Switzerland's postal system has been delivering more than letters for over a century. PostFinance emerged from Swiss Post's financial services division and became one of Switzerland's largest retail financial institutions — a bank that reaches into every corner of a country where the post office was historically the most accessible financial institution for ordinary people. It holds accounts for millions of Swiss residents and businesses, offering current accounts, savings products, and payment services with the distribution advantage of a nationwide postal network. PostFinance has been at the centre of Switzerland's digital payment transformation, operating the TWINT mobile payment system in partnership with other Swiss banks and investing in digital banking infrastructure that has modernised what could easily have remained a legacy institution. The Swiss regulatory environment has constrained PostFinance from offering mortgages and loans — a political decision that reflects the incumbent banking sector's influence — creating an unusual situation where one of Switzerland's largest account-holding institutions cannot lend. That constraint has pushed PostFinance toward partnership and platform models rather than the full-service banking approach its scale might otherwise support.