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Category: Allgemein

Quilvest (Switzerland) Ltd. receives the “CO2-Optimised” certificate by Swiss Climate

Quilvest (Switzerland) Ltd. (QVS) has been dedicated to improving its carbon footprint over the last years. After the successful launch of our ESG charter, our goal was to identify sources and to estimate amounts of carbon dioxide emissions caused by QVS. Interestingly, around 80% of our CO2 emissions were caused by business travelling, followed by employee commuting (9%) and office heating (8%) – factors we will continuously work on.

Our emissions have been audited by Swiss Climate and were labelled as satisfactory, which is why we can proudly announce having received the certificate “CO2-Optimised” by Swiss Climate for the year 2021. The certificate, which is valid until 2027 and yearly reviewed, demonstrates our dedication to a holistic and integrated CO2 management.

The “CO2-Optimised” certificate attests QVS the knowledge of opportunities and risks in relation to climate change, the knowledge of the most significant sources of emissions and areas of action as well as the definition of absolute or relative reduction targets. We are looking forward to further discussing the QVS climate strategy, reduction of caused emissions and related measures in the future.

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Mobile Banking: Automation Leaves Space for Visions

Quilvest (Switzerland) Ltd. proudly presents its enhanced Mobile Banking app. The update was released only ten months after the app’s initial launch in March 2021. The release of this version of the Mobile Banking app reflects Quilvest’s commitment to further digitalise its services. Subsequent releases are planned for 2022.

QVS Mobile App

With the new enhanced Mobile Banking app, Quilvest is strengthening its role as its clients’ sparring partner, even when they’re on the go.

Up to now, the app has included the following features:

Secure Login photo

Secure Login

Portfolio and performance overview photo

Portfolio and performance overview

Transaction overview photo

Transaction overview

Secure chat with the client relationship manager photo

Secure chat with the client relationship manager

“This app release showed me once again how difficult it is to make complex services easy to use for clients. The carefully considered smart rule sets bring new standards to mobile banking apps.”

Simon Gassmann - CIO

The new release is a huge step forward in terms of smart rules and easy international money transfer management.

New Features

The following features are integrated into the app: secure login, automated money transfer functionalities, smart automation and easy-to-access options for contacting the client relationship manager.

Strengthened Secure Login

Security and convenience were our guiding principles when developing the app. This is why the newly released version of the mobile banking app supports automatic switching between the QVS Access and QVS Mobile apps – to ensure smooth and intuitive login. Clients can use either their PIN, facial authentication or fingerprint.

Money Transfer Made Easy

The app offers the option to make payments and money transfers conveniently and easily, all in the palms of our clients’ hands. If there are any missing details, an innovative help button uses automation to guide users through the payment process.

Powerful Scanner

The convenient scanning functionality can easily recognise payment slips and processes the payment automatically. Users can scan with any mobile orientation. The app can detect the code with ease.

Account to Account Transfers Made Easy

The app uses prefilled transaction references for each repetitive payment. This frees up more creative time and space for our clients to pursue their entrepreneurial challenges and other interests. In addition, previous payments can be reused.

Approve Mobile Banking Payments Securely

The additional Quilvest Security app, the Access app, ensures that transactions remain secure and are always approved by our clients. They get an overview of their payments, and this frees them from having to worry about their financial transactions. Both apps feature intuitive navigation, making them fast and easy to use.

Have an Overview

The screen size does not limit the level of information available to clients. Users choose how deep they would like to drill down to obtain the information they care about – performance figures, liquidity levels, currencies, latest transactions, various account overviews, portfolios and more.

Optimised Help

The app recognises when the user might get lost and provides a quick link to the client relationship manager, either via a safe chat function or by phone. It is up to the user.

Digital Transformation Journey

These developments demonstrate the great strides Quilvest has made in its continuing journey of digital transformation. The newly designed processes reflect the digital way of working. Quilvest will stay on this path by integrating credit cards and stock exchange operations into the Mobile app next year. The goal remains to provide high-class services to our customers and be their preferred financial partner, integrating convenience and sustainability.

Account to account transfers made easy

Easy - select debit account

Convenient - select credit account

Fast - prefilled booking text

Worry free - secure confirmation
THEY WORK TOGETHER

Secure login for your Mobile Banking

One providing access and the other one for mobile banking.
Mobile app page
Quilvest Access app icon

QVS Access

Provides secure access to Quilvest (Switzerland) Ltd.’s banking platform using your biometrics or a PIN.
 

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Quilvest Mobile app icon

QVS Banking

Our highly secure Mobile Banking app lets you stay on top of business finances on the move using your biometrics or a PIN.

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The journey is the reward – Confucius

For the Western world, China’s economy and political system is and remains a paradox – no less so since Xi Jinping’s vision of collectivity has increasingly taken concrete shape with measures, sanctions or specifically tightened regulations. From the Chinese perspective, short-term corrections are necessary to return to national greatness as the communist party’s ultimate goal.

By Roger Frey, CIO, Quilvest (Switzerland) Ltd

Is China really a true "ESG" nation?

Said corrections do not stop at social aspects either: Under the doctrine of collectivity, everyone has to contribute – even the younger generation, which the party believes is too involved with video games instead of working productively to achieve the supreme goal. Public school companies are being punished as they have become unaffordable for the majority of the population. Internet consumption and its platforms get a lot of money and enjoy too many freedoms, but lack the innovation needed to ensure China’s technological progress.

Environmental awareness, balance from an economic and social perspective as the foundation of the new, modern China. Is China really a true “ESG” nation?

“Not for the faint-hearted, but China High Yield is worth buying here and now.”

– Quote by Roger Frey, CIO,
Quilvest (Switzerland) Ltd.

Unaffordable financing costs in the real estate sector

The costs of these short-term, sometimes severe tightening measures are reflected in the current economic performance and ultimately in the financial markets. The monetary situation remains tight, while not much can be expected from a fiscal policy perspective. Raw materials and other production facilities are struggling with low capacity utilisation due to increased environmental regulations, which is sometimes reflected in the energy supply and its prices. 

However, developments in the housing market and its builders show that China has tightened the screw too much. The collapse of Evergrande, and sometimes the threat to the entire real estate and construction industry, could have draconian consequences for China and its economy. Financing costs on the international bond markets for the construction giants have become prohibitive. Interest rates of well over 20% can hardly be afforded by even well-off companies in the long run. Such interest rates or yields were last measured in 2012, during the last real estate crisis in China. In the meantime, uncertainty has also increased on the local bond markets, leading to greater price discounts and higher refinancing costs. 

No drying up of the international bond market

In fact, China has been taking countermeasures for a few weeks now, which means that the remaining real estate companies are seeing increased support for their business activities. 

Currently, international investors believe that practically one in four construction companies will go bankrupt. Although it is thought that USD-denominated bonds may be treated worse than local debt in the event of a default, these are probably far too pessimistic assumptions. Even China’s real estate sector cannot afford a drying up of the international bond market as a source of financing, which is assumed if the prices of these bonds are taken as a benchmark.

Way too big to fail

The real estate sector is considered “way too big to fail”, insofar as one can assume that China will do everything in its power not to cause a systemic crisis. Most probably, Evergrande in its original form will fall by the wayside and the state will not take over its debts. However, that the same fate befalls practically every fourth construction giant in China would divert China from its long-term path. Not for the faint-hearted, but China High Yield is worth buying here and now.

End

Credits: 
Photo #01 – Beijing National Stadium (Bird’s Nest) – by Rafik Wahba
Photo #02 – The Uncomplicated Guide to Investing by Yiorgos Ntrahas

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Quilvest Retrieves Swiss Family Office Arm

On the other hand, organizations have the need for integrating in IT departments new technologies often using cloud services and other ways of direct access to the web. This pressure for IT departments to give…

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