Proven strengths coupled with innovation

Reimagining Cembra

We are proud to be a leading provider and preferred partner for flexible and reliable financing solutions that move people forward. We operate in an attractive market with continued robust demand for consumer finance products. As digitisation increases, our customers’ needs and expectations are changing. We are taking this onboard and have realigned our strategy accordingly.

Strategy 2022–2026

Cembra’s strategic ambition is to provide customers and business partners with the most intuitive payment and financing solutions in Switzerland through technology and strong customer service. Our core beliefs are crucial to our success: core excellence, customer focus, simplification and digitisation.

Four strategic programmes – our path to the future

Drawing on Cembra’s strengths – which are our proven credit factory, our customer base of over one million customers in Switzerland and our decades of experience in the consumer finance business – we have defined four programmes to achieve our strategic and financial goals.

  • The Operational Excellence programme aims to radically simplify Cembra’s operating model and transform our technology landscape in order to further improve customer service and increase efficiency.
  • The Business Acceleration programme will enable us to accelerate growth in our core businesses and increase market penetration.
  • Through our New Growth Opportunities programme, we will drive embedded financing solutions and use Swissbilling to grow the “buy now, pay later” business.
  • All these measures will be consolidated through our cultural transformation. The aim of this fourth programme is to create an agile and learning-oriented organisation in which people work together with confidence and trust.