• Bank Cler, a leading Swiss bank with roughly CHF 17 billion AUM, wanted to attract more leads digitally while increasing conversion rates, optimize internal processes, and create efficient follow-up processes across multiple digital channels
• Traditional mortgage processes had created inefficient lead management workflows that limited digital growth potential and increased borrower anxiety
• Oper was selected for its Affordability Calculator, Mortgage Simulation capabilities, seamless integration architecture, and multi-language support across German, French, and Italian
• By working with Oper, Bank Cler achieved significantly higher conversion rates, increased digital lead volumes, streamlined advisor workflows, and improved lead quality across all digital channels

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About Bank Cler

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Bank Cler operates as a major Swiss retail bank with established market presence (over CHF 16 billion AUM) across Switzerland's multilingual regions. The bank has positioned itself as a digital banking innovator, particularly through its Zak mobile platform, while serving both domestic Swiss customers and the significant expat professional market.

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About Oper

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Oper is the leading digital mortgage origination platform that helps lenders digitize mortgage processes from contact to contract. Trusted by major financial institutions across six European countries, Oper delivers exceptional borrower experiences while boosting conversion rates and operational efficiency.

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Products Used:

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• Affordability Simulator
• Lead Management
• Self-Service Document Management
• Online Mortgage Application

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The Challenge

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Bank Cler launched its digital mortgage initiative in 2021 as an innovation project initially focused on Switzerland's expat market. However, the bank quickly identified broader opportunities to transform their entire mortgage operation.

The traditional mortgage process created multiple barriers: potential borrowers experienced anxiety when trying to understand mortgage options without making commitments, the bank lacked tools for early-stage digital engagement, and there was no seamless way to connect digital interest with advisor consultations.

Bank Cler needed a solution to engage borrowers at early stages, optimize internal processes, attract quality digital leads, increase conversion rates, and create efficient multi-channel lead management systems.

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The Solution

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Oper's digital mortgage platform went live in August 2022, supporting German, French, and Italian languages to serve Switzerland's multilingual market. The solution provides two flexible customer pathways: borrowers can input financial information to receive affordability limits and property price ranges, or provide specific property details for targeted financing analysis.

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The platform delivers transparent monthly and yearly payment breakdowns, eliminating traditional mortgage opacity. Borrowers can seamlessly transition from exploration to pre-approval within the same interface, then connect directly with Bank Cler advisors who receive pre-populated customer information for more strategic consultations.

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The solution integrated seamlessly with Bank Cler's existing digital infrastructure, including their Zak mobile platform, enabling cross-selling opportunities while eliminating administrative overhead.

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Results

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• ‍Increased Digital Lead Volumes: Bank Cler experienced significant growth in quality mortgage leads through digital channels, with better-prepared prospects entering the mortgage funnel.‍
• Higher Conversion Rates: The streamlined, anxiety-free process converted more digital prospects into actual mortgage customers compared to previous channels.‍
• Operational Efficiency: Self-service capabilities and automated workflows reduced advisor time on administrative tasks while accelerating quote delivery and deal closure.‍
• Enhanced Customer Experience: The transparent, intuitive platform increased customer trust and satisfaction while expanding adoption across Bank Cler's mortgage services.

“The new online mortgage application process significantly improved Bank Cler’s ability to distribute mortgages digitally. Compared to our previous channel, our reports show increasing volumes and a higher conversion rate.”

- Yannick Grandjean, Digital Banking Manager at Bank Cler

Due to the success, Bank Cler expanded the initiative beyond its original expat focus to serve broader customer segments, positioning the bank advantageously in Switzerland's competitive digital banking landscape.

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Want to see how Oper can help with your digital mortgage solutions? Reach out or request a demo.

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