Manuel Zollikofer, CEO of CRIF AG, presented the latest figures on payment behaviors in Switzerland and updated the audience on CRIF worldwide activities. Cornelia Marti of PostFinance and Antonio Zullino of Migros Bank spoke about the automatic solvency check and monitoring service that CRIF implemented for their application check explaining key benefits and positive impacts on their business. The keynote speech was delivered by Beat Kappeler, an expert economist and journalist, who analyzed the current scenario and highlighted the new opportunities and risks of the Swiss economy.