Ticino startups in schools: cross-border opportunities

Context

In brief

• 500 startups developed by Lombard students thanks to an innovative project.
• 3,000 young people involved between high schools and ITS, with a focus on sustainability and innovation.
• Replicable model for cross-border workers: experiential training and collaboration with companies.
• Objective: to retain talent in the territory and reduce brain drain.

Key Facts

• What: Project My business, my future promoted by the Sodalitas Foundation, which generated over 500 business ideas from Lombardy students.
• When: Edition ended in 2026 (fifth edition).
• Where: Provinces of Varese, Milan, Monza, Sondrio, Genoa and Turin, with activities at the Ville Ponti in Varese.
• Who: Sodalitas Foundation, Varese Chamber of Commerce, ITS (Higher Technical Institutes), high schools and volunteer managers (e.g. Brianza Solidale, VSP).
• Amount: No specific financial data in the source, but involvement of 3,000 students and 100+ seminars.
• Method: Learning by doing with concrete project work and business plans.
• Focus: Sustainability, social innovation and green/digital transition.

The fifth edition of the project My business, my future, promoted by the Sodalitas Foundation, has transformed thousands of Lombard students into aspiring entrepreneurs. The initiative, which ended in Varese, involved about 3,000 students from 28 high schools and, for the first time, from 4 ITS in the provinces of Varese, Milan, Monza, Sondrio, Genoa and Turin. The result? Over 500 business ideas focused on sustainability and social innovation, the result of a path that has united school desks and the corporate world.

An experiential training model

The project did not limit itself to theory, but adopted a learning by doing approach. Through over 100 seminars and project work activities, students worked in teams to develop concrete business models and business plans. They were led by volunteer managers from organisations such as Brianza Solidale and VSP – Senior Professional Volunteers, who made their experience available to face the challenges of the green and digital transition.

The novelty this year was the inclusion of the Higher Technical Institutes (ITS) in the training course. According to Alberto Pirelli, President of the Sodalitas Foundation, this choice reflects the desire to "embrace the entire training chain" to cultivate the talent of the new generations through concrete experiences. An approach that, according to the president, is essential to build the human capital necessary for companies to remain competitive.

Implications for Ticino and cross-border commuters

The Lombard project, although not aimed at cross-border workers, offers interesting ideas for the Canton of Ticino, where training and innovation are key to attracting and retaining cross-border workers. The Chamber of Commerce of Varese has underlined how investing in young people is strategic to ensure competitiveness in the territory, a principle that could also be extended to Ticino, where the demand for specialized skills is growing.

In particular, the laboratory teaching model adopted in the Lombard project could inspire Ticino schools to go beyond traditional face-to-face lessons, training skills such as creativity, ethical thinking and teamwork. An approach that, according to Giuseppe Carcano, Director of the Varese Territorial School Office, responds to the needs of students to "plan their future proactively".

Focus on sustainability and innovation The 500 business ideas developed by the Lombard students focus on two central themes: sustainability and social innovation. These are sectors in which Ticino is also investing, with projects such as the energy transition and the circular economy. For cross-border commuters working in Swiss companies active in these sectors, these skills could represent added value in the labour market.

Crucial question for cross-border commuters If the Lombard model shows that experiential training can generate innovative ideas, why not replicate it in Ticino? For example, collaborations between Ticino high schools (such as the Liceo di Lugano or the Istituto Cantonale di Mendrisio) and local businesses could create opportunities for cross-border commuters eager to update their skills or start entrepreneurial activities. However, it should be remembered that in the Canton of Ticino the regulatory and tax context for startups is different from that in Lombardy, with specific rules on work permits, withholding tax and AVS/LPP contribution.

Next steps

In the next article we will explore how Ticino schools could adopt models similar to the Lombard one, with a focus on continuous training for cross-border commuters and opportunities for self-entrepreneurship in compliance with Swiss regulations. In the meantime, those interested in learning more about tax and social security dynamics for those who work in Ticino can consult our calcolatore stipendio frontalieri to assess the impact of taxes and contributions on their paychecks.

Comparative table: Training and cross-border commuters

| Element | Lombardo Project | Potential Ticino | |---------------------------|-----------------------------------------------|-----------------------------------------------| | Target | High School & ITS Students | High School Students & Cross-Border Commuters Adults | | Focus | Sustainability and social innovation | Sustainability + market adaptation CH | | Method | Learning by doing with company mentors | Hands-on Workshops + Collaboration with SMEs | | Objective | Retaining talent in the area | Continuing education for cross-border commuters | | Legislation | Lombardy Rules (Italy) | G/B permits, AVS, withholding tax (CH) |

⚠️ Attention cross-border commuters If you are a cross-border commuter interested in participating in similar initiatives in Ticino, be sure to check: - The compatibility of the project with your work permit (G or B). - The tax implications, especially if the business involves additional income subject to Swiss withholding tax. - The possibility of accessing AVS/LPP contributions also for secondary entrepreneurial activities.

For now, the Lombard project remains an example of how innovative training can generate opportunities, but Ticino could soon follow a similar path, adapted to the specificities of the cross-border labour market.

Operational details

How the Lombardy model can inspire us in Ticino

The My Business, My Future project shows that experiential training not only stimulates creativity, but also builds a bridge between school and the world of work. For cross‑border workers who live in Italy but work in Ticino, this model offers interesting ideas on how to update skills, start entrepreneurial activities or simply better understand the Swiss market.

1. Continuous training for cross‑border workers: opportunities and limits

In Ticino, continuous training is governed by specific regulations, especially for those holding a B permit (residence) or a G permit (cross‑border worker). While in Lombardy the project mainly targets students, in Ticino it could also interest adult employees who wish to retrain or launch a small business.

Limits to consider:

• Work permit: A cross‑border worker with a G permit can undertake entrepreneurial activities only if they are compatible with the main contract. For more demanding activities, a B permit may be required.
• Taxation: Income from entrepreneurial activities in Switzerland is subject to withholding tax and AVS/LPP contributions. If the activity is carried out in Italy, Italian tax rules apply, with possible double taxation to be managed through the 1976 Italy‑Switzerland Convention.
• Time: Many cross‑border workers are full‑time employees in Switzerland. Attending courses or workshops requires careful planning, possibly using remote work or vacation periods.

2. Sustainability and innovation: key sectors for cross‑border workers

The 500 entrepreneurial ideas born in Lombardy focus on sustainability and social innovation, sectors that are also growing strongly in Ticino. Here are some concrete opportunities for cross‑border workers:

A. Energy and green transition

Ticino is investing in the energy transition, with projects such as renewable energy use and sustainable mobility. A cross‑border worker in the energy sector could:

• Attend energy‑efficiency courses organized by bodies like SUPSI or the Canton of Ticino.
• Launch a small energy‑consulting business for private clients or SMEs, leveraging skills acquired in Switzerland.
• Collaborate with social cooperatives operating in the sustainability field.

Note: If the activity involves hiring employees, Swiss rules on cross‑border work and AVS/LPP contributions for collaborators must be checked.

B. Social innovation and the elderly

Ticino's population is aging, creating many opportunities in personal services, especially for those working in the social or health sectors. A concrete example:

• A cross‑border nurse could certify additional skills in home care or elderly‑facility management.
• A tourism‑sector employee could start a sustainable tour‑operator business, promoting eco‑friendly itineraries in Ticino.

Reference regulations:

• G permit: Allows secondary activities only if they do not prejudice the main job.
• B permit: Allows opening full‑time entrepreneurial activities, but with Swiss tax obligations.

3. Collaborations between schools and businesses: a model to replicate?

The Chamber of Commerce of Varese has highlighted how the Lombardy project is a strategy to retain talent in the region. In Ticino, where the brain drain to other Swiss regions is a known phenomenon, similar initiatives could be useful.

Examples of possible collaborations:

• Ticino high schools (such as the Liceo di Lugano or the Istituto Cantonale di Bellinzona) could partner with local SMEs for entrepreneurship workshops.
• Cross-border workers with managerial experience could become mentors for students or young entrepreneurs.
• Institutions like SUPSI could organize specific courses for cross-border workers on Swiss tax regulations and self-employment opportunities.

Barriers to overcome:

• Language: Many courses in Ticino are in Italian or German. An Italian cross-border worker might struggle if they don’t speak German.
• Time: Most cross-border workers work full-time. Evening or weekend courses could be the solution.
• Costs: Some training programs come at a cost. Are there cantonal subsidies or scholarships available for cross-border workers?

4. Practical case: a cross-border worker launching a startup

Hypothetical example (not based on real data, but on general dynamics)

Imagine a cross-border worker who works as an engineer in Lugano and wants to start a small consultancy business for energy efficiency in residential buildings. Here are the key steps:

1. Permit evaluation: Check if the G permit allows secondary activities. If not, a switch to a B permit might be necessary. 2. Tax analysis: Income from the business will be subject to Swiss withholding tax and AVS/LPP contributions. If the activity is also carried out in Italy, income must be declared in both countries, applying the Italian-Swiss Convention to avoid double taxation. 3. Training: Attend refresher courses at SUPSI or certified institutions to acquire specific skills. 4. Networking: Collaborate with the Ticino Chamber of Commerce or industry associations to find clients and partners. 5. Insurance: Verify LAMal coverage and professional liability insurance.

Table: Comparison of work permits for entrepreneurial activities

Key questions for cross-border workers

If you’re thinking of starting a business in Ticino, ask yourself these questions:

• Does my current permit (G or B) allow me to carry out this activity?
• What are the tax obligations in Switzerland and Italy?
• Do I need specific training? Where can I find it?
• Can I access funding or subsidies for startups in Ticino?

Useful resources in Ticino

• Ticino Chamber of Commerce: Information on business incentives.
• SUPSI – Continuing Education: Courses on sustainability, innovation, and business management.
• Federal Office for Economic Affairs (SECO): Regulations for startups and self-employment in Switzerland.
• Work permits: Comparison between G and B permits for entrepreneurial activities.

⚠️ Watch out for tax pitfalls

A common mistake among cross-border workers starting businesses is underestimating tax obligations. Here's what to keep in mind:

• Double taxation: If the business generates income in both countries, you must file tax returns in Italy and pay withholding tax in Switzerland. The 1976 Convention avoids double taxation, but you need to fill out the forms correctly.
• AVS/LPP: Income from business activities is also subject to Swiss social security contributions if the business operates in Switzerland.
• VAT number: If the business exceeds a certain income threshold, you may need to register for a VAT number in Italy.

To avoid issues, consult an accountant specialized in Italian-Swiss taxation or use our cross-border payslip simulator to assess the tax impact on your income.

Useful planning tools

To estimate your pension strategy, use the pension planner and the pillar 3 simulator.

Key points

What to do concretely: step-by-step guidance for cross-border commuters If the Lombard project has inspired you and you want to explore similar opportunities in Ticino, here is a practical guide to take action, step by step.

Step 1: Assess the compatibility of your work permit

The first step is to check if your current permit allows you to carry out entrepreneurial activities. Here is a summary:

| Permit | Allowed Activities | Necessary actions | |--------------|-----------------------------------------------|-----------------------------------------------| | G Permit | Only secondary activities, not affecting the main job | Check with the Canton of Ticino or the employer. If necessary, apply for a B permit. | Permit B | Full-time entrepreneurial activities | Register with the Ticino Chamber of Commerce and open a Swiss VAT number (if necessary).

Where to contact: - Cantonal Labour Office (Canton of Ticino): ti.ch/lavoro - Ticino Chamber of Commerce: ti.ch/commercio

Step 2: Assess the training needed If your business idea requires specific skills, consider these pathways:

1. SUPSI Courses: The University of Applied Sciences and Arts of Southern Switzerland offers continuing education on topics such as sustainability, innovation and business management. Some courses are also aimed at cross-border commuters. - Example: Course on Energy efficiency for buildings (check availability). - Link: supsi.ch/continua

2. Chamber of Commerce workshops: The Ticino Chamber of Commerce often organizes events on self-entrepreneurship and startup financing. - Example: Workshop How to start a startup in Ticino. - Link: ti.ch/eventi-imprenditoriali

3. Online training: Platforms such as edX or Coursera offer courses on business planning and sustainability, which can also be accessed from home.

Please note: If you choose a course in Italian, please make sure it is recognized in Switzerland to avoid problems with AVS or work permits.

Step 3: Analyze the tax aspects Taxation is the most critical point for cross-border commuters who want to start a business. Here's what to do:

1. Consult a specialized accountant: Look for a professional with experience in Italian-Swiss taxation. You can find lists at: - Order of Accountants of the Canton of Ticino: ticino-commercialisti.ch - Association of Italian Accountants in Switzerland: aci-svizzera.ch

2. Assess double taxation: If the business generates income in both countries, apply the 1976 Italian-Swiss Convention to avoid paying taxes twice. The accountant will guide you on tax returns in Italy and withholding tax in Switzerland.

3. AVS and LPP: Income from entrepreneurial activities is also subject to Swiss social security contributions if the activity is carried out in Switzerland. Check with the AVS Office of the Canton of Ticino: avs-ti.ch

Step 4: Create a business plan Even if you start with a simple idea, a business plan will help you clarify the steps and find funding. Here's a basic structure:

1. Idea Description: What is the product/service? Who do you turn to? 2. Market analysis: Are there any customers in Ticino for your business? 3. Economic Model: How Will You Make Money? What are the fixed and variable costs? 4. Financial plan: How much capital do you need? Do you have access to financing?

Useful tool: Use the calcolatore reddito netto frontalieri to estimate your earnings after taxes and contributions.

Step 5: Find funding and facilities In Ticino there are some opportunities for startups and entrepreneurs:

1. Cantonal subsidies: The Canton of Ticino offers contributions for innovative projects, especially in the green tech and social sectors. - Where: Office of Economy and Health of the Canton of Ticino: ti.ch/economia

2. Bank financing: Some Swiss banks (such as BancaStato or Raiffeisen) offer subsidized loans for startups, especially if the business has a social or environmental impact.

3. Incubators: The Politecnico di Lugano and SUPSI host incubators for startups, with access to mentors and networking. - Link: polilu.ch/incubatori

Step 6: Record the activity If you decide to proceed, here are the steps to sign up:

1. Swiss VAT number: If the business exceeds a certain income threshold (currently CHF 100,000 per year), you will need to open a VAT number in Switzerland at the cantonal tax office. 2. Registration in the commercial register: If you are resident in Switzerland (B permit), register with the Ticino Chamber of Commerce. 3. Insurance: Take out professional indemnity insurance and check the LAMal coverage (if the activity involves health risks).

Please note: If your business is primarily in Italy, you may need to register for VAT in your country of residence as well.

Step 7: Networking and promotion Once you start your business, networking is key. Here's how to do it:

1. Participate in events: The Ticino Chamber of Commerce and SUPSI often organize fairs and meetings for entrepreneurs. 2. Join associations: Such as Ticino Association of SMEs or Frontiereri Ticino to exchange experiences. 3. Promote on social media: LinkedIn and local Facebook groups (e.g. Imprenditori Ticino) are useful for finding customers.

Immediate resources to get started If you're ready to take your first steps, here's a quick checklist:

✅ Rate permission: G or B? Contact the Canton of Ticino. ✅ Training: Search for SUPSI or Chamber of Commerce courses. ✅ Tax advice: Book an appointment with a specialized accountant. ✅ Business plan: Use our cross-border cross-border business plan template (in development). ✅ Funding: Contact the Economic Office of the Canton of Ticino. ✅ Registration: Prepare documents for VAT registration and registration.

💡 Final tips

• Start small: You don't need to have a revolutionary idea. Consulting, personal services or online commerce can also be a good starting point.
• Take advantage of teleworking: If you work in Switzerland, consider whether certain activities can be done remotely during holidays or weekends.
• Collaborate with other cross-border commuters: There are many professionals with complementary skills to yours. Networking can open doors.

CTA: Assess Your Tax Situation Before starting any business, it's crucial to understand the impact on your taxes and contributions. Use our calcolatore stipendio frontalieri to simulate how your net income would change after AVS/LPP taxes and contributions.

If you already have an idea in mind, you can also consult our guida ai permessi di lavoro in Ticino to understand which one is best suited to your needs.

📌 Next steps If you want to learn more, follow these related articles:

• How to open a VAT number in Switzerland as a cross-border commuter
• Telelavoro per frontalieri: norme e opportunità
• Funding for startups in Ticino: a practical guide

Remember: the Lombard project has shown that innovation also comes from training. In Ticino, with the right resources and careful planning, you too can turn an idea into a concrete opportunity.

Start today: Contact the Ticino Chamber of Commerce or an accountant for a free initial consultation. Your entrepreneurial future could start right now.

Source: varesenews.it

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