Avaloq

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Avaloq is a Swiss company that develops and provides the Avaloq Banking Suite software for core banking. Core banking includes information about customers, transactions and account balances. Banks have traditionally bought software for these purposes rather than developing it internally. More functions had to be added over the years as requirements changed, such as for online banking. The result has been very complex computer programs that can be difficult to manage. Coding changes for compliance with new regulations and for accommodating new products can be problematic. As a result, banks have tended to buy in modern comprehensive software from large, specialist firms. This may be run by the bank itself or by an agency running the computing service on behalf of the bank. Avaloq was founded in Zürich in 1985, under the name "BZ Informatik Aktiengesellschaft", functioning as the information technology subsidiary of BZ Bank. The founder is Francisco Fernandez.