MBA FH in Digital Finance / CAS FH in Digital Finance

Digitalisation is changing the world of finance and banking as well as of all industries in general. This joint degree between Kalaidos University of Applied Sciences and Saint-Petersburg State University of Economics (UNECON) provides the core instruments to successfully cope with these changes and to build up a successful career in the world of digital finance in their respective home countries of the students.

Digitalization is changing the business models of all financial intermediaries based on the changing needs of customers and the new technological possibilities. From the customer interface with the relevant touchpoints to product design, this will affect all areas of value creation in the front, back and middle office. The „MBA FH in Digital Finance“ provides the necessary skills and knowledge to successfully implement digitalization strategies and projects in a sustainable manner. An interdisciplinary group of professionals from banks, insurance companies, fintech and IT companies with experience in digital finance and change management provides the foundations for new success models, best practices and transformation know-how for the sustainable successful implementation of the digital transformation.

Advantages for Students

  • Two degrees possible – a Master in their respective home country and a MBA in Switzerland
  • 100% employment possible
  • Speakers with practical experience in banking, digitalization and communication
  • Small class size and individual care

Program Directors

Prof. Dr. Tatjana Nikitina, PhD

Prof. Dr. Tatjana Nikitina

Professor of the Department of Banking, Financial Markets and Insurance of UNECON. Director of International center for financial markets research, Director of Russian-German center of UNECON, scientific advisor of master program “Banks and Assets management”. Scholar of DAAD and the Alexander von Humboldt Foundation. President of Association of Alumni of the Federal Chancellor program in Russian Federation (Alexander von Humboldt Foundation), Co-author of books on banking, insurance, financial markets and financial and credit institutions. Research interests: financial risk management, portfolio investment, financial and credit institutions. Tatjana Nikitina is a Guest Lecturer at Goethe Univerität, Frankfurt (Germany), Friedrich Alexander Universität Nürnberg – Erlangen (Germany), Kalaidos University, Zurich (Switzerland).
Languages: Russian, German, English


Prof. Dr. Bernhard Koye, PhD

Prof. Dr. Bernhard Koye

Professor for Financial Intermediation and Director of the Swiss Institute for Financial Training at Kalaidos University. His PhD was one of the first publications on the effects of digitalization on Business Models in the 21st century. Co-author of various books and research papers on the consequences of Information age on different aspects of Financial Intermediation and business models in the Finance Industry. is a pioneer in analyzing the impact of digitalization on business models in the financial industry. His dissertation was u.a. recommended by the NZZ. Research at the Swiss Institute for Financial Education (SIF) at Kalaidos University, which he leads, examines practically relevant aspects of the future viability of banks. His practical experience includes u.a. Experience as Key Position Holder of a major bank in the area of Market Strategy & Development (Strategy, Design Thinking), as Strategy and Transformation Consultant, etc. on major projects with listed companies, as a management coach, as a coach in top-class sport and not least as a client advisor to a bank at the beginning of his professional career. Bernhard Koye is a Guest Lecturer at Saint Petersburg State University of Economics (Russia) and University of Zurich (Switzerland).

Acquire know-how in the following core areas: you know and understand ...

  • the basics of digital transformation from the business model definition to the derivation of the adequate strategy, structure and culture for successful implementation in practice
  • the main technology trends such as blockchain and their implications for the strategies of digitization-capable business models of Financial Intermediation
  • the possibilities to innovate with the involvement of customers (eg design thinking, prototyping, walk-in labs)
  • the relevant digital developments at the customer interface (e.g., omnichanneling, digital onboarding, robo advisory, app design, new forms of customer segmentation)
  • the digital optimization potential in the middle and back office
  • the levers to successfully implement change over the long term, including the necessary cultural and HR aspects
  • Examples of exciting fintech, innovation labs and various banks with different digitalization profiles

Methodology and place of study

30% of the study time takes place in the form of classroom instruction . The remaining 70% consist of individual practical projects, group work and self-study. The on-site events will be held at UNECON in St. Petersburg and on the campus of the Kalaidos University in Zurich. The participants are invited to process preparation and transfer orders. By integrating face-to-face lessons with self-study, written work and individual practice projects, it is possible to experience a sustainable transfer of knowledge and, at the same time, to put what you have learned into practice from the beginning of the study.


Program is realised in frames of cooperation between Kalaidos University of Applied Sciences (Swiss Institute for Financial Education, Director Prof. Dr. Bernhard Koye) and Saint-Petersburg State University of Economics (International Centre for Financial Markets Research, Director Prof. Dr. Tatyana Nikitina).

Facts and Figures

Awarding degree Master Degree, UNECON, St. Petersburg, Russia and MBA FH in Digital Finance, Kalaidos University of Applied Sciences, Switzerland
Legal status Kalaidos University of Applied Sciences is the first private University officially accredited by the Swiss Federal Council as one of only eight Universities of Applied Sciences in Switzerland. Among the clients of Kalaidos University’s programs for financial-credit institutes digital transformation there are such a successful Swiss banks as for example Migrosbank, who cooperated with University in 2016 and got the brilliant results of this work.
The St. Petersburg State University of Economics (UNECON) is one of the biggest and most popular universities in Russia. University consists of three Institutes: Institute of Economic, Institute of Management and Institute of Tourism and Service.13,907 students, more than 600 postgraduate and doctoral students, 928 foreign students are learning in this university now. More than 1'100 professors work there. Among the Economic Institute’s alumni are – CEO of Gazprom Alexey Miller, the prime-minister of Armenia Tigran Sarkisyan, president of the St. Petersburg Branch of the Russian Central Bank Nadezhda Savinskaya, director of Gazprombank Olga Dragomiretskaya and many others.
Profession 100% possible in Home Country
Start Once a year
Duration 4 Semesters
Presence Time in Switzerland: ca 20 days
Language English
Semester fees

CAS FH: 9‘200 CHF
MBA FH: 32‘400 CHF