Fashion Jobs in Zurich: English-Speaking Roles | Faruse

By Rohan Singh, Founder & Senior Career Advisor — Recruitment Expert

Last updated: 14 September 2026

Reviewed by Rachel Dubois, Labour Market Economist on 3 August 2026

Summary

This page is a practical guide to fashion jobs in Zurich, Switzerland, aimed at international candidates, graduates, and interns looking for English-speaking opportunities in the fashion industry. It explains the types of roles typically advertised in Zurich, including retail and sales positions, visual merchandising, communication, supply chain, product, digital, data, legal, and sustainability roles, and names employers and agencies that appear in Zurich and Swiss fashion job listings such as Prada Group, Saint Laurent, VETEMENTS, Massimo Dutti, Calzedonia Switzerland AG, PKZ Burger-Kehl and Co. AG, WIP Trading AG, and the recruitment agency Luxe Talent. It also covers application preparation, speculative applications, permit considerations for non-EU candidates, and what to do when a company career site is blocked by a security service. Faruse is presented as the main platform for discovering English-speaking fashion jobs in Zurich and across Europe and for preparing stronger applications. Fashion jobs in Zurich sit at the meeting point of Swiss retail, luxury brands, and international headquarters functions. Zurich is Switzerland's largest city and its main commercial centre, and the fashion industry there covers store-level retail and sales roles, corporate and retail head office positions, showroom and wholesale work, and specialist functions in areas such as supply chain, communication, digital, and product. For international candidates, the appeal is a mix of luxury heritage brands, established Swiss retail groups, and technology-driven roles that increasingly require English as a working language. Faruse is a useful starting point for finding English-speaking jobs, internships, and graduate opportunities in Zurich and other European cities. Zurich's fashion activity is concentrated in the city centre and along Bahnhofstrasse, where flagship stores and boutiques create ongoing demand for customer-facing talent, and in office locations where brands run corporate and retail teams. Larger organisations often split vacancies between headquarters, production sites, and stores, so it is worth checking each category when browsing a brand career page. Some Swiss employers also advertise roles in other cantons and towns, including jobs in Bioggio, so candidates open to relocation within Switzerland may find a wider set of opportunities than a Zurich-only search shows. The types of fashion jobs advertised in Zurich are broad. Store and Retail positions include sales advisor, client advisor, store manager, and Stagista Visual merchandising internships, where visual merchandising and customer experience are central. Head office and support functions can include Marketing, Communication, Global Communications, Customer Service, Sales, Supply Chain, Distribution Center Network Strategy, Operations, Legal and Legal Counsel, Sustainability, and Innovation. More specialised or technical openings appear too, such as Digital Product Manager, Digital Planning and Strategy, Product Insights and Analytics, Product Strategy, Product Design, Product Creation, Apparel Development, Sports Engineering, Data Engineer, Data Governance, and Platform Security Engineer. This mix means the fashion industry in Zurich is not only for design graduates; it also hires commercial, analytical, legal, and technology profiles. Employer names that appear in Zurich and Swiss fashion and retail job listings include Prada Group, Saint Laurent, VETEMENTS, WIP Trading AG, Massimo Dutti, Calzedonia Switzerland AG, Nile Clothing AG, Longchamp Suisse Sarl, PKZ Burger-Kehl and Co. AG, JEANS.CH AG, OTTO'S AG, hostettler moto ag, MXM SA, Ann and Line GmbH, and Kantonale Verwaltung Zurich. Specialist recruitment agencies also work in this market: Luxe Talent, for example, positions itself around Luxury, Fashion, Retail, watchmaking, and Hospitality recruitment and services such as market mapping, mystery shopper projects, and salary study work. General job boards such as JobScout24 can be used as broader listing sources, while Faruse remains the practical place to focus if your priority is English-speaking and internationally accessible roles. Requirements vary by role and level. Customer-facing Retail jobs in Zurich frequently ask for German alongside English, since local Customer expectations and daily Interaction with clients matter; corporate, digital, and Supply Chain teams are more often English-first, especially in international or multidisciplinary team environments. Employers commonly look for relevant Experience, commercial awareness, ownership and accountability, integrity, expertise in the specific function, and the ability to work at scale across markets. Brand language in fashion recruitment often highlights Values such as Creativity, excellence, impeccable execution, and a sustainable future, and asks whether candidates are fearless in the face of a challenge, tenacious, and ambitious enough for a career in luxury. Practical extras can also appear, such as familiarity with international invoicing, self-employed or freelance arrangements for project work, and comfort with technology used across the business. Non-Swiss and non-EU candidates should treat work authorisation as part of the application plan rather than an afterthought. Permit requirements in Switzerland depend on nationality, role, and employer, so confirm the current rules with official Swiss authorities and ask the employer directly whether the position is open to candidates who need permit support. Do not assume that a Zurich vacancy is automatically open to all nationalities, and do not rely on informal advice for legal questions. When applying, tailor your CV to the specific job title and keywords in the posting, since many fashion employers use applicant tracking systems that read job title and keyword matches. Keep your CV clear and results-focused, quantify contributions where you can, and add a portfolio or lookbook for design, merchandising, and visual roles. If you cannot find a role that fits right now, many brands invite speculative applications: create a profile, register your interest by team or department, and send your application by the channel the brand specifies, often an online form or an email address for the relevant site or team. Check whether you are already signed in to an employer portal before creating a duplicate profile, and keep a simple tracker of each application, contact, and response. One practical issue candidates meet is a career site or brand website that shows a message saying access has been blocked. This normally comes from a security service such as Cloudflare that protects the website from online attacks. A page may be blocked because a submitted form contained a certain word or phrase, an SQL command, or malformed data, or because your network traffic looked automated. To resolve this, note the Cloudflare Ray ID shown at the bottom of this page style message, try again from a standard browser without automation tools or unusual extensions, switch network if possible, and if the block persists contact the site owner by email and include what you were doing and the Ray ID so they can investigate. In the meantime, you can continue your job search on Faruse rather than losing momentum. Stay alert to a few risks. Be cautious with any recruiter who asks for payment to apply, promises a guaranteed job or permit, or refuses to name the employer. Verify company details and job authenticity before sharing documents, and keep sensitive personal data out of first contact messages. Trust is built through transparent communication about salary range, contract type, location, and language requirements, so ask these questions early. As a next step, use Faruse to explore English-speaking fashion jobs in Zurich, compare relevant roles and employers, and prepare stronger applications with a CV and cover message adapted to each vacancy. If you are flexible about where you want to go, you can widen the same search to European vacancies in cities such as Paris, Milan, Barcelona, Madrid, Amsterdam, Lisbon, and Vienna, and continue building an international fashion career from a Zurich base.

Fashion Jobs Zurich: The Complete Career and Job Search Playbook for International Candidates

Fashion jobs Zurich covers retail, luxury boutique, headquarters, product, merchandising, supply chain, and digital roles based in and around Switzerland's largest city. Zurich combines a dense luxury retail corridor on Bahnhofstrasse with international headquarters functions, which is unusual for a city of its size. This guide explains which fashion roles exist in Zurich, which brands and employers hire, what salaries look like, how language and work permit rules work, how to build a Swiss-standard CV and portfolio, and how to run a structured search instead of sending scattered applications. It also covers internships, freelance work, recruiter outreach, and the technical problems candidates hit when career sites block their searches. Read on for a practical, step-by-step approach you can start using today.

What Fashion Jobs in Zurich Are and Who Actually Hires For Them

Fashion jobs in Zurich are paid roles in apparel, footwear, accessories, watchmaking, and luxury retail that are based in the Zurich metropolitan area, spanning store-level positions, brand headquarters functions, and supporting corporate teams. The Zurich fashion industry is smaller in volume than Paris or Milan but unusually senior in structure, because many international groups run Swiss headquarters, distribution, and finance operations from the region.

Fashion jobs in Zurich fall into three broad employer types. The first is retail, which includes flagship boutiques, department stores, multi-brand retailers, and franchise operators. The second is corporate and headquarters, which includes brand management, product, merchandising, marketing, legal, supply chain, finance, and technology teams. The third is service and supply, which includes distributors, agencies, showrooms, logistics providers, and recruitment firms serving the fashion industry.

Quick answer: Fashion jobs in Zurich are concentrated in three places. Luxury and premium retail along Bahnhofstrasse and the surrounding Old Town, corporate headquarters and regional offices for international apparel, sportswear, and watchmaking groups, and support businesses such as distributors, showrooms, and specialist recruiters. Retail roles dominate by volume, while headquarters roles dominate by salary and long-term career scale.

The word "fashion" in Swiss job listings is broader than most candidates expect. A Job title such as Digital Product Manager, Data Engineer, or Legal Counsel can sit inside a fashion brand and still be advertised on a general job market site rather than a specialist fashion site. This is why keyword-only searching fails so often. If you only search the word "fashion", you will miss a large share of the real opportunities inside fashion employers.

English-speaking jobs are roles where English is sufficient for most daily workplace communication, even when the employer operates in a German-speaking canton. In Zurich, English-speaking fashion roles cluster in headquarters teams, digital and technology functions, global communications, and international commercial roles. Client-facing retail positions usually expect German at a conversational or professional level, with English as a strong secondary asset.

DID YOU KNOW: The Swiss Federal Statistical Office publishes detailed wage and employment data by economic sector and region, which matters because it gives you an independent reference point before you accept a salary figure quoted by a recruiter or hiring manager.

If you are mapping the market for the first time, start by separating brand-side roles from retail-side roles, then separate roles that need German from roles that do not. That single split will change which listings you shortlist, which employers you contact, and how you write your application. You can browse current openings on the English-speaking jobs in Zurich page to see how these categories appear in live postings.

KEY TAKEAWAY: Fashion jobs in Zurich split into retail, headquarters, and support employers, and the highest-paid and most English-friendly opportunities usually sit in headquarters and digital functions rather than on the shop floor.

Once you understand the employer types, the next question is why Zurich is worth targeting at all compared with the traditional fashion capitals.

Why the Zurich and Switzerland Fashion Job Market Matters for Your Career

Zurich matters because it pairs high purchasing power retail with international headquarters functions, so a fashion career here can move from store operations into brand, product, or supply chain leadership without leaving the country. Switzerland also offers strong wage levels relative to most European markets, which changes the long-term value of each year you spend there.

Three structural factors drive the Zurich job market for fashion professionals. First, Bahnhofstrasse is one of Europe's most concentrated luxury retail streets, which sustains a steady flow of sales, client advisory, store management, and visual merchandising vacancies. Second, Switzerland's watchmaking and premium goods heritage attracts brand, communications, and product teams that serve global markets from a Swiss base. Third, Zurich has become a serious technology hub, so fashion employers recruit engineers, analysts, and product specialists at scale rather than treating digital as a side project.

The OECD publishes comparative labour market and earnings statistics across member countries, which matters because it lets you compare Switzerland against Germany, France, Italy, and the Netherlands before you commit to a relocation. Cost of living is the counterweight. Zurich rents, health insurance premiums, and everyday costs are high, so a headline salary that looks generous can feel ordinary after fixed costs.

Fashion jobs in Zurich also benefit from proximity. Milan, Paris, Vienna, and Munich are short flights or train rides away, so brand teams based in Zurich often travel for showroom appointments, buying weeks, and supplier reviews. For candidates who want international exposure without moving every two years, that geographic position has real value.

Quick answer: Switzerland is worth targeting for a fashion career because salaries are high by European standards, headquarters roles offer international scope, and the market rewards precision and expertise over volume. The trade-offs are high living costs, a smaller number of open roles than Paris or Milan, and stricter work permit rules for candidates from outside the EU and EFTA.

There is a second, less discussed reason Zurich deserves attention. Because the market is small, hiring is relationship-driven. Recruiters and hiring managers see the same candidate pool repeatedly, so a strong reputation compounds quickly. A candidate who performs well in one Zurich boutique group is often known across the street within two years. That is an advantage for consistent professionals and a risk for anyone who treats roles as disposable.

TIP: Before you apply anywhere, build a one-page cost model for Zurich covering rent, health insurance, transport, and tax, then compare it against your target gross salary. Candidates who skip this step often accept offers that look strong on paper and disappoint in practice.

The Swiss job market also rewards a longer time horizon. International candidates often find that a first Swiss role takes three to six months to secure, and that the second role arrives much faster because local references and language exposure remove the main employer objections. Treat the first offer as an entry point into the market rather than the final destination of your career journey.

KEY TAKEAWAY: Zurich rewards fashion professionals who want high pay, international headquarters exposure, and long-term stability, provided they plan for high living costs and a smaller volume of open roles.

With the market context clear, the next step is knowing exactly which roles and departments to target.

Fashion Industry Roles and Departments Hiring in Zurich

Fashion employers in Zurich hire across far more departments than design and retail, including Supply Chain, Product, Marketing, Legal, Sustainability, Operations, and Technology. Understanding the department structure lets you search by function rather than by the word "fashion", which typically doubles the number of relevant openings you find.

Here are the main role families that appear in Zurich fashion and luxury job listings.

  1. Retail and client-facing roles

    These include Sales Associate, Client Advisor, Assistant Store Manager, Store Manager, and Customer Service specialists. Retail teams in Zurich work with a demanding, multilingual clientele and are measured on sales, client retention, and service excellence.

    Use this when:

    • You have luxury retail or Hospitality experience and strong interpersonal skills
    • You speak German at a working level, or you are actively learning it
    • You want the fastest route into the Zurich fashion industry

    Best for: Candidates with client-facing Experience who want to enter the market quickly and move into management later.

  2. Visual merchandising and store presentation

    Visual merchandising roles cover window concepts, in-store displays, seasonal rollouts, and brand guideline compliance. Listings appear both as permanent positions and as Stagista Visual merchandising internships within Italian-owned groups, where the Stagista label signals a structured internship rather than a junior permanent role.

    Best for: Creative candidates with retail merchandising training who can travel between store locations.

  3. Product, design, and development

    This family includes Product Design, Product Creation, Product Strategy, Apparel Development, and technical development roles. Sportswear and performance apparel employers in the Zurich region also advertise Sports Engineering positions that sit between materials science, biomechanics, and product testing.

    Best for: Candidates with a portfolio, technical apparel knowledge, and experience working with suppliers.

  4. Merchandising, planning, and analytics

    Roles here include Merchandise Planner, Digital Planning & Strategy, and Product Insights & Analytics. These teams decide assortment, pricing, allocation, and markdown strategy, and they rely heavily on data quality and forecasting accuracy.

    Best for: Analytical candidates who are comfortable in spreadsheets, planning systems, and commercial reviews.

  5. Supply Chain, logistics, and operations

    Openings include demand planners, logistics coordinators, wholesale operations specialists, and strategic roles such as Distribution Center Network Strategy. Switzerland's role as a distribution and finance hub means these teams often coordinate flows across multiple European markets.

    Best for: Operations professionals who can manage complexity across borders. Browse related openings under English-speaking supply chain jobs in Europe.

  6. Digital, data, and technology

    Fashion brands in Zurich recruit Digital Product Manager, Data Engineer, Data Governance, and Platform Security Engineer profiles to run ecommerce, CRM, and internal platforms. These roles are usually the most English-friendly in the entire organisation and often carry the highest salary bands.

    Best for: Technology professionals who want consumer brand exposure without leaving engineering.

  7. Marketing, Communication, and Customer Experience

    This includes brand Marketing, Global Communications, PR, CRM, social, and Customer Experience roles. Communication roles in Zurich frequently require German for local press work, while Global Communications roles based in Switzerland often operate in English.

    Best for: Storytellers who can combine creativity with measurable results.

  8. Legal, Sustainability, and corporate functions

    Legal Counsel, compliance, Sustainability, HR, and finance roles support the wider business. Sustainability roles have grown as European regulation on product claims, materials, and reporting tightens, and they increasingly require evidence-based reporting rather than general enthusiasm.

    Best for: Specialists who want brand-side impact with a corporate skill set.

The table below gives directional salary guidance by role family. Ranges are estimates based on typical Zurich market structures and should be verified against live postings, official statistics, and recruiter data before you negotiate.

Role Department Directional annual gross range (CHF) Experience level English requirement Work permit sponsorship likelihood Best-fit candidate
Client Advisor Retail 55,000 to 75,000 Entry to mid Fluent, German usually expected Low for non-EU Luxury or hospitality service professionals
Store Manager Corporate & Retail 85,000 to 125,000 Senior Fluent, German strongly preferred Low to moderate Multi-year retail leaders with P&L ownership
Visual Merchandising Specialist Merchandising 70,000 to 95,000 Mid Fluent, German helpful Low Creative retail specialists with rollout experience
Digital Product Manager Digital 110,000 to 155,000 Mid to senior English sufficient Moderate to high Ecommerce or platform product managers
Data Engineer Technology 105,000 to 150,000 Mid to senior English sufficient Moderate to high Engineers with pipeline and governance skills
Platform Security Engineer Technology 115,000 to 165,000 Senior English sufficient Moderate to high Security specialists protecting ecommerce platforms
Supply Chain Planner Supply Chain 80,000 to 115,000 Mid English sufficient Moderate Planners with ERP and forecasting experience
Apparel Development Manager Product Creation 95,000 to 135,000 Mid to senior English sufficient Moderate Technical developers with supplier management skills
Legal Counsel Legal 120,000 to 175,000 Senior English plus German often required Low to moderate Qualified lawyers with commercial contract expertise
Sustainability Manager Sustainability 95,000 to 135,000 Mid to senior English sufficient Moderate Specialists in materials, reporting, and compliance
Customer Service Advisor Customer Experience 60,000 to 82,000 Entry to mid English plus German or French Low Multilingual service professionals
Marketing Manager Marketing 90,000 to 135,000 Mid to senior English sufficient for global roles Moderate Brand marketers with measurable campaign results

Salary ranges above are directional, not guaranteed, and vary by employer, seniority, bonus structure, and market conditions. Use them to build a shortlist, not to set a fixed expectation.

KEY TAKEAWAY: Searching by department, not by the word "fashion", is the single fastest way to expand your shortlist of fashion jobs in Zurich.

Knowing the departments is only half the picture, so the next step is identifying the specific employers behind those listings.

Fashion Brands and Employers Hiring in Zurich and Across Switzerland

Employers advertising fashion jobs in Zurich range from global luxury houses to Swiss retail chains, distributors, and public sector organisations. Building a target employer list of 25 to 40 names is more productive than refreshing job boards, because a large share of Swiss hiring happens through direct applications and recruiter networks.

Luxury houses such as Prada and Saint Laurent operate retail and client-facing teams in Switzerland, and their group career sites let you filter by All Headquarters, Production sites, and Stores so you can separate corporate roles from boutique roles. Prada Group career messaging explicitly invites creative, curious and passionate applicants to send a spontaneous application when no suitable vacancy is listed, which is a useful route for candidates who cannot find an exact match.

Swiss and regional retail employers form the second layer. Names that appear regularly in Zurich and wider Switzerland listings include PKZ Burger-Kehl & Co. AG in menswear and womenswear retail, JEANS.CH AG in denim retail, OTTO'S AG in discount retail, Calzedonia Switzerland AG in hosiery and beachwear, Massimo Dutti in premium high street fashion, Longchamp Suisse Sàrl in leather goods, Nile Clothing AG in womenswear, WIP Trading AG in streetwear distribution, MXM SA, Ann&Line GmbH, and hostettler moto ag in motorcycle apparel and equipment. Kantonale Verwaltung Zürich, the cantonal administration, also appears in job market feeds, which is a reminder that regional aggregators mix commercial and public sector employers.

Quick answer: The most reliable employer list for fashion jobs in Zurich mixes four groups. International luxury houses such as Prada and Saint Laurent, Swiss retail chains such as PKZ Burger-Kehl & Co. AG and OTTO'S AG, brand subsidiaries and distributors such as Calzedonia Switzerland AG, Longchamp Suisse Sàrl, and WIP Trading AG, and specialist recruiters such as Luxe Talent who manage confidential searches for luxury clients.

The table below compares employer types so you can decide where to focus first.

Employer type Example names Typical roles English friendliness Application route Recommended when
Global luxury houses Prada, Saint Laurent Client advisory, store management, visual merchandising, corporate support Moderate in stores, higher in headquarters Group career site with headquarters, production sites, and stores filters You want brand prestige and structured career paths
Swiss retail chains PKZ Burger-Kehl & Co. AG, OTTO'S AG, JEANS.CH AG Sales, store operations, buying, merchandising, logistics Lower, German usually required Company career page and Swiss job boards such as JobScout24 You speak German and want local market depth
Brand subsidiaries and distributors Calzedonia Switzerland AG, Longchamp Suisse Sàrl, Massimo Dutti, Nile Clothing AG, WIP Trading AG Country management, wholesale, retail operations, marketing Mixed, often bilingual Direct email applications and career pages You want commercial ownership in a small team
Sportswear and technical apparel Zurich-based performance brands, hostettler moto ag Apparel Development, Sports Engineering, product, digital, supply chain High, English often the working language Corporate careers portal You have technical product or engineering skills
Specialist recruiters Luxe Talent Confidential luxury, retail, and Hospitality searches High Agency profile, email, and interviews You want access to unadvertised roles
Aggregators and job market sites JobScout24, European vacancy portals All levels across Switzerland Mixed Search alerts and keyword filters You are mapping the market at the start of your search

For most international candidates, the strongest combination is brand subsidiaries plus specialist recruiters. Subsidiaries hire small multidisciplinary teams where English is often practical, and recruiters control access to searches that never reach a public website.

It is also worth widening your geographic filter inside Switzerland. Apparel groups run international operations from Ticino, and Jobs in Bioggio appear frequently for supply chain, finance, and product roles serving European markets. If you are flexible about location, a Bioggio-based headquarters role can offer more international scope than a Zurich store position at the same seniority.

IMPORTANT: Do not treat a brand's global careers site as the complete picture for Switzerland. Many Swiss subsidiaries advertise locally, through recruiters, or by email only, so a Zurich role can exist without ever appearing in the global listings you are monitoring.

To research employers systematically, use the company search tool on Faruse to build a shortlist, then track which of those employers post regularly, which use recruiters, and which accept spontaneous applications.

KEY TAKEAWAY: A named employer list of 25 to 40 Swiss fashion companies will generate more interviews than unlimited job board browsing, because much of the Zurich market is accessed directly rather than through listings.

Once you know who hires, the next question is what those employers actually pay.

Fashion Jobs Zurich Salary Expectations and How to Run Your Own Salary Study

Salaries for fashion jobs in Zurich are among the highest in Europe in nominal terms, but real value depends on rent, mandatory health insurance, and cantonal tax. A personal salary study, built from live postings, official statistics, and recruiter conversations, is more reliable than any single published average.

Salary benchmarking is the process of comparing a target salary against verified market data for the same role, seniority, location, and industry. It matters because it protects you from anchoring too low in a first negotiation and from expecting a figure the market does not support.

Run your salary study in five steps. First, collect 15 to 20 live Zurich postings for your target Job title and record any stated ranges. Second, check official wage statistics from the Swiss Federal Statistical Office for the relevant sector and region. Third, ask two or three recruiters what the current band looks like for your profile, since agencies see offer data that never becomes public. Fourth, adjust for bonus, pension contributions, and benefits rather than comparing base salary alone. Fifth, model your net position after housing, insurance, and tax.

Quick answer: To benchmark a Zurich fashion salary properly, compare at least three sources. Live job postings for the same role, official Swiss wage statistics by sector and region, and recruiter feedback on current offers. Then convert gross salary into a net monthly figure after rent, health insurance, and tax before you decide whether the offer works for you.

Several elements of Swiss compensation surprise international candidates. Social security contributions are shared between employer and employee, pension contributions rise with age bands, and health insurance is purchased privately rather than deducted automatically as a payroll tax. A 13th month salary is common in Swiss retail and corporate contracts, so ask whether a quoted annual figure includes it. Retail roles may include commission tied to sales performance, which makes total pay variable.

The table below shows how the same nominal salary can feel different depending on the role structure.

Compensation element Common in retail roles Common in headquarters roles What to verify before accepting
Base salary Yes, often quoted monthly Yes, usually quoted annually Whether the figure includes a 13th month payment
Commission or sales bonus Frequent Occasional Realistic achievement rates, not target figures
Annual performance bonus Rare Common for mid and senior roles Payout history and the metrics used
Pension contributions Mandatory, age-banded Mandatory, sometimes enhanced Employer contribution percentage
Health insurance Employee responsibility Employee responsibility, sometimes subsidised Monthly premium in your canton
Staff discount and allowances Common Common Whether allowances are taxable

Eurostat publishes comparative labour cost and earnings data across European countries, which matters because it helps you judge whether a Zurich offer represents a genuine improvement over a comparable role in Amsterdam, Paris, or Milan once living costs are considered. Never compare gross salaries across countries without adjusting for housing and mandatory insurance.

Interns and Stagista candidates should approach the salary conversation differently. Swiss internship stipends in fashion vary widely, and some structured programmes pay meaningfully more than the informal market.

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