Balance personalized investment experiences with digital efficiency

The rise of neobanks, investment apps, and robo-advisory platforms has shifted modern investor expectations — with speed and convenience now being top priorities across all demographics. But while high-net-worth and ultra-high-net-worth clients want self-service investment and portfolio management capabilities, they also value and require personalized guidance from advisors and relationship managers. Unfortunately, financial institutions often face challenges in providing hybrid advisory models that offer the right blend of human expertise combined with digital and AI for every client segment. Years of legacy tech, siloed systems, fragmented tools, and outdated infrastructures further complicate the landscape, leading to high cost to serve and inconsistent client experiences.

• **70% **of households with a net worth over $500,000 (headed by a person under age 45) have a strongly or mostly self-directed investment style
• **60% **of financial advisor time is spent on admin tasks instead of servicing customers
• **80% **of IT budgets in banks are spent on maintaining legacy systems

Offer high-quality investing propositions at speed at scale

Deepen client relationships and attract the next generation of clients by giving every segment the right mix of self-service and assisted investment capabilities. Streamline and personalize the investment journey from discovery to execution.

Create tailored, self-directed investing journeys for mass affluent clients

Add seamless, multi-channel investment journeys to your mobile banking applications that enable customers to create, monitor, and grow their investment portfolios anytime, anywhere, with AI-powered guidance and advice.

Retain & grow your existing high-net-worth and ultra-high-net-worth client base

Offer white-glove wealth services across every channel with hybrid advisory capabilities that give clients control over their wealth, as well as the ability to collaborate with advisors and relationship managers to grow their investment portfolios.

Attract the next generation of wealth clients

Expand your service offerings to capture affluent customers who are building their wealth with premium digital trading capabilities that give them the ability to contact advisors via secure in-app chat or video when making complex portfolio decisions.

Empower advisors and relationship managers

Equip advisors, relationship managers, and external asset managers with advanced tools and insights to spend less time on manual tasks and focus on delivering personalized, proactive investment advice.

One platform for all your lines of businesses

Retail digital investing

Seamless, self-served investment solutions for every client Enable retail clients to take full control of their financial journey. From automated, long-term robo-advisory solutions to hands-on trading, clients can tailor their experience based on their preferences. Whether they choose to let their investments run on autopilot with robo mandates or engage in active decision-making, a diverse product range ensures they have the right tools to meet their unique financial goals.

Wealth management

Deliver modern hybrid advisory experiences Give clients full transparency and control over their wealth with comprehensive mobile and web applications, offering the right mix of digital and human service. Give high-net-worth and ultra-high-net-worth clients a 360° view of their portfolios with personalized dashboards, quick access to insights, real-time portfolio performance, and more. All this while enabling real-time collaboration with advisors when reviewing investment proposals, discussing investment strategies, and co-creating personalized investment plans.

Private banking

Give clients access to a broad range of investment options Add advanced wealth management capabilities to your private banking services by enabling clients to analyze their portfolio in real time, adjust asset allocation, and explore curated investment opportunities. Leverage emerging opportunities by incorporating third-party products into your offers, including private equity and alternative asset classes, while giving clients tools to collaborate with relationship managers and external advisors.