{"id":19912,"date":"2025-04-13T01:53:28","date_gmt":"2025-04-12T23:53:28","guid":{"rendered":"https:\/\/heyneo.ch\/non-categorizzato\/yapeal-baas-provider\/"},"modified":"2026-02-01T22:42:51","modified_gmt":"2026-02-01T21:42:51","slug":"yapeal-baas-provider","status":"publish","type":"post","link":"https:\/\/heyneo.ch\/it\/notizie\/yapeal-baas-provider\/","title":{"rendered":"BaaS &#8211; Cosa succeder\u00e0 a Yapeal da 2026?"},"content":{"rendered":"<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"yapeal-se-transforme-en-fintech-pour-les-fintechs\">Yapeal diventa una fintech per le fintech<\/h2>\n\n<p><strong>La neo-banca svizzera Yapeal ha avviato una svolta strategica. Dal marzo 2025 opera come fornitore di infrastrutture bancarie con un&#8217;offerta B2B incentrata sull&#8217;integrazione di servizi bancari in prodotti\/servizi di terzi <a href=\"https:\/\/www.finma.ch\/en\/~\/media\/finma\/dokumente\/bewilligungstraeger\/pdf\/fintech.pdf?la=en\">conformi alla FINMA<\/a>. <\/strong><\/p>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}#gspb_infoBox-id-gsbp-4302098 .gs-box-text{flex-grow:1;margin:0}#gspb_infoBox-id-gsbp-4302098 .gs-box-icon{margin-left:-10px;}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-4302098 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-4302098 svg{height:50px!important;width:50px!important;min-width:50px!important;}#gspb_infoBox-id-gsbp-4302098 svg,#gspb_infoBox-id-gsbp-4302098 svg path{fill:var(--wp--preset--color--main,var(--rehub-main-color)) !important;}#gspb_infoBox-id-gsbp-4302098 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-4302098 svg:hover,#gspb_infoBox-id-gsbp-4302098 svg:hover path{fill:var(--wp--preset--color--main,var(--rehub-main-color)) !important;}#gspb_infoBox-id-gsbp-4302098 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-4302098 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea32b;}#gspb_infoBox-id-gsbp-4302098 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-4302098 .gs-box{background-color:#f4b6d9;}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-4302098\" id=\"gspb_infoBox-id-gsbp-4302098\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><svg id=\"Calque_2\" style=\"width:5rem;height:5rem;margin:10px\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 62.63 93\">\n  <g id=\"Calque_2-2\" dataname=\"Calque_2\">    <g>\n      <path d=\"M31.31,26.97c-8.39,0-15.19,6.44-15.19,14.39s6.8,14.39,15.19,14.39,15.19-6.44,15.19-14.39-6.8-14.39-15.19-14.39ZM31.31,51.96c-6.18,0-11.19-4.74-11.19-10.6s5.01-10.6,11.19-10.6c2.9,0,5.54,1.06,7.53,2.78,1.23.39,2.12,1.43,2.26,2.69.89,1.52,1.4,3.27,1.4,5.13,0,5.85-5.01,10.6-11.19,10.6Z\"><\/path>\n      <path d=\"M41.1,36.24c-.13-1.26-1.03-2.3-2.26-2.69.9.77,1.66,1.68,2.26,2.69Z\"><\/path>\n      <path d=\"M34.42,36.55c0,1.76,1.5,3.18,3.36,3.18s3.36-1.42,3.36-3.18c0-.11-.02-.21-.03-.31-.59-1.01-1.36-1.92-2.26-2.69-.34-.11-.69-.18-1.07-.18-1.85,0-3.36,1.42-3.36,3.18Z\"><\/path>\n      <g>\n        <polygon points=\"6.27 .13 6.89 23.22 25.98 16.48 6.27 .13\"><\/polygon>\n        <polygon points=\"57.28 0 56.65 23.09 37.57 16.34 57.28 0\"><\/polygon>\n      <\/g>\n      <ellipse cx=\"31.31\" cy=\"41.37\" rx=\"18.95\" ry=\"17.96\" style=\"fill:none\"><\/ellipse>\n      <path d=\"M31.31,10.89C9.18,10.89,0,23.82,0,47.13s16.39,45.87,31.31,45.87c16.46,0,31.31-22.56,31.31-45.87S56.78,10.89,31.31,10.89ZM45,76.7c-1,.58-4.57,2.3-7.8,2.86-.54.09-1.21.18-2,.24l-4.78,5.45c-.08.09-.19.15-.31.17-.06,0-.11,0-.17,0-.18-.03-.33-.16-.39-.32l-2.15-6.11c-.13-.04-.26-.07-.4-.11l-5.64,3.58c-.1.07-.23.09-.35.08-.06,0-.11-.02-.17-.05-.16-.08-.27-.24-.28-.41l-.25-6.9c-4.64-3.98-6.39-9.26-5.82-9.66.61-.41,3.39,4.85,10.44,7.98,5.28,2.34,10.4,2.36,12.08,2.31,6.27-.17,11.1-2.4,11.39-1.82.29.58-2.95,2.44-3.41,2.71ZM31.31,59.32c-10.47,0-18.95-8.04-18.95-17.96s8.49-17.96,18.95-17.96,18.95,8.04,18.95,17.96-8.49,17.96-18.95,17.96Z\"><\/path>\n    <\/g>\n  <\/g>\n<\/svg><\/div><div class=\"gs-box-text\"><style>.gspb_text-id-gsbp-a2de78e{color:#000000;}.gspb_text-id-gsbp-a2de78e{padding-left:30px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-a2de78e\" class=\"gspb_text gspb_text-id-gsbp-a2de78e \"><strong>B2C e B2B:<\/strong><br\/><em>A differenza del modello B2C, che si rivolge ai privati, il modello B2B \u00e8 rivolto alle aziende che vogliono integrare i servizi bancari direttamente nei loro prodotti o piattaforme.<\/em><\/div>\n\n\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"yapeal-va-t-elle-abandonner-les-particuliers-1\">Yapeal abbandoner\u00e0 i privati?<\/h3>\n\n<p>Ufficialmente no.<br\/>I servizi per i clienti privati rimarranno disponibili e Yapeal sostiene che continueranno a beneficiare delle innovazioni sviluppate per il B2B. Ma non sono previsti nuovi sviluppi specifici per il B2C. La priorit\u00e0 \u00e8 altrove.  <\/p>\n\n<p>Per il momento non cambia nulla. Ma questo tipo di riposizionamento spesso apre la strada a una transizione graduale. Dovremo tenere d&#8217;occhio gli sviluppi nei prossimi mesi.  <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"quels-services-yapeal-propose-t-elle-desormais-aux-entreprises\">Quali sono i servizi che Yapeal offre alle aziende?<\/h3>\n\n<p>Yapeal offre un&#8217;infrastruttura completa, progettata per essere integrata direttamente nei servizi di altre aziende. I suoi mercati di riferimento includono start-up, PMI, fintech, fornitori SaaS e societ\u00e0 di servizi. <\/p>\n\n<p>Questo \u00e8 ci\u00f2 che chiamiamo<strong>finanza incorporata<\/strong>: integrare i servizi bancari (conti, carte, pagamenti, ecc.) direttamente in un&#8217;applicazione o piattaforma che non \u00e8 una banca.<\/p>\n\n<p>Per farlo funzionare, Yapeal utilizza un approccio <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">banking-as-a-service<\/mark> (BaaS)<\/strong>: un&#8217;infrastruttura modulare che le aziende possono collegare ai propri strumenti tramite API.<\/p>\n\n<p><strong>I moduli disponibili includono :<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Conti di transazione con IBAN, anche virtuali, con depositi presso la Banca Nazionale Svizzera.<\/li>\n\n\n\n<li>Carte personalizzabili, attraverso una soluzione Cards-as-a-Service.<\/li>\n\n\n\n<li>Pagamenti svizzeri e internazionali, con opzioni di cambio integrate.<\/li>\n\n\n\n<li>Identificazione automatica (KYC) per persone fisiche e giuridiche.<\/li>\n\n\n\n<li>Strumenti di gestione, con reportistica in tempo reale, controllo delle spese e gestione della conformit\u00e0.<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>#gspb_row-id-gsbp-25ee015{justify-content:space-between;margin-top:0px;margin-bottom:0px;display:flex;flex-wrap:wrap;}#gspb_row-id-gsbp-25ee015 > .gspb_row__content{display:flex;justify-content:space-between;margin:0 auto;width:100%;flex-wrap:wrap;}.gspb_row{position:relative;}div[id^=gspb_col-id]{box-sizing:border-box;position:relative;}div[id^=gspb_col-id]{padding:var(--gs-row-column-padding,15px min(3vw,20px));}#gspb_row-id-gsbp-25ee015 > .gspb_row__content{max-width:1200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-row gspb_row gspb_row-id-gsbp-25ee015\" id=\"gspb_row-id-gsbp-25ee015\"><div class=\"gspb_row__content\"> <style>#gspb_col-id-gsbp-b756a36.gspb_row__col--6{width:50%;}@media (max-width:575.98px){#gspb_col-id-gsbp-b756a36.gspb_row__col--6{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--6 gspb_col-id-gsbp-b756a36\" id=\"gspb_col-id-gsbp-b756a36\">\n<p><strong>Identificazione<\/strong> (modulo centrale)<\/p>\n\n\n<style>#gspb_image-id-gsbp-1d86c62 img{vertical-align:top;}#gspb_image-id-gsbp-1d86c62 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-1d86c62\" id=\"gspb_image-id-gsbp-1d86c62\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/level1_core_service_modules_identification.webp\" data-src=\"\" alt=\"Identificazione dell'account del modulo principale di Yapeal\" loading=\"lazy\" width=\"800\" height=\"800\"><\/div>\n<\/div>\n\n\n<style>#gspb_col-id-gsbp-8c35708.gspb_row__col--6{width:50%;}@media (max-width:575.98px){#gspb_col-id-gsbp-8c35708.gspb_row__col--6{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--6 gspb_col-id-gsbp-8c35708\" id=\"gspb_col-id-gsbp-8c35708\">\n<p><strong>Pagamenti<\/strong> (modulo base)<\/p>\n\n\n<style>#gspb_image-id-gsbp-8d54627 img{vertical-align:top;}#gspb_image-id-gsbp-8d54627 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-8d54627\" id=\"gspb_image-id-gsbp-8d54627\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/level1_core_service_modules_payments.webp\" data-src=\"\" alt=\"Pagamenti del modulo principale di Yapeal\" loading=\"lazy\" width=\"800\" height=\"800\"><\/div>\n<\/div>\n <\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>#gspb_row-id-gsbp-2c825e1{justify-content:space-between;margin-top:0px;margin-bottom:0px;display:flex;flex-wrap:wrap;}#gspb_row-id-gsbp-2c825e1 > .gspb_row__content{display:flex;justify-content:space-between;margin:0 auto;width:100%;flex-wrap:wrap;}.gspb_row{position:relative;}div[id^=gspb_col-id]{box-sizing:border-box;position:relative;}div[id^=gspb_col-id]{padding:var(--gs-row-column-padding,15px min(3vw,20px));}#gspb_row-id-gsbp-2c825e1 > .gspb_row__content{max-width:1200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-row gspb_row gspb_row-id-gsbp-2c825e1\" id=\"gspb_row-id-gsbp-2c825e1\"><div class=\"gspb_row__content\"> <style>#gspb_col-id-gsbp-89beb21.gspb_row__col--6{width:50%;}@media (max-width:575.98px){#gspb_col-id-gsbp-89beb21.gspb_row__col--6{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--6 gspb_col-id-gsbp-89beb21\" id=\"gspb_col-id-gsbp-89beb21\">\n<p><strong>Carte<\/strong> (modulo centrale)<\/p>\n\n\n<style>#gspb_image-id-gsbp-d06f28d img{vertical-align:top;}#gspb_image-id-gsbp-d06f28d img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-d06f28d\" id=\"gspb_image-id-gsbp-d06f28d\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/level1_core_service_modules_accounts.webp\" data-src=\"\" alt=\"Modulo centrale Yapeal Schede\" loading=\"lazy\" width=\"800\" height=\"800\"><\/div>\n<\/div>\n\n\n<style>#gspb_col-id-gsbp-a87cd06.gspb_row__col--6{width:50%;}@media (max-width:575.98px){#gspb_col-id-gsbp-a87cd06.gspb_row__col--6{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--6 gspb_col-id-gsbp-a87cd06\" id=\"gspb_col-id-gsbp-a87cd06\">\n<p><strong>Pagamenti<\/strong> (modulo base)<\/p>\n\n\n<style>#gspb_image-id-gsbp-cb1d8f9 img{vertical-align:top;}#gspb_image-id-gsbp-cb1d8f9 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-cb1d8f9\" id=\"gspb_image-id-gsbp-cb1d8f9\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/level1_core_service_modules_monitoring.webp\" data-src=\"\" alt=\"Modulo centrale Yapeal Monitoraggio\" loading=\"lazy\" width=\"800\" height=\"800\"><\/div>\n<\/div>\n <\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p class=\"has-small-font-size\">Fonte : Yapeal<\/p>\n\n<p>L&#8217;intero pacchetto \u00e8 completamente online. Ogni servizio pu\u00f2 essere attivato separatamente a seconda delle esigenze. In questo modo puoi inserire ci\u00f2 che ti serve e integrarlo direttamente nel tuo prodotto.  <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"quelle-place-pour-yapeal-face-aux-acteurs-b2b-deja-presents-en-suisse-1\">Qual \u00e8 la posizione di Yapeal rispetto agli operatori B2B gi\u00e0 presenti in Svizzera?<\/h3>\n\n<p>Il B2B banking in Svizzera \u00e8 ancora agli inizi. Alcuni operatori occupano gi\u00e0 posizioni chiare, ognuno in un campo ben definito. <\/p>\n\n<p>A Zurigo, <strong><a href=\"https:\/\/www.additiv.com\/\">Additiv<\/a><\/strong> offre una piattaforma di gestione patrimoniale utilizzata principalmente dalle banche private. <strong><a href=\"https:\/\/relio.ch\/\">Relio <\/a><\/strong>sempre a Zurigo, si rivolge alle PMI svizzere con un&#8217;offerta di conti pro, ma senza un&#8217;infrastruttura aperta a terzi per il momento.<\/p>\n\n<p>A Ginevra, <strong><a href=\"https:\/\/www.temenos.com\/\">Temenos<\/a><\/strong> rimane un punto di riferimento nel <strong>core banking<\/strong> per le principali banche, con un approccio altamente istituzionale. <strong><a href=\"https:\/\/wecangroup.ch\/\">Il gruppo WeCan <\/a><\/strong>si concentra sulle tecnologie di compliance e blockchain, costruendo blocchi modulari per le istituzioni finanziarie.<\/p>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}#gspb_infoBox-id-gsbp-8f1c1eb .gs-box-text{flex-grow:1;margin:0}#gspb_infoBox-id-gsbp-8f1c1eb .gs-box-icon{margin-left:-10px;}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-8f1c1eb .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-8f1c1eb svg{height:50px!important;width:50px!important;min-width:50px!important;}#gspb_infoBox-id-gsbp-8f1c1eb svg,#gspb_infoBox-id-gsbp-8f1c1eb svg path{fill:var(--wp--preset--color--main,var(--rehub-main-color)) !important;}#gspb_infoBox-id-gsbp-8f1c1eb svg{margin:0px !important;}#gspb_infoBox-id-gsbp-8f1c1eb svg:hover,#gspb_infoBox-id-gsbp-8f1c1eb svg:hover path{fill:#25e8a1 !important;}#gspb_infoBox-id-gsbp-8f1c1eb .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-8f1c1eb .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea32b;}#gspb_infoBox-id-gsbp-8f1c1eb .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-8f1c1eb .gs-box{background-color:#f4b6d9;}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-8f1c1eb\" id=\"gspb_infoBox-id-gsbp-8f1c1eb\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><svg id=\"Calque_2\" style=\"width:5rem;height:5rem;margin:10px\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 62.63 93\">\n  <g id=\"Calque_2-2\" dataname=\"Calque_2\">    <g>\n      <path d=\"M31.31,26.97c-8.39,0-15.19,6.44-15.19,14.39s6.8,14.39,15.19,14.39,15.19-6.44,15.19-14.39-6.8-14.39-15.19-14.39ZM31.31,51.96c-6.18,0-11.19-4.74-11.19-10.6s5.01-10.6,11.19-10.6c2.9,0,5.54,1.06,7.53,2.78,1.23.39,2.12,1.43,2.26,2.69.89,1.52,1.4,3.27,1.4,5.13,0,5.85-5.01,10.6-11.19,10.6Z\"><\/path>\n      <path d=\"M41.1,36.24c-.13-1.26-1.03-2.3-2.26-2.69.9.77,1.66,1.68,2.26,2.69Z\"><\/path>\n      <path d=\"M34.42,36.55c0,1.76,1.5,3.18,3.36,3.18s3.36-1.42,3.36-3.18c0-.11-.02-.21-.03-.31-.59-1.01-1.36-1.92-2.26-2.69-.34-.11-.69-.18-1.07-.18-1.85,0-3.36,1.42-3.36,3.18Z\"><\/path>\n      <g>\n        <polygon points=\"6.27 .13 6.89 23.22 25.98 16.48 6.27 .13\"><\/polygon>\n        <polygon points=\"57.28 0 56.65 23.09 37.57 16.34 57.28 0\"><\/polygon>\n      <\/g>\n      <ellipse cx=\"31.31\" cy=\"41.37\" rx=\"18.95\" ry=\"17.96\" style=\"fill:none\"><\/ellipse>\n      <path d=\"M31.31,10.89C9.18,10.89,0,23.82,0,47.13s16.39,45.87,31.31,45.87c16.46,0,31.31-22.56,31.31-45.87S56.78,10.89,31.31,10.89ZM45,76.7c-1,.58-4.57,2.3-7.8,2.86-.54.09-1.21.18-2,.24l-4.78,5.45c-.08.09-.19.15-.31.17-.06,0-.11,0-.17,0-.18-.03-.33-.16-.39-.32l-2.15-6.11c-.13-.04-.26-.07-.4-.11l-5.64,3.58c-.1.07-.23.09-.35.08-.06,0-.11-.02-.17-.05-.16-.08-.27-.24-.28-.41l-.25-6.9c-4.64-3.98-6.39-9.26-5.82-9.66.61-.41,3.39,4.85,10.44,7.98,5.28,2.34,10.4,2.36,12.08,2.31,6.27-.17,11.1-2.4,11.39-1.82.29.58-2.95,2.44-3.41,2.71ZM31.31,59.32c-10.47,0-18.95-8.04-18.95-17.96s8.49-17.96,18.95-17.96,18.95,8.04,18.95,17.96-8.49,17.96-18.95,17.96Z\"><\/path>\n    <\/g>\n  <\/g>\n<\/svg><\/div><div class=\"gs-box-text\"><style>.gspb_text-id-gsbp-e44bf98{color:#000000;}.gspb_text-id-gsbp-e44bf98{padding-left:30px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-e44bf98\" class=\"gspb_text gspb_text-id-gsbp-e44bf98 \"><em>Ad oggi, nessuna di queste soluzioni soddisfa l&#8217;esigenza di un&#8217;infrastruttura bancaria orientata al retail e accessibile ad altri marchi o piattaforme. Con il suo ingresso nel settore della finanza integrata, Yapeal si muove in una nicchia che non \u00e8 ancora stata sfruttata appieno nel mercato svizzero. <\/em><\/div>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"ce-qu-on-peut-retenir\">Cose da ricordare<\/h3>\n\n<p><strong>Per i clienti individuali<\/strong>: non cambia nulla nel breve termine, ma la priorit\u00e0 data al B2B lascia qualche dubbio sulla redditivit\u00e0 a lungo termine dell&#8217;offerta.<br\/><strong>Per le aziende<\/strong>: Yapeal offre ora un&#8217;infrastruttura modulare e orientata all&#8217;utente, progettata per una rapida integrazione dei servizi finanziari.<\/p>\n\n<p>Questo riposizionamento segna una chiara svolta strategica. Resta da vedere se l&#8217;offerta incontrer\u00e0 la reale domanda delle aziende svizzere e cosa succeder\u00e0 ai clienti privati. <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"que-pensez-vous-de-yapeal\">Cosa ne pensi di Yapeal?<\/h2>\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<ul class=\"wp-block-list\">\n<li>Hai mai sentito parlare dell&#8217;applicazione Yapeal?<\/li>\n\n\n\n<li>Pensi che la nuova direzione strategica di Yapeal sia quella giusta?<\/li>\n\n\n\n<li><strong>Ti piace il <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">nuovo logo<\/mark> Yapeal?<\/strong><\/li>\n<\/ul>\n<\/blockquote>\n<style>#gspb_image-id-gsbp-284fe68{text-align:center;}#gspb_image-id-gsbp-284fe68 img{vertical-align:top;}#gspb_image-id-gsbp-284fe68 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-284fe68 img{width:300px;}#gspb_image-id-gsbp-284fe68,#gspb_image-id-gsbp-284fe68 img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-284fe68,#gspb_image-id-gsbp-284fe68 img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-284fe68,#gspb_image-id-gsbp-284fe68 img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-284fe68,#gspb_image-id-gsbp-284fe68 img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-284fe68\" id=\"gspb_image-id-gsbp-284fe68\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/Yapeal-new-logo.png\" data-src=\"\" alt=\"Nuovo logo Yapeal\" loading=\"lazy\" width=\"300px\" height=\"1024\"><\/div>\n\n<p><strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">Condividi la tua<\/mark> esperienza<\/strong> con tutti gli amici di Neo \ud83d\ude08<\/p>\n<style>#gspb_image-id-gsbp-0ba34eb{text-align:center;}#gspb_image-id-gsbp-0ba34eb img{vertical-align:top;}#gspb_image-id-gsbp-0ba34eb img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-0ba34eb img{border-top-left-radius:30px;border-top-right-radius:30px;border-bottom-right-radius:30px;border-bottom-left-radius:30px;}#gspb_image-id-gsbp-0ba34eb img{border-style:solid;border-width:18px;border-color:var(--wp--preset--color--vivid-green,#00d084);}#gspb_image-id-gsbp-0ba34eb img{width:custom;}#gspb_image-id-gsbp-0ba34eb,#gspb_image-id-gsbp-0ba34eb img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-0ba34eb,#gspb_image-id-gsbp-0ba34eb img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-0ba34eb,#gspb_image-id-gsbp-0ba34eb img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-0ba34eb,#gspb_image-id-gsbp-0ba34eb img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-0ba34eb\" id=\"gspb_image-id-gsbp-0ba34eb\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/11\/CTA-commentaires-IT-court-1.gif\" data-src=\"\" alt=\"Opinioni e commenti degli utenti\" loading=\"lazy\" height=\"249\"><\/div>\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yapeal diventa una fintech per le fintech La neo-banca svizzera Yapeal ha avviato una svolta strategica. Dal marzo 2025 opera come fornitore di infrastrutture bancarie con un&#8217;offerta B2B incentrata sull&#8217;integrazione di servizi bancari in prodotti\/servizi di terzi conformi alla FINMA. Yapeal abbandoner\u00e0 i privati? Ufficialmente no.I servizi per i clienti privati rimarranno disponibili e Yapeal [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":19815,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_gspb_post_css":"","_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[814],"tags":[],"dealstore":[],"offerexpiration":[],"class_list":["post-19912","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-notizie"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>BaaS - Cosa succeder\u00e0 a Yapeal da 2026?<\/title>\n<meta name=\"description\" content=\"Yapeal diventa un fornitore BaaS in Svizzera. 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