Past

Start with why

Intergiro was conceived in 2017 to help new internet business models thrive. The founding team and their network were a group of creative and rebellious misfits. The kind that never had a ‘normal’ job, true entrepreneurs.

Bustling with product and business ideas, and supercharged by the exciting opportunities that the internet revolution was revealing, they wanted to solve problems and build new things.

IoT, crypto, platform, and all kinds of computational business models were dreamt up and prototyped. Some of the ideas were crazy, some were flops, some were brilliant and some listed for hundreds of millions of Euros.

But technological and cultural clashes with banks meant that many of these ideas were stopped dead in their tracks. So we hatched an ambitious plan to build our own digital business banking system.

That ambitious plan we now call Intergiro, and its a purpose built cloud financial toolkit for innovators, creatives and change-makers to build, adapt and thrive in this digital age.

Present

Online banking, built for modern businesses

We know how hard running a business can be. That's why we decided to make your business life easier and reduced the costs of business banking for our customers by:

Removing all frictions businesses may encounter when opening a business account. With our digital solutions, we have automated many processes to ensure smoother and faster onboarding.

Providing financial services to the "underbanked" and bringing them onto the financial grid. Your Intergiro account opens a gateway to endless business opportunities. 

Offering bespoke packages to those who are unsure of their business requirements. We are well aware that different stages or developments and different types of companies don’t have the same needs. Our clients choose the package that's right for them and their budget. And they can always upgrade or downgrade their plan at any time.

Re-bundling the entire financial toolkit so we can offer a one-stop-shop. Our customers have access to multi-currency accounts, card issuing and card acquiring solutions across Europe. All in all, we are trying to make banking more technically advanced.

Future

Tomorrow's World

My name is Dietmar and I am an entrepreneur in the year 2030. I’m writing to you from the future via a quantum field manipulation technique that has not been invented yet.

I run a fleet of autonomous taxis in Zurich, through a business called Fast Cabs. A lot has changed in the last decade, so I hope what you are about to read helps you understand the financial systems that are required to facilitate the businesses of tomorrow.

I incorporated the business entirely on a Swiss government issued blockchain. My partners and I hold shares in the form of smart contracts, with built in voting rights and share issuance functionality. All shares on the Swiss stock market are now smart contracts. The only distinguishing factor making a company public (or not) is a Boolean database field called ‘PUBLIC_TRADABLE’.

We are keeping ours to ‘FALSE’ for now. It’s not that we are worried about the extra paperwork, in fact there is no paperwork in 2030, now that all our transactions are automatically classified by our bank’s AI and booked via API into the correct accounting fields.

Bank to the future

What might the finance institutions of the future look like?

Future gazing might seem like a fairly reliable way to make yourself look stupid. From Irving Fisher’s stock predictions to the record executive who claimed ‘The Beatles have no future in show business’, history is full of bad predictions.

The future is shaped by ‘Black Swans’ that are impossible to see beforehand, retrospectively explainable, and of huge consequence.

Fundamental changes may well be near impossible to predict, however we believe that there are patterns and trend lines that can be followed up a logical path to give us clues, particularly in the business context. To imagine Tomorrow’s World we followed these simple trend lines:

• Companies always try to create value
• They try to remove friction for customers
• They build on existing foundations and ideas
• This creates a fast, complex network economy
• Trust is a key design feature in this economy