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Project team


With its eight departments and over 12,000 students, the ZHAW Zurich University of Applied Sciences is one of the leading Swiss universities of applied sciences. It was founded in 2007 from the ZHW, the HSW, the HAP and the HSSAZ and is active in teaching, further education, research and services. In addition to training and further education, the ZHAW, as a university of applied sciences, has the task of conducting practice-oriented research, promoting technology transfer to small and medium-sized companies and providing services for third parties. The knowledge newly gained through research flows back into teaching and practice and thus benefits a specific group of users or society, either directly or indirectly.


Sandro Graf

Lecturer / Head of Service Lab & Swiss Payment Research Center

Swiss Payment Research Center (SPRC)

The Swiss Payment Research Center (SPRC) involved in the Swiss Payment Monitor is affiliated with the Institute for Marketing Management (IMM) as a separate competence center and examines branch-specific issues in a theoretically sound and practical manner. The knowledge gained from research is implemented on a project basis in cooperation with the financial industry, associations and other interest groups and is intended to support the actors in using and further developing means of payment in accordance with the needs of users.


Dr. Marcel Stadelmann

Senior Research Consultant, Project Leader SPRC


Dr. Nina Heim

Senior Research Consultant


As one of the leading business universities in Europe, the University of St.Gallen (HSG) trains managers. Founded in 1898 as a demand-oriented business academy, the HSG has been a prominent point of contact for ambitious people whose goal is to achieve something: personally and socially - in order to actively shape the future for over a hundred years.

The employees of the thirty institutes offer students qualified degrees in the fields of business administration, economics, law and social sciences as well as international relations. The good reputation of the University of St.Gallen is based both on the highest academic standards and on its long tradition as an excellent learning center for top executives. People from all over the world appreciate the high-quality courses - together, students, researchers, alumni and sponsors form one of the largest networks in the business world. The HSG regularly achieves top positions in international business school rankings and is currently in fourth place in the Financial Times ranking for European business schools.


Dr. Tobias Trütsch

Managing Director & Head Swiss Payment Behavior Lab,

Center for Financial Services Innovation (FSI-HSG)

Swiss Payment Behavior Lab (SPBL)

The Swiss Payment Behavior Lab is a research platform for researching payment behavior. It examines questions in the area of ​​payment and money economics, especially with a focus on innovative means of payment, cash and individual payment behavior. Together with partners from the academy and the financial industry, it provides new knowledge for theory and practice.

Business partner


Project partner

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