategy. Your wealth advisor crafts a portfolio specifically for your goals, risk tolerance, and life circumstances.
Start Investing Safely with Wealth Advisors
💸 Get CHF 75 Starting Credit (with CHF 500 deposit) by using code: N3OBNK
Ready to take your first steps in investing with expert guidance? Alpian's combination of accessible minimums and human wealth advisors makes it easier than ever to start building your financial future – and our exclusive code gives you a head start.
Protecting Your Wealth, Building Your Future
In our conversation, Alpian emphasized two core missions:
- Protecting wealth against inflation – A critical concern for Swiss savers watching their purchasing power erode in traditional savings accounts
- Helping people invest with expert guidance – Removing the intimidation factor that keeps many young people from taking their first investment steps
Recent Innovation: eBill and Pillar 3a
True to their commitment to evolution, Alpian recently launched two major functionalities that Swiss users have been requesting:
eBill integration: Seamlessly manage and pay your Swiss bills directly through the app, bringing everyday banking convenience to their wealth management platform.
Pillar 3a: The tax-advantaged retirement savings solution that every Swiss resident needs. By integrating 3a accounts with their investment expertise, Alpian helps clients optimize both their retirement savings and their tax situation.
Join the Conversation
Neo Decoded exists because of questions from readers like you. What do you want to know about the neobanks and crypto services you're considering? Submit your questions for upcoming episodes, and we'll ask them directly to the people building these platforms.
Watch the full Episode 1 with Alpian above, and subscribe to follow the series as we decode the human stories behind digital finance.