BCVs Innovation Challenge

The jury decided to split the prize in between two teams. Congratulations to:


and their PROACT project to anticipate customer expectations in a targeted way through a holistic and systemic approach to data

2nd SolveHR Team

and their project to match job descriptions (and selection criteria) to people's CVs with a flexible AI-based model
SolveHr Team



The Banque Cantonale du Valais is offering a special Innovation Challenge with a prize money of 5,500 CHF.


For its 2022 edition, ICC partnered with the BCVs. The bank is strongly interested by Artificial Intelligence.
Therefore, the BCVs is looking for teams motivated to work on one of the 3 following challenges:

  1. Smart savings and smart spending
  2. The HR assistant to manage the evolution of skills towards the bank of tomorrow and internal mobility
  3. Targeted anticipation of customer expectations through a holistic and systemic approach to data



ICC gives a special twist to its 2022 edition with BCVs providing 3 optional challenges

Idiap will guide and coach ICC teams all along the process bringing expertise and experience for more relevant and effective results while leaving space to imagination and innovation.

Qualifying projects will focus on one of the 3 challenges.
Detailed descriptions are given below. For any questions, please contact: contact@createchallenge.org.


Challenge 1: Smart savings and smart spending

BCVs wants to offer a new tool to its customers in order for them to save money by comparing the expenses and investments with other customers with similar income.

The bank has millions of annual entries. In these millions of records, we would like to detect customer income in order to determine income profiles and assign our customers to these profiles. We could then compare expenses and investments by profile in order to be able to propose improvements to customers. For example by proposing categorizations of expenses (food, leisure, etc.) and savings (provident, free savings, types of assets more conservative or risky).


Challenge 2: The HR assistant to manage the evolution of skills towards the bank of tomorrow and internal mobility

The professions of tomorrow will require very specific and new skills. To identify the current skills available at the BCVS as well as to identify the skills to be developed to meet the demands of future jobs, we need an intelligent tool that can create a skills repository and assess the "gap" between what we have and what we will need. This tool will also allow us to identify the skills available for internal mobility as well as for contributing to different projects. Concerning internal mobility, it is a question of refilling positions internally with employees internal to the bank. The tool could define the ideal candidate according to the open position and if no correspondence, it could even "source" the external sources like social networks, job boards, etc.

Our challenges:

  • The evolution of skills towards the professions of tomorrow
  • Management of internal mobility
  • Identification of external talents
  • Provisional management of resources

Develop a mind map tool of the skills of internal resources that later assesses the "gap" between what we have and what we would like to have in the future. The tool would also be able to identify the best internal profiles according to open advertisements/jobs. Ideally, if no internal candidate matches, the tool can "source" the external, social networks or other.


Challenge 3: Targeted anticipation of customer expectations through a holistic and systemic approach to data

The expectations of private clients evolve according to their life cycle but also according to exogenous events such as the evolution of the global economic situation, the euphoria or the ambient pessimism, fashion effects, circles of friends and influences, the image of the establishment and the level of trust it exudes, individual concerns, etc., as well as various weak signals that have yet to be identified.

The automated collection and analysis of this data, both internal and external, should allow us to better understand the individual behavior of our private customers. In doing so, we will then be able to better anticipate their expectations in a targeted manner with regard to the proposals to be made regarding our various credit and investment solutions.

Generally speaking, in a mature and highly competitive Swiss banking market, a private client generally prefers the bank that understands them best and most quickly. Their decision to develop their private business with one banking establishment rather than another is made both from a rational and an emotional point of view, while being based on their own situation and on the general situation prevailing at the time of their decision.

Consequently, relying solely on internal bank data is in our opinion insufficient to capture the full potential of a client in time, especially since they generally inform themselves beforehand even before having approached their expectations with their bank advisor.

Given this complexity, the challenge to be met is to anticipate the expectations of our customers in order to ensure their loyalty and the resulting profitability in the long term. To do so, both our internal data and various external data must be collected and analyzed in order to suggest the appropriate customer actions, at the right times, in the right quantity and quality. In any case, in order to guarantee efficient management, the process must be automated as much as possible and its ability to last must be demonstrated over time.

Once this challenge has been met, our banking advisers will thus be further supported in their daily activities thanks to the suggestions for action proposed by the tool to be developed. Customer satisfaction will be increased, as will the profitability of the bank thanks to a more efficient approach to its customers.




For more than 100 years, BCVs has been helping the people of Valais to manage their finances and assets, while contributing to the harmonious development of the economy.

They offer the services of a universal, close and modern bank, mainly on the Valais market or in connection with the canton.

As one of the most efficient banks in Switzerland, they rely on a large network of points of sale and a wide range of digital services to offer their clients retail banking, wealth management and corporate banking services.