23.06.2022

Milenia and credaris join forces to create a credit giant in Switzerland.

The merger of the two leading financing platforms in German-speaking and French-speaking Switzerland has been confirmed. What will change? Why is this good news?

 

United we stand, divided we fall

The merger 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.

This fusion of skills is anchored in a relationship of trust where experience takes precedence and where a shared desire to bring about positive change in the credit industry is clearly displayed.

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.

 

Let's take a step back

In the life of an entrepreneur, there are many challenges and many risks. 

However, there are some who overcome fears and doubts in order to bring an idea to life, in order to create a team whose members, together, reach heights often unsuspected at the beginning of the adventure.

Jérémie Monney is one of  them, the Milenia team is the one that climbs each summit, year after year since the launch of their financing platform, which has now become a reference in the credit sector.

However, there was nothing to suggest the dazzling success of this Swiss start-up. It must be said that credit sometimes gets a bad press, the market is crowded with brokers of all kinds and despite the experience of its founder, nothing was won, everything remained to be done.

 

So, what allowed Milenia to take flight?

4 words are enough to understand why thousands of people trust this company today:

Responsibility – Simplicity – Clarity – Quality

Not only are these the intrinsic values of Milenia, but they are at the heart of every approach undertaken to serve its customers.

A responsible approach by each member of the team towards their client; A benevolent attention that is concerned with its reality. 

Simplicity in the steps to be taken to carry out a personal project. 

Clarity in the actions taken and the conditions applied; Everything is transparent, well communicated, clear. 

Quality because this entire approach aims to offer a flawless, professional user experience based on a reliable network of partners.

 

The result?

This is unheard of for a new credit player. More than CHF 100,000,000 in loans granted in one year; more than CHF 300,000,000 since the launch.

Above all, a growing team and happy customers. Milenia is now the second largest financing platform in Switzerland. Pride!

The 1st is credaris. Well done!

 

A new chapter, a new adventure!

We were referring to unsuspected peaks. This one is about credaris. 

Its CEO, Marc Hallauer, has known Jérémie for 10 years. These two entrepreneurs also work together to take care of French-speaking customers.

Credaris is recognized for its high degree of professionalism and is the absolute leader in the credit industry. This is also a society that has undergone a spectacular evolution, to say the least.

Naturally, fate intervened. Today, Milenia and Credaris are united. 

A single team and a single goal: to put their common know-how at the service of their customers.

The services?

A personalized welcome to understand your needs and your project. 

Then, an in-depth analysis of your file, an assessment of your creditworthiness. 

This is followed by the search for a financing solution that best suits your reality by relying on our network of lending banks.

We take care of everything until the amount borrowed is paid into your account.

How much does it cost? Nothing. 

Both credaris and Milenia follow the relevant legal guidelines and apply strict ethical rules. There are therefore no expenses to be expected to take advantage of our expertise. Our remuneration comes from agreements with the banking partners with whom we collaborate.

In the end, your project is in the hands of experienced advisors who are committed to supporting you in your efforts. While ensuring that the risk of over-indebtedness is avoided, we offer you balanced financing that respects your ability to repay. It is a clear, simple, responsible and qualitative accompaniment.

 

Other benefits?

The list of benefits for you, our customers, is long:

Access to exclusive relationships with the country's largest  banking players.

A wider variety of services offered.

The combination of know-how and cultures makes it possible to personalize the customer experience even more.

The sharing of technological tools makes the process even simpler, even faster.

Better conditions and better rates.

 

The Adventure Continues

Milenia's fundamentals remain intact. The two players in this new group respect each other and recognize the specificities of each entity serving the well-being of the whole.

Milenia will therefore keep her name. Jérémie Monney remains CEO and, together with his team, will continue to develop its financing platform.

More than ever, Milenia remains French-speaking Swiss, remains based near Lausanne and will continue to serve its customers according to its charter of values.

The same applies to credaris, which remains in Zürich. 

Marc Hallauer becomes CEO of the new group and will work hand in hand with Jérémie to ensure the sustainability and development of the new structure. Credaris will focus in particular on a Swiss German clientele.

Behind the scenes, all employees will be able to benefit from the experience of their new colleagues, will be able to take advantage of new technological tools, and will benefit from new conditions that will allow them to serve their customers even better.

Above all, each member of the team will have the opportunity to learn, grow and evolve within this new structure.

This union is a real opportunity for all parties involved. 

The pages of the book Milenia will continue to be written, in all humility; New chapters will be born, but today, we are simply proud to share this new milestone with you.

We are proud and above all very grateful to you, our loyal customers, our partners and the team that has always believed in our project and has worked to reach these famous heights, some planned and others, unsuspected. 

Thank you, plain and simple.

 

 

 



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Since the Covid pandemic, companies have multiplied remote working methods. The most widely used is telecommuting. Two years later, has this method been successful?

 

Let's take a step back

During the lockdown, the world of work experienced a real shift.

Companies had to adapt and various means were put in place to ensure the continuity of services, sales, and the very functioning of the organization.

Do you remember?

The famous cardboard box filled with a computer, a mouse and a screen that the employees took home...

We somehow settled down somewhere in our apartment or our house.

The less fortunate had to sit on an old table at the back of their bedroom.

Children screamed in the background and parents had to juggle their work responsibilities with those of being a mother or father.

Ah... What wonderful memories!

In addition, the schedules became confused. There was no beginning and no end. We were already connected before, but now the workplace had invited itself into our home, into the family, into our home.

However, not everything had to be thrown away.

The doctor's appointment, the receipt of the Zalando package, the visit of the plumber... What required us to take time off or organize ourselves differently simply fit into his work schedule, on site.

Above all, no more time wasted on the road or on the train. We earned two hours of our living every day. That's no small feat...

We weren't the only ones. Hundreds of millions of people around the world, by obligation or freely, switched to this new way of working.

It was necessary to put in place state-of-the-art technological and IT infrastructures to enable more secure virtual exchanges of information via videoconferencing or e-mail.

It was necessary to set up a teleworking policy to give directives on working hours, the availability of employees and managers so as not to be too intrusive in private life.

Finally, regular reviews were required to assess the effectiveness of telework policies and gather feedback from employees.

The big winners? Zoom, Teams, Skype, Webex... It was a good time and the number of users exploded

 

Video conferencing platforms

In order to establish clear and effective communication channels, it is necessary to have instant messaging and video conferencing tools to maintain smooth communication between team members. This transition is being made by different players who bring specificities specific to each sector.

You may have seen that.

Some companies will use the Zoom platform, which allows simple video conferences with a discussion thread, which is easy to use and not very connected to other services.

Others will use Microsoft Teams or Webex, which offer more integrated and secure business solutions.

Skype and Google Meet round out the market leaders, at least in Europe.

 

And what about employers?

The main fear of some employers during this pandemic?

Decreased productivity.

The prevailing thought was that employees, less supervised than before, would work less given this new organizational freedom.

The endless breaks, the last-minute shopping, the Netflix binging...

We're not going to lie, the majority of teleworkers have taken advantage of this to better combine professional and personal needs.

There have been many productivity studies, too many to mention here.

In the end, productivity dropped slightly on average, but this varied enormously depending on the functions and responsibilities.

Profiles whose tasks were recurrent completed their work more quickly and, not needing to do more, to take advantage of the time available to go about their personal business.

Others worked even harder, especially early in the morning, late at night, or on weekends.

Where some managers suffered from a lack of supervision (monitoring?) of their teams; Some employees did not take well to the distance, the lack of clarity on the establishment of rules... All of them missed interpersonal relationships and this may have impacted the corporate culture and sense of well-being.

In conclusion, there is neither one statistic valid for everyone nor a representative feeling of all employers and employees. However, there is no doubt that the world of work has changed and the effects continue today.

 

Exactly. And today?

Companies are adapting to the demands of employees, especially young people entering the workforce.

They demand flexibility, adapted schedules and, yes, telecommuting.

In Switzerland, the job market is in favour of job applicants. Companies must therefore remain attractive and take these demands into account.

Companies are implementing hybrid work modes that allow the employee more time to work from home but require them to be present for a certain number of days in the office. Again, there is no single rule.

Some organizations simply refuse the principle of remote work.

Others impose a fixed day of attendance.

Some leave the choice to their teams.

One thing is for sure, remote work is here to stay, in one form or another.

More than controlling productivity, more than managing teams and workloads, the real challenge is to keep the links between employees, to ensure proximity between managers and their teams.

Finding a balance between the attractiveness of the employer brand, individual well-being and the needs of the company; This is where the effort must be directed for the future.

 

At work and at home, Milenia is always available

Accessing credit through our financing platform has never been easier.

Everything is within your reach, with customization according to your projects, we accompany you from start to finish so that your projects can see the light of day.

For your personal loan, we offer the best market conditions with 0 application fees. Everything is designed to make your life easier.

Your loan application can be done entirely remotely, with support from your personal advisor or both at the same time.

The flexibility, adaptability, personalization of your offer... All of this is embedded in our approach and services.

As the leading credit player in Switzerland, place your trust in us so that your personal dreams and projects come true.

 

 

 

 

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Loan illustration: loan of CHF 10'000. Effective annual interests rates between 4.9% and 11.95% over a 12 month period lead to total interests of between CHF 261.80 and CHF 624.80. Duration: 6-120 months; Maximum annual interest rate (including all loan handling costs) 11.95%. Loans approval are prohibited if they lead to excess debt for the consumer. (Art. 3 LCD)

 

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