We are experts in financial and risk management.

Attracted by simplicity and transparency, we advise financial institutions as a partner with the aim to create new perspectives to decision makers. 

We are 1umova.

lumova-logo blau trans.png

Finding the right path through new perspectives

Our news.


Perspectives and knowledge exchange trigger next steps.


We provide you with insights and relevant news on a regular basis helping you to re-focus your priorities and getting a step ahead. Again, we go beyond the minimum requirement. 

Top-down perspectiv.png

New Year.

December 2021 /January 2022

Donation to Petite Suisse.

We wish you and your family a healthy and successful new year. 

Instead of cards, we donated to Petite Suisse to make wishes come true for children in Switzerland.

For further information, please visit

CAS Financial Management.png


June 2021

CAS Financial Management - Lecture by 1umova.

In June 2021, Sebastian will give lectures on strategic risk management approaches as part of the CAS Financial Management at University of Applied Science in Zurich (FHNW). It will be a 2-days course.

Variable Darlehen.png


Banking - 08/2021

Floating loans with Caps and Floors.

Making the differences in low interest rate times is more important than ever. The Mini-Max-Floater may be a product for your customers to create a win-win-situation. 
German only

Perspectives Insurance 09.png


Insurance - 09/2020

Capital management and valuation standards.

The amount of capital largely depends on the way assets and liabilities are valued. The article provides some key aspects and also looks into IFRS 17 evaluating whether it is "the right capital" as the basis for capital management.

CAS Treausry.png


August 2021

CAS Corporate Treasury- Lecture by 1umova.

From August 2021, the Corporate Treasury CAS will start again. Focus areas are Cash Management and Financial Risk Management techniques with a lot of case studies strengthening the understanding. Take a look.

Perspectives Banking.png


Banking - 08/2020

Transfer pricing in a negative rates environment.

The negative interest rate envirionments triggers additional questions on how products should be valued in banking. The article provides answers to some questions Sales and Treasury may have.                German only


Our focus.

Zahlreiche Banken

Implementierung eines ökonomischen Modells zur barwertigen Bewertung von Versicherungsverträgen.

IFRS 17 implementation


Focus Insurance: 


IFRS 17 is ahed - and we have gained the experience to design processes, specify the valuation logic and prototype the calculation steps incl. risk adjustment and CSM. Our approach involves Finance & Actuaries from the beginning ensuring compliance and simplicity.



Focus Banking: 


In a low interest rate environment, ALM is even more challenging. Given our experience, we support banks in modelling (non-maturing) products, establishing risk measures like CondVaR and introduce target duration concepts for sustainable performance measurement.




Focus Insurance: 


Valuation of individual insurance contracts requires the consideration of various direct and indirect costs. Processes but also valuation techniques need to be established to account for profitable business. Our experience supports you in the process and valuation logic end-to-end.


Universität & Hochschule

lumova-logo transparent.png

Our roles.

Expertise, passion and experience will deliver. 

We support our clients in all areas of a typical project cycle: from analyses, on the conceptual design to the implementation and the roll-out. Our team assumes responsibility as business analysts, project managers, testers - and if needed - temporarily supports BAU processes.



Our experience confirms that new agile project methods overcome the traditional waterfall approaches. We ensure an appropriate set-up and implementation.

Business analysis

Identifying requirements, designing the business processes, specifying the business logic for IT as well as executing testing are our daily business and will ensure fast deliveries.

Project management

The success of a project depends on the set-up and the daily execution. Given our experience, we can act as the (Co-) project manager to ensure a timely delivery

Coaching & reviews

Independent reviews of the current status, set-up and the daily operations of a project can help to identify enhancements. We coach and analyse your project.


Contact us.

You want more information? Or you are interested in a non-binding exchange of views? 


Please call us or send us an email to