Acronyms, slogans and other barbaric terms contribute to a common thread that runs through our articles published this year. This common thread is protection.
Protect your data!
In 2022, we were eager to hear the news that an update to the HPA was going to be implemented.
Well... impatient, maybe not. But interested ? Still not?
And yet, this law now covers all your online transactions. Let's take a look back at what we announced:
Today, you can simulate your loan online, submit your file documents via your smartphone, sign electronically, and receive your funds right away.
All of your information is therefore transmitted via Wi-Fi waves, the Ethernet cable and then passed through computer servers. Your data is, so to speak, digital and must therefore be protected accordingly.
All companies in Switzerland will have to comply with the new law (new data protection law). Small or large, each company will have to take the necessary measures to comply with the articles that detail the legislation. From SMEs to multinationals.
The goal: to support the community's efforts to reduce attacks by cybercriminals; Unfortunately, attacks are becoming more and more frequent.
Protect your rights!
Speaking of laws... Are you familiar with the one on consumer credit? No?
It's because you're not paying enough attention to the articles on our blog!
That's okay, here's a quick reminder of what you can do if you buy back your loan:
The Federal Consumer Credit Act gives you the right to redeem your loan at any time, to consolidate your loans into a single loan or to choose another financial institution that would take over your credit; possibly under better conditions.
The financial sector very often locks in contractual agreements, but as long as it is a consumer loan, you are free to take whatever actions you think are in your best interest. No time limit or specific reason to provide.
Protect yourself!
Covid!
Is it too much? Tired of hearing about it? We get it.
Our article of the moment looked at our shopping habits, habits evolving towards digital and home delivery. Flashback to the conclusion of our article on this topic:
The pandemic will end one day, we will all return to in-person activities, but abandoning our delivered pizza while watching Netflix while selecting the next purchase on IKEA.ch is not for tomorrow.
For better or for worse.
So, it would be unwise to talk about the end of the pandemic, but a return to normalcy has indeed taken place. We're now going back to restaurants, movies and gyms. However, streaming and online shopping remain well-established habits. Telecommuting, on the other hand, has not completely survived. But that's another topic worthy of an article in 2023!
Protect fathers!
This is an exaggeration. We were referring to the new paternity rights. Remember:
The Federal Act on Compensation for Loss of Earnings was amended accordingly at the beginning of 2021. If you're going to become a dad in the next few days or weeks, you're concerned.
Since the beginning of this year, some insurers have been offering additional cover that not only extends your paternity leave to 4 weeks but also allows you to have compensation equivalent to 100% of your salary.
The rights are also applicable in the case of adoption and the coverage for parents who have to care for a seriously ill child has also been improved. That's the least we can do.
Milenia is first and foremost a human story. No matter how much credit we make, we mostly like to talk about people and when it comes to the human experience, becoming a parent is close to the zenith. You are now informed of your rights.
Protect yourself from fraud!
Not everyone is as benevolent as the Milia team. We have to ask our customers to be careful because criminals are on the prowl.
Let's go fishing!
You've probably heard of phishing. Scammers are weaving a vast digital net to retrieve as much confidential information as possible.
How?
You simply receive an email inviting you to click on a link that you think is interesting. The sender makes you a tempting offer, the opportunity is great and after all, you are not going to miss an opportunity to take advantage of it?
However, the link you click allows malware to be dropped.
Your accounts are hacked, your passwords are discovered, and within a few hours, your credit card, identity, and accounts are accessed.
Scammers are now going a step further and rather than betting on a mass effect, they are targeting their victims. Business mail, personal data used, direct phone calls, pretending to be your bank or state... Everything is done to appear credible, serious and reliable.
This is called spearphishing. One in four companies is confronted with it.
Yes, we know; It breaks the mood a bit. But it's better to be warned.
Let's protect the right to individuality!
2022 was also an emotional year.
At Milenia, our philosophy is inclusive because we know that diversity, the sum of a set of individuals, is a key element for the success of the company and the fulfillment of its members.
In this spirit, we encourage expression and we try, as far as we can, to act to highlight the challenges sometimes encountered by the team.
We handed the microphone to Dominique, one of our business experts who is also hard of hearing. His advice:
I would advise, whatever your disability, to get information from the various associations. This is important because they can provide support and solutions.
You should also contact the IV and your advisor. They listen to you and it's important to express how you feel!
A word of advice for hearing people. I suggest that you put on the hearing aid of someone you know who is hard of hearing. You will have a better understanding of some of the effects.
Finally, I really want to raise awareness because behind our smile... There are a multitude of difficulties that we don't see because it's a disability that is invisible. The empathy, support and generosity that I have been fortunate enough to receive are essential.
Retraining is possible. With the right efforts, the right technology and a supportive environment, it is possible to flourish and (re)find your place and your added value!
Thank you Dom! Glad to have you with us on this adventure!
And finally, a birth.
How can we not look back at the creation of the largest Swiss credit player in 2022 ? When we say there is strength in numbers, that is precisely what we are talking about.
A quick reminder of this historic merger of the sector:
The merge of credaris and Milenia will result in a range of offerings and solutions that is unrivalled in Switzerland.
The core of the strategy of this new entity will remain intimately linked to a desire to achieve excellence in the services provided.
Anyone in Switzerland, whatever their language, wherever they live, whatever their needs, will be able to count on personalized support and a truly tailor-made solution.
Personal loans, offers for SMEs, insurance, credit cards... all offered at the best conditions, at the best rates, based on partnerships, some of which are exclusive, with the largest banks in Switzerland.
2022 is slowly coming to an end. It was the year of the possible blackout, the post-Covid Black Friday, the rise in interest rates, the cost of energy... It was also the year when people believed in the Nati and when a certain tennis GOAT bowed out.
The best of the Blog is not necessarily the best in news, but the whole Milenia team remains more than ever at your side to support you in your personal achievements.
As we said before, people are at the centre of our concerns. The world may change around us, but this approach, centred on your needs, will remain unchanged.
Thank you for your trust, thank you for your loyalty and see you in 2023 for a new year undoubtedly full of twists and turns!
