{"name":"Cembra Money Bank AG","domain":"cembra.ch","url":"https://optimly.ai/brand/cembra-money-bank-ag","is_claimed":false,"categories":["fintech-financial-services"],"headers":[{"header":"Overview","sections":[{"key":"short_description","label":"Tagline","shape":"text","content":"Cembra is a leading Swiss provider of financing, payment and savings products.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://cembra.ch","updated_at":"2026-11-07T06:29:24.393687+00:00"},{"key":"description","label":"Description","shape":"text","content":"Cembra Money Bank AG is an independent Swiss bank listed on the SIX Swiss Exchange since 2013. It offers personal loans, auto loans and leasing, credit cards, insurance products, invoice financing, buy now pay later options, and savings and term deposits. Cembra serves over 2 million customers in Switzerland, operates through hubs, online channels, partners, intermediaries and car dealers, and has its headquarters in Zurich.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://cembra.ch","updated_at":"2026-11-07T06:29:24.393687+00:00"}]},{"header":"Identity","sections":[{"key":"mission","label":"Mission","shape":"text","content":"To provide responsible financing, tailored solutions within customers' budgets, and financial education and advice.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://cembra.ch","updated_at":"2026-11-07T06:29:24.393687+00:00"},{"key":"website","label":"Website","shape":"text","content":"https://cembra.ch","source_type":"1p_website","source_label":"Brand's website","source_url":"https://cembra.ch","updated_at":"2026-11-07T06:29:24.393687+00:00"},{"key":"voice_tone","label":"Voice & tone","shape":"text","content":"Approachable, accessible, down-to-earth and transparent.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://cembra.ch","updated_at":"2026-11-07T06:29:24.393687+00:00"},{"key":"headquarters","label":"Headquarters","shape":"text","content":"Zurich, Switzerland","source_type":"1p_website","source_label":"Brand's website","source_url":"https://cembra.ch","updated_at":"2026-11-07T06:29:24.393687+00:00"},{"key":"parent_ownership","label":"Parent ownership","shape":"text","content":"Cembra Money Bank AG is the parent company of the Cembra Group. The Group's fully owned subsidiaries are CembraPay AG and Cembra Latvia SIA.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://cembra.ch","updated_at":"2026-11-07T06:29:24.393687+00:00"}]},{"header":"Offerings","sections":[{"key":"problem_solved","label":"Problem solved","shape":"text","content":"Provides financing, payment, insurance and savings solutions for individuals and institutions in Switzerland, while helping customers manage financial questions and improve their financial literacy.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://cembra.ch","updated_at":"2026-11-07T06:29:24.393687+00:00"},{"key":"core_capabilities","label":"Core capabilities","shape":"text","content":"Personal lending\nAuto loans and vehicle leasing\nCredit card issuance and services\nInvoice financing and buy now pay later payment options\nInsurance intermediation\nSavings and term deposit products\nOnline and hub-based customer service\nFinancial literacy resources and responsible financing guidance","source_type":"1p_website","source_label":"Brand's website","source_url":"https://cembra.ch","updated_at":"2026-11-07T06:29:24.393687+00:00"},{"key":"products","label":"Products / SKUs","shape":"text","content":"Personal loans\nCash credit with a cash reserve\nAuto loans\nVehicle leasing\nCredit cards, including Cembra and partner-programme cards\nBuy now pay later and invoice financing through CembraPay\nInsurance products\nSavings products","source_type":"1p_website","source_label":"Brand's website","source_url":"https://cembra.ch","updated_at":"2026-11-07T06:29:24.393687+00:00"},{"key":"pricing","label":"Pricing","shape":"text","content":"Homepage promotions advertise loans from 4.95% and 5.95%. The Certo! Mastercard advertises up to 1% cashback. Specific pricing for other products is not stated in the supplied content.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://cembra.ch","updated_at":"2026-11-07T06:29:24.393687+00:00"}]},{"header":"Audience","sections":[{"key":"target_industry","label":"Target industry","shape":"text","content":"Banking and financial services","source_type":"1p_website","source_label":"Brand's website","source_url":"https://cembra.ch","updated_at":"2026-11-07T06:29:24.393687+00:00"},{"key":"customer_base","label":"Customer base","shape":"text","content":"Over 2 million customers in Switzerland, including retail customers and institutional clients, served through Cembra's hubs, online channels, credit card partners, independent intermediaries and car dealers.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://cembra.ch","updated_at":"2026-11-07T06:29:24.393687+00:00"},{"key":"icp","label":"Ideal customer profile","shape":"text","content":"Individuals in Switzerland seeking personal or auto financing, credit cards, insurance, flexible payment options or savings products, as well as institutional clients seeking savings and term deposits.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://cembra.ch","updated_at":"2026-11-07T06:29:24.393687+00:00"},{"key":"use_cases","label":"Use cases","shape":"text","content":"Financing a personal expense or one-time cash need\nFinancing a vehicle through a loan or lease\nMaking purchases with credit cards\nPaying online or at the point of sale through invoice financing or buy now pay later\nProtecting against risks related to loans, vehicles, travel, cyber incidents and cards\nBuilding savings through savings or term deposit products\nManaging accounts and services through the Cembra App or eService\nLearning about borrowing, budgeting and responsible financing","source_type":"1p_website","source_label":"Brand's website","source_url":"https://cembra.ch","updated_at":"2026-11-07T06:29:24.393687+00:00"},{"key":"customer_outcomes","label":"Customer outcomes","shape":"text","content":"Access to personalised and flexible financing\nFinancial flexibility for vehicle purchases and other expenses\nFlexible and secure payment options\nPotential cashback and other credit card features\nFinancial protection through related insurance products\nSavings with competitive interest rates and flexible terms\nImproved understanding of financial topics and budgeting\nSupport for secure card use and fraud prevention","source_type":"1p_website","source_label":"Brand's website","source_url":"https://cembra.ch","updated_at":"2026-11-07T06:29:24.393687+00:00"}]}],"last_refreshed_at":"2026-11-07T06:29:24.402633+00:00","last_changed_at":"2026-11-07T06:29:24.410711+00:00","claim_url":"https://app.optimly.ai/sign-up?claim=a77d45ba-25fc-4b52-b0f6-59e4d8f2ab87"}