Beyond the Code: A Year-End Conversation on the Future of Private Banking with CEO Franck Oliger
As 2025 draws to a close, the landscape of private banking and wealth management continues to shift at an unprecedented pace. Yet, amidst the algorithms and automation, one truth remains: banking is a business of people.
We sat down with Franck Oliger, CEO of SpeciTec, to discuss why the "Human Connection" was the defining theme of 2025, how tools like SpeciCRED and SpeciVIM are reshaping operational efficiency, and what private banks need to do right now to prepare for 2026.
Franck, looking back at 2025, what stands out most to you?
Franck Oliger: If I had to summarize 2025 in one word, it would be resilience. But what stood out most wasn't the technology itself—it was the people behind it.
We often get lost in discussions about AI, digitalization, and metrics. But technology is static without human ambition. This year, I saw private bankers under immense pressure to adapt. The firms that succeeded weren't just the ones with the best software; they were the ones that used technology to empower their teams to be more human.
How does that philosophy translate to SpeciTec's products? Can software really make banking "more human"?
Franck Oliger: Absolutely. That is the core purpose of our innovations.
Take SpeciCRED, for example. Credit origination is traditionally a heavy, administrative burden. It keeps bankers buried in paperwork rather than talking to their clients. By streamlining the credit workflow, we aren't just "processing data"—we are giving time back to the Relationship Manager. We are allowing them to look their client in the eye and say, "I have the solution," rather than, "I have to fill out a form."
The same applies to SpeciVIM. With the increasing complexity of cross-border regulations and suitability rules, compliance can be a paralyzing fear for banks. SpeciVIM turns that wall into a guardrail. It safeguards the bank's reputation so that advisors can focus on strategy, not stress.
The industry is moving fast. What is your vision for 2026?
Franck Oliger: 2025 was about stabilization; 2026 will be about acceleration.
We are entering an era where "digital" is no longer a differentiator—it is the baseline. The next frontier is Precision. Banks will need to move faster, but with zero margin for error.
My vision for SpeciTec is to be the engine of that precision. We are preparing updates that will make our ecosystems even more interconnected. We want to ensure that whether a bank is managing complex credit requests or navigating distinct regulatory environments, the technology feels invisible.
Finally, what is your message to the industry as we head into the holidays?
Franck Oliger: Innovation is nothing without connection. My deepest gratitude goes to our partners, clients, and the SpeciTec team who make everything possible.
Great things are never done alone. So, my wish for everyone is simple: rest, recharge, and enjoy the human moments this season. Because when we return in January, we have a future to shape.
Ready to Shape the Future?
Don't wait for January to set your strategy. Whether you need to streamline your credit processes with SpeciCRED or secure your cross-border activities with SpeciVIM, let's start the conversation now.
Let's Prepare 2026 – Request a Demo
