Aggregation Engine

CIOS Aggregation Engine

The Aggregation Engine is our insights tool for multi banking, PSD II, financial aggregation and open banking

Aggregation is the beginning of the digital investment advice of the future. While financial aggregation helps the customer to stay on track with his or her finances, it supports the bank to improve customer interaction. But aggregation also bears analytical potential for a digital investment journey: A 360° view can be the starting point for a portfolio analysis or a calculation of retirement gaps. Using financial aggregation, the bank can identify what is the individual next-best action for each of its customers.

Learn more about our Aggregation Engine for multi banking:

Holistic advice allows the advisor to take a complete view on the customer and the particular assets

Portfolio analysis can be used to check the portfolio of the customer at another bank and to identify optimization potential

Sales impulses can be generated from the knowledge won about the customer and the particular assets

Building a 360° view on the customer requires a complete set of data

In order to provide you with a holistic view of all your clients’ assets we offer different possibilities for data gathering.

Cash Accounts

Cash Accounts via Rest API through our global partner network

Portfolio Accounts

Portfolio Accounts via Rest API through our global partner network

Financial Market

Financial Market Data Provider through modern Rest APIs

Real Estate Data

Real Estate matching a manual entry of an address with the evaluation engine of our partners

Private Equity

Private Equity as approximative values via several market data providers

Cars and Art

Cars and Art via Rest API of several pricing data bases

Pension Accounts

Pension Accounts – for now just manually, via OCR or as proxy from the cash account

Insurance Data

Insurance Data – for now just manually, via OCR or as proxy from the cash account

Insights generated from a 360° view

  • Cash accounts for identifying income and expense structures of the customers, which bears insights into savings potentials and risk-bearing capacities
  • Portfolio accounts for analyzing the current investment structure
  • Market data to gather insights into the portfolio based on current financial market data
  • Real estate based on manual entry of a few data points with automated evaluation via real estate market data providers
Fincite Digital Wealth Mangement Software
Fincite

We connect to several companies and partners

  • Financial market data: Refinitiv, Morningstar, FactSet, Sustainalytics
  • Frontend & middleware partners: Backbase, Five Degrees
  • Asset data provider: Sprengnetter
  • Core banking & portfolio management: Sopra Banking, Temenos
What our customers say about our digital wealth management software: