Sorry, I don&#x27;t have a public reference. The first number came from my (unpublished) 2013 bachelor&#x27;s thesis, where I surveyed the 20 biggest banks (by balance sheet) in each of CH, DE, AT, IT and FR. HSTS was very new back then, so the 0% was no big surprise. The full thesis is in German. I can send you the PDF if you&#x27;re interested.<p>For the second number, I had a look at 15 banks represented at Vontobel, Credit Suisse, J. Safra Sarasin, PostFinance, Raiffeisen, Swissquote, UBS, Valiant and the State Banks from Basel, Geneva, Grisons, Schaffhausen, Thurgovia, Zug and Zurich. Of these 15 banks, six were using HSTS: CS, PostFinance, Raiffeisen as well as Basel, Thurgovia, Zug and Zurich.<p>Switzerland has over 200 banks in total, but many of these are small private shops, only a couple dozen actually offer e-banking. The majority of people is banking with one of the top 5 (PF&#x2F;CS&#x2F;Raiffeisen already are, and I&#x27;m hoping for UBS and Valiant to adopt HSTS soon-ish). The 15 I had a look at in December 2015 are responsible for the vast majority (90+%) of online banking done in Switzerland.