We strengthen the cantonal banks in the race for the next generation.
Young people expect more from their bank than an account. It should pay off. That is exactly what Stu does: every purchase gives money back that flows straight into saving, locally with the cantonal bank and usable across all of Switzerland. This is how the next generation stays, instead of drifting off to a neobank.
In Switzerland we work exclusively with the cantonal banks.
Stu is the cantonal banks’ shared answer for the young people of Switzerland: a bank that gives you money back when you shop in everyday life, and helps you save. The same everywhere, in every canton. So a member of the Obwalden Cantonal Bank, for example, benefits from every offer, in Zürich or the French-speaking part of Switzerland too.
Relevant in everyday life
Present where young people really spend their money. Not with advertising, but with real value: money back.
Locally rooted, nationally usable
Every cantonal bank is strong in its own canton. Through Stu, their young customers benefit across all of Switzerland.
Partner, not supplier
The customer relationship, the brand and the data remain the property of the cantonal bank. Jaywalker works in the background.
Behind the simplicity there is technology: from millions of card transactions, our own engineering and data science team recognises and calculates the cashback fully automatically.
- 1
Account with the cantonal bank
A youth or student account with a debit card, plus the free Stu app.
- 2
Just pay
Pay everywhere with your card, exactly as usual. No showing, no code, no voucher.
- 3
Recognised automatically
At more than 450 partners across Switzerland, Jaywalker recognises the purchase and calculates the cashback automatically.
- 4
Cashback to your account
Every Wednesday from CHF 5, straight to your private account at your cantonal bank. At month end it is always paid out, even below CHF 5.
Already over CHF 2.5 million paid out to young people in Switzerland.
This is Stu, in use today at 17 cantonal banks.
Stu
The automatic cashback system of the cantonal banks.
Young people get money back and save along the way. And the cantonal bank stays present where this generation lives its everyday life.
- Linked to the free youth & student account
- More than 450 partners across Switzerland · over 1'000 deals
- Just pay, and the cashback is recognised & credited automatically
- Paid out every Wednesday from CHF 5, and always at month end
A living ecosystem, connected through Stu.
A network no cantonal bank could build on its own, and one that works three ways at once: the cantonal bank gets close to the young generation that would otherwise slip away. The young customers get money back in everyday life that flows into saving. And more than 450 partners gain a direct line to the customers of tomorrow. We built it, we run it, we keep developing it. Exclusively for the cantonal banks.
Jaywalker AG
We chose the name Jaywalker because it stands for an attitude that fits us. It was born in New York, where many people cross the street wherever no car is coming and the way is direct. Not where the traffic light tells them to. That is exactly what we mean: take the direct path and trust your own judgement, instead of waiting for the signal.
That the name also brings to mind Luke Skywalker, the protagonist of Star Wars, settled the decision quickly. Because Luke's path stands for this attitude too. From a restless farm boy, for whom the mapped-out way is too narrow, he becomes someone who trusts his own intuition. Most clearly in the moment when he switches off the targeting computer and relies entirely on his own instinct. That courage to go your own way is what we mean by Jaywalker.
We build and run a complex ecosystem of cantonal banks, partners and technology that a whole generation uses every day. The real work is bringing very different people together into one team. Personalities who are experts in their field and hold themselves to a high standard.
Here, no one waits for sign-off. Whoever has an idea builds the prototype. For us, AI is a tool for everyone, not knowledge for a few. Underneath lies a foundation that is non-negotiable, because we work with real money and real trust: everything versioned, everything reviewed, sensitive data out of reach.
This is how 17 cantonal banks, otherwise competitors, shape the same work with us. And a whole generation learns a fairer way with money.
Discovering your own way with curiosity, openness and childlike joy, trying new things and growing beyond yourself along the way. That is Jaywalker.
The Jaywalkers
Iman Begic
TikTok Content Creator
Natan Stalder
Videography Intern
Stefan Huwiler
Senior Software Developer
Let’s take new paths together.
A cantonal bank, a partner, a talent, or simply curious about Stu and the next generation? Write to us, we look forward to the conversation.