Artificial intelligence

With the use of artificial intelligence (AI) on the rise, Switzerland's approach is to promote innovation while also limiting the risks.

In dealing with AI in the financial sector, Switzerland operates on the principle that the use of AI can bring about significant improvements in efficiency and quality and should therefore be permitted, while at the same time any risks arising from AI use must be identified and addressed.

• Federal projects

  Rules for AI use (2026)
  The Federal Council has instructed the administration to draw up a comprehensive overview of possible regulatory approaches in the field of AI in Switzerland, taking international developments into account. Responsibility for reviewing the legal aspects lies with the Federal Department of Justice and Police (FDJP). The Federal Council has instructed the FDJP to prepare a consultation draft for new rules for AI use by the end of 2026.
  Artificial intelligence (FOJ)

  SIF AI report (2025)
  SIF is conducting a comprehensive analysis of all financial market regulations with regard to gaps and obstacles for AI use in the financial market. The report is expected to be published in Q4 2025 or Q1 2026.

• Selected initiatives in the fintech ecosystem

  FINMA guidance on AI risks (2024)
  FINMA guidance published in December 2024 lists possible risks (bias, data protection, IT security), as well as expectations regarding risk management.
  Relevance: FINMA underscores the fact that innovation also requires a sense of proportion. The clear communication of expectations will safeguard the reputation of the financial centre and seeks to ensure that AI is used responsibly.

  Regulatory AI expertise (2022)
  The relevant authorities are building internal know-how and analytical capabilities to monitor AI systems. FINMA has set up a dedicated AI Desk to monitor AI systems and review cross-sector AI regulations. The Federal Council is also addressing AI regulation in general (November 2023 decision to examine cross-sector AI regulation).
  Relevance: Such expert knowledge ensures that regulators keep their finger on the pulse of technological developments. Switzerland is one of the first jurisdictions to systematically analyse the use of AI in financial services.

  ETH Zurich AI Center (since 2020)
  Research and transfer initiative for artificial intelligence with applications in the financial sector, among others. Research partnerships with banks (e.g. Julius Baer, VP Bank) for applied AI solutions.
  Relevance: This collaboration between academia and industry promotes innovative, “Swiss-made” AI solutions. At the same time, the Center helps to train up AI specialists, who will benefit the financial centre. As a world-class tech university, ETH is consolidating Switzerland's position in AI research through its AI Center initiative.