TKB & OKB: Managing Digital Accounts in Thurgau and Obwalden

The Swiss Cantonal banking system is defined by its ability to offer high-tech financial tools while maintaining a deep, personal connection to its home regions. For businesses in Eastern and Central Switzerland, Thurgauer Kantonalbank (TKB) and Obwaldner Kantonalbank (OKB) exemplify this balance. Their digital platforms—OLIVIA by TKB and the OKB E-Banking suite—provide corporate clients with a robust, "Swiss-made" environment for managing liquidity, international trade, and automated accounting.

TKB: The OLIVIA Ecosystem

Thurgauer Kantonalbank has rebranded its digital experience under the OLIVIA name, positioning it as a modern, intuitive financial assistant rather than a traditional banking portal.

• OLIVIA Business E-Banking: Designed for professional investors and SMEs, it offers end-to-end digitization of financial processes.
• OLIVIA Key App: Security is handled by a dedicated "Key" app, which uses CrontoSign technology. This ensures that even if a desktop is compromised, high-value payments require an independent, optical confirmation from the user’s smartphone.
• EBICS as a Service: In partnership with Swisscom, TKB offers EBICS (Electronic Banking Internet Communication Standard). This is a game-changer for asset managers and large firms, allowing for the fully automated, standardized transmission of high-volume payment data and electronic documents.

OKB: Regional Stability, Digital Efficiency

Obwaldner Kantonalbank provides a highly focused e-banking environment that prioritizes speed and security. The OKB Mobile Banking app serves as the primary tool for the modern Obwalden-based entrepreneur, offering nearly 100% of the web portal’s functionality.

Core functions for OKB clients include:

1. Scanner Integration: Record payments or account transfers in seconds using the mobile camera to capture QR-bill data.
2. Secure Delivery Channel: A dedicated, encrypted messaging system that allows business owners to send sensitive financial documents directly to their OKB advisor without the risks of standard email.
3. Real-Time Push Notifications: Stay informed of every account movement, ensuring immediate awareness of inbound customer payments or outgoing withdrawals.

The Swiss Payment Standard: QR-Bills and eBill

Both TKB and OKB have fully integrated the Swiss QR-bill and eBill ecosystems, significantly reducing the administrative burden on accounting departments.

• Automation: By scanning the Swiss QR code, all payment-relevant information (amount, IBAN, reference number) is captured automatically, eliminating manual entry errors.
• eBill Excellence: Both banks allow businesses to receive digital invoices directly in their e-banking. With one click, the payment is authorized, and the digital document is stored for future reference.

Seamless ERP Connectivity

For Swiss SMEs, the true power of these cantonal portals lies in their integration with modern accounting software. Through the bLink interface and other API standards, TKB and OKB provide direct data feeds to:

• Bexio & Abacus: Automatic reconciliation of bank statements.
• Klara & Sage: Direct transmission of payment orders from the accounting software to the bank for authorization.

Comparison of Access & Security

Conclusion

TKB and OKB demonstrate that regional banking can be a leader in digital innovation. Whether it is through the sophisticated OLIVIA ecosystem in Thurgau or the streamlined, secure mobile tools in Obwalden, these banks provide the specialized infrastructure that Swiss businesses need to stay competitive in an increasingly digital world.