Easily integrated into your IT landscape
Hybrid Robo Advisor:
Automated portfolio management with human interaction
“Human-only” offline advice is not scalable and requires considerable manual effort. On top of that, increasing regulatory requirements lead to liability and reputational risks.
Fincite Hybrid Robo Advisor enables our clients to overcome these challenges. Advise your clients automated & individually and empower your advisor!
Benefits of our Hybrid Robo Advisor:
Start with a digital or hybrid onboarding process
Our Hybrid Robo Advisor’s digital onboarding process includes profiling, setting objectives and determining portfolio options.
Profiling (MiFID II)
Objectives and restrictions
1. Profiling (MiFID II)
To model the customer, CIOS contains a dynamic workflow. The bank can build its own workflow to identify the customer profile. The client risk score is derived from the onboarding risk questionnaire, covering the following topics:
- Knowledge and experience
- Financial situation including loss-bearing capacity
- Investment goals and strategies
2. Objectives and restrictions
CIOS contains a vast set of goals and restriction settings, for example goals for retail customers such as capital goals, saving plans, consumption or passive income and retirement goals.
For private banking and institutional customers, there are further goals regarding sustaining of wealth, risk bandwidth or expected returns with risk budgets. The customer can, upon demand, also set the restrictions from our Optimization Engine.
3. Portfolio construction
Based on the bank’s model portfolio or its expected return and its product galaxy, our software matches the MiFiD II risk profile, objectives and restrictions of the customer towards a suggested portfolio. Within the portfolio construction our software manages:
- Model portfolio
- Suitability check
- Matching customer risk profile to model portfolio
- Rebalancing of portfolio
Download our Hybrid Robo Advisor presentation and discover how we can support your digital investment service!
Feedback from our clients:
The combination of extensive experience in the financial sector with a fresh innovative approach and dedication makes Fincite the perfect partner for us.
With Fincite.CIOS, we can manage complex portfolios automatically. This strengthens the efficiency of our consultants and helps them focus on the essentials: the customer.
We are glad to have the tech experts from Fincite as our partner.
The collaboration with Fincite will enables us to make our investment research services directly available to our partners, especially from the perspective of Bank für Vermögen AG, in client advisory services, but also in individual portfolio construction.
Prospery and Fincite have been working together since 2017. Within only a couple of months, Fincite was able to develop a complete portfolio management solution. We would work with them again at any time!
With our partners of Fincite, we could excite some of our clients. We brought intelligence and Insights directly into the portfolios our clients’ customers, by leveraging Thomson Reuters strong data capabilities with Fincites’ Algorithms.
Life Insurers need innovative Products to serve customers digitally. The integrated Robo Advisor from Fincite is an excellent solution, which is actively used by numerous renowned financial institutions. Together with msg life we will now offer new opportunities in advice, customer retention and sales to life insurance.
Evergreen is aiming for technological leadership in digital financial planning and investing. Fincite’s CIOS is paving the way from our state- of-the-art asset management to a great customer experience.
OWNLY and Fincite share the vision of a digital private bank and family office. This led to fruitful exchanges about future services and features.
Together with Fincite, we have created a new-generation financial analysis tool. Their innovative thinking combined with their strong focus on financial mathematics led to an impressively efficient tool for our clients.