T RoboAdvisory


HOW DOES IT WORK

It is a computational platform that allows a Bank to automate the consultancy process; client portfolios are constructed, monitored, and reallocated by the Deus engine in compliance with suitability requirements and following the views of the Bank, as well as the risk profile and relative conditions desired by the client.

Roboadvisory actually allows to transform consultancy in a shelf product, with which it is possible to launch real consultancy campaigns: it is for this reason that we suggest connecting it to the CRM world, from which it takes an input and returns information that enriches the knowledge base of the client.

T roboadvisory allows the creation of a real automated consultancy service dedicated to sets of clients that can operate without any intermediation from a consultant (Moneyfarm model) or be the strategic push instrument that generates business leads for bankers, who receive the list of clients that need to be contacted, with their specific proposal attached.


Main Features

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operates with B2B customers on open API platforms

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it feeds on the information from customer intelligence (analytics) and CRM

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it is managed by the bank and according to its needs (products, product performance, business strategies, MiFID)

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manages thousands of multi asset products (stocks, bonds, funds, ETFs, currencies, etc.)

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implements a heuristic approach, since the algorithm is built to adapt to each bank’s advisory model and to produce customized proposals for each individual customer

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supports RoboAdvisory and RoboforAdvisor projects, both for retail segments (standardization), and for the affluent and private segments (customization)

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roboadvisory acts with both a push and a pull strategy, i.e. with massive campaigns on homogeneous sets of clients or directly on line

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can work with a “chatbot” to implement a textual interface that gives the user the greatest ease of use


Main features covered

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Profiling: behavioural questionnaire, behavioural profiling, MiFID questionnaire, MiFID profiling, empirical analysis of the profile provided by customer intelligence.

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Education: simulated portfolio, diagnosis of existing profiles, awareness of financial risk, awareness of their goals, interactive avatar.

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Portfolio position keeping: portfolio analysis, portfolio charts, trends and scenarios charts, risk, performance and listing of securities, information sheets on a single title, suitability check.

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Monitoring: comparison between existing and suggested portfolios, comparison of indicators, comparison of hypothetical trends, event alerts.

Database

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Italian Mutual Funds

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Authorised Foreign Funds

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Unauthorised Foreign Funds

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Open pension funds

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Insurance funds

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Hedge funds
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Etf

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Shares
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Bonds
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Indexes

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Currencies

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The historical series pertaining to the client can be integrated in the dataset.

It is possible to set up different types of consultancy campaigns, for example:

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New liquidity investments:

each time that new liquidity is created on the account of a client, a coherent investment is suggested.

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Portfolio reasset:

each quarter, portfolios are realigned to the model portfolio with suggested purchase and sale operations.

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Share swap:

Substitution of expired securities for alternative investments.

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Allocation by aims:

Proposal of products or combinations of products according to the aims and well-defined needs of the client.


ADVANTAGES FOR THE BANK

Robo advisory allows to conduct massive campaigns on various types of clients at low costs, guaranteeing the following benefits to banks

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Increase in loyalty

Of retail clients, thanks to professional consultancy aligned with the client’s profile.

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Cost reduction

Of management thanks to automated consultancy for clients that are not very lucrative for the bank.

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Revenue maximisation

For the bank, thanks to increased transactions through updates to the portfolio.

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Accelerates

Compliance to the new MiFID II regulations on consultancy, which will be enforced from 2017.