Innovation
In 1994, HBZ began its technology innovation journey led by Reza S. Habib. The objective was to replace multiple localised systems and integrate diverse retail and commercial banking operations, whilst complying with the multi-regulatory environment the bank operates in.


Empowering Banking Excellence through Technological Innovation
Habib Bank AG Zurich (HBZ) believes in fostering a symbiotic relationship with our clients. As our clients grow and face new challenges, their financing needs increase, and we strive to offer streamlined banking processes that simplify their banking experience. With a strong focus on highly personalized service and direct access to decision-makers, HBZ provides rapid decision-making capabilities and flexible solutions tailored to your needs.
We offer a wide range of Accounts, Financing, Trade Finance, Payment, and Collections solutions designed to enhance working capital efficiency through effective receivables management and payables process engineering. HBZ is committed to providing the right solutions to support your financial objectives.
Experience seamless management and monitoring of your business transactions round the clock through our secure eBanking platform: HBZweb, HBZgsm (SMS alerts), HBZtel & HBZfax.
Our Technological Accomplishments
Awards/Case Studies
We take pride in providing a specialized range of banking products tailored to meet the needs of our customers. Our knowledgeable, experienced, and professional staff are committed to delivering personal, friendly, efficient, and secure service.
We have received recognition and accolades for our innovative solutions:


Computer World
HBZ incubated hPlus from 1992 to 1994 to replace multiple localized systems and integrate diverse

Sun Microsystems
BiLOGic Systems Inc.’s hPlus, wholly designed and implemented in Java, offers platform independence and facilitates

SYBASE® Success Story
Habib Bank AG Zurich developed hPlus, the world’s first Java banking system using Sybase ASE.

Intel Solutions
We aimed to enable customers to transact via the Internet and WAP/GPRS-enabled devices, such as

Secure Online Forex Platform
Now you are able to avail forex trading with our new and improved secure online

Road to JAVA™
We have been on a continuous innovation journey, leveraging cutting-edge technology to enhance our banking
HPLUS™ BANKING APPLICATION
HBZ has developed a cutting-edge banking application called hPLUS™, built on a tiny virtual machine and a Sybase database. Our dedicated team has created a unique language and a powerful banking application that enables scalable operations on thin clients. Within six months, hPLUS™ adopted JAVA™ and became the world’s first integrated JAVA™ banking system.



Message from the Joint-President
“This bold new approach to transaction processing cured the most fundamental issues plaguing legacy systems, reducing costs and enhancing efficiency to unprecedented levels.”