Financial software delivery and consulting

Built for financial-grade trust and compliance
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Engineering that carries weight

G+D Netcetera delivers software and consulting for European banks, payment service providers, and insurers. We build the authentication platforms, banking systems, and payment infrastructure that millions of people rely on every day.

In financial services, every engineering decision carries security, compliance, and operational consequences. For more than 30 years, we have built the expertise to deliver at that level – moving fast without compromising on the standards that matter.

G+D Netcetera as a trusted partner

G+D Netcetera is a European financial software company headquartered in Zurich, Switzerland. Founded in 1996 and part of the Giesecke+Devrient Group since 2020, the company employs more than 900 engineers and specialists across 11 countries.

G+D Netcetera develops software for European banks, payment service providers, insurers, and pension providers. Its core capabilities include:

  • AI-powered software delivery and legacy modernization

  • Custom banking and payment platforms

  • Security engineering for PCI-DSS, DORA, and eIDAS 2.0

  • Cloud-native delivery for regulated environments

  • Financial technology consulting

 

Core capabilities include digital banking, 3-D Secure authentication, fraud prevention, digital identity, processing, AI-powered software delivery, and cloud-native financial platforms.


AI-powered software delivery for financial institutions

Faster delivery cycles. Smarter legacy modernization. The same security standards throughout.

AI is changing how financial software is built and modernized. It is accelerating legacy system analysis, reshaping engineering workflows, and automating large parts of testing and documentation. We apply AI across the software delivery lifecycle, grounded in nearly a decade of experience with AI in regulated industries and supported by our own research into how AI is transforming engineering teams. For European banks operating decades-old core systems, this is one of the most important technology shifts happening today.

 

Explore AI-powered software delivery  

Financial software engineering capabilities

FAQs

What financial software services does G+D Netcetera provide?

G+D Netcetera provides AI-powered software delivery, legacy banking modernization, individual financial software solution development, security engineering, cloud-native delivery, and financial technology consulting.

How long has G+D Netcetera been delivering financial software?

G+D Netcetera was founded in Zurich in 1996 and has delivered software for financial institutions for nearly 30 years. Since 2020, it has operated as the Trusted Software division of Giesecke+Devrient, the global security technology group founded in 1852.

What makes G+D Netcetera different from a general software consultancy for financial services?

G+D Netcetera develops and operates its own banking, payment, processing and digital identity software used by financial institutions in production environments across Europe.

Clients can extend these proven platforms or commission fully individual software builds, reducing delivery risk and accelerating implementation timelines. Security engineering and regulatory compliance, including PCI-DSS, DORA, and eIDAS 2.0, are integrated into every engagement from the start.

Which European financial institutions does G+D Netcetera work with?

Clients include PostFinance, SIX, Valiant Bank, Cler/ZAK Bank, AKB, Global Payments Europe, and STET, among others.

The company’s 3DS issuing service protects more than 400 million payment cards across over 1,200 issuing banks worldwide.

Does G+D Netcetera work with financial institutions outside Switzerland?

Yes. The company works with banks, payment providers, insurers, and pension providers across Europe.

How does G+D Netcetera use AI in software delivery?

G+D Netcetera applies AI across the software delivery lifecycle, including legacy code analysis, automated migration support, test generation, and documentation.

Its AI Centre of Excellence, established in 2024, focuses on AI applications for financial software modernization and development in regulated environments. All AI-supported delivery follows the same security and compliance standards as the production systems being built or modernized.

What does the software delivery process include?

Our software delivery process covers the full engagement lifecycle: scoping and business case definition, technical architecture and security design, incremental development with AI-assisted engineering, launch coordination with core systems and operational teams, KPI measurement against the original business case, and long-term evolution as regulations and markets shift.

What is an example of custom software for financial institutions?

One example is an end-to-end financial planning platform we built for a leading wealth manager. The platform consists of five integrated components covering 360° client profiling, investment strategy, financial planning, retirement planning, and handover documentation.

It runs in three European and two international markets, managing over two million client accounts.

How much does financial software development cost?

Cost depends on scope, integration complexity, regulatory requirements, and delivery model. Platform extension engagements are generally lower cost than fully greenfield builds because they build on production-proven foundations. 

Larger multi-year modernization programs and greenfield financial platforms typically involve higher investment, structured across multiple phases so that value is delivered incrementally.

How is financial software security ensured?

Security is designed into the architecture from the first decision. Every engagement includes threat modelling, security-by-design reviews, and penetration testing as standard phases of delivery.

Depending on the system and deployment model, engagements meet PCI-DSS, DORA operational resilience requirements, eIDAS 2.0, GDPR and Swiss data protection standards, and European data residency requirements.

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