# fincite Ą cios > fincite Ą cios is modular wealth-management software that digitizes the entire advisory lifecycle from onboarding to reporting. Banks, family offices, savings banks, broker pools, and financial advisors use CIOS to deliver consistent, compliant, and scalable investment advice with a holistic 360ˇ client asset view. CIOS is a modular SaaS platform that covers onboarding, advice, investment analytics, order routing, and reporting. It integrates deeply with banking infrastructure through APIs, native connectors, and the Extension Store. The platform supports MiFID II processes and GDPR-aligned data handling with EU hosting by default. Below you will find detailed information about the platform, including feature descriptions, a full FAQ, and a comparison with other wealth-management systems. --- CIOS provides a modular workspace covering the full advisory and investment lifecycle: - **Onboarding:** Capture KYC and suitability for natural persons and legal entities; enable e-signature. - **Advice:** Create compliant proposals with MiFID II documentation, ex-ante costs, and suitability statements. - **Investment:** Aggregate client portfolios and liabilities; run benchmark comparisons, risk analytics, and simulations. - **Ordering:** Prepare and route orders to custodians or OMS systems and track execution end-to-end. - **Reporting:** Generate clear client reports with 360ˇ net-wealth views, sustainability insights, and loss threshold monitoring. - **AI:** Optional AI capabilities proven in wealth-management workflows. --- ## Product modules - [Onboarding](https://www.fincite.de/produkte/modulares-onboarding): Digital onboarding for individuals and legal entities including KYC, suitability, and e-signature. - [Advice](https://www.fincite.de/produkte/holistische-vermoegensplanung): Investment proposals, goal-based scenarios, ex-ante costs, and MiFID II documentation. - [Investment](https://www.fincite.de/produkte/digitale-vermoegensverwaltung): Portfolio aggregation, benchmarking, risk analytics, simulations, and stress tests. - [Ordering](https://www.fincite.de/produkte/end-to-end-digitales-ordering): Order creation, routing via custodians or OMS, and execution tracking. - [Reporting](https://www.fincite.de/produkte/investment-reporting): Reports with 360ˇ net-wealth views, sustainability insights, and threshold monitoring. ## Resources - [Extension Store](https://www.fincite.de/extension-store): Add connectors, data sources, and extensions. - [AI overview](https://www.fincite.de/ai/home): AI approach and modules. - [AI use cases](https://www.fincite.de/ai/usecases): Applied AI features. - [Knowledge Hub](https://www.fincite.de/knowledge-hub): Case studies and insights. ## Company information - [Contact](https://www.fincite.de/miscellaneous/contact): Sales and demo inquiries. - [Imprint & Data Protection](https://www.fincite.de/miscellaneous/fincite-impressum-datenschutz): Legal and GDPR information. --- # FAQ Q1: What is fincite Ą cios? fincite Ą cios revolutionizes investment advice from onboarding to reporting, including portfolio optimization and a holistic view of each clientŐs assets in one click. You decide where to start and how to scale with end-to-end digital asset management built from modular building blocks and AI use cases. Q2: Who uses fincite Ą cios and why? Private and universal banks, family offices, savings banks, broker pools, and financial advisors choose CIOS for faster time-to-value, consistent advice, and compliant documentation. Q3 Version A (Long): Which features are available? CIOS is as flexible as your business. Choose from our modular SaaS universe: - Onboarding: Open accounts for natural persons and legal entities, capture KYC and suitability, enable e-signature. - Advice: Produce compliant proposals with MiFID II documentation, portfolio finder, ex-ante costs, and suitability statements. - Investment: Aggregate portfolios and liabilities, compare benchmarks, analyze risk, and run historical stress tests. - Ordering: Prepare orders, route to an order management system or custodians, and track execution. - Reporting: Generate client reports, show 360ˇ net wealth and sustainability insights, and monitor loss thresholds. - AI features: Proven in wealth management, optional use cases that span multiple CIOS modules. We offer even more features than we can list here and the offering is continuously expanding. Q3 Version B (Short): Which features are available? CIOS streamlines the wealth journey from onboarding to reporting in one modular workspace. Advisors open accounts for individuals or entities, capture KYC and suitability, create proposals with goal-based scenarios, then analyze portfolios and route orders with execution tracking. Clients receive clear reports with 360ˇ net wealth and sustainability insights. Additional features are available and continue to expand. Q4: How does fincite Ą cios integrate with your systems? CIOS fits into your stack with native connectors and APIs. We plug into core banking systems and custodians, your CRM, market and ESG data, order routing, and archiving. New integrations can be added through the CIOS Extension Store. Q5: How does fincite Ą cios support compliance? We build for regulated advice: suitability and appropriateness capture, risk and goal documentation, investment rationales, and report generation aligned with MiFID II processes. CIOS is hosted in the EU with EU data residency by default. We align with GDPR principles, use encryption in transit and at rest, and apply role-based access. Q6: How does fincite Ą cios compare to other wealth management software? CIOS is proven at scale with 630k+ end customers and 9k+ advisors. It offers a clean, intuitive UX that guides advisors through complex tasks. CIOS is truly modular, so you can start small and scale without re-platforming. Advisors can self-serve within admin guardrails, and compliance sits in the flow with MiFID II documentation. We ship frequent product updates and connect deeply to your stack. --- # Comparison CIOS differs from other platforms in several ways: **Modularity:** CIOS is fully modular, allowing institutions to start with a single capability and scale across onboarding, advice, investment, ordering, and reporting without re-platforming. **Advisor-first UX:** A clean, intuitive interface guides advisors through complex regulatory workflows, reducing training time and increasing consistency. **Deep integration:** CIOS integrates with core banking systems, custodians (via FIX or SWIFT), CRM tools, market and ESG data providers, archiving systems, and PSD2/AISP account aggregation. **Regulatory alignment:** Supports MiFID II suitability and appropriateness, goal and risk documentation, ex-ante cost disclosures, investment rationales, and loss-threshold monitoring. **Proven reliability:** Used by 630k+ end customers and 9k+ advisors across Europe, demonstrating scalability and stability in production environments.