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# Objectway
Investment and Banking Technology - Build for the future, perform today
## Posts
### [Objectway delivers new integrated digital front-end solutions for BNY Mellon’s Pershing](https://objectway.com/objectway-delivers-new-integrated-digital-front-end-solutions-for-bny-mellons-pershing/)
**Published:** January 9, 2019
**Author:** leo aloi
**Excerpt:** Objectway announces its ongoing collaboration with BNY Mellon’s Pershing to deliver Pershing's new integrated front-end solutions.
**Content:**
# Objectway delivers new integrated digital front-end solutions for BNY mellon’s Pershing
9 January 2019 – Objectway announces its ongoing collaboration with BNY Mellon’s Pershing to deliver Pershing’s new integrated front-end solutions: digital client management and portfolio management tools, and an investor portal.
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Objectway announces its ongoing collaboration with BNY Mellon’s Pershing to deliver Pershing’s new integrated front-end solutions: Pershing Nexus Wealth®, with digital client management portfolio management tools, and Pershing Nexus Investor®, an investor portal.
Objectway has been working closely with Pershing since July 2017 to phase in all the required services. The solutions are available now and will be enhanced with the addition of execution only functionality and financial planning tools.
Pershing already offers clients live integration between its services and selected third-party customer relationship management, data warehouse and front-end solutions. Using Objectway’s integrated digital platform, Pershing will be able to implement a single, fully integrated, straight-through processing solution, all within a single contract.
“We are extremely pleased to have succeeded with Pershing’s extensive selection process”, said **Luigi Marciano, CEO of Objectway**.
Objectway’s solutions will empower Pershing’s offering of workflow capabilities to wealth managers, improving management of their clients; from customisable engagement models through the whole advice process, combining human interaction with digital capabilities. The integrated portfolio management and CRM systems will also automate operational processes while enhancing service offering, in full compliance with a post-MiFID II environment.
Investors, will have a multi-channel user experience, and will be able to communicate with their advisers across many devices using online chat, video, phone or email. They will be able to check their investments, and if they wish, ask for their adviser’s help through real-time collaboration using co-browsing; thus enabling easy review and discussion remotely.
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### [City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)
**Published:** September 8, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will join industry leaders, regulators and technology specialists at The City of London Wealth Management Summit in London.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# City of London Wealth Management Summit 2026
19th October 2026 – Objectway will join industry leaders, regulators and technology specialists at The City of London Wealth Management Summit in London, sharing perspectives on the trends and challenges shaping the future of wealth management.
## Agenda
Monday, 19th October 2026
9:00 AM – 2:00 PM
City of London Wealth Management Summit
Tariq Khan, Business Development Director UK & MENA, Objectway
The City of London Wealth Management Summit brings together senior decision-makers from across the wealth and asset management ecosystem for a day of insight, discussion and networking. This year’s programme will explore the impact of regulatory change, market uncertainty and digital transformation on the industry.
As a long-standing technology partner to the wealth management industry, Objectway is pleased to contribute to these conversations. **Tariq Khan, Business Development Director at Objectway**, will moderate a panel discussion, bringing together industry perspectives on the opportunities and challenges facing wealth management firms as they navigate a rapidly evolving landscape.
The event will provide an opportunity to exchange ideas with peers and explore how technology, innovation and new operating models can help wealth managers respond to changing client expectations while building more scalable and resilient businesses.
Enter the information **[in the available to process registration for the event.](https://goodacreuk.com/event/the-city-of-london-wealth-management-summit-colwms/)**
## Event Information
Monday, 19th October 2026, NatWest Conference Centre, 250 Bishopsgate, London,EC2M 4AA, NatWest Conference Centre
We’re looking forward to meeting you in London!
## Speakers
Tariq Khan
Tariq is Client Development Director at Objectway and he leads the Business Development and Account Management teams. Tariq is passionate about Wealth management sector and has been working with Wealth Managers for over 15 years, with the prime focus on delivering outstanding client outcomes. He and his team try and achieve this by forming long term partnerships with firms and enabling them to improve their user and end client experience, operational efficiency, and become future ready through Objectway’s digital solutions. Tariq studied Physiology at Kings College London and he holds the Islamic Finance Qualification.
## Related
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[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Upcoming
**Tags:** #customerexperience, #financialinstitutions, #financialservices, #privatebanking, #technology
---
### [InterSystems UK & Ireland Data Summit 202615th - 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)
**Published:** September 8, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Alberto Cuccu, COO International Objectway will explore how AI-ready data strategies enable smarter decisions, greater efficiency and new opportunities in financial services.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# InterSystems UK & Ireland Data Summit 2026
15th – 16th September 2026 – This year’s event explores how modern data platforms enable real-time decisions, resilience and scale in financial services. Objectway will share practical insights on simplifying data complexity, reducing risk and building future-ready platforms.
## Agenda
Wednesday, 16th September 2026
11:00 AM
From Data to Intelligence: Preparing for the AI Era
Alberto Cuccu, COO International, Objectway
As organisations continue to explore the potential of AI across a myriad of use cases, success will always depend on having the right data foundations in place.
Join us at the InterSystems UK & Ireland Data Summit as we delve into the future of technology and business.
In this session, led by **Alberto Cuccu, COO International,** understand how Objectway, a Top-100 global fintech provider, is helping clients create trusted, connected and accessible data environments that can enable AI-driven innovation, faster insights and more confident decision-making. Learn how an AI-ready data strategy is becoming a critical advantage for organisations looking to drive efficiency, improve customer outcomes and unlock new opportunities in an increasingly intelligent future.
Designed for forward-looking financial professionals, this webinar offers a clear view of how to leverage technology to build more scalable and resilient advisory models.
Save the date and register today **[using the registration form](https://www.intersystems.com/uk/lp/datasummit26/#register)** and consult the full event agenda [here](https://www.intersystems.com/uk/lp/datasummit26/agenda/).
## Event Information
Wednesday, 16th September 2026, Hyatt Regency, 2 Bridge St, Birmingham B1 2JZ, United Kingdom
We’re looking forward to meeting you in Birmingham!
## Speakers
Alberto Cuccu
Alberto leads Objectway’s international operations and is part of the board of directors of the group, as COO for the Objectway UK, Belgium and German entities. With more than 20 years of experience in the financial services industry, Alberto has driven the development of the company’s product offering to deliver an effective value proposition to Objectway’s international markets.
## Related
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[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
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**Categories:** Upcoming
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---
### [Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)
**Published:** September 7, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** The award recognises the Objectway Founder and Group CEO for more than three decades of entrepreneurial leadership and contribution to the evolution of WealthTech across Europe.
**Content:**
[](/news/)
View all News
# Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
The award recognises the Objectway Founder and Group CEO for more than three decades of entrepreneurial leadership, innovation and contribution to the evolution of WealthTech across Europe.
**Milan, 7th September 2026** – Luigi Marciano, Founder and Group **CEO of Objectway, has been named CEO of the Year in the Wealth Technology Industry** at the **European CEO Awards 2026**, recognising his long-standing contribution to the evolution of wealth technology and his leadership in building Objectway into a pan-European WealthTech partner for the financial services industry.
The European CEO Awards acknowledges business leaders who demonstrate outstanding leadership, innovation and meaningful contribution within their respective sectors. The awards are based on an independent editorial assessment of excellence in the field, considering the individuals whose vision and enterprise are actively contributing to the evolution of the European business landscape.
Over more than three decades, Marciano has guided Objectway through some of the wealth management industry’s most significant periods of change – from the early digitalisation of financial services to today’s transformation driven by data, automation and artificial intelligence. His conviction that technology would become a strategic driver of transformation has been central to the development of a modular, end-to-end technology platform designed to evolve with the industry and its clients, supporting banks, wealth managers and asset managers across the full value chain.
According to the European CEO Awards Team, this combination of entrepreneurial vision, technological foresight and the willingness to challenge established thinking has shaped Marciano’s leadership and the growth of the company he founded. His ability to look beyond immediate shifts and make long-term choices – including sustained investment in technology and innovation and Objectway’s expansion across Europe and North America – has helped steer the company’s path and strengthen its position within the wealth technology sector, while reinforcing its role as a long-term partner to financial institutions navigating an ever-evolving market.
Looking back, the journey that is now Objectway may appear linear but trul yit never was. It has been a succession of moments that demanded reinvention – from periods of rapid growth and regulatory change to successive waves of technological innovation. Vision may look obvious in hindsight; Living it is different. It is a continuous process of listening, learning and making course corrections, each one testing whether the north star still held. For me, that purpose has always been clear: to become a strategic partner to our clients and a point of reference across the wealth management value chain.
I am proud and excited to receive this recognition, but above all, I see it as a tribute to the people who have made this journey possible. Objectway’s evolution has been shaped by the people who embraced change and brought their talent, curiosity and commitment to every stage of our growth, by clients who trusted us across their own journey and transformation, and by partners who believed in what we were building together.
[](https://www.linkedin.com/in/luigi-marciano-66b9538/)### Luigi Marciano
CEO, Chair and founder of Objectway
The European CEO Awards assessment also highlighted Marciano’s approach to responsible innovation, particularly his perspective on emerging technologies such as artificial intelligence. His view that technology should amplify human expertise while preserving trust, governance and transparency reflects the importance of balancing innovation with the principles underpinning financial services.
Coming at a time of significant transformation across wealth management, where financial institutions face increasing pressure to combine operational efficiency, personalised client experiences and technological agility, Objectway’s recognition highlights its ongoing commitment to enabling firms navigate complexity and evolve their technology capabilities while remaining focused on the needs of their clients and their businesses.
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[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Press Release
**Tags:** #businessgrowth, #businessreconfiguration, #financialservices, #oneobjectway
---
### [Studie: Veraltete Technologie bremst Wachstum bei Instituten](https://objectway.com/studie-veraltete-technologie-bremst-wachstum-bei-instituten/)
**Published:** September 4, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Banken, Vermögensverwalter und Asset Manager investieren zwar immer mehr Geld in Technologie, doch die steigenden Ausgaben führen nicht automatisch zu besserer Skalierbarkeit.
**Content:**
[](/news/)
View all News
# Studie: Veraltete Technologie bremst Wachstum bei Instituten
4\. September 2026 – Eine Studie von Deloitte und Objectway sieht den Umstieg auf As-a-Service-Modelle als mögliche Lösung.
Banken, Vermögensverwalter und Asset Manager investieren zwar immer mehr Geld in Technologie, doch die steigenden Ausgaben führen nicht automatisch zu besserer Skalierbarkeit. Zu diesem Schluss kommt die Studie „Master complexity to unlock scale“, die Monitor Deloitte gemeinsam mit dem Fintech-Anbieter Objectway veröffentlicht hat.
Demnach sollen die weltweiten Ausgaben für Technologie und operative Prozesse im Finanzsektor von rund €173 Milliarden im Jahr 2025 auf etwa €243 Milliarden im Jahr 2029 steigen. Trotzdem gelingt es bislang nur einem Viertel der Institute, Wachstum von steigenden Kosten zu entkoppeln.
Veraltete Betriebsmodelle bremsen Wachstum
Laut der Studie liegt das Problem weniger in einem Mangel an Investitionen als vielmehr in veralteten Technologie- und Betriebsmodellen. Diese hätten zunehmend Schwierigkeiten, mit regulatorischen Anforderungen, steigenden Kundenerwartungen und einer wachsenden internationalen Komplexität Schritt zu halten.
72% der befragten Finanzinstitute verfügen nach Angaben der Autoren derzeit nicht über ein Betriebsmodell, das nachhaltiges Wachstum ohne gleichzeitig steigende Kosten ermöglicht.
As-a-Service-Modelle gewinnen an Bedeutung
Vor diesem Hintergrund setzen laut Studie immer mehr Finanzhäuser auf sogenannte As-a-Service-Modelle. Dabei werden standardisierte Technologie- und Betriebsprozesse an spezialisierte Anbieter ausgelagert, während sich die Institute auf ihr Kerngeschäft konzentrieren.
Die Studie sieht dabei einen Wandel in der Sourcing-Strategie vieler Institute. Statt zwischen Eigenentwicklung und Outsourcing zu wählen, würden Finanzunternehmen zunehmend hybride Modelle einsetzen, die interne Kompetenzen mit externen Dienstleistungen kombinieren.
Nach Einschätzung der befragten Institute wird die Bedeutung dieser Modelle in den kommenden Jahren deutlich zunehmen. Bei kleinen und mittelgroßen Finanzinstituten soll der Anteil der Häuser, die As-a-Service als primäres Betriebsmodell nutzen, von derzeit 8% auf 31% steigen. Bei größeren Instituten erwarten die Autoren einen Anstieg von 23% auf 47%.
Die möglichen Betriebsmodelle reichen von Hybrid-SaaS-Lösungen bis hin zu Modellen, bei denen Technologie und operative Prozesse vollständig als Service bereitgestellt werden.
KI erhöht den Handlungsdruck
Als zusätzlichen Treiber identifiziert die Studie den zunehmenden Einsatz von Künstlicher Intelligenz. Deren Potenzial lasse sich nur ausschöpfen, wenn Daten, Prozesse und Governance-Strukturen eng miteinander verzahnt seien.
Nach Angaben der Autoren arbeiten bereits 85% der Unternehmen an spezifischen KIGovernance-Rahmenwerken. Gleichzeitig erwarten die Befragten, dass sich der Einsatz sogenannter agentischer KI in den kommenden zwölf Monaten mehr als verdoppeln wird.
Die Studie „Master complexity to unlock scale: the as-a-service imperative for Wealth, Banking and Asset Management“ wurde von Monitor Deloitte und Objectway erstellt. Sie basiert nach Angaben der Herausgeber auf Markt- und Benchmarking-Analysen, Erkenntnissen aus einer gemeinsamen Studie von FT Longitude und Objectway sowie Fallstudien zu Transformationsprojekten im Finanzsektor.
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[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
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Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Article
**Tags:** #artificialintelligence, #efficiency, #financialservices, #operationalefficiency, #owin26, #regulation, #scalability
---
### [Campionato Universitario AI 20268th September 2026](https://objectway.com/campionato-universitario-ai-20268th-september-2026/)
**Published:** September 1, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Once again this year, Objectway is supporting the Campionato Universitario AI, a competition dedicated to STEM students.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Campionato Universitario AI 2026 – AI Based Challenge for STEM Students
8th September 2026 – Once again this year, Objectway is supporting the Campionato Universitario AI, a competition dedicated to STEM students, graduating students, recent graduates, and PhD candidates. Join us at the Milan event to take part in the challenge and meet the experts from the Objectway team.
**[Complete your registration here!](< https://ai2b.games/registrazione >)**
## Agenda
Tuesday, 8th September
9:00 – 18:00
Campionato Universitario AI 2026 – AI Based Challenge for STEM Students
Alessandro Arneodo, Associate Data Scientist, Objectway
Marta Conti, HR Business Partner, Objectway
The Campionato Universitario AI returns this year with a competition for students and recent graduates in STEM disciplines. The challenge will take place across several locations, including the University of Milano-Bicocca on Tuesday, September 8.
Participants will be divided into teams and challenged to develop a solution using AI tools and any other programming language of their choice. Each project will be evaluated by a panel of experts, with a prize awarded to the winning team at the end of the competition.
Objectway will be joining the Milan event with **Marta Conti, HR Business Partner**, and **Alessandro Arneodo, Associate Data Scientist**. They will introduce participants to Objectway, share insights into our company culture and be available to meet students through short one-to-one conversations, providing information about career opportunities for young talents.
**Ready to take on the challenge?** Complete your registration for the Milan event today and check the guidelines at the link below to get ready to compete with original and innovative AI solutions:
## Event Information
Tuesday,8th September 2026, Università degli Studi di Milano-Bicocca, Edificio U6, Piazza dell’Ateneo Nuovo 1, Aula U6-1E – 20126 Milan
We’re looking forward to meeting you in Milan!
## Speakers
Alessandro Arneodo
Alessandro is a Data Scientist in the Objectway Innovation Team in Milan, where he explores how to embed AI into business processes and helps lead AI initiatives from concept to production. He delivers a wide range of solutions, from RAG pipelines and computer vision to cloud analytics and agentic, production-grade LLM applications on modern cloud infrastructure. He brings a distinctive interdisciplinary perspective to tech innovation, bridging collaboration with international teams, business optimization, and cutting-edge technology.
Marta Conti
Marta is an HR Business Partner for Italy. After earning her Master’s degree in International HR Management from Università Cattolica, she began her career as an HR Generalist before advancing into her current role as an HRBP.
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[All](#)[\#financial-planning](#)[\#financialservices](#)[\#oneobjectway](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
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**Categories:** Upcoming-HR
**Tags:** #datascience, #economics, #financialservices, #portfoliomanagement, #riskmanagement
---
### [Join the Future of Fintech: Meet Objectway at Upcoming Career Events in GermanyFeb - Mar 2026](https://objectway.com/join-the-future-of-fintech-meet-objectway-at-upcoming-career-events-in-germany/)
**Published:** January 30, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Meet the Objectway team at our upcoming events! Explore our company culture and find out how our business creates the perfect environment for your talent.
**Content:**
[](/news/)
Back to HR events
# Join the Future of Fintech: Meet Objectway at Upcoming Career Events in Germany
Meet the Objectway team at our upcoming events! Explore our vibrant company culture and find out how our business excellence creates the perfect environment for your talent to thrive. Check-out our calendar below.
At Objectway, we believe that the strength of our global leadership in the financial software industry is built on the brilliance of our people. As we continue to scale our business and innovate the wealth and asset management landscape, we are actively seeking the next generation of talent to grow with us.
Catch Us Near You: Q1 2026 Event Calendar
We are excited to participate in several upcoming career fairs. Whether you are a student, or a recent graduate interested in our industry partnerships, come visit our booth to discuss our open positions and career paths at Objectway.
- February 11, 2026 – Gymnasium Kirchseeon – Career Orientation Day
- February 24, 2026 – Realschule Poing – Vocational Training Fair
- March 13, 2026 – Gymnasium Erding – Talent Networking Event
- March 19, 2026 – Realschule Ebersberg – Local Career Forum
Your Journey Starts Here
Our recruitment team is eager to meet motivated individuals ready to make an impact in the Fintech space. We are looking for curious minds, problem solvers, and team players who share our passion for excellence.
Explore our current vacancies and submit your application directly through our .
We look forward to meeting you in person! Visit our booth to share your aspirations and discover the exciting career opportunities waiting for you at Objectway.
## Related
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[„Deutschland ist noch etwas altmodisch unterwegs“](https://objectway.com/abn-amro-und-hauck-aufhauser-lampe-fusionieren-zur-drittgrosten-privatbank-deutschlands/)[Article](https://objectway.com/category/article-genitore/article-glo/)### „Deutschland ist noch etwas altmodisch unterwegs“
4 August 2026
[Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen](https://objectway.com/skalierungslucke-warum-ki-investitionen-an-der-kundenschnittstelle-verpuffen/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen
4 August 2026
[OWIN26: as-a-service e AI per trasformare la complessità in efficienza](https://objectway.com/owin26-as-a-service-e-ai-per-trasformare-la-complessita-in-efficienza/)[Article](https://objectway.com/category/article-genitore/article-glo/)### OWIN26: as-a-service e AI per trasformare la complessità in efficienza
8 July 2026
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**Categories:** HR Events
**Tags:** #digitaltransformation, #softwaredevelopment, #technology
---
### [Building integrated ecosystem across the value chainClient from 2006](https://objectway.com/building-integrated-ecosystem-across-the-value-chain/)
**Published:** July 30, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Connecting Credit Agricole's businesses through one interoperable ecosystem, enabling scalable growth, regulatory compliance and operational excellence.
**Content:**
[](/success-stories/)
View all Success Story
# Creating value through partnership: building integrated ecosystems across the value chain
Indosuez Wealth Management, in private banking (client since 2025), Amundi SGR, as the product factory (client since 2006), and CACEIS Investor Services, in asset servicing (client since 2021), form a closely connected ecosystem in Italy. Their business models are deeply interconnected, making integration not only an operational requirement but a way to coordinate specialised entities through shared services and interoperable technology platforms. Together, they are part of Crédit Agricole Group, for which Italy is the second-largest domestic market after France.
Connecting Credit Agricole’s businesses through one interoperable ecosystem, enabling scalable growth, regulatory compliance and operational excellence.
As one of the largest financial groups in the world, Crédit Agricole operates across multiple business lines, service models, geographies and regulatory frameworks. Over time, as the organisation expanded in scale and complexity, the need for greater efficiency, scalability and integration grew with it. The challenge was clear: to connect different businesses, entities and markets without increasing fragmentation and operational complexity.
Large financial groups are becoming more complex and multi-business. It is key to understand how you connect different businesses, different entities and different markets without increasing complexity. Partnerships can transform fragmentation into an integrated ecosystem.
[ ](https://objectway.com/)### Gianbattista Geroldi
CEO Italia, Objectway
To support this ecosystem, Crédit Agricole partnered with Objectway, connecting these independent businesses through dedicated platform capabilities as a unified operational backbone. Built progressively over more than twenty years, the relationship evolved entity by entity, adapting to the operational and regulatory requirements of each business line while maintaining interoperability across the wider Group architecture.
For Amundi, a Discretionary Portfolio Management Platform in SaaS connects the product factory to its distribution networks across institutional, private and retail clients.
For CACEIS, a Transfer Agent Platform combined with investment compliance services addresses the Italian market specificities that global infrastructure alone cannot cover.
For Indosuez, a Banking Solution in BPaaS delivers taxation, regulatory reporting and external asset management, serving as the compliance backbone for a market with over 120 annual regulatory submissions to Italian authorities.
The impact of this model now extends across the entire value chain. Interoperability across the ecosystem has progressively reduced duplication, improved operational integration and strengthened collaboration between the entities.
## Business Benefits
Successful expansion and operational scaling in Italy
Reduced fragmentation across business entities
Improved regulatory compliance and operational efficiency
Faster innovation delivery, including tokenized fund initiatives
Enhanced interoperability across wealth, asset management, and custody services
A true technology partner is not just a service provider, it is the glue that enables interoperability between the product factory, private banking and custodian banks.
[ ](https://www.amundi.it/investitori_privati)### Lara Boccotti
Deputy COO, Amundi SGR
Objectway was the best-in-class platform: a market leader, well-connected with a large number of distributors, and already trusted by major asset managers. That integration with Amundi was key for us to enter the Italian market.
[ ](https://www.caceis.com/)### Giorgio Solcia
Country Managing Director, CACEIS Bank
We needed a partner with specific characteristics: international solidity combined with flexibility to customisation, and vertical experience to support our local team in maintaining compliance with regulatory requirements over time. We found these characteristics in Objectway. But this is not an arrival point — it is the start of a new journey.
[ ](https://italy.ca-indosuez.com/en)### Simona Feudatari
Chief Operating Officer, Indosuez Wealth Management Italia
[Play Video](https://vimeo.com/1196627554?share=copy&fl=sv&fe=ci)[Play Video ](https://vimeo.com/1196627554?share=copy&fl=sv&fe=ci)
Indosuez Wealth Management, the global private banking brand, Amundi, Europe’s largest asset manager, and CACEIS, a leading asset servicing provider, together deliver integrated wealth management, investment management, custody and fund administration services to institutional and private clients worldwide. They are all part of the Crédit Agricole Group, one of Europe’s leading financial institutions.
[Alternative Fund Administration](/fund-administration/)
[Transfer Agent](/fund-administration/)
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**Categories:** Success Story
**Tags:** GLO
---
### [Scaling bank consolidation: a blueprint for growthClient from 2003](https://objectway.com/scaling-bank-consolidation-a-blueprint-for-growth/)
**Published:** July 30, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** A platform-driven transformation enabling scalable bank consolidation, operational efficiency, regulatory compliance and sustainable cross-border growth.
**Content:**
[](/success-stories/)
View all Success Story
# Scaling bank consolidation: a platform blueprint for efficiency, stability and future growth
Client from 2003, ABN AMRO Bank N.V., Securities Services is a leading Dutch bank and a trusted provider of custody and securities services, offering institutional clients a comprehensive range of solutions across global custody, asset servicing, clearing, and collateral management. ABN AMRO is supported by advanced technology, local market expertise, and a client-focused approach.
A platform-driven transformation enabling scalable bank consolidation, operational efficiency, regulatory compliance and sustainable cross-border growth.
ABN AMRO has a long history of growth through consolidation. In Germany, that journey is entering a new phase with the acquisition of Hauck Aufhäuser Lampe, bringing together four business units across multiple countries and creating the foundation for the third largest private bank in the market. The challenge is no longer just to close a single deal, but to turn a structurally complex landscape – different geographies, products, client structures and regulatory environments – into a scalable integration capability that can support further organic and inorganic growth.
Together with Objectway, ABN AMRO has chosen to approach the HAL integration as a platform‑driven transformation rather than a traditional data migration. Both institutions were already running on Objectway’s core banking platform, but their environments had evolved independently over time, creating two different cores shaped by distinct business priorities. The integration journey is about standardising both environments onto the ABN AMRO core banking target architecture in Germany, so that products, pricing, client relationships and regulatory workflows run on a single, coherent platform. Phased migrations and embedded governance ensure that this transition happens in a controlled way, with full data traceability and compliance with ECB, BaFin and DORA requirements. The model also establishes a repeatable integration blueprint for future acquisitions.
The impact of this model is already clear. ABN AMRO Germany now works towards a single target architecture instead of a hybrid setup, with a phased plan running through 2028. The new platform will support cross‑border activity across Germany, the Netherlands and Luxembourg on a common core, turning consolidation from an exceptional one‑off project into a repeatable capability and a structural advantage for the third‑largest private bank in Germany.
## Business Benefits
Established a unified target architecture
Reduced integration risk and operational complexity
Enabled scalable cross-border operations
Defined a clear multi-year migration roadmap
Created a repeatable platform model for faster and lower-risk future acquisitions
A merger is never “just” a technical migration. A successful migration brings together clients, products, employees, and technology, all moving in sync to unlock real, long-term value. In our joint journey integrating two leading banks in Germany — HAL and ABN AMRO — the focus goes beyond connecting systems. It’s about trusted partnership, alignment, and a shared ambition across every layer.
[ ](https://www.abnamro.com/en/home)### Eric van der Deijl
Country Operating Officer, ABN AMRO Bank
Consolidation creates a real challenge for banks. On one side, they must unlock synergies and simplify their IT landscapes. On the other side, they must meet regulatory requirements. That is why we focus on a scalable integration approach: one platform, one data model and one governance framework. By doing this, banks can integrate acquisitions more efficiently, reduce complexity and avoid the risk of fragmented IT systems.
[ ](https://objectway.com/)### Karl im Brahm
CEO DACH Region, Objectway
Innovation Built to Scale: The OWIN26 Podcast
During the latest Objectway Customer Conference, OWIN26, Leaders in Finance spoke with C-Level leaders and senior decision makers from across European Financial Services Industry.
In this episode, Eric van der Deijl, ABN AMRO Bank Country Operating Officer and Karl im Brahm, Objectway CEO DACH Region, address strategic priorities such as efficiency, resilience, and the tangible impact of AI, while also examining ABN AMRO’s integration of Hauck Aufhäuser Lampe and the management of complexity in major transformation programs.
Discover expert perspectives on how AI, operational resilience, and large-scale transformation are redefining the financial services landscape. Explore the full conversation for strategic insights and practical considerations.
[LEARN MORE](/a-conversation-on-ai-resilience-and-large-scale-transformation/)
ABN AMRO is one of the Netherlands’ leading financial institutions, providing retail, private, corporate, and wealth banking services. The bank serves individuals, entrepreneurs, and institutional clients, with a strong focus on sustainable finance and digital innovation. Through its Wealth Management division, ABN AMRO supports affluent and high-net-worth clients with investment, advisory, and financial planning solutions across the Netherlands and selected international markets.
[Alternative Fund Administration](/fund-administration/)
[Transfer Agent](/fund-administration/)
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**Categories:** Success Story
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---
### [Operational foundations for scalable fund servicesClient from 2014](https://objectway.com/operational-foundations-for-scalable-fund-services/)
**Published:** July 30, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Empowering BNP Paribas Securities Services in Italy to elevate Client Service Experience and achieve Operational Excellence.
**Content:**
[](/success-stories/)
View all Success Story
# Operational foundations for scalable fund services: efficiency, resilience and service-oriented platforms
BNP Paribas SA, (Italian Branch) Securities Services Division, client from 2014 – The Securities Services business line of BNP Paribas is the largest Custodian in Europe, and ranked #5 globally, providing its clients with Securities Services solutions closely integrated with the best-in-class capabilities of the Group’s other business lines. These include treasury financing and advisory, and global markets solutions.
Empowering BNP Paribas Securities Services in Italy to elevate Client Service Experience and achieve Operational Excellence.
BNP Paribas Securities Services is a leading asset servicing provider in Italy, with a clear ambition: strengthen its role alongside the Italian asset management industry. In 2020, that ambition met a structural constraint. The divestment of critical operational services opened a gap in its ability to fully support asset managers leaving the organisation with a strategic dilemma.
BNP Paribas chose partnership. Together with Objectway as technology partner, the bank built a full BPaaS outsourcing model for the Italian asset management industry, covering depositary, fund administration and transfer agent services for both UCITS and alternative funds. The joint operating model combines standardisation and scale with the flexibility to support different service models and client needs, powered by a secure, compliant platform with API integration, artificial intelligence and continuous evolution at the core of its proposition.
On this foundation, the partnership now supports a large share of the Italian asset management industry. The platform runs around €120 billion in assets, administers more than 25 million retail investor accounts and supports 350 funds across five major Italian players through a single, coherent operating model. Building on this, BNP Paribas and Objectway are extending their collaboration into private markets with a dedicated fund accounting solution, positioning the partnership to support an industry that is moving toward more mature market structures, with technology, scalability, regulatory compliance and continuous innovation embedded into the operating model.
## Business Benefits
Creation of a future-ready platform capable of evolving with market and regulatory changes
Operational resilience combined with technology flexibility
Broad coverage across the Italian asset management industry
Increased scalability, efficiency, and operational control
Strong foundation for long-term innovation and growth
As part of a global organisation, the big dilemma was whether to localise our global operating model into the local footprint or to identify a local provider that was scalable and had the right mindset to support our growth.
[ ](https://group.bnpparibas/en/)### Andrea Cattaneo
Head of Italy, Switzerland & Iberia, Securities Services at BNP Paribas
Today clients need to increase their volumes and keep cost, risk and operations under control. And at the same time clients operate between two drivers: on one side, they look for standardisation and security; on the other side, they need customisation and operational agility. This is what we call the operational efficiency paradox.
[ ](https://objectway.com/)### Gianbattista Geroldi
CEO Italia, Objectway
Innovation Built to Scale: The OWIN26 Podcast
Scalability has become one of the most pressing challenges for the wealth and asset management industry. In an increasingly regulated and highly competitive environment, firms are expected to achieve sustainable growth while maintaining operational efficiency, security, and the ability to deliver personalized services.
These topics take center stage in this episode of the OWIN26 Podcast series. Paola Ragno, journalist at WeWealth, moderates the discussion between Giambattista Geroldi, CEO of Objectway Italy, and Andrea Cattaneo, Head of Italy, Switzerland and Iberia, Security Services at BNP Paribas.
Discover how scalability is becoming a strategic imperative for wealth and asset managers. Explore the full conversation to gain expert perspectives on technology, long-term partnerships, and the future of sustainable growth.
[LEARN MORE](/wealth-e-asset-management-perche-la-scalabilita-e-la-nuova-sfida/)
BNP Paribas is a multi-asset servicing specialist committed to help its clients achieve their ambitions both in terms of investments and cross-border distribution. The Securities Services division of BNP Paribas is one of largest Custodian in Europe, and ranked #5 globally, providing its clients with Securities Services solutions closely integrated with the best-in-class capabilities of the Group’s other business lines. These include treasury financing and advisory, and global markets solutions.
[Alternative Fund Administration](/fund-administration/)
[Transfer Agent](/fund-administration/)
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**Categories:** Success Story
**Tags:** GLO
---
### [Designing advisory innovation beyond productsClient from 2022](https://objectway.com/designing-advisory-innovation-beyond-products/)
**Published:** July 30, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Zurich Bank partners with Objectway for a win-win collaboration enhancing the bank’s operating model with an innovative digital advisory platform.
**Content:**
[](/success-stories/)
View all Success Story
# Proposition innovation beyond products: designing the future of advisory
Client from 2022 – Established through the Zurich Group’s acquisition of the Deutsche Bank Financial Advisors network, Zurich Bank emerges as the new banking arm of the Zurich Group. This integration seamlessly combines advanced technology, best products and top-tier consulting. Representing a consultative model of excellence, Zurich Bank offers a synergistic range of investment, insurance, banking, and financial services.
Zurich Bank partners with Objectway for a win-win collaboration enhancing the bank’s operating model with an innovative digital advisory platform
Zurich Bank was built from the ground up. Established as the first newly licensed bank in Italy in over two decades, it entered the market free from legacy constraints and with a clear ambition: to move beyond the product-centric, branch-based model that has long defined the industry and build a scalable, adviser-centric proposition capable of attracting, retaining and empowering a growing network of financial advisors.
Turning this ambition into reality meant rethinking the architecture of the bank around advisors. Zurich Bank adopted a composable services model that integrates data management, analytics, governance and advisory tools into a single cohesive environment, with the flexibility to plug in best-in-class external components over time. The platform evolved through successive phases, from reporting and analytics to curated partnerships and dedicated advisor tools, and today proprietary personalisation engines support a holistic proposition that combines investments, planning and value-added services. A core design principle runs through the entire approach: automation exists to free advisor capacity, reducing analytical and administrative burdens so that relationships, trust and judgment can scale without sacrificing quality.
This strategy is delivering measurable outcomes. Assets under management grew by roughly 35% in four years, positioning Zurich Bank among the top performers in its segment and ensuring consistent, personalised advisory quality across client segments and life stages. Building on this foundation, Zurich Bank is expanding hybrid and fee-based advisory capabilities, including self-service options, with a clear ambition to set a new standard for advisory banking in Italy and beyond.
## Business Benefits
Shift toward holistic, goal-based advisory services
Strong market positioning among new banking entrants
Increased advisor productivity through automation and insights
Scalable, consistent, and personalised advisory delivery
Enhanced client experience across segments
The core for us was to bring exclusive value to financial advisers — in addition to the advisory model, the main element that helps us do that is the platform, the technology element.
[ ](https://www.zurichbank.it/)### Omar Campana
Chief Operating Officer of Zurich Italy Bank
Technology is the infrastructure of the adviser model. It integrates governance, compliance and data analysis, and allows advisers to give better advice and create more value for clients, without replacing the human touch.
[ ](https://objectway.com/)### Nicola Pepè
Business Development Director, Objectway
The Zurich Group is a leading multinational insurance company headquartered in Zurich, Switzerland, providing a wide range of insurance products and services with a focus on innovation and sustainability. Established through the Zurich Group’s acquisition of the Deutsche Bank Financial Advisors network, Zurich Bank emerges as the new banking arm of the Zurich Group, offering a synergistic range of investment, insurance, banking, and financial services.
[Alternative Fund Administration](/fund-administration/)
[Transfer Agent](/fund-administration/)
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**Categories:** Success Story
**Tags:** #bankingadministration, #customerexperience, #financialservices, #portfoliomanagement, advisory
---
### [Scaling client experience excellenceClient from 1996](https://objectway.com/scaling-client-experience-excellence/)
**Published:** July 30, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** One of the UK's top three wealth managers, Rathbones delivers highly personalised, adviser-led service with consistency across generations.
**Content:**
[](/success-stories/)
View all Success Story
# Scaling client experience excellence: preserving heritage, enabling future growth
Client from 1996 – Leading UK investment manager with more than £113.6 billion FUMA.
Rathbones Group Plc provides individual investment and wealth management services for private clients, charities, trustees and professional partners. They have been trusted for generations to manage and preserve their clients’ wealth.
Based on a long-standing partnership spanning 25 years, Objectway has supported Rathbones Group Plc on its evolutionary journey by providing a core asset servicing platform, the launch of a completely new multi-channel Client Portal and MyRathbones app.
As one of the UK’s top three wealth managers, Rathbones has long defined its brand around a simple but demanding promise: highly personalised, adviser-led service, delivered with consistency across generations.
As the business grew in scale and complexity, sustaining that promise required something more than commitment. It required architecture. The challenge was not choosing between efficiency and personalisation, but building the conditions in which both could advance together.
Objectway addressed this through a scalable, AI-enabled platform that integrates front-end channels, core systems and advisory processes into a single operating model. Built around a 360-degree client view and a continuous delivery approach, the platform evolves in lockstep with business priorities, guided by real-time analytics and direct client feedback, ensuring adaptability is by design, not by exception.
The results are already tangible. The MyRathbones platform has achieved strong active user adoption, and Rathbones now holds the highest Trustpilot score in UK wealth management. Operational efficiency has improved through AI integration and streamlined systems, while the platform’s scalability has provided a reliable foundation for sustained business growth. The next phase of innovation is already underway, advancing human-centred design, AI-powered self-service and conversational interfaces to serve a broader, more diverse client base.
## Business Benefits
63% digital penetration
Increased digital engagement
Improved efficiency and faster delivery
Strong client satisfaction (4.9 Trustpilot)
Scalable model supporting growth and M&A
We are in a model that has made personalisation and client experience truly the core of what it offers to clients. But this can be easily unseated as the industry consolidates and as players scale, if personalisation gets replaced by standardisation.
[](https://www.rathbones.com/en-gb/wealth-management/mvt)### Simonetta Rigo
Chief Client Officer, Rathbones
Scalability must be designed from day one, starting from a solid operational foundation and evolving into an adviser-centric digital model — orchestrating a front-to-back integration, connecting in real-time digital capabilities with core systems and advisory processes, creating one operating model rather than separate digital and operational layers.
[ ](https://objectway.com/)### Laura Faverzani
CEO Canada and Managing Director – Digital Client Management, Objectway
[Play Video](https://vimeo.com/manage/videos/1212245319)[Play Video ](https://vimeo.com/manage/videos/1212245319)
Established in 1742, Rathbones Group Plc has undergone a remarkable transformation from a family business to an independent FTSE 250 public company, being now one of the UK’s leading providers of investment management services for individuals, charities and professional advisers. This includes discretionary investment management, unit trusts, tax planning, trust and company management, financial planning and banking services. Rathbones manages £68.2 billion of assets (as at 31 December 2021). Rathbones has over 1,900 staff in 15 locations across the UK and Jersey.
[Advisor and Investor Portal](/advisor-and-investor-portal/)
[Securities back-office](/securities-back-office/)
[Wealth Managers](/wealth-managers/)
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**Categories:** Success Story
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---
### [A Strategic partnership enhancing the Client Experience and driving digital successClient from 1996](https://objectway.com/rathbones-driving-digital-success-through-strategic-partnership/)
**Published:** June 20, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway has supported Rathbones Group Plc on its evolutionary journey by providing a core asset servicing platform, the launch of a completely new multi-channel Client Portal and MyRathbones app.
**Content:**
[](/success-stories/)
View all Success Story
# A Strategic partnership enhancing the Client Experience and driving digital success
Client from 1996 – Leading UK investment manager with more than £113.6 billion FUMA.
Rathbones Group Plc provides individual investment and wealth management services for private clients, charities, trustees and professional partners. They have been trusted for generations to manage and preserve their clients’ wealth.
Based on a long-standing partnership spanning 25 years, Objectway has supported Rathbones Group Plc on its evolutionary journey by providing a core asset servicing platform, the launch of a completely new multi-channel Client Portal and MyRathbones app.
Rathbones Group Plc’s innovation initiative revolved around a strategic intent to engage prospects and clients through a full lifecycle digital multi-channel approach, streamlining processes, reducing complexity, increasing client satisfaction and loyalty.
Leveraging Objectway Business Innovation Matrix\*, the solution has been delivered building a multi-channel portal & mobile application where the client can access and consume personalised investment content, configured for prospecting to servicing the long-term client relationship.
\* The Business Innovation Matrix captures the areas of Value Creation (Experience, Offering, Configuration, under the umbrella of Sustainability) and how they are interconnected to generate successful and sustainable innovation across the entire value chain, that is a game changer for the firm and the end-clients.
Implemented in 2020 and enhanced further throughout 2021, MyRathbones came into being with a brand-new client web portal followed by two mobile apps, built upon Objectway Platform to be developed and integrated with existing technology.
To date, MyRathbones has over half of Rathbones Group Plc’s entire client base registered and actively using and accessing the service more than 6 times per month on average, downloading tens of thousands of investment reports quarterly.
With 16 successful upgrades, MyRathbones showcases Rathbones Group Plc’s commitment to enhancing the client experience. It drives paperless initiatives and includes the provision of rich content, offering investment insights and information across multiple channels, increasing client engagement and providing valuable resources for their benefit.
The client facing digital service powered by Objectway allows Rathbones Group Plc to engage its prospects and clients through fully digital life cycle, positioning as a standout leader in channels, client engagement, and overall product value.
## Business Benefits
Increase digital processes without disruption, according to clients’ needs and preferences
Improve wealth mangers’ capacity and efficiency
Reduce complexity and improve richer management information
Align client journey across financial planning and investment teams
Over the last two years, Objectway has proven to be a reliable partner in terms of solution design and execution for key components of our digital strategy. We are happy to confirm them as a strategic partner for our future digital transformation plans.
[ ](https://www.rathbones.com/en-gb/wealth-management/mvt)### Andy Brodie
Chief Operating Officer, Rathbones Group Plc
Key to our success today has undoubtedly been this close partnership we have forged with the Objectway team, built upon a deep mutual understanding that ensures that client experience is at the absolute heart of our collaboration.
[ ](https://www.rathbones.com/en-gb/wealth-management/mvt)### Mark Watson
Product Owner, Rathbones Group Plc
[Play Video](https://vimeo.com/manage/videos/837605360)[Play Video ](https://vimeo.com/manage/videos/837605360)
Established in 1742, Rathbones Group Plc has undergone a remarkable transformation from a family business to an independent FTSE 250 public company, being now one of the UK’s leading providers of investment management services for individuals, charities and professional advisers. This includes discretionary investment management, unit trusts, tax planning, trust and company management, financial planning and banking services. Rathbones manages £68.2 billion of assets (as at 31 December 2021). Rathbones has over 1,900 staff in 15 locations across the UK and Jersey.
[Alternative Fund Administration](/fund-administration/)
[Transfer Agent](/fund-administration/)
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
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**Categories:** Success Story
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---
### [Partnering, strategically: a story of business scalability and profitabilityClient from 2014](https://objectway.com/a-strategic-partnership-to-enhance-client-experience-and-optimize-business-reconfiguration-kbc-securities-services/)
**Published:** December 15, 2020
**Author:** Silvia Boccuzzi
**Excerpt:** Leveraging Objectway Business Innovation Matrix* allowed KBC Securities Services to develop a fully integrated solution design for the client lifecycle management.
**Content:**
[](/success-stories/)
View all Success Story
# Partnering, strategically: a story of business scalability and profitability
Client from 2014 – A member of the Belgian KBC Group, KBC Securities Services is a global player in securities services, providing integrated solutions for banks, brokers and wealth managers through three cornerstone services, namely Business Process Outsourcing (BPO), Brokerage and Custody and Wealth Management.
A strategic partnership to enhance the client experience and optimize business configuration.
KBC Securities Services’ innovation initiative revolved around leveraging digital transformation intelligently integrating into their solution design to enable wealth managers to introduce and execute new discretionary mandates for their clients more quickly.
Leveraging Objectway Business Innovation Matrix\*, it has been delivered developing a fully integrated solution design for the client lifecycle, covering intelligent data capture and authorization for onboarding, proposal generation and account opening.
\* The Business Innovation Matrix captures the areas of Value Creation (Experience, Offering, Configuration, under the umbrella of Sustainability) and how they are interconnected to generate successful and sustainable innovation across the entire value chain, that is a game changer for the firm and the end-clients.
In the face of increasing regulations, demanding customers, product diversification and technological evolution, our client was on a mission to reconfigure their business with the goal of enhancing profitability and scalability. They were looking for a strategic partner to address areas where they needed expertise, particularly in the front-end client-facing applications and portfolio management.
The Objectway Platform was implemented to digitalize the full onboarding process for independent, Benelux-based wealth managers who rely on KBC Securities Services to safeguard their clients’ investment portfolios, transforming it from labour-intensive paper-based approach to an automated process.
A core aspect of this transformation was the automation of investment proposal generation and seamless submission across multiple channels, which guarantees clients a personalized and streamlined experience. Consequently, KBC Securities Services replaced its manual data input system with Objectway’s innovative solution.
Objectway and KBC focused on further improving the customer experience by creating additional value in the investment proposal track. This endeavour involved the seamless integration of KBC’s interface with Objectway Portfolio Management solution, resulting in enhanced portfolio-level tasks and significantly improved client-facing tooling for KBC.
These initiatives have resulted in smoother client experiences and improved operational efficiency. Our client now offers wealth managers a drastic reduction in onboarding time. On the operational side, the system’s integration ensures that documents are authentic, digitally signed, and compliant with regulatory requirements, instilling confidence in the accuracy and reliability of the data.
This smart digital onboarding process from software provider Objectway enables us to offer the clients of independent wealth managers a future-proof service, thus increasing productivity and efficiency while maximising client experience.
[](https://www.kbcsecurities.com/en.html)### Annelies Verbiest
General Manager, KBC Securities Services
Our strategic partnership worked wonders – our scalability and results have increased! Our assets under custody experienced remarkable growth over the years, with consistent positive trends in both income and assets. The proof of our increased scalability lies in the divergence between our total income and total costs, a sure sign of success.
[](https://www.kbcsecurities.com/en.html)### Maarten De Clerck
Head of Product Development, KBC Securities Services
## Business Benefits
Increase digital processes without disruption, according to clients’ needs and preferences
Improve digital client onboarding and re-onboarding
Reduce complexity and improve richer management information
Increase advisers’ productivity and efficiency
Perfect processing throughput times and data quality
[Play Video](https://vimeo.com/851312596?share=copy)[Play Video ](https://vimeo.com/851312596?share=copy)
Part of KBC Bank, a Belgian renowned banking & insurance group and the processing center for all securities handling within KBC in Belgium, KBC Securities Services is a cornerstone business line within KBC Group and a leading player in the securities processing market. They offer integrated brokerage & custody solutions to European banks, brokerage houses and independent wealth managers, alongside Depositary Bank services to funds and complete back-office functions in Business Process Outsourcing. Their proposition supports the full investment lifecycle, from investor onboarding until corporate actions and beyond.
[Client Lifecycle Mgmt & Onboarding](/client-lifecycle-management-onboarding/)
[Investment Services](/investment-service-bankling-asset-and-wealth-service-solutions/)
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**Categories:** Success Story
**Tags:** GLO
---
### [Smart Assistant for Digitally Assisted InvestmentsClient from 2014](https://objectway.com/smart-assistant-for-digitally-assisted-investments_kbc-bolero/)
**Published:** July 27, 2020
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway supports the market launch of the new roboadvisory service, Matti from Bolero, the KBC's digital robotised investment advice platform.
**Content:**
[](/success-stories/)
View all Success Story
# Smart Assistant for Digitally Assisted Investments
Client from 2014 – One of the leading players of Belgium’s online brokerage market, KBC Bolero has been elected best online broker year after year from 2015 to 2019 by the visitors of bankshopper.be. Bolero is part of KBC Bank – a premiere Belgian-based bank with more than 3.5 million clients and 518 bank branches across the country – and offers a sharp-cost solution for private investors who want to manage their investments themselves online.
The aim of implementing this project is to potentiate and complement the existing execution-only Bolero platform, broadening its reach through roboadvisory services towards the retail market.
Objectway supports the market launch of the new roboadvisory service, Matti from Bolero, the KBC’s digital robotised investment advice platform.
Objectway provides portfolio management, rebalancing and proposal generation capabilities in an ‘as-an-engine’ model towards Matti.
Portfolio Management component can be used as a multi-purpose application, both for wealth managers’ discretionary portfolio management, and for self-directed investment management.
We always strive for the best possible and most performant solutions for our self-directed investors. We are always looking for solid partners with a proven track record to support us in realising our commitment towards our customers. Hence the choice for Objectway was an obvious one.
[](https://www.novobanco.pt/)### Werner Eetezonne
CEO, Bolero
## Business Benefits
Broaden the reach of roboadvisory services to acquire retail clients
Attract existing clients to self-directed investments
Potentiate and complement the existing execution-only platform
Evolve in the area of digital robotised investment advice
Bolero is the online investment platform of KBC Bank and one of the leading players of Belgium’s online brokerage market. Since 2015, Bolero has been elected best online broker by the visitors of bankshopper.be, year after year. Since 1999, Bolero offers a sharp-cost solution for private investors who want to manage their investments themselves online. Matti is Bolero’s new, smart investment assistant. Matti from Bolero is a digital robotised investment advice platform.
[Portfolio Management & Trading](/portfolio-management-and-trading/)
[Retail Banks](/retail-banks/)
[Investment Platforms](/investment-platforms/)
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**Categories:** Success Story
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---
### [A brand-new, democratic advisory modelClient from 2015](https://objectway.com/mediobanca-premier-and-the-implementation-of-a-competitive-hybrid-advisory-model/)
**Published:** January 24, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway enabled CheBanca! to offer a native multichannel service with the adoption of a competitive hybrid advisory model.
**Content:**
[](/success-stories/)
View all Success Story
# A brand-new, democratic advisory model
Client from 2015 – CheBanca! is the multichannel retail bank of the Mediobanca Group. Emerged as the first digital native bank within the Italian market, today it manages over €33,7 bn in total financial assets and €17 bn in AUM/AUA.
Chebanca! identified the hybrid advisory model as the best and most competitive fit for the demand for consumer advice
Chebanca! aimed at attracting next-gen and mass affluent investors, along with democratising advisory services that were traditionally reserved to the private banking world and deploying an automated hybrid advisory platform providing a unique client experience.
Objectway enabled CheBanca! to offer a native multichannel service providing customers with a simple, intuitive, and transparent product offering, and an innovative & distinctive advisory service.
Today, CheBanca! manages, on average, more than 600 investment proposals per day, increasingly offering customers a new concept in banking by making wealth management much more accessible and more client-oriented for the mass affluent segment.
## Business Benefits
Enable hybrid/fully flexible advisory and constant monitoring
Encourage money transfer from low-yielding cash accounts to investments
Democratise advisory services
Assure suitability according to MiFID II requirements
The digital transformation will provide additional input for improving customer service anytime, anywhere. The model chosen by CheBanca! is to develop more and more advanced hybrid advisory services.
[ ](https://www.mediobancapremier.com/)### Mediobanca Premier
Gruppo Mediobanca
Born in 2008, CheBanca! is the multichannel, digital retail bank of the Mediobanca Group, Italy’s leading Investment Bank. CheBanca! further accelerated the growth process over the years and focused its attention on consolidating the Wealth Management area of the Mediobanca Group by strengthening the commercial structures serving Affluent and Premier customers.
[Digital Investment Advisory](/discretionary-portfolio-management/)
[Advisor Portal & Apps](/advisory-services/)
[Retail Banks](/execution-only/)
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**Categories:** Success Story
**Tags:** #digital-change, #hybridadvisory, #investmentmanagement, #portfoliomanagement, #technology, #wealth-management
---
### [Digital wellbeing advisory: A strategic guide for client investmentClient from 2022](https://objectway.com/digital-wellbeing-advisory-a-strategic-guide-for-client-investment-2-years-partnership/)
**Published:** December 13, 2023
**Author:** Lorenzo Noventa
**Excerpt:** Zurich Bank partners with Objectway for a win-win collaboration enhancing the bank’s operating model with an innovative digital advisory platform.
**Content:**
[](/success-stories/)
View all Success Story
# Digital wellbeing advisory: A strategic guide for client investment
Client from 2022 – Established through the Zurich Group’s acquisition of the Deutsche Bank Financial Advisors network, Zurich Bank emerges as the new banking arm of the Zurich Group. This integration seamlessly combines advanced technology, best products and top-tier consulting. Representing a consultative model of excellence, Zurich Bank offers a synergistic range of investment, insurance, banking, and financial services.
Zurich Bank partners with Objectway for a win-win collaboration enhancing the bank’s operating model with an innovative digital advisory platform
Our client had an innovation ambition centred around providing reliable and holistic financial advice across wealth, real estate, protection aspects, and generational transition through a dynamically evolving Advisory platform. The project’s objectives included both qualitative and quantitative analysis of client portfolios, along with the calculation of historical performance.
Objectway, in partnership with Accenture FAST, supported Zurich Bank by implementing a comprehensive Digital Advisory platform strategically structured around three key principles: Customer-centricity, financial advisory focus, and advanced holistic consultancy.
Key business areas successfully covered included: Portfolio Diagnosis, involving both qualitative and quantitative portfolio analysis; Advisory, wherein dedicated and personalized service models were crafted for distinct customer segments; Client Reporting, featuring advanced and configurable reporting, along with the seamless integration of historical data and performance calculation; Suitability, establishing an integrated model grounded in quantitative metrics and portfolio quality control.
## Business Benefits
Increased Customer Satisfaction and Retention
Gain a strategic advantage, foster customer loyalty and achieve sustained growth
Through a new platform, we have served our entire customer base, generating thousands of orders in these first 12 months. This has activated what effectively represents Zurich Bank’s first IT asset, developed in collaboration with leading players in the technology sector, with the goal of continuing to evolve our offering. We have involved the network of financial advisors in the transformative roadmap going beyond customer listening: together with the advisors, we have built, in a shared mindset, an offering that adapts to the needs of our most important clients, with a sophisticated open-architecture consulting model.
[ ](https://group.bnpparibas/en/)### Omar Campana
Chief Operating Officer of Zurich Italy Bank
The Zurich Group is a leading multinational insurance company headquartered in Zurich, Switzerland, providing a wide range of insurance products and services with a focus on innovation and sustainability. Established through the Zurich Group’s acquisition of the Deutsche Bank Financial Advisors network, Zurich Bank emerges as the new banking arm of the Zurich Group, offering a synergistic range of investment, insurance, banking, and financial services.
[Alternative Fund Administration](/fund-administration/)
[Transfer Agent](/fund-administration/)
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**Categories:** Success Story
**Tags:** #bankingadministration, #customerexperience, #financialservices, #portfoliomanagement, advisory
---
### [Innovating Private Banking services for a digital investment experience Client from 2022](https://objectway.com/innovating-private-banking-services-for-a-digital-investment-experience/)
**Published:** June 11, 2024
**Author:** Lorenzo Noventa
**Excerpt:** Objectway helped Bank Nagelmackers to enhance and deliver first-class private banking services, meeting high operational, business and digital ambitions.
**Content:**
[](/success-stories/)
View all Success Story
# Innovating Private Banking services for a digital investment experience
Client from 2022 – Belgium-headquartered Bank Nagelmackers, the oldest in the country, is a reference financial institution with a long track record in Private Banking, offering clients innovative, personalised solutions
Nagelmackers delivers premium private banking services, leveraging a digital native investment experience
The bank sought a partner to accelerate its digital transformation by integrating physical and digital channels in its branches, aiming to provide clients with a seamless digital investment experience across advisory, discretionary, and execution-only businesses.
To achieve this, the Objectway Platform was implemented, tailored to the bank’s specific needs. This solution not only facilitated the replacement of multiple legacy systems without disrupting ongoing operations but also positioned the bank for scalable growth. As a result, the bank has significantly enhanced client satisfaction and retention.
The bank’s clients now benefit from a digital-native service and investment experience that seamlessly integrates with the bank’s existing systems.
## Business Benefits
Increase client satisfaction and retention
Position the bank to scale the business growth
Allow ease of integration with the bank’s legacy systems
Objectway helped us to enhance and deliver first-class private banking services, meeting our high operational, business and digital ambitions. We aspire to help our clients optimize their portfolios by designing top-notch digital investment solutions for them. We look forward to the partnership with Objectway to bring our clients the premium service they deserve.
[ ](https://www.nagelmackers.be/nl)### Yves Van Laecke
Chief Commercial Officer Nagelmackers
With almost 275 years of experience, Belgium-headquartered Bank Nagelmackers is a distinguished financial institution renowned for its extensive expertise in Private Banking, and it is synonymous with financial stability and reliability. The bank offers a comprehensive range of services, including capital accumulation, asset management, and estate planning, all meticulously tailored to meet the unique needs of its clients.
[Portfolio Management](/discretionary-portfolio-management/)
[Advisory Services](/advisory-services/)
[Execution Only](/execution-only/)
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**Categories:** Success Story
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---
### [Leveraging advanced technology for business expansion Client from 2024](https://objectway.com/leveraging-advanced-technology-for-business-expansion-1-years-partnership/)
**Published:** July 15, 2024
**Author:** Lorenzo Noventa
**Excerpt:** Objectway partnered with Kinsted Wealth to deliver a tailored digital wealth management solution, leveraging advanced technology for business expansion.
**Content:**
[](/success-stories/)
View all Success Story
# Leveraging advanced technology for business expansion
Client from 2024 – Kinsted Wealth, an independent wealth manager based in Calgary, Canada, serves private individuals and institutional investors. The firm is founded on the principle that clients deserve a clear understanding of their financial situation and advisors who possess a precise knowledge of their needs.
Kinsted Wealth selects Objectway for enhanced and fully integrated client and investment management platform to drive growth
Our client sought a comprehensive solution to propel their growth in the Canadian wealth management landscape and support the growth of their discretionary business and advisor network.
They aimed to streamline processes and integrate capabilities into a single platform for digital front-end and investment management. Key objectives also included improving efficiency in managing client portfolios and enhancing the overall client experience with modern digital tools.
Objectway partnered with Kinsted Wealth to deliver a tailored digital wealth management solution, leveraging digital front-end and discretionary portfolio management solutions. This enabled Kinsted Wealth to centralise their operations, automate critical processes such as portfolio management and compliance monitoring, and provide seamless omnichannel client interaction through online portals and mobile apps.
Today, Kinsted Wealth operates with a cutting-edge digital infrastructure. The platform facilitates real-time order execution, continued and automated monitoring of portfolio compliance at all levels, and efficient mass rebalancing of funds and client accounts across their extensive assets under management, exceeding $1 billion.
Objectway’s solutions will also provide unified and centralised data management and storage, including the migration of historical performance trends. The entire platform will be hosted on Objectway’s Canadian private cloud data center.
## Business Benefits
Enhanced client satisfaction & experience
Improved productivity
Streamlined processes
Accelerated business growth and expansion in their market segment
In order to deliver bespoke wealth management through our transparent and highly personalized discretionary wealth management services, we needed to focus on our core business, whilst relying on a fully integrated client and investment management solution from a trusted partner. Objectway demonstrated they had the right capabilities, data security, market knowledge and experience to support our business growth.
[ ](https://kinsted.com/)### Adam Payne
President & CCO at Kinsted Wealth
Kinsted Wealth, an independent wealth manager based in Calgary, Canada, serves private individuals and institutional investors. The firm is founded on the principle that clients deserve a clear understanding of their financial situation and advisors who possess a precise knowledge of their needs.
[Portfolio Management](/discretionary-portfolio-management/)
[Advisory Services](/advisory-services/)
[Execution Only](/execution-only/)
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**Categories:** Success Story
**Tags:** #digital-change, #investmentmanagement, #portfoliomanagement, #technology, #wealth-management
---
### [Leading the way in investment servicesClient from 2019](https://objectway.com/leading-the-way-in-investment-services/)
**Published:** April 20, 2022
**Author:** Lorenzo Noventa
**Excerpt:** Using Objectway’s Investment Advice solution, novobanco has the capabilities of a centralised and structured investment tool
**Content:**
[](/success-stories/)
View all Success Story
# Leading the way in investment services
Client from 2019 – With 1.4 million clients, novobanco is one of the largest banks in Portugal. The bank manages over €20 billion of assets and has a network of over 300 advisors in the affluent and upper affluent segments.
Making the future is the name of our strategy. A future that has already begun and that we are the ones making it. Together.
The firm was looking for a partner able to support their strategy to position themselves as a market innovator in investment services, by democratising their wealth offering with an efficient and scalable bespoke advisory platform, to service investors up from a minimum investment of €10.000.
Using Objectway’s Investment Advice solution, novobanco has the capabilities of a centralised and structured investment tool that standardises the creation of personalised proposals based on risk optimised model portfolios, provides proactive, real-time bulk monitoring against client mandates and implements algorithmic optimisation and rebalancing.
The bank is able to provide a holistic view of a client’s total wealth, whilst aligning the investor’s risk profile and goals with the bank’s investment strategies and governance, in compliance with MiFID II regulation, thus creating an hybrid service where the solution and the advisors work together to create a suitable personalised proposal.
The partnership with Objectway on our transformation program has been extremely collaborative and productive. We’ll bring our plans further by pursuing together with Objectway more enhancements to our financial advisory experience, such as ESG regulations, multi-goal approach and direct advisory, to mention a few.
[](https://www.novobanco.pt/)### Alexandra Tostões
Head of Advisory Service, novobanco
## Business Benefits
Provide holistic analysis of clients’ asset allocation
Enable advisors to generate personalized investment proposals, without subjectivity
Benefit from on Cloud and SaaS-enabled delivery
Build a lean, scalable and flexible solution for sustainable long-term growth
The business model of novobanco is centered around domestic commercial and retail banking. Supported on physical branches and digital platforms, we seek to match our customer’s expectations, by offering them an omnichannel experience, based on transparent, simple and safe products and services.
[Digital investment advisory](/what-we-provide/?lang=en)
[Retail Banks](/who-we-serve/?lang=en)
Leveraging Centralized Cloud Mifid II Advisory
Deliver an advanced advisory experience becoming a front runner in the investment services
[READ NOW](https://objectway.com/download-case-study-leveraging-centralized-cloud-mifid-ii-advisory/)
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**Categories:** Success Story
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---
### [Setting up a new bank: seamless operability safeguarding client experience Client from 2005](https://objectway.com/objectway-powered-merger-hauck-aufhauser-lampe-privatbank-safeguarding-client-experience/)
**Published:** February 2, 2023
**Author:** Lorenzo Noventa
**Excerpt:** Objectway powered the successful merger establishing Hauck Aufhäuser Lampe Privatbank, paving the way for future development and growth.
**Content:**
[](/success-stories/)
View all Success Story
# Setting up a new bank: seamless operability safeguarding client experience
Client from 2005 – Hauck Aufhäuser Lampe is a leading German private bank currently managing more than €35bn in assets, providing dedicated, comprehensive advice, and developing personalised solutions for private and corporate clients.
Objectway powered the successful merger establishing Hauck Aufhäuser Lampe Privatbank, paving the way for future development and growth.
Hauck Aufhäuser Lampe’s innovation initiative revolved around the strategic intent to merge two private banks with a seamless interoperability, safeguarding the client experience.
Leveraging Objectway Business Innovation Matrix\*, the solution has been delivered migrating private banking, corporate banking and asset management/asset servicing functionality within one integrated banking platform with long-term substantial cost reductions, reduced number of sub-systems for a seamless workflow of the back-office units, minimizing client impact.
\*The Business Innovation Matrix captures the areas of Value Creation (Experience, Offering, Configuration, under the umbrella of Sustainability) and how they are interconnected to generate successful and sustainable innovation across the entire value chain, that is a game changer for the firm and the end-clients.
Following the legal merger of Hauck & Aufhäuser and Bankhaus Lampe, the newly formed bank aimed at integrating a fragmented technical IT infrastructure onto a single platform, thereby creating a cohesive and distinctive banking solution. This undertaking required the seamless migration of data and the smooth integration of operations in a swift and secure manner, all while upholding ongoing business operations and securing the client experience.
The Objectway Platform – already utilised by Hauck & Aufhäuser with high standards of client satisfaction – was implemented in order to fulfil the bank’s requirement of a data migration process with minimal client disruption and no adverse external effects.
Considering the complexity of the project, a Big-Bang approach was adopted for the data migration strategy, ensuring the migration of all data within a short timeline. The meticulous execution guaranteed operational readiness, preserved smooth client experience and ensured compliance with regulatory and audit requirements regarding the migration’s impact.
The Objectway solution was further enhanced to accommodate the specific products offered by Bankhaus Lampe, which would also be offered by the newly formed institution, Hauck Aufhäuser Lampe Privatbank, in the future.
We are incredibly proud of the outstanding performance of all project staff involved and of the great cooperation with our external partners.
[](https://www.hal-privatbank.com/)### Gordan Torbica
COO, Hauck, Aufhäuser & Lampe Privatbank.
[Play Video](https://vimeo.com/850149920?share=copy)[Play Video ](https://vimeo.com/850149920?share=copy)
## Business Benefits
Enable full product offering of both banks on the new integrated platform
Ensure banks’ operability and minimised impact on clients during the migration
Benefit from high STP rate over all products
Achieve cost optimisation from platforms’ integration
Hauck Aufhäuser Lampe emerged from three equally traditional banking houses and today is one of Germany’s leading private banks operating for over 200 years and offering a range of investment solution designed to suit its broad client base: wealth management, investment banking, and asset management to private clients, family offices, and institutional investors and providing customers with extensive support and performance.
[Banking Administration](/banking-administration/)
Setting up a new bank: integrating technologies and competencies
Hauck Aufhäuser Lampe Privatbank aimed to create a common platform for a unique banking solution
[READ NOW](https://objectway.com/setting-up-a-new-bank-objectway-german-case-study/)
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**Categories:** Success Story
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---
### [Sub-outsourcing to a strategic partnerClient from 2014](https://objectway.com/objectway-and-bnp-paribas-to-optimize-financial-cost-and-deliver-high-quality-service/)
**Published:** July 24, 2023
**Author:** Lorenzo Noventa
**Excerpt:** BNP Paribas’ innovation initiative revolved around optimizing the financial cost while retaining the ability to deliver a high-quality service model for its transfer agent service through Objectway Platform offer.
**Content:**
[](/success-stories/)
View all Success Story
# Sub-outsourcing to a strategic partner
BNP Paribas SA, (Italian Branch) Securities Services Division, client from 2014 – The Securities Services business line of BNP Paribas is the largest Custodian in Europe, and ranked #5 globally, providing its clients with Securities Services solutions closely integrated with the best-in-class capabilities of the Group’s other business lines. These include treasury financing and advisory, and global markets solutions.
Empowering BNP Paribas Securities Services in Italy to elevate Client Service Experience and achieve Operational Excellence.
The Securities Services division of BNP Paribas in Italy had an innovation ambition which revolved around the ability to deliver a high-quality service model for its transfer agent service seamlessly integrated with the other components of their offering.
Leveraging Objectway Business Innovation Matrix\*, the solution has been delivered to adopt and execute a strategic-sourcing platform designed to offer a more cost effective target operating model improving and evolving the value proposition for BNP Paribas Securities Services’ key customers.
\* The Business Innovation Matrix captures the areas of Value Creation (Experience, Offering, Configuration, under the umbrella of Sustainability) and how they are interconnected to generate successful and sustainable innovation across the entire value chain, that is a game changer for the firm and the end-clients.
Our client was on a mission to redesign its operating model to support a large client fund distribution. They sought to find a reputable and reliable partner capable of committing to technological evolution, service excellence, and digital security to generate a set of benefits: technology expertise, scalability of services, productivity improvements and strengthening of performance.
To achieve these objectives, the Objectway Platform was implemented, focusing on business reconfiguration, customer experience, and offering evolution. Objectway successfully delivered an offering model that ensures optimal scalability and comprehensive cost management, incorporating various best practices to enhance client service experience and engagement. This includes personalized interactions, rapid response times, streamlined processes, and continuous improvement. Moreover, it enhanced the value proposition for BNP Paribas Securities Services’ key customers.
Leveraging the Objectway Platform, know-how, experience and end-to-end delivery capabilities we have successfully delivered a tailor-made Business Process as a Service solution, designed to significantly enhance the operational efficiency of BNP Paribas’ model.
Our client is now able to focus on value-added activities, specifically those service components critical to their client experience, while outsourcing components where Objectway possesses the technological expertise to guarantee a scalable service experience. This partnership ensures benefits in terms of long-term service excellence and evolution for BNP, its clients, and investors.
## Business Benefits
Maximise operational accuracy
Reduce processing times
Gain maximum flexibility and optimised scalability
Focus human intervention on value-added activities
The story with Objectway is a successful one. We started this journey together and together we will continue on our evolutionary path to improve the client experience in terms of both technology and service quality.
[ ](https://group.bnpparibas/en/)### Andrea Cattaneo
Head of Italy, Switzerland & Iberia, Securities Services at BNP Paribas
[Play Video](https://vimeo.com/850195213?share=copy)[Play Video ](https://vimeo.com/850195213?share=copy)
BNP Paribas is a multi-asset servicing specialist committed to help its clients achieve their ambitions both in terms of investments and cross-border distribution. The Securities Services division of BNP Paribas is one of largest Custodian in Europe, and ranked #5 globally, providing its clients with Securities Services solutions closely integrated with the best-in-class capabilities of the Group’s other business lines. These include treasury financing and advisory, and global markets solutions.
[Alternative Fund Administration](/fund-administration/)
[Transfer Agent](/fund-administration/)
## Sign Up for our Newsletter
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**Categories:** Success Story
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---
### [Streamlining Success: How Digitalization and Process Automation transformed a businessClient from 2018](https://objectway.com/streamlining-success-how-digitalization-and-process-automation-transformed-a-business-bcc-risparmio-e-previdenza/)
**Published:** March 28, 2023
**Author:** Lorenzo Noventa
**Excerpt:** For improving its operational efficiency, BCC Risparmio&Previdenza adopted the Objectway BPaaS solution combined with robotic process automation technology.
**Content:**
[](/success-stories/)
View all Success Story
# Streamlining Success: How Digitalization and Process Automation transformed a business
Client from 2018 – Our client is a highly valuable and significant player in the investment industry, with assets under management exceeding 15 bn €. The client benefits from a diverse portfolio, consisting of over 12 investment funds, and serves a large client base of over 70,000 accounts.
Leveraging Digital Transformation and Business Process Automation for Improved Operational Efficiency and Human Resource Optimization
The client aimed at streamlining the operational activities related to data and information processing of a huge volume of contractual documents through digitalization and process automation to increase efficiency, speed, and accuracy, reduce cost and eliminate manual errors.
The Objectway Solution and back-office application were deployed to execute Business Processing as a Service activity combined with robotic process automation technology, this way achieving the clients’ main goal of completing a digital transformation program.
Our client now manages 200-300 new contracts per day and processes 400 to 700 entries per week. There are currently 70,000 active accounts, which are constantly growing, relating to more than 30 asset management lines, with reference to both individual and business accounts.
Collaborating with Objectway has been a truly positive experience due to their expertise and commitment to delivering results. We are extremely happy with our partnership and look forward to continued success together.
[](https://www.bccmilano.it/)### BCC RISPARMIO & PREVIDENZA
## Business Benefits
Achieving digital transformation with process automation
Focusing human intervention on value-added activities
Upgrading operational accuracy and reducing the error rate
Reducing costs and cutting processing times
BCC Risparmio&Previdenza is part of the BCC ICCREA Group, managing specifically the asset and investment management services. The company was founded in 1984 and today it operates to become day by day a reference for supporting its clients with the mutual investment funds management and with the individual asset and portfolio management.
[Objectway BPaaS](https://objectway.com/bpaas/)
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### [Objectway Empowers Rabobank with Best-in-Class Performance and Reporting CapabilitiesClient from 2015](https://objectway.com/objectway-empowers-rabobank-with-best-in-class-performance-and-reporting-capabilities/)
**Published:** January 14, 2019
**Author:** Lorenzo Noventa
**Excerpt:** Rabobank implements Objectway’s Discretionary & Fund Portfolio Management to provide consistent client performance & attribution reporting
**Content:**
[](/success-stories/)
View all Success Story
# Objectway Empowers Rabobank with Best-in-Class Performance and Reporting Capabilities
Client from 2015 – Born in the Netherlands, Rabobank stands as a cooperative bank dedicated to serving its clients. With a remarkable asset under management of over €50.5 bn AUM\* and holding nearly €152.9 bn in savings\*, Rabobank aims to emerge as one of the leading agri and food banks worldwide.
Our client sought a system that could effectively support sophisticated performance and performance attribution reporting to provide its clients with an accurate and consistent service. After evaluating ten competing vendors, the bank ultimately selected Objectway for its best-in-class performance and reporting functionality, as well as its capacity to adapt to the bank’s evolving innovation requirements.
The Objectway platform was implemented as part of the bank’s strategic IT simplification and renewal program. Rabobank clients now benefit from consistent performance and performance attribution reporting, regardless of the medium through which the information is presented—whether it be paper, the Rabobank portal, or one of the Rabobank apps.
The second phase of the project involved consolidating all client investment portfolio reporting into a single database and engine within Objectway Discretionary & Fund Portfolio Management. This integration enabled seamless reporting on paper and through the bank’s portals and apps, further enhancing the user experience for Rabobank clients.
## Business Benefits
Ensure best-in-class performance and reporting functionality
Deliver a seamless and consistent reporting experience across all channels
Enhance the user experience
Ensure comprehensive and tailored reporting solutions
Rabobank is a cooperative bank originating from the Netherlands, and renowned for its client-focused approach. With a diversified international presence, the bank has established strong roots in agriculture. With ambitions of becoming a leading agri and food bank globally, Rabobank caters to both individual and business customers, boasting a substantial customer base. In the Netherlands alone, the bank serves over 8 million\* retail clients and more than 1 million\* business clients across 36 countries\* through its 144 regional offices\*.
[Investment Service](/investment-service-bankling-asset-and-wealth-service-solutions/)
[\*Rabobank Data](https://media.rabobank.com/m/347fa43ae8bac74b/original/Rabobank-in-een-oogopslag-2022-NL.pdf)
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### [Integrated Digital Front-End for Wealth Management ClientsClient from 2000](https://objectway.com/integrated-digital-front-end-for-wealth-management-clients-bny-mellonpershing/)
**Published:** January 15, 2019
**Author:** Lorenzo Noventa
**Excerpt:** They want to create positive long-term financial and non-financial value. So, one of their strategic pillars is the advance through digitisation and analytics.
**Content:**
[](/success-stories/)
View all Success Story
# Integrated Digital Front-End for Wealth Management Clients
Client from 2000 – As a global financial solution provider, leader in its field, for more than 80 years BNY Pershing has been investing in working together to power clients’ success. In an ever-changing marketplace, BNY Pershing has been trusted, tested and proven to protect clients’ interests while providing them with the most innovative solutions possible.
Every employee we have, every action we take comes back to one core commitment: a personal investment in your success.
Objectway delivers investor portal and digital client management portfolio management tools ’s integrated digital platform will enable BNY Pershing to implement a single, fully integrated, straight-through processing solution, all within a single contract.
Objectway’s solutions will empower BNY Pershing’s offering of workflow capabilities to wealth managers, improving management of their clients; from customisable engagement models through the whole advice process, combining human interaction with digital capabilities.
The integrated portfolio management and CRM systems will also automate operational processes while enhancing service offering, in full compliance with a post-MiFID II environment.
## Business Benefits
Enhance core clearing and custody proposition through a single, integrated, STP front-end solution
Improve and simplify client servicing for wealth managers
Automate operational processes
Offer investors a multi-channel user experience and real-time collaboration tools
BNY Pershing is a leading provider of clearing and custody services uniquely positioned to help complex financial services firms transform their businesses, drive growth, maximize efficiency, and manage risk and regulation.
Wealth management and institutional firms outsource to BNY Pershing for trading and settlement services, investment solutions, bank and brokerage custody, middle and back office support, data insights, and business consulting.
With offices around the world, BNY Pershing has over $2.7 trillion\* in global client assets and millions of investor accounts.
\* At the date of 31 March 2025
[Portfolio Management & Trading](/portfolio-management-and-trading/)
[Advisor & Investor Portal](/advisor-and-investor-portal/)
[Investment Platforms](/investment-platforms/)
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**Categories:** Success Story
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---
### [Connecting to customers' digital lifestyleClient from 1993](https://objectway.com/connecting-to-customers-digital-lifestyle-brewin-dolphin/)
**Published:** September 9, 2019
**Author:** Lorenzo Noventa
**Content:**
[](/success-stories/)
View all Success Story
# Connecting to customers’ digital lifestyle
Client from 1993 – One of the UK’s leading wealth managers, founded in 1762, Brewin Dolphin helps clients achieve their ambitions through expert, personalised financial planning and investment management advice. Brewin Dolphin is making good progress with their strategy and investing for the future, having significantly strengthened operations and improved efficiency over recent years.
The successful management of wealth takes an understanding of money but is rooted in an even deeper understanding of people. So before we invest your money, we’ll first invest in our relationship with you.
Objectway supports the implementation of ‘MyBrewin app’, an extension of the wealth manager’s online client portal.Investors have instant access to information about their portfolios, asset allocation and performance both on iPhone and Apple Watch, and Android-based devices.
The app has all the core features of the MyBrewin portal, plus some specific to mobile apps – such as facial and thumbprint recognition – and automatically provides the best user experience on the respective device – tablet, phone or smart watch.
How clients wish to access information is changing and we have developed our client app in response to this. We are strategically committed to technology innovation and offering clients a superior user experience, enabling them to access their portfolios where they want and how they want.
[](https://www.novobanco.pt/)### Grant Parkinson
Chief Operating Officer, Brewin Dolphin
## Business Benefits
Deliver a client-centric online experience
Offer clients instant access to investment information via mobile devices anytime, anywhere
Guarantee a timely and personalised interaction through an omnichannel digital experience platform for clients
Provide a coherent client experience, natively conceived for the respective device
Brewin Dolphin is a UK FTSE 250 provider of discretionary wealth management. With £51.4\* billion in total funds, it offers award-winning personalised wealth management services that meet the varied needs of clients including individuals, charities and corporates. Services range from bespoke, discretionary investment management to retirement planning and tax-efficient investing. The firm built a network of 33 offices across the UK, Ireland an the Channel Islands, staffed by over 400 qualified investment managers and financial planners.
\* At the date of February 2021
[Advisor and Investor Portal](/advisor-and-investor-portal/)
[Wealth Managers](/wealth-managers/)
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---
### [Full Client Lifecycle Management and Operational ScalabilityClient from 1993](https://objectway.com/full-client-lifecycle-management-and-operational-scalability_brewin-dolphin/)
**Published:** November 26, 2020
**Author:** Silvia Boccuzzi
**Excerpt:** The new Brewin Dolphin's client lifecycle management system with suitability reviews provided by Objectway improves client experience and operational efficiencies.
**Content:**
[](/success-stories/)
View all Success Story
# Full Client Lifecycle Management and Operational Scalability
Client from 1993 – One of the UK’s leading wealth managers, founded in 1762, Brewin Dolphin helps clients achieve their ambitions through expert, personalised financial planning and investment management advice. Brewin Dolphin is making good progress with their strategy and investing for the future, having significantly strengthened operations and improved efficiency over recent years.
The successful management of wealth takes an understanding of money but is rooted in an even deeper understanding of people. So before we invest your money, we’ll first invest in our relationship with you.
The Client Lifecycle Management & Onboarding solution by Objectway provides integrated digital capabilities to manage the entire client life cycle, from prospecting through onboarding, to ongoing service delivery like suitability reviews and other periodic and ad-hoc events.
Client-advisor digital collaboration is enhanced over an optimised omnichannel mix to meet different scenarios and client needs.
Objectway has also successfully completed comprehensive training of Brewin Dolphin personnel, including a ‘dress rehearsal’ to ensure a smooth switch, despite disruptive COVID lockdown restrictions.
The key benefits of the new client management system include an improved client experience, from onboarding through to their suitability process, and greater operational efficiencies for our people.
### Brewin Dolphin
## Business Benefits
Deliver superior client experience and sound client relationship
Improve clients and advisers engagement
Enhance ‘opti-channel’ client-advisor digital collaboration
Gain scalability and greater operational efficiencies
Brewin Dolphin is a UK FTSE 250 provider of discretionary wealth management. With £51.4\* billion in total funds, it offers award-winning personalised wealth management services that meet the varied needs of clients including individuals, charities and corporates. Services range from bespoke, discretionary investment management to retirement planning and tax-efficient investing. The firm built a network of 33 offices across the UK, Ireland an the Channel Islands, staffed by over 400 qualified investment managers and financial planners.
\* At the date of February 2021
[Client Lifecycle Mgmt & Onboarding](/client-lifecycle-management-onboarding/)
[Wealth Managers](/wealth-managers/)
How to become a leading digitally enabled wealth manager
Fast-forward pursuing digital innovation and maintain your leadership over time
[READ NOW](https://objectway.com/download-case-study-how-to-become-a-leading-digitally-enabled-wealth-manager/)
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---
### [Digitising the Investment Proposal ProcessClient from 2001](https://objectway.com/digitising-the-investment-proposal-process-van-lanschot-kempen/)
**Published:** January 25, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Van Lanschot Kempen further digitises its investment proposal process and advisory business in the Private Bank by introducing Objectway’s Proposal, Compliance, and Messaging solutions.
**Content:**
[](/success-stories/)
View all Success Story
# Digitising the Investment Proposal Process
Client from 2001 – Being the oldest independent financial institution in the Netherlands, with their history as a principled, active investor, focusing on the long term, they want to create positive long-term financial and non-financial value. To do so, one of their strategic pillars is the advance through digitisation and analytics.
Van Lanschot Kempen further digitises its investment advisory business in the Private Bank by introducing Objectway’s component for Digital Investment Proposals.
The investment advisor composes an investment proposal, having a direct insight into the pre- and post-trade impacts on the client portfolio.
Automated compliance validation checks take place making sure the proposal is suitable. The resulting buy and sell orders are ready for order routing, after the proposal is approved by the client.
Van Lanschot Kempen integrated their communication platform MessageCenter with the Proposal component. By doing this, the advisor is able to generate a PDF report from the proposal , add a personal message including the transaction rationale, and send it to the client via email. The advisor is able to monitor the progress and follow up on all outstanding proposals via both the Proposal component and/or the MessageCenter.
Technology and digitalisation will allow us to improve our productivity and service, by speeding up processes, reducing operational errors and improving the availability and quality of data.
[](https://www.vanlanschotkempen.com/en-nl)### Van Lanschot Kempen
Strategy and Corporate Development
## Business Benefits
Enable an advanced digital advisory experience
Offer a goals-driven and client-centric advisory service
Deliver optimised, suitable and personalised investment proposals
Save time to manage more clients and prevent errors in compliance checks
Van Lanschot Kempen, a wealth manager operating under the Van Lanschot, Kempen and Evi brand names, is active in Private Banking, Asset Management and Merchant Banking, with the aim of preserving and creating wealth, in a sustainable way, for both its clients and the society of which it is part. Listed at Euronext Amsterdam, Van Lanschot Kempen is the Netherlands’ oldest independent financial services company, with a history dating back to 1737.
[Digital Investment Advisory](/digital-investment-advisory/)
[Wealth Managers](/reti-consulenti-finanziari_ita/?lang=it)
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---
### [Innovazione nei servizi cross border per il Private BankingClient from 2020](https://objectway.com/innovazione-nei-servizi-cross-border-per-il-private-banking/)
**Published:** October 15, 2021
**Author:** Lorenzo Noventa
**Excerpt:** L’obiettivo dell’iniziativa è implementare un modello di servizio end-to-end per la prestazione dei servizi di investimento per i clienti – con residenza fiscale italiana – operanti dall’Italia con patrimonio detenuto all’estero.
**Content:**
[](/success-stories/)
View all Success Story
# Innovazione nei servizi cross border per il Private Banking
Client from 2020 – Banca privata, dedicata al Private Banking, nata a Milano ed attiva da oltre 90 anni.
Fa parte di un gruppo di respiro internazionale specializzato nel Wealth Management a cui appartengono l’istituto svizzero PKB Privatbank e altre società operanti nei settori dell’Asset Management e dei servizi fiduciari, grazie al quale propongono soluzioni tipiche di un network finanziario più allargato.
“Ci piace inquadrare la nostra attività cross border nell’ottica della ‘diversificazione’ del rischio paese a km zero”
L’obiettivo dell’iniziativa è lo sviluppo delle potenzialità che il gruppo possiede, per le sue caratteristiche di internazionalità e presenza in due giurisdizioni differenti e complementari, implementando un modello di servizio end-to-end per la prestazione dei servizi di investimento da parte di Cassa Lombarda per i clienti – con residenza fiscale italiana – operanti dall’Italia con patrimonio detenuto all’estero presso PKB Privatbank.
Il progetto è ambizioso, con la complessità derivante dalla pluralità di stakeholder coinvolti, quali ad esempio la compliance, i servizi di custody e settlement, o il controllo di gestione.
La banca ha scelto Objectway come partner unico per affiancarla in questa iniziativa, ritenendo che avesse una visione completa dell’iniziativa, una consolidata competenza ed esperienza nell’ambito del wealth management e fosse un abilitatore di innovazione.
Objectway ha adottato un approccio di consulenza globale, dove l’ecosistema di competenze, professionalità e professionisti dedicati ai temi del wealth e dell’asset management viene supportato dalla capacità di integrare le molteplici esigenze ed esserne sintesi e guida, portando avanti in modo coordinato il progetto in uno scenario operativo, in linea con l’attività dell’istituzione finanziaria.
Volevamo realizzare una piattaforma di servizi finanziari distintiva nel suo genere e operante in piena conformità \[…\] ci siamo resi conto che ci serviva un solo partner con una visione completa del progetto per evitare distonie tra disegno e realizzazione.
[](https://www.novobanco.pt/)### Filippo Casolari
Vice Direttore Generale, Cassa Lombarda
## Business Benefits
Gamma di servizi integrata con approccio olistico glocal e diversificazione del rischio paese ‘a kilometro zero’
Nuovi clienti e fidelizzazione degli esistenti grazie ad una proposta più adatta alle loro esigenze
Ampliamento dell’offerta con un servizio distintivo
Value proposition attrattiva per private banker a vocazione internazionale
Cassa Lombarda, banca specializzata nel private banking, rappresenta da quasi un secolo un punto di riferimento nel panorama bancario italiano grazie alla propria indipendenza e ad un modello di rapporto personalizzato e consulenziale con la Clientela. Cassa Lombarda vanta un’offerta integrata di servizi di gestione di patrimoni, servizi bancari e creditizi costantemente adattabili alle esigenze individuali, relativamente al patrimonio finanziario, personale e familiare, a quello d’impresa, sempre con l’obiettivo di creare valore e proteggerlo. Cassa Lombarda è presente in Italia con sedi a Milano, Bergamo, Busto Arsizio, Como e Roma.
[Portfolio Mgmt & Trading](/portfolio-management-and-trading/)
[Securities Back Office](/securities-back-office/)
[Private Banks](/private-banks/)
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**Categories:** Success Story
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---
### [Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen](https://objectway.com/skalierungslucke-warum-ki-investitionen-an-der-kundenschnittstelle-verpuffen/)
**Published:** August 4, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Künstliche Intelligenz steigert interne Effizienz, doch im Kundenkontakt bremsen Datenprobleme und Systemintegration oft den Geschäftserfolg.
**Content:**
[](/news/)
View all News
# Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen
4\. August 2026 – Banken, Wealth Manager und Asset Manager investieren massiv in künstliche Intelligenz – doch profitables Wachstum an der Kundenschnittstelle gelingt bislang den wenigsten. Eine neue Studie zeigt, wo die Transformation stockt.
Nur 14 Prozent der Banken, Wealth Manager und Asset Manager können ihre kundenorientierten Aktivitäten profitabel skalieren – obwohl 44 Prozent dies bei internen Kernprozessen bereits schaffen. Diese Schere, die eine neue Studie von FT Longitude im Auftrag von Objectway offenlegt, beschreibt das zentrale Dilemma der KI-Transformation im Finanzsektor: Die Technologie wirkt dort, wo sie am wenigsten zählt. Befragt wurden 300 Führungskräfte aus Banken, Asset Managern und Wealth Managern in zehn europäischen Märkten inklusive Großbritannien und Kanada.
Kostenfalle statt Wachstumstreiber
Die Lücke zwischen interner Effizienz und Kundenschnittstelle folgt aus der Reihenfolge, in der Institute digitalisiert haben: Zunächst wurden interne Prozesse automatisiert, anschließend einzelne digitale Oberflächen – Portale, Apps, digitale Antragsstrecken – aufgebaut. Was dabei häufig fehlte, ist die durchgängige Verknüpfung beider Ebenen. „Die Widersprüchlichkeit ist offensichtlich, denn Banken investieren in künstliche Intelligenz für bessere Kundenerlebnisse, können aber genau diese Kundenseite bisher kaum profitabel skalieren„, sagt Karl im Brahm, CEO DACH von Objectway. Er ergänzt: „KI-Anwendungen an der Kundenschnittstelle bedeuten nicht automatisch zufriedenere Klienten. Wenn Daten, Prüfprozesse und die zugrunde liegende Infrastruktur nicht durchgängig funktionieren, entsteht kein Wachstum, sondern zusätzlicher Mehraufwand.“
29 Prozent der Befragten berichten von einer verschlechterten Kundenzufriedenheit infolge von Technologieinvestitionen, 32 Prozent berichten zudem von negativen Auswirkungen bei Resilienz, Risikomanagement und Compliance. KI wird damit nicht zum Wachstumstreiber, sondern zum Kostenfaktor – ein Befund, der durch weitere Daten gestützt wird: In einer McKinsey-Erhebung zur KI-Reife in Deutschland gaben über 70 Prozent der Großunternehmen an, KI bereits einzusetzen – aber nur sechs Prozent schöpften das Potenzial zu 50 Prozent oder mehr aus.
Kundenaufnahme als zentraler Engpass
Knapp 40 Prozent der Befragten nennen die Aufnahme neuer Kunden – einschließlich Identitätsprüfung, Geldwäschekontrollen und Eignungsprüfung von Anlageprodukten – als den operativen Engpass, der profitables Wachstum am stärksten begrenzt. Ausgerechnet dort, wo KI Interessenten schnell, regelkonform und kosteneffizient zu Kunden machen soll, hapert es am meisten. Für den deutschen Markt ist das relevant: Das verwaltete Kundenvermögen im deutschen Private Banking und Wealth Management lag 2024 bei rund 6,5 Billionen Euro – bis 2030 wird laut ZEB-Studie von 2025 ein Anstieg auf 8,5 Billionen Euro erwartet. Wer dieses Wachstum abschöpfen will, muss neue Kunden effizient aufnehmen können.
Vorreiter und Nachzügler
Die Objectway-Studie unterscheidet zwischen Instituten mit bereits messbaren Fortschritten bei profitabler Skalierung und jenen, die noch mit den Grundvoraussetzungen kämpfen. Der Abstand ist erheblich: Bei Onboarding, Geldwäscheprävention und Kundensorgfaltsprüfungen verfügen 80 Prozent der Vorreiter über weitgehend oder hoch automatisierte Prozesse – bei den Nachzüglern sind es lediglich 33 Prozent. Bei der digitalen Kundeninteraktion liegt der Abstand bei 83 Prozent gegenüber 40 Prozent.
Was Vorreiter von Nachzüglern unterscheidet, ist dabei weniger der Einsatz von KI an sich als die operative Grundlage: Datenqualität, Systemintegration und Prozessdurchgängigkeit sind bei ihnen bereits weitgehend gesichert. Erst auf dieser Basis können KI-Anwendungen Fälle vorqualifizieren, Anomalien erkennen und Berater entlasten – statt bestehende Schwachstellen lediglich zu automatisieren.
Systemintegration als Haupthürde
Die größte strukturelle Barriere bleibt die Systemintegration: 45 Prozent der Befragten nennen Integrationsprobleme als zentrales Hindernis für die Skalierung. Mangelhafte Datenqualität (41 Prozent) und eine fragmentierte Technologieinfrastruktur (39 Prozent) folgen. Das KI-Wertschöpfungspotenzial im Wealth Management bezifferte McKinsey bereits 2023 auf 42 Milliarden Euro, im Asset Management auf 55 Milliarden Euro – aktuellere segmentspezifische Schätzungen liegen nicht vor. Wer die operative Grundlage nicht schafft, bevor er KI aufsetzt, kauft sich laut Studienbefund Komplexität – kein Wachstum.
KI-Anwendungen an der Kundenschnittstelle bedeuten nicht automatisch zufriedenere Klienten. Wenn Daten, Prüfprozesse und die zugrunde liegende Infrastruktur nicht durchgängig funktionieren, entsteht kein Wachstum, sondern zusätzlicher Mehraufwand.
[](https://www.linkedin.com/in/karl-im-brahm/)### Karl im Brahm
CEO DACH Region, Objectway
*Der Artikel ist auch auf der Website des Private Banking Magazins verfügbar – [klicken Sie dazu hier.](https://www.private-banking-magazin.de/ki-im-finanzsektor-skalierungsluecke-warum-ki-investitionen-an-der/)*.
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
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**Categories:** Article
**Tags:** #artificialintelligence, #efficiency, #financialservices, #operationalefficiency, #owin26, #regulation, #scalability, #wealth-management, #wealthmanagementtrends
---
### [„Deutschland ist noch etwas altmodisch unterwegs“](https://objectway.com/abn-amro-und-hauck-aufhauser-lampe-fusionieren-zur-drittgrosten-privatbank-deutschlands/)
**Published:** August 4, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** ABN Amro und Hauck Aufhäuser Lampe fusionieren zur drittgrößten Privatbank Deutschlands.
**Content:**
[](/news/)
View all News
# „Deutschland ist noch etwas altmodisch unterwegs“
4\. August 2026 – ABN Amro und Hauck Aufhäuser Lampe fusionieren zur drittgrößten Privatbank Deutschlands. Im Interview erläutern COO Eric van der Deijl und Objectway-DACH-Chef Karl im Brahm, wie die komplexe Integration gelingt – und welche Rolle KI dabei spielt.
private banking magazin: Herr van der Deijl, Sie haben im Rahmen der OWIN Konferenz die Fusion von ABN Amro Bethmann Bank und Hauck Aufhäuser Lampe vorgestellt. Was macht dieses Projekt so besonders?
**Eric van der Deijl:** Es ist hochkomplex – technisch wie operativ. Wir schaffen Deutschlands drittgrößte Privatbank. Das erfordert mehr als nur eine Fusion, es ist eine komplette Integration. Wir haben 2024 die Einigung erzielt, 2025 den Closure, Mitte 2026 folgt die rechtliche Fusion. Im Oktober 2026 wollen wir die Wealth-Management-Migration abschließen. Weitere Geschäftsbereiche, nämlich Investment Banking, Asset Management und Asset Servicing, sollen 2027 bis 2028 folgen. Allein für die WM-Migration haben wir die Lücken ermittelt und fast 180 kleinere und größere festgestellt, von denen ein Teil geschlossen werden muss, um die vollständige Migration auf die ABN-Amro–Objectway-Banking-Plattform zu ermöglichen.
180 Gaps – das klingt nach einer Mammutaufgabe.
**van der Deijl:** Ist es auch. Aber die gute Nachricht ist: Hauck Aufhäuser Lampe und ABN Amro Bethmann nutzen beide die Plattform von Objectway. Das bedeutet, dass wir mit einem Partner in der Lage sind, das gesamte Core Banking zu harmonisieren. Das hilft enorm. Auf der anderen Seite sind die Produkte unterschiedlich implementiert, die Gebührenmodelle unterscheiden sich – und natürlich gibt es in der IT-Landschaft mehr Anwendungen als nur das Kernbankensystem. Es ist kein Walk in the Park, aber es hilft absolut, mit einem Partner zusammenzuarbeiten, der super viel Erfahrung hat.
Herr im Brahm, Sie begleiten die Fusion technologisch. Was ist die größte Herausforderung?
**Karl im Brahm:** Die derzeitige funktionale und technische Komplexität zu reduzieren und gleichzeitig ein skalierbares, zukunftsfähiges Betriebsmodell aufzubauen. ABN Amro steht ein guter Wachstumskurs bevor – sowohl organisch als auch potenziell durch weitere Akquisitionen. Gleichzeitig ist das Projekt selbst sehr ambitioniert, insbesondere hinsichtlich des Zeitplans, der Integrationstiefe und des Gesamtumfangs der Transformation. Insgesamt kommen wir derzeit gut voran. Nun geht es darum, Funktionalitäten zu harmonisieren, eine IT-Landschaft zu bauen, die deutlich weniger fragmentiert, einfacher zu verwalten und effizienter ist als die derzeitige Struktur. Gleichzeitig müssen wir von Anfang an die technologische Grundlage für zukünftige Skalierbarkeit, Automatisierung und nachhaltiges Wachstum schaffen.
Wie viel Individualität kann bei so einer Konsolidierung bewahrt werden?
**van der Deijl:** Das ist eine Balance. Von der Produktpalette sind wir unterschiedlich – nicht, dass eine Seite mehr Produkte hat, sondern wir sind anders aufgestellt. Wir haben mit einer Gapping-Analyse angefangen: Was haben wir von der Produktseite, von der IT-Seite, von der Prozessseite? Dann gibt es eine Business-Case-Entscheidung. Es gibt eine kleine Anzahl von Vermögensverwaltungsprodukten bei Hauck Aufhäuser Lampe, die wir nicht weiter anbieten werden. Aber es gibt auch Produkte mit echtem Wachstumspotenzial. Diese werden wir dann natürlich auch in unsere Angebotslandschaft aufnehmen und allen Kunden anbieten.
Und um den Zeitplan zu schaffen?
**van der Deijl:** Wollen wir die Notwendigkeit zum Repapering so weit wie möglich wegnehmen. Wir wollen nicht, dass Kunden neue Bedingungen unterschreiben müssen – das dauert richtig lang. Darum versuchen wir, eine balancierte Entscheidung zu treffen.
Lassen Sie uns über den deutschen Markt sprechen. Sie kommen aus den Niederlanden, Herr van der Deijl. Wie konservativ ist Deutschland wirklich?
**van der Deijl:** Als ich vor zehn Jahren aus den Niederlanden nach Deutschland gezogen bin, war der Unterschied enorm. In Holland nutzten damals schon 95 Prozent der Menschen Online-Banking, Instant Payments waren völlig normal. Eine meiner größten Überraschungen in Deutschland war, dass es in dem kleinen Ort, in dem ich lebte, drei Bankfilialen gab – sogar zwei derselben Bank. Die Konsolidierung war in Holland, Norwegen oder Dänemark längst durch. Corona hat dann im Zahlungsverkehr einen großen Schritt gebracht, insbesondere bei der Verringerung der Bargeldtransaktionen. Aber wenn ich mir die Nutzung unserer Portale anschaue: In Holland nutzen 95 Prozent der Kunden mobiles Banking, in Deutschland sind es etwa 50 Prozent. Um es kurz zu sagen: Ja, Deutschland ist noch etwas altmodisch unterwegs.
Aber?
**van der Deijl:** Gleichzeitig investieren wir als Bank wahnsinnig viel Geld in die neue Generation. Die erwartet, dass alles mobile first ist. Und wenn wir uns anschauen, wer noch den Laptop nutzt: Das sind oft die Kunden zwischen 70 und 90 Jahren. Die jüngere Generation tickt ganz anders.
**im Brahm:** Der deutsche Markt verfolgt bei der Einführung neuer Technologien in der Regel einen eher vorsichtigen und regulierungsorientierten Ansatz. Dies lässt sich derzeit auch im Bereich der künstlichen Intelligenz beobachten, wo Märkte wie Großbritannien und die nordischen Länder in Bezug auf Einführung, Erprobung und betriebliche Integration im Allgemeinen schneller vorankommen.
**van der Deijl:** Das hat vielleicht auch mit Risikoaversion zu tun. Interessanterweise war Deutschland aber bei Blockchain und Krypto relativ schnell – da wurde früh eine neue Regulierung eingeführt, und Hauck Aufhäuser Lampe hat tatsächlich eine der ersten Lizenzen bekommen.
Stichwort KI: Was verändert sich konkret schon im Tagesgeschäft?
**van der Deijl:** Wir haben verantwortungsbewusste KI vollständig in unsere Strategie integriert. Auf der Grundlage von ChatGPT haben wir unser eigenes ABN-Amro-GPT implementiert und allen unseren Mitarbeitern Copilot zur Verfügung gestellt. Mir fällt auf, dass es enorme Unterstützung bei Anwendungsfällen im Kundenservice gibt und dass unser „Backlog“ sehr umfangreich ist. Mehrere Anwendungsfälle wurden bereits umgesetzt; so ist beispielsweise das niederländische Kundenservicecenter um 30 bis 40 Prozent effizienter, da Kundengespräche von der KI abgehört, zusammengefasst und direkt gespeichert werden können. Darüber hinaus gibt es zusätzliche Unterstützung für unsere Berater bei der Vorbereitung auf Kundengespräche. Im Hinblick auf die persönliche Effizienz sehe ich viele Möglichkeiten im Bereich der Prompts; wir haben eine Gruppe von KI-Navigatoren, die aktiv Prompts erstellen und Wissen austauschen. Als Bank prüfen wir derzeit den Einsatz von KI-Agenten, um die Bankprozesse weiter zu unterstützen und unseren Kunden exzellente Dienstleistungen zu bieten.
Was wünschen Sie sich noch?
**van der Deijl:** Dass wir die Beratung tatsächlich auch kräftig durch KI unterstützen lassen, weil es regulatorisch recht komplex ist. Wenn KI mithört und sagt: „Pass mal auf, hier solltest du dem Kunden die möglichen Folgen der Beratung erläutern oder bitte dafür sorgen, dass du hier die Ex-ante-Kostenangabe einbringst.“ Das ist ein vielversprechender Anwendungsfall, an dem wir derzeit arbeiten.
**im Brahm:** In der Finanzbranche gibt es bereits zahlreiche Anwendungsfälle für KI – von der Optimierung des Portfoliomanagements über intelligente KYC- und Compliance-Analysen bis hin zur Prozessautomatisierung und zur Steigerung der betrieblichen Effizienz. Was jedoch oft noch fehlt, ist ein wirklich ganzheitlicher Ansatz. Die entscheidende Frage lautet nicht mehr, ob KI eingesetzt wird, sondern wie KI effektiv in das gesamte Ökosystem integriert werden kann. Zu diesem Ökosystem gehören nicht nur Banken und Vermögensverwalter selbst, sondern auch Technologieanbieter, Plattformanbieter und Dienstleistungspartner. Insbesondere im Bereich der Agenten-KI hängt der Erfolg davon ab, wie die Marktteilnehmer zusammenarbeiten. Gleichzeitig agiert der Markt in einem zunehmend regulierten Umfeld. Der EU-KI-Gesetzentwurf führt zusätzliche Anforderungen in Bezug auf Governance, Transparenz, Risikomanagement und Erklärbarkeit ein, die von Anfang an in die strategische Planung und die operative Umsetzung einbezogen werden müssen.
Sie haben die Unterstützung in der Beratung betont. Wie lange bleibt der Wealth Manager als Berater für den Kunden dann noch unverzichtbar?
**van der Deijl:** Im Private Banking sind wir überzeugt, dass KI wirklich nur unterstützend sein kann und dass die Beziehung mit einem Relationship Manager das Wichtigste ist. Ob das in 15 Jahren noch so ist, ist eine andere Frage. Aber im Moment sehen wir das wirklich nur als Add-on – genauso wie vor zehn Jahren das Online-Portal und die Mobile-Banking-App Add-ons waren. Das Wichtige bleibt die Beziehung mit dem Berater.
**im Brahm:** Viele sehen den größten Nutzen der KI darin, dass sie Berater von Recherche-, Analyse- und operativen Aufgaben entlastet, sodass diese mehr Zeit mit Kunden verbringen und sich auf wertschöpfende Beratungsleistungen konzentrieren können. Gleichzeitig hat sich der Fortschritt in den letzten Jahrzehnten kontinuierlich beschleunigt. Jede technologische Welle hat Geschäftsmodelle, Prozesse und ganze Branchen grundlegend verändert. Mit der KI erleben wir nun den nächsten großen Sprung, der noch schneller voranschreitet. Dennoch wird insbesondere in der Vermögensverwaltung der menschliche Faktor unverzichtbar bleiben: Vertrauen und langfristige Kundenbeziehungen werden weiterhin in erster Linie durch persönliche Interaktion aufgebaut.
Schauen wir auf ABN Amro als Ganzes. Herr van der Deijl, Sie haben beeindruckende Zahlen gezeigt: 22.000 Mitarbeiter, 5,6 Millionen Kunden, 241 Milliarden Euro Kredite, 228 Milliarden Euro Kundeneinlagen. Wie positioniert sich die Bank?
**van der Deijl:** Wir sind eine der am besten kapitalisierten Banken in Europa, finanziell stark und international positioniert. Unser Fokus liegt auf Nordwest-Europa, wir haben ein starkes internationales Netzwerk in 13 Ländern. Wir haben Top-Ratings von Standard & Poor’s, Moody’s und Fitch. Und wir haben eine moderate Risikobereitschaft – eine Cost-Income-Ratio von 61 Prozent. Das gibt uns Stabilität.
Trade Republic hat acht Millionen Kunden. Ist das eine Bedrohung?
**van der Deijl:** Wenn ich nur auf Bethmann schaue: Die Neobroker haben wahnsinnig viele Kunden, Trade Republic hat acht Millionen. Aber wenn wir unsere Zielpopulation anschauen, sind da noch nicht so viele Trade-Republic-Kunden dabei. Bei Bethmann sprechen wir von Private-Banking-Kunden (und dem damit verbundenen verwalteten Vermögen). Wir stellen fest, dass sich dies verändert, da Vermögen vererbt wird und die neue Generation nachrückt, und wir tragen diesem Umstand in unserer Strategie aktiv Rechnung.
Dora, AI Act, Mifid – ist Regulierung eher Treiber oder Bremse?
**van der Deijl:** Ich glaube nicht, dass wir über alle Regulierungen dasselbe sagen können. Es gibt Regulierungen, die auch neue Business-Modelle ermöglichen – zum Beispiel Fida, wo Banken sich öffnen können, das könnte ein Motor sein. Andere Regulierungen erfordern Investitionen und könnten als Bremse angesehen werden. Und das Dritte ist: Ohne Regulierung geht auch mal etwas schief. Bremse finde ich nicht das richtige Wort. Ich würde sagen, es ist eine balancierte Plakette. Meine private Anmerkung: Ob jetzt viele Kunden wirklich auf alles warten, was mit der Mifid-Regulierung implementiert worden ist – wenn ich mich persönlich anschaue, nicht immer. Kunden schätzen Sicherheit und einen besseren Service, aber ob sie die Art und Weise, wie dies in Vorschriften umgesetzt wurde, immer zu schätzen wissen, bleibt fraglich. Oder anders ausgedrückt: Ob Kunden tatsächlich den Mehrwert erkennen, den die Regulierungsbehörden im Sinn hatten, ist eine andere Frage. Ich glaube, dass die Regulatoren das jetzt auch sehen und versuchen, das zu beschleunigen, zu vereinfachen.
**im Brahm:** Für uns als Wealthtech-Partner wird immer deutlicher, wie sich die Budgetprioritäten innerhalb der Banken entwickeln. Während in den Jahren nach der FinanzkriseInvestitionen fast ausschließlich durch regulatorische Anforderungen bestimmt waren, stellen wir nun fest, dass Banken zunehmend Mittel für Digitalisierung, Automatisierung und strategische Innovationsinitiativen bereitstellen. Es zeichnet sich allmählich ein ausgewogeneres regulatorisches Umfeld ab. In Gesprächen mit Vertretern der Aufsichtsbehörden hat sich gezeigt, dass die starke Regulierungswelle nach der Finanzkrise bewusst sehr restriktiv war und dass im Laufe der Zeit eine gewisse Normalisierung erwartet wird. Vorschriften wie Dora sind relevant, insbesondere in den Bereichen Cybersicherheit, Datensicherheit und operative Resilienz. Diese regulatorischen Rahmenbedingungen tragen dazu bei, dass Organisationen strukturierter, technologisch widerstandsfähiger und operativ ausgereifter werden.
*Der Artikel ist auch auf der Website des Private Banking Magazins verfügbar – [klicken Sie dazu hier.](https://www.private-banking-magazin.de/abn-amro-hauck-aufhaeuser-lampe-fusion-integration/)*.
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
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## Sign Up for our Newsletter
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Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Article
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---
### [When scaling requires challenging the status quo](https://objectway.com/when-scaling-requires-challenging-the-status-quo/)
**Published:** July 30, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Recorded at Objectway’s OWIN26 Customer Conference, Alexander Cassar and Leda Glyptis discuss the future of wealth management, trust, and transformation.
**Content:**
###### AUG O5, 2026
# When Scaling requires challenging the status quo
[Dr. Alexander Cassar](https://www.linkedin.com/in/sandrocassar/)
CEO UK, Objectway
[Leda Glyptis](https://www.linkedin.com/in/leda-glyptis-phd-272492/)
Author and Advisor
OWIN26
[\#Customerconference](/customer-conference/)[\#OWIN](/owin/)[\#Scalability](/scalability)[\#Digitalisation](/digitalisation/)[\#Clientrelationship]()[\#Artificialintelligence](/artificial-intelligence/)[\#CeoTalk](/ceotalk/)
[](/podcast-owin-26/)
Listen to Other Episodes
Recorded during the **OWIN26 Customer Conference** in collaboration with The Wealth Mosaic, this podcast brings together **Alexander Cassar, CEO UK at Objectway**, and **Leda Glyptis, renowned author and advisor**, for a thought-provoking conversation on the forces reshaping financial services and wealth management. Drawing on their respective industry experiences, they explore how firms can navigate transformation while maintaining trust, relevance, and long-term value for clients.
Dr. Alexander Cassar highlights the growing importance of **strategic partnerships**, **scalable operating models**, and **technology-driven innovation** as key enablers of sustainable growth in the wealth and investment management sector. From his perspective, success increasingly depends on the ability to combine specialised capabilities, orchestrate complex ecosystems, and deliver seamless client experiences while responding to evolving market and regulatory demands.
Leda Glyptis brings a broader industry lens to the discussion, reflecting on the cultural and organisational shifts required for meaningful transformation. She emphasises that technology alone is not enough; firms must also foster **transparency**, **adaptability**, and **genuine collaboration** across stakeholders. Her perspective underscores the importance of aligning innovation with clear business outcomes and client needs.
Throughout the conversation, both speakers converge on a central theme: **trust** remains the foundation of successful financial services ecosystems. Whether between institutions, technology providers, or end clients, enduring relationships are built on shared accountability, openness, and a commitment to delivering mutual value. As the industry continues to evolve, they argue that the organisations best positioned for the future will be those able to combine innovation, partnership, and execution excellence in equal measure.
**RELATED POST**
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**Categories:** #ArtificialIntelligence, #CeoTalk, #ClientRelationship, #CustomerConference, #Digitalisation, #Owin, #Scalability, OWIN26, Podcast
---
### [IFB Tech Expo 202622nd July 2026](https://objectway.com/ifb-tech-expo-2026/)
**Published:** June 16, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** The IFB Tech Expo brings together leading solutions and industry expertise to explore how innovation is reshaping advisory practices.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# IFB Tech Expo 2026
22nd July 2026 – The IFB Tech Expo – July 2026 edition brings together leading solutions and industry expertise to explore how innovation is reshaping advisory practices.
## Agenda
Wednesday, 22nd July 2026
12:00 PM – 3:30 PM ET | Online
RazorPlan: Simplifying Financial Planning
Mike Logashov, Product Manager, Objectway
This live webinar will feature Mike Logashov, Product Manager at Objectway, who will share practical insights into how financial planning technology can support advisors in delivering more scalable, consistent, and client-centric services.
Building on the principles of scalable innovation—strong operational foundations, integrated ecosystems, and intelligent use of AI—the session will highlight how modern platforms enable advisors to move beyond fragmented tools toward more efficient and connected workflows.
Participants will benefit from:
- A curated showcase of purpose-built technology for financial professionals
- Live demonstrations and interactive Q&A sessions with experts
- Insights into financial planning at scale, automation, AI, and CRM innovation
- Practical approaches to enhancing efficiency, improving client engagement, and supporting business growth
Designed for forward-looking financial professionals, this webinar offers a clear view of how to leverage technology to build more scalable and resilient advisory models.
**[Register now to secure your place and discover how to elevate your practice through intelligent, scalable solutions.](https://www.ifbc.ca/event/2026-tech-expo-july)**
Whether you’re looking to boost efficiency, enhance the client experience, or grow your practice, the IFB Tech Expo will get you there. Get ready to explore cutting-edge solutions built for financial advisors and gain exclusive insights to accelerate success.
## Webinar Information
Wednesday, 22nd July 2026, 12:00 PM – 3:30 PM ET | Online
## Speakers
Mike Logashov
Mike is the Product Manager for Financial Planning at Objectway Solutions Inc. With over a decade of experience in the financial services industry, Mike has held both client-facing and product management roles, specializing in financial planning. Before joining Objectway in 2024, Mike worked at one of Canada’s largest financial institutions, leading national projects across various aspects of wealth planning. Mike holds a Bachelor of Commerce in Economics from Toronto Metropolitan University (formerly Ryerson University) and is a Certified Financial Planner (CFP) and Chartered Life Underwriter (CLU).
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[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Event
**Tags:** #customerexperience, #financialinstitutions, #financialservices, #privatebanking, #technology
---
### [Modelli as-a-service e AI: la nuova scalabilità del wealth management](https://objectway.com/modelli-as-a-service-e-ai-la-nuova-scalabilita-del-wealth-management/)
**Published:** June 26, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** L’AI e i modelli as-a-service stanno cambiando il settore del wealth, del banking e dell’asset management.
**Content:**
[](/news/)
View all News
# Modelli as-a-service e AI: la nuova scalabilità del wealth management
26 Giugno 2026 – L’AI e i modelli as-a-service stanno cambiando il settore del wealth, del banking e dell’asset management. Secondo la ricerca Objectway-Monitor Deloitte, possono diventare una leva per integrare innovazione, ridurre la complessità operativa e scalare.
C’è una dimensione, quella tecnologica, che oggi unisce banche e operatori del risparmio gestito. Una dimensione sempre più centrale per rispondere a una clientela più evoluta, a bisogni più complessi e a un contesto segnato da pressione regolamentare, competizione e crescente internazionalizzazione dei patrimoni.
In questo scenario, innovare non significa aggiungere nuova complessità. Al contrario, la sfida è rendere processi, infrastrutture e servizi più scalabili, integrabili e capaci di sostenere una personalizzazione sempre più spinta. È qui che i **modelli as-a-service** stanno assumendo un ruolo crescente: non solo come strumenti di efficienza, ma come acceleratori di trasformazione, scalabilità e integrazione dell’intelligenza artificiale nelle architetture operative.
Ma quali sono i vantaggi di questi modelli e perché stanno attirando l’attenzione dell’industria del wealth, banking e asset management? La ricerca condotta da **Objectway e Monitor Deloitte**, presentata in occasione di OWIN26, la customer conference di Objectway, parte proprio da questa domanda.
WBAM, perché la tecnologia diventa strategica
Alle trasformazioni che stanno già ridisegnando il mondo del Wealth, Banking & Asset Management (WBAM) – evoluzione delle aspettative dei clienti, crescente complessità regolamentare e sfide legate all’espansione internazionale – si sono aggiunte due forze dirompenti: l’incertezza macroeconomica e l’AI. La risposta degli operatori non può limitarsi a un aumento degli investimenti tecnologici. Secondo i dati raccolti da Monitor Deloitte, la **spesa globale in tecnologia nel settore è cresciuta tra il 2019 e il 2024 del 5,9% (CAGR)** ed è attesa in ulteriore accelerazione, **fino al 7% entro il 2029**, per un totale di 243 miliardi di euro rispetto ai 173 miliardi del 2024.
Investire in tecnologia, però, non basta. Per trasformare gli investimenti in reale scalabilità serve ripensare l’architettura operativa, rafforzare le competenze interne e, in molti casi, **costruire partnership strategiche con operatori specializzati.** Da qui il crescente interesse per modelli di outsourcing tecnologico e operativo capaci di supportare funzioni core e infrastrutture sempre più complesse.
Modelli as-a-service: il nuovo volto dell’outsourcing
Il *sourcing strategico*, quindi, non è più prerogativa di figure specializzate in azienda, come il COO o il CTO. Sta diventando una priorità anche per CEO e vertici aziendali, perché riguarda direttamente la capacità dell’impresa di crescere, innovare e competere.
La ricerca di Objectway e Monitor Deloitte identifica sei strategie di esternalizzazione delle funzioni tecnologiche e operative nell’industria del WBAM. Tra queste, tre vengono considerate particolarmente innovative: *SaaS e BPaaS, Hybrid SaaS e Pure SaaS*, che si rivelano più efficaci nell’accelerare l’adozione su larga scala delle funzionalità di Agentic AI rispetto alle strategie di sourcing tradizionali.
I modelli *as-a-service* possono quindi diventare un alleato per raggiungere maggiore scalabilità, efficienza operativa e controllo dei costi. La loro adozione è già in crescita: come ha ricordato **Luigi Marciano**, founder & Group CEO di **Objectway**, [intervistato in occasione di OWIN26](https://objectway.com/platforms-ai-and-private-equity-shaping-the-future-of-wealth-management/), tre anni fa solo il 5% dell’esternalizzazione era as-a-service; oggi la quota è salita al 13% ed è destinata a triplicare nei prossimi anni.
In più, secondo un’elaborazione di Monitor Deloitte basata sull’Objectway/FT Longitude Survey 2026, l’adozione da parte delle società più grandi e con presenza internazionale potrebbe passare dall’attuale 23% al 47% nei prossimi due-tre anni. Per le aziende di medie dimensioni, invece, la quota potrebbe salire dall’8% al 31%.
Come superare le barriere all’innovazione
La crescita dei modelli as-a-service si lega anche a una delle forze che più stanno trasformando l’industria finanziaria: **l’intelligenza artificiale.** Per molti operatori del WBAM, tuttavia, integrare davvero l’AI nella propria architettura resta complesso.
La ricerca individua quattro ostacoli principali: **incertezza regolamentare, asimmetria negli investimenti in AI, frammentazione dei dati e carenza di competenze** altamente specializzate. In questo contesto, i modelli as-a-service possono svolgere il ruolo di **facilitatori**, perché permettono di accedere a infrastrutture già integrate, competenze esterne e framework operativi più strutturati. Il vantaggio non riguarda solo la tecnologia in sé, ma la possibilità di ridurre gli investimenti iniziali, migliorare la gestione del rischio, accelerare l’implementazione di nuove soluzioni e accedere a competenze difficilmente replicabili internamente. Per un settore chiamato a innovare senza compromettere compliance, sicurezza e continuità operativa, questo può rappresentare un passaggio decisivo.
Il punto, quindi, non è solo tecnologico. Per gli operatori del wealth, banking e asset management, adottare modelli *as-a-service* significa **ripensare il modo in cui si cresce:** più velocemente, con costi più controllabili e con architetture modulari capaci di adattarsi a mercati, normative e clienti diversi.
Quattro condizioni per una transizione efficace
Completare la transizione dai modelli tradizionali di outsourcing tecnologico e operativo verso soluzioni più evolute richiede pianificazione, metodo e capacità di esecuzione. Il report di Objectway e Monitor Deloitte individua quattro azioni essenziali per raggiungere questo obiettivo.
La prima è **definire con chiarezza quali attività esternalizzare e quali mantenere internamente**, perché questa scelta determina dove si realizzerà il vantaggio competitivo. La seconda è **progettare la soluzione insieme al partner tecnologico**, con un approccio strutturato di solution design, configurandola in base al modello operativo dell’istituzione finanziaria e garantendone la scalabilità, nel rispetto della specifica logica di business.
La terza riguarda la **revisione del *Target Operating Model* (TOM)**, cioè il modello operativo di riferimento, alla luce di un contesto sempre più potenziato dall’AI. Non si tratta solo di automatizzare le attività esistenti, ma di ripensare radicalmente i flussi di lavoro affinché l’Agentic AI possa funzionare come una vera e propria risorsa strategica per l’azienda, promuovendo efficienza e scalabilità. Infine, è necessario **testare il nuovo modello** prima della piena adozione: non solo per verificare che la tecnologia funzioni, ma per assicurarsi che persone, processi e governance siano allineati all’obiettivo finale: un’innovazione davvero scalabile.
*L’articolo è disponibile anche sul sito di We Wealth [cliccando qui](https://www.we-wealth.com/content/modelli-as-a-service-ai-scalabilita-wealth-management)*.
## Related
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[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
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[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
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4 September 2026
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**Categories:** Article
**Tags:** #artificialintelligence, #efficiency, #financialservices, #operationalefficiency, #owin26, #regulation, #scalability, #wealth-management, #wealthmanagementtrends
---
### [PAM Forum 202520th October 2025](https://objectway.com/pam-exclusive-seminar20th-october-2025/)
**Published:** September 17, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** The upcoming PAM seminar will launch the results of the 2025 PAM Digital Survey, sponsored by Objectway.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# PAM Forum 2025
20th October 2025 – Objectway experts will host an Exclusive Seminar organised by PAM to discuss key findings arising from 2025 PAM’s Digital Survey. Mark your calendar and join us in London.
## Agenda
Monday, 20th October 2025
5:00 – 7:45 PM
AI implementation and scalability – PAM’s 2025 Seminar
Dr. Alexander Cassar, Chief Business Development Officer, Objectway
Tariq Khan, Director of Sales and Business Development UK, Middle East & North Africa (MENA), Objectway
Andy Brodie, COO, Rathbones
Max Fakhre, Director, Evelyn Partners
Objectway is proud to sponsor the upcoming **PAM Exclusive Seminar.** During the session, we will unveil the results of the **2025 PAM Digital Survey,** an in-depth research initiative conducted in collaboration between **Objectway and PAM Insight.**
This seminar will delve into the report’s key findings, focusing on how digital strategies, AI integration and robust data management can drive operational efficiency, enhance client acquisition and future-proof wealth management businesses. As the industry continues to evolve in response to client expectations, regulatory pressures, and technological disruption, the integration of advanced digital strategies has become not only a competitive advantage but a business imperative.
Our **Dr. Alexander Cassar, Chief Business Development Officer** and **Tariq Khan, Director of Sales and Business Development UK, Middle East & North Africa (MENA),** will discuss main challenges and issues coming from the strong hype around AI technologies across the industry.
Join us to explore how your organisation can future-proof its operating model, harnessing the power of digital innovation to remain resilient and competitive in an increasingly complex market landscape.
This event will be free to attend and will include CPD points (subject to approval).
## Event Information
Monday, 20th October 2025, Evelyn Partners, 45 Gresham Street EC2V 7BG, London
We’re looking forward to meeting you in London!
## Speakers
Dr. Alexander Cassar
Sandro is responsible for the improvement of the Group’s Business Operations. He has joined Objectway in 2019 and now he is Objectway UK Board Member. He personally delivered a variety of change initiatives working at Director/CXO level in the wealth and asset management industry, supervising global large-scale transformation programmes in financial services. Sandro is a chartered accountant with Doctorate and Master’s Degrees in strategic information systems for wealth and asset management.
Tariq Khan
Tariq is Client Development Director at Objectway and he leads the Business Development and Account Management teams. Tariq is passionate about Wealth management sector and has been working with Wealth Managers for over 15 years, with the prime focus on delivering outstanding client outcomes. He and his team try and achieve this by forming long term partnerships with firms and enabling them to improve their user and end client experience, operational efficiency, and become future ready through Objectway’s digital solutions. Tariq studied Physiology at Kings College London and he holds the Islamic Finance Qualification.
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4 August 2026
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8 July 2026
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**Categories:** Event
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---
### [Objectway expands into capital markets with its project to acquire French specialist SLIB, pushing forward its pan-European growth strategy](https://objectway.com/objectway-expands-into-capital-markets-with-its-project-to-acquire-french-specialist-slib-pushing-forward-its-pan-european-growth-strategy/)
**Published:** July 27, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway expands into capital markets with its project to acquire French specialist SLIB, broadening its client base with major European asset servicers.
**Content:**
[](/news/)
View all News
# Objectway expands into capital markets with its project to acquire French specialist SLIB, pushing forward its pan-European growth strategy
Strong complementary offering and expertise create new opportunities for strengthening strategic presence in France and broadening end-to-end proposition across key European markets.
Key takeaways
- With this transaction, Objectway will extend its direct presence in France, adding another leading financial centre to its current footprint in major European hubs such as Italy, Germany, Switzerland, Benelux and the UK.
- Objectway will expand its offering across the investment services value chain, adding capital markets capabilities to its existing proposition for wealth management, private banking and asset management.
- SLIB will also broaden Objectway’s client base with major European asset servicers, broker-dealers and banks, alongside strengthening Objectway’s long-standing relationships with shared clients such as BNP Paribas.
**Milan, Paris, 27th July 2026** – Objectway, the pan-European wealthtech solution partner for banking, wealth and asset management firms, today announced that it has entered into exclusive negotiations with BNP Paribas and Natixis, granting them the right to transfer their entire stake in SLIB (Services Logiciels d’Intégration Boursière), a trusted partner specialised in the development of dedicated software solutions for the capital markets sector, to Objectway.
The completion of the transaction remains subject to the satisfaction of customary conditions, including regulatory approvals and the finalisation of applicable information and consultation processes with the relevant employee representative bodies, and is expected to close by December 31, 2026.
About SLIB
SLIB (Services Logiciels d’Intégration Boursière) is a trusted technology partner to the capital markets industry. Founded in 1988 from the IT department of the Lyon Stock Exchange, SLIB has grown over more than 30 years into a specialised software provider serving 30 prominent customers through a team of more than 140 professionals based in Paris, Lyon and Lisbon.
SLIB has been trusted by major European asset servicers, broker-dealers and banks. This combination strengthens Objectway’s long-standing relationships with shared clients such as BNP Paribas, while expanding its footprint across additional leading financial institutions. It offers a portfolio of FinTech and RegTech solutions spanning end-to-end securities processing, retail brokerage and risk management. Complementing its software offering, SLIB also delivers a full range of professional services, helping clients implement, operate and continuously evolve their technology platforms.
Objectway’s platform today supports institutions across the distribution and manufacturing of investment services — from client lifecycle management, advisory and portfolio management, to core banking, securities back-office and fund administration — for wealth management, private banking and asset management clients across EMEA and Canada.
The acquisition of SLIB will extend Objectway’s coverage of the investment services value chain into the trading and execution layer of capital markets, adding front-to-back securities processing, clearing, settlement and risk management capabilities. Combined, the two businesses will support clients across the full financial services value chain end-to-end, reinforcing Objectway’s proposition for institutions seeking a strategic solution partner. The transaction will also broaden Objectway’s client base and operational footprint in France, while extending presence into the Iberian Peninsula through SLIB’s established hub in Lisbon, and creating opportunities for further strategic partnerships with international financial institutions across other leading European financial hubs.
The financial services industry has entered a phase where growth depends on the ability to combine innovation with scalability. Institutions are seeking partners that not only modernise technology and operations but also orchestrate business capabilities enabling them to scale. This acquisition project reflects our long-term strategy to broaden our expertise, strengthen our pan-European presence and help clients navigate increasing complexity while creating the foundations for sustainable growth. The true value of an acquisition lies in the successful combination of people, expertise and shared ambitions. Our focus is on creating one integrated team that builds on the strengths of both organisations to provide continuity for existing clients and preserve the trusted relationships established over the years.
[](https://www.linkedin.com/in/luigi-marciano-66b9538/)### Luigi Marciano
Founder and Group CEO of Objectway
Alain Pochet, Chairman of SLIB, and Philippe Ruault, CEO of SLIB, who has successfully led SLIB to date, will both remain with the business following completion. Together, they will ensure continuity for employees, clients and partners, while supporting the company’s integration within Objectway.
This transaction project opens a new chapter for SLIB, giving us the scale and resources of a pan-European platform while preserving what has made us a trusted partner for our clients for over 30 years. Objectway shares our commitment to long-term relationships and technical excellence, and I am confident this combination will accelerate our growth ambitions.
[](https://www.linkedin.com/in/alainpochet/)### Alain Pochet
Chairman of SLIB
Joining Objectway is a natural next step for SLIB. It allows us to offer our clients an even broader range of capabilities while keeping the same team, the same expertise and the same level of proximity they have always relied on. I look forward to continuing to lead SLIB through this integration and building on the strong foundations we have established.
[](https://www.linkedin.com/in/philipperuault/)### Philippe Ruault
CEO of SLIB
Advisors to Objectway on the projected transaction included Monitor Deloitte for Business Due Diligence and strategic advisory, Deloitte Italy for Financial Due Diligence support, Giovannelli e Associati Law (Milan) and Aramis Law (Paris) for legal advisory.
## Related
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[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
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[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
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Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Press Release
**Tags:** #businessgrowth, #businessreconfiguration, #financialservices, #oneobjectway
---
### [Scaling Client Experience Excellence While Preserving Heritage and Enabling Future Growth](https://objectway.com/scaling-client-experience-excellence-while-preserving-heritage-and-enabling-future-growth/)
**Published:** July 23, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway and Rathbones explore the evolution of wealth management, where client-centricity and AI-driven innovation enable scalable client engagement.
**Content:**
###### JULY 23, 2026
# Scaling Client Experience Excellence While Preserving Heritage and Enabling Future Growth
[Laura Faverzani](https://www.linkedin.com/in/laura-faverzani-350401/)
CEO Canada and Managing Director – Digital Client Management, Objectway
[Simonetta Rigo](https://www.linkedin.com/in/simonettarigo/)
Chief Client Officer, Rathbones
Video Interview
[\#Businessdevelopment](/businessdevelopment/)[\#CeoTalk](/ceotalk/)[\#Customerconference](/customer-conference/)[\#Portfoliomanagement](/portfolio-management-h/)[\#Offeringevolution](/offering-evolution/)
Recorded during the **OWIN26 Customer Conference**, this interview brings together **Laura Faverzani, CEO Canada and Managing Director – Digital Client Management** at **Objectway**, and **Simonetta Rigo, Chief Client Officer** at **Rathbones**. Their conversation offers a strategic perspective on the evolution of wealth management, where digital transformation, client-centricity, and AI-enabled innovation are becoming essential drivers of scalable, high-quality client engagement.
Laura highlights the importance of the long-standing **strategic partnership** between Objectway and Rathbones, emphasizing that **scalability** must be designed from day one. From Objectway’s perspective, successful transformation requires more than the introduction of digital tools: it depends on the ability to orchestrate a **fully integrated front-to-back-to-front operating model**, connecting digital capabilities, core systems, and advisory processes in real time. This approach enables financial institutions to move beyond separate digital and operational layers, creating a unified ecosystem that can support growth, complexity, and evolving client expectations.
Simonetta Rigo presents Rathbones’ ambition to deliver a **proactive, personalized, and effortless client experience**. She underlines that true client centricity starts with a disciplined understanding of client needs, supported by client insights, data analytics, and continuous feedback. In her view, digital innovation must always be measured against its ability to improve the client journey, ensuring that every initiative creates meaningful value and strengthens the relationship between clients, advisors, and the firm.
Both speakers identify several priorities shaping the future of digital wealth management:
- **accessibility** for all users
- a **next-generation brand experience**, and
- **consistent omnichannel engagement** across digital and human touchpoints.
The interview also highlights the role of **AI as an enabler** of more scalable and client-centric wealth management models. Laura Faverzani emphasizes that AI should enhance, not replace, the advisor’s role, supporting timely insights and greater personalization while remaining grounded in **trust, transparency** and **compliance**. Simonetta Rigo adds that effective digital personalization can also be delivered by segment, when based on robust client insight, enabling experiences that reflect real client behaviours and expectations.
The conversation ultimately confirms a shared vision for the future of FinTech and wealth management: technology, data, and AI can accelerate innovation and operational efficiency, but sustainable differentiation depends on **combining digital scale**, **human expertise**, and a **relentless focus on client outcomes**.
**RELATED POST**
News
### Tech’s role in supporting Rathbones’ ambition to be the best UK wealth manager
[](https://objectway.com/techs-role-in-supporting-rathbones-ambition-to-be-the-best-uk-wealth-manager/)
Interviews
### Platforms, AI and Private Equity Shaping the Future of Wealth Management
[](https://objectway.com/platforms-ai-and-private-equity-shaping-the-future-of-wealth-management/)
Podcast
### Innovation, Legacy Systems and Scaling Client Experience
[](https://objectway.com/innovation-legacy-systems-and-scaling-client-experience/)
**Categories:** #BusinessDevelopment, #CeoTalk, #CustomerConference, #Offeringevolution, #PortfolioManagement, OWIN26 interview, Video Interview
---
### [A Conversation with the Two Luigis: Objectway’s Journey, Growth Strategy & Future](https://objectway.com/the-objectway-journey-towards-scalable-innovation/)
**Published:** July 21, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** A conversation between Objectway and Cinven on growth, innovation, AI and the future of scalable wealth management across Europe.
**Content:**
###### JULY 21, 2026
# A Conversation with the Two Luigis: Objectway’s Journey, Growth Strategy & Future
[Luigi Marciano](https://www.linkedin.com/in/luigi-marciano-66b9538/)
CEO & Group Founder, Objectway
[Luigi Sbrozzi](https://www.linkedin.com/in/luigi-sbrozzi/)
Partner, Cinven
OWIN26
[\#Customerconference](/customer-conference/)[\#OWIN](/owin/)[\#Scalability](/scalability)[\#Digitalisation](/digitalisation/)[\#Clientrelationship]()[\#Artificialintelligence](/artificial-intelligence/)[\#CeoTalk](/ceotalk/)
[](/podcast-owin-26/)
Listen to Other Episodes
Recorded during the **OWIN26 Customer Conference** in collaboration with The Wealth Mosaic, this conversation brings together **Luigi Marciano, CEO & Group Founder** of **Objectway**, and **Luigi Sbrozzi, Partner at Cinven**, to discuss the evolution of Objectway, the strategic vision behind Cinven’s investment, and the future of innovation in wealth management.
Luigi Marciano reflects on Objectway’s journey from a technology-driven startup to one of Europe’s leading wealth management software providers. He explains how the company pioneered a platform-based approach to wealth management, combining technology, business expertise and international expansion to support wealth managers, private banks and asset managers across multiple European markets.
From Cinven’s perspective, Luigi Sbrozzi highlights the factors that made Objectway a compelling investment opportunity. He points to the company’s unique pan-European footprint, strong leadership, proven growth trajectory and ability to address the increasing complexity of the wealth management industry through scalable technology solutions.
A central theme of the discussion is Objectway’s transition from traditional software delivery to a **Solution-as-a-Service model**, helping clients achieve business outcomes rather than simply implementing technology. Both speakers emphasise the importance of long-term partnerships, operational scalability and continuous innovation in supporting the transformation of financial institutions.
The conversation also explores the impact of **Artificial Intelligence**, with Luigi Marciano describing how AI is expected to enhance productivity, automate operations and improve client engagement, while enabling advisors to focus on higher-value activities. Objectway’s goal is to provide the technological foundation that allows firms to adopt these capabilities in a scalable and sustainable way.
Looking ahead, Marciano and Sbrozzi share a common vision: accelerating growth, expanding Objectway’s presence across Europe, and helping wealth management firms build resilient, future-ready business models. Their message reflects the overarching theme of OWIN26 — **Innovation Built to Scale** — where technology, strategy and partnership come together to drive long-term success.
**RELATED POST**
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### Consulenza e wealth management: nuovi modelli, più valore
[](https://objectway.com/consulenza-e-wealth-management-nuovi-modelli-piu-valore/)
Interviews
### Platforms, AI and Private Equity Shaping the Future of Wealth Management
[](https://objectway.com/platforms-ai-and-private-equity-shaping-the-future-of-wealth-management/)
Podcast
### Innovation, Legacy Systems and Scaling Client Experience
[](https://objectway.com/innovation-legacy-systems-and-scaling-client-experience/)
**Categories:** #ArtificialIntelligence, #CeoTalk, #ClientRelationship, #CustomerConference, #Digitalisation, #Owin, #Scalability, OWIN26, Podcast
---
### [Unlocking Profitable Growth Through Scalability in Wealth Management](https://objectway.com/unlocking-profitable-growth-through-scalability-in-wealth-management/)
**Published:** July 16, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Scalability—not innovation alone—is emerging as the key competitive advantage in wealth management, driving profitability, AI adoption, and sustainable growth.
**Content:**
[](/news/)
View all News
# Unlocking Profitable Growth Through Scalability in Wealth Management
16th July 2026 – Scalability and innovation are two words that are used without fail in conversations about technology and AI in wealth management. Most seem to lean towards innovation being the key to achieving a competitive edge, however recent research from Objectway in collaboration with FT Longitude seems to suggest otherwise.
Firms that are able to achieve scalability are reaping the benefits in terms of profitability, the research found.
It split firms into ‘leaders’ – representing 41 percent of firms who are achieving scale and profitable growth – and ‘followers’ – accounting for 38 percent of firms, who are deemed to be struggling to convert investment into tangible results. The remaining 21 percent sit somewhere in the middle, unable to demonstrate consistent scalability.
While less than half are achieving consistent scale, the link between scale and profitability is clear.
Firms defined as leaders are over four times more likely to achieve more than 15 percent profit growth in client services, with 18 percent of leaders managing this compare with just four percent of followers.
There are a number of barriers firms face when it comes to achieving scalable growth. The top three structural barriers were cited by respondents as: integration issues across systems (45 percent); poor data quality (41 percent); and fragmented technological infrastructure (33 percent).
Moreover, approximately 40 percent identified client onboarding processes as a “major constraint” to growth, highlighting clunky and lengthy systems.
With this in mind, unlocking scalability successfully may appear to be a significant challenge for wealth managers.
However, Manuel Pincetti, managing partner, Monitor Deloitte, believes it is possible for firms to overcome these barriers. For him, the “turning point” will come in how technology expenditure is seen.
Currently, most firms view this spending as capital expenditure (CapEx) rather than operating expenditure (OpEx). The “shift” in profitability will come when this flips and wealth firms see technology spend as OpEx.
Another clear “profitability driver” is the as-a-service model. The research found the firms that have adopted these models consistently achieve double-digit profit growth, regardless of size.
This does not all need to be done in-house, meaning firms do not have to invest in hugely expensive internal technology teams.
Indeed, Mr Pincetti stressed “mission critical processes” can now be outsourced to reputable third party vendors. For wealth firms, this represents a significant opportunity to expand as it can help solve issues surrounding accessing top talent, as well as remove headaches surrounding compliance and system updates.
Firms are already doing this, with approximately a quarter already using as-a-service models as a primary scaling lever.
In the next three years client onboarding via as-a-service is expected to grow from 24 percent to 54 percent, according to Objectway’s research.
Technology providers are seeing these partnerships growing in volume, with Objectway’s chief executive – Luigi Marciano – acknowledging certain activities “do not necessarily have to be done internally.”
Partnering frees up firms and allows them to focus on what they really do well, deepening client relationships and hopefully improving client outcomes.
The key to a successful partnership is taking a bigger picture view and looking for greater opportunities. True partnerships are “not driven by cost cutting,” Mr Marciano stressed.
AI adoption is another area wealth firms have the opportunity to gain a competitive advantage. Presently, the majority of wealth firms are not prioritising embedding AI into their processes and business activities.
‘Leaders’ are more likely to do this, with 56 percent of these firms doing so, while just 33 percent of ‘followers’ are prioritising AI.
For those struggling with integrating AI, Mr Marciano encouraged them to look externally. “It is much more effective to partner” with a specialist, he argued. This is due to the need for clean, integrated data to be able to fully realise the benefits on offer, as well as the time and investment required to keep up with the frequent developments and upgrades on offer as the technology matures.
This time is “like the golden age” for AI, acknowledged Mr Marciano, but the real opportunity lies not in the technology itself, but in how effectively it is embedded into solution design, orchestrated across ecosystems, and aligned to client outcomes.
As ‘leaders’ realise this, wealth managers are now “beginning to see the potential and opportunity” of AI and use cases are gradually starting to be seen, but there is still a long way to go if the full benefits are to be unlocked by the industry to achieve greater scale and efficiency.
The key to a successful partnership is taking a bigger picture view and looking for greater opportunities. True partnerships are not driven by cost cutting.
[](https://www.linkedin.com/in/luigi-marciano-66b9538/)### Luigi Marciano
Group Founder & CEO, Objectway
*[Click here](https://www.paminsight.com/twn/article/can-scalability-unlock-a-competitive-edge-for-wealth-managers) to read the article on The Wealth Net website.*
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
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**Categories:** Article
**Tags:** #artificialintelligence, #efficiency, #financialservices, #operationalefficiency, #owin26, #regulation, #scalability
---
### [About Objectway The Blueprint for Scale: As-a-Service models through strategic Partnerships](https://objectway.com/the-blueprint-for-scale-as-a-service-models-through-strategic-partnerships/)
**Published:** July 15, 2026
**Author:** Beatrice Scotti
**Excerpt:** As complexity becomes structural, banks and asset managers must rethink sourcing—embracing as-a-service models and trusted partnerships to unlock scalable growth.
**Content:**
###### JUL 27, 2026
# The Blueprint for Scale: As-a-Service models through strategic Partnerships
[Marianna Vilardi](https://www.linkedin.com/in/marianna-vilardi-1bb057163/)
Communication Specialist, Objectway
About Objectway
[\#Artificialintelligence](/artificial-intelligence/)[\#Businessdevelopment](/businessdevelopment/)[\#DigitalChange](/digitalchange/)[\#Onboarding](/onboarding/)[\#Scalability](/scalability)
Financial services have rarely been short of transformation agendas. Yet, there is a growing sense that something isn’t adding up. As Manuel Pincetti, Partner at Monitor Deloitte, argued in his keynote at OWIN26, the pressures the industry knows well — client expectations, regulatory fragmentation, market expansion — are now hitting simultaneously and reinforcing each other. Their interaction has made complexity structural, not cyclical.
And the industry’s instinct to spend its way out has not kept pace: technology budgets have grown in step with assets under management, yet only 28% of financial institutions report having achieved genuine end-to-end scalability across front and back-office operations.
More than 90% of executives identify legacy technical debt as a growing drag on innovation. A significant share of IT spend is locked into maintenance, infrastructure, and operational run-the-bank activities. Compliance absorbs what remains.
As Pincetti emphasises, *“Scaling becomes difficult when an increasing share of technical and operational spend is locked into un-compressible items.”*
This is not a problem that more investment resolves. It is a structural problem — which means it requires a structural response.
The real lever: how you source, not how much you spend
This marks a subtle but important reorientation. For decades, operating models have been designed around ownership – of infrastructure, of applications, of capability. Increasingly, that assumption is being challenged by models that prioritise access over ownership, and orchestration over control.
Across the market, organisations are moving along a spectrum: from traditional build-and-run approaches, through outsourcing models, into hybrid SaaS environments and fully integrated as-a-service ecosystems. What was once peripheral is now moving into the mainstream, with innovative sourcing models growing from less than 10% of spend five to six years ago to nearly 18% today.
The direction is clear. *“The lever is not only investment. It is sourcing design.”* Pincetti argued.
Much more than a delivery model
As-a-service models is not simply a matter of cost optimisation. It changes the shape of what institutions need to carry internally. It reduces complexity by moving non-differentiating activities into specialised ecosystems. It enables configurability at scale, allowing institutions to move beyond rigid “adopt or reject” decisions towards more adaptive design choices. And it converts capital-heavy commitments into operational models tied more directly to outcomes.
*“Beyond simply managing complexity, partnerships give banks access to specialised capabilities that are too costly to build internally, while also providing the flexibility to scale during peak demand or transformation initiatives.”* – Thomas de Nil, Head of Savings & Investments at vdk bank
The principle that emerges is deceptively simple: retain what differentiates, externalise what scales.
*“Focus on your front-end, your clients, and your customers—let your partners take care of the rest.”* – Karl de Borger, Head of Sales & Relationship Management at KBC Securities Services
AI sharpens the case. Treated as an isolated transformation agenda it arrives with a familiar set of problems: –regulatory uncertainty, data fragmentation, resource intensity, and talent scarcity not easily resolved within traditional operating models. Treated as a component of an externalised service ecosystem – where compliance, infrastructure, and expertise are already integrated — it becomes something more manageable and more durable.
*“AI is no longer a discrete technology but a structural component, and the real question is not ideological - it’s pragmatic: which AI workloads are sensitive enough to require sovereign, governed environments, and how do we make AI repeatable, defensible, and a long-term competitive advantage?”* – Morgan Polidori, Sales Lead Vertical FSI and Strategic Accounts Italy at Equinix
The deeper implication is one that the industry has been slow to absorb: this is not a project. It is an operating model redesign question. Too often, institutions approach transformation as a sequence of isolated initiatives - system upgrades, platform migrations, process optimisation programmes. The result is movement without coherence. The architecture changes, but the underlying logic doesn’t.
*“The goal is building infrastructure that truly matches what operating models need — partnering with the right providers, turning complexity into clear choices, and creating a foundation where businesses can run, scale, and deliver on every customer expectation.”* – Florindo Pascarella, Pre-sales Solutions Architect at Dell Technologies
Moving into as-a-service models forces a more fundamental reckoning: what does the organisation actually differentiate on? What can be externalised without losing control? How is value created across a distributed ecosystem of partners rather than within a single, owned stack?
*“The most critical step in working with external partners is clearly defining scope—what is needed on day one, what can scale over time, and just as importantly, what will deliberately remain in-house.”* - Thomas de Nil, Head of Savings & Investments at vdk bank
Crucially, this is not a technical exercise. It is a strategic one.
And scalability Leaders seem to know this already. Their as-a-service adoption is materially higher than Followers across the board — from tax and regulatory reporting (84% vs 48%) to client onboarding (79% vs 39%) and portfolio management (56% vs 28%). The breadth of that gap, more than its depth in any single area, points to a fundamental difference in how operating models are designed. Leaders are not building scale through internal transformation alone — they are extending it through as-a-service models where these improve resilience, throughput and specialist capability.
The new centre of gravity: Trusted Partnership
As financial institutions move further into as-a-service models, the conversation shifts from what to externalise to who can be trusted to operate with it. The notion of a “vendor” becomes increasingly insufficient, and the role of ecosystem partner comes to the fore.
*“Partner’s role is to absorb complexity so wealth managers and advisors can focus entirely on their client relationships.”* – Dennis Wallestad, Head of Pershing EMEA at BNY Pershing
A partner operates as an extension of the organisation rather than an adjacent provider: aligned on outcomes, responsive to change, and engaged not only at delivery milestones but across the full lifecycle of the relationship, from commercial negotiation through implementation and into daily operations. That level of integration is built on something fundamental.
*“Trust is not a milestone in the relationship; it is the precondition for scale. Partnerships need transparency. Without it, you simply don’t build the trust needed to make it work.”* — Alexander Cassar, CEO UK at Objectway
Beyond trust sits a more practical requirement: the ability to operate across jurisdictional complexity without either flattening it or drowning in it.
Financial services is a patchwork of regulatory regimes, tax frameworks, supervisory expectations, and local market practices. A partner that imposes standardisation where local nuance is competitively relevant destroys value. One that rebuilds everything from scratch in every market is not scalable. What the right partner offers is something in between: operating patterns that are modular by design, but configurable where true differentiation matters.
*“The central tension lies between standardization for scale and efficiency, and customization for competitive differentiation.”* — Karl de Borger, Head of Sales & Relationship Management at KBC Securities Services
This capability extends into ecosystem orchestration. Delivery today is rarely linear or single-provider. The right partner is able to operate effectively in multi-party environments where accountability is explicit, interfaces are stable, and coordination is structured. In these settings, success depends less on integration effort and more on disciplined orchestration.
*“Financial services firms are built on interconnected ecosystems — collaboration, security, scale, and zero downtime are not choices, they are design principles. The key is keeping it simple: scalability and resilience must be engineered from the beginning, with IT serving as a business enabler, not a cost center.”* – Stefano Zai, Business Development Manager, IT Services Division at Ricoh
Taken together, this profile is not defined by the sheer scale of capability, but by the quality of fit. The right partner does not eliminate complexity—they make it governable within a system designed to scale.
What scale actually means now
The ambition to scale has not changed, but what has changed is the definition of scalability.
Scale is no longer about building larger systems or deploying more technology. It is about designing organisations that can continuously reconfigure capability across internal and external boundaries, in response to a structural environment that will not stop shifting.
The institutions best positioned to navigate that environment are not necessarily the ones with the largest budgets or the most advanced technology. They are the ones that have learned to structure differently: building less, sourcing more intelligently, and treating complexity not as a problem to be eliminated, but as a condition to be governed.
That is the transformation that actually matters. And it is architectural, not digital.
**RELATED POST**
News
### OWIN26: as-a-service e AI per trasformare la complessità in efficienza
[](https://objectway.com/owin26-as-a-service-e-ai-per-trasformare-la-complessita-in-efficienza/)
Analyst Research
### Master complexity to unlock scale: the as-a-service imperative for Wealth, Banking and Asset Management/h3>
[](https://objectway.com/download-analyst-research-monitor-deloitte-master-complexity-to-unlock-scale-the-as-a-service-imperative-for-wealth-banking-asset-management/)
News
### €243B Tech spend ahead, but only 1 in 4 firms achieves scale: WBAM Research reveals structural paradox
[](https://objectway.com/objectway-monitor-deloitte-wbam-tech-spend-as-a-service-scalability-report-2026/)
**Categories:** #Automation, #BehaviouralFinance, #BusinessDevelopment, #CustomerConference, #Offeringevolution, #Scalability, #Sustainableinnovation, About Objectway, Blog
---
### [About Objectway Operational Scale Through Trusted Automation And Disciplined Process Design](https://objectway.com/operational-scale-through-trusted-automation-and-disciplined-process-design/)
**Published:** July 10, 2026
**Author:** Beatrice Scotti
**Excerpt:** As wealth grows and complexity rises, firms must balance efficiency and resilience through scalable processes, automation, adaptable architecture and governance.
**Content:**
###### JUL 13, 2026
# Operational Scale Through Trusted Automation And Disciplined Process Design
[Marianna Vilardi](https://www.linkedin.com/in/marianna-vilardi-1bb057163/)
Communication Specialist, Objectway
About Objectway
[\#Automation](/automation/)[\#Behaviouralfinance](/behaviouralfinance/)[\#Businessdevelopment](/businessdevelopment/)[\#Offeringevolution](/offering-evolution/)[\#Customerconference](/customer-conference/)[\#Scalability](/scalability)[\#SustainableInnovation](/sustainable-innovation/)
Many successful businesses reach a point where growth no longer provides straightforward achievements but instead becomes a structural stress test. A phase that rarely arrives with a clear warning. During her keynote at OWIN26, Ashley Longabaugh, Head of Wealth Management at Celent, framed this not as an anomaly, but as a predictable stage in the lifecycle of scale.
*“Most firms don’t hit a wall,”* Longabaugh observed. *“They hit a system that was never designed for what success eventually becomes.”*
It is a distinction worth sitting with. What appears to be an operational issue is often a mismatch between how firms grow and how their operating models absorb that growth.
A story of how success may become the bottleneck
Picture a discretionary portfolio proposition launched successfully across Europe. In the early months, everything appeared healthy. Demand built quickly. Advisors were engaged, clients were allocating capital, and the front office was confident in the direction of travel. But behind the scenes, operations were absorbing an increasing share of the load, and soon something begun to change.
Onboarding slowed. Corporate actions accumulated. Compliance checks started to stack up in queues. Service levels did not collapse – they eroded quietly, almost imperceptibly, until clients noticed. Nothing had actually gone wrong. *“The strategy was sound. The demand was real. The issue was that they underestimated what success itself would require operationally,”* Longabaugh explained.
Each new client triggered multiple workflows and regulatory obligations. Each new product introduced layers of compliance and servicing requirements. Each new market brought its own operational interpretation of the same underlying process.
In short, growth did not scale the business – it scaled complexity. And complexity, unlike assets under management, does not grow neatly.
A perfect storm – and the paradox at the heart of scale
This is not an isolated case study. It reflects a broader structural inflection point across the industry. With global wealth projected to exceed $500 trillion by the end of the decade, client expectations are set to rise further, product innovation to accelerate, regulation to intensify – all while much of today’s infrastructure was designed for a different era. One defined by lower volumes, fewer products, and slower change cycles.
Notably, the strain is not coming from a single source, but from the convergence of multiple forces.
*“Wealth management is entering a transformative phase similar to shifts seen in other industries, where scale, regulation, and global competition are reshaping the landscape, pushing European players to rethink their positioning and focus on differentiated, client-centric solutions that deliver real value.”* – Mauro Panebianco, Parter – Asset & Wealth Management EMEA Advisory Leader at PwC.
Firms are facing a tension that does not resolve easily: the need to become more efficient while simultaneously becoming more resilient. Efficiency pushes towards standardisation, automation, and removal of redundancy. Resilience demands flexibility, exception handling, and tolerance for variation. Goals that often conflict in practice.
This is the paradox: both efficiency and resilience are necessary but pursuing them independently leads to compromise.
Succeeding firms are approaching the problem differently. Not through trade-offs, but through design-led solutions structured around three foundations.
Process: where scale begins
A recurring mistake is the assumption that technology can fix process complexity, whereas in reality, it tends to amplify it. This becomes especially visible in onboarding journeys where data is captured multiple times, documentation requirements vary by region, and manual checks are layered onto already complex workflows.
The alternative starts earlier: with process clarity. What is truly necessary? Where is effort duplicated? Which variations create real value, and which only create friction? From there emerges a more resilient concept: portable processes. Standardised across markets, consistent across products, but designed to adapt without constant redesign. In a constantly changing environment, resilience begins with processes that can absorb change rather than resist it.
*“Technology alone is not sufficient without a redesign of the operating model. Achieving scale requires addressing technology and the end-to-end operating model together, ensuring that implementation is fully aligned with specific business requirements.”* – Charles Harper, Head of Offshore Investments at Standard Bank Group
Automation: building trust into efficiency
Automation in our industry is often framed in terms of speed or cost. But the more meaningful shift now is towards trust.
Automation without control introduces risk. Control without automation introduces friction. The goal is to embed both – integrating compliance into workflows rather than adding it afterwards, routing exceptions intelligently, enabling straight-through processing where appropriate, while preserving human judgment where it matters.
The result is consistency, improved auditability, and reduced operational risk. *“Automation should not replace oversight. It should make oversight scalable.”* – Ashley Longabaugh.
Architecture: the adaptability advantage
If process defines what is done, and automation defines how it is executed, architecture determines what is possible.
Many firms today operate on accumulated systems incrementally built over years. Individually rational, collectively constraining. This often manifests as slow product launches, expensive integration efforts, and limited flexibility to adopt new capabilities without significant disruption.
The emerging response is modular architecture: interoperable components connected through shared data layers and standardised interfaces.
This approach allows firms to evolve continuously. Components can be upgraded independently. New capabilities can be introduced without destabilising the whole system.
Governance: the fourth dimension of scale
As AI becomes embedded across operations, governance emerges as a critical fourth dimension.
Data quality, model transparency, and behavioural monitoring are structural requirements, ensuring AI remains explainable, auditable, and controlled, at scale.
*“Strong data management capabilities have become a mandatory foundation for competitive organisations, underpinning client insight, regulatory compliance, and operational efficiency.”* – Mauro Panebianco, Parter – Asset & Wealth Management EMEA Advisory Leader at PwC
*“When governance is embedded,”* Ashley noted, *“AI becomes not just powerful, but trustworthy.”*
Operations as strategy in disguise
A persistent imbalance remains in many firms: front-office innovation receives attention, while operational capability is often treated as background infrastructure. Yet it is operations that determine whether strategy actually works in practice.
*“Operations is no longer a back-office conversation. It is the growth infrastructure.”,* Longabaugh concludes.
*“By building a strong foundation, organisations are able to progressively expand their offering, improve client experience through enhanced portfolio visibility, and strengthen global service delivery through an integrated technology platform – while simultaneously driving significant gains in operational efficiency.”* – Nicola Morrison, Operations Director at Ramsey Crookall & Co.
Success will belong to those who start by simplifying and standardising processes rather than layering complexity; who treat automation as a system of trust, not just efficiency; who build modular architectures capable of continuous evolution; and who embed governance into the foundation rather than the perimeter. [Research](https://objectway.com/download-analyst-research-ft-longitude-built-to-scale-innovation-is-no-longer-a-scarce-resource/) puts a number on it: 20% of Leaders report profitability gains of at least 15% in core operations and processes, compared to 9% of Followers. Profitable scale is strongest where capability has been built into the roots of the operating model, not layered onto it.
Within this context, operations are the hidden architecture of strategy, quietly shaping how ambition translates into outcomes, and determining whether growth is absorbed seamlessly or fractures under its own weight. And ultimately, that is the shift at the core: not avoiding complexity but designing for it so deliberately that it becomes sustainable.
**RELATED POST**
About Objectway
### Personalisation at scale: Reimagining financial services through the lens of the experience
[](https://objectway.com/personalisation-at-scale-reimaging-financial-services-through-the-lens-of-the-experience/)
market trends
### Scaling Through Complexity: Automation and Repeatability in Financial Services
[](https://objectway.com/market-trends-scaling-through-complexity-automation-and-repeatability-in-financial-services/)
Analyst Research
### Built to Scale: Innovation is no longer a scarce resource. The ability to scale is
[](https://objectway.com/download-analyst-research-ft-longitude-built-to-scale-innovation-is-no-longer-a-scarce-resource/)
**Categories:** #Automation, #BehaviouralFinance, #BusinessDevelopment, #CustomerConference, #Offeringevolution, #Scalability, #Sustainableinnovation, About Objectway, Blog
---
### [Marciano (Objectway): “Innovazione nel wealth? Solo se scalabile”](https://objectway.com/marciano-objectway-innovazione-nel-wealth-solo-se-scalabile/)
**Published:** April 20, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** L’innovazione, da sola, non basta. Non è più il punto di svolta. Il punto di svolta è la scalabilità.
**Content:**
[](/news/)
View all News
# Marciano (Objectway): “Innovazione nel wealth? Solo se scalabile”
21 Aprile 2026 – L’industria finanziaria sta vivendo un’età dell’oro sul fronte tecnologico, ma la complessità cresce più rapidamente dei risultati. Marciano (Objectway): “L’innovazione, da sola, non basta. Non è più il punto di svolta. Il punto di svolta è la scalabilità”
L’industria finanziaria sta vivendo quella che, almeno a prima vista, appare come **un’età dell’oro sul fronte tecnologico**. Dal cloud ai “model-as-a-service”, i dati sono diventati una risorsa strategica per le aziende del settore. “Le opportunità di innovazione sono ovunque e la crescita potenziale sembra illimitata”, racconta **Luigi Marciano, fondatore e ceo del Gruppo Objectway** in occasione di **Owin26**, l’annuale evento internazionale dedicato alla community di clienti e stakeholder del settore finanziario, in programma a Sorrento il 14 e 15 aprile. Eppure, dietro questo slancio, emerge un **paradosso sempre più evidente**: “I leader del settore condividono la stessa preoccupazione: la complessità cresce più rapidamente dei risultati e i margini restano sotto pressione. Questo perché le istituzioni devono fare i conti con un aumento continuo di sistemi, vincoli normativi e aspettative sempre più articolate”.
Innovare senza aumentare la complessità
In questo scenario, per gli operatori del wealth e asset management, l’innovazione da sola non basta. “Non è più il punto di svolta”, incalza Marciano. “Il punto di svolta è la **scalabilità**: crescere più rapidamente senza aumentare la complessità, mantenendo l’efficienza e innovando in modo sostenibile, ripetibile e redditizio”. Il successo duraturo passa quindi da una **collaborazione strutturata**, da **basi solide** e da **capacità interconnesse**, più che da sforzi di innovazione isolati. “Serve un ecosistema in cui l’innovazione possa prosperare. È qui che Objectway gioca un ruolo centrale: integriamo una piattaforma end-to-end con un modello di progettazione delle soluzioni che aiuta le aziende a costruire le fondamenta del proprio ecosistema, orchestrandolo e adattandolo ai diversi modelli operativi”, afferma il ceo.
Un sondaggio condotto da Ft Longitude in collaborazione con Objectway, su un campione di 300 dirigenti senior del settore dei servizi finanziari, analizza a sua volta cosa significhi oggi raggiungere una scala redditizia. “I leader della scalabilità – ovvero le organizzazioni che hanno compiuto i maggiori progressi sia nelle operazioni e nei processi core, sia nei servizi alla clientela e nell’onboarding – sono molto **più propensi a generare rendimenti tangibili dall’innovazione”**, spiega **Hannah Freegard, deputy editorial director di Ft Longitude**. Gli investimenti, in questi casi, producono risultati più solidi rispetto a quelli dei cosiddetti “follower”, le realtà in ritardo: i leader registrano infatti con maggiore frequenza **aumenti di redditività superiori al 15%.**
I principali ostacoli alla scalabilità
Secondo l’esperta, si innesca un vero e proprio circolo virtuoso: “Una volta avviato il percorso di scalabilità, la redditività tende a crescere nel tempo”, afferma Freegard. Dai canali self-service completamente digitali all’onboarding fino all’apertura di conti online, i leader riescono infatti a **introdurre nuove funzionalità per la clientela a un ritmo significativamente più rapido**. **Gli ostacoli** alla scalabilità non mancano, ma anche in questo caso il divario tra leader e ritardatari è evidente. Il 39% del campione complessivo cita **l’onboarding** come la principale criticità, seguito dai **costi** e dalla **complessità del front office** (37%). “Tra i leader, però, questo fattore viene indicato molto meno frequentemente come un ostacolo chiave”.
Il focus sulla qualità dei dati e l’Ai
Nei prossimi due anni, secondo l’analisi, i leader punteranno sempre più su **qualità dei dati** (nel 54% dei casi) e **intelligenza artificiale** (56%). I “seguaci” restano invece concentrati sulla riduzione dello sforzo manuale (42%) e – quando ricorrono all’esternalizzazione – lo fanno soprattutto per alleggerire la pressione nel breve periodo. “Non si tratta di un approccio strategico”, conclude Freegard. “Le aziende leader **non esternalizzano in modo indiscriminato**: coinvolgono partner selezionati nelle funzioni operative più rilevanti, con l’obiettivo di aumentare la redditività. Alla fine, tutto torna all’Ai. Ma anche l’Ai contribuisce ad amplificare la scala solo in presenza di solide basi in termini di analisi e controllo dei dati. È un livello di sofisticazione più elevato”.
Le istituzioni devono fare i conti con un aumento continuo di sistemi, vincoli normativi e aspettative sempre più articolate.
[](https://www.linkedin.com/in/karl-im-brahm/)### Luigi Marciano
Group Founder & CEO, Objectway
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Article
**Tags:** #artificialintelligence, #efficiency, #financialservices, #operationalefficiency, #owin26, #regulation, #scalability
---
### [From innovation to scalable advantage: Objectway’s OWIN26 Customer Conference](https://objectway.com/from-innovation-to-scalable-advantage-recapping-objectway-owin26/)
**Published:** May 5, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** As a goal in itself, innovation is no longer enough. That was the key takeaway from two days of keynotes, panels, and client case studies at OWIN26.
**Content:**
[](/news/)
View all News
# From innovation to scalable advantage: Objectway’s OWIN26 Customer Conference
5th May 2026 – As a goal in itself, innovation is no longer enough. That was the key takeaway from two days of keynotes, panels, and client case studies at OWIN26.
Attendees heard that competitive advantage will not come from isolated initiatives, but from firms that combine strong operational foundations, intelligent use of AI, and build ecosystems with trusted partners leveraging scalable sourcing strategies.
Opening Objectway’s fifth customer conference on 14 April in Sorrento, its Group CEO **Luigi Marciano** referenced the town’s famous lemon groves that exist because of a centuries-old grafting technique: a lemon branch onto a bitter orange root – combining the resilience of one with the productivity of the other. The financial industry’s challenge now, he said, is not to generate more ideas, but to graft innovation onto foundations strong enough to sustain and scale it.
Themed “Grafting innovation, cultivating success”, the conference drew wealth and asset managers, custodians, banking executives, and consultants from across Europe and beyond. Attendees heard that competitive advantage will not come from isolated initiatives: firms must instead combine strong operational foundations, intelligent use of AI, and collaborative ecosystems with trusted partnerships that leverage scalable sourcing strategies to manage growing complexity and evolve with client needs.
Key themes from the two days of sessions, panels, client case studies, and research presentations included:
- The era of innovation as posturing – the lab, the pilot, the proof of concept that never shipped – is over.
- Scalability has become the new strategic imperative: growth now means increasing revenue, service, and reach without adding complexity, cost, or risk at the same pace.
- Strong foundations win: firms that simplify processes, modernise architecture, improve data quality, and automate core operations are those best positioned to innovate profitably.
- Artificial intelligence (AI) is an amplifier, not a shortcut: its value is realised only when layered onto trusted data, governed workflows, and resilient operating models.
- No firm scales alone: the future belongs to tailored ecosystems built through partnership, orchestration, and continuous evolution around client needs.
Scalability – leaders and followers
**Hannah Freegard**, Deputy Editorial Director at FT Longitude, presented findings from a survey of 300 senior financial services decision-makers, conducted in partnership with Objectway. The research introduced a ‘scalability index’ splitting respondents into leaders and followers across two dimensions: the ability to scale profitably client services and onboarding, as well as core operations. What separated the two groups was not ambition or investment levels, but the sequence of their transformation programmes.
Scalability leaders, Freegard explained, followed a pattern: get the data right and the core operations clean; use externalisation strategically to accelerate; finally, layer AI on top as an amplifier. Followers, by contrast, were still trying to reduce manual effort, bringing in external partners to relieve near-term pressure rather than enable long-term growth and foundational changes.
The commercial gap between the two was stark: leaders were far more likely to report profitability gains above 15 percent from scaling initiatives. In onboarding – cited by respondents as the biggest bottleneck to scalability – leaders had largely solved the problem, with 75 percent already deploying end-to-end, digitally enabled onboarding and account opening, versus only 34 percent among followers, who were still drowning in it.
Solution as a service
Objectway COO International, **Alberto Cuccu**, described a treatment plan. He called Objectway’s proposition “solution as a service” – not pure SaaS in the commodity sense, but a composable, configurable model that standardises the foundations and differentiates on top.
Scale, he said, is not the same as growth: it means growing revenue without growing complexity, cost, or risk at the same pace – breaking the linear relationship between volume and operational overhead.
Firms that have found success in achieving true scale have a few things in common, Cuccu said:
- Composable architecture
- A disciplined adoption sequence
- The approach of standardising before applying differentiation.
He also spoke about the role of AI in achieving scale, viewing it as an amplifier rather than a strategy. He described an industry transition from “systems of operations” – the automated workflow foundations built over the last decade – toward “systems of action”, where AI agents execute processes autonomously, with humans supervising rather than doing.
AI stress-tests your infrastructure, Cuccu warned. If the foundations are weak, adding AI to them doesn’t accelerate the business, it accelerates the failure.
The discipline behind the vision
Conference chair **Leda Glyptis**, author of the book Beyond Resilience: Patterns of Success in Fintech and Digital Transformation which examines success and failure across digital ventures, said successful ventures:
- Solve problems that are genuinely big enough to matter, not just interesting to their founders;
- Manage executive attention as carefully as budget – knowing that, inside a large organisation, the money rarely runs out but the headspace can;
- Work backwards from their internal budget cycles – rather than building a pure product roadmap and then being surprised when the CFO meeting landed badly; and
- Back their vision without leaving a door open to retreat.
To that last point, Glyptis cited Capital One which, in 2015, became the first major bank to go all-in on public cloud by switching off its mainframes entirely. “If you can roll back, you will roll back under pressure”, she argued. Not giving yourself that option is uncomfortable, but it’s also what forces an organisation to go forward rather than retreat, she said.
She linked this to the “followers” in FT Longitude’s research – still hedging, and placing greater emphasis to selective, punctual activities. The “leaders”, by contrast, had made the uncomfortable decision to commit decisively.
“Scale like a platform, style like a brand”
**Edoardo Zavarella**, principal consultant at Forrester, opened a thematic track on maintaining personalised services as they scale. He outlined “four pillars of customer experience” – personalisation, speed, proactivity, and self-service – which he said “should also be the principles that structure your efforts to rewrite your processes or acquire technology”.
Demographic change in wealth management should be viewed through evolving client behaviours, not just product demand, he argued – pointing to Forrester research that showed a shift from delegation towards more self-directed, digitally enabled investors.
**Laura Faverzani**, Objectway CEO Canada & Managing Director – Digital Client Management, explored personalisation further in a joint session with **Simonetta Rigo**, Chief Client Officer at Rathbones. Faverzani emphasised platform-based scalability, AI-enabled engagement, and the potential of seamless, omnichannel journeys. Rigo focused on combining human advisory with AI and how investing in data, digital design, and hyper-personalisation can enhance client and employee experience. Both stressed balancing efficiency and experience – “scale like a platform, style like a brand” – as Faverzani put it.
Objectway’s Business Development Director **Nicola Pepè** joined Zurich Bank Chief Operating Officer **Omar Campana** to discuss scalable innovation in the context of an advisory business. Pepè framed a shift from product-led to service-centric wealth management, where value comes from orchestrating advice, data, and client insight around three pillars – network, proposition, and platform.
Campana illustrated this through Zurich’s data-driven, platform-based model – combining advisory network, advanced analytics, and personalised services – arguing that technology enables advisers to deliver differentiated value as the business continues to evolve.
Building on the findings of research she had presented earlier at the event, Freegard moderated an afternoon panel which explored what separates scalability leaders from followers.
**Stephanie Auge-Dickhut** of Business Engineering Institute St. Gallen highlighted foundational enablers such as data quality, open architecture, and real-time processing. **Paolo Magnani**, Deputy Managing Director at Credem, described AI-driven advisory models supporting personalised client interactions. **Maarten Lindner** of Rabobank pointed to organisational complexity and legacy systems as constraints, while Objectway Director of Sales and Account Management **Tariq Khan** advocated modular platforms, partnership models, and AI as an “intelligence layer” that can enable scalable, client-centric innovation.
Scaling operational efficiency
In a keynote, Celent’s Head of Wealth Management **Ashley Longabaugh** argued that front office innovation can only travel as far as the operating model beneath it allows. New products, digital onboarding, market expansion, and personalised service all depend on processes that can cope with volume, exceptions and regulation. In that sense, operations are where strategy either becomes reality or stalls.
Speaking on the topic of scaling though consolidation, **Gianbattista Geroldi**, CEO Italy for Objectway, and **Andrea Cattaneo**, Head of Italy, Switzerland & Iberia of BNP Paribas Securities Services, highlighted the “operational efficiency paradox” of balancing standardisation with customisation, and the role of partnership in building scalable platforms.
Consolidation requires standardised platforms, unified data models, and embedded governance to reduce complexity, said Objectway’s CEO for Germany, Austria, and Switzerland **Karl im Brahm**. ABN AMRO’s Country Operating Officer **Eric Van Der Deijl** illustrated this by describing a multi-year integration across Germany and Luxembourg – phased migration, gap analysis, and platform alignment – framing scalability as a continuous transformation journey balancing growth, regulation, and operational resilience.
After the case studies, **Stephen Wall**, founder of The Wealth Mosaic, led a panel discussion about how wealth management firms can practically achieve operational efficiency and resilience.
Standard Bank Group’s head of offshore investments **Charles Harper** presented an ambitious plan to grow its client base from 3,500 to 60,000 across different jurisdictions. **Nicola Morrison**, Operations Director at Isle of Man investment services firm Ramsey Crookall, explained how they had modernised their processes to triple their onboarding capacity without hiring more staff.
Giving a macro perspective, **Mauro Panebianco**, Partner – Asset & Wealth Management EMEA Advisory Leader at PwC discussed the structural pressures facing the industry due to competition and consolidation. **Alberto Cuccu** of Objectway emphasised that scalability hinges on forming strong partnerships, implementing standardisation, and embracing change.
A route through complexity
Monitor Deloitte partner **Manuel Pincetti** warned against treating transformation as a technology project owned solely by IT. Successful change, he argued, requires business sponsorship, redesign of end-to-end processes, and structured change management from the outset rather than at go-live. Simply replacing systems without rethinking workflows risks moving cost rather than removing it.
Geroldi introduced a client case study of the company’s multi-entity partnership with Crédit Agricole, with a keynote drawn from different parts of the group’s global structure: **Giorgio Solcia**, Country Managing Director from asset servicing and global custody arm CACEIS Bank, with which Objectway works on transfer agent and investment compliance services; **Lara Boccotti**, Deputy COO from Italian asset management arm Amundi SGR, with which it collaborates on discretionary portfolio management, and **Simona Feudatari/span>**, Chief Operating Officer from wealth management brand Indosuez Wealth Management Italy, with which it addresses the specific challenge of fitting Italian regulatory requirements onto a global operating model.
Together, they illustrated how technology partnerships can evolve from vendor relationships into strategic, service-oriented ecosystems spanning operational integration, regulatory complexity, client personalisation, and innovation in digital assets, tokenisation, and AI.
In the final panel, chaired by Pincetti, scalability was framed as an ecosystem effort across firms, platforms, and partners, grounded in trust, governance, accountability.
**Thomas De Nil**, Head of Savings & Investments, vdk bank, highlighted shifting operational complexity to specialised partners to free relationship managers for client value. **Karl De Borger**, Head of Sales & Relationship Management, KBC Securities Services, described a dual model combining industrialised processing with modular services delivered under strict governance and regulatory timelines. **Alexander Cassar**, CEO UK of Objectway, emphasised composable architectures, disciplined standardisation, and transparent partnerships as key to scaling collaboratively.
Transformation is an ongoing journey, Glyptis said as she closed the event, with partnership acting as the “golden thread” linking innovation, scalability, and long-term competitive advantage. The industry has spent years generating innovation. What it now needs – urgently, and with far more discipline than it has applied to the generation of ideas – is the ability to make that innovation stick, scale, and pay.
## Related
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[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
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[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
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[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
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---
### [Innovation built to scale at Objectway's OWIN26](https://objectway.com/innovation-built-to-scale-at-objectways-owin26/)
**Published:** April 28, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway founder and group CEO Luigi Marciano argued that scalability, rather than innovation alone, is the sector's current point of inflection.
**Content:**
[](/news/)
View all News
# Innovation built to scale at Objectway’s OWIN26
28th April 2026 – The wealth management industry reconvened at OWIN26 to define how ecosystem-based partnerships, solution-as-a-service models, and governed AI on top of composable platforms can convert abundant innovation into scalable, client-centric growth without adding complexity.
Objectway, a pan-European strategic partner for banks, asset and wealth managers in the growth and scaling of their businesses, marked “innovation built to scale” as the central theme at its OWIN26 Customer Conference held this month in Sorrento. The industry gathering targeted the complexities that arise with digital growth in wealth management, with an agenda featuring a number of high-profile Objectway success stories.
Taking to the stage for opening remarks, Objectway founder and group CEO Luigi Marciano argued that scalability, rather than innovation alone, is the sector’s current point of inflection. “Scalability means doing more without adding more complexity, growing faster while maintaining efficiency, delivering innovation in a way that is sustainable, repeatable and profitable,” he told the audience.
Marciano pointed to the “innovation diamond” – comprising client experience, offering, and operating model – as a framework for inspiring more tailored, orchestrated ecosystems. He described this optimal set-up for scaling as one that could allow capabilities to work together seamlessly while preserving individual strengths, warning that “scale without differentiation is just standardisation”.
He added that “scaling is a journey, not a destination”, and urged firms to design solutions that evolve as client expectations, competition, and technology change. COO Alberto Cuccu picked up on these points during his following keynote, stating that “the real differentiator is the ability to orchestrate in-house and partner capabilities into a unified ecosystem”.
Ecosystems, not islands
Cuccu presented Objectway’s Solution-as-a-Service model as an example of this differentiator, stating that the model “enables scalable innovation by combining efficiency, flexibility and client-specific value in a single model”. He emphasised that “composable architecture is the key to orchestrating scalable operating models without increasing complexity”.
In view of AI, Cuccu recognised the technology as an “amplifier of scalability”, and predicted the industry moving to “systems of actions”, where AI is used to “execute processes autonomously with much less humans in the loop, but where humans will remain in control of supervision, validation and accountability”.
When applied to wealth management, Cuccu said systems of action will sit on top of the existing operational foundations that expose data and business logic via APIs and events. Agents then combine this with large language models to run tasks, connect to tools like Salesforce or SAP, and respond to chat commands.
Cuccu revealed plans for Objectway to deliver such a system, confirming with the audience: “We are currently building a new generation of intelligent agents.” His statement continued: “These agents will extend and amplify the existing capabilities of our platform and will be orchestrated within the platform.”
While he didn’t provide a definitive timeline for this development, Cuccu made clear that “any solution using AI needs to have rigid controls on data in terms of privacy and quality, and must be able to guarantee the explainability of actions and decisions taken by AI agents”. The operational obligations picked up as a result of using AI were further highlighted by Ashley Longabaugh, head of wealth management at Celent.
Capability meets responsibility
“AI is no longer experimental. It’s becoming embedded in daily workflows. But AI doesn’t simplify operations by default. It introduces new layers, model, governance, data dependencies, and monitoring requirements,” Longabaugh explained in her presentation. “So while AI increases capability, it also increases responsibility.”
She cited strengthened data foundations and governance frameworks as central to scaling AI responsibly, and pointed to the need for integrated feedback loops for continuous monitoring and a clear model for execution. “When governance is embedded, AI becomes not just powerful, but trustworthy, and that’s what allows it to scale,” Longabaugh said.
She reframed the growth challenge as an operational design problem, and warned that “complexity is not temporary, it’s structural”, before urging firms to start with process because “technology doesn’t fix process, it reflects it, and at scale, it amplifies it”.
Innovation in continuity
In a joint interview at the conference with FinTech Futures, Objectway’s leadership framed “innovation built to scale” around the realities of operating a regulated and operationally complex financial institution.
“Financial institutions are complex organisations, and they have to guarantee strong continuity with their technology platforms, so they cannot innovate like a start-up,” Marciano told FinTech Futures. “They have to evolve and innovate in continuity, because they must guarantee operational resilience.”
Marciano, who has led Objectway since 1990, pointed to the rise of the Digital Operational Resilience Act (DORA) and its mandate for operational continuity as a driver of this more recent style of innovation. “DORA has become a very important topic for banks,” he said. “The technology environment of a financial institution is an ecosystem of different providers that have to be orchestrated altogether.”
The CEO emphasised outcomes and durability over one-off wins: “Innovation has to be outcome-driven.” He noted that firms are “looking for innovation that provides a clear business outcome that enables scale”, and stressed focus and timing: “Our framework turns innovation into scalable outcomes through structured orchestration and disciplined execution.”
On client experience, Marciano highlighted how further personalisation could be achieved by combining a standardised core with client servicing capabilities, underscoring how Objectway’s technology “enables personalisation at scale, so the experience of every single client can be personalised” – a capability he describes as “an important differentiator”.
Joining the interview, Cuccu pointed to the depth of digital engagement even in older demographics: “If you consider that the average age of our clients’ customers is over 60, achieving a 63% digital penetration rate into such an age group is a great result.”
Looking ahead, Objectway’s expansion priorities appear to be both selective and sequenced. Marciano explained: “We are a Pan European player, and we want to expand and consolidate this leadership as a European leader,” citing North America as “a very important market.” The company chose its entry point carefully: “We decided that the best way to start landing in North America was through Canada,” with Cuccu noting, “The Canadian financial services industry is more aligned with European regulations than America.”
To accelerate these plans, Objectway sold a majority stake to international private equity firm Cinven in August last year. Through the co-control partnership, closed for an undisclosed amount, Marciano said the company sought “a strong financial partner to support us in scaling Objectway as a clear category leader, to accelerate growth, enhance our platform, and support global expansion”.
He confirmed that leadership retains operational control of the company, and now leans into the expertise provided by Cinven to “decide together on strategy aspects, like acquisitions and large investments”. The partnership followed a year-long, Deloitte-supported business plan and a scan of US and European funds, with Cinven selected as “one of the few Pan European private equities with deep expertise and networks to draw on, particularly in the areas aligned with Objectway’s core geographic and sector strengths”, active in Germany, France, and Italy – identified as core markets for Objectway.
Execution over hype
As OWIN26 drew to a close, the message was clear: “innovation built to scale” is less about headline features and more about disciplined execution supported by composable foundations and a Solution-as-a-Service ecosystem, with AI providing amplification under embedded governance.
With outcome-driven priorities shaped by operational resilience requirements such as DORA, and personalisation delivered on a standardised core, Objectway’s approach appears to blend continuity with change. Coupled with a sequenced expansion path – entering North America via Canada and Cinven’s financial backing – the company is placing a calculated bet that orchestrated partnerships will define the next chapter of scalable wealth management.
Financial institutions are complex organisations, and they have to guarantee strong continuity with their technology platforms, so they cannot innovate like a start-up. They have to evolve and innovate in continuity, because they must guarantee operational resilience.
[](https://www.linkedin.com/in/karl-im-brahm/)### Luigi Marciano
Group Founder & CEO, Objectway
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4 September 2026
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---
### [Credem accelera sull’innovazione e sul WM evoluto: AI e piattaforme per la relazione col cliente](https://objectway.com/credem-accelera-sullinnovazione-e-sul-wm-evoluto-ai-e-piattaforme-per-la-relazione-col-cliente/)
**Published:** April 28, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Credem evolve il proprio modello di servizio per la clientela private e upper affluent con il supporto tecnologico di Objectway.
**Content:**
[](/news/)
View all News
# Credem accelera sull’innovazione e sul WM evoluto: AI e piattaforme per la relazione col cliente
28 Aprile 2026 – Dalla qualità del portafoglio alla centralità del dato, passando per l’intelligenza artificiale e le architetture scalabili. Credem evolve il proprio modello di servizio per la clientela private e upper affluent, proseguendo inoltre il percorso di evoluzione del servizio di gestione patrimoniale con il supporto tecnologico di Objectway.
L’obiettivo è chiaro: rafforzare la relazione e liberare valore per banker e clienti, sia nel segmento private sia nel segmento retail, come hanno raccontato ad AziendaBanca Paolo Magnani, Vice Direttore Generale di Credem, e Nicola Pepè, Business Development Director di Objectway, in occasione dell’evento OWIN26 di Objectway a Sorrento.
Dalla relazione al valore: la consulenza evoluta del gruppo Credem
Da anni il gruppo bancario investe in un modello di servizio capace di coniugare relazione umana e tecnologica, andando oltre il semplice collocamento dei prodotti per puntare sulla qualità del portafoglio di investimento dei clienti e della consulenza, in generale.
Credem ha quindi sviluppato una piattaforma personalizzata che analizza quotidianamente i portafogli dei clienti, integrando metriche avanzate e suggerimenti operativi per il banker. Così da rafforzare la relazione e migliorare la **consapevolezza finanziaria** del cliente. «Per noi – racconta Paolo Magnani, Vice Direttore Generale di Credem – la relazione non è più basata sul singolo prodotto, ma sulla qualità del portafoglio facendo leva anche sull’evoluzione della cultura del banker. In questo senso, l’AI sarà un acceleratore fondamentale».
Una piattaforma industriale per la qualità degli investimenti
Il modello si traduce in realtà quotidiana attraverso l’utilizzo di una piattaforma che valuta sistematicamente ogni portafoglio attraverso controlli qualitativi strutturati: dodici indicatori che spaziano dall’asset allocation al rischio, fino alla sostenibilità, che restituiscono un punteggio da 1 a 5 per valutare il livello di qualità del portafoglio.
Ogni notte il sistema rielabora le posizioni dei clienti e produce raccomandazioni operative. E il giorno successivo, il banker si trova a disposizione proposte già strutturate, che può utilizzare direttamente o adattare in base alla conoscenza degli obiettivi di vita e investimento del cliente.
«Ogni portafoglio viene valutato con un sistema di quality check molto articolato – spiega Magnani. Il banker può partire da queste indicazioni, modificarle oppure costruire una proposta completamente nuova, mantenendo sempre il controllo della consulenza. Questo approccio consente di superare la logica del prodotto e di lavorare sulla qualità complessiva del portafoglio».
Il dato come fondamento della gestione dei patrimoni
Alla base di questo modello di servizio risiede un elemento imprescindibile: il dato. Che però deve essere di qualità, integrato e governato, in particolare in un contesto in cui le informazioni sul cliente sono frammentate e disperse tra più intermediari. Ed è qui che emergono i limiti dell’open banking e le potenzialità dell’open finance con la PSD3. «Oggi molti clienti sono multibancarizzati e fanno fatica a comprendere il rischio complessivo del proprio patrimonio – osserva Magnani. Senza una reale capacità di aggregare e leggere i dati, diventa difficile offrire una consulenza a 360 gradi».
Il ruolo della tecnologia: le fondamenta secondo Objectway
La sfida è quindi costruire un’architettura in grado di raccogliere, normalizzare e valorizzare grandi volumi di informazioni, mantenendo al tempo stesso elevati standard di qualità e compliance.
E in questo percorso, il contributo tecnologico di Objectway si innesta come abilitatore chiave. L’approccio si basa su tre direttrici principali: qualità del dato, orchestrazione dei servizi e scalabilità.
«Le fondamenta sono legate alla qualità del dato, strutturato e non strutturato, che va gestito e ripulito, anche per ovviare alle ridondanze – commenta Nicola Pepè, Business Development Director di Objectway. A questo si aggiunge la capacità di orchestrare servizi e di costruire un’architettura scalabile, tipicamente in cloud. L’obiettivo è spostare il focus dalla tecnologia in sé al servizio, creando un ecosistema flessibile in grado di adattarsi all’evoluzione dei modelli di consulenza».
Nuove interfacce e GenAI a supporto del banker
L’innovazione non riguarda solo il back-end, ma anche il modo in cui il banker interagisce con la tecnologia. Objectway sta lavorando su **interfacce conversazionali** e strumenti di GenAI pensati per semplificare e potenziare l’operatività quotidiana. «Stiamo introducendo interfacce diverse, anche conversazionali, che permettano al consulente di dialogare con l’AI e ottenere supporto concreto. Ma è fondamentale che gli strumenti siano affidabili: senza fiducia, il banker non li utilizza – sottolinea Pepè. In questo contesto, la GenAI gioca un ruolo importante anche nella costruzione dello storytelling, aiutando il banker a preparare le interazioni con il cliente in modo più efficace».
Verso modelli multi-agent e gestione della ricchezza “augmented”
L’evoluzione naturale di questo percorso è rappresentata dai modelli multi-agent, in cui diversi componenti intelligenti collaborano per raccogliere e sintetizzare informazioni, restituendole al banker in forma strutturata.
«L’idea è costruire un contesto completo: una serie di agenti che raccolgono dati e li trasformano in insight pronti all’uso – chiarisce Pepè. Questo riduce le attività manuali e permette ai relationship manager di concentrarsi sulla relazione. Il risultato è un servizio personalizzato ma sostenibile, in cui la tecnologia non sostituisce il banker ma ne amplifica le capacità».
Dalla sperimentazione alla scala: la vera sfida dell’AI
Se il potenziale è chiaro, la sfida oggi è portare queste soluzioni a regime. Il settore si trova in una fase di transizione, in cui è necessario passare dalla sperimentazione all’adozione su larga scala. «L’intelligenza artificiale sta iniziando a incidere anche sul processo di investimento, contribuendo alla definizione delle asset allocation grazie alla capacità di elaborare grandi quantità di informazioni. Ma oggi ci troviamo nel momento più complesso: trasformare le sperimentazioni in processi scalabili – avverte Magnani. Chi utilizza già l’AI ne comprende il valore, ma ora bisogna integrarla davvero nei modelli operativi».
Industrializzare per liberare valore
Il percorso porta infine a un ripensamento del modello operativo: la personalizzazione si dovrà coniugare con processi industrializzati, per migliorare efficienza e sostenibilità. «L’innovazione sta anche nella capacità di fornire consulenza e servizi di qualità crescente, semplificando i processi e riducendo il cost to serve – conclude Magnani. Un equilibrio delicato, ma necessario, per costruire una consulenza realmente evoluta: data-driven, scalabile e sempre più centrata sulla relazione».
L’idea è costruire un contesto completo: una serie di agenti che raccolgono dati e li trasformano in insight pronti all’uso. Questo riduce le attività manuali e permette ai relationship manager di concentrarsi sulla relazione. Il risultato è un servizio personalizzato ma sostenibile, in cui la tecnologia non sostituisce il banker ma ne amplifica le capacità.
[](https://www.linkedin.com/in/nicola-pep%C3%A8-6569861/)### Nicola Pepè
Business Development Director, Objectway
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### [Gli agenti dell’AI in finanza: così trasformano il 70% dei processi](https://objectway.com/gli-agenti-dellai-in-finanza-cosi-trasformano-il-70-dei-processi/)
**Published:** May 18, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** L’industria del WM è segnata da pressioni strategiche, dall’evoluzione delle aspettative dei clienti dalla normativa. In questo quadro, l'AI sta trasformando i processi finanziari.
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# Gli agenti dell’Ai in finanza: così trasformano il 70% dei processi
18 Maggio 2026 – L’industria del wealth e asset management appare segnata da un moltiplicarsi delle pressioni strategiche, dall’evoluzione delle aspettative della clientela all’evoluzione normativa. In questo quadro, l’intelligenza artificiale rappresenta al tempo stesso un acceleratore e un banco di prova.
L’industria del wealth e asset management è entrata in una fase di trasformazione strutturale, segnata da un moltiplicarsi delle fonti di pressione. Tra queste, l’evoluzione delle aspettative della clientela rappresenta uno dei driver più profondi. Non si tratta semplicemente di digitalizzazione, ma di una ridefinizione del modello di relazione: secondo un’analisi condotta da Monitor Deloitte in collaborazione con Objectway, il 70% degli investitori si aspetta oggi un primo contatto digitale con il proprio fornitore di servizi finanziari e un’esperienza perfettamente integrata lungo tutti i canali. L’evoluzione normativa, in questo contesto, non è più solo un vincolo esterno, ma un fattore che ridefinisce priorità e allocazione delle risorse.
La compliance assorbe fino al 20% del budget
“C’è un’importante evoluzione e richiesta di adeguamento alla nuova regolamentazione, non solo sui rischi di natura finanziaria ma sempre di più sui cosiddetti rischi non finanziari. Un processo che sta accelerando”, racconta **Manuel Pincetti, managing partner di Monitor Deloitte** intervenuto in occasione di Owin26, l’annuale evento internazionale organizzato da Objectway dedicato alla community di clienti e stakeholder del settore finanziario. Le implicazioni sono rilevanti: **una quota crescente degli investimenti,** stimata nell’ordine del 20% in Europa, **viene assorbita dall’adeguamento normativo,** comprimendo lo spazio per l’innovazione trasformativa. A questa dinamica si aggiunge un ulteriore elemento di discontinuità: la crescente frammentazione del mercato. Gli strumenti finanziari sono negoziati in oltre 300 sedi di negoziazione in tutta l’Unione europea, a testimonianza di un ecosistema sempre più articolato.
Marciano: “L’innovazione, da sola, non basta”
Il risultato è un paradosso che emerge anche dai dati: nonostante l’aumento significativo degli investimenti tecnologici, solo una minoranza degli operatori riesce a tradurli in scalabilità lungo l’intera catena del valore. **“Solo il 28% delle istituzioni finanziarie globali dichiara di aver raggiunto una reale scalabilità lungo l’intera catena del valore,** dal front-office al back-office”, conferma Pincetti. Il nodo, dunque, non è più quanto si investe, ma come. “L’innovazione, da sola, non è sufficiente per raggiungere la scalabilità”, osserva **Luigi Marciano, fondatore e ceo del Gruppo Objectway,** intercettato da The Signal a margine della conferenza.
Il contesto di mercato ha perso linearità
A frenare le istituzioni finanziarie concorrono diversi fattori. Innanzitutto, il 90% si attende un **aumento significativo del debito tecnico legato ai sistemi legacy.** In secondo luogo, circa la metà della spesa totale in tecnologia è ancorata a **voci di costo non comprimibili,** in particolare alle risorse interne dedicate all’It, all’hardware e alle infrastrutture. Senza dimenticare il **peso crescente della compliance** che, come anticipato, può assorbire oltre il 20% della spesa IT annuale in Europa (una percentuale che scende al 15% per gli Stati Uniti). In parallelo, anche il contesto di mercato ha perso quella linearità che per anni ha sostenuto la crescita del settore. Come evidenzia Marciano, il tradizionale modello di espansione – basato sull’aumento degli asset under management – non è più sufficiente. Volatilità geopolitica, passaggi generazionali e mutamento dei comportamenti della clientela stanno erodendo le certezze del passato, mentre **la crescita rischia di tradursi in un aumento della complessità più che in un reale miglioramento della redditività.**
Il passaggio ai modelli as-a-service
È in questo contesto che emerge il tema della scalabilità come nuova “stella polare” strategica. “Non si tratta più di **innovare per singole iniziative,** ma di **ripensare in modo sistemico il modello operativo,** affinché la crescita non sia accompagnata da un incremento dei costi e della complessità”, afferma Marciano. Una delle leve in questa direzione è rappresentata **dall’evoluzione dei modelli di sourcing**. Il settore sta assistendo infatti a un progressivo spostamento dalle strategie tradizionali – basate su modelli “build and run” o outsourcing classico – verso approcci più avanzati as-a-service. “Se fino a pochi anni fa queste soluzioni rappresentavano una quota marginale della spesa, oggi stanno diventando centrali nelle strategie di trasformazione: la percentuale di istituzioni che adottano modelli as-a-service è attesa passare dal 13% del 2025 a oltre il 35% nei prossimi tre anni”, osserva Pincetti.
Le ragioni, spiega l’esperto, sono molteplici. In primo luogo, la possibilità di **trasferire all’esterno una parte significativa della complessità operativa**, affidandola a partner specializzati. In secondo luogo, l’accesso a **competenze e talenti difficilmente reperibili in-house,** in particolare in ambiti come data science e intelligenza artificiale. Infine, la trasformazione della **struttura dei costi.** “Il passaggio da Capex a Opex consente un maggiore allineamento tra spesa e risultati di business”, afferma Pincetti. Tra l’altro, questo cambiamento non è solo tecnologico, ma anche culturale, **da una logica di autosufficienza a una di orchestrazione dell’ecosistema.** “Le istituzioni finanziarie sono chiamate a ridefinire ciò che costituisce il proprio core distintivo e a costruire partnership strategiche che le aiutino a liberare risorse”, ribadisce Marciano.
Il ruolo dell’intelligenza artificiale
In questo quadro, **l’intelligenza artificiale** rappresenta al tempo stesso un acceleratore e un banco di prova. Dopo una fase iniziale di sperimentazione, il settore si trova oggi a un punto di svolta: l’adozione dell’Ai – in particolare nelle sue declinazioni più avanzate, come l’Ai agentica – sta progressivamente passando da casi d’uso isolati a leve di trasformazione end-to-end dei processi. “L’Ai agentica, se adottata su larga scala, può consentire la **trasformazione di circa il 70% dei processi** tipicamente gestiti da un istituto finanziario”, sottolinea Pincetti. Attualmente, oltre l’80% della realtà del settore a livello mondiale ha già adottato politiche e meccanismi di governance chiari sul fronte dell’Ai o sta lavorando per adottarli.
Verso la logica “human on the loop”
Tuttavia, gli ostacoli restano rilevanti, dalla complessità normativa alla necessità di dati integrati, fino alla carenza di competenze e alla difficoltà nel dimostrare un ritorno economico chiaro su iniziative frammentate. È proprio in questo ambito che il **paradigma as-a-service** può agire da moltiplicatore. “L’Ai abilita l’as-a-service e l’as-a-service abilita l’Ai”, dichiara Pincetti a The Signal. Integrando nativamente compliance, tecnologia e competenze, questi modelli consentono di superare alcune delle principali barriere all’adozione su larga scala dell’Ai, favorendo un approccio scalabile alla trasformazione. In definitiva, secondo Pincetti, occorre spostare il focus da una logica **“human in the loop”** a una **“human on the loop”**: l’intervento umano evolverà verso funzioni di supervisione e governo.
Le istituzioni finanziarie sono chiamate a ridefinire ciò che costituisce il proprio core distintivo e a costruire partnership strategiche che le aiutino a liberare risorse.
[](https://www.linkedin.com/in/luigi-marciano-66b9538/)### Luigi Marciano
Group Founder & CEO, Objectway
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### [Scaling Through Complexity: Automation and Repeatability in Financial Services](https://objectway.com/dealing-with-complexity-in-financial-services-through-automation-and-repeatability/)
**Published:** May 13, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Complexity is a given in FS. But dealing with complexity is what we do at work. Automation, repeatability and reduced complexity is where the uplift is realised.
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# Scaling Through Complexity: Automation and Repeatability in Financial Services
13th May 2026 – At Objectway’s recent customer conference in Sorrento, industry leaders, executives, and experts convened to address one of the defining challenges of modern financial services: managing complexity while driving scalable growth.
Chaired by Leda Glyptis, renowned author and advisor, the OWIN26 Customer Conference explored how organisations can move beyond incremental innovation and build the structural foundations required for long-term competitiveness, profitability, and resilience.
In an environment where complexity is an inherent consequence of growth, financial institutions are increasingly required to adopt a more deliberate and structured approach to scaling. This was a central theme explored to examine how **complexity**—rather than being eliminated—must be intentionally governed and leveraged to support long-term performance and resilience.
Discussions highlighted the critical importance of establishing **strong operational foundations**, including simplifying architectures, consolidating data, and addressing legacy fragmentation. Within this context, automation and repeatability emerged as essential enablers of scalable growth.
As emphasised throughout the conference, **AI** can be a multiplier of existing organisational maturity, delivering meaningful impact only where robust foundations are already in place; otherwise, it risks amplifying inefficiencies. Collectively, these perspectives point to a broader shift: leading institutions are moving beyond simply managing complexity to actively harnessing it as a strategic asset, positioning themselves to **scale with greater clarity, control,** and **confidence.**
*This is an extract from the article written by Leda Glyptis and originally published on the FinTech Futures website. [Click here](https://www.fintechfutures.com/bankingtech/its-always-been-complicated) to read the full article.*
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### [Is the wealth management industry scalable?](https://objectway.com/is-the-wealth-management-industry-scalable/)
**Published:** May 25, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** The wealth management industry is “not scalable” at the present time, claimed Tariq Khan, business development director UK and MENA at Objectway.
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# Is the wealth management industry scalable?
25th May 2026 – The wealth management industry is “not scalable” at the present time, claimed Tariq Khan, business developmentdirector UK and MENA at wealth technology firm Objectway. Speaking to thewealthnet at Objectway’s 2026 Customer Conference, Mr Khan highlighted the benefits that will comefrom achieving scalability.
It is widely accepted that wealth managers are well-trusted by their clients and are “extremely resilient” to a whole hostof market conditions and challenges. Firms are able to deliver reliable and stable revenues and often boast an averageclient tenure of multiple decades. In some cases, firms have been advising a family for more than three generations.
As such, the industry has substantial potential to grow and become more profitable if the issues surrounding scale areresolved.
The good news is Mr Khan is confident the issue is now being addressed and is witnessing the effort and investment going in to creating scale at wealth management firms. “There is an enormous amount of endeavour” going into this, he noted.
Providing this level of investment continues, we will “definitely see scale” appear within the industry in the next 12 to 24 months.
One firm looking to capitalise on this and become more scalable is Standard Bank.
The international bank and wealth manager is seeking to streamline its end-to-end investment process, encompassing the client lifecycle from onboarding to investment management servicing and overall client experience.
By doing this in a scalable manner, the firm hopes to reach more clients and be able to offer services to mass affluent clients for the first time, thus expanding its potential client base.
The aim is to use “technology to scale distribution” to allow the firm to target these new client segments, said Charles Harper, head of offshore investments at Standard Bank.
However, he explained that this process does not come without challenges.
“We are very good at understanding our client base and solutions,” he acknowledged, but stressed the importance of support from third party service providers to ensure the right technology and processes are in place to serve clients as well as possible.
Third party service providers appear to be playing a greater role in the firms that are actively looking to achieve scale, although there is arguably a split in how they are viewed among wealth managers. In the 2025 PAM Digital Report, 21.4 percent of respondents cited third party vendors as the greatest risk to their businesses.
This does not appear to be the case at Standard Bank, with Mr Harper stating the bank will “lean heavily” on partners like Objectway to create a digital roadmap to achieve its aims.
There are many things third party providers can do to become an asset rather than a risk to the firms they support.
For Mr Khan, the key is to “integrate technology in a smart way” that works for a firm’s unique circumstances. Objectway does this by utilising all of its market knowledge and experience and taking lessons from other clients rather than viewing each one in isolation.
It is easy to see if the approach taken is successful too.
“The ultimate test of partnering with clients is seeing the change and subsequent improvements take place,” Mr Khan said.
A key part of the process for all firms is change management and implementation. This is something Mr Harper is aware of at Standard Bank, particularly as the firm has a “long tenure of investment managers” who are used to doing things a certain way.
The hope is that once the investment managers see the benefits of embracing technology, they will come round quickly.
“How we use technology and integrate it into our processes is crucial,” so it cannot be ignored by employees, Mr Harper stressed.
While some firms are well on their way to implementing technology to help achieve scalability, others are lagging behind.
When asked what encourages firms to look to improve their technology and invest more heavily in it, Mr Khan stressed the importance of a “trigger event”. This could come in the form of a merger or acquisition, a desire to introduce a new service line, or a clear need due to legacy systems becoming unreliable or a business risk.
Appetite from wealth managers is further “amplified by what peers are doing in the market”, Mr Khan explained. As more firms invest significantly in technology, the pressure on those that have not yet done so is likely to only intensify.
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### [L’intelligenza artificiale entra in Credem per migliorare i portafogli dei clienti](https://objectway.com/lintelligenza-artificiale-entra-in-credem-per-migliorare-i-portafogli-dei-clienti/)
**Published:** May 28, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Credem introduce nuovi sistemi digitali per elevare la qualità della consulenza finanziaria.
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# L’intelligenza artificiale entra in Credem per migliorare i portafogli dei clienti
28 Maggio 2026 – La banca emiliana introduce nuovi sistemi digitali per elevare la qualità della consulenza finanziaria. La piattaforma analizza i dati ogni notte e fornisce suggerimenti automatici ai consulenti della società.
Il gruppo Credem ha presentato l’evoluzione del proprio modello di servizio dedicato alla clientela private e upper affluent, ovvero i risparmiatori che dispongono di patrimoni elevati. L’istituto bancario ha deciso di puntare sull’integrazione dell’intelligenza artificiale e su architetture tecnologiche scalabili, e lo ha fatto stringendo una collaborazione con Objectway, società specializzata nella fornitura di software per il settore della gestione patrimoniale. L’obiettivo dell’operazione è rafforzare la relazione tra il consulente e l’investitore, il che permette di liberare valore attraverso l’uso strategico dei dati.
**Paolo Magnani, vice direttore generale di Credem,** ha spiegato durante l’evento **OWIN26 di Sorrento** che il rapporto con il cliente non deve più basarsi sul singolo prodotto finanziario, ma sulla salute complessiva del suo portafoglio. Per questo motivo la banca ha sviluppato una piattaforma personalizzata che analizza ogni giorno le posizioni degli investitori e questo garantisce una visione d’insieme più precisa. Il sistema integra metriche avanzate e suggerimenti operativi che il professionista può utilizzare per migliorare la consapevolezza finanziaria del risparmiatore.
Qualità del portafoglio
Il modello operativo si basa su un sistema di controllo che valuta sistematicamente ogni investimento attraverso dodici indicatori specifici. I parametri spaziano dall’allocazione delle attività (asset allocation) al livello di rischio, fino ai criteri di sostenibilità, e restituiscono un punteggio da uno a cinque. Ogni notte il software rielabora le posizioni dei clienti e questo produce raccomandazioni concrete per il giorno successivo.
Il consulente trova così a disposizione una serie di proposte già strutturate che può decidere di applicare direttamente oppure di adattare in base alla conoscenza personale degli obiettivi del cliente. Questo approccio permette di superare la vecchia logica di vendita del prodotto e favorisce un lavoro incentrato sulla qualità complessiva del patrimonio, cosa che mette il professionista nella condizione di mantenere sempre il controllo della consulenza.
Il ruolo dell’ai
Alla base di questo cambiamento risiede la gestione del dato, che deve essere integrato e governato con attenzione, specialmente quando le informazioni sono frammentate tra più banche. **Nicola Pepè,** dirigente di Objectway, ha sottolineato che le fondamenta del sistema sono legate alla capacità di ripulire e normalizzare grandi volumi di informazioni. La tecnologia si sposta perciò verso un’architettura in cloud che permette di orchestrare i servizi in modo flessibile.
L’innovazione coinvolge anche le interfacce con cui i consulenti Credem interagiscono con i sistemi informatici. La società sta lavorando su strumenti di intelligenza artificiale generativa che supportano il banker nella creazione dello storytelling, e questo lo aiuta a preparare i colloqui con i clienti in modo più efficace.
Il percorso futuro per Credem prevede l’adozione di modelli multi-agente, in cui diversi sistemi intelligenti collaborano tra loro per raccogliere insight e trasformarli in indicazioni pronte all’uso, con l’intenzione di ridurre i compiti manuali e permettere ai gestori di concentrarsi esclusivamente sulla relazione umana.
*L’articolo è disponibile anche sul sito di Finanza Digitale [cliccando qui.](https://www.finanzadigitale.com/news/credem-ai-objectway/)*
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### [Operational efficiency and resilience: balancing scale, complexity, and transformation in wealth management](https://objectway.com/operational-efficiency-and-resilience-balancing-scale-complexity-and-transformation-in-wealth-management/)
**Published:** June 5, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Exploring how firms can scale efficiently while building resilience in a rapidly evolving market.
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# Operational efficiency and resilience: balancing scale, complexity, and transformation in wealth management
5th June 2026 – Exploring how firms can scale efficiently while building resilience in a rapidly evolving market.
At Objectway’s recent OWIN26 customer conference, The Wealth Mosaic’s founder Stephen Wall hosted a panel that brought together professionals from across the industry to examine a central tension facing managers of wealth organisations today – how to deliver both operational efficiency and organisational resilience in an environment defined by rising complexity, cost pressure, and accelerating technological change, as organisations seek to scale.
“There’s a tension between operational efficiency and resilience,” said conference chair **Leda Glyptis** as she introduced the panel. “They sometimes feel at odds, but we don’t get to choose one or the other – we have to do both at the same time.”
Exploring that theme, Wall chaired a panel including Standard Bank Group’s head of offshore investments **Charles Harper**, **Nicola Morrison**, operations director at Isle of Man investment services firm Ramsey Crookall, PwC partner **Mauro Panebianco**, and **Alberto Cuccu**, COO International at Objectway.
Among the practical insights for wealth firms seeking scale and transformation:
- **Start with the foundations:** integrated systems and clean data are non-negotiable prerequisites for scale.
- **Think in terms of operating models, not systems:** wealth management technology must align with how a wealth management business actually runs.
- **Leverage partners strategically:** ecosystems are essential for speed and capability.
- **Balance standardisation with differentiation:** adopt fast, customise where it matters.
- **Commit to execution:** transformation requires sustained focus and organisational alignment.
Scaling the operating model
Wall opened the discussion by situating it within the broader context of transformation across the industry – highlighting “scalability, processes, technology, and infrastructure” as the underlying opportunities that can drive change in wealth management operations.
Critical to the transformation of any wealth management business is scalable technology. Harper described how Standard Bank is expanding beyond its traditional high-net-worth (HNW) focus into Africa’s growing mass-affluent segment – a shift that requires a fundamentally different operating model. As the bank seeks to grow from around 3,500 to between 50,000 and 60,000 clients, “We need a system that will allow us that scalability,” he said, as well as one that will allow the bank to launch new products quickly and cost-effectively.
Scalability is not just about adding new tools or “incrementally changing a legacy system”, Harper added. It’s also about rethinking the entire operating model, and how different service models can coexist.
Morrison reinforced this point from Ramsey Crookall’s perspective as a boutique, but globally distributed investment firm navigating growth and operational pressure. She said her firm’s journey highlighted the importance of building foundational infrastructure before pursuing expansion. Initially operating with a single system across its front and back office, Morrison said Ramsey Crookall encountered scaling constraints. As the business expanded, inefficiencies in the back office led to increasing administrative burden and increasing headcount to deal with it.
The turning point came with a shift towards a more modular, integrated infrastructure. By implementing a client portal, CRM tools, and streamlined processes, the firm achieved significant gains – including onboarding that was three times quicker than before. Those efficiencies enabled strategic reinvestment, allowing the firm to invest in more business development professionals who directly supported growth.
Morrison said the use of data and digital engagement were also transforming the way firms interacted with their clients, including by offering round-the-clock access to portfolios through client portals. She noted that enabling third-party advisers to place trades and build models can enhance a firm’s capabilities beyond its internal teams – improving efficiency and client relationships, as well as supporting resilience.
A theme of the panel was the broader shift in wealth management away from purely in-house solutions and toward ecosystem-based models where external partners contribute specialised expertise. “Collaborating with Objectway, which understands our business and has done for a decade, has been a huge success factor – because we’ve involved them so much in our operations area. It’s important that we keep evolving with them,” Morrison said.
Speaking from Objectway’s perspective, Cuccu argued that, as no two organisations are alike, the solutions they engage must be tailored accordingly. He said Objectway approached this through what he called “solution design” – first understand the client’s target operating model, then design solutions to match that objective.
“We have to meet our customers where they are,” he said. “We must understand their business and their objectives, design the solution, and use our incremental and composable approach to progressing that evolution, and then continue this evolution over time – which means new products, new services, new jurisdictions.” Although the underlying trends such as digitalisation and efficiency are consistent, their application varies depending on scale and complexity.
The wider context for wealth management transformation is the shifting competitive landscape, Panebianco observed. The European wealth industry is under pressure from multiple forces – increased competition, regulatory complexity, and consolidation. These forces are driving firms toward more scalable and efficient structures, he said. He pointed to strategic responses already underway including simplification of organisational structures, selective outsourcing to convert fixed costs into variable costs, greater use of data and AI, and platform-based operating models.
On AI specifically, which he called “an enabler, a facilitator, and a turbo, that we need to accept because it will change the way we do business,” he predicted that those who did not come around to the widespread adoption of AI tools would eventually find themselves outside of the industry.
A further issue raised during the discussion was how to balance standardisation with customisation. Cuccu said the sequencing of transformation was crucial – that firms must first establish a solid foundation through standardised capabilities before focusing on the customisations that allow them to differentiate. “It’s important to first adopt the core capabilities, rather than focusing on the final stage and missing the foundation that can support it.”
That makes it important to accelerate adoption, using configurable platforms to quickly achieve baseline functionality, while reserving time and resources for strategic differentiation. “We want to speed up the adoption, and then differentiate – if you spend years building something that works, when are you going to differentiate?” This approach allows firms to accelerate their time-to-market while still maintaining flexibility in client experience, product innovation, and service models. It also aligns with industry trends towards platform-based architectures, where standardised cores support configurable front-end differentiation.
Particularly in the European context, scale is both a necessity and a challenge, Panebiacno said. He contrasted Europe’s relatively limited investment capacity with the enormous technological spending seen in the United States and China. Europe has strengths of its own, he argued, including invention and flexibility – but there also needs to be consolidation. “Firms need to invest more, consolidate more,” he said, allowing firms to combine their resources to achieve the scale needed for meaningful and globally competitive investment and innovation.
For organisations navigating these changes, trust and communication in their partnerships is essential, Harper said, noting that Standard Bank had “gone through a few iterations” of finding the right counterpart. “Understanding and finding a partner that understands your requirements, understands your business, understands how you want to service your clients, is really important.”
“The stakes are high,” Glyptis said as she summed up the panel. “The good news is that there are partners to share the journey. You don’t need to be an expert in everything – but you do need experts to hold your hand as you go on this journey.”
*[Click here](https://www.thewealthmosaic.com/vendors/objectway/twm-articles/operational-efficiency-and-resilience-balancing-sc/) to read the article on The Wealth Mosaic website.*
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### [Intelligenza artificiale e wealth management: la sfida è trasformare l'innovazione in valore](https://objectway.com/intelligenza-artificiale-wealth-management-trasformare-innovazione-valore/)
**Published:** July 3, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Nel wealth management, il valore dell'intelligenza artificiale dipende da dati affidabili, governance efficace e processi capaci di generare risultati concreti.
**Content:**
[](/news/)
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# Intelligenza artificiale e wealth management: la sfida è trasformare l’innovazione in valore
3 Luglio 2026 – L’industria del wealth e asset management è attraversata da una tensione strutturale tra standardizzazione e personalizzazione, in un contesto di crescente complessità operativa. Cattaneo (Bnp Paribas): “L’intelligenza artificiale è un abilitatore di scalabilità, ma deve essere supportata da infrastrutture solide”
- Cattaneo (Bnp Paribas): “La sfida non è solo personalizzare i servizi per la distribuzione o per il cliente finale, ma anche accelerare il time to market attraverso l’utilizzo di soluzioni che incorporano l’Ai”
- Secondo Gianbattista Geroldi di Objectway, l’integrazione dell’Ai dovrebbe essere affrontata come parte di un percorso evolutivo strutturato
L’industria del wealth e asset management si trova di fronte a due direttrici apparentemente divergenti. Da un lato, una **necessità di standardizzazione e sicurezza.** Dall’altro, una crescente **domanda di soluzioni personalizzate.** È quello che **Gianbattista Geroldi,** ceo Italia di Objectway, definisce un vero e proprio “paradosso dell’efficienza operativa”: l’aumento dei volumi, l’espansione delle basi clienti e la crescente articolazione dell’offerta rendono sempre più difficile sostenere la crescita senza un ripensamento delle infrastrutture. È in questo contesto che si inserisce l’esperienza di Bnp Paribas – Securities Services, raccontata da **Andrea Cattaneo,** head of Italy, Switzerland & Iberia intercettato da The Signal.
Dall’internalizzazione all’esternalizzazione
“Fino al decennio scorso, per una banca come la nostra, il making era il leitmotiv”, ricorda Cattaneo. “Negli ultimi anni abbiamo evoluto l’approccio, andando alla ricerca di partner che fossero in grado di essere più agili in merito alle tematiche tecnologiche e specialmente sullo sviluppo e l’integrazione dell’intelligenza artificiale – per affrontare un mercato in continua e rapida trasformazione”. Da qui il rafforzamento della **partnership con Objectway**, avviata oltre 10 anni fa e progressivamente estesa: la piattaforma realizzata ha abilitato un’espansione del business istituzionale lungo due direttrici: da un lato, l’aumento dei volumi; dall’altro, l’ampliamento delle soluzioni per i clienti, in particolare nel segmento della distribuzione retail.
“Oggi la sfida non è solo personalizzare i servizi per la distribuzione o per il cliente finale, ma anche **accelerare la messa a terra delle evoluzioni e garantirne la scalabilità,** che ha implicazioni dirette anche sul piano economico”, osserva Cattaneo. In questo contesto, **l’intelligenza artificiale,** applicata ai modelli esistenti, può diventare un abilitatore. “Da un lato velocizza i processi e ne aumenta la flessibilità, dall’altro consente di mantenere il livello di personalizzazione richiesto dalla clientela. Ma deve poggiarsi su basi molto solide”, spiega l’esperto. Secondo Geroldi, l’integrazione dell’Ai dovrebbe essere affrontata come parte di un percorso evolutivo strutturato. “In questa prospettiva, il passaggio è verso **l’utilizzo di agenti di intelligenza artificiale, capaci di operare in modo autonomo”**, afferma l’esperto. “Ma ciò è sostenibile solo se si poggia su **fondamenta operative solide e scalabili:** piattaforme end-to-end in grado di coprire l’intera catena del valore dei servizi sui fondi, dai servizi di banca depositaria all’amministrazione e al transfer agent. Modelli operativi e servizi adattabili ai diversi contesti e mercati diventano quindi elementi chiave per accompagnare la crescita e permettere, in modo concreto, l’adozione di soluzioni basate sull’Ai”.
L’evoluzione del modello di servizio
Guardando all’evoluzione del modello di servizio, Cattaneo sottolinea infine come l’obiettivo non sia più soltanto l’efficienza dell’asset servicing tradizionale, ma la **costruzione di un’infrastruttura in grado di evolvere nuovi segmenti di crescita,** con particolare riferimento al risparmio gestito. In questa direzione si inserisce anche il tema delle **gestioni patrimoniali,** indicate come uno dei prossimi fronti di sviluppo più rilevanti in Italia. “C’è un tema di progressivo adeguamento del modello delle gestioni patrimoniali locali rispetto a quanto osservato in altri mercati più maturi, come gli Stati Uniti, dove i modelli di advisory evoluta sono già ampiamente sviluppati e consolidati. Si tratta di **un approccio che va oltre il puro risparmio gestito tradizionale** focalizzato sulla distribuzione di soluzioni di investimento ma integra – per una determinata fascia di clientela private e ultra wealth – **soluzioni più trasversali** che includono prodotti di private market, assicurativi, risparmio previdenziale e amministrato, consentendo il vero salto di qualità dal punto di vista strategico”.
Oggi la sfida non è solo personalizzare i servizi per la distribuzione o per il cliente finale, ma anche accelerare la messa a terra delle evoluzioni e garantirne la scalabilità, che ha implicazioni dirette anche sul piano economico.
[](https://www.linkedin.com/in/andrea-cattaneo-9b75b829/)### Andrea Cattaneo
Head of Italy, Switzerland & Iberia Securities Services, BNP Paribas
*L’articolo è disponibile anche sul sito di The Signal [cliccando qui](https://www.thesignalmedia.com/cattaneo-bnp-paribas-intelligenza-artificiale/)*.
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### [OWIN26: scalabilità, vera sfida per il wealth management](https://objectway.com/owin26-scalabilita-vera-sfida-per-il-wealth-management/)
**Published:** June 19, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Scalare l’innovazione senza aumentare la complessità. È questa la vera linea di demarcazione emersa da OWIN26 – Innovation Built to Scale.
**Content:**
[](/news/)
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# OWIN26: scalabilità, vera sfida per il wealth management
19 Giugno 2026 – Onboarding, AI e outsourcing strategico al centro della trasformazione: solo i player che costruiscono basi solide riescono a scalare in modo profittevole.
Scalare l’innovazione senza aumentare la complessità. È questa la vera linea di demarcazione emersa da OWIN26 – Innovation Built to Scale, l’evento organizzato da Objectway, che ha riunito a Sorrento operatori del wealth e asset management per riflettere su come trasformare la spinta all’innovazione in crescita scalabile.
Ad aprire i lavori è stato **Luigi Marciano**, founder e ceo del gruppo, che ha messo subito a fuoco il nodo centrale: non basta più innovare, né crescere. Le istituzioni finanziarie devono imparare a fare entrambe le cose in modo scalabile, evitando che l’aumento delle iniziative si traduca in un incremento della complessità operativa. In un contesto in cui tecnologia, dati, cloud e intelligenza artificiale stanno creando opportunità senza precedenti, il vero vantaggio competitivo si gioca sulla capacità di crescere più velocemente e in modo profittevole mantenendo il controllo dei processi.
Da qui l’evoluzione del modello proposto dal gruppo, che passa dall’“Innovation Diamond” al nuovo paradigma dell’“Innovation Ecosystem”: un sistema in cui tecnologia, partner, piattaforme e iniziative di business lavorano in modo integrato. Non più innovazione per silos, dunque, ma un approccio orchestrato, capace di trasformare la complessità in leva strategica. Una visione resa concreta anche attraverso la metafora di Sorrento e del suo ecosistema legato alla coltivazione dei limoni, dove il successo nasce da relazioni strutturate, fondamenta solide e capacità interconnesse, più che da iniziative isolate.
Questa impostazione trova riscontro nei dati della **ricerca “Built to scale” di FT Longitude**, presentata da **Hannah Freegard**, deputy editorial director, che ha analizzato il tema della scalabilità su un campione di 300 decisori senior tra banche, wealth manager e asset manager in Europa e Canada. “Nel mercato si parla molto della necessità di scalare l’innovazione, ma capire cosa significhi concretamente nella pratica è tutt’altra cosa”, ha spiegato.
La ricerca introduce un vero e proprio “indice di scalabilità”, costruito su due dimensioni chiave: la capacità di scalare il front office – quindi servizi al cliente e onboarding – e quella di scalare operazioni e processi core. “Se si ha uno ma non l’altro, è lì che tutto comincia a crollare”, ha sottolineato Freegard.
Da questa analisi emergono due gruppi distinti: i “leader della scalabilità”, cioè le organizzazioni che riescono a innovare su larga scala in modo redditizio, e i “follower”, che invece restano indietro. Una dicotomia che non è solo teorica, ma si traduce in risultati concreti. “I leader hanno molte più probabilità di generare ritorni tangibili dagli investimenti in tecnologia e innovazione”, ha evidenziato, sottolineando come il divario più ampio si registri nella “client experience” e nella qualità del servizio.
Il tema diventa ancora più rilevante guardando alla redditività. “I leader hanno molte più probabilità di registrare aumenti di redditività superiori al 15% sia nel front office sia nelle operazioni core”, ha spiegato Freegard, descrivendo un vero e proprio circolo virtuoso: basi solide permettono di scalare, e la scalabilità alimenta a sua volta la crescita dei profitti.
Alla base di questo vantaggio c’è soprattutto l’automazione. I leader risultano molto più avanzati nelle capacità di automatizzare processi chiave, dall’onboarding all’antiriciclaggio fino al coinvolgimento digitale del cliente. “Una volta che si dispone della piattaforma giusta e della capacità di automatizzare i processi, tutto il resto diventa molto più semplice”, ha osservato.
Non a caso, proprio l’onboarding emerge come il principale collo di bottiglia per la scalabilità. È lì che il percorso verso la scalabilità si blocca, ha commentato Freegard, evidenziando come le organizzazioni meno avanzate soffrano costi più elevati, tassi di conversione più bassi e un’esperienza cliente inferiore. Al contrario, chi ha investito nelle fondamenta riesce a scalare senza aumentare i costi operativi.
Un altro elemento distintivo è l’approccio all’esternalizzazione. “I leader non esternalizzano indiscriminatamente, ma in modo molto più strategico”, ha spiegato, sottolineando come la collaborazione con partner esterni diventi un acceleratore di crescita solo quando è guidata da una chiara distinzione tra attività core e non core.
Infine, il ruolo dell’intelligenza artificiale. Anche qui, la differenza tra leader e follower è netta. “L’AI contribuisce ad amplificare la scalabilità solo quando sono presenti le giuste fondamenta”, ha affermato Freegard. Senza una base solida di dati, processi e controllo, il rischio è che l’AI resti un intervento superficiale, incapace di generare valore reale.
La lezione che emerge dalla ricerca è chiara e si allinea con il messaggio lanciato da OWIN26: la scalabilità non è il risultato di una singola iniziativa, ma di una sequenza precisa. “Prima si costruiscono le basi, poi si utilizza l’esternalizzazione come acceleratore e infine l’intelligenza artificiale come amplificatore”, ha concluso Freegard. Solo così è possibile creare le condizioni per una crescita sostenibile, resiliente e realmente profittevole.
*L’articolo è disponibile anche sul sito di Advisor [cliccando qui](https://advisoronline.it/asset-manager/gestori-e-mercati-finanziari/owin-26-scalabilita-vera-sfida-per-il-wealth-management)*.
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4 September 2026
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### [OWIN26. CA Italia: la sfida della Next Gen si vince con un ecosistema integrato](https://objectway.com/owin26-ca-italia-la-sfida-della-next-gen-si-vince-con-un-ecosistema-integrato/)
**Published:** May 14, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** La collaborazione nata 20 anni fa con Amundi Sgr, oggi si estende anche al Gruppo CA ed ha l'obiettivo di conquistare la Next Gen nel wealth management.
**Content:**
[](/news/)
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# OWIN26. CA Italia: la sfida della Next Gen si vince con un ecosistema integrato
15 Maggio 2026 – Tutto prende il via da una collaborazione avviata oltre vent’anni fa con Amundi Sgr, che oggi si estende alle diverse anime del Gruppo Crédit Agricole, con un obiettivo chiaro: conquistare la Next Generation nel wealth management. È questo uno dei temi emersi nel corso di OWIN26, l’evento organizzato da Objectway a Sorrento, che ha visto salire sul palco Simona Feudatari, COO di Indosuez Wealth Management Italia.
Al centro della presentazione, il progetto che coinvolge diverse realtà del gruppo, tra cui Amundi Sgr, CACEIS Bank e Indosuez Wealth Management Italia, con l’obiettivo di costruire un ecosistema integrato capace di rispondere alle nuove esigenze della clientela.
Approccio “solution-as-a-service”
Come spiega **Gianbattista Geroldi, CEO Italy di Objectway**, il progetto con il Gruppo Crédit Agricole Italia rappresenta un passaggio chiave anche per il posizionamento di Objectway.
«I grandi gruppi finanziari stanno evolvendo verso modelli più articolati, caratterizzati da identità e servizi differenti all’interno dello stesso ecosistema – precisa Geroldi. In questo contesto, cambia anche il ruolo del partner tecnologico, che non si limita più a fornire una piattaforma per le singole entità, ma diventa un partner strategico in grado di supportare, con un approccio integrato, le diverse realtà di uno stesso gruppo. Le soluzioni vengono concepite e offerte come servizi all’interno di un modello “as-a-service” che consente una gestione coerente lungo l’intera catena del valore. Questo approccio permette di rispondere in modo flessibile alle esigenze di clienti, normative e modelli operativi diversi, riducendo le duplicazioni, favorendo le sinergie e abilitando la scalabilità senza compromettere il livello di personalizzazione».
Partner per il gruppo
Il percorso con Crédit Agricole è iniziato anni fa e ha visto progressivamente l’integrazione delle diverse entità del gruppo.
L’ultimo tassello è rappresentato proprio da Indosuez Wealth Management in Italia, con il completamento della piattaforma bancaria su componenti chiave come fiscalità, reporting regolamentare e integrazione con l’asset management.
«Il progetto, concluso lo scorso anno, segna il passaggio a un modello in cui la piattaforma è erogata in modalità BPaaS (Business Process as a Service), ed evolve progressivamente con l’aggiunta di servizi a valore – precisa Geroldi. La partnership, avviata oltre 20 anni fa con Amundi Sgr, si è progressivamente ampliata, fino a includere più ambiti operativi, abilitando anche la connessione tra product factory, wealth management e servizi di custodia».
La sfida della Next Generation
Al di là dell’infrastruttura, il tema centrale resta la relazione con il cliente. La tecnologia non è più un elemento accessorio, ma parte integrante dell’esperienza bancaria, soprattutto per le nuove generazioni.
Anche perché il passaggio generazionale non riguarda solo gli asset, ma porta a un cambiamento profondo nei modelli di relazione: i clienti cercano trasparenza, interazione e strumenti digitali avanzati, senza rinunciare alla qualità dell’advisory.
È in questo ambito che emergono quindi le spinte trasformative più profonde. La nuova generazione di investitori presenta bisogni e aspettative radicalmente diversi rispetto al passato: maggiore richiesta di trasparenza, personalizzazione e integrazione digitale, ma anche una forte attenzione al significato delle scelte di investimento.
«La trasparenza e la fiducia sono elementi essenziali, soprattutto in un contesto in continua evoluzione e aperto alle sfide dell’innovazione – ha dichiarato durante il suo intervento **Simona Feudatari, COO di Indosuez Wealth Management Italia**. La nuova generazione di clienti richiede un approccio al wealth management fondato su innovazione, trasparenza e personalizzazione. Indosuez risponde a questa sfida integrando soluzioni digitali avanzate, per offrire nuove opportunità di investimento e diversificazione. L’ecosistema digitale e internazionale che mettiamo a disposizione stimola la collaborazione tra clienti, esperti e startup, favorendo la crescita di una community globale. Attraverso formazione continua, esperienze digitali e supporto multidisciplinare, accompagniamo la next generation nella valorizzazione del patrimonio. Innovare per noi significa creare valore sostenibile, rispondendo concretamente alle aspirazioni delle nuove generazioni».
«I giovani sono cittadini del mondo: le nuove generazioni desiderano attribuire un significato concreto alle proprie scelte, orientandosi verso investimenti responsabili – ha aggiunto **Caroline Bouchy Dubini, Vice Direttore di Indosuez Wealth Management Italia.** È importante ribadire che trasparenza significa fiducia, e la Next Gen riconosce in questo valore un elemento centrale nella relazione con la banca».
Il progetto, concluso lo scorso anno, segna il passaggio a un modello in cui la piattaforma è erogata in modalità BPaaS (Business Process as a Service), ed evolve progressivamente con l’aggiunta di servizi a valore. La partnership, avviata oltre 20 anni fa con Amundi Sgr, si è progressivamente ampliata, fino a includere più ambiti operativi, abilitando anche la connessione tra product factory, wealth management e servizi di custodia.
[](https://www.linkedin.com/in/gianbattista-geroldi-070a322a/)### Gianbattista Geroldi
CEO Italia, Objectway
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### [AI widens gap between scalable and struggling wealth firms, study shows](https://objectway.com/ai-driving-scalability-in-wealth-management-firms/)
**Published:** July 1, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** AI is widening the gap in wealth management, rewarding firms with strong operational foundations, integrated data, and scalable processes.
**Content:**
[](/news/)
View all News
# AI widens gap between scalable and struggling wealth firms, study shows
1st July 2026 – The market is entering a new phase where innovation alone is no longer a differentiator, and AI in particular risks widening operational gaps across banking, wealth and asset management. Weak foundations, poor execution and lack of strategic sourcing models are the structural barriers preventing institutions from translating technology investment into scalable, profitable growth.
The next competitive divide in banking, wealth and asset management will not be defined by innovation alone, but by firms’ ability to scale it profitably. That is the central finding of new research that Objectway, a global wealthTech partner for banking, wealth and asset management firms, conducted in collaboration with FT Longitude, a specialist provider of thought leadership and research services.
The report, *[Built to Scale](https://objectway.com/download-analyst-research-ft-longitude-built-to-scale-innovation-is-no-longer-a-scarce-resource/)*, is based on a survey of 300 senior professionals across banks, wealth and asset managers in the UK, continental Europe and Canada.
Altough digital transformation and AI adoption are advancing rapidly across the industry, many firms are struggling to translate investment into repeatable, profitable growth. The findings point to a market entering a new phase of competition, where **scalable execution** is becoming **more important than innovation capacity alone.**
Reflecting on this shift, **Luigi Marciano, Founder and Group CEO of Objectway,** commented: “For years, the industry has focused on innovation. However, our research suggests that the next competitive divide will be determined by execution. The firms achieving the strongest results are not necessarily investing more; rather, they are investing in the right sequence: strengthening operational foundations first, externalising complexity selectively and embedding AI into coherent workflows rather than layering it onto fragmented systems.”
To assess what differentiates firms that successfully translate investments into profitable growth, Objectway developed the **Objectway Scalability Index,** a composite framework that measures an organisation’s ability to scale profitably across two critical dimensions: client services and onboarding capabilities, and core business operations and processes.
The Index reveals a clear **correlation between scalability maturity and financial performance.** Among firms classified as Leaders, 18% report profitability growth above 15% in client services and onboarding, compared with just 4% of Followers. Likewise, 20% of Leaders achieve profitability increases above 15% in core business operations and processes, versus 9% of Followers.
The research suggests that competitive advantage is increasingly determined not by the scale of investment itself, but by an organisation’s ability to translate investment into repeatable operational and client outcomes. The impact is already visible. Leaders are more than twice as likely as Followers to report improvements in client experience (75% vs 34%) and achieve substantially better outcomes in operational productivity (82% vs 50%) and speed of execution (82% vs 56%).
However, many firms continue to face structural barriers that limit their ability to do so. Fragmented infrastructures, poor interoperability and inconsistent data remain significant obstacles to transformation, with integration issues across systems identified as the most commonly cited barrier to scalable growth, ahead of budget constraints or skills shortages.
These weaknesses are becoming even more consequential as firms accelerate AI deployment across front-office and back-office activities. The research showed that Leaders have already completed more of the enabling work: 53% prioritise improving data quality and operational AI, compared with 33% of Followers. By contrast, Followers remain more focused on addressing immediate operational pressures, with 42% prioritising the reduction of manual effort and errors, compared with just 19% of Leaders, while also relying more heavily on externalisation as a short-term relief mechanism.
As a result, firms with weak operational foundations are therefore finding it significantly harder to scale AI effectively. This indicates that AI is becoming less a shortcut around operational complexity and more a stress test of firms’ underlying operating models. Organisations with stronger data governance, connected workflows and more mature infrastructures are significantly better positioned to embed AI into business processes and deliver measurable outcomes.
Importantly, the research finds that firms with extensive adoption of as-a-service models report double-digit profitability growth regardless of firm size, suggesting that externalisation is evolving from a cost-efficiency tactic into a strategic lever for long-term growth.
The findings suggested a change in how financial institutions approach transformation, moving from selecting technology to orchestrating capabilities across an increasingly complex ecosystem. On this point, Marciano observed: “Conversations with clients have shifted from deliberating on technology adoption to focusing on the desired business outcomes and the most effective strategies to achieve them. The key question is what enables these outcomes. Here, clarity is key to effective orchestration of investment programmes across their ecosystem. It is important to determine whether they deliver at scale or simply add complexity.”
Key Takeaways
- Leaders are significantly more likely to report profitability increases above 15%, demonstrating a **direct link between scalability and financial performance.**
- **Integration issues** across systems are identified as the single **biggest barrier** to scalable growth.
- Externalisation and **as-a-service models** are a primary **lever of profitable scale**, regardless of firm’s size.
- Competitive advantage will not come from where **AI** is deployed, but from how it is embedded and **translated into business outcomes.**
- The strategy is the **sequence:** foundations first, externalisation as accelerator, AI as amplifier.
*[Click here](https://ibsintelligence.com/ibsi-news/ai-widens-gap-between-scalable-and-struggling-wealth-firms-study-shows/) to read the article on IBS Intelligence website.*
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4 September 2026
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### [„Ausführung auslagern, Verantwortung behalten“](https://objectway.com/ausfuehrung-auslagern-verantwortung-behalten-banken-outsourcing-regulierung/)
**Published:** May 29, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Banken lagern Prozesse aus, bleiben jedoch regulatorisch verantwortlich. Wie Institute Outsourcing effizient und compliant gestalten.
**Content:**
[](/news/)
View all News
# „Ausführung auslagern, Verantwortung behalten“
29\. Mai 2026 – Die Frage „Bank oder Fintech“ ist überholt. Heute gelte: „Bank und Fintech“, so Objectway-Manager Karl im Brahm im Interview der Börsen-Zeitung. Offen sei lediglich, wie tief ein Fintech in die Bankensysteme integriert ist.
**BZ:** Herr im Brahm, es ist noch nicht lange her, da hieß es: Dienstleistung durch traditionelle Bank oder Fintech. Das scheint sich gewandelt zu haben. Heute heißt es eher: Dienstleistung durch traditionelle Bank und Fintech. Täuscht mein Eindruck?
Nein, absolut nicht. Wir haben uns klar von einem „Bank oder Fintech“-Modell hin zu einem „Bank und Fintech“-Ökosystem bewegt. Banken bleiben der vertrauenswürdige Kern, während Fintechs Geschwindigkeit, Innovation und Spezialisierung einbringen. Das erfolgreiche Modell von heute ist Orchestrierung, nicht Eigentum.
**BZ:** Welche Aufgaben bzw. Dienstleistungen sind besonders zum Outsourcing von Banken an Fintechs geeignet? Welche Aufgaben sollte eine Bank umgekehrt keinesfalls anderen überlassen?
Banken sollten nicht-differenzierende Fähigkeiten wie operative Abläufe, standardisierte Prozesse und technologische Komponenten auslagern. Was sie unbedingt behalten müssen, sind Kundenbeziehungen, Risikoverantwortung und die strategische Kontrolle der Plattform. Das Prinzip ist einfach: die Ausführung auslagern, die Verantwortung behalten.
**BZ:** Wie läuft ein typisches Outsourcing-Szenario ab?
Outsourcing bedeutet heute nicht mehr, einen einzelnen Anbieter auszuwählen. Es geht darum, ein modulares Ökosystem aufzubauen. Banken definieren eine Zielarchitektur, wählen mehrere spezialisierte Partner aus und integrieren diese über einen Plattformansatz. Das Ziel ist nicht die beste Einzellösung, sondern die beste integrierte Lösung.
**BZ:** Haben Sie eine belastbare Zahl parat, wie hoch der Prozentsatz von Banken/Finanzdienstleistern in Europa bzw. in der DACH-Region – also Deutschland, Österreich und Schweiz – ist, die Outsourcing-Lösungen über Fintechs nutzen?
Es gibt keine exakte Zahl, aber die Richtung ist klar: Die Mehrheit der europäischen Banken nutzt bereits Fintech-Komponenten, wobei die DACH-Region leicht hinterherhinkt, aber schnell aufholt. Die Frage lautet nicht mehr ob, sondern wie tief Fintech integriert ist.
**BZ:** Wenn sich Banken fürs Outsourcing entscheiden – wer ist dann auf Vorstands- bzw. Geschäftsführerebene in der Regel dafür zuständig? Der CIO, der CTO oder der COO?
Es handelt sich nicht mehr um eine einzelne Rolle. Entscheidungen werden zunehmend funktionsübergreifend getroffen und beziehen CIO, COO sowie die Geschäftsleitung ein. Der wichtigste Treiber ist heute die geschäftliche Wirkung, nicht allein die Technologie.
**BZ:** Trotz der seit Jahrzehnten ablaufenden Konsolidierung gilt der Bankensektor in Europa immer noch als stark fragmentiert. M&A-Transaktionen wird es also auch in Zukunft noch geben. Partizipiert Objectway an diesem Trend zu Zusammenschlüssen? Falls ja – wie?
Wir spielen eine zentrale Rolle als Plattform-Enabler. Wir bieten Lösungen, die Komplexität absorbieren, wiederholbare Integrationen ermöglichen und M&A in einen skalierbaren Wachstumsmotor verwandeln. Konsolidierung bedeutet nicht nur Integration, sondern unsere Kunden dabei zu unterstützen, zu wachsen, ohne zusätzliche Komplexität aufzubauen.
**BZ:** Einer der Kunden von Objectway ist ABN Amro. Die niederländische Bank, die selbst aus einer Fusion hervorgegangen ist, hat in den vergangenen Jahrzehnten viele kleinere Banken übernommen. Welche Rolle spielt Objectway bei solchen M&A-Transaktionen? Wie unterstützen Sie ABN Amro konkret bei der Integration einer übernommenen Institution?
Bei der Beteiligung von Objectway an M&A geht es nicht einfach nur um Systemmigrationen, sondern darum, mithilfe eines Plattform-Blueprints eine strukturelle Neugestaltung zu ermöglichen. Im Fall von ABN Amro haben wir beispielsweise den Integrationsprozess unterstützt, indem wir den Kern auf einer einzigen Plattform standardisiert haben. Dazu gehörte die Angleichung der Geschäftslogik über Produkte, Prozesse und Daten hinweg sowie die Einbettung konsistenter Governance-Strukturen, um Kontrolle und Compliance sicherzustellen.
**BZ:** Dann bringt ein solcher Angleichungsprozess auch etwas mit Blick auf künftige Übernahmen?
Ja, denn dadurch entstand ein wiederholbares Integrationsmodell. Integration und Datenharmonisierung, die auf API (Application Programming Interface, also eine Anwendungsprogrammierschnittstelle; die Red.) basierte, ermöglichten eine kontrollierte Umsetzung ohne regulatorische Unterbrechungen, während Einheiten in operative Hubs migriert wurden, die lokale Stärken bewahrten. Gleichzeitig wurde eine zukunftsfähige Plattform geschaffen, so dass jede neue Akquisition schneller, vorhersehbarer und in größerem Maßstab integriert werden kann.
**BZ:** Inwieweit spielen Größe und operative Kapazitäten einerseits der Bank und andererseits des Fintechs eine Rolle bei der Zusammenarbeit?
Größe ist weniger wichtig als früher. Entscheidend sind vielmehr Plattformreife, Integrationsfähigkeit und strategische Klarheit. Der Unterschied liegt in der Fähigkeit, über Ökosysteme zu skalieren.
**BZ:** Gehören die Kunden von Objectway einem bestimmten Größen-Cluster an?
Nein – Objectway konzentriert sich nicht auf ein einzelnes Größencluster. Zu unseren Kunden zählen Banken sowie Wealth und Asset Manager unterschiedlichster Größen – von mittelständischen Unternehmen bis hin zu großen internationalen Gruppen, über mehrere Regionen hinweg.
**BZ:** Künstliche Intelligenz (KI) soll in Banken für neues Geschäft sorgen und die Kundenbindung stärken. Wie kann das funktionieren? Welche Einsatzmöglichkeiten sehen Sie für generative KI in der Finanzwelt?
KI schafft Wert, wenn sie sich von Erkenntnissen zu Handlungen weiterentwickelt. Wir sehen starke Anwendungsfälle bei Next-Best-Action, also die softwaregestützte Empfehlung des jeweils nächsten sinnvollen Schritts in der Kundenansprache, automatisiertem Portfoliomanagement, Onboarding – das heißt die digitale Aufnahme und Einrichtung neuer Kunden – und Kundeninteraktion. Der Wandel geht von der Automatisierung einzelner Aufgaben hin zur Automatisierung der Ausführung.
**BZ:** Der Hype rund um KI zeigt inzwischen erste Risse. Wurden die Chancen von KI überschätzt oder die damit verbundenen Probleme und Risiken unterschätzt? Wie ist Ihre Sichtweise – insbesondere mit Blick auf Banken und andere Finanzdienstleister?
Ein großer Teil der Debatte rund um KI konzentrierte sich auf die Geschwindigkeit der Einführung und die Intensität der Investitionen. Die Erfahrungen zeigen jedoch, dass der Umfang von KI weniger von Begeisterung abhängt als von der Bereitschaft – also von Faktoren wie Datenqualität und Workflow-Integration. Wo diese Faktoren schwach sind, bleibt KI in der Pilotphase stecken und Risiken nehmen zu; wo sie stark sind, wird KI zu einem Verstärker von Fähigkeiten statt zu einer disruptiven Kraft.
**BZ:** Insbesondere Privatbanken, die sich lange Zeit oder immer noch im Besitz von Familien befinden, tun sich mit Outsourcing schwer. Erkennen Sie hier einen Wandel in der Einstellung zum Auslagern von Aufgaben? Wenn ja – welche Motivation steckt dahinter?
Ja, eindeutig. Kostendruck, regulatorische Komplexität und Herausforderungen bei der Skalierbarkeit treiben diesen Wandel voran. Selbst traditionell konservative Banken erkennen: Man kann heute nicht mehr allein skalieren.
**BZ:** Wird in der EU, in der DACH-Region und insbesondere Deutschland das Geschäft von Objectway durch staatliche Reglementierung behindert? Oder umgekehrt vielleicht sogar unbeabsichtigt gefördert, weil Banken zur Kooperation mit Fintechs quasi gezwungen werden? An welchen Stellen bzw. wodurch genau?
Beides – Behinderung einerseits, unbeabsichtigte Förderung andererseits – trifft zu. Regulierung treibt Standardisierung, Transparenz und Zusammenarbeit voran und beschleunigt damit den Wandel hin zu Plattformen und Ökosystemen.
**BZ:** Wie sieht es allgemein mit der Bereitschaft von Banken und anderen Finanzdienstleistern aus, in KI oder allgemein Software zu investieren? Das geopolitische und -ökonomische Umfeld ist zurzeit nicht gerade stabil. In solchen Phasen halten sich Unternehmen üblicherweise mit Investitionen zurück.
Budgets stehen unter Druck, aber die Prioritäten sind klar. Banken investieren in Effizienz, Skalierbarkeit und KI-getriebene Transformation. Die Investitionen gehen nicht zurück, sondern werden fokussierter und stärker am Return on Investment, also der Kapitalrentabilität, ausgerichtet.
**BZ:**Wie können Banken Effizienz, Flexibilität und Komplexität ins Gleichgewicht bringen?
Das ist die zentrale Herausforderung. Die Antwort liegt in einer Plattformstrategie kombiniert mit Ökosystem-Orchestrierung. Effizienz entsteht durch die Reduzierung von Komplexität – nicht durch das Hinzufügen weiterer Technologie.
Die Investitionen gehen nicht zurück, sondern werden fokussierter und stärker am Return on Investment, also der Kapitalrentabilität, ausgerichtet.
[](https://www.linkedin.com/in/karl-im-brahm/)### Karl im Brahm
CEO DACH Region, Objectway
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4 September 2026
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---
### [Tech's role in supporting Rathbones' ambition to be the best UK wealth manager](https://objectway.com/techs-role-in-supporting-rathbones-ambition-to-be-the-best-uk-wealth-manager/)
**Published:** June 2, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Rathbones has been vocal about its ambition to be the best wealth manager in the UK “by far” and is taking clear steps to achieve this.
**Content:**
[](/news/)
View all News
# Tech’s role in supporting Rathbones’ ambition to be the best UK wealth manager
2nd June 2026 – Rathbones has been vocal about its ambition to be the best wealth manager in the UK “by far” and is taking clear steps to achieve this.
Investing in client proposition and client experience is a key part of this. Simonetta Rigo, the chief client officer at Rathbones, is surprised this is not more widely accepted across the industry.
“No one really questions it in other industries,” she told thewealthnet at Objectway’s recent client conference.
Clients expect digital immediacy these days in all aspects of their lives and their banking and wealth management requirements are no different.
The wealth management industry has not always had a reputation for being particularly technology forward, but this should not impact how firms invest in these solutions.
Alberto Cuccu, the chief operating officer at Objectway, suggested the “bar for digital is set not by our industry but in people’s everyday applications,” meaning firms should not solely compare their digital solutions to those of other wealth firms.
Rathbones is keen to “scale like a platform, style like a brand”, to help achieve its objectives, Ms Rigo said.
The hope is doing this successfully will harness both the best of technology and its ability to support scale but also the personal touch that is so important to wealth managers.
Within the UK wealth management industry, competition is only increasing as more and more firms offer a greater range of services and look to onboard a similar client base.
This means firms are having to “work hard” to achieve their growth ambitions and to differentiate themselves from their peers. At the same time, Ms Rigo noted, regulators have “also raised the bar”, creating even greater need for these solutions.
In terms of undergoing a digital transformation, knowing where to start can be a challenge. For Rathbones, its combination with Investec Wealth and Investment UK proved a useful catalyst as there was substantial work needed to fully integrate the two businesses.
As a technology partner, Objectway was involved in this process, drawing on its experience of M&A projects across the industry. For example, the firm worked with UBS and Credit Suisse in Luxembourg during their merger, with Luxembourg becoming the first country to go live as a single platform following the merger.
“You learn from the experience,” Mr Cuccu acknowledged.
One key learning from this experience is that the migration strategy “needs to be set right from the beginning”, with Mr Cuccu stressing the need to focus on the impact a migration might have on clients.
Setting a strategy sounds like a simple task but, like most aspects of wealth management, it can prove harder due to balancing the needs of various stakeholders.
Speaking from her experience of combining Rathbones and Investec, Ms Rigo believes it is important to “find the path that is in sync with the rest of the business.”
Doing this can help win internal hearts and minds, which is “very important”, and get the wider employee base on side to support any changes that will come.
This is true of advisers and relationship managers too, as they have an important role to play when it comes to supporting clients through a transformation.
Advisers can “really shield clients” from any operational complexity that might arise in the short term, ensuring their experience remains smooth.
Interestingly, it is not just internal staff than can fear change. Ms Rigo noted clients also tend not to like change, even if it results in something better, because they get very used to functionality.
Understandably, they want to know “what’s in it for them”, and will adapt if they are taken on the journey with the firm.
Ms Rigo speaks from a position of strength here, noting that a year on from migrating to a single platform, Rathbones has “come a long way” and clients have largely adapted.
One thing is clear with any digital transformation project. You cannot approach it as “simply an IT project,” Mr Cuccu stressed. Rather, the client needs to remain at the centre of every decision.
He is adamant you “cannot have digital transformation without the customer view.”
Many firms believe they have already achieved this as client relationships are so key to any wealth manager. However, “client facing does not mean client centric,” Ms Rigo argued, suggesting some of the industry get this wrong.
Even firms that manage a transformation process successfully and for the genuine benefit of clients cannot afford to be complacent. The technology is continually evolving and the bar for what a client expects keeps rising.
At the same time, the client base and their needs are developing, leading to a continual process of learning and growing with their clients for successful firms.
“If you think you know your customer, think again,” Ms Rigo concluded.
## Related
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[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
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[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
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**Categories:** Article
**Tags:** #artificialintelligence, #efficiency, #financialservices, #operationalefficiency, #owin26, #regulation, #scalability, #wealth-management, #wealthmanagementtrends
---
### [OWIN26: as-a-service e AI per trasformare la complessità in efficienza](https://objectway.com/owin26-as-a-service-e-ai-per-trasformare-la-complessita-in-efficienza/)
**Published:** July 8, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** A OWIN26, modelli as-a-service e AI diventano leve strategiche per ridurre la complessità, aumentare la scalabilità e migliorare l’efficienza.
**Content:**
[](/news/)
View all News
# OWIN26: as-a-service e AI per trasformare la complessità in efficienza
8 Luglio 2026 – Nonostante investimenti IT in crescita, la maggior parte delle istituzioni finanziare fatica a trasformare la tecnologia in efficienza reale. Il vero nodo resta il modello operativo.
- Solo il 28% delle istituzioni finanziarie ha raggiunto una reale scalabilità lungo tutta la value chain
- L’as-a-service emerge come leva per ridurre la complessità e migliorare l’efficienza
- L’Agentic AI può trasformare fino al 70% dei processi
Nel settore finanziario la parola chiave è sempre più una: **complessità.** Non si tratta però di un fenomeno transitorio, ma di un vero e proprio cambio di paradigma che impone alle istituzioni un’evoluzione strutturale. Parte da questa riflessione l’intervento di **Manuel Pincetti** partner di **Monitor Deloitte,** che nella seconda giornata di **OWIN26** ([qui](https://objectway.com/owin26-scalabilita-vera-sfida-per-il-wealth-management/) l’articolo sulla prima giornata) ha presentato i risultati di una ricerca, condotta in collaborazione con Objectway, su **come trasformare la crescente complessità in un fattore abilitante per scalabilità ed efficienza.** Clienti sempre più digitali, regolamentazione crescente e mercati frammentati stanno ridefinendo le regole del gioco, mettendo sotto pressione modelli operativi che fino a pochi anni fa erano considerati solidi.
Oggi infatti oltre il **70%** degli investitori si aspetta **un’interazione digital-first** con il proprio intermediario, con un’esperienza fluida e integrata su tutti i canali. A questo si affianca una **regolamentazione sempre più pervasiva,** che non riguarda più soltanto i rischi finanziari ma si estende anche a quelli non finanziari, con un impatto diretto sui costi operativi. Infine, la **frammentazione del mercato** – basti pensare alle oltre 300 sedi di negoziazione presenti in Europa – rende ancora più complessa la gestione delle attività lungo tutta la catena del valore.
In questo contesto, gli investimenti in tecnologia sono cresciuti in modo significativo negli ultimi anni, sostanzialmente in linea con l’aumento degli asset under management. Eppure, nonostante lo sforzo finanziario, solo una minoranza delle istituzioni riesce a raggiungere una reale scalabilità: la ricerca evidenzia che appena il **28%** degli operatori globali ritiene di aver costruito un modello realmente scalabile lungo l’intera value chain.
Pincetti spiega che le ragioni sono strutturali. Da un lato pesa il tema del debito tecnologico, con sistemi legacy che continuano ad assorbire risorse e a limitare la flessibilità operativa. Dall’altro, una parte significativa della spesa IT e operativa rimane “incomprimibile”, legata a infrastrutture e risorse interne difficili da ottimizzare. A ciò si aggiunge il peso della regolamentazione, che in Europa può assorbire oltre il 20% del budget IT, sottraendo risorse alla trasformazione vera e propria.
È qui che entra in gioco un cambio di prospettiva: **non è più sufficiente investire in tecnologia, ma diventa cruciale ripensare il modo in cui questa viene adottata e gestita.** La leva chiave diventa la sourcing strategy. Accanto ai modelli tradizionali, basati su sviluppo interno o outsourcing classico, stanno emergendo con sempre maggiore forza modelli innovativi basati su **logiche as-a-service,** che includono soluzioni SaaS, hybrid SaaS e configurazioni integrate con BPaaS.
Il trend è confermato dai numeri: **la quota di spesa destinata a questi modelli è più che raddoppiata negli ultimi anni e continua a crescere.** Oggi circa il **13%** delle istituzioni finanziarie utilizza modelli as-a-service per supportare la scalabilità, ma la percentuale è destinata a superare il **35%** nei prossimi anni.
I vantaggi sono molteplici. Innanzitutto, la possibilità di ridurre la complessità interna, delegando a partner specializzati la gestione di componenti operative e tecnologiche. In secondo luogo, l’accesso a competenze e talenti, in particolare in ambito data e AI, sempre più difficili da attrarre e trattenere internamente. Infine, il passaggio da una logica di investimento in conto capitale a una struttura di costi operativi più flessibile e maggiormente legata ai risultati di business.
Un elemento chiave è che questi modelli non richiedono un approccio “all-in”. Al contrario, possono essere adottati in modo modulare, su specifici ambiti: dall’integrazione post-M&A, alla razionalizzazione dei back office, fino allo sviluppo di piattaforme digitali scalabili anche in ottica cross-border.
In questo scenario, **l’intelligenza artificiale** rappresenta un ulteriore fattore di discontinuità. Sempre secondo la ricerca, tecnologie come **l’Agentic AI** potrebbero arrivare a trasformare fino al **70%** dei processi operativi. Tuttavia, la loro adozione su larga scala è stata finora frenata da barriere legate alla compliance, alla qualità dei dati, ai costi e alla disponibilità di talenti.
Ancora una volta, il modello as-a-service si propone come abilitatore. Integrando compliance “by design”, accesso a dati strutturati e competenze specializzate, consente di superare molti degli ostacoli che hanno limitato finora l’adozione dell’AI, favorendo un passaggio da semplici casi d’uso sperimentali a una vera trasformazione dei processi.
Tuttavia, il punto centrale sottolineato da Pincetti è che questa evoluzione non può essere interpretata come un progetto tecnologico. Si tratta di una **trasformazione profonda del modello operativo.** Le istituzioni sono chiamate a ridefinire cosa mantenere al proprio interno, come riprogettare i processi e come orchestrare un ecosistema di partner.
In questo percorso, la governance e il change management diventano elementi critici. Non basta implementare una nuova soluzione: è necessario ripensare il funzionamento dell’organizzazione, con un coinvolgimento diretto del top management e un allineamento tra tecnologia e obiettivi di business.
Il vero cambio di paradigma è culturale prima ancora che operativo. Significa passare da un modello in cui si cerca di fare tutto internamente a uno in cui si costruisce valore orchestrando un ecosistema. In un contesto sempre più complesso, la scalabilità non si ottiene semplificando la realtà, ma imparando a gestirla in modo diverso.
*L’articolo è disponibile anche sul sito di Advisor [cliccando qui](https://advisoronline.it/asset-manager/gestori-e-mercati-finanziari/owin-26-as-a-service-e-ai-per-trasformare-la-complessita-in-efficienza)*.
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
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**Categories:** Article
**Tags:** #artificialintelligence, #efficiency, #financialservices, #operationalefficiency, #owin26, #regulation, #scalability, #wealth-management, #wealthmanagementtrends
---
### [Standard Bank: Enabling Market Expansion Through Scalable Wealth Solutions](https://objectway.com/standard-bank-enabling-market-expansion-through-scalable-wealth-solutions/)
**Published:** July 2, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Discover how Standard Bank and Objectway are enabling scalable growth through integrated technology, governance, and strategic collaboration.
**Content:**
###### JULY 7, 2026
# Standard Bank: Enabling Market Expansion Through Scalable Wealth Solutions
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
Business Development Director UK & MENA, Objectway
[Charles Harper](https://www.linkedin.com/in/charles-harper-86558267/)
Head of Offshore Investments, Standard Bank
Video Interview
[\#Businessdevelopment](/businessdevelopment/)[\#CeoTalk](/ceotalk/)[\#Customerconference](/customer-conference/)[\#Portfoliomanagement](/portfolio-management-h/)[\#Offeringevolution](/offering-evolution/)
Recorded during **OWIN26 Customer Conference**, this exclusive video interview brings together **Charles Harper, Head of Offshore Investments at Standard Bank**, and **Tariq Khan, Business Development Director UK & MENA, Objectway**, for an insightful conversation on how financial institutions can successfully scale their business in an increasingly complex and competitive landscape. Bringing together the perspectives of a leading financial institution and a technology partner, the discussion explores how technology, operating models, governance, and collaboration create the foundations for sustainable growth and long-term client value.
Reflecting on Standard Bank’s transformation journey, Charles Harper explains why technology alone cannot deliver scale. True transformation comes from **designing technology, operating processes**, and **risk management** as a **unified framework** rather than extending legacy environments with disconnected capabilities. Complementing this perspective, Tariq highlights the importance of approaching **transformation as a structured partnership**, where governance, alignment, and shared objectives are established from the outset to ensure successful execution.
The conversation explores the key challenges that organizations face when turning strategy into execution, from stakeholder alignment and evolving project scope to effective resource management. Both speakers emphasize that successful transformation depends on a **collaborative delivery model** capable of adapting to changing business requirements while maintaining a clear focus on strategic outcomes and measurable business value.
Looking ahead, Charles Harper discusses the technology capabilities required to support Standard Bank’s growth ambitions in the **mass affluent segment**, including scalable platforms, operational flexibility across multiple jurisdictions, and the ability to launch new products efficiently. Tariq Khan explains how standardized implementation frameworks, combined with configurable solutions, enable financial institutions to **accelerate transformation** while addressing their unique business priorities.
The interview concludes by highlighting that **standardization** and **personalization** are not opposing objectives but **complementary drivers of successful transformation**. Proven governance models and best practices provide consistency and efficiency, while flexible technology enables firms to tailor client journeys and operating models to their specific needs. Together, these capabilities help financial institutions build resilient, future-ready businesses that can continue to evolve in a rapidly changing market.
**RELATED POST**
Interviews
### Building True Partnerships Through Strategic Alignment, Vision and Culture
[](https://objectway.com/building-true-partnerships-through-strategic-alignment-vision-and-culture/)
News
### Is the wealth management industry scalable?
[](https://objectway.com/is-the-wealth-management-industry-scalable/)
Podcast
### Trust, AI and Scaling Wealth Management
[](https://objectway.com/trust-ai-and-scaling-wealth-management/)
**Categories:** #BusinessDevelopment, #CeoTalk, #CustomerConference, #Offeringevolution, #PortfolioManagement, OWIN26 interview, Video Interview
---
### [Market Trends Scaling Through Complexity: Automation and Repeatability in Financial Services](https://objectway.com/market-trends-scaling-through-complexity-automation-and-repeatability-in-financial-services/)
**Published:** July 6, 2026
**Author:** Beatrice Scotti
**Excerpt:** Managing complexity starts with strong foundations: automation, simplification, and AI readiness are the keys to scalable growth.
**Content:**
###### July 06, 2026
# Scaling Through Complexity: Automation and Repeatability in Financial Services
[Silvia Boccuzzi](https://www.linkedin.com/in/silvia-boccuzzi-0878b7174/)
Marketing & Communication Specialist
market trends
[\#Artificialintelligence](/artificial-intelligence/)[\#Automation](/automation/)[\#Businessdevelopment](/businessdevelopment/)[\#Scalability](/scalability)
At Objectway’s recent customer conference in Sorrento, industry leaders, executives, and experts convened to address one of the defining challenges of modern financial services: managing complexity while driving scalable growth.
Chaired by Leda Glyptis, renowned Author and Advisor, the OWIN26 Customer Conference explored how organisations can move beyond incremental innovation and build the structural foundations required for long-term competitiveness, profitability, and resilience.
Navigating Complexity with Intentional Design
A recurring thread throughout the conference was the recognition that complexity is not a temporary obstacle, but a structural consequence of growth. As Leda Glyptis noted, “success creates complexity. Longevity creates complexity. Scale creates complexity.”
This acknowledgement sets the tone for a necessary shift in mindset. Rather than attempting to eliminate complexity, leading institutions are learning to design around it—treating it as something to be shaped and governed. Left unmanaged, complexity becomes a source of friction; addressed strategically, it creates room for differentiation and long-term value creation.
This shift naturally leads to a more fundamental question: what distinguishes organisations that successfully leverage complexity from those that are constrained by it?
The Critical Role of Strong Foundations
The answer, as highlighted during the conference, lies in the quality of underlying foundations. Firms that have invested in simplifying their operating models, consolidating data, and addressing legacy fragmentation are already realising measurable advantages in profitability and performance.
However, these outcomes require more than incremental change. They demand confronting issues that have historically been deferred. Leda captured this dynamic concisely when describing how the industry often labels such challenges as “complicated”—a term that frequently stands in for deeper concerns around cost, risk, and difficult decisions.
In this context, addressing complexity is less about technological upgrades and more about organisational resolve: the willingness to simplify where it matters most.
From Operational Friction to Strategic Capability
This is where automation and repeatability come into focus, not as isolated initiatives, but as critical enablers of scale. As Leda emphasised, “automation, repeatability and reduced complexity is where the uplift is realised.”
The conversation naturally converged on operational processes that have long resisted transformation—most notably client onboarding, often referred to as a persistent “hairy beast.”
What emerged clearly is that these areas are no longer peripheral concerns. They sit at the core of competitiveness, directly impacting speed, client experience, and the ability to respond to market demands.
By embedding consistency and automation into these processes, organisations can begin to convert operational friction into strategic capability—laying the groundwork for more scalable and resilient growth.
AI as a Multiplier of What Already Exists
Building on this foundation, the role of artificial intelligence was framed with pragmatic clarity. While AI continues to dominate industry discourse, the conference reinforced that its impact is largely determined by organisational readiness.
In environments where data is clean, systems are integrated, and processes are streamlined, AI acts as a powerful accelerator of value creation. In less mature environments, however, it risks amplifying inefficiencies and exposing structural weaknesses.
This reinforces a broader conclusion that ran throughout the discussions: innovation alone is not the differentiator. The real advantage lies in the ability to operationalise it—consistently, at scale, and without introducing new layers of complexity.
From Awareness to Action
As the conference ended, the conversation returned to a theme of urgency. The industry is no longer short of ideas, technologies, or awareness. What distinguishes leaders is their willingness to act decisively.
Leda caught this feeling in a closing reflection: “The best time to make a change was the first time we realised that what we had wasn’t what we needed. The second-best time… is now.”
In a landscape where complexity will only continue to increase, the path forward is becoming clearer. Organisations that prioritise simplification, invest in strong foundations, and embed automation and repeatability into their operating models will be best positioned to scale effectively. Those that hesitate will find that complexity compounds—while the time available to address it continues to shrink.
Ultimately, managing complexity is no longer just an operational necessity; it is a defining capability for sustainable success in financial services.
**RELATED POST**
News
### New Research reveals the next Wealth Management divide: AI rewards firms built to scale.
[](https://objectway.com/new-research-reveals-the-next-wealth-management-divide-ai-rewards-firms-built-to-scale/)
OWIN26
### Scaling, solution design, and the real impact of AI in financial services
[](https://objectway.com/scaling-solution-design-and-the-real-impact-of-ai-in-financial-services/)
News
### AI widens gap between scalable and struggling wealth firms, study shows
[](https://objectway.com/ai-driving-scalability-in-wealth-management-firms/)
**Categories:** #ArtificialIntelligence, #Automation, #BusinessDevelopment, #Scalability, Blog, Market Trends
---
### [Objectway acquires Swiss private banking technology business from FNZ to strengthen its pan-European positioning](https://objectway.com/objectway-acquires-swiss-private-banking-technology-business-from-fnz-to-strengthen-its-pan-european-positioning/)
**Published:** July 1, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway acquires Swiss private banking technology business from FNZ to strengthen its pan-European positioning.
**Content:**
[](/news/)
View all News
# Objectway acquires Swiss private banking technology business from FNZ to strengthen its pan-European positioning
The acquisition consolidates its pan-European footprint, by expanding in Switzerland and Liechtenstein, as well as creating opportunities to expand in other international wealth centres. The investment enhances Objectway’s core-to-digital banking capabilities and strengthens its end-to-end offering for private banks and their cross-border wealth business.
Key takeaways
- Objectway strengthens its positioning in Switzerland and in key international cross-border wealth management hubs.
- The acquisition enhances Objectway’s end-to-end private banking proposition for mid-sized to large institutions, leveraging core banking expertise and scalable digital solutions.
- Objectway extends international operational footprint across Switzerland, Singapore and Tunisia, accelerating its growth strategy and reinforcing its ability to support banks facing cross-border expansion, consolidation, regulatory pressure and increasing operational complexity.
**Milan, Geneva, 1st July 2026** – Objectway, a global wealthtech partner for banking, wealth and asset management firms, today announced the acquisition from FNZ of their Swiss private banking technology business FNZ Switzerland SA (formerly operating as New Access). The business will now be operated under the Objectway Switzerland brand.
Objectway welcomes a team of over 160 professionals, bringing their expertise and professionalism honed in developing innovative, award-winning solutions for over 40 private banks.
The acquisition is a significant step in Objectway’s growth strategy, reinforcing its commitment to expanding its presence in key international wealth hubs such as Switzerland, Liechtenstein, Luxembourg, Monaco and the Bahamas, where the newly joined business already serves both domestic and international cross-border clients. The agreement further expands Objectway’s scalable core-to-digital capabilities supporting end-to-end private banking operations, while leveraging an international team and operational footprint across Switzerland, Singapore and Tunisia and includes ongoing collaboration with FNZ on several joint client initiatives.
Private banks are operating in a market environment shaped by consolidation, rising operational complexity, legacy constraints and increasing regulatory expectations. As institutions pursue growth and scale, technology has become a critical enabler to support long-term competitiveness, by standardising core banking platforms and adopting modular, integrated core-to-digital architectures to de-risk transformation initiatives and lay the foundation for future growth.
This latest addition enhances Objectway’s proposition for mid-sized to large private banks, combining a unified relationship management and digital banking solution, offering a 360° client view across advisory, portfolio, transactional and communication activities, with comprehensive front-to-back banking capabilities.
This further strengthens Objectway’s ability to support private banks operating in offshore and cross-border environments, across multiple jurisdictions and increasingly complex regulatory settings.
We are delighted to welcome a highly experienced and talented team to Objectway. Their expertise, international presence and strong customer relationships will contribute significantly to our future growth and innovation journey. We are committed to ensuring continuity for the clients who have built long-standing and trusted relationships with our newly joined team, supporting them in their growth journey as we have always done with our customers across the Group. This agreement significantly strengthens our position across leading wealth management markets and cross-border financial hubs in continental Europe, while opening up new opportunities across the broader regional and international market, further accelerating our growth trajectory.
[](https://www.linkedin.com/in/luigi-marciano-66b9538/)### Luigi Marciano
Founder and Group CEO of Objectway
Vincent Jeunet, who has been in charge of FNZ Group’s Swiss operations, will continue to lead the business, taking on the role of CEO Switzerland to ensure continuity for employees, clients and partners, while supporting the next phase of growth and integration within Objectway.
Joining Objectway represents an exciting new chapter for our people and our clients. I am delighted to continue leading the business that teams have helped to grow over the years, and to do so as part of the wider Objectway Group, while continuing our collaboration with FNZ on a number of joint client initiatives.
As part of Objectway, we share a vision of innovation, long-term client partnerships, and the evolution of banking technology. This creates new opportunities for us to grow more quickly, expand our capabilities, and continue to serve our customers with the expertise, continuity, and commitment they expect from us.
Our shared clients, and the wider private banking customer base, will benefit from Objectway’s significant investment capacity and proven track record in the private banking sector. Together, we recognise significant potential to generate new business opportunities across complementary market segments and client tiers.
[](https://www.linkedin.com/in/vincent-jeunet-2b8bb7/)### Vincent Jeunet
CEO of Objectway Switzerland
Advisors to Objectway on the transaction included Deloitte, which provided Financial, Commercial and Tech&Ops Due Diligence leveraging an international and multidisciplinary team coordinated by Monitor Deloitte Italy, and Giovannelli e Associati as the legal advisor.
FNZ was advised by Prager Dreifuss as its legal advisor. Barclays Bank PLC, acting through its Investment Bank, acted as sole financial advisor to FNZ.
The transaction is subject to customary closing conditions.
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Press Release
**Tags:** #businessgrowth, #businessreconfiguration, #financialservices, #oneobjectway
---
### [Building True Partnerships Through Strategic Alignment, Vision and Culture](https://objectway.com/building-true-partnerships-through-strategic-alignment-vision-and-culture/)
**Published:** June 29, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** SaaS, agility and strategic partnership: Ramsey Crookall and Objectway discuss the future of wealth management at OWIN26.
**Content:**
###### JUNE 30, 2026
# Building True Partnerships Through Strategic Alignment, Vision and Culture
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
Business Development Director UK & MENA, Objectway
[Nicola Morrison](https://www.linkedin.com/in/nicola-morrison-6435b571/)
Operations Director, Ramsey Crookall
Video Interview
[\#Businessdevelopment](/businessdevelopment/)[\#CeoTalk](/ceotalk/)[\#Customerconference](/customer-conference/)[\#Portfoliomanagement](/portfolio-management-h/)[\#Offeringevolution](/offering-evolution/)
This video interview, recorded during **OWIN26**, features **Nicola Morrison, Operations Director at Ramsey Crookall**, and **Tariq Khan, Business Development Director UK & MENA at Objectway**, discussing how **SaaS technology** is helping wealth management firms build scalable, agile, and future-ready operating models.
Nicola explains why Ramsey Crookall selected a SaaS platform to support its growth strategy and the diverse needs of its global client base. Serving a wide range of investor profiles, the firm required a **flexible technology environment** capable of adapting to evolving business requirements without the cost and complexity of developing and maintaining proprietary systems. Morrison highlights how Objectway’s ability to understand the firm’s objectives and respond to changing client expectations has made the partnership a key driver of **operational agility and service excellence**.
Tariq Khan shares Objectway’s perspective on the growing importance of SaaS in wealth management, explaining how **cloud-based platforms** provide firms of all sizes with access to enterprise-grade capabilities while reducing the burden of infrastructure, security, maintenance, and business continuity management. He also outlines why modern wealth management architectures should be **modular, API-driven**, and **designed to improve interoperability across systems**.
The discussion further explores the critical role of **technology partnerships** in successful transformation initiatives. Morrison emphasizes the value of strategic alignment, open communication, and cultural fit when selecting a technology provider, noting that **shared values** and a **collaborative approach** have been fundamental to the relationship between Ramsey Crookall and Objectway.
Watch the full interview to gain insights into SaaS adoption, platform modernization, and the partnership-led strategies that are helping wealth managers enhance efficiency, strengthen client service, and support long-term growth.
**RELATED POST**
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### Balancing Legacy, Regulation and Innovation in Large Banks
[](https://objectway.com/balancing-legacy-regulation-and-innovation-in-large-banks/)
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**Categories:** #BusinessDevelopment, #CeoTalk, #CustomerConference, #Offeringevolution, #PortfolioManagement, OWIN26 interview, Video Interview
---
### [Balancing Legacy, Regulation and Innovation in Large Banks](https://objectway.com/balancing-legacy-regulation-and-innovation-in-large-banks/)
**Published:** June 10, 2026
**Author:** leo aloi
**Excerpt:** Maarten Lindner speaks with Kurt Vanhee about innovation, data, AI and regulation, exploring how banks balance transformation, compliance and client experience.
**Content:**
###### JUNE 25, 2026
# Balancing Legacy, Regulation and Innovation in Large Banks
[Kurt Vanhee](https://www.linkedin.com/in/kurtvanhee/)
CEO of Continental Europe, Objectway
[Maarten Lindner](https://www.linkedin.com/in/mlindner/)
Lead Investment Products, Rabobank
Video Interview
[\#Businessdevelopment](/businessdevelopment/)[\#CeoTalk](/ceotalk/)[\#Customerconference](/customer-conference/)[\#Portfoliomanagement](/portfolio-management-h/)[\#Offeringevolution](/offering-evolution/)
During OWIN26, Objectway Customer Conference, **Maarten Lindner, Rabobank Lead Investment Products** and **Kurt Vanhee, Objectway’s CEO Continental Europe**, discussed with The Wealth Mosaic the key drivers of innovation in wealth management and banking.
The conversation highlighted how successful firms place the client at the centre of their transformation strategy, ensuring that business processes, technology, and data are aligned to support evolving client needs. Establishing a strong data foundation and modernizing core systems are seen as essential prerequisites for sustainable innovation.
Kurt explained that **Objectway’s modular approach** enables financial institutions to integrate new capabilities within their existing ecosystems through a process of continuous improvement. Rather than treating innovation as a one-off initiative, organizations can progressively enhance their platforms and leverage Artificial Intelligence to amplify efficiency, strengthen decision-making, and deliver greater value to clients and advisors.
Throughout the discussion, Maarten Lindner and Kurt Vanhee reinforce a central message: successful innovation requires a combination of **client-centric thinking**, **high-quality data**, modern technology foundations, **effective governance**, and clear strategic alignment.
By adopting modular platforms, modernizing legacy environments, establishing a shared vision, and **leveraging AI** as an enhancement layer rather than a standalone objective, financial institutions can create a **sustainable framework for transformation**. The ultimate goal is not simply the implementation of new technology, but the **delivery of more efficient operations**, stronger business agility, and exceptional client experiences in an increasingly complex financial landscape.
**RELATED POST**
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### Objectway and Crédit Agricole: Integrated Ecosystems to Address the Sector’s Emerging Challenges
[](https://objectway.com/objectway-and-credit-agricole-integrated-ecosystems-to-address-the-sectors-emerging-challenges/)
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### Operational efficiency and resilience: balancing scale, complexity, and transformation in wealth management
[](https://objectway.com/operational-efficiency-and-resilience-balancing-scale-complexity-and-transformation-in-wealth-management/)
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### Innovation, Legacy Systems and Scaling Client Experience
[](https://objectway.com/innovation-legacy-systems-and-scaling-client-experience/)
**Categories:** #BusinessDevelopment, #CeoTalk, #CustomerConference, #Offeringevolution, #PortfolioManagement, OWIN26 interview, Video Interview
---
### [€243B Tech spend ahead, but only 1 in 4 firms achieves scale: WBAM Research reveals structural paradox](https://objectway.com/objectway-monitor-deloitte-wbam-tech-spend-as-a-service-scalability-report-2026/)
**Published:** June 24, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** WBAM firms investiranno €243 miliardi in Tech&Ops entro il 2029, ma solo il 25% ha raggiunto la scalabilità. Lo rivela la ricerca Deloitte-Objectway.
**Content:**
[](/news/)
View all News
# €243B Tech spend ahead, but only 1 in 4 firms achieves scale: WBAM Research reveals structural paradox
Research report by Monitor Deloitte and Objectway investigates how and why as-a-service models are gaining ground, and what separates successful execution from failed implementation.
Key takeaways
- Firms are layering resources onto legacy, widening the gap between investment intensity and operational scalability
- Technology investment alone is insufficient. The real differentiator lies in how Tech&Ops capabilities are sourced, orchestrated, and delivered
- As-a-service adoption is set to triple in the next 2–3 years, emerging as a key lever to unlock scale
**Milan, 24th June 2026** – According to [research](https://objectway.com/download-analyst-research-monitor-deloitte-master-complexity-to-unlock-scale-the-as-a-service-imperative-for-wealth-banking-asset-management/) conducted by Monitor Deloitte, a consultancy firm, and Objectway, a growth partner for the financial services industry, wealth, banking and asset management (WBAM) firms are investing at record levels, with Technology & Operations spending reaching €173 billion globally and **set to hit €243 billion** by 2029. However, yet only around **one in four firms has achieved true front-to-back scalability**, growing their business without a proportional rise in cost and complexity.
This paradox emerges as WBAM firms face **record-high levels of structural complexity**, driven by a perfect storm of rising client expectations, accelerating regulation and ongoing cross-border fragmentation. These forces are placing an unprecedented strain on operating models that were not designed to withstand such a high level of change.
The findings highlight a structural paradox: firms have responded to rising complexity by **layering additional resources onto existing operating models.** This dynamic is further reinforced by legacy IT environments, which act as an invisible scalability ceiling fostering a continuous increase of technical debt. Technology and operations spending remains heavily weighted toward fixed and largely uncompressible items, with internal staff and proprietary infrastructure still accounting for approximately 50% of total IT budgets. At the same time, the persistent evolution of regulatory frameworks across markets imposes a permanent toll on IT investments.
**Manuel Pincetti, Managing Partner for Central Mediterranean Region at Monitor Deloitte**, commented on the research results:
Firms are not solving complexity – they are managing it expensively. But innovative strategies are gaining ground in the WBAM industry. Tech&Ops spending mix is rapidly accelerating towards **as-a-service models,** whose incidence has **grown by +10 percentage points** over the last few years.
[](https://www.linkedin.com/in/pincetti/)### Manuel Pincetti
Managing Partner for Central Mediterranean Region at Monitor Deloitte
Innovation alone is not enough: sourcing strategy is the real differentiator
The report highlights that technology investment per se is not sufficient to unlock scale. The key differentiator is how Technology & Operations capabilities are sourced, orchestrated and delivered.
Spending is progressively moving toward **as-a-service models**, including Hybrid SaaS, Pure SaaS and SaaS/BPaaS configurations. These models enable firms to:
- **Reduce internal complexity** by offloading non-core activities to specialised partners
- Access **modular, configurable platforms** without bespoke development
- Gain **elite access to innovation and scarce talent**
- **De-risk investments** with a limited upfront Capex and value-based pricing tied to business metrics
Pincetti added:
The adoption of **as-a-service models** is accelerating rapidly, with the proportion of firms using them as their core delivery model expected to **increase threefold** over the next two to three years. The as-a-service model is no longer just an IT model; it is a strategic response to complexity. It also enables adoption of AI at scale, where **uncertain ROI** is considered the most critical adoption barrier for almost **one third of WBAM firms**, and AI accelerates the successful deployment of as-a-service strategies.
[](https://www.linkedin.com/in/pincetti/)### Manuel Pincetti
Managing Partner for Central Mediterranean Region at Monitor Deloitte
AI: strong momentum, but governance remains the key challenge
AI is rapidly transitioning from pilot initiatives to an enterprise-wide capability across financial services, with global investments reached approximately €50 billion in 2025 and **expected to grow at around 28% CAGR through 2033**. This momentum is leaving little room for a wait-and-see approach, as firms increasingly look to reimagine operations, with up to 70% of processes potentially benefiting from AI and GenAI solutions.
However, scaling AI adoption requires more than investment alone. Around 85% of firms are currently designing dedicated AI frameworks, reflecting a growing recognition of the governance imperative as a prerequisite for industrialisation. Meanwhile, the rise of agentic AI, which is expected to increase in deployment by over 2.3 times in the next 12 months, signals a shift towards enterprise-scale applications.
**Alberto Cuccu, Chief Operating Officer International at Objectway** said:
The real challenge today is grafting AI into an **outcome-driven orchestrated solution**, not layering it on top of existing models. At Objectway, we are building a new generation of intelligent agents orchestrated within our platform, enriched by third-party capabilities, and co-designed with our clients. **Value comes from sequence:** first, define the desired outcomes; then, prioritise the **use cases with the greatest potential for scalability;** next, orchestrate the agents and workflows; finally, engineer the technology to scale.
[](https://www.linkedin.com/in/alberto-cuccu-21a401/)### Alberto Cuccu
Chief Operating Officer International at Objectway
4 call-to actions for CEOs
In conclusion, the shift to as-a-service models is not merely a technological upgrade, but a fundamental transformation of the enterprise that requires shared accountability between business and IT leadership. Success depends on strong **executive sponsorship** to align vision and execution, **disciplined change management** to guide the organization through the adoption program, and a rethinking of operating models through the lens of **AI and Agentic AI**, designing workflows that fully capture the as-a-service logic. Equally critical is the ability to foster a curated **ecosystem of strategic**, best-in-class **partners** under a clear governance framework.
**Luigi Marciano, Objectway’s Founder and Group CEO** concluded:
Financial institutions that scale successfully are not those with the most ambitious technology roadmaps, but those that have tackled the harder, less visible work first. The as-a-service journey requires more than the right platform: it demands the right **approach**, the right **organisational commitment **and the **right partner**, who understands the industry’s complexity and can support firms in moving at pace.********
[](https://www.linkedin.com/in/luigi-marciano-66b9538/)### Luigi Marciano
Objectway’s Founder and Group CEO
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
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[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
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---
### [New Research reveals the next Wealth Management divide: AI rewards firms built to scale](https://objectway.com/new-research-reveals-the-next-wealth-management-divide-ai-rewards-firms-built-to-scale/)
**Published:** June 10, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** The next competitive divide in banking, wealth and asset management will not be defined by innovation alone, but by firms’ ability to scale it profitably.
**Content:**
[](/news/)
View all News
# New Research reveals the next Wealth Management divide: AI rewards firms built to scale.
The market is entering a new phase where innovation alone is no longer a differentiator, and AI in particular risks widening operational gaps across banking, wealth and asset management. Weak foundations, poor execution and lack of strategic sourcing models are the structural barriers preventing institutions from translating technology investment into scalable, profitable growth.
Key takeaways
- Leaders are significantly more likely to report profitability increases above 15%, demonstrating a **direct link between scalability and financial performance.**
- **Integration issues** across systems are identified as the single **biggest barrier** to scalable growth.
- Externalisation and **as-a-service models** are a primary **lever of profitable scale**, regardless of firm’s size.
- Competitive advantage will not come from where **AI** is deployed, but from how it is embedded and **translated into business outcomes.**
- The strategy is the **sequence**: foundations first, externalisation as accelerator, AI as amplifier.
**Milan, 10th June 2026** – The next competitive divide in banking, wealth and asset management will not be defined by innovation alone, but by firms’ ability to scale it profitably. That is the central finding of new research that Objectway, a global wealthtech partner for banking, wealth and asset management firms, conducted in collaboration with FT Longitude, a specialist provider of thought leadership and research services.
The report, *[Built to Scale](https://objectway.com/download-analyst-research-ft-longitude-built-to-scale-innovation-is-no-longer-a-scarce-resource/)*, is based on a survey of 300 senior professionals across banks, wealth and asset managers in the UK, continental Europe and Canada.
Altough digital transformation and AI adoption are advancing rapidly across the industry, many firms are struggling to translate investment into repeatable, profitable growth. The findings point to a market entering a new phase of competition, where **scalable execution is** becoming **more important than innovation capacity** alone.
Reflecting on this shift, Luigi Marciano, Founder and Group CEO of Objectway, commented:
For years, the industry has focused on innovation. However, our research suggests that **the next competitive divide will be determined by execution**. The firms achieving the strongest results are not necessarily investing more; rather, they are investing in the **right sequence**: strengthening operational **foundations first**, **externalising** complexity **selectively**, and **embedding AI** into coherent workflows rather than layering it onto fragmented systems.
[](https://www.linkedin.com/in/luigi-marciano-66b9538/)### Luigi Marciano
CEO, Chair and founder of Objectway
To assess what differentiates firms that successfully translate investments into profitable growth, Objectway developed the **Objectway Scalability Index**, a composite framework that measures an organisation’s ability to scale profitably across two critical dimensions: client services and onboarding capabilities, and core business operations and processes.
The Index reveals a clear **correlation between scalability maturity and financial performance.** Among firms classified as Leaders, 18% report profitability growth above 15% in client services and onboarding, compared with just 4% of Followers. Likewise, 20% of Leaders achieve profitability increases above 15% in core business operations and processes, versus 9% of Followers.
The research suggests that competitive advantage is increasingly determined not by the scale of investment itself, but by an organisation’s ability to translate investment into repeatable operational and client outcomes.
The impact is already visible. Leaders are more than twice as likely as Followers to report improvements in client experience (75% vs 34%) and achieve substantially better outcomes in operational productivity (82% vs 50%) and speed of execution (82% vs 56%).
However, many firms continue to face structural barriers that limit their ability to do so. Fragmented infrastructures, poor interoperability and inconsistent data remain significant obstacles to transformation, with integration issues across systems identified as the most commonly cited barrier to scalable growth, ahead of budget constraints or skills shortages. These weaknesses are becoming even more consequential as firms accelerate AI deployment across front-office and back-office activities. The research shows that Leaders have already completed more of the enabling work: 53% prioritise improving data quality and operational AI, compared with 33% of Followers. By contrast, Followers remain more focused on addressing immediate operational pressures, with 42% prioritising the reduction of manual effort and errors, compared with just 19% of Leaders, while also relying more heavily on externalisation as a short-term relief mechanism.
As a result, **firms with weak operational foundations** are therefore finding it significantly **harder to scale AI** effectively. This indicates that AI is becoming less a shortcut around operational complexity and more a stress test of firms’ underlying operating models. Organisations with stronger data governance, connected workflows and more mature infrastructures are significantly better positioned to embed AI into business processes and deliver measurable outcomes.
This is also reflected in how Leaders conceive their sourcing strategy: Leaders orchestrate the right ecosystem of capabilities and partners: **selective externalisation is one of the most effective ways of achieving scalable growth**. Leaders adopt outsourced and as-a-service models at significantly higher rates across operationally intensive functions, including client onboarding (79% vs 39% of Followers), trade execution (80% vs 44%), tax and regulatory reporting (84% vs 48%) and IT infrastructure and applications outsourcing (87% vs 55%).
Importantly, the research finds that firms with extensive adoption of as-a-service models report double-digit profitability growth **regardless of firm size,** suggesting that externalisation is evolving from a cost-efficiency tactic into a strategic lever for long-term growth.
The findings suggest a change in how financial institutions approach transformation, moving from selecting technology to orchestrating capabilities across an increasingly complex ecosystem.
On this point, Marciano observed:
Conversations with clients have shifted from deliberating on technology adoption to focusing on the desired business outcomes and the most effective strategies to achieve them. The key question is what enables these outcomes. Here, clarity is key to **effective orchestration of investment programmes across their ecosystem.** It is important to determine whether they deliver at scale or simply add complexity.
[](https://www.linkedin.com/in/luigi-marciano-66b9538/)### Luigi Marciano
CEO, Chair and founder of Objectway
About the research
*Built to Scale* is a joint research developed by Objectway and FT Longitude.
The study is based on a survey conducted in Q1 2026 among 300 senior professionals from banks, asset managers and wealth management firms across the UK, Canada and continental Europe, including Germany, France, Italy, the Netherlands, Spain, Belgium, Switzerland and Luxembourg.
The research explores how financial institutions are pursuing scalable growth across client services and core business operations. It analyses the structural barriers limiting scalability, the role of AI and as-a-service models, and the operational characteristics that differentiate leading firms from the rest of the market.
The report introduces the Objectway Scalability Index, a proprietary framework designed to measure organizations’ ability to scale profitably across both client-facing and operational dimensions.
Download the full research here:
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8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
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[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
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---
### [Objectway wins eighth consecutive Goodacre Award for Best Wealth Management System](https://objectway.com/objectway-wins-eighth-consecutive-goodacre-award-for-best-wealth-management-system/)
**Published:** June 11, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway has been awarded Best Wealth Management System at the 2026 Goodacre Systems in the City FinTech Awards.
**Content:**
[](/news/)
View all News
# Objectway wins eighth consecutive Goodacre Award for Best Wealth Management System
Recognition reflects Objectway’s framework that turns innovation into scalable outcomes through structured orchestration and disciplined execution.
London, 12th June 2026 – Objectway, a global wealthtech partner for banking, wealth and asset management firms, has been awarded Best Wealth Management System at the 2026 Goodacre Systems in the City FinTech Awards. This marks the eighth consecutive year that Objectway has received the award, and its thirteenth consecutive Goodacre accolade overall.
The award comes at a time when wealth management firms are under increasing pressure to turn technology investments into tangible business outcomes. As AI adoption accelerates and digital transformation programmes mature, the **industry’s challenge is no longer access to innovation, but rather the ability to effectively scale it throughout the organisation.**
Conversations across the industry have evolved from technology adoption to business outcomes. Wealth managers are looking beyond point innovations to understand how to orchestrate technology, data, operations and external partners to support growth, efficiency and client value at scale.
We are honoured to receive this recognition once again. What makes this award particularly meaningful is that it reflects the experience and feedback of firms navigating a period of profound change. It is a testament to our ongoing dedication to helping wealth management firms establish the operational foundations, integrated platforms and modular ecosystems necessary for achieving scalable growth and long-term competitiveness in an increasingly nuanced market landscape. Our role is to help firms orchestrate that complexity.
[](https://www.linkedin.com/in/sandrocassar/)### Dr. Alexander Cassar
UK CEO, Objectway
In addition to the firm-wide recognition, Sally Heyworth, Client Success Leader at Objectway, received the **Relationship Management Specialist Award**, in acknowledgement of her excellence in client engagement and partnership development.
I was delighted to receive this award. Building and nurturing client relationships is something I’m deeply passionate about, as our success is defined not only by the strength of our solutions and services, but also by the quality of the partnerships we create and sustain. This recognition is a true reflection of the collective effort, dedication and excellence that all of my talented colleagues I am representing strive for every day.
[](https://www.linkedin.com/in/luigi-marciano-66b9538/)### Sally Heyworth
Client Success Leader, Objectway
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[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Awards
**Tags:** #digital-transformation, #financialservices, #innovation, #wealth-management, #wealth-management-trends
---
### [Scaling, solution design, and the real impact of AI in financial services](https://objectway.com/scaling-solution-design-and-the-real-impact-of-ai-in-financial-services/)
**Published:** June 17, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Alberto Cuccu, COO International at Objectway, shares his perspective on how financial institutions can balance technological innovation with operational execution.
**Content:**
###### JUNE 18, 2026
# Scaling, solution design, and the real impact of AI in financial services
[Alberto Cuccu](https://www.linkedin.com/in/alberto-cuccu-21a401/)
COO International, Objectway
OWIN26
[\#Customerconference](/customer-conference/)[\#OWIN](/owin/)[\#Scalability](/scalability)[\#Digitalisation](/digitalisation/)[\#Clientrelationship]()[\#Artificialintelligence](/artificial-intelligence/)[\#CeoTalk](/ceotalk/)
[](/podcast-owin-26/)
Listen to Other Episodes
This podcast episode was recorded during Objectway’s Customer Conference OWIN26, a key gathering of financial services professionals focused on innovation, scalability and transformation.
In this conversation, **Alberto Cuccu, COO International at Objectway**, shares his perspective on how financial institutions can effectively **balance technological innovation with operational execution**. He highlights that, despite the abundance of new technologies, true scalability remains a challenge for many organisations. Success, he explains, depends on building a strong platform foundation that enables growth without increasing complexity and costs proportionally.
Alberto emphasises that innovation must be aligned with each institution’s specific business model. Rather than adopting one-size-fits-all solutions, firms need **tailored approaches** built on a largely standardised core, complemented by targeted configuration to preserve differentiation while ensuring efficiency. This approach underpins **Objectway’s “solution-as-a-service” model**, designed to support complex and interconnected value chains across wealth and asset management.
A key theme is the importance of a **holistic, “front-to-back-to-front” architecture**, where processes and data flow seamlessly to generate actionable insights across the organisation. Isolated innovation, particularly at the front end, risks undermining performance if not supported by a robust operational backbone.
As the industry evolves, Cuccu identifies the **embedding of AI** as a major transformation driver, enabling a shift from systems that support decisions to systems that can act autonomously. While AI can significantly enhance efficiency, he stresses that human oversight remains essential, particularly in managing client relationships. In a domain shaped by emotions and behavioural biases, the **human element** continues to be a critical differentiator, with technology serving as a powerful enabler rather than a replacement.
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### Consulenza e wealth management: nuovi modelli, più valore
[](https://objectway.com/consulenza-e-wealth-management-nuovi-modelli-piu-valore/)
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[](https://objectway.com/innovation-legacy-systems-and-scaling-client-experience/)
**Categories:** #ArtificialIntelligence, #CeoTalk, #ClientRelationship, #CustomerConference, #Digitalisation, #Owin, #Scalability, OWIN26, Podcast
---
### [About Objectway Personalisation at scale: Reimagining financial services through the lens of the experience](https://objectway.com/personalisation-at-scale-reimaging-financial-services-through-the-lens-of-the-experience/)
**Published:** June 17, 2026
**Author:** Beatrice Scotti
**Excerpt:** Clients expect seamless, personalized experiences, service and proactive insights, evolving from passive recipients to active participants in financial advice.
**Content:**
###### JUN 17, 2026
# Personalisation at scale: Reimagining financial services through the lens of the experience
[Marianna Vilardi](https://www.linkedin.com/in/marianna-vilardi-1bb057163/)
Communication Specialist, Objectway
About Objectway
[\#Artificialintelligence](/artificial-intelligence/)[\#Businessdevelopment](/businessdevelopment/)[\#CeoTalk](/ceotalk/)[\#Clientrelationship]()[\#Customerconference](/customer-conference/)[\#FrontOffice](/front-office/)[\#Scalability](/scalability)[\#SustainableInnovation](/sustainable-innovation/)
Customer expectations are changing faster than many service models can keep pace with. Clients expect the same seamless, intuitive and personalised experiences they encounter in top-of-mind players across other industries – but in a context defined by complexity, regulation and trust.
They expect advice that is tailored to them, service that moves at speed, digital journeys that remove friction, and proactive anticipation of their needs. And increasingly, they expect to be active participants in the advice they receive. This creates both pressure and opportunity.
The data confirms it: at the client-facing edges of the business, where complexity naturally accumulates, progress is slower than many would expect. Only 14% of firms have achieved profitable scale, while 49% have begun implementing initiatives toward this goal but have not yet reached scalable profitability – a signal that many institutions have moved past early modernisation, but have not yet fully industrialised the workflows that matter most.
Because while personalisation has long been a cornerstone of wealth management, delivering it consistently, meaningfully and at scale is becoming a far more complex challenge. And perhaps nowhere is this clearer than in how the relationship between clients, advisors and technology is evolving.
*“Clients no longer benchmark their bank against another bank — they benchmark it against the best experience they have had anywhere.”* — Dr. Stefanie Auge-Dickhut, Head CC Future Financial Services at BEI St. Gallen .
Meeting that standard requires more than better technology. It requires a fundamentally different understanding of what clients want from their relationship with a financial institution – and what, increasingly, they are no longer willing to accept.
A different kind of investor, and advisor, is emerging
Something is shifting in the advisor’s office – and it is not the technology on the desk, nor the data on the screen. It is the client sitting across from it.
Edoardo Zavarella, Principal Consultant at Forrester, put it plainly at OWIN26: nearly a decade of investor research shows a clear and sustained movement away from delegation – the model in which clients trusted advisors to decide on their behalf – and toward something more participatory. Clients are arriving informed. They have done the research, processed the data, formed a view. What they are looking for, increasingly, is not an expert to follow but a thinking partner to engage with.
As Zavarella noted, *“The closer you get to being a digital native… the more you like to operate in autonomy and actually make your research and pre-prepare when you talk to your financial advisor.”*
That changes the advisor-client dynamic radically, and the advisor’s role in ways that go beyond process or tooling.
*“Value is increasingly created less by the products we offer and more by the relevance, quality, and consistency of the advice surrounding them.”* – Paolo Magnani, Deputy Managing Director at CREDEM
The advisor becomes less a gatekeeper of expertise and more its interpreter — someone who helps clients make sense of complexity rather than simply navigate it. He/she must rest on something harder to replicate:replicate: judgement, context, trust.
*“So far financial advisors have acted as asset allocators,”* Zavarella argued. *“From now on they will have to add to their skill set the capacity to act as tech-enabled coaches: content curators.”*
That evolution in the advisor’s role mirrors a broader shift in how clients move through their financial lives. Forrester’s research reveals that today’s clients orchestrate their own journeys – switching channels fluidly, blending digital and human interaction as naturally as the situation demands. Particularly striking is how narrow the gap has become between AI-enabled interactions and human-mediated ones. A client might use an AI assistant to review portfolio performance, arrive at an advisor meeting already oriented, and reserve that conversation for the kind of strategic dialogue for what experience, intuition and relationship have always done better than data alone.
The value of the human interaction, in other words, rises precisely as the basics are handled elsewhere.
Everything clients want — at scale
Four pillars are defining the modern customer experience in wealth management: personalisation, speed, self-service and proactive engagement. Individually, they are familiar concepts. Yet taken together, they imply a radically elevated service standard.
Personalisation now has to move beyond tailored recommendations toward deeply individualised relationships. Speed is no longer a differentiator – it is assumed. Whether onboarding, servicing or communication, clients increasingly see delays as design failures. Self-service has become equally essential, not simply as a convenience, but as an expression of autonomy. And the most ambitious of all is proactive engagement: the expectation that firms anticipate needs, surface opportunities and bring ideas before clients ask.
*“The key is to be able to do all this at scale.”* – Edoardo Zavarella
This is where AI enters the conversation less as disruption and more as an enabler.
It can support dynamic recommendations, power more intelligent self-service, reduce friction in processes, and help advisors engage clients more proactively.
More importantly, it shifts advisor capacity toward higher-value interactions. As routine information exchange becomes increasingly augmented, advisors can focus more on empathy, trust and strategy.
*“Technology does not replace the advisor; it enables the advisor to deliver better, more personalised service at scale. AI and platforms are not substitutes for relationships — they are the infrastructure that allows relationships to deepen.”*– Paolo Magnani, Deputy Managing Director at CREDEM
That potential, however, comes with conditions. In an industry extremely dependent on trust, the confidence clients place in AI tools is real but fragile – susceptible, as Zavarella cautioned, to the first significant public failure. Explainability, accountability, and regulatory alignment are the foundations on which sustainable adoption is built.
*“The key leadership challenge in large institutions is navigating the trade-offs between governance, compliance, and innovation — not by choosing between them, but by finding a model where all can advance together.”* – Maarten Lindner, Lead Investment Products at Rabobank
The real opportunity, it follows, lies not in isolated AI tools, but in orchestrated ecosystems — where data, agents, governance and human judgement work together.
*“Innovation in AI will only scale when performance, trust, and compliance evolve together.”*– Dr. Stefanie Auge-Dickhut, Head CC Future Financial Services at BEI St. Gallen
[Research](https://objectway.com/download-analyst-research-ft-longitude-built-to-scale-innovation-is-no-longer-a-scarce-resource/) points to where the work begins. Leaders have automated far more aggressively than Followers – 83% vs 40% in Client Engagement & Collaboration, 80% vs 33% in Onboarding, KYC & AML – and are furthest ahead in areas that demand stronger data, integration and operating model maturity, including AI-driven personalisation and more advanced client engagement. But it is the foundations they built that have created the room for something this ambitious: by embedding client experience into the operating model and combining more efficient operations, with digital tooling and multi-channel capabilities, they have built the conditions for front-office innovation to scale.
A human story, enabled by technology
For all the discussion around AI, innovation, and digital transformation, the most compelling vision emerging is surprisingly human. Technology is not making personal relationships less important. It is raising the bar around how meaningful they need to be.
Future differentiation will depend less on digital capability alone and more on how effectively organisations combine data-driven intelligence with human judgement – a model where technology extends, rather than replaces, advisory expertise. What once felt like opposing forces — scale and personalisation — is becoming a design challenge. And that is probably the most important shift of all: not a technological one, but a change in what technology is ultimately for. Richer relationships, at a scale that was never before within reach.
**RELATED POST**
News
### Operational efficiency and resilience: balancing scale, complexity, and transformation in wealth management
[](https://objectway.com/operational-efficiency-and-resilience-balancing-scale-complexity-and-transformation-in-wealth-management/)
OWIN26
### Consulenza e wealth management: nuovi modelli, più valore
[](https://objectway.com/consulenza-e-wealth-management-nuovi-modelli-piu-valore/)
Video Interview
### Platforms, AI and Private Equity Shaping the Future of Wealth Management
[](https://objectway.com/platforms-ai-and-private-equity-shaping-the-future-of-wealth-management/)
**Categories:** #ArtificialIntelligence, #BusinessDevelopment, #CeoTalk, #ClientExperience, #ClientRelationship, #CustomerConference, #FrontOffice, #Scalability, #Sustainableinnovation, About Objectway, Blog
---
### [Abundant Innovation, Elusive Scale: Rethinking Growth in Financial Services](https://objectway.com/abundant-innovation-elusive-scale-rethinking-growth-in-financial-services/)
**Published:** June 9, 2026
**Author:** leo aloi
**Excerpt:** This video interview presents Alberto Cuccu, Objectway’s COO International, sharing his perspective on how financial institutions can achieve scalable innovation.
**Content:**
###### JUNE 16, 2026
# Abundant Innovation, Elusive Scale: Rethinking Growth in Financial Services
[Alberto Cuccu](https://www.linkedin.com/in/alberto-cuccu-21a401/)
COO International, Objectway
Video Interview
[\#Businessdevelopment](/businessdevelopment/)[\#CeoTalk](/ceotalk/)[\#Customerconference](/customer-conference/)[\#Portfoliomanagement](/portfolio-management-h/)[\#Offeringevolution](/offering-evolution/)
Recorded during **OWIN26**, this video interview presents **Alberto Cuccu, Objectway’s COO International**, sharing his perspective on how financial institutions can achieve scalable innovation. The conversation focuses on key themes such as building strong operational foundations, leveraging partnerships, and using AI to enable sustainable growth.
From Alberto’s standpoint, scalable innovation means **growing revenues without a proportional increase in costs, complexity, or risk**. This requires a clear approach:
- first, establishing a solid and reliable foundation;
- second, embracing partnerships as a way to co-create value and expand capabilities;
- and third, using AI as an accelerator of scalability.
A central idea in his perspective is that **scalability must be designed from the outset**. This involves building an ecosystem of partners and applications, adopting composable and open architectures, and implementing solution-as-a-service models that combine standardization with differentiation.
Alberto also highlights that AI can deliver real impact only when supported by a strong, open and API-driven operational foundation, and when aligned with clear business objectives. In this sense, successful innovation depends on a close integration between business and technology, enabling organizations to evolve towards more dynamic and scalable “systems of actions.”
Overall, his viewpoint underscores that scalability is not a by-product of growth, but a **strategic design choice**, enabled by the right combination of architecture, partnerships, and intelligent technologies.
**RELATED POST**
Interviews
### Objectway and Crédit Agricole: Integrated Ecosystems to Address the Sector’s Emerging Challenges
[](https://objectway.com/objectway-and-credit-agricole-integrated-ecosystems-to-address-the-sectors-emerging-challenges/)
Interviews
### Platforms, AI and Private Equity Shaping the Future of Wealth Management
[](https://objectway.com/platforms-ai-and-private-equity-shaping-the-future-of-wealth-management/)
Podcast
### Innovation, Legacy Systems and Scaling Client Experience
[](https://objectway.com/innovation-legacy-systems-and-scaling-client-experience/)
**Categories:** #BusinessDevelopment, #CeoTalk, #CustomerConference, #Offeringevolution, #PortfolioManagement, OWIN26 interview, Video Interview
---
### [Platforms, AI and Private Equity Shaping the Future of Wealth Management](https://objectway.com/platforms-ai-and-private-equity-shaping-the-future-of-wealth-management/)
**Published:** May 21, 2026
**Author:** leo aloi
**Excerpt:** Platforms, partnerships and private equity are reshaping wealth management, as Objectway and Cinven outline a scalable path to innovation without complexity.
**Content:**
###### JUNE 05, 2026
# Platforms, AI and Private Equity Shaping the Future of Wealth Management
[Luigi Marciano](https://www.linkedin.com/in/luigi-marciano-66b9538/)
Group Founder & CEO, Objectway
[Luigi Sbrozzi](https://www.linkedin.com/in/luigi-sbrozzi/)
Partner, Cinven
Video Interview
[\#Businessdevelopment](/businessdevelopment/)[\#CeoTalk](/ceotalk/)[\#Customerconference](/customer-conference/)[\#Portfoliomanagement](/portfolio-management-h/)[\#Offeringevolution](/offering-evolution/)
During OWIN26, Objectway Customer Conference, We Wealth met with **Objectway and Cinven** to explore how platforms, artificial intelligence and investment strategies are redefining the wealth management landscape. The discussion brought together industrial vision and financial perspective, offering a coherent view on how innovation can scale effectively without increasing complexity.
**Luigi Marciano, Objectway’s Group Founder & CEO**, outlined how Objectway’s journey began with a clear intuition: platforms would fundamentally **transform the way technology is used in financial services**. Starting from wealth management—one of the most complex and client-centric areas—the company progressively built a scalable platform capable of supporting financial intermediaries across the entire value chain, first in Italy and then across Europe. This evolution led to a broader, **pan-European vision**, where technology, local expertise and a unified culture converge in the **“One Objectway” approach**, enabling institutions to differentiate their service models while managing regulatory and market complexity.
Building on this, **Luigi Marciano** highlighted how **partnerships have become essential to turning innovation into tangible value**. The traditional outsourcing model has evolved into a more strategic approach, where financial institutions increasingly rely on specialised partners also for core processes. This shift is driven by the **rise of “as-a-service” models**, where Objectway has been a pioneer, delivering integrated solutions that fit seamlessly into existing ecosystems rather than replacing them, ultimately reducing complexity while enhancing operational efficiency.
In this context, the perspective of private equity further reinforces the importance of scale and long-term vision. As explained by **Luigi Sbrozzi, Partner at Cinven**, the **investment in Objectway** was driven by its unique positioning as a truly pan-European WealthTech provider, combined with a strong and sustainable growth model. With deep sector expertise and a partnership-driven approach, Objectway is able to support both domestic institutions and major international players in their transformation journeys.
Looking ahead, the collaboration between Objectway and Cinven aims to **accelerate international expansion** and continuous innovation, **strengthening the company’s leadership in the WealthTech space**. Together, their perspectives highlight a shared direction for the industry: a future built on scalable platforms, integrated ecosystems and strategic partnerships capable of delivering innovation without added complexity.
**RELATED POST**
Interviews
### Objectway and Crédit Agricole: Integrated Ecosystems to Address the Sector’s Emerging Challenges
[](https://objectway.com/objectway-and-credit-agricole-integrated-ecosystems-to-address-the-sectors-emerging-challenges/)
News
### Operational efficiency and resilience: balancing scale, complexity, and transformation in wealth management
[](https://objectway.com/operational-efficiency-and-resilience-balancing-scale-complexity-and-transformation-in-wealth-management/)
Podcast
### Innovation, Legacy Systems and Scaling Client Experience
[](https://objectway.com/innovation-legacy-systems-and-scaling-client-experience/)
**Categories:** #BusinessDevelopment, #CeoTalk, #CustomerConference, #Offeringevolution, #PortfolioManagement, OWIN26 interview, Video Interview
---
### [Objectway and Crédit Agricole: Integrated Ecosystems to Address the Sector’s Emerging Challenges](https://objectway.com/objectway-and-credit-agricole-integrated-ecosystems-to-address-the-sectors-emerging-challenges/)
**Published:** May 28, 2026
**Author:** leo aloi
**Excerpt:** This video interview unfolds as a fluid and multi-voiced conversation where our eminent speakers engage in a shared reflection on the transformation of the wealth and asset management industry.
**Content:**
###### June 04, 2026
# Objectway and Crédit Agricole: Integrated Ecosystems to Address the Sector’s Emerging Challenges
[Gianbattista Geroldi](https://www.linkedin.com/in/gianbattista-geroldi-070a322a/)
CEO Italy
**Objectway**
[Caroline Bouchy](https://www.linkedin.com/in/caroline-bouchy-dubini-437b095/)
Deputy General Manager
**Indosuez Wealth Management Italia**
[Giorgio Solcia](https://www.linkedin.com/in/giorgiosolcia/)
Country Managing Director
**CACEIS Bank**
Video Interview
[\#Clientrelationship]()[\#Artificialintelligence](/artificial-intelligence/)[\#Portfoliomanagement](/portfolio-management-h/)[\#Offeringevolution](/offering-evolution/)
Recorded during OWIN26, Objectway’s Customer Conference, this video interview unfolds as a fluid and multi-voiced conversation in which our eminent kynote speakers engage in a shared reflection on the transformation of the wealth and asset management industry.
The dialogue develops organically through their complementary perspectives. **Gianbattista Geroldi, Objectway’s CEO Italy**, frames the discussion within a broader context marked by geopolitical uncertainty and increasing complexity, highlighting the evolution from traditional service provision to a partnership-driven model. In this view, **technology** becomes an enabler of scalable innovation, capable of combining stability, security, and standardisation with the flexibility required to respond to rapidly changing market dynamics.
This perspective is enriched by the contribution of **Caroline Bouchy**, **Deputy General Manager at Indosuez Wealth Management Italia**, part of the Crédit Agricole Group, who brings the voice of a global wealth management boutique. The focus shifts towards the expectations of clients—particularly new generations—and the qualities required of strategic partners. **Innovation**, understood not only as technological advancement but also as the ability to rethink processes and client interaction models, is presented alongside the importance of international reach and transparency as key drivers for building long-term trust.
Completing the conversation, **Giorgio Solcia, Country Managing Director at CACEIS Bank**, offers insight into a critical yet often less visible segment of the value chain: **post-trade services and depositary functions**. From this vantage point, the emphasis is placed on operational efficiency, control, and the industrialisation of processes, supported by automation and advanced technologies. The ability to ensure seamless integration across platforms and stakeholders emerges as a fundamental condition for the effective functioning of the entire ecosystem.
Together, these contributions shape a cohesive narrative in which the exchange between the three speakers provides a comprehensive view of the industry. The conversation moves seamlessly across different roles—from technology provider to wealth manager to post-trade specialist—illustrating how collaboration, integration, and shared strategic vision are increasingly central to addressing the challenges and opportunities of a rapidly evolving financial landscape.
**RELATED POST**
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### Gli agenti dell’Ai in finanza: così trasformano il 70% dei processi
[](https://objectway.com/gli-agenti-dellai-in-finanza-cosi-trasformano-il-70-dei-processi/)
News
### OWIN26. CA Italia: la sfida della Next Gen si vince con un ecosistema integrato
[](https://objectway.com/owin26-ca-italia-la-sfida-della-next-gen-si-vince-con-un-ecosistema-integrato/)
Podcast
### Wealth e Asset Management: perchè la scalabilità è la nuova sfida
[](https://objectway.com/wealth-e-asset-management-perche-la-scalabilita-e-la-nuova-sfida/)
**Categories:** #ArtificialIntelligence, #ClientRelationship, #Offeringevolution, #PortfolioManagement, OWIN26 interview, Video Interview
---
### [Trust, AI and Scaling Wealth Management](https://objectway.com/trust-ai-and-scaling-wealth-management/)
**Published:** June 10, 2026
**Author:** leo aloi
**Excerpt:** Dr. Alexander Cassar, Objectway's CEO UK, shares his perspective on the transformation of the wealth management industry driven by AI, modular platforms, and service-based operating models.
**Content:**
###### JUNE 11, 2026
# Trust, AI and Scaling Wealth Management
[Dr. Alexander Cassar](https://www.linkedin.com/in/sandrocassar/)
CEO UK, Objectway
OWIN26
[\#Customerconference](/customer-conference/)[\#OWIN](/owin/)[\#Scalability](/scalability)[\#Digitalisation](/digitalisation/)[\#Clientrelationship]()[\#Artificialintelligence](/artificial-intelligence/)[\#CeoTalk](/ceotalk/)
[](/podcast-owin-26/)
Listen to Other Episodes
This podcast episode, recorded in collaboration with **Leaders in Finance** during **OWIN26 – Objectway Customer Conference**, features **Dr. Alexander Cassar, CEO UK at Objectway**, who shares his perspective on the transformation of the wealth management industry driven by Artificial Intelligence, modular platforms, and service-based operating models.
Cassar highlights a moment of strong hype around **AI adoption**, emphasizing that its real value lies in the **ability to scale and integrate it into business processes**, rather than treating it as a standalone innovation. In his view, firms must focus on amplifying AI within their operations to enhance client outcomes and improve efficiency.
A central element of this transformation is the shift toward **composable, as-a-service architectures**, where a modular, component-based approach enables firms to balance standardization and flexibility. By configuring rather than customizing systems, organizations can deliver differentiated client experiences while avoiding complexity and reducing operational and technical overhead.
Cassar also underlines the importance of purpose-driven innovation, where every technological investment is designed to generate tangible return on investment, whether through front-office differentiation or end-to-end automation. In this context, operational excellence is increasingly defined by the ability to deliver **client-centric solutions** and solve real business challenges effectively.
Looking ahead, he identifies **trust** as a critical and often underestimated factor in the evolution of financial services. As ecosystems become more complex and technology-driven, maintaining trust between clients, wealth managers, and technology providers will be essential to sustaining long-term value and innovation.
**RELATED POST**
Podcast
### Consulenza e wealth management: nuovi modelli, più valore
[](https://objectway.com/consulenza-e-wealth-management-nuovi-modelli-piu-valore/)
Podcast
### Partnerships, Innovation and Ecosystem Evolution
[](https://objectway.com/partnerships-innovation-and-ecosystem-evolution/)
Podcast
### Innovation, Legacy Systems and Scaling Client Experience
[](https://objectway.com/innovation-legacy-systems-and-scaling-client-experience/)
**Categories:** #ArtificialIntelligence, #CeoTalk, #ClientRelationship, #CustomerConference, #Digitalisation, #Owin, #Scalability, OWIN26, Podcast
---
### [System in the City Fintech Awards 20264th June 2026 ](https://objectway.com/system-in-the-city-fintech-awards-2026/)
**Published:** June 2, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will be proud to attend the forthcoming edition of Systems in The City FinTech Awards 2026 organised by Goodacre.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# System in the City Fintech Awards 2026
4th June 2026 – Objectway will be proud to attend the forthcoming edition of Systems in The City FinTech Awards 2026 organised by Goodacre.
## Agenda
Thursday, 4th June 2026
12:30 – 4:00 PM
System in the City Fintech Awards 2026
Tariq Khan, Business Development Director, Objectway
The Systems in the City Fintech Awards are the leading endorsement for suppliers of services and systems to the regulated financial services sector. They are based on an independent and factual annual accreditation process, overseen by three independent judges.
Winners will be announced on **Thursday 4 June 2026 at the prestigious Merchant Taylors’ Hall**, offering a standout opportunity to be recognised in front of an influential audience of senior leaders and decision-makers from across the City. The event takes the form of a cocktail reception followed by a lunch and then the Award Presentation. It will run from **12:30 to 4:00 PM.**
Stay tuned to learn how to submit your vote and reward Objectway solutions. In the meantime, we encourage you to [explore more about how our offering](https://objectway.com/objectway-platform-for-wealth-asset-banking-management/) can maximise your clients’ wealth and operational efficiency.
## Event Information
Thursday, 4th June 2026, Presentation Lunch at Merchant Taylors’ Hall, 30 Threadneedle St, London
Further info at
We’re looking forward to meeting you in London!
## Related
[All](#)[\#digital-change](#)[\#digital-transformation](#)[\#wealth-management](#)[\#wealthtech](#)
[„Deutschland ist noch etwas altmodisch unterwegs“](https://objectway.com/abn-amro-und-hauck-aufhauser-lampe-fusionieren-zur-drittgrosten-privatbank-deutschlands/)[Article](https://objectway.com/category/article-genitore/article-glo/)### „Deutschland ist noch etwas altmodisch unterwegs“
4 August 2026
[Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen](https://objectway.com/skalierungslucke-warum-ki-investitionen-an-der-kundenschnittstelle-verpuffen/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen
4 August 2026
[OWIN26: as-a-service e AI per trasformare la complessità in efficienza](https://objectway.com/owin26-as-a-service-e-ai-per-trasformare-la-complessita-in-efficienza/)[Article](https://objectway.com/category/article-genitore/article-glo/)### OWIN26: as-a-service e AI per trasformare la complessità in efficienza
8 July 2026
## Sign Up for our Newsletter
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**Categories:** Event
**Tags:** #digitaltransformation, #investmentmanagers, #oneobjectway, #wealth-management
---
### [Consulenza e wealth management: nuovi modelli, più valore](https://objectway.com/consulenza-e-wealth-management-nuovi-modelli-piu-valore/)
**Published:** May 14, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Paolo Magnani, CREDEM e Nicola Pepè, Objectway, affrontano le trasformazioni che stanno ridisegnando il settore del wealth management e della consulenza.
**Content:**
###### MAY 14, 2026
# Consulenza e wealth management: nuovi modelli, più valore
[Paolo Magnani](https://www.linkedin.com/in/paolo-magnani/)
Vice Direttore Generale, CREDEM
[Nicola Pepè](https://www.linkedin.com/in/nicola-pep%C3%A8-6569861/)
Business Development Director, Objectway
OWIN26
[\#Customerconference](/customer-conference/)[\#OWIN](/owin/)[\#Scalability](/scalability)[\#Digitalisation](/digitalisation/)[\#Clientrelationship]()[\#Artificialintelligence](/artificial-intelligence/)[\#CeoTalk](/ceotalk/)
[](/podcast-owin-26/)
Listen to Other Episodes
Nel nuovo episodio del podcast registrato durante OWIN26 Customer Conference, si affrontano le trasformazioni che stanno ridisegnando il settore del wealth management e della consulenza.
A discuterne sono **Nicola Pepè, Business Development Director di Objectway**, e **Paolo Magnani, Vicedirettore Generale di Credem**, con la conduzione di Paola Ragno di WeWealth.
L’evoluzione del settore non riguarda solo strumenti digitali o nuovi prodotti, ma coinvolge in profondità modelli di servizio, organizzazione e approccio al cliente.
In un contesto caratterizzato da crescente complessità normativa, aspettative sempre più elevate da parte dei clienti e diversi livelli di maturità digitale, emerge la necessità di un’innovazione integrata, capace di considerare **tecnologia, processi, regolamentazione e intelligenza artificiale come leve interconnesse.**
Secondo Nicola Pepè, Business Development Director di Objectway, il passaggio chiave è dall’idea di software-as-a-service a quella di **solution-as-a-service:** un approccio che accompagna le istituzioni finanziarie a 360°, evitando logiche frammentate e focalizzate su singoli ambiti.
Paolo Magnani, Vicedirettore Generale di Credem, si sofferma invece sulla capacità di costruire relazioni solide e durature con i clienti. Dal suo punto di vista, la risposta a questa sfida passa da una **forte specializzazione dell’offerta,** che distingue tra:
- clientela private, con un modello di servizio dedicato
- clientela retail, con bisogni e approcci differenti
A questa struttura si affianca un **ecosistema integrato di competenze** che amplia la consulenza oltre l’ambito finanziario tradizionale, includendo:
- protezione e assicurazioni
- pianificazione patrimoniale e passaggio generazionale
- real estate
- consulenza fiscale
In questo modello, il banker mantiene un ruolo centrale come punto di riferimento nella relazione con il cliente.
Guardando ai prossimi anni, emergono due direttrici principali destinate a influenzare il mercato:
### Consulenza basata sugli obiettivi
Si afferma un modello di **goal-based advisory,** in cui il focus non è più solo sull’analisi dei bisogni attuali, ma sulla pianificazione degli obiettivi futuri del cliente. Un approccio che richiede un cambiamento culturale significativo, ma che potrebbe consolidarsi progressivamente anche nel mercato italiano.
### Longevità e pianificazione di lungo periodo
L’allungamento dell’aspettativa di vita rende centrale il tema della costruzione del futuro finanziario nel lungo termine. Diventa quindi essenziale utilizzare la tecnologia per anticipare bisogni ed esigenze e supportare i clienti lungo tutto l’arco della loro vita.
Questo episodio offre una fotografia chiara delle sfide e delle opportunità che attendono il settore, evidenziando come innovazione, personalizzazione e visione strategica siano elementi imprescindibili per il futuro della consulenza finanziaria.
**RELATED POST**
Podcast
### A conversation on AI, resilience, and large-scale transformation
[](https://objectway.com/a-conversation-on-ai-resilience-and-large-scale-transformation/)
Podcast
### Wealth e Asset Management: perchè la scalabilità è la nuova sfida
[](https://objectway.com/wealth-e-asset-management-perche-la-scalabilita-e-la-nuova-sfida/)
News
### Credem accelera sull’innovazione e sul WM evoluto: AI e piattaforme per la relazione col cliente
[](https://objectway.com/credem-accelera-sullinnovazione-e-sul-wm-evoluto-ai-e-piattaforme-per-la-relazione-col-cliente/)
**Categories:** #ArtificialIntelligence, #CeoTalk, #ClientRelationship, #CustomerConference, #Digitalisation, #Owin, #Scalability, OWIN26, Podcast
---
### [Innovation, Legacy Systems and Scaling Client Experience](https://objectway.com/innovation-legacy-systems-and-scaling-client-experience/)
**Published:** May 27, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Maarten Lindner, Lead Investments Product at Rabobank and Kurt Vanhee, Objectway's CEO Continental Europe highlight the strong momentum around innovation, reflecting on the value of collaboration.
**Content:**
###### MAY 27, 2026
# Innovation, Legacy Systems and Scaling Client Experience
[Maarten Lindner](https://www.linkedin.com/in/mlindner/)
Lead Investments Product, Rabobank
[Kurt Vanhee](https://www.linkedin.com/in/kurtvanhee/)
CEO Continental Europe, Objectway
OWIN26
[\#Customerconference](/customer-conference/)[\#OWIN](/owin/)[\#Scalability](/scalability)[\#Digitalisation](/digitalisation/)[\#Clientrelationship]()[\#Artificialintelligence](/artificial-intelligence/)[\#CeoTalk](/ceotalk/)
[](/podcast-owin-26/)
Listen to Other Episodes
In this special episode of the Leaders in Finance podcast, recorded live at OWIN26 Customer Conference in Italy, host Kees de Witt, Managing Director at Leaders in Finance, brings together two prominent voices from the financial services ecosystem: **Kurt Vanhee, CEO Continental Europe at Objectway**, and **Maarten Lindner, Lead Investment Products** at **Rabobank**.
The discussion highlights the strong momentum around innovation, with participants reflecting on the value of collaboration and knowledge-sharing during the event. From a client perspective, the importance of enhancing user journeys and delivering seamless experiences emerges as a central theme, particularly in the context of investment services.
A key point raised throughout the conversation is the complexity faced by established financial institutions. Large organizations must continuously balance innovation with regulatory requirements, governance structures, and legacy IT environments. These factors create multiple trade-offs, requiring a careful and structured approach to change.
From a strategic standpoint, Kurt Vanhee emphasizes that successful transformation begins with a clear focus on client needs. He notes that innovation—especially in areas such as artificial intelligence—can only deliver value when supported by strong foundational systems and reliable data. Without this groundwork, even advanced technologies risk falling short of expectations.
Building on this, the role of technology architecture is addressed through the concept of modular transformation. A phased and flexible approach allows institutions to modernize progressively, integrating new solutions while maintaining existing operations. This avoids disruption and supports continuous evolution, rather than one-off transformation efforts.
Maarten Lindner contributes by outlining how Rabobank addresses these challenges through a long-term “North Star” vision. This strategic roadmap aligns stakeholders across the organization and provides clarity on priorities and dependencies, enabling the bank to manage innovation over time while maintaining focus on improving the digital client experience.
The episode concludes by reinforcing a shared perspective: innovation in finance is not a single initiative, but an ongoing journey. It requires alignment between strategy, technology, and organization, as well as a balanced integration of emerging capabilities such as AI within a broader transformation framework.
**RELATED POST**
Podcast
### Partnerships, Innovation and Ecosystem Evolution
[](https://objectway.com/partnerships-innovation-and-ecosystem-evolution/)
Podcast
### Consulenza e wealth management: nuovi modelli, più valore
[](https://objectway.com/consulenza-e-wealth-management-nuovi-modelli-piu-valore/)
Podcast
### Wealth e Asset Management: perchè la scalabilità è la nuova sfida
[](https://objectway.com/wealth-e-asset-management-perche-la-scalabilita-e-la-nuova-sfida/)
**Categories:** #ArtificialIntelligence, #CeoTalk, #ClientRelationship, #CustomerConference, #Digitalisation, #Owin, #Scalability, OWIN26, Podcast
---
### [BEI St. Gallen Workshop 202620th - 22nd May 2026 ](https://objectway.com/bei-st-gallen-workshop-2026/)
**Published:** May 18, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway partners with the Business Engineering Institute (BEI) St. Gallen for a new session in its workshop series.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# BEI St. Gallen Workshop 2026
20th – 22nd May 2026 – Objectway partners with the Business Engineering Institute (BEI) St. Gallen for a new session in its workshop series, bringing together industry professionals, researchers and practitioners to explore key developments in banking technology and architecture.
## Agenda
20th – 22nd May 2026
BEI St. Gallen Workshop
Sebastian Held, Product Manager, Objectway
Objectway’s collaboration with BEI St. Gallen reflects a shared commitment to advancing innovation in banking through the Banking IT Reference Model and its workshop series. This partnership bridges research and practice, supporting financial institutions in addressing evolving IT architecture challenges.
This edition focuses on the evolution of transaction processing within next-generation banking IT architectures, building on the outcomes of Modules 7–13 of the BEI Banking IT Reference Model. The workshop will provide a structured and research-driven framework to assess future requirements, design principles and decision models supporting modern banking ecosystems.
The program offers a unique opportunity to engage in in-depth discussions, combining academic insights with practical perspectives, and to contribute to shaping scalable, efficient and future-ready banking platforms.
Objectway will be represented by **Sebastian Held, Product Manager,** who will contribute his expertise and insights on transaction processing and banking platform evolution.
## Event Information
20th – 22nd May 2026, Hotel Carlton, Höheweg 92-94, 3800 Interlaken
Discover more at
We’re looking forward to meeting you in Interlaken!
## Speakers
Sebastian Held
Sebastian is a seasoned Product Leader for the Core Banking Solution OBS at Objectway. He’s responsible for guiding the product’s future development with a keen focus on market and regulatory driven innovations. With over 16 years of experience at Objectway, Sebastian has held various positions and has been instrumental in managing numerous projects. His extensive background includes defining requirements, and designing and implementing solutions.
## Related
[All](#)[\#digital-change](#)[\#digital-transformation](#)[\#wealth-management](#)[\#wealthtech](#)
[„Deutschland ist noch etwas altmodisch unterwegs“](https://objectway.com/abn-amro-und-hauck-aufhauser-lampe-fusionieren-zur-drittgrosten-privatbank-deutschlands/)[Article](https://objectway.com/category/article-genitore/article-glo/)### „Deutschland ist noch etwas altmodisch unterwegs“
4 August 2026
[Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen](https://objectway.com/skalierungslucke-warum-ki-investitionen-an-der-kundenschnittstelle-verpuffen/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen
4 August 2026
[OWIN26: as-a-service e AI per trasformare la complessità in efficienza](https://objectway.com/owin26-as-a-service-e-ai-per-trasformare-la-complessita-in-efficienza/)[Article](https://objectway.com/category/article-genitore/article-glo/)### OWIN26: as-a-service e AI per trasformare la complessità in efficienza
8 July 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
Yes, I want to receive updates about Objectway events and products. I have read and agree with the [Privacy Policy & Terms of Use]()
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**Categories:** Event
**Tags:** #digitaltransformation, #investmentmanagers, #oneobjectway, #wealth-management
---
### [Partnerships, Innovation and Ecosystem Evolution](https://objectway.com/partnerships-innovation-and-ecosystem-evolution/)
**Published:** May 20, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Karl de Borger, KBC Securities Services, Thomas de Nil, vdk bank and Kurt Vanhee, Objectway focus on partnerships, governance and AI, highlighting trust, simplicity and ecosystem-driven finance.
**Content:**
###### MAY 21, 2026
# Partnerships, Innovation and Ecosystem Evolution
[Karl de Borger](https://www.linkedin.com/in/karldeborger/)
Head of Sales & Relationship Management, KBC Securities Services
[Thomas de Nil](https://www.linkedin.com/in/thomas-de-nil-81990413/)
Head of Savings & Investments, vdk bank
[Kurt Vanhee](https://www.linkedin.com/in/kurtvanhee/)
CEO Continental Europe, Objectway
OWIN26
[\#Customerconference](/customer-conference/)[\#OWIN](/owin/)[\#Scalability](/scalability)[\#Digitalisation](/digitalisation/)[\#Clientrelationship]()[\#Artificialintelligence](/artificial-intelligence/)[\#CeoTalk](/ceotalk/)[\#Businessdevelopment](/businessdevelopment/)
[](/podcast-owin-26/)
Listen to Other Episodes
Recorded during the OWIN26 Customer Conference in Sorrento, this episode of the Leaders in Finance podcast brings together senior executives to explore how financial institutions are evolving their operating models through strategic partnerships, innovation, and emerging technologies.
The conversation opens with **Kurt Vanhee, Objectway’s CEO Continental Europe**, who sets the scene by reflecting on the shared challenges faced by financial institutions across markets, as highlighted during OWIN26. He points to the accelerating shift toward ecosystem-based models, where collaboration across multiple partners—spanning software, operations, and outsourcing—is becoming essential. Building on this, he emphasizes that trust is not a starting point but the result of consistent delivery and mutual value creation, a dynamic that becomes increasingly critical as consolidation and changing client expectations reshape the competitive landscape.
Expanding on the theme of collaboration, **Karl de Borger, Head of Sales & Relationship Management, KBC Securities Services,** connects the importance of trust to structured execution. Drawing on his experience at KBC Securities Services, he highlights how successful partnerships rely on clear governance, well-defined accountability, and continuous alignment across stakeholders. He underscores that a best-of-breed approach, combined with disciplined delivery, enables institutions to meet both strategic objectives and regulatory demands. Looking ahead, Karl links these capabilities to broader industry shifts, including generational wealth transfer and the growing role of artificial intelligence in driving automation and operational efficiency.
Bringing a client-centric perspective into the discussion, **Thomas de Nil, Head of Savings & Investments, vdk bank**, reinforces the strategic importance of partnerships while focusing on their ultimate impact on end users. He emphasizes that, in an increasingly complex environment, institutions must ensure simplicity and clarity for both clients and advisors. This requires absorbing complexity within backend systems and partner ecosystems, supported by transparent roadmaps and close alignment. In this context, he notes that while technologies such as AI will play a transformative role, their success will depend on remaining invisible to the end user—enhancing, rather than complicating, the overall experience.
This episode provides a concise and connected perspective on how leading financial institutions are aligning trust, governance, and innovation to operate effectively within an increasingly interconnected and rapidly evolving financial ecosystem.
**RELATED POST**
Podcast
### Consulenza e wealth management: nuovi modelli, più valore
[](https://objectway.com/consulenza-e-wealth-management-nuovi-modelli-piu-valore/)
Podcast
### Wealth e Asset Management: perchè la scalabilità è la nuova sfida
[](https://objectway.com/wealth-e-asset-management-perche-la-scalabilita-e-la-nuova-sfida/)
Podcast
### A conversation on AI, resilience, and large-scale transformation
[](https://objectway.com/a-conversation-on-ai-resilience-and-large-scale-transformation/)
**Categories:** #ArtificialIntelligence, #BusinessDevelopment, #CeoTalk, #ClientRelationship, #CustomerConference, #Digitalisation, #Owin, #Scalability, OWIN26, Podcast
---
### [Wealth e Asset Management: perchè la scalabilità è la nuova sfida](https://objectway.com/wealth-e-asset-management-perche-la-scalabilita-e-la-nuova-sfida/)
**Published:** May 12, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Andrea Cattaneo, BNP Paribas, e Gianbattista Geroldi, Objectway sottolineano come la scalabilità è legata alla capacità di offrire soluzioni tecnologiche flessibili, in grado di adattarsi ai diversi modelli operativi dei clienti.
**Content:**
###### MAY 12, 2026
# Wealth e Asset Management: perchè la scalabilità è la nuova sfida
[Andrea Cattaneo](https://www.linkedin.com/in/andrea-cattaneo-9b75b829/)
Head of Italy, Switzerland & Iberia Securities Services, BNP Paribas
[Gianbattista Geroldi](https://www.linkedin.com/in/gianbattista-geroldi-070a322a/)
CEO Italia, Objectway
OWIN26
[\#Customerconference](/customer-conference/)[\#OWIN](/owin/)[\#Scalability](/scalability)[\#Digitalisation](/digitalisation/)[\#Clientrelationship]()[\#Artificialintelligence](/artificial-intelligence/)[\#CeoTalk](/ceotalk/)
[](/podcast-owin-26/)
Listen to Other Episodes
La scalabilità rappresenta oggi una delle principali sfide per il settore del wealth management e dell’asset management. In un contesto regolamentato e altamente competitivo, gli operatori sono chiamati a crescere mantenendo al contempo efficienza operativa, sicurezza e capacità di personalizzazione.
Questi i temi al centro del secondo episodio della serie di Podcast OWIN26. **Paola Ragno, giornalista di WeWealth** modera il confronto tra **Giambattista Geroldi, CEO Objectway Italia**, e **Andrea Cattaneo, Head of Italy, Switzerland and Iberia Security Services di BNP Paribas.**
Nel corso della conversazione, Giambattista Geroldi approfondisce il concetto di scalabilità applicato ai servizi finanziari. Per Objectway, la scalabilità non è soltanto legata alla gestione di volumi crescenti, ma alla capacità di offrire **soluzioni tecnologiche flessibili,** in grado di adattarsi ai diversi modelli operativi dei clienti. Le piattaforme devono evolvere nel tempo, integrando normative, processi standardizzati e un elevato grado di configurabilità, elementi essenziali per supportare la crescita sostenibile di banche, SGR e operatori del risparmio gestito.
Andrea Cattaneo racconta invece l’evoluzione della collaborazione tra BNP Paribas e Objectway, avviata tra il 2021 e il 2022 in seguito a una revisione strategica dei servizi di asset e wealth management in Italia. La partnership ha portato alla ridefinizione dell’offerta, partendo dalla gestione dei partecipanti ai fondi italiani e creando una base solida per lo sviluppo futuro. Nel tempo, la collaborazione si è ampliata includendo nuovi ambiti, come **l’asset management alternativo,** con progetti già operativi e ulteriori iniziative in fase di sviluppo.
Dal punto di vista di Objectway, la collaborazione con BNP Paribas dimostra come sia possibile coniugare la **solidità di un grande gruppo bancario internazionale** con la flessibilità di una piattaforma tecnologica specializzata. Come sottolinea Gianbattista, il valore della partnership risiede nella capacità di costruire soluzioni condivise, evolutive e orientate al lungo termine.
Guardando alle prospettive future, Andrea Cattaneo evidenzia il ruolo centrale della **digitalizzazione dei servizi finanziari** e dell’adozione di tecnologie emergenti, in particolare **dell’intelligenza artificiale generativa.** L’innovazione tecnologica viene indicata come un fattore chiave per migliorare l’esperienza dei clienti e aumentare l’efficienza dei modelli operativi.
In conclusione, è evidente come la **scalabilità nel wealth e asset management** passi sempre più attraverso partnership strategiche, capaci di unire competenze, tecnologia e visione.
**RELATED POST**
Podcast
### A conversation on AI, resilience, and large-scale transformation
[](https://objectway.com/a-conversation-on-ai-resilience-and-large-scale-transformation/)
News
### Credem accelera sull’innovazione e sul WM evoluto: AI e piattaforme per la relazione col cliente
[](https://objectway.com/credem-accelera-sullinnovazione-e-sul-wm-evoluto-ai-e-piattaforme-per-la-relazione-col-cliente/)
About Objectway
### Grafting Innovation, Cultivating Success: Scaling Growth at OWIN26
[](https://objectway.com/grafting-innovation-cultivating-success-scaling-growth-at-owin26/)
**Categories:** #ArtificialIntelligence, #CeoTalk, #ClientRelationship, #CustomerConference, #Digitalisation, #Owin, #Scalability, OWIN26, Podcast
---
### [A conversation on AI, resilience, and large-scale transformation](https://objectway.com/a-conversation-on-ai-resilience-and-large-scale-transformation/)
**Published:** May 5, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Eric van der Deijl, ABN AMRO Bank Country Operating Officer and Karl im Brahm, Objectway CEO DACH Region, address strategic priorities such as efficiency, resilience, and the tangible impact of AI in the financial services sector.
**Content:**
###### MAY 6, 2026
# A conversation on AI, resilience, and large-scale transformation
[Eric van der Deijl](https://www.linkedin.com/in/eric-van-der-deijl-1224291/)
Country Operating Officer, ABN AMRO Bank
[Karl im Brahm](https://www.linkedin.com/in/karl-im-brahm/?locale=en)
CEO DACH Region, Objectway
OWIN26
[\#Customerconference](/customer-conference/)[\#OWIN](/owin/)[\#Scalability](/scalability)[\#Digitalisation](/digitalisation/)[\#Clientrelationship]()[\#Artificialintelligence](/artificial-intelligence/)[\#CeoTalk](/ceotalk/)
[](/podcast-owin-26/)
Listen to Other Episodes
During the latest Objectway Customer Conference, OWIN26, Leaders in Finance spoke with C-Level leaders and senior decision makers from across European Financial Services Industry.
In this first episode, **Eric van der Deijl, ABN AMRO Bank Country Operating Officer** and **Karl im Brahm, Objectway CEO DACH Region**, address strategic priorities such as efficiency, resilience, and the tangible impact of AI, while also examining ABN AMRO’s integration of Hauck Aufhäuser Lampe and the management of complexity in major transformation programs.
The discussion explores how efficiency and resilience have become strategic imperatives for financial institutions, closely linked to client trust and long term performance. Banks are increasingly leveraging artificial intelligence to enhance efficiency, with data quality recognized as a foundational enabler. In private banking, AI is positioned as a powerful support tool for advisors and relationship managers, augmenting—rather than replacing—the personal relationships that remain central to client trust.
Karl addresses efficiency through the lens of complexity, stressing the need to scale business models—rather than systems—within strict regulatory environments. He underscores the importance of integrated AI adoption, combining technology, ecosystem collaboration, and cultural readiness.
Managing complexity emerges as a critical challenge, particularly in highly regulated environments. Successful transformation requires scalable business models, strong ecosystems, and an integrated approach to AI adoption that encompasses technology, culture, and regulatory compliance. Regulation, including frameworks such as DORA and the evolving AI Act, reinforces the need for resilience while shaping how innovation is implemented responsibly.
Large scale transformation is explored through ABN AMRO Germany’s Horizon program, described by Eric as a strategic integration of Hauck Aufhäuser Lampe encompassing technology, clients, and people.
Looking ahead, AI’s true impact is seen as potentially underestimated—not in ambition, but in execution—requiring strong change management to unlock its transformative potential.
**RELATED POST**
News
### From innovation to scalable advantage: Objectway’s OWIN26 Customer Conference
[](https://objectway.com/from-innovation-to-scalable-advantage-recapping-objectway-owin26/)
About Objectway
### Grafting Innovation, Cultivating Success: Scaling Growth at OWIN26
[](https://objectway.com/grafting-innovation-cultivating-success-scaling-growth-at-owin26/)
News
### Innovation built to scale at Objectway’s OWIN26
[](https://objectway.com/innovation-built-to-scale-at-objectways-owin26/)
**Categories:** #ArtificialIntelligence, #CeoTalk, #ClientRelationship, #CustomerConference, #Digitalisation, #Owin, #Scalability, OWIN26, Podcast
---
### [Digital Integration in Wealth Management Conference 202617th – 18th March 2026 ](https://objectway.com/digital-integration-in-wealth-management-conference-2026/)
**Published:** March 12, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway tackles the pitfalls of AI and CRM transformation in our upcoming keynote at Digital Integration in Wealth Management Conference 2026.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Digital Integration in Wealth Management Conference 2026
17th – 18th March 2026 – Ensure your tech investments deliver: Objectway tackles the pitfalls of AI and CRM transformation in our upcoming keynote at Digital Integration in Wealth Management Conference 2026.
## Agenda
Tuesday, 17th March 2026
10:20 AM
Case Study: How Digital Strategies, AI and Data Can Drive Growth
Tariq Khan, Business Development Director, Objectway
The 10th Annual Digital Integration in Wealth Management conference returns to London, bringing together over 300 senior executives from private banks, family offices, and wealth management firms. As the industry faces a pivotal shift driven by next-generation client expectations and rapid technological evolution, this event serves as the ultimate platform to explore how digital strategy, AI, and robust operational models can drive sustainable growth.
During the event, Objectway will take the stage for an exclusive expert speech. **Tariq Khan, Objectway Business Development Director,** from Objectway, will provide first-hand insights into transforming the client experience through an omnichannel approach while balancing front-office productivity with smart technology investments.
Tariq’s presentation will address several key themes:
- How are firms leveraging AI integration and data insights to enhance efficiency and deliver superior client outcomes.
- The role of digital tools in today’s competitive landscape.
- Overcoming organisational and cultural resistance to digital change.
- Future-proofing your firm’s digital strategy in the era of intergenerational wealth transfer.
Discover how we are helping firms across EMEA navigate their digital transformation journey with confidence and precision.
Fill in the form with your information and request your registration to the event at the following link: [https://www.eventsonlineregister.com/tc-events/10th-annual-digital-integration-in-wealth-management-2026/](https://event.hubfinance.com/e/alternative-private-equity-forum-2025/registration/register)
Expect bold ideas, real-world use cases, and insightful conversations to boost your business’s growth!
## Event Information
Tuesday – Wednesday, 17th – 18th March 2026, Convene 155 Bishopsgate, Liverpool Street, London
We’re looking forward to meeting you in London!
## Speakers
Tariq Khan
Tariq is Client Development Director at Objectway and he leads the Business Development and Account Management teams. Tariq is passionate about Wealth management sector and has been working with Wealth Managers for over 15 years, with the prime focus on delivering outstanding client outcomes. He and his team try and achieve this by forming long term partnerships with firms and enabling them to improve their user and end client experience, operational efficiency, and become future ready through Objectway’s digital solutions. Tariq studied Physiology at Kings College London and he holds the Islamic Finance Qualification.
## Related
[All](#)[\#digital-change](#)[\#digital-transformation](#)[\#wealth-management](#)[\#wealthtech](#)
[„Deutschland ist noch etwas altmodisch unterwegs“](https://objectway.com/abn-amro-und-hauck-aufhauser-lampe-fusionieren-zur-drittgrosten-privatbank-deutschlands/)[Article](https://objectway.com/category/article-genitore/article-glo/)### „Deutschland ist noch etwas altmodisch unterwegs“
4 August 2026
[Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen](https://objectway.com/skalierungslucke-warum-ki-investitionen-an-der-kundenschnittstelle-verpuffen/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen
4 August 2026
[OWIN26: as-a-service e AI per trasformare la complessità in efficienza](https://objectway.com/owin26-as-a-service-e-ai-per-trasformare-la-complessita-in-efficienza/)[Article](https://objectway.com/category/article-genitore/article-glo/)### OWIN26: as-a-service e AI per trasformare la complessità in efficienza
8 July 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
Yes, I want to receive updates about Objectway events and products. I have read and agree with the [Privacy Policy & Terms of Use]()
Your brand company
**Categories:** Event
**Tags:** #digitaltransformation, #investmentmanagers, #oneobjectway, #wealth-management
---
### [MokaByte Conference 2026 – DevOps & Architecture Day11th March 2026](https://objectway.com/moka-conference-2026-devops-architecture-day/)
**Published:** March 10, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** In 2026, MokaByte Conference expands its experience with a day fully dedicated to DevOps, cloud-native architectures, and modern platform engineering.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# MokaByte Conference 2026 Conference 2026 – DevOps & Architecture Day
11th March 2026 – A full day designed for DevOps practitioners, platform engineers, SREs, architects, and IT leaders who want to move from theory to high-impact execution. Meet us at MokaByte Conference 2026!
## Agenda
Wednesday 11th March 2026
12:00 – 13:00 CET
Building Platforms: From Vision to Reality
Michele Danieli, Architecture & Technology Director, Objectway
**MOKA Conference is Italy’s leading innovation event** dedicated to software engineering, cloud technologies, and digital transformation. Each year, it brings together developers, architects, engineers, and technology strategists eager to explore emerging practices, real-world architectures, and the future of building and scaling digital platforms.
In 2026, MOKA expands its experience with a day fully dedicated to **DevOps, cloud-native architectures, and modern platform engineering**—a unique opportunity for professionals seeking to level up their skills and drive meaningful change inside their organizations.
In an era where speed and efficiency define competitive advantage, organizations rely on robust, well-designed platforms to scale productivity and innovate without friction. At **Objectway, platforms—across business, application, and technology layers**—are a cornerstone of long-term strategy.
A full day designed for DevOps practitioners, platform engineers, SREs, architects, and IT leaders who want to move from theory to high-impact execution.
In this session, **Michele Danieli** will guide you through Objectway’s transformational journey in building MIDA, a sustainable, cloud-ready platform supporting both development and operations teams.
**Key takeaways:**
- How to define strategic goals and translate them into a real, **functional platform architecture**
- The **mental models and metaphors** that enabled Objectway to evolve from strategy to execution
- Common pitfalls to avoid: why imitating other platforms can hinder innovation
- How a platform becomes **more than technology**—an ecosystem connecting people, processes, and tools
A talk designed for architects and technology leaders looking to shape impactful platform strategies. Stay tuned — this is one session you won’t want to miss.
Be part of a community shaping the next generation of software engineering excellence.
Whether you’re modernizing workflows, scaling cloud architectures, or building high-performance teams, the DevOps & Architecture Day will equip you with actionable insights and a clear strategic vision.
[Secure your seat now and unlock the future of DevOps.](https://www.mokaconference.it/)
## Event Information
Wednesday, 11th March 2026, Officine Credem, Piazzale Europa, 1, Parco Innovazione – Capannone 17 – 42124 Reggio Emilia (RE)
We’re looking forward to meeting you in Reggio Emilia!
## Speakers
Michele Danieli
Michele is Architecture and Technology Director at Objectway for the Financial Advisory Tribe. After starting his career in a garage building software for telcos, he held technical and managerial roles. He still loves to build things in the engine room and counters architecture dogmatism with his tag line Architecture must be Useful not only True.
## Related
[All](#)[\#digital-change](#)[\#digital-transformation](#)[\#wealth-management](#)[\#wealthtech](#)
[„Deutschland ist noch etwas altmodisch unterwegs“](https://objectway.com/abn-amro-und-hauck-aufhauser-lampe-fusionieren-zur-drittgrosten-privatbank-deutschlands/)[Article](https://objectway.com/category/article-genitore/article-glo/)### „Deutschland ist noch etwas altmodisch unterwegs“
4 August 2026
[Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen](https://objectway.com/skalierungslucke-warum-ki-investitionen-an-der-kundenschnittstelle-verpuffen/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen
4 August 2026
[OWIN26: as-a-service e AI per trasformare la complessità in efficienza](https://objectway.com/owin26-as-a-service-e-ai-per-trasformare-la-complessita-in-efficienza/)[Article](https://objectway.com/category/article-genitore/article-glo/)### OWIN26: as-a-service e AI per trasformare la complessità in efficienza
8 July 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
Yes, I want to receive updates about Objectway events and products. I have read and agree with the [Privacy Policy & Terms of Use]()
Your brand company
**Categories:** Event
**Tags:** #digitaltransformation, #investmentmanagers, #oneobjectway, #wealth-management
---
### [Objectway at Frankfurt Digital Finance 2026 – Driving the Future of European WealthTech Through Innovation, Scale, and Vision](https://objectway.com/objectway-at-frankfurt-digital-finance-2026-driving-the-future-of-european-wealthtech-through-innovation-scale-and-vision/)
**Published:** March 3, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** At Frankfurt Digital Finance, Objectway’s Founder & Group CEO Luigi Marciano shared an inspiring narrative about the company’s journey to a leading European WealthTech provider.
**Content:**
###### MAR, 03
# Objectway at Frankfurt Digital Finance 2026 – Driving the Future of European WealthTech Through Innovation, Scale, and Vision
[Luigi Marciano](https://www.linkedin.com/in/luigi-marciano-66b9538/)
Group Founder & CEO, Objectway
Video Interview
[\#Portfoliomanagement](/portfolio-management-h/)[\#Onboarding](/onboarding/)[\#DigitalAdvisory](/digital-advisory/)[\#OneObjectway](/one-objectway/)[\#SustainableInnovation](/sustainable-innovation/)
At Frankfurt Digital Finance 2026, Objectway’s Founder & Group CEO Luigi Marciano shared an inspiring narrative about the company’s journey from a specialised technology partner for financial institutions to a leading European WealthTech provider. His story resonates strongly in today’s financial landscape, where digital transformation, scalable platforms, and cross border integration are key to long term competitiveness.
The discussion opened by revisiting Objectway’s origins. Rather than starting from a predefined concept, Marciano built the company by responding directly to the real technological and operational needs of banks and regulated financial players. Early collaborations exposed a clear market gap: institutions didn’t just need tools to support their business—they needed technology capable of transforming it. This insight became the foundation for Objectway’s long-term strategy.
Over time, the company developed its proprietary platform: a modern, open, modular ecosystem designed to embed regulatory requirements, integrate emerging technologies such as AI, and scale across the entire wealth, banking, and asset management value chain. This platform-first approach positioned Objectway as a strategic enabler for institutions seeking both operational efficiency and future-ready digital capabilities.
As Luigi explained, the evolution continues. A new strategic partnership with Cinven, a renowned global private equity firm, marks the start of an accelerated growth phase—combining Objectway’s entrepreneurial energy with Cinven’s investment capabilities and shared commitment to sustainable, substance-based value creation.
Luigi concluded by highlighting that “The future cannot be predicted — it has to be built.”
Objectway intends to shape that future by combining entrepreneurial energy with strategic investment to achieve ambitious goals and unlock value beyond the sum of its parts.
**RELATED POST**
About Objectway
### From Vision to Platform: An Entrepreneurial Blueprint for Building a Pan-European WealthTech Leader
[](https://objectway.com/from-vision-to-platform-an-entrepreneurial-blueprint-for-building-a-pan-european-wealthtech-leader/)
News
### Objectway accelerates its growth path through an investment from Cinven in partnership with its founder Luigi Marciano
[](https://objectway.com/objectway-accelerates-its-growth-path-through-an-investment-from-cinven-in-partnership-with-its-founder-luigi-marciano-and-the-existing-management-team/)
News
### Banken: REGULATORIK ALS INNOVATIONSQUELLE?
[](https://objectway.com/banken-regulatorik-als-innovationsquelle/)
**Categories:** #ClientRelationship, #DigitalAdvisory, #OneObjectway, #PortfolioManagement, #Sustainableinnovation, Video Interview
---
### [Wachstum mit Substanz: Karl im Brahm über Europas Finanzarchitektur](https://objectway.com/wachstum-mit-substanz-karl-im-brahm-uber-europas-finanzarchitektur/)
**Published:** February 26, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Karl im Brahm, DACH-CEO von Objectway, mit altii über Europas Wettbewerbsfähigkeit, strategisches Wachstum durch M&A und die Frage, warum Innovation in Banken oft an strukturellen Hürden scheitert.
**Content:**
[](/news/)
View all News
# Wachstum mit Substanz: Karl im Brahm über Europas Finanzarchitektur
26\. Februar 2026 – Auf dem Event Frankfurt Digital Finance sprach Karl im Brahm, DACH-CEO von Objectway, mit altii über Europas Wettbewerbsfähigkeit, strategisches Wachstum durch M&A und die Frage, warum Innovation in Banken oft an strukturellen Hürden scheitert. Das Gespräch kreiste um nicht weniger als die Zukunftsfähigkeit der europäischen Finanzarchitektur, und die Rolle technologischer Souveränität in einer zunehmend fragmentierten Welt.
Europa vs. USA: Zwischen Abhängigkeit und Aufbruch
Die Debatte „Europa fällt zurück“ greift für Karl im Brahm nicht zu kurz, aber sie ist komplexer, als es Schlagzeilen vermuten lassen. Europas strukturelle Schwäche liege weniger im fehlenden Know-how als in der Fragmentierung der Märkte und der Langsamkeit politischer Entscheidungsprozesse. Während die USA regulatorisch einheitlich agieren und aktuell sogar deregulieren, müsse Europa 27 nationale Interessen in Einklang bringen.
„Kompetenzen sind da“, so im Brahm. „Aber wir denken zu selten ganzheitlich und zu häufig in isolierten Use Cases.“
Gerade im Bereich Künstliche Intelligenz zeige sich dieses Muster: Innovation werde oft projektbasiert betrieben, nicht als umfassende Transformation von Front- bis Backoffice. Länder wie Skandinavien oder Großbritannien seien hier konsequenter. Dort werde vom Kundenbedürfnis aus gedacht, inklusive Prozessdesign, Governance und Integration in bestehende Strukturen.
Gleichzeitig sieht im Brahm positive Bewegung: Initiativen wie europäische Zahlungsalternativen oder die Diskussion um digitale Souveränität gewinnen an Dynamik. Der Druck von außen könne als Katalysator wirken. „Vielleicht braucht Europa diesen Druck, um mutiger zu werden.“
Ein zentrales Thema bleibt die technologische Infrastruktur. Hyperscaler stammen überwiegend aus den USA, europäische Alternativen sind bislang kaum marktrelevant. Für im Brahm ist klar: Ein europäischer Hyperscaler wäre strategisch sinnvoll als Investition in Sicherheit und Wettbewerbsfähigkeit.
M&A als Wachstumsstrategie: Integration ist Chefsache
Objectway verfolgt seit Jahrzehnten eine konsequente Akquisitionsstrategie. Gegründet in den 1990er-Jahren in Italien, expandierte das Unternehmen schrittweise in Märkte wie Großbritannien, Benelux, Kanada und Deutschland. Heute ist Objectway ein international aufgestellter Softwareanbieter für Finanzdienstleister.
Doch für im Brahm entscheidet sich der Erfolg einer Akquisition nicht beim Signing, sondern in der Integration. „Integration ist keine Berateraufgabe, sondern Managementverantwortung“, betont er.
Technologische Harmonisierung, etwa über skalierbare Plattformarchitekturen, sei anspruchsvoll, aber planbar. Die größere Herausforderung liege in der kulturellen Integration. Multinationale Teams, gemeinsame Projektverantwortung und klare Leitlinien seien entscheidend, um Vertrauen aufzubauen.
Dabei gebe es keinen universellen Blueprint. Jede Integration verlaufe anders. Entscheidend sei der Wille zur echten Zusammenführung, von oben getragen und konsequent vorgelebt. Fehler seien dabei unvermeidlich, aber lernfähig.
Mit dem Einstieg von Private Equity sieht im Brahm zusätzlichen Rückenwind für weiteres Wachstum. Zehn Prozent organisches Wachstum pro Jahr seien im IT-Sektor kein unrealistisches Ziel, vorausgesetzt, die strategische Richtung stimme.
Innovation in Banken: Vom Use Case zur Transformation
Warum scheitern so viele Innovationsinitiativen in Banken? Im Brahm beobachtet ein wiederkehrendes Muster: Innovation werde isoliert betrachtet, als Pilotprojekt, nicht als integraler Bestandteil der Wertschöpfungskette.
„Was häufig fehlt, ist das End-to-End-Denken“, sagt er.
Ein einzelner AI-Use-Case könne technisch funktionieren, doch ohne Anpassung der Prozesse, Governance-Strukturen und Mitarbeiterqualifikation bleibe er wirkungslos. Innovation müsse vom Kundenbedürfnis her gedacht und in bestehende Organisationen eingebettet werden.
Fintechs hätten hier strukturelle Vorteile. Sie starten mit einem klar definierten Kundenbedürfnis, entwickeln darauf aufbauend ein fokussiertes Produkt und bauen Prozesse sowie Infrastruktur gezielt zur Unterstützung dieser Vision auf. Banken hingegen beginnen mit etablierten Prozessen, gewachsener Skalierung und regulatorischer Tiefe, zögern jedoch oft, fest verankerte Geschäftsmodelle oder Ertragsstrategien grundlegend zu überdenken.
Die Zukunft wird voraussichtlich weder ausschließlich dem einen noch dem anderen Ansatz gehören. Vielmehr werden sich jene Institute durchsetzen, die die Agilität und produktzentrierte Innovationskraft von Fintechs mit dem Vertrauen, der Kapitalstärke und der operativen Resilienz etablierter Anbieter verbinden.
Zukunftsfähigkeit: drei entscheidende Faktoren
Auf die Frage, woran ein Finanzunternehmen seine Zukunftsfähigkeit messen sollte, nennt im Brahm drei zentrale Kriterien:
- **Offenheit für Innovation,** nicht als Schlagwort, sondern als echte Transformationsbereitschaft.
- **Budget und Investitionsfähigkeit:** Ohne finanzielle Ressourcen bleibt Strategie Theorie.
- **Mut zur Geschäftsmodellveränderung,** die Bereitschaft, bestehende Strukturen grundlegend zu hinterfragen.
Technologische Architektur sei dabei zunehmend strategisch relevant, insbesondere im Kontext von Cloud-Readiness und Plattformökonomie. Doch Technologie allein genüge nicht. Kulturelle Anpassungsfähigkeit werde zum Wettbewerbsfaktor.
Blick nach Asien: Unterschätzte Dynamik
Während Europa und die USA die öffentliche Debatte dominieren, mahnt im Brahm einen stärkeren Blick nach Asien an. Die Innovationsgeschwindigkeit dort sei hoch, regulatorische Hürden teilweise geringer. Strategische Allianzen könnten für Europa eine Option sein, um geopolitische Abhängigkeiten zu reduzieren.
Derzeit haben die asiatischen Märkte nur einen begrenzten Einfluss auf sein Geschäft, doch langfristig könnte dieser Markt strategisch stärker in den Fokus rücken.
Fazit
Das Gespräch mit Karl im Brahm zeigt: Europas Finanzindustrie steht vor strukturellen Herausforderungen, aber auch vor realen Chancen. Entscheidend wird sein, ob es gelingt, von isolierten Innovationsprojekten zu ganzheitlicher Transformation überzugehen, technologische Souveränität strategisch aufzubauen und kulturelle Integration als Führungsaufgabe zu begreifen.
Wachstum mit Substanz bedeutet für Objectway Plattformdenken, internationale Skalierung und Managementverantwortung.
Die Zukunft der europäischen Finanzarchitektur entscheidet sich weniger an einzelnen Technologien als an der Fähigkeit, sie konsequent und mutig in tragfähige Infrastrukturen zu übersetzen.
Integration ist keine Berateraufgabe, sondern Managementverantwortung.
[](https://www.linkedin.com/in/karl-im-brahm/)### Karl im Brahm
CEO DACH Region, Objectway
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
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**Tags:** #artificialintelligence, #efficiency, #financialservices, #operationalefficiency, #privatebanking, #regulation
---
### [Why business owners’ biggest planning gap comes after the sale](https://objectway.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)
**Published:** February 25, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** As more Canadian business owners prepare to sell, a lack of formal succession and post-sale planning is creating significant advice opportunities in the market.
**Content:**
[](/news/)
View all News
# Why business owners’ biggest planning gap comes after the sale
25th February 2026 – As more Canadian business owners prepare to sell, a lack of formal succession and post-sale planning is creating one of the most significant advice opportunities in the market.
Just 9% of Canadian business owners have a formal succession plan, according to research from the Canadian Federation of Independent Business (CFIB), even as a majority move steadily toward exit. The same data shows that 41% expect to sell within five years and another 20% within the following decade.
Canada is home to more than 1.4 million small businesses, representing a substantial and often underdeveloped client segment for advisors with the expertise to serve them. With increasing demand for specialized investment, tax and insurance advice, business owners present a meaningful long-term planning opportunity.
Despite this, many owners will approach their succession plan alone and often with less confidence than they would if they worked with a financial professional. CFIB’s research shows that business owners are 91% more confident in their succession plan when they have worked with a financial advisor.
For financial planners that have business owner clients who are close to selling their business or have recently sold their business, these clients are prime candidates for discussing planning opportunities.
For a successful business owner, succession planning doesn’t stop when the business has been transitioned to the new business owners. Often the proceeds of a business succession are still in a corporate entity for tax purposes, typically a holding company of the owner/manager.
Turning corporate proceeds into intergenerational wealth
This arrangement leads to potential estate planning opportunities that financial planners should be discussing with their business owner clients when helping with preparing the succession plan. By having discussions about the succession plan and what happens after that plan is carried out, planners may be able to save their clients millions of dollars in taxes.
For example, consider a 65-year-old successful business owner who sells their business for $4 million and now they have the proceeds invested in their holding company’s investment account earning 5%. With no estate planning this client has the potential to have a total tax liability, both personal and corporate, of about $2.9 million today. Leaving their heirs with only 25.5% of the assets once all the tax bills are taken care of.
With proactive planning led by a financial advisor, the outcome can shift significantly. Strategies such as share redemptions, loss carrybacks and the use of insurance to fund future tax liabilities can meaningfully reduce the eventual tax burden.
In this scenario, total taxes at death could fall to roughly $1.9 million, increasing the portion of wealth transferred to heirs to approximately 59% after tax. A detailed breakdown of this scenario is available on the RazorPlan blog, which explores how planning software can illustrate the impact of death and taxation on shareholder wealth.
Planning tools and modelling software can help advisors illustrate these outcomes clearly, enabling more informed decision-making and reinforcing the advisor’s role in long-term wealth stewardship.
Succession planning for a business owner who is looking to transition into their retirement years is important but is not the end of the planning need for this client segment. Incorporating a thorough estate plan within the succession plan will have significant benefits for both the business owner and the planners they are working with.
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
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**Categories:** Article
**Tags:** #artificialintelligence, #efficiency, #financialservices, #operationalefficiency, #regulation, #wealth-management-trends
---
### [How can wealth managers balance AI innovation with cybersecurity?](https://objectway.com/how-can-wealth-managers-balance-ai-innovation-with-cybersecurity/)
**Published:** February 19, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** As artificial intelligence (AI) becomes embedded across wealth management, firms are under increasing pressure to balance innovation with resilience.
**Content:**
[](/news/)
View all News
# How can wealth managers balance AI innovation with cybersecurity?
19th February 2026 – As artificial intelligence (AI) becomes embedded across wealth management, firms are under increasing pressure tobalance innovation with resilience, particularly amid a cyber threat landscape that continues to grow in scale andsophistication.
Cybersecurity has emerged as a “top priority” for UK organisations, with the vast majority (82 percent) planning toincrease their budgets for cybersecurity over the coming 12 months, according to the KPMG Global Tech Report 2026. Ofthis number, 57 percent expect to raise their spending by more than ten percent.
Nevertheless, AI remains the largest area of investment. Over 90 percent of respondents agreed that, by the end of 2026,AI will have evolved from an “efficiency enabler” to a “revenue-driving innovation”, signalling a shift away from early-stageapplications and trials, and towards tangible value and measurable returns on investment.
However, as AI becomes more sophisticated, its risks become harder to evade.
Georgios Lekkas, innovation director at wealthtech Objectway, observed that “concerns over accuracy, algorithmic bias,and the murky, ‘black-box’ nature of AI decision-making” continue to permeate the sector.
Practical obstacles – including opaque models, potential data leaks, and reliance on third-party vendors – remain“particularly pertinent” to wealth managers, given the use of “sensitive client data and bespoke services.”
“These risks are exacerbated by the use of unauthorised AI tools, which can lead to blindspots regarding data leakages,compliance breaches, and inconsistent client outcomes,” Mr Lekkas said.
Yet these risks do not lie solely with the firms.
AI is increasingly being used to engineer highly convincing ‘social’ attacks, such as deepfake-enabled fraud andpersonalised phishing scams. In such situations, it is often the client – rather than the firm – that is directly targeted.
“The weakest point of any organisation is its people,” noted Ben Kumar, head of strategy for wealth, public policy andinvestment at 7IM.
This vulnerability is primarily due to limited awareness or experience when it comes to technology. “Individuals do nothave the same capacity to ‘screen out’ scams like firms do,” Mr Kumar added, pointing out that it is “far easier toconvince a client that you are a firm than it is to convince a firm that you are a client.”
This challenge is compounded by the growing sophistication of AI, and technology more broadly. Mr Kumar explainedthat attackers are increasingly adept at using data to ‘triangulate’ information between a business and its people.
“Even details shared unconsciously, like those posted on LinkedIn, can be used to create a picture, which gives attackersgreater credibility,” he said.
This form of profiling enables fraudsters to “convincingly portray themselves as a wealth or investment manager,”despite the personal relationships that typically exist between high net worth clients and their advisers.
“As relationships become more easily mimicked, it becomes harder for clients to distinguish between what is real andwhat is fake,” Mr Kumar claimed.
Despite the growing severity of these threats, the industry’s response appears to be subdued.
Regulations such as the Digital Operational Resilience Act (DORA), the EU AI Act, and emerging AI governance standardspromote stronger controls, secure development, and vendor oversight, all of which help mitigate AI enabled attacks.
Similarly, both the Bank of England and the Financial Conduct Authority (FCA) now incorporate cybersecurity into theirstress testing and operational resilience frameworks, but, despite clear regulatory recognition that AI amplifies cyberrisk, AI-specific cyber stress tests remain absent.
Progress is also uneven amongst firms. While larger banks are investing heavily in advanced AI-enabled defence tools,many smaller wealth managers and mid-sized firms are lagging behind.
“As AI continually transforms both attack methods and defensive possibilities, regulatory and risk frameworks mustevolve in parallel to ensure adequate protection against emerging threats,” urged Mr Lekkas.
He highlighted the need for “dynamic, adaptive governance” to keep pace with AI’s rapid evolution.
“Success will depend on selecting the right use cases, reinforcing robust data governance, and upholding the higheststandards of security and regulatory compliance,” he said.
“As wealth management firms navigate this evolution the balance between innovation, regulatory compliance and trustwill be key to shaping the future of financial services.”
As AI continually transforms both attack methods and defensive possibilities, regulatory and risk frameworks mustevolve in parallel to ensure adequate protection against emerging threats. Success will depend on selecting the right use cases, reinforcing robust data governance, and upholding the higheststandards of security and regulatory compliance.
[](https://www.linkedin.com/in/jonathanhartley/)### Georgios Lekkas
Innovation Director, Objectway
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
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**Categories:** Article
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---
### [About Objectway From Vision to Platform: An Entrepreneurial Blueprint for Building a Pan-European WealthTech Leader](https://objectway.com/from-vision-to-platform-an-entrepreneurial-blueprint-for-building-a-pan-european-wealthtech-leader/)
**Published:** February 23, 2026
**Author:** Beatrice Scotti
**Excerpt:** At Frankfurt Digital Finance Objectway’s CEO & Founder, Luigi Marciano, shared his vision for how technology drives transformation in European wealth management.
**Content:**
###### FEB 23, 2026
# From Vision to Platform: An Entrepreneurial Blueprint for Building a Pan-European WealthTech Leader
[Marianna Vilardi](https://www.linkedin.com/in/marianna-vilardi-1bb057163/)
Communication Specialist, Objectway
About Objectway
[\#Businessdevelopment](/businessdevelopment/)[\#CeoTalk](/ceotalk/)[\#ClientExperience](/clientexperience/)[\#Offeringevolution](/offering-evolution/)[\#OneObjectway](/one-objectway/)
Frankfurt Digital Finance just concluded, and Objectway’s CEO & Founder, Luigi Marciano, shared his vision for how technology drives meaningful transformation in European wealth management. Highlighting the lessons from decades of innovation and 35+ years building and growing Objectway, he shared a journey that has rarely been a straight line, but one that has consistently created real value for our clients and our people.
The Platform Model: Driving Market Agility and Growth since 1990
*“When I set out on the entrepreneurial journey that is now Objectway, I didn’t have a detailed roadmap, a fixed vision, or a finished product,” Luigi explains. “What I did have was a belief – a working thesis that banking and wealth management were about to undergo profound change, and that technology would move from a supporting function to the engine driving that transformation.”*
At the time, the industry was highly fragmented. Systems were siloed, processes manual, and digitalization often a superficial layer on top of legacy structures. Institutions needed more than another tool, surely powerful, but ultimately limited. They needed efficiency improvements, and new business models. They needed a Platform. Integrated and scalable.
A platform designed around their needs.
A platform that treats increasing regulation as a design parameter, not an obstacle.
A platform flexible enough to evolve alongside every technological wave, leveraging powerful accelerators – cloud, APIs, crypto, AI -, delivering real, measurable value.
*“That’s why our strategy has always centred on a Platform model—end-to-end in scope, modular in structure, and pan-European in reach. Not a static product, but a growing ecosystem that turns technology into meaningful impact and enables true business innovation, not just adoption.”*
Building Scale, Scope, and Trust across Europe
Fragmented markets, multiple regulatory regimes, and diverse client models often lead European financial services to be described as too complex to scale – a view widely shared across the industry.
Yet *“For us, complexity was never a constraint, it was a design brief. We saw it as an opportunity to create something unique, so we built Objectway around clear design pillars.”*
Those pillars rest on three fundamental principles: scale, scope, and risk reduction. Scale creates economic resilience — and for us, it has never meant growth for its own sake. It has been built patiently through long-term partnerships with leading institutions across Europe and strengthened through targeted acquisitions that were fully integrated into ONE platform and ONE operating model. This approach brings us closer to our clients and providing local technology capabilities, people on the ground, and deep market expertise. Because acquiring companies is a transaction; integrating them is leadership. And real scale only exists when technology, culture, expertise, and client insight operate as one.
Scope creates client value. Serving the entire European banking, wealth, and asset management ecosystem requires breadth without fragmentation. Our answer is personalisation at scale: a robust, industrialised core platform combined with a Solution-as-a-Service delivery model that adapts to each institution’s business model, customer experience, and operating structure. The core remains scalable; the solutions evolve around client differentiation.
Risk reduction is embedded by design. A unified operating model, a single inclusive culture — One Objectway — and an industrialised platform architecture reduce operational and regulatory complexity across markets.
*“Our success in Europe comes from our ability to enable our clients’ core business over time and across countries, continuously delivering and evolving our solutions and earning their long-term trust. Acting locally, while building a global, scalable Platform and Organisation powered by our people. This is the recipe!”*
The Real Founder’s Path: Iteration over Straight Lines, towards the next phase of growth
*“The journey was never straight,” Luigi reflects. “There were phases of rapid growth, consolidation, regulatory shifts, and technology disruptions. Vision looks linear in hindsight, but really, it’s a series of adjustments guided by a steady north star. Ours has always been to continue evolving our platform for our Private Banking, Wealth, and Asset Management clients.”*
Europe needs independent technology partners for financial institutions — partners who understand regulation, master scale, and deliver innovation. Platforms that don’t just replace systems but expand possibilities. Today, Objectway is a European WealthTech champion, ready to scale, accelerated by our recent partnership with Cinven, contributing with global experience, investment capacity, and a strong track record in scaling businesses sustainably.
*“This partnership is not just about investment; it’s about shared vision: creating long-term value for clients, people, culture, and society, driven by strong teams, innovation, and disciplined execution.”*
Among the many lessons from this journey, one definitely stands out: entrepreneurship is not about predicting the future, but rather about building structures where the future can emerge.
**RELATED POST**
About Objectway
### Grafting Innovation, Cultivating Success: Scaling Growth at OWIN26
[](https://objectway.com/grafting-innovation-cultivating-success-scaling-growth-at-owin26/)
Digital Transformation
### Embracing Banking Megatrends: Insights from MoneyLive Conference and the Path to Composable Transformation
[](https://objectway.com/embracing-banking-megatrends-and-the-path-to-modular-transformation/)
artificial intelligence
### The use of AI and effective Data Management
[](https://objectway.com/pam-digital-report-2024-the-use-of-ai-and-effective-data-management/)
**Categories:** #BusinessDevelopment, #CeoTalk, #ClientExperience, #Offeringevolution, #OneObjectway, About Objectway, Blog
---
### [Artificial Intelligence Building a Composable Data & AI Ecosystem: Objectway and BEI on Driving Value Creation](https://objectway.com/building-composable-data-and-ai-ecosystem-objectway-and-bei-drive-value-creation/)
**Published:** February 16, 2026
**Author:** Beatrice Scotti
**Excerpt:** As part of its collaboration with the Business Engineering Institute St. Gallen (BEI), Objectway hosted a one-day workshop on “Value Creation from Data & AI”.
**Content:**
###### Feb 16, 2026
# Building a Composable Data & AI Ecosystem: Objectway and BEI on Driving Value Creation
[Miroslav Petrov ](https://www.linkedin.com/in/miroslav-petrov-055a5267/)
Product Director and Investment Compliance expert at Objectway
Artificial Intelligence
- [ENG](#tab-1771250387482-7)
- [FR](#tab-1771250387497-7)
[\#Artificialintelligence](/artificial-intelligence/)[\#Automation](/automation/)[\#Businessdevelopment](/businessdevelopment/)[\#Scalability](/scalability)
As part of its ongoing collaboration with the Business Engineering Institute St. Gallen (BEI), Objectway hosted a one-day workshop on “Value Creation from Data & AI” at its Milan headquarters in January 2026. The session brought together product, technology, and business experts from across Objectway, working alongside the BEI team to develop a shared understanding of Data & AI and to explore how strategic initiatives can be translated into practical, scalable, and measurable outcomes.
The workshop was based on BEI’s applied research within the Competence Center for Future Financial Services. BEI’s perspective is pragmatic and execution-focused, positioning AI as an enabler, with lasting value creation from data as the core objective. Rather than starting from tools or models, the focus is on understanding business problems, identifying relevant data assets, and systematically evaluating which initiatives are worth pursuing and scaling within real-world constraints such as regulation, governance, and operational complexity.
As organizations accelerate data-driven and AI-related digital transformation and move from experimentation to enterprise-wide adoption, expectations continue to rise. Yet progress can remain fragmented without a consistent foundation. A common challenge for many organizations is establishing a shared language for defining Data & AI across functions—an essential step toward stronger alignment, coordinated execution, and effective scaling. Achieving this goes beyond technology adoption and requires shared concepts, structured methods, and a clear link between strategy and execution.
The agenda combined research insights with practical application, applying structured approach to support use case definition and portfolio assessment. The Data Value Creation Matrix and its associated ideation patterns provide an established framework to identify and evaluate data-driven value opportunities, enabling systematic use case development and targeted gap analysis across the organization. The Assessment Framework provides a portfolio-based approach to evaluating initiatives across desirability, feasibility, viability, and corporate framing parameters, including ethics and regulatory alignment.
The workshop was structured into two main phases: use case ideation and use case assessment, each combining a concise theoretical introduction with collaborative group work. Participants were divided into heterogeneous teams, ensuring a balanced mix of AI specialists, IT experts, and business professionals. This format enabled discussions that bridged strategic intent, technical feasibility, and operational impact, while fostering a shared language across disciplines.
Across the ideation phase, a range of themes emerged, reflecting both operational and strategic priorities. Several items focused on process efficiency and operational resilience, including intelligent automation of recurring activities and faster onboarding through data-driven configuration. Other topics focused on strengthening decision support and organizational insight by consolidating fragmented data signals into structured, actionable intelligence for workforce management and operational governance.
A further set of areas highlighted the foundational capabilities required to scale Data & AI initiatives. A unified, cross-product data platform was consistently identified as a prerequisite for reliable analytics, integration, and API readiness, reducing data silos and reconciliation overhead. Building on this foundation, enterprise-wide data sharing and decision support enable richer, context-aware views and more timely actions.
Client-facing differentiation was reflected in AI-driven personalization, aimed at increasing relevance, engagement, and trust across digital interactions. Additional discussions explored controlled cross-application orchestration and platform capabilities enabling clients to develop and deploy models on their own data within a scalable operational architecture.
In the assessment phase, participants applied BEI’s framework to evaluate and prioritize the identified themes. The discussions and final assessment confirmed strong interdependencies across initiatives. A clear message emerged: the highest-value use cases are those that build on shared data foundations and consistent governance, enabling interconnected capabilities and composable applications to scale within an evolving ecosystem.
Overall, the workshop demonstrated the strength of combining research-based methods with Objectway’s delivery expertise. By establishing a shared language for Data & AI and applying structured research frameworks to real challenges, Objectway reinforced its ability to translate this ambition into scalable, value-driven capabilities, supporting operational excellence, differentiated client experiences, and long-term competitiveness in financial services.
[\#Artificialintelligence](/artificial-intelligence/)[\#Automation](/automation/)[\#Businessdevelopment](/businessdevelopment/)[\#Scalability](/scalability)
Vers un écosystème Data & IA composable : Objectway et le BEI au cœur de la création de valeur
Dans le cadre de sa collaboration continue avec le Business Engineering Institute St. Gallen (BEI), Objectway a organisé en janvier 2026 un atelier d’une journée intitulé « Création de valeur à partir des Données et l’IA » dans ses locaux à Milan. Cette session a réuni des experts produits, technologiques et métiers issus de l’ensemble du Groupe, aux côtés de l’équipe du BEI, afin de développer une compréhension commune des enjeux liés aux données et à l’intelligence artificielle et d’examiner comment des priorités stratégiques peuvent être traduites en résultats concrets, mesurables et évolutifs.
L’atelier s’est appuyé sur les travaux de recherche appliquée du BEI au sein du Competence Center for Future Financial Services. L’approche est pragmatique et orientée exécution : l’IA est considérée comme un levier, tandis que la création de valeur durable à partir des données constitue l’objectif central. Plutôt que de partir des outils ou des modèles technologiques, les échanges se sont concentrés sur les enjeux métiers, l’identification des domaines de données pertinents et l’évaluation structurée des initiatives à fort potentiel, dans un environnement marqué par des contraintes réglementaires, de gouvernance et de complexité opérationnelle.
Alors que les organisations accélèrent leur transformation numérique fondée sur les données et l’IA et passent de phases d’expérimentation à des déploiements à l’échelle de l’entreprise, les attentes s’intensifient. Toutefois, la progression peut rester hétérogène en l’absence de fondations cohérentes. L’un des enjeux clés consiste à établir un langage commun pour définir et structurer les initiatives Données et IA au sein des différentes fonctions, condition indispensable à un meilleur alignement, à une exécution coordonnée et à une scalabilité maîtrisée. Cette évolution dépasse la simple adoption technologique : elle suppose des principes partagés, des méthodes structurées et un lien clair entre stratégie et mise en œuvre.
Le programme a combiné apports méthodologiques et mise en pratique. La Data Value Creation Matrix et ses modèles d’idéation ont fourni un cadre éprouvé pour identifier et évaluer les opportunités de création de valeur à partir des données, facilitant un développement systématique des cas d’usage et une analyse des objectifs et des écarts. Par ailleurs, l’Assessment Framework a permis d’adopter une approche portefeuille, évaluant les propositions selon leur désirabilité, leur faisabilité, leur viabilité ainsi que leur conformité aux exigences de gouvernance, d’éthique et de réglementation.
L’atelier s’est articulé en deux phases principales : l’idéation des cas d’usage et leur évaluation. Les participants, répartis en équipes pluridisciplinaires, ont combiné expertises IA, IT et métiers. Cette organisation a favorisé des échanges à la croisée des ambitions stratégiques, des contraintes techniques et des impacts opérationnels, tout en renforçant une compréhension transversale des enjeux.
La phase d’idéation a permis d’identifier plusieurs axes structurants, couvrant à la fois des priorités opérationnelles et des leviers stratégiques. Certains se sont concentrés sur l’efficacité des processus et la résilience opérationnelle, notamment l’automatisation intelligente d’activités récurrentes ou l’accélération de l’onboarding grâce à des configurations appuyées par la donnée. D’autres ont porté sur le renforcement des capacités d’aide à la décision et de pilotage organisationnel, via la consolidation de signaux dispersés en informations structurées et exploitables pour la gestion des équipes et la gouvernance opérationnelle.
Un autre ensemble d’axes a mis en évidence les capacités fondamentales nécessaires au passage à l’échelle. La mise en place d’une plateforme de données, unifiée et collaborative, a été identifiée comme un prérequis pour garantir la fiabilité des analyses, l’intégration des systèmes et la préparation aux interfaces API, tout en réduisant les silos et les efforts de réconciliation. Sur cette base, le partage des données à l’échelle de l’entreprise et les dispositifs d’aide à la décision permettent d’obtenir des vues enrichies et contextualisées, favorisant des actions plus pertinentes et plus rapides.
La différenciation vis-à-vis des clients s’est traduite par des réflexions autour de la personnalisation pilotée par l’IA, visant à accroître la pertinence, l’engagement et la confiance dans les interactions digitales. D’autres discussions ont exploré l’orchestration contrôlée de processus transverses aux applications ainsi que des capacités de plateforme permettant aux clients de développer et de déployer leurs propres modèles sur leurs données, au sein d’une architecture opérationnelle scalable.
Lors de la phase d’évaluation, les participants ont appliqué le cadre méthodologique afin d’analyser et de hiérarchiser les axes identifiés. Les échanges ont confirmé de fortes interdépendances entre les initiatives. Un constat s’est imposé : les cas d’usage à plus forte valeur sont ceux qui reposent sur des fondations de données partagées et une gouvernance cohérente, permettant à des capacités interconnectées et à des applications composables de croître au sein d’un écosystème en évolution.
En définitive, cet atelier a illustré la complémentarité entre une approche méthodologique issue de la recherche et l’expertise opérationnelle d’Objectway. En structurant un langage commun et en appliquant des méthodes éprouvées à des enjeux concrets, Objectway a renforcé sa capacité à transformer une ambition stratégique en solutions évolutives et créatrices de valeur, au service de l’excellence opérationnelle, de l’expérience client et de la compétitivité durable dans les services financiers.
**RELATED POST**
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### Objectway at the BEI Workshop on Data and Hyperautomation – Turning technological innovation into practical and sustainable strategies
[](https://objectway.com/artificial-intelligence-objectway-at-the-bei-workshop-on-data-and-hyperautomation-turning-technological-innovation-into-practical-and-sustainable-strategies/)
Artificial Intelligence
### Balancing Innovation and Trust: AI’s Role in Future Advisory Workflows
[](https://objectway.com/balancing-innovation-and-trust-ai-role-in-future-advisory-workflows/)
Innovation
### How will Innovation impact the future of Wealth Management?
[](https://objectway.com/the-impact-of-innovation-and-technology-on-wealth-management/)
**Categories:** #ArtificialIntelligence, #Automation, #BusinessDevelopment, #Scalability, Artificial Intelligence, Blog
---
### [Frankfurt Digital Finance Conference 202611th - 12th February 2026](https://objectway.com/frankfurt-digital-finance-conference-2026/)
**Published:** February 9, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** The Frankfurt Digital Finance connects key participants in the European digital finance ecosystem.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Frankfurt Digital Finance Conference 2026
11th – 12th February 2026 – With the compelling motto “Europe, Seize the Moment!” this leading international conference brings together 1,500 top executives from banks, investors, FinTech entrepreneurs, policy makers, regulators, and academics, tackling the key trends and challenges shaping the financial industry in Europe.
## Agenda
Wednesday 11th – Thursday 12th February 2026
5:30 PM
Creating the European Momentum: The Future of Finance
Luigi Marciano, Founder & CEO, Objectway
Karl im Brahm, CEO DACH Region, Objectway
The financial landscape is undergoing a profound transformation, driven by digital acceleration and evolving investor expectations. To stay ahead of these shifts, we are pleased to invite you to join Objectway at the upcoming Frankfurt Digital Finance conference to be held in Frankfurt on 11th and 12th February.
We are excited to participate this year following a significant milestone in our corporate journey. As recently announced, Objectway has accelerated its growth path through a strategic investment from Cinven. This partnership marks a new chapter, reinforcing our ability to deliver cutting-edge solutions and expanding our footprint as a global leader in the financial software industry.
On **Wednesday, February 11th**, we invite you to attend a high-level interview featuring our **Founder & CEO, Luigi Marciano**. During this session, Luigi will provide unique insights into:
- The **strategic vision** behind the partnership with Cinven.
- How this investment will accelerate our product roadmap and **innovation capabilities.**
- The **tangible advantages for our clients**, ensuring long-term stability and best-in-class technology for Wealth and Asset Managers.
This event stands as a premier forum for industry leaders, enabling exchange of ideas and foster collaboration.
For more information about the agenda, speakers and tickets visit and secure your place today!
## Event Information
Wednesday, 11 February 2026 – Thursday, 12 February 2026, Gesellschaftshaus Palmengarten, Entrance: Palmengartenstrasse 1160323, Frankfurt/Main
We’re looking forward to meeting you in Frankfurt!
## Speakers
Luigi Marciano
Luigi is Objectway Founder & CEO. As visionary entrepreneur, he has dedicated his career to power the investment service business by technology innovation. He has successfully consolidated Objectway’s leadership in the wealth and asset management industry internationally, creating a technology platform, which enables customers to digitally evolve their business. His main goal today is to create and implement new ways to reduce complexity and timing of digital transformation. Luigi holds a Master’s Degree in Nuclear Engineering from the University of Pisa.
Karl im Brahm
Karl leads the German-speaking Private Banking and Wealth Management Markets as Objectway CEO DACH Region and Banking Practice Leader. He brings more than 28 years of experience in the Banking Sector, with with a deep-rooted experience in delivering digital transformation projects and supervising Client Management and Business Development teamworks. He has gained a Business Degree from University of Bonn in 1993.
## Related
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8 July 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
Yes, I want to receive updates about Objectway events and products. I have read and agree with the [Privacy Policy & Terms of Use]()
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**Categories:** Event
**Tags:** #digitaltransformation, #investmentmanagers, #oneobjectway, #wealth-management
---
### [About Objectway Grafting Innovation, Cultivating Success: Scaling Growth at OWIN26](https://objectway.com/grafting-innovation-cultivating-success-scaling-growth-at-owin26/)
**Published:** February 10, 2026
**Author:** Beatrice Scotti
**Excerpt:** Innovation Built to Scale: Seize the opportunity to graft innovation into your business, building scalable growth at Objectway Customer Conference in 2026.
**Content:**
###### FEB 10, 2026
# Grafting Innovation, Cultivating Success: Scaling Growth at OWIN26
[Maria Federica Marciano](https://www.linkedin.com/in/maria-federica-marciano-bb0b4215a/)
Chief Marketing & People Officer, Objectway
About Objectway
[\#Businessdevelopment](/businessdevelopment/)[\#CeoTalk](/ceotalk/)[\#Customerconference](/customer-conference/)[\#OneObjectway](/one-objectway/)[\#OWIN](/owin/)[\#SustainableInnovation](/sustainable-innovation/)
Innovation never happens in isolation and does not scale by chance. It thrives where strong foundations meet the ambition to evolve, where vision intersects with structure, and where new ideas are carefully cultivated so they can endure, adapt, and grow.
In 2026, Objectway Customer Conference returns with a new chapter of this journey. Three years after our landmark edition in Venice, OWIN moves south to Sorrento – a town perched between sea and sky along the Amalfi Coast UNESCO World Heritage site. Shaped by time, resilience, and the art of craftsmanship, Sorrento offers more than a backdrop. It tells a story of innovation.
OWIN26 will be once again more than a conference. A space created for our customers, to exchange perspectives and look ahead together. A place where market evolution, technology, and strategy intersect through open dialogue with peers, analysts, partners, and Objectway leaders.
Venice, in 2023, symbolised connection: bridges to overcome complexity, and enable long-term futures. Sorrento invites us to take the next step – to elevate and expand towards new horizons. Where Venice taught us how to build sustainable innovation, Sorrento challenges us to scale it.
Lessons from the Ovali di Sorrento
Walk around Sorrento and you’ll notice the lemons first: golden, slightly oval, seemingly ordinary. But a closer look reveals an innovative practice quietly at work.
For generations, Sorrento’s famed Ovali di Sorrento lemons have been cultivated using a grafting technique – one that physically unites two plants into a single, stronger organism. A lemon branch is carefully grafted onto the rootstock of a bitter orange tree. The orange provides strength and resilience; the lemon brings its aroma, flavour, and productivity. Together, they grow as one, producing fruit uniquely adapted to its environment: more resistant, more distinctive, more enduring.
It is, of course, a lesson in horticulture many may not know, but also a blueprint for meaningful innovation, tucked away where few would think to look.
It tells us that true growth is rarely about mere replacement. It is about integration, enhancement, and adaptation. New capabilities, operating models, modular infrastructures, and technological innovations achieve their full potential when they are thoughtfully grafted into existing systems, combining resilience with opportunity, tradition with transformation, and vision with execution.
Like the lemons of Sorrento, sustainable growth is carefully nurtured, and deliberately scaled, strengthening what already exists so something unique, robust, and future-ready can emerge.
Innovation, Built to Scale
For financial institutions, scaling is no longer defined by size alone. It is measured by value, agility and the capacity to adapt with purpose. Complexity continues to intensify as client expectations evolve, regulatory landscapes shift, and technology redraws the boundaries of possibility. Scaling effectively therefore demands a deliberate approach to innovation.
Increasingly, this means moving beyond a traditional provider model toward a partnership approach, grounded in a deep understanding of the organisation’s operating fabric and client reality.
Innovation cannot be imposed as an external layer. It must be grafted into the institution’s living system, extending existing strengths while allowing new capabilities to take root.
When growth is approached in this way, expansion does not erode identity. Institutions can increase reach without sacrificing the trust, nuance, and individuality that define client relationships. Technology and data serve not as engines of standardisation, but as tools for preserving relevance and personalisation, ensuring advisory models and service delivery remain tailored and client-centric even at scale.
Operationally, growth that is simply added on creates fragility; growth that is integrated into the core creates endurance. AI, modular architecture, and automation enable institutions to absorb complexity without proportionally increasing cost or risk, but their real value lies in how they are embedded within organisational behaviour. When technology adoption is paired with process evolution and cultural adaptability, operations become capable of learning, adjusting, and strengthening under pressure. Scale becomes a property of the system itself, not a strain placed upon it.
Still, no institution evolves in a vacuum. Flexible sourcing strategies, cloud-native infrastructure, and strategic partnerships allow institutions to accelerate innovation without surrendering strategic agency. Collaboration becomes a mechanism for co-evolution: institutions expand their optionality, respond faster to change, and deliver new experiences without rebuilding from scratch.
Through presentations, client testimonials, and expert insights from leading industry voices, OWIN26 will explore the framework for scaling innovation: a foundation designed to support multiple operating models, technologies, and architectures, to business success.
Seize the opportunity to graft innovation into your business, building scalable growth. Three days of exclusive insights, peer networking, meaningful connections – and our signature extraordinary experience! – to cultivate your business’ success.
Discover more: [OWIN26](https://objectway.com/owin26/)
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### Objectway International Customer Conference 2023: Ready, Steady, Go!
[](https://objectway.com/objectway-international-customer-conference-2023-ready-steady-go/)
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[](https://objectway.com/owin23/)
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**Categories:** #BusinessDevelopment, #OneObjectway, #Workspace, About Objectway, Blog
---
### [DORA, Daten, Durchgängigkeit - Eine strukturelle Herausforderung für Finanzinstitute](https://objectway.com/dora-daten-durchgangigkeit-eine-strukturelle-herausforderung-fur-finanzinstitute/)
**Published:** February 6, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Nach einem Jahr DORA ist klar: Die Verordnung entfaltet ihre Wirkung nicht durch Papier, sondern durch Praxis.
**Content:**
[](/news/)
View all News
# DORA, Daten, Durchgängigkeit – Eine strukturelle Herausforderung für Finanzinstitute
9\. Februar 2026 – Seit dem 17. Januar 2025 gilt der Digital Operational Resilience Act (DORA) verbindlich für Finanzinstitute in der EU. Doch erst 2026 wird deutlich, was die Verordnung in der Praxis bedeutet. Nach einem Jahr Aufbauarbeit, Registerpflege und Konzeptschreiben beginnt nun die Phase, in der Aufseher Wirksamkeit erwarten: belastbare Prozesse, getestete Resilienz und echte Transparenz über Abhängigkeiten. Besonders unter Druck geraten Institute mit fragmentierten IT-Landschaften. Warum DORA damit eine strukturelle Herausforderung für Finanzinstitute ist – und integrierte Front-to-Back-Architekturen und modulare Plattformmodelle zum entscheidenden Faktor werden.
Die europäische Finanzbranche steht 2026 im ersten vollen Jahr unter DORA-Aufsicht. Zwar ist der Digital Operational Resilience Act bereits seit dem 17. Januar 2025 anwendbar, doch das vergangene Jahr war vielerorts von Orientierung geprägt: Institute haben Register aufgebaut, Richtlinien formuliert, Zuständigkeiten definiert und bestehende Anforderungen konsolidiert. Das war notwendig, aber es war der leichtere Teil.
2026 beginnt die Phase, in der Aufseher nicht mehr nur Strukturen sehen wollen, sondern Belastbarkeit. Damit verschiebt sich der Fokus: weg von der Frage, ob etwas dokumentiert ist, hin zu der Frage, ob es im Ernstfall funktioniert. DORA ist kein Projekt mit Enddatum, sondern ein dauerhaftes Aufsichtsregime mit laufenden Prüf-, Melde- und Testpflichten. Gerade deshalb wird jetzt sichtbar, welche Institute regulatorische Resilienz tatsächlich operationalisiert haben – und welche sich auf formale Compliance verlassen haben.
Fragmentierte IT wird zum regulatorischen Risiko
Inhaltlich ist DORA keine reine IT-Verordnung. Sie adressiert Governance, Risikomanagement, Incident-Handling, Resilienz-Testing und den Umgang mit IKT-Drittanbietern über alle Geschäftsbereiche hinweg. Genau hier trifft sie viele Institute an einer empfindlichen Stelle. In der Praxis sehen wir nach wie vor stark fragmentierte Front-, Middle- und Back-Office-Landschaften. Prozesse sind über mehrere Systeme verteilt, Daten werden redundant gehalten, Verantwortlichkeiten verlaufen entlang historischer Silos. Solange der regulatorische Fokus punktuell war, ließ sich diese Komplexität verwalten. DORA ändert das. Denn Resilienz lässt sich nur dort nachweisen, wo Abhängigkeiten transparent sind. Relevant werden drei Fragen: Welche Systeme sind für kritische Geschäftsprozesse relevant? Wie wirken sich Ausfälle entlang der Prozesskette aus? Welche Drittanbieter sind eingebunden – und wie substituierbar sind sie? Gerade an den Schnittstellen entstehen Risiken. Wo Systeme nicht sauber integriert sind, wird Incident-Analyse schwierig, Testing aufwendig und Steuerung unscharf. Fragmentierung wird damit nicht nur zum Effizienz-, sondern zum aufsichtsrechtlichen Problem.
SaaS und BPaaS bedeuten Resilienz im Betriebsmodell
DORA macht auch deutlich: Operative Resilienz ist nicht nur eine Frage der Technologie, sondern des Betriebsmodells. Software-as-a-Service (SaaS) und Business-Process-as-a-Service (BPaaS) gewinnen vor diesem Hintergrund an strategischer Relevanz. Insbesondere BPaaS ermöglicht es, Prozesse standardisiert, automatisiert und resilient zu betreiben. Das schafft klare Verantwortlichkeiten, definierte SLAs und eine bessere Steuerbarkeit. Dies gilt jedoch nur, wenn Institute über die gesamte Prozesskette hinweg volle Transparenz und Kontrolle behalten – von Datenflüssen und Sicherheitskontrollen bis hin zu Incident-Management und Exit-Szenarien. In diesem Zusammenhang wird die Fähigkeit, auf vertrauenswürdige Partner mit nachweisbaren Governance- und Kontrollmechanismen zurückzugreifen, entscheidend. DORA entbindet Institute demnach nicht von ihrer Verantwortung, auch wenn kritische Drittanbieter künftig einer strengeren Aufsicht unterliegen. Klar definierte, integrierte Servicemodelle spielen daher eine zentrale Rolle, um Risiken zu bewerten, Kontrolle sicherzustellen und regulatorische Anforderungen konsistent zu erfüllen.
2026 ist der Wendepunkt von formaler Compliance zu gelebter Resilienz
Nach einem Jahr DORA ist klar: Die Verordnung entfaltet ihre Wirkung nicht durch Papier, sondern durch Praxis. 2026 wird zum Jahr, in dem sich entscheidet, welche Institute operative Resilienz tatsächlich beherrschen. DORA zwingt Unternehmen, ihre Architektur- und Betriebsentscheidungen neu zu bewerten. Nicht als regulatorische Pflichtübung, sondern als strategische Grundlage für Stabilität, Skalierung und Wettbewerbsfähigkeit. Front-to-Back-Integration, modulare Architekturen und servicebasierte Modelle sind dabei keine Schlagworte, sondern konkrete Antworten auf eine veränderte Aufsichtspraxis. Wer sie jetzt konsequent umsetzt, wird DORA nicht nur bestehen – sondern gestärkt daraus hervorgehen.
Nach einem Jahr DORA ist klar: Die Verordnung entfaltet ihre Wirkung nicht durch Papier, sondern durch Praxis. 2026 wird zum Jahr, in dem sich entscheidet, welche Institute operative Resilienz tatsächlich beherrschen.
[](https://www.linkedin.com/in/karl-im-brahm/)### Karl im Brahm
CEO DACH Region, Objectway
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
Yes, I want to receive updates about Objectway events and products. I have read and agree with the [Privacy Policy & Terms of Use]()
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**Categories:** Article
**Tags:** #artificialintelligence, #efficiency, #financialservices, #operationalefficiency, #privatebanking, #regulation
---
### [Codemotion Milan Conference 202514 - 15 Ottobre 2025](https://objectway.com/codemotion-milan-conference-202514-15-ottobre-2025/)
**Published:** October 4, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Preparati a incontrare Objectway e i nostri esperti per creare nuove connessioni. Iscriviti oggi alla nuova edizione del Codemotion Conference 2025.
**Content:**
[](/news/)
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# Codemotion Milan Conference 2025
14 – 15 Ottobre 2025 – Preparati a incontrare Objectway e i nostri esperti per creare nuove connessioni. Unisciti a noi e scopri i vantaggi di una grande community: non perdere l’occasione di crescere, entrare in contatto con i protagonisti del settore e lasciarti ispirare dalla forza e dalla passione di speaker e leader tecnologici che credono nel potere dell’innovazione.**[Clicca qui](https://conferences.codemotion.com/milan2025/?_gl=1%2a175b5w2%2a_up%2aMQ..%2a_gs%2aMQ..%2a_ga%2aMTM2MjYyMjM5OC4xNzU2OTgxNjkx%2a_ga_52S30H0VCG%2aczE3NTY5ODE2OTEkbzEkZzEkdDE3NTY5ODI0NjEkajUwJGwwJGgw%2a_ga_C9WPJMT5LH%2aczE3NTY5ODE2OTEkbzEkZzEkdDE3NTY5ODI0NjEkajUwJGwwJGgw&gclid=Cj0KCQjw8eTFBhCXARIsAIkiuOz-tcsYGLJ0yCia9I2XNLt6ssPuyFDoexcJ-TkvzLCyYQCNze0Dvh8aApugEALw_wcB&gbraid=0AAAAADiasmkDDomUf4OlIR21Ja6ZAwH1r#brxe-ittipm)** e registrati ora!
## Grazie per aver partecipato!
Siamo entusiasti di aver condiviso con voi l’edizione 2025 del Codemotion. Grazie per essere stati con noi e per aver colto l’occasione di conoscere più da vicino il mondo Objectway. Porta a bordo il tuo talento: il tuo viaggio inizia qui. Scopri le nostre posizioni aperte e candidati subito!
[JOB OPPORTUNITIES](https://careers.objectway.com/careers-open-job-positions/)[OUR CULTURE](/our-culture/)
## Agenda
Mercoledì 15 Ottobre 2025, Gate 7
11:30 – 12:15
Costruire piattaforme: Dalla visione alla realtà
[Michele Danieli, Architecture & Technology Director, Objectway Group](https://www.linkedin.com/in/mchdnl/)
[Samuele Piuri, Software Architect, Objectway Group](https://www.linkedin.com/in/samuele-piuri/)
In un’era dove velocità ed efficienza contano, le aziende si affidano sempre più alle piattaforme tecnologiche per aumentare la produttività. In OW queste piattaforme – a livello business, applicativo e tecnico – sono un pilastro.
La nostra piattaforma offre servizi agli istituti finanziari con funzionalità ampie e modelli operativi flessibili.
Racconteremo il nostro percorso verso un approccio sostenibile, a supporto dei team di sviluppo e operation nello sviluppo della piattaforma MIDA.
Partiremo dalla definizione degli obiettivi per tradurli in una platform tecnica capace di erogare e gestire soluzioni. Esploreremo l’uso di metafore e modelli mentali che ci hanno aiutato a trasformare la strategia in architettura reale, evitando i rischi dell’imitazione.
Scopriremo come una piattaforma ben progettata può essere molto più di una tecnologia: un ecosistema vivo che connette persone, processi e strumenti. A volte, scegliere di non fare qualcosa è la decisione più strategica. Stay Tuned!
## Event Information
14 – 15 Ottobre 2025, MalpensaFiere, Via XI Settembre, 16, 21052 Busto Arsizio VA
Non vediamo l’ora di incontrarti a Milano!
## Speakers
Michele Danieli
Michele is Architecture and Technology Director at Objectway for the Financial Advisory Tribe. After starting his career in a garage building software for telcos, he held technical and managerial roles. He still loves to build things in the engine room and counters architecture dogmatism with his tag line Architecture must be Useful not only True.
## Related
[All](#)[\#digital-change](#)[\#digital-transformation](#)[\#wealth-management](#)[\#wealthtech](#)
[„Deutschland ist noch etwas altmodisch unterwegs“](https://objectway.com/abn-amro-und-hauck-aufhauser-lampe-fusionieren-zur-drittgrosten-privatbank-deutschlands/)[Article](https://objectway.com/category/article-genitore/article-glo/)### „Deutschland ist noch etwas altmodisch unterwegs“
4 August 2026
[Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen](https://objectway.com/skalierungslucke-warum-ki-investitionen-an-der-kundenschnittstelle-verpuffen/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen
4 August 2026
[OWIN26: as-a-service e AI per trasformare la complessità in efficienza](https://objectway.com/owin26-as-a-service-e-ai-per-trasformare-la-complessita-in-efficienza/)[Article](https://objectway.com/category/article-genitore/article-glo/)### OWIN26: as-a-service e AI per trasformare la complessità in efficienza
8 July 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** HR Events
**Tags:** #digitaltransformation, #softwaredevelopment, #technology
---
### [Leaders in Finance - Wealth Management Lunch23rd January 2026](https://objectway.com/leaders-in-finance-wealth-management-lunch/)
**Published:** January 20, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Let's connect at next Leaders in Finance Wealth Management Lunch. Objectway's Conference Delegates will be happy to meet you and discuss the future of finance.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Leaders in Finance – Wealth Management Lunch
23rd January 2026 – Objectway partners with Leaders in Finance for one of its high-level lunches, focused on key financial sector themes. Join us!
## Agenda
Friday, 23rd January 2026
Wealth Management Lunch
Kurt Vanhee, League Managing Director, Objectway
Jos Martens, Senior Business Development Manager, Objectway
Leaders in Finance Wealth Management Lunch is the unmissable opportunity to bring the financial professionals in the Wealth Management space together and encourage knowledge sharing and sharing of best practices.
Building on the success of Leaders in Finance events, these lunches provide an even more personal and more exclusive setting to foster new relationships, strengthen existing ones and engage with influential speakers who inspire fresh perspectives and challenge the status quo.
**Kurt Vanhee, League Managing Director,** and **Jos Martens, Senior Business Development Manager** from Objectway, will be glad to share insightful conversations to boost your business’s growth, exploring the ongoing revolution reshaping the world of wealth management.
[Want to explore how we can benefit your organizational goals? We’re happy to meet and discuss opportunities. Join the conversation](https://www.leadersinfinance.nl/leaders-in-finance-lunches/#formulier): we’re looking forward to meeting you in Brussels!
## Event Information
Friday, 23rd January 2026, Brussels
## Conference Delegates
Kurt Vanhee
With a professional career of nearly 30 years in various roles in large and medium size banking and IT organizations, Kurt has built a strong knowledge of Wealth Management, IT, Customer Delivery and Business Development activities in an international environment. In his current position at Objectway, as Managing Director Continental Europe & North America, he encourages a customer-centric approach.
Jos Martens
Jos has been working for Objectway since 2006 in a number of international business development, sales and partner management roles. Today he is the Objectway Sales and Business Development Director with a focus on Benelux, Nordics and Iberia territories. In his current role, Jos helps wealth managers, private bank and asset managers, ranging from global T1 institutions to regional Family offices and wealth managers, in their pursuit of the further digitalization of their business processes and their interaction with their clients/investors. With his extensive experience, he is an advisor to both IT and business stakeholders for our clients and prospects.
## Related
[All](#)[\#financial-planning](#)[\#financialservices](#)[\#oneobjectway](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Event
**Tags:** #financialinstitutions, #financialservices, #oneobjectway, #privatebanking, #sustainability, #sustainableinnovation, #technology
---
### [Data & AI Use Case Ideation and Portfolio Selection Workshop20th January](https://objectway.com/data-ai-use-case-ideation-and-portfolio-selection-workshop/)
**Published:** January 15, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway and BEI invite you to an exclusive workshop focused on strategic value creation through Data and AI, transforming cutting-edge research into actionable business results.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Data & AI Use Case Ideation and Portfolio Selection Workshop
20th January 2026 – Objectway and BEI partner for an exclusive workshop focused on strategic value creation through Data and AI, transforming cutting-edge research into actionable business results.
## Agenda
Tuesday, 20th January 2026
Data & AI Use Case Ideation and Portfolio Selection Workshop
Dr. Stefanie Auge-Dickhut, head of the Competence Center “Future Financial Services”, BEI Business Engineering Institute St. Gallen
Nick Kakuschke, Research Associate & PhD Candidate, BEI Business Engineering Institute St. Gallen
Objectway deepens its collaboration with the Business Engineering Institute (BEI) St. Gallen, within the Competence Center for Future Financial Services, by hosting a strategic workshop that blends cutting-edge research with practical expertise. By combining Objectway’s leadership in financial software with BEI’s academic excellence, the session and partnership unlock a distinctive pathway to transform data into measurable competitive advantage.
In a landscape where over 40% of companies are deploying AI but few have a clear roadmap, this workshop provides the “how-to” for sustainable value creation. We move beyond the hype to focus on three research-backed solution blueprints:
- **Data Strategy Architecture**: A holistic approach to align technology, organization, and corporate culture.
- **Data Value Creation Matrix**: A systematic tool to identify opportunities, from internal efficiency to new information-based products.
- **Portfolio Selection Framework**: A multi-dimensional assessment method to prioritize AI use cases based on feasibility and strategic impact.
Our framework categorizes and ranks Data and AI initiatives, identifying high-potential use cases that are not only technologically feasible but also strategically essential for long-term growth. Bridging the gap between vision and execution.
## Event Information
Tuesday, 20th January 2026, Objectway, Via Giovanni da Procida, 24, Milan
## Speakers
Dr. Stefanie Auge-Dickhut
Dr. Stefanie Auge-Dickhut is the Head of the Competence Center “Future Financial Services “ at BEI St. Gallen. She stands for the consistent combination of applied research and entrepreneurial implementation in the financial sector.
Her focus is on customer-centric financial services design, the influence of innovative technologies on the strategic orientation of banks, and collaborative service creation in networks. Her professional experience includes positions at Ernst & Young & UniCreditGroup (focus M&A) and the development of innovative banking courses at a Swiss university of applied sciences. She is keynote speaker, lecturer, author, board & jury member.
Nick Kakuschke
Nick Kakuschke is a PhD candidate in Information Systems at the University of St. Gallen (HSG) focusing on strategic value creation from data and AI. As part of his research in the Competence Center Future Financial Services, he developed practical tools for designing data strategies, ideating innovative use cases, and prioritizing a strategic initiative portfolio, which have already been applied in several companies. In parallel, he works as a Research Associate & Consultant at the Business Engineering Institute St. Gallen, where he has conducted various management consulting projects in the financial services industry. Drawing on this experience, he bridges academic research and practical implementation.
## Related
[All](#)[\#digital-change](#)[\#digital-transformation](#)[\#wealth-management](#)[\#wealthtech](#)
[„Deutschland ist noch etwas altmodisch unterwegs“](https://objectway.com/abn-amro-und-hauck-aufhauser-lampe-fusionieren-zur-drittgrosten-privatbank-deutschlands/)[Article](https://objectway.com/category/article-genitore/article-glo/)### „Deutschland ist noch etwas altmodisch unterwegs“
4 August 2026
[Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen](https://objectway.com/skalierungslucke-warum-ki-investitionen-an-der-kundenschnittstelle-verpuffen/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen
4 August 2026
[OWIN26: as-a-service e AI per trasformare la complessità in efficienza](https://objectway.com/owin26-as-a-service-e-ai-per-trasformare-la-complessita-in-efficienza/)[Article](https://objectway.com/category/article-genitore/article-glo/)### OWIN26: as-a-service e AI per trasformare la complessità in efficienza
8 July 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Event
**Tags:** #artificialintelligence, #digitaltransformation, #investmentmanagers, #oneobjectway
---
### [KI-Boom in Europa: Deutsche Banken geraten ins Hintertreffen](https://objectway.com/ki-boom-in-europa-deutsche-banken-geraten-ins-hintertreffen/)
**Published:** January 14, 2026
**Author:** Silvia Boccuzzi
**Excerpt:** Während Banken in Europa ihre IT-Budgets zunehmend auf Innovation und künstliche Intelligenz ausrichten, bleiben deutsche Institute zurückhaltend.
**Content:**
[](/news/)
View all News
# KI-Boom in Europa: Deutsche Banken geraten ins Hintertreffen
14\. Januar 2026 – Während Banken in Europa ihre IT-Budgets zunehmend auf Innovation und künstliche Intelligenz ausrichten, bleiben deutsche Institute zurückhaltend. Eine aktuelle Auswertung zeigt: Der Fokus liegt hierzulande vor allem auf Effizienz – mit möglichen Folgen für die Wettbewerbsfähigkeit.
Deutsche Banken drohen im europäischen Vergleich den Anschluss zu verlieren. Während Institute in Frankreich und Großbritannien ihre IT-Investitionen klar auf Innovation ausrichten, setzen deutsche Finanzdienstleister überwiegend auf Effizienzprogramme. Nur 13 Prozent betrachten Innovation als wichtigsten Treiber ihrer IT-Ausgaben, wie aktuelle Marktdaten zeigen.
Effizienz dominiert, Innovation bleibt Randthema
Der Blick auf die strategischen Prioritäten zeigt deutliche Unterschiede. In Deutschland nennen rund 63 Prozent der Entscheider Effizienzsteigerung als wichtigsten Treiber ihrer IT-Strategie. Digitale Plattformen sollen Prozesse automatisieren, Datenflüsse vereinheitlichen und Entscheidungswege beschleunigen.
In anderen Märkten steht dagegen die Entwicklung neuer digitaler Lösungen im Vordergrund. „Deutschland optimiert seine bestehende IT, während andere Märkte bereits in die nächste Generation digitaler Lösungen investieren“, sagt im Brahm. Aus seiner Sicht birgt dieser Ansatz Risiken, weil sich der Markt schneller entwickle, als viele Entscheider annähmen.
Wer frühzeitig in neue Technologien investiere, könne sich dagegen Wettbewerbsvorteile sichern.
Künstliche Intelligenz wird zum Branchenstandard
Besonders deutlich zeigt sich der Wandel bei künstlicher Intelligenz. Während Nachhaltigkeit und ESG an Bedeutung verlieren, rückt KI in den Mittelpunkt der IT-Strategien. 37 Prozent der europäischen Investmentmanager sehen die Implementierung von KI als wichtigste Aufgabe für 2026, während nur noch 16 Prozent ESG priorisieren.
Die wirtschaftlichen Effekte sind erheblich. KI ermöglicht es, große Datenmengen auszuwerten, Risiken schneller zu analysieren und Angebote stärker zu personalisieren. Studien zufolge lassen sich in zentralen Funktionen Einsparungen von 15 bis 20 Prozent erzielen.
Die Nutzung nimmt entsprechend zu. „Im Jahr 2025 haben knapp drei Viertel der europäischen Wealth Manager generative KI-Anwendungen getestet oder eingesetzt“, sagt im Brahm. Im Vorjahr lag dieser Wert noch bei 60 Prozent. Weitere 13 Prozent planen den Einstieg. „Künstliche Intelligenz verlässt endgültig das Experimentierstadium und wird zum Standard in der Finanzbranche.“
Altlasten und Regulierung bremsen den Fortschritt
Warum deutsche Banken dennoch zögern, sieht im Brahm vor allem in strukturellen Faktoren. Ein großer Teil der IT-Budgets fließe in die Modernisierung bestehender Geschäftsmodelle. „In diesem Bereich investieren deutsche Banken sogar mehr als die internationale Konkurrenz“, sagt er.
Komplexe Altsysteme und hoher regulatorischer Druck binden Ressourcen und lassen wenig Spielraum für Innovation. Dieser Fokus sei nicht grundsätzlich falsch, betont im Brahm, da er zur Stabilität beitrage. Gleichzeitig warnt er davor, den internationalen Wettbewerb aus dem Blick zu verlieren.
Für 2026 sieht er deutsche Banken vor einem Balanceakt: Bestehende Systeme effizient betreiben, regulatorische Anforderungen erfüllen und zugleich gezielt in neue Technologien investieren, um langfristig wettbewerbsfähig zu bleiben.
Künstliche Intelligenz verlässt endgültig das Experimentierstadium und wird zum Standard in der Finanzbranche.
[](https://www.linkedin.com/in/karl-im-brahm/)### Karl im Brahm
CEO DACH Region, Objectway
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
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**Categories:** Article
**Tags:** #artificialintelligence, #efficiency, #financialservices, #operationalefficiency, #privatebanking, #regulation
---
### [Double win for Objectway WealthTech Suite at XCelent 2020 Awards](https://objectway.com/double-win-for-objectway-wealthtech-suite-at-xcelent-2020-awards/)
**Published:** November 23, 2020
**Author:** Lorenzo Noventa
**Excerpt:** Learn why Objectway suites and apps are ranking ahead of competition for Breadth of Functionality and Client Base
**Content:**
# Double win for Objectway WealthTech Suite at XCelent 2020 Awards
23 November 2020 – Objectway, a leader in the Digital Wealth & Asset Management software, won the **XCelent award for Breadth of Functionality and for Client Base** in Celent’s October 2020 report.
Share[ Share ](# "Share this")[ Tweet ](# "Tweet this")[ Share ](# "Share this")
[LinkLinkLink >](https://objectway.com/who-we-serve/?lang=en)
[LinkLinkLink >](https://objectway.com/who-we-serve/?lang=en)
Ahead of competition for Breadth of Functionality and Client Base.
This report examined the leading vendors of Front-to-Middle Office platforms in EMEA, delivering a solution that produces an exclusive client experience. Notable differentiators considered by Celent included the provision of actionable recommendations and insights, seamless advisor–client collaboration, and mass customization functionality.
According to the renowned research and consulting firm, Objectway’s “**Advisor & Investor Portal and Mobile Apps** and **Client Lifecycle Management & Onboarding** modules are rich with capabilities that ultimately augment advisor–client interaction, drilled-down automated reporting, advisor efficiency, and comprehensive KPIs. **Portfolio Management & Advisory** has been and continues to be the solution’s sweet spot.”
Celent also noted the **Optimiser** module, “a new addition to the overall solution which enables wealth managers to achieve mass customization across a large audience of investors while simultaneously aiming to increase their return on margins. The augmented intelligence component and overall scalability of the Optimiser solution is a distinguishing point.”
**Ashley Longabaugh**, **Senior Wealth Management Analyst at Celent** and author of the report, commends the comprehensiveness and robustness of the solution, and states that the Objectway WealthTech Suite is a true advisor-client advocate.
We are very proud of this double award recognition from Celent. The outstanding evaluation for breath of functionality of our WealthTech Suite is reflected in the recognition from our client base. Our clients rated Objectway favorably, with particular appreciation of our experience and support, stable product evolution, and the solution’s ease of use, smooth integration, completeness, and flexibility. This testifies the successful implementations of our solutions at our customers.
[](https://www.objectway.com/)### Luigi Marciano
Group CEO and Founder, Objectway
## Related
[All](#)[\#customerexperience](#)[\#digital-advisory](#)[\#financialservices](#)[\#markettrends](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Awards
**Tags:** GLO
---
### [Zu wenig Innovationskraft: Deutsche Banken verlieren den Anschluss](https://objectway.com/zu-wenig-innovationskraft-deutsche-banken-verlieren-den-anschluss/)
**Published:** December 22, 2025
**Author:** Lorenzo Noventa
**Excerpt:** Europas Banken investieren 2026 massiv in KI, während deutsche Institute weiter auf Effizienzprogramme setzen und damit international zurückfallen.
**Content:**
[](/news/)
View all News
# Zu wenig Innovationskraft: Deutsche Banken verlieren den Anschluss
22\. Dezember 2025 – Europas Banken investieren 2026 massiv in KI, während deutsche Institute weiter auf Effizienzprogramme setzen und damit international zurückfallen. Nur 13 Prozent der deutschen Finanzdienstleister betrachten Innovation als wichtigsten IT-Treiber – in Frankreich sind es 63 Prozent, in UK 50 Prozent.
Gleichzeitig wird KI in ganz Europa zum Standard: Drei Viertel der Vermögensverwalter experimentieren bereits aktiv mit generativer KI. „Wer sich jetzt ausschließlich auf Optimierung konzentriert, statt in neue digitale Angebote zu investieren, verliert im globalen Wettbewerb an Relevanz“, warnt Karl im Brahm, DACH CEO von Objectway, der über 250 Institute unterstützt. Objectway ist ein Finanzdienstleister für Privatbanken sowie Vermögens- und Asset-Manager.
Investitionsbereitschaft in IT flacht in Deutschland ab
Vor gerade einmal zwei Jahren war Deutschland der Bankenstandort mit dem am schnellsten wachsenden IT-Budget in Europa. Heute scheint die Investitionsbereitschaft abzuflachen. Während die europäische Konkurrenz Jahr für Jahr weiter zulegt, fällt Deutschland immer weiter zurück. „Laut aktuellen Prognosen werden die IT-Budgets in Europa auch 2026 weiter wachsen, wie in den vergangenen Jahren“, berichtet Karl im Brahm, DACH CEO von Objectway, einem Finanzdienstleister für Privatbanken sowie Vermögens- und Asset-Manager. Er fährt fort: „Doch in Deutschland liegt der Anstieg mit 5,9 Prozent nur noch knapp über dem Durchschnitt. Gleichzeitig werden die IT-Ausgaben in Großbritannien im nächsten Jahr um 6,6 Prozent und in Frankreich sogar um 7,0 Prozent steigen.“ Der Experte empfiehlt den Banken, diese Entwicklung im Auge zu behalten: „Wer jetzt zu viel einspart, könnte langfristig zurückfallen.“ Im Brahm zeigt auf, wo deutsche Institute von ihren europäischen Wettbewerbern lernen können.
Deutsche Banken stehen 2026 am Scheideweg: Effizienz reicht nicht mehr
Banken weltweit haben durch die Fortschritte neuer Technologien ihre Prioritäten neu ausgerichtet und konzentrieren sich vermehrt auf künstliche Intelligenz. Karl im Brahm kennt die aktuellen Zahlen und stellt einen deutlichen Unterschied fest: „In Großbritannien, dem größten Markt für Vermögensverwaltung in Europa, sehen 50 Prozent der Wealth Manager Innovation als wichtigsten Treiber ihrer IT-Ausgaben, in Frankreich sind es sogar 63 Prozent. In Deutschland hingegen sind es nur 13 Prozent der Anbieter.“ Stattdessen setzen die Institute hierzulande vor allem auf Kostensenkung.
Deutschland bei Innovation weit hinter internationaler Konkurrenz
„Rund 63 Prozent der deutschen Entscheider geben an, Effizienzsteigerung sei der primäre Treiber ihrer IT-Strategie. Hier spielen vor allem digitale Plattformen eine zentrale Rolle, die Prozesse automatisieren, Datenflüsse vereinheitlichen und Entscheidungswege beschleunigen“, beleuchtet im Brahm. Dieser Fokus auf Effizienz statt auf Innovation birgt jedoch strategische Risiken, wie der WealthTech CEO erläutert: „Deutschland optimiert seine bestehende IT, während andere Märkte bereits in die nächste Generation digitaler Lösungen investieren. Der Markt entwickelt sich schneller, als viele Entscheider realisieren. Wer jetzt mutig handelt, kann sich einen erheblichen Wettbewerbsvorteil sichern.“
Bis zu 20 Prozent Ersparnis: KI scheint die neue Priorität der Asset Manager zu sein
Während Nachhaltigkeit und ESG in profitablen Jahren breit diskutiert wurden, rücken diese Themen zunehmend in den Hintergrund. Stattdessen gewinnt die Entwicklung KI-gestützter Lösungen an Priorität. „Nur 16 Prozent der Investmentmanager wollen sich im kommenden Jahr vorrangig auf ESG konzentrieren, während 37 Prozent die Implementierung von KI als wichtigste Aufgabe für 2026 sehen“, ordnet im Brahm ein.
Künstliche Intelligenz wird zum Standard in der Finanzbranche
Die Technologie ermöglicht es Finanzinstituten bereits, enorme Datenmengen auszuwerten, Risikoanalysen zu erstellen und Angebote zu personalisieren. Sie erhöht die Geschwindigkeit dieser Kernprozesse und senkt damit die Kosten. McKinsey schätzt hier das Einsparpotential in zentralen Funktionen auf 15 bis 20 Prozent. Nutzungszahlen unterstreichen diesen Trend: „Im Jahr 2025 haben knapp drei Viertel der europäischen Wealth Manager generative KI-Anwendungen getestet oder eingesetzt. Dies ist ein deutlicher Anstieg gegenüber 60 Prozent im Vorjahr. Weitere 13 Prozent planen, die Technologie im neuen Jahr zu integrieren. Künstliche Intelligenz verlässt endgültig das Experimentierstadium und wird zum Standard in der Finanzbranche“, hebt Karl im Brahm hervor.
Altlasten und Regulatorik bremsen deutsche Banken
„Hierzulande fließt ein großer Teil der IT-Budgets in die Verbesserung bestehender Geschäftsmodelle. In diesem Bereich investieren deutsche Banken sogar mehr als die internationale Konkurrenz wie beispielsweise Frankreich“, betont im Brahm. Er bewertet dies durchaus positiv: „Deutsche Banken sind im Allgemeinen weniger risikoaffin als ihre Wettbewerber und stecken daher mehr Geld in die Aufarbeitung von Schwachstellen.“
Wenig Raum für Innovation
Laut dem Experten ist dieser Ansatz sinnvoll, da die Institute hierzulande seit Jahren mit komplexen, schwer zu modernisierenden Kernbanksystemen und gleichzeitig hohem regulatorischem Druck zu kämpfen haben. „Diese Faktoren halten die Banken beschäftigt und sorgen für hohe Ausgaben, mit wenig Raum für Innovation. Dennoch sollte immer auch ein Blick nach links und rechts geworfen werden, um die Konkurrenz nicht aus den Augen zu verlieren“, mahnt im Brahm. Dem CEO zufolge müssen deutsche Banken im neuen Jahr einen Balanceakt meistern: sicherstellen, dass bestehende Systeme effizient betrieben werden und gleichzeitig ihre Weiterentwicklung durch neue Technologien voranzutreiben. (kb)
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---
### [In the spotlight - Jonathan Hartley, director of client success, Objectway](https://objectway.com/in-the-spotlight-jonathan-hartley-director-of-client-success-objectway/)
**Published:** December 18, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Jonathan Hartley oversees client experience, from onboarding and initial implementation, through to servicing after go-live.
**Content:**
[](/news/)
View all News
# In the spotlight – Jonathan Hartley, director of client success, Objectway
18th December 2025 – Jonathan Hartley is director of client success at Objectway. In his role he oversees client experience, from onboarding and initial implementation, through to servicing after go-live. He joined Objectway from NatWest where he was head of digital investment delivery. Additionally he has worked at Cazenove Capital and Barclays.
Why is technology so important to the industry?
Technology is more essential than ever for wealth management as the sector is undergoing change due to demographic shifts, increased regulation and growing expectations regarding digital client experience and engagement. As Millennials and Generation Z inherit unprecedented levels of wealth, they expect seamless digital experiences, personalised insights and real-time access — demands that traditional manual processes simply cannot meet. Advisers must therefore shift from product-led conversations to outcome-based, insight-driven guidance, for which strong data foundations, automation and embedded AI are required.
Meanwhile, regulators are tightening their scrutiny of AI usage, data privacy, cybersecurity and model governance. Firms need technology to deliver better client experiences and to help them remain compliant through auditable workflows, explainable AI and embedded controls. Scalability challenges are eroding profitability, particularly in markets where legacy systems dominate, so technology is the only way to improve efficiency, reduce the operational burden and enhance the client experience simultaneously. In short, technology is a key factor in achieving a competitive advantage in wealth management.
What are the key trends shaping technology at the moment?
The predominant trend influencing technological development in the industry at present is the urgent need to address the issue of scalability. Most firms still operate on legacy, non-scalable infrastructures where each increase in revenue is accompanied by a corresponding rise in operational costs. This is driving accelerated migration from on-premise systems to SaaS, and increasingly to Business Process as a Service (BPaaS), as firms seek to reduce inefficiency, lower cost, and redirect advisor time toward clients rather than administration.
Alongside this shift, front-office enablement is becoming a top priority. In the current business climate, firms are allocating resources to acquire AI-powered advisor tools, integrated client data platforms, and workflow automation systems. The objective of these investments is to facilitate the delivery of personalised, outcome-focused guidance on a large scale. Advisers are seeking technology that enriches insight, automates preparatory work, and enhances productivity. Clients expect seamless digital engagement.
Combined with secure infrastructure and embedded compliance capabilities, these trends are pushing wealth managers towards leaner, more resilient operating models that support growth without inflating the cost base.
What are the main challenges facing technology?
One of the most pressing challenges in wealth management technology is the industry’s persistent scalability gap. Many firms continue to rely on legacy, non-scalable architectures where incremental revenue drives disproportionately higher operating costs. This structural inefficiency is prompting organisations to transition from on-premise systems to SaaS, and increasingly to BPaaS, in order to achieve more sustainable cost models. These approaches have been shown to reduce operational friction, streamline processes, and allow advisers to redirect their time toward client engagement rather than administrative workload.
However, it should be noted that technology modernisation alone is not sufficient. In order to generate real-time insights and deliver targeted, outcome-based guidance, firms must integrate these architectures with AI-enabled front office tools, advisor copilots, and unified client-data platforms. The challenge lies in executing this transition while simultaneously strengthening security, ensuring data quality, and embedding compliance across the technology stack.
Addressing these foundational issues is essential for firms to protect margins, enhance productivity, and create the seamless, scalable client experience that the market now demands.
What’s one book you think everyone should read?
The Count of Monte Cristo. An epic tale of a man’s personal transformation and of patiently plotting revenge against hisenemies. A fantastic read.
If you couldn’t do your current role what would your dream job be?
I would love to run a business involved with coffee – sourcing, importing, roasting (and obviously tasting!)
What was your student job?
I used to sell car and household insurance for a major international insurance provider.
The predominant trend influencing technological development in the industry at present is the urgent need to address the issue of scalability. Most firms still operate on legacy, non-scalable infrastructures where each increase in revenue is accompanied by a corresponding rise in operational costs. This is driving accelerated migration from on-premise systems to SaaS, and increasingly to Business Process as a Service (BPaaS).
[](https://www.linkedin.com/in/jonathanhartley/)### Jonathan Hartley
Director of Client Success, Objectway
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4 September 2026
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---
### [How will technology develop in 2026?](https://objectway.com/how-will-technology-develop-in-2026/)
**Published:** December 15, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Technology is constantly evolving, but what key trends will be shaping the wealth management industry in 2026?
**Content:**
[](/news/)
View all News
# How will technology develop in 2026?
15th December 2025 – Technology is constantly evolving, but what key trends will be shaping the wealth management industry in 2026?
Tariq Khan, director of business development and sales at wealth tech Objectway, predicts a year defined by a “confluence of disruption, innovation, and generational change.” As a new wave of investors embraces a digital-first economy, technology is expected to take centre-stage, driving developments in artificial intelligence (AI), digital assets, cybersecurity, data privacy, and regulation.
Artificial intelligence
Over the past decade, AI has evolved from a nascent technology into a cornerstone of the wealth management industry.
Despite recent concerns over a potential ‘bubble,’ which have caused a slight uptick in market volatility, Mr Khan believes the industry will adopt a “cautious but deliberate approach” to AI in 2026.
He expects advisers to transition from “product-led to outcome-focused guidance, leveraging AI co-pilots to automateroutine tasks, enrich insights, and deliver personalized, real-time interactions with clients.”
As firms continue to navigate residual uncertainty, they are likely to support the development of generative AI (GenAI) from experimentation to enterprise deployment, thereby “transforming the delivery of advice, risk management, and engagement at scale,” Mr Khan explained.
Hybrid advisory platforms, AI assistants, and integrated client data are expected to be in high demand, with many firms already envisioning how agentic AI and GenAI will reduce costs and enhance operational efficiency.
GenAI can produce insights, reports, and analysis from existing datasets, while agentic AI can autonomously execute actions, such as rebalancing portfolios, personalised reporting, or initiating communication, based on real-time data. Together, they can streamline routine tasks and enhance operational efficiency, enabling advisers to focus on delivering more outcome-focused, relationship-driven guidance.
Nonetheless, Mr Khan pointed out that AI adoption remains uneven: “Some firms are scaling up enterprise-wide, while others are testing limited pilots,” he acknowledged.
To accelerate AI adoption in 2026, firms must overcome key barriers, including talent shortages, regulatory uncertainty, data privacy, and model reliability concerns.
“Firms that fail to address these risks may struggle to maintain trust and continuity in an increasingly digital landscape,” Mr Khan warned.
Digital assets
However, technology is not comprised of AI alone.
Roopalee Dave, UK head of wealth management at EY, a professional services firm, believes that the financial sector will continue to evolve in its approach to digital assets, with a rise in tokenisation and crypto-based investments.
Ms Dave noted that the industry has already moved from “pilots to practical rollout.”
In October 2025, the Financial Conduct Authority (FCA) lifted its ban on the sale of crypto-assets to retail and wealth investors in the UK, reflecting its wider ambition to establish a regulatory framework for cryptocurrency and digital assets.
This decision followed the development of federal regulations in the US, with President Donald Trump signing the Guiding and Establishing National Innovation for US Stablecoins (GENIUS) Act in July 2025.
The GENIUS Act established a framework for the issuance of stable coins by mandating users to comply with full-reserve banking practices and money-laundering regulations.
Meanwhile, the European Union’s Markets in Crypto-Assets Regulation (MiCAR) has become fully operational, following its initiation in June 2023.
Ms Dave expects these regulatory changes to encourage greater investment in digital assets. “With clearer regulatory guidance and risk readiness in place, we will see wealth firms offer more flexible opportunities for clients to safely capture the next wave of growth,” she explained.
Ms Dave also gestured towards a rise in ‘tokenisation’ – the digital representation of assets on distributed ledger technology.
By turning traditional assets into digital units, tokenisation has the potential to increase efficiency, foster competition, and broaden access to private markets.
Cybersecurity and data privacy
Any advancement in technology is accompanied by a unique set of risks, and given the continued digitalisation of business, government, and the private sphere, robust cybersecurity is becoming more essential than ever before.
According to HSBC Private Bank’s Q1 2026 Investment Outlook, Resilience in a Transforming World, cyberattacks are forecast to have an overall economic cost of between $1.2 and $1.5 trillion in 2025. The threat of these attacks continues to be a concern heading into 2026.
Tobias Marbler, chief information officer at HSBC Private Bank and Asset Management, has urged firms to invest in their operations as “the increased dependency on digital platforms will likely increase the risk of cyber attacks with more sophisticated threats, like deep fakes and identify fraud.
Meanwhile, regulatory pressure, particularly concerning AI, data privacy, and ethical use, will necessitate increased transparency and compliance.
The protection of data privacy remains another source of considerable distress.
In 2026, Mr Marbler expects to see firms and banks “investing to make sure they have strong foundations”, which allow them to adopt new technologies in a way that “meets the needs of their clients as well as regulatory authorities.”
Firms will be looking to “re-engineer” their core banking systems – and, in some cases replace them completely – to better support real-time data processing, among other tasks.
This will be particularly helpful for those who are looking for greater autonomy.
As firms continue to navigate residual uncertainty, they are likely to support the development of generative AI (GenAI) from experimentation to enterprise deployment, thereby transforming the delivery of advice, risk management, and engagement at scale.
[](https://www.linkedin.com/in/tariqkhan5/)### Tariq Khan
Director of Business Development and Sales, Objectway
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[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
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4 September 2026
## Sign Up for our Newsletter
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**Categories:** Article
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---
### [Digital Transformation Embracing Banking Megatrends: Insights from MoneyLive Conference and the Path to Composable Transformation](https://objectway.com/embracing-banking-megatrends-and-the-path-to-modular-transformation/)
**Published:** December 11, 2025
**Author:** Beatrice Scotti
**Excerpt:** Modular Core Banking has emerged as a pragmatic and future-ready response to the banking sector challenges. A modular approach enables banks to evolve.
**Content:**
###### Dec 11, 2025
# Embracing Banking Megatrends: Insights from MoneyLive Conference and the Path to Composable Transformation
[Karl im Brahm ](https://www.linkedin.com/in/karl-im-brahm/)
CEO DACH, Objectway
Digital Transformation
[\#Clientrelationship]()[\#DigitalChange](/digitalchange/)[\#OpenFinance](/open-finance/)[\#Scalability](/scalability)
Embracing Banking Megatrends: Insights from MoneyLive Conference and the Path to Composable Transformation
This year’s MoneyLive Nordic Banking Conference reaffirmed its relevance as a leading forum for strategic insight. Senior leaders gathered to discuss how evolving client expectations, rapid technological evolution, and intensifying competition are reshaping the future of the banking industry. A shared conclusion emerged: the banks that will lead are those able to innovate continuously, adapt with agility, and translate change into sustainable value.
Modernization imperatives: responding to industry megatrends
Banks are under increasing pressure to modernize their architectures. AI and data-driven personalization surely offer tremendous potential, but only when supported by flexible, scalable, and secure infrastructures.
Meanwhile, the expansion of open banking and the growth of the fintech ecosystem highlight the strategic importance of open, API-first architectures. These enable seamless third-party integration and foster the development of interconnected digital ecosystems. Participants agreed that modernization must take place within a robust framework of risk management and strong governance practices, ensuring that innovation remains both responsible and sustainable.
Why traditional core banking is no longer enough
Across Europe, banks face a complex environment shaped by tightening regulation, mounting cost pressures, and rising client expectations for real-time, personalized, digital services. Despite this, many institutions still rely on legacy core systems that were not designed for today’s pace of change.
These systems are often monolithic, costly to maintain, and resistant to rapid adaptation. As a result, even minor regulatory or market-driven adjustments can become long and resource-intensive projects. The challenge is clear: banks need to remain stable and compliant while also becoming faster and more innovative.
Modular Core Banking as a strategic answer
Modular Core Banking has emerged as a pragmatic and future-ready response to these challenges. Rather than replacing legacy systems in a disruptive “big bang”, a modular approach enables banks to evolve step by step.
Objectway supports this journey by integrating proven banking logic with modern, API-driven architecture—allowing institutions to accelerate time-to-market, increase resilience, and reduce operational complexity. The result is a controlled transformation path that preserves continuity while unlocking new capabilities.
Composable Architecture: The Engine of Sustainable Transformation
At the heart of this approach is a Composable Architecture. Instead of dismantling existing infrastructures, this model enhances them through modular components, each designed to perform a specific function and interact through APIs and event-driven communication.
Whether applied to core banking, portfolio management, tax, or settlement processes, these modules integrate seamlessly with existing environments and external applications such as market data providers or payment systems.
For IT teams, this means simplified maintenance, cleaner interfaces, and smoother integration. For business units, it enables faster regulatory compliance, accelerated product delivery, and scalable innovation. Most importantly, it provides long-term investment protection while maintaining the highest standards of security and regulatory adherence.
Looking Ahead: a foundation for stable, scalable growth
Banks already adopting this composable model are transforming their operations at their own pace, leveraging tailored solutions that align with their specific strategies and business models. Because no two institutions are alike, standardized software is rarely sufficient. Instead, a composable approach ensures that each transformation journey is both targeted and sustainable, enabling banks to balance modernization with operational stability.
The industry’s future will be defined by banks capable of combining resilience with agility. Objectway’s mission is to provide this foundation—enabling institutions to modernize securely, efficiently, and sustainably. Through a Solution-as-a-Service model, banks benefit from proven technology, accelerated implementation, and measurable business outcomes.
After more than a decade of supporting scalable and compliant transformations, Objectway continues to empower banks to shape their own modernization pathway—at the speed their strategies require. Trust, reliability, and long-term stability remain the guiding principles behind every solution delivered.
Proven. Modular. Scalable. This is the future of banking modernisation—and this is Objectway.
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### Migrazione delle banche principali: perché l’80% di tutti i progetti fallisce e come le banche possono evitare perdite milionarie
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**Categories:** #ClientRelationship, #DigitalChange, #OpenFinance, #Scalability, Blog, Digital Transformation
---
### [AIPB Forum 2025 – Savings & Investment Union: Il ruolo del risparmio privato](https://objectway.com/aipb-forum-2025-savings-investment-union-il-ruolo-del-risparmio-privato/)
**Published:** December 10, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Nicola Pepè, Senior Business Development Manager di Objectway, ha analizzato la sfida principale affrontata dall’Italia in questo momento: trasformare il risparmio privato in leva di sviluppo per l’economia.
**Content:**
###### DEC 10, 2025
# AIPB Forum 2025 – Savings & Investment Union: Il ruolo del risparmio privato
[Nicola Pepè](https://www.linkedin.com/in/nicola-pep%C3%A8-6569861/)
Senior Business Development Manager, Objectway
Video Interview
[\#Portfoliomanagement](/portfolio-management-h/)[\#Onboarding](/onboarding/)[\#DigitalAdvisory](/digital-advisory/)
In occasione della ventunesima edizione dell’AIPB Forum, i principali operatori del settore del private banking, insieme a rappresentanti delle istituzioni ed opinion leaders si sono riuniti per discutere il ruolo del risparmio privato per la competitività europea. In questo contesto d’eccezione, Nicola Pepè, Senior Business Development Manager di Objectway, ha analizzato la sfida principale affrontata dall’Italia in questo momento: trasformare il risparmio privato in leva di sviluppo per l’economia.
Trasformazione è quindi la parola chiave, sottolinea Pepè, ma l’evoluzione passa anche dalla considerazione dei seguenti tre elementi:
- Il rapporto sempre più attivo dell’investitore con il suo banker
- L’accesso ad informazioni e dati provenienti da molteplici fonti
- La volontà del cliente di partecipare alla costruzione delle strategie di investimento
L’economia italiana sta quindi assistendo alla trasformazione del cliente che da investitore che delega passa ad essere un investitore che vuole contribuire alle scelte di investimento del suo patrimonio. Separately Managed Accounts (SMA) rappresentano un modello di servizio che sta riscuotendo sempre maggiore interesse nel mercato italiano. Rispetto alle gestioni patrimoniali tradizionali, gli SMA funzionano perché:
- Sono progettati per clienti che cercano soluzioni su misura
- Possono essere composti utilizzando blocchi tematici
- Possono essere personalizzati
- Hanno costi chiari e trasparenti
Se sul piano gestionale degli SMA garantiscono efficienza e trasparenza, è nel rapporto tra banker e cliente che si esprime il loro vero valore nel private banking. In questo contesto, la performance finanziaria da sola non basta: ciò che fa davvero la differenza è la capacità di costruire un dialogo di fiducia, capace di tradurre esigenze personali e familiari in soluzioni patrimoniali concrete. È necessario declinare il modello di servizio SMA su due principali leve:
Per rendere possibile tutto questo, è però essenziale dotarsi di un’infrastruttura tecnologica flessibile e scalabile, processi automatizzati e industrializzabili. Strumenti in grado di trasformare regole complesse in processi intuitivi, integrando consulenza e gestione, aprendo così la strada ad un’advisory più ampio e attivo.
Guarda ora la video intervista completa e scopri i contenuti correlati per restare aggiornato sui cambiamenti del mercato italiano.
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Video Interview
### Il futuro del wealth management: efficienza, personalizzazione, innovazione tecnologica e dei modelli di servizio
[](https://objectway.com/efficienza-personalizzazione-e-innovazione-tecnologica-guidano-la-crescita-della-domanda-di-nuovi-modelli-di-servizio-nel-settore-private-e-wealth-management/)
**Categories:** #ClientRelationship, #DigitalAdvisory, #PortfolioManagement, Video Interview
---
### [WealthTech Day 20254th December 2025Regulation Belgium’s New CGT: A Turning Point for Financial Institutions ](https://objectway.com/belgium-new-cgt-a-turning-point-for-financial-institutions/)
**Published:** December 4, 2025
**Author:** Beatrice Scotti
**Excerpt:** When Belgium announced the introduction of a Capital Gains Tax (CGT), the news landed with a thud across the financial sector. It changes the rules of the game.
**Content:**
###### Dec 04, 2025
# Belgium’s New CGT: A Turning Point for Financial Institutions
[Kurt Vanhee ](https://www.linkedin.com/in/kurtvanhee/)
League Managing Director, Objectway
Regulation
[\#OpenApi](/open-api/)[\#Clientreporting](/client-reporting/)[\#Portfoliomanagement](/portfolio-management-h/)
When Belgium announced the introduction of a Capital Gains Tax (CGT), the news landed with a thud across the financial sector. Not because taxation on financial assets is new — far from it. Investors here already navigate withholding taxes, transaction levies, the “Reynders tax,” and the annual wealth tax. But CGT is different. It changes the rules of the game.
For banks, brokers, and wealth managers, this is not just another regulatory update. It represents a fundamental shift in how investment income is reported, calculated, and integrated into financial advice. And while the final legal details are still being finalized, the direction of travel is clear: institutions will need to adapt quickly to remain compliant, competitive, and trusted by their clients.
A New Tax, a New Layer of Complexity
At first glance, 10% may not sound dramatic. But anyone who has ever managed client portfolios knows it’s not the rate that matters, it’s the mechanics.
The CGT will be calculated on a FIFO basis. It will require tracking acquisition prices, exemptions, accrued allowances, and losses that can offset gains. Belgian banks will, in many cases, be expected to withhold the tax at the moment of sale. And yet, clients can opt out and declare through their annual tax return — a system that immediately introduces fragmentation, exceptions, and complexity.
In practice, this means that compliance isn’t just about withholding the right percentage. It’s about being able to provide crystal-clear reporting, accurate simulations, and timely advice.
The Three Big Headaches
- Reporting — Investors with multi-bank portfolios will lean heavily on institutions for precise, comprehensive annual reporting. The credibility of an institution will hinge on the clarity of these reports.
- Real-Time Calculations — When clients sell, the tax has to be calculated instantly, down to the euro, in line with FIFO. That’s a far cry from the relatively simple transaction or withholding taxes we know today.
- Advisory Integration— Perhaps the most strategic challenge: CGT will change how portfolios are managed. Ignoring tax impact could mean suboptimal decisions, missed opportunities, or dissatisfied clients. Tax must become an integral part of the advisory and discretionary investment process.
It’s Not Just About Compliance, It’s About Competitiveness
Beyond compliance, CGT will shape client experience and trust. Investors will increasingly expect their bank or wealth manager not only to execute trades, but also to optimize them in light of potential tax liabilities. Advisors will be asked: “Should I sell now, or wait?” Portfolio managers will be expected to factor in tax exposure alongside strategy, risk, and ESG considerations. And clients will expect transparency at every step. This requires not only legal and fiscal expertise, but also robust systems capable of capturing, storing, and analysing detailed historical transaction data.
At the same time, financial institutions face a structural challenge: many back-office systems are decades old and were never designed to handle dynamic capital gains calculations. Extending such systems to accommodate the new tax is possible, but costly and risky. Institutions will need to decide whether to upgrade legacy platforms or integrate specialized modules that can keep pace with evolving regulation, and that’s exactly the industry debate.
Do we pour resources into rebuilding legacy systems? Or do we create or adopt specialized modules that can plug into existing infrastructures, via APIs, in a more agile and future-proof way? For many, the latter is emerging as the smarter path. Collaborating with a highly specialised partner that not only brings proven tax capabilities, but also commits to staying ahead of regulatory changes, reduces both risk and cost.
A Pan European Tax Solution Futureproofing the Whole System
The introduction of CGT highlights a truth that many institutions have long known but often postponed addressing: legacy systems alone cannot carry the weight of today’s regulatory demands. And with fiscal reforms across Europe only set to increase in scope and complexity, what is needed now is not a patchwork of fixes, but a specialized layer of intelligence that can adapt as quickly as the rules themselves.
A new generation of tax capability built for scale – able to handle multiple jurisdictions, currencies, and entities without requiring banks to reinvent their back offices. Designed to integrate seamlessly into existing systems through open APIs, ensuring real-time data flow and consistency across the organization. Just as importantly, one that creates a transparent, auditable trail of every calculation, giving institutions the confidence to stand up to regulators and reassure clients. A solution to rely on that ticks all the boxes, while also enabling strategic foresight.
Real-time modelling of “what-if” scenarios allows wealth managers to factor tax into portfolio decisions, not just after the fact but when strategies are designed. Exceptions are flagged automatically, risks are surfaced before they become problems, and insights can be delivered directly into client conversations. Crucially, a one-size-fits-all approach falls short; a tailored solution, with dedicated teams working alongside each institution to align processes with its unique needs and scale, is essential. Multidisciplinary expertise ensures that operational efficiency and regulatory compliance are delivered together — not as competing priorities, but as two sides of the same coin.
Where legacy platforms see CGT as a burden, modern approaches transform it into an opportunity — one that strengthens trust, reduces complexity, and positions institutions to thrive in a landscape where regulation is certain to keep evolving.
The result is a fundamental shift: compliance becomes proactive, tax awareness becomes part of investment strategy, and institutions regain control in an environment that will only grow more complex. What begins as a regulatory burden can become a breakthrough in how banks deliver trust, advice, and long-term value.
**RELATED POST**
Digital Transformation
### Digital Banking Picks Up Speed
[](https://objectway.com/digital-banking-embraces-technology-to-ensure-efficiency-and-customer-centricity/)
Artificial Intelligence
### Objectway at the BEI Workshop on Data and Hyperautomation – Turning technological innovation into practical and sustainable strategies
[](https://objectway.com/artificial-intelligence-objectway-at-the-bei-workshop-on-data-and-hyperautomation-turning-technological-innovation-into-practical-and-sustainable-strategies/)
News
### From seven logins to one: How integrated platforms boost advisor productivity
[](https://objectway.com/how-integrated-platforms-boost-advisor-productivity/)
**Categories:** #Api, #ClientReporting, #PortfolioManagement, Blog, Regulation
---
### [XVIII Forum del Private Banking: fiducia, innovazione, protezione: il valore della consulenza private](https://objectway.com/private-banking-forum-il-valore-della-consulenza-private/)
**Published:** December 2, 2022
**Author:** Silvia Boccuzzi
**Content:**
###### DEC 2, 2022
# XVIII Forum del Private Banking: fiducia, innovazione, protezione: il valore della consulenza private
[Gianbattista Geroldi](https://www.linkedin.com/in/gianbattista-geroldi-070a322a/)
CEO Italy Objectway
Video Interview
[\#DigitalAdvisory](/digital-advisory/)[\#ClientCommunication](/clientcommunication/)
Objectway ha partecipato alla 18esima Edizione del Forum del Private Banking, che quest’anno ha dedicato la sua attenzione al tema della consulenza private.
In questa intervista, Gianbattista Geroldi, VIce President Objectway, approfondisce caratteristiche attuali e obiettivi futuri del private banking, tra evoluzione della domanda e dei servizi, digitalizzazione delle modalità di interazione e personalizzazione dell’offerta. Ad oggi ciò che si rivela essere vincente è un approccio ibrido che porti l’advisor ad essere capace di gestire i bisogni dei clienti garantendo flessibilità e scalabilità.
**RELATED POST**
Advisory
### L’innovazione dei Servizi Cross Border per il Private Banking
[](/linnovazione-dei-servizi-cross-border-per-il-private-banking/)
News
### Il wealthtech per la nuova generazione di banche e broker
[](https://objectway.com/il-wealthtech-per-la-nuova-generazione-di-banche-e-broker/)
News
### Objectway recognised again for enabling digital transformation and resilience in financial services
[](https://objectway.com/objectway-recognised-again-for-enabling-digital-transformation-and-resilience-in-financial-services/)
**Categories:** #ClientCommunication, #DigitalAdvisory, #HyperPersonalisation, Video Interview
---
### [Objectway at Wealth Tech Day 2023 in Luxembourg](https://objectway.com/wealth-tech-day-2023-kurt-vanhee-interviewed-by-hubfinance/)
**Published:** March 7, 2023
**Author:** Silvia Boccuzzi
**Content:**
###### MAR 7, 2023
# Objectway at Wealth Tech Day 2023 in Luxembourg
[Kurt Vanhee](https://www.linkedin.com/in/kurtvanhee/)
Managing Director Continental Europe & North America Objectway
Video Interview
[\#OWIN](/owin/)[\#DigitalChange](/digitalchange/)[\#Digitalisation](/digitalisation/)
Kurt Vanhee, Managing Director Continental Europe & North America, has been interviewed by Hubfinance during the last Edition of the Wealth Tech Day 2023. This has been the opportunity to showcase Objectway’s business development, its current customers and its future challenges focused on re-platforming and digitalizing the client experience path, with the aim to provide a new type of client portfolio and to improve the relationship with clients.
**RELATED POST**
Market Trends
### Innovation in Wealth Management: a cure for Troubled Times
[](/innovation-in-wealth-management-and-technology-as-business-innovation-enabler/)
Market Trends
### Challenges & Trends in Wealth Management in 2023 and Beyond
[](/challenges-and-trends-in-wealth-management-in-2023-latest-from-ceo-pam-dinner/)
Video Interview
### AM Tech Day 2022: Democratising investment, risk or opportunity?
[](/kurt-vanhee-am-tech-day-2022-democratising-investment/)
**Categories:** #DigitalChange, #Digitalisation, #Owin, Video Interview
---
### [Sma: il caso delle nuove gestioni in arrivo dall’America](https://objectway.com/sma-il-caso-delle-nuove-gestioni-in-arrivo-dallamerica/)
**Published:** December 2, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** I Separately managed account (Sma) consentono ai clienti di diventare parte attiva del processo d’investimento.
**Content:**
[](/news/)
View all News
# Sma: il caso delle nuove gestioni in arrivo dall’America
2 Dicembre 2025 – I Separately managed account (Sma) consentono ai clienti di diventare parte attiva del processo d’investimento. Negli Stati Uniti, questi strumenti, molto accessibili grazie alla tecnologia, sono arrivati a rappresentare il 18% del mercato. E adesso sono pronti a conquistare anche l’Europa
Le gestioni patrimoniali nascono come lo strumento più vicino alla filosofia del private banking. Eppure, secondo i dati di Aipb, in Italia solo il 24% di questi prodotti può definirsi realmente personalizzato. Il resto è rappresentato da soluzioni multilinea, meno coerenti con lo spirito “private” che dovrebbero incarnare. È in questo scenario che i Separately managed account, anche noti con l’acronimo Sma, iniziano a proporsi come una soluzione alla crescente richiesta di personalizzazione, efficienza e trasparenza: uno standard di mercato al di là dell’Oceano Atlantico, ma che l’Europa – inclusa l’Italia – sta iniziando a declinare solo di recente, in una nuova veste.
“Stiamo vivendo un momento particolare dell’industria, caratterizzato da due fenomeni: la compressione dei margini e la spinta competitiva derivante dagli etf (exchange-traded fund)”, racconta **Mauro Panebianco, partner di PwC Italia e responsabile per l’Italia e l’Emea dell’asset & wealth management.** “Gli Sma rappresentano un’evoluzione delle gestioni patrimoniali, in grado di sostenere personalizzazione e scalabilità”. La forza della personalizzazione risiede in un modello di relazione che coinvolge il cliente in ogni fase della costruzione del portafoglio.
Il focus sul segmento affluent
In questo percorso il cliente diventa infatti parte attiva del processo, arrivando a esercitare una vera e propria “ownership” diretta dei titoli, in base a **preferenze, obiettivi e propensione al rischio.** “Gli Sma puntano sui **clienti affluent** – con patrimoni tra 500mila e un milione di euro, facoltosi ma non private – che controllano circa la metà del risparmio investibile in Italia. Sono clienti che desiderano sentirsi parte del processo d’investimento, ai quali una tipologia di investimento ‘a scaffale’, chiusa, può stare stretta. Al tempo stesso, su questo segmento, una tipologia di investimento estremamente personalizzata potrebbe risultare poco sostenibile per l’istituzione finanziaria”, argomenta **Nicola Pepè, senior business development manager di Objectway.**
Gli ostacoli fiscali
Dopo la pandemia, complice un contesto fiscale favorevole, gli Sma hanno registrato una **crescita a doppia cifra negli Usa,** fino a rappresentare il **18% del mercato della gestione patrimoniale.** “Quasi tutte le società di asset management hanno al proprio interno una soluzione di Sma”, spiega Panebianco. “Quindi anche in Europa ci si è interrogati su come individuare nuove soluzioni che potessero non deteriorare il margine delle aziende, offrendo al tempo stesso una risposta attiva alle esigenze degli investitori”. Desiderata che sono scontrati, tuttavia, con **ostacoli fiscali,** in particolare nel Belpaese. A pesare è soprattutto l’applicazione dell’Iva sulle gestioni patrimoniali, un onere che non esiste oltreoceano. “Inoltre, sul fronte del gestito, il nostro sistema adotta la regola del maturato, valutando la performance complessiva del portafoglio. All’estero, invece, prevale la logica del realizzato: le plus e minusvalenze vengono compensate sul singolo titolo”, osserva l’esperto.
Le differenze con gli Stati Uniti
Un altro aspetto da considerare, secondo Pepè, è il modo in cui gli Sma vengono declinati da una sponda all’altra dell’Atlantico. “Negli **Usa** sono considerati **strumenti finanziari a tutti gli effetti.** In **Italia**, invece, li stiamo valutando come **modello di servizio**: rivolto a una clientela che desidera dialogare con il banker ed essere accompagnata nell’operatività, ma al tempo stesso beneficiare della competenza del gestore di patrimoni”, afferma l’esperto. Ad ogni modo, l’evoluzione introdotta dagli Sma non sarebbe possibile senza un’infrastruttura tecnologica capace di sostenere personalizzazione e scalabilità: un altro tema cruciale per la finanza tricolore. “L’industria italiana dei servizi finanziari si basa su **infrastrutture tecnologiche** un po’ rigide e, a volte, si riscontra una certa avversità a ricercare soluzioni esterne”, conferma Panebianco. “Queste nuove soluzioni girano su tecnologie molto avanzate e moderne, a volte in cloud. Quindi è uno scoglio che va superato. Va detto che anche in Italia l’evoluzione tecnologica sta accelerando, il che potrebbe presto allentare molte delle rigidità attuali”.
Guardando al futuro, Pepè ribadisce come circa il 50% del risparmio in Italia sia riconducibile alla clientela affluent. “È un bacino di utenza importante e trasversale. Tutte le banche private stanno guardando con interesse a questa evoluzione. L’obiettivo è **rendere questo approccio industrializzabile senza perdere la personalizzazione.** Servono piattaforme di consulenza e di gestione patrimoniale integrate allo stato dell’arte, capaci di operare e sfruttare i servizi cloud, e di abilitare processi fluidi che coniughino il momento relazionale e il momento gestorio, rendendo questo modello sostenibile, scalabile e realmente centrato sul cliente”, afferma. Al momento, in Italia l’unico operatore che offre una soluzione di Sma sviluppata sulla propria clientela è **Mediobanca Premier.** **Ubs,** invece, ha sviluppato il proprio modello a livello internazionale e sta guardando ora al mercato nostrano. “Tutto ciò che funziona negli Usa, prima o poi, trova riscontro anche in Europa. Siamo, di fatto, dei follower dell’industria statunitense: i trend e le soluzioni vincenti oltreoceano arrivano inevitabilmente anche nel Vecchio Continente”, afferma Panebianco. “Mi aspetto quindi che questa tipologia di soluzioni prenda piede e si affermi come un modello di successo anche qui”.
Gli Sma puntano sui clienti affluent, con patrimoni tra 500mila e un milione di euro, facoltosi ma non private.
[](https://www.linkedin.com/in/nicola-pep%C3%A8-6569861/)### Nicola Pepè
Senior Business Development Manager, Objectway
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
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**Categories:** Article
**Tags:** #efficiency, #financialservices, #operationalefficiency, #privatebanking, #regulation
---
### [Un patto tra le generazioni: l’agenda del private banking](https://objectway.com/aipb-forum-2023-intelligenza-artificiale-per-il-futuro-del-private-banking/)
**Published:** November 28, 2023
**Author:** Silvia Boccuzzi
**Content:**
###### NOV 28, 2023
# Un patto tra le generazioni: l’agenda del private banking
[Gianbattista Geroldi](https://www.linkedin.com/in/gianbattista-geroldi-070a322a/)
CEO Italy Objectway
Video Interview
[\#HybridAdvisory](/hybrid-advisory/)[\#Artificialintelligence](/artificial-intelligence/)[\#DigitalCollaboration](/digital-collaboration/)[\#Automation](/automation/)[\#ClientCommunication](/clientcommunication/)
L’ultima edizione dell’AIPB Forum è stata l’occasione per Objectway di illustrare il proprio punto di vista sull’applicazione crescente dell’intelligenza artificiale nei processi di investimento. Gianbattista Geroldi, CEO Italy Objectway, espone in questa intervista come il settore del Private Banking si stia evolvendo, portando investitori e consulenti ad interfacciarsi con le nuove generazioni di clienti nativi digitali.
Questo cambiamento impatta anche il ruolo stesso del consulente, che diventa una figura ibrida, capace di mantenere la relazione interpersonale e di essere supportato dall’intelligenza artificiale generativa per rendere il proprio lavoro più efficiente, offrendo così un servizio rapido e personalizzato.
In particolare, Objectway utilizza l’intelligenza artificiale nel processo di onboarding, permettendo da un lato lo sviluppo di processi di engagement fluidi e automatici e veicolando, dall’altro lato, un’analisi predittiva, che consente di individuare quale dovrebbe essere l’azione migliore da compiere con i propri clienti. È questo il nucleo principale del più recente progetto sviluppato in collaborazione con l’Università di Bari. L’obiettivo è essere in grado di calcolare il tasso di “customer churn” con lo scopo finale di assicurare la client retention e attivare nuovi processi di acquisizione.
Questa è soltanto una delle partnership in corso e di sicuro lo sviluppo dell’intelligenza artificiale nelle istituzioni finanziarie non si ferma qui: guarda ora l’intervista completa!
**RELATED POST**
Technology
### Tech-Driven Evolution and Challenges in Wealth Management: Happening Today, Impacting Tomorrow
[](/tech-driven-evolution-and-challenges-in-wealth-management-for-2023-and-beyond/)
Artificial Intelligence
### AI tooling for front-end wins
[](/the-potential-of-ai-improve-client-service-and-associated-risks/)
Digital Transformation
### Digital Banking Picks Up Speed
[](/digital-banking-embraces-technology-to-ensure-efficiency-and-customer-centricity/)
**Categories:** #ArtificialIntelligence, #Automation, #ClientCommunication, #DigitalCollaboration, #HybridAdvisory, Video Interview
---
### [How to take advantage of the best of innovation to achieve a long-term sustainable growth](https://objectway.com/how-to-take-advantage-of-the-best-of-innovation-to-achieve-a-long-term-sustainable-growth/)
**Published:** May 26, 2023
**Author:** Silvia Boccuzzi
**Content:**
###### MAY 26, 2023
# How to take advantage of the best of innovation to achieve a long-term sustainable growth
[Dr. Alexander Cassar](https://www.linkedin.com/in/sandrocassar/)
Objectway Chief Business Operation Officer
Video Interview
[\#HybridAdvisory](/hybrid-advisory/)[\#Artificialintelligence](/artificial-intelligence/)[\#DigitalCollaboration](/digital-collaboration/)[\#Automation](/automation/)[\#ClientCommunication](/clientcommunication/)
During the the 8th Edition of the Private Wealth Management Forum organized by L’Agefi, Dr. Alexander Cassar, Objectway Chief Business Operation Officer, describes which are the best innovation that need to be adopted to achieve a long-term sustainable growth for the businesses and how to take advantage from them.
In the wealth, asset and banking management ecosystem, today’s customers are struggling with the constant transformation of the resources available. Considering this framework, Objectway has to be considered as a valued and dynamic supplier, ready to intercept clients’ needs and make them real.
**RELATED POST**
Market Trends
### Embracing a digital mindset for innovation growth
[](/a-new-digital-mindset-in-the-private-wealth-industry/)
Market Trends
### Sustainable Innovation at Scale: The New Paradigm
[](/sustainable-innovation-at-scale-for-driving-business-growth/)
Market Trends
### Innovation in Wealth Management: a cure for Troubled Times
[](/innovation-in-wealth-management-and-technology-as-business-innovation-enabler/)
**Categories:** #ClientExperience, #ClientRelationship, #Sustainability, #Sustainableinnovation, Video Interview
---
### [AM Tech Day 2023: Take back the control of your data!](https://objectway.com/am-tech-day-2023-take-back-the-control-of-your-data/)
**Published:** October 17, 2023
**Author:** Silvia Boccuzzi
**Content:**
###### OCT 17, 2023
# AM Tech Day 2023: Take back the control of your data!
[Miroslav Petrov](https://www.linkedin.com/in/miroslav-petrov-055a5267/)
Product Director – Investment Compliance Objectway
Video Interview
[\#ClientExperience](/clientexperience/)[\#BackOffice](/back-office/)[\#Digitalisation](/digitalisation/)[\#Artificialintelligence](/artificial-intelligence/)
Objectway partnered with L’Agefi for the last Edition of AM Tech Day in Paris. The leading event for the asset management industry and its technological transformations, has represented the right time for Objectway to discuss how the most important technology trends are impacting on client relationship and customer experience.
This year the mic passed to Miroslav Petrov, Objectway Product Director – Investment Compliance. In this interview, Miroslav outlined Objectway Platform’s main features and benefits, clarifying how IT applications, including AI, have become strategic in everyday business management.
The ultimate aim is offering our customers investment solutions that are digital, tailor-made and flexible, taking advantage of straight through workflows and seamless administration processes.
**RELATED POST**
Market Trends
### AI in Financial Services? Rest assured it’s here to stay!
[](/ai-in-financial-services-a-transformative-force-for-a-long-term-strategy/)
Video Interview
### Unleashing the full potential of Data, AI, and Strategic Parterships to exceptional Customer Experience
[](/unleashing-the-full-potential-of-data-ai-and-strategic-parterships-to-exceptional-customer-experience/)
Technology
### Tech-driven Transformation: Emerging Trends for Investment Managers
[](/tech-driven-transformation-emerging-trends-for-investment-managers/)
**Categories:** #ArtificialIntelligence, #BackOffice, #ClientExperience, #Digitalisation, Video Interview
---
### [Ottenere vantaggi competitivi nei servizi di investimento attraverso servizi di consulenza digitali e integrati](https://objectway.com/partnership-objectway-unblu-come-ottenere-vantaggi-competitivi-con-una-piattaforma-digitale-integrata/)
**Published:** November 3, 2023
**Author:** Silvia Boccuzzi
**Content:**
###### NOV 3, 2023
# Ottenere vantaggi competitivi nei servizi di investimento attraverso servizi di consulenza digitali e integrati
[Nicola Pepè](https://www.linkedin.com/in/nicola-pep%C3%A8-6569861/)
Senior Business Development Manager Objectway
[Ricardo Elizo](https://www.linkedin.com/in/ricardoelizo/)
Sales Director Iberia & Italy Unblu
Video Interview
[\#HybridAdvisory](/hybrid-advisory/)[\#Hyperpersonalisation](/hyper-personalisation/)[\#DigitalCollaboration](/digital-collaboration/)[\#Customerjourney](/customerjourney/)
Objectway ha partecipato alla 16ª Edizione del Forum Banca assieme ad Unblu, avendo così l’occasione di presentare i vantaggi che derivano dalla loro partnership tecnologica e che hanno determinato progressi nella gestione della relazione con i clienti.
Nicola Pepè, Senior Business Development Manager Objectway, illustra in questa video intervista, come ad oggi i servizi finanziari si evolvono secondo tre principali drivers di crescita:
- Condivisione delle informazioni e di un approccio strategico
- Personalizzazione del processo di investimento e del come l’analisi del patrimonio del cliente viene presentata
- Velocità di implementazione delle tecnologie che diventano la base per guidare la scelta dell’investitore
L’unione di questi elementi ha portato Objectway a potenziare la propria offerta grazie agli sviluppi tecnologici messi a disposizione da Unblu. Ricardo Elizo, Unblu Sales Director Iberia & Italy, prosegue infatti definendo la piattaforma realizzata come un canale all-in-one, sicuro ed integrato, che permette al cliente di avere una panoramica completa sull’andamento dei propri investimenti e di accedere rapidamente all’assistenza del proprio consulente.
Tutto ciò conduce ad una customer experience “phygital”, caratterizzata quindi dall’unione delle abilità umane e dell’innovazione tecnologica, nell’ottica di armonizzazione dei canali di comunicazione.
Guarda ora la video intervista completa!
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Market Trends
### AI in Financial Services? Rest assured it’s here to stay!
[](/ai-in-financial-services-a-transformative-force-for-a-long-term-strategy/)
Video Interview
### Unleashing the full potential of Data, AI, and Strategic Parterships to exceptional Customer Experience
[](/unleashing-the-full-potential-of-data-ai-and-strategic-parterships-to-exceptional-customer-experience/)
Technology
### Tech-driven Transformation: Emerging Trends for Investment Managers
[](/tech-driven-transformation-emerging-trends-for-investment-managers/)
**Categories:** #CustomerJourney, #DigitalCollaboration, #HybridAdvisory, #HyperPersonalisation, Video Interview
---
### [Objectway interviene al 1° Wealth Management Summit di We Wealth](https://objectway.com/objectway-interviene-al-primo-wealth-management-summit-di-we-wealth/)
**Published:** November 13, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway interviene al Wealth Management Summit di We Wealth per discutere come poter migliorare il servizio di consulenza a disposizione del cliente.
**Content:**
###### NOV 13, 2024
# Objectway interviene al 1° Wealth Management Summit di We Wealth
[Nicola Pepè](https://www.linkedin.com/in/nicola-pep%C3%A8-6569861/)
Objectway, Senior Business Development Manager
Video Interview
[\#CeoTalk](/ceotalk/)[\#Automation](/automation/)[\#Artificialintelligence](/artificial-intelligence/)[\#Clientrelationship]()[\#Hyperpersonalisation](/hyper-personalisation/)
In occasione del primo evento organizzato da We Wealth e dedicato al settore del wealth management italiano, Nicola Pepè, Senior Business Development Manager di Objectway, ha condiviso la sua prospettiva su come poter migliorare il servizio di consulenza a disposizione del cliente e come di conseguenza si modifica la relazione tra investitore e advisor.
Nell’intervento dal titolo “Focus Innovazione: Nuove Piattaforme per il Wealth”, Nicola ha evidenziato come nell’attuale panorama dell’Investment Management, i clienti stiano assumendo un ruolo più attivo, passando da delegatori a validatori informati. Questo cambiamento pone il cliente al centro di nuovi modelli di servizio, dove la collaborazione con l’advisor diventa fondamentale.
La grande quantità di informazioni da gestire ha infatti messo in discussione le modalità di gestione di dati che convergono così all’interno di piattaforme di wealth planning, dove il cliente può controllare in autonomia le diverse anime che costituiscono il percorso d’investimento e l’advisor può fornire un supporto finanziario sfruttando tecnologie di machine learning finalizzate all’ottimizzazione del portafoglio.
“È importante non disintermediare la relazione con il cliente”, prosegue Pepè, sottolineando come piattaforme e tecnologie avanzate possano supportare modelli di servizio innovativi e semplificazione operativa, ad esempio grazie alla transizione verso interfacce vocali tramite l’utilizzo dell’intelligenza artificiale, permettendo così al cliente di ricevere risposte immediate che considerano un what if scenario diverso, aprendo a nuove prospettive di investimento.
Guarda ora la video intervista completa!
**RELATED POST**
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### Il Futuro del Wealth Management: Tecnologia, Personalizzazione e nuovi modelli di Servizio
[](/il-futuro-del-wealth-management-tecnologia-personalizzazione-e-nuovi-strumenti-di-advisory/)
Artificial Intelligence
### AI e GenAI: nuovi strumenti a supporto del WM
[](/artificial-intelligence-e-gen-ai-a-supporto-del-wealth-management/)
Market Trends
### L’effettiva presenza ESG nel Wealth Management
[](/leffettiva-presenza-esg-nel-wealth-management/)
**Categories:** #ArtificialIntelligence, #Automation, #CeoTalk, #ClientRelationship, #HybridAdvisory, #HyperPersonalisation, Video Interview
---
### [Objectway's interview for the Private Banker International: strategy, challenges and future trends](https://objectway.com/karl-im-brahm-discusses-objectway-future-strategies-for-2023-with-private-banker-international/)
**Published:** January 5, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway's interview for the Private Banker International
**Content:**
###### JAN 5, 2023
# Objectway’s interview for the Private Banker International: strategy, challenges and future trends
[Karl im Brahm](https://www.linkedin.com/in/karl-im-brahm/)
CEO BEI Die Software Objectway Group
Video Interview
[\#Artificialintelligence](/artificial-intelligence/)[\#DigitalCollaboration](/digital-collaboration/)[\#Automation](/automation/)[\#ClientCommunication](/clientcommunication/)[\#Onboarding](/onboarding/)[\#Portfoliomanagement](/portfolio-management-h/)
In this interview for Private Banker International Karl im Brahm, CEO Objectway for the DACH Region, discusses the 2023 industry’s trends and how Objectway faces them through its strategy.
The company, having a strong footprint in Europe, Canada, and the Middle East, is now a unique international group able to support all clients with time-to-market interventions, economies of scale and integration, and economies of scope.
Digitalization, Regulatory and Compliance, and Technology are keys to confronting the market complexity, and Objectway is ready. Listen to the full interview here!
**RELATED POST**
About Objectway
### Objectway International Customer Conference 2023: Ready, Steady, Go!
[](/objectway-international-customer-conference-2023-ready-steady-go/)
Market Trends
### Democratising Wealth: A unique business opportunity to impact Wealth Management Today and Shape the Future
[](/democratising-wealth-to-impact-wealth-management-today-and-shape-the-future/)
News
### Objectway recognised again for enabling digital transformation and resilience in financial services
[](https://objectway.com/objectway-recognised-again-for-enabling-digital-transformation-and-resilience-in-financial-services/)
**Categories:** #CeoTalk, #Digitalisation, #OneObjectway, #Sustainableinnovation, Video Interview
---
### [AIPB Forum 2024 – I capitali privati per la crescita: il ruolo del Private Banking](https://objectway.com/aipb-forum-2024-i-capitali-privati-per-la-crescita-il-ruolo-del-private-banking/)
**Published:** November 28, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Gianbattista Geroldi, CEO Italia Objectway, illustra quali sono i fattori che determinano la crescita del mercato del private banking in Italia.
**Content:**
###### NOV 28, 2024
# AIPB Forum 2024 – I capitali privati per la crescita: il ruolo del Private Banking
[Gianbattista Geroldi](https://www.linkedin.com/in/gianbattista-geroldi-070a322a/)
Objectway, CEO Italia
Video Interview
[\#CeoTalk](/ceotalk/)[\#Automation](/automation/)[\#Artificialintelligence](/artificial-intelligence/)[\#Clientrelationship]()[\#Businessdevelopment](/businessdevelopment/)
La 20esima edizione del Forum del Private Banking organizzato da AIPB è stata l’occasione per approfondire e cogliere le best practices che stanno portando l’industria del private banking ad una progressiva evoluzione.
In questa video intervista, Gianbattista Geroldi, CEO Italia Objectway, illustra quali sono i fattori che stanno determinando la crescita del mercato del private banking in Italia, evidenziando come gli attuali modelli di servizio si stiano evolvendo anche per effetto delle innovazioni portate dall’applicazione dell’intelligenza artificiale.
La tecnologia, sottolinea infatti Geroldi, sta diventando sempre più un elemento abilitante per consolidare il rapporto di fiducia tra clienti e consulenti, nonostante il contesto economico volatile ed in continuo cambiamento.
Sicuramente ad oggi nel nostro settore l’innovazione tecnologica è focalizzata sull’intelligenza artificiale che può svolgere un ruolo importante sia nell’automazione dei processi operativi sia nell’offerta di nuovi servizi con un valore aggiunto maggiore.
Ad oggi, quindi, prosegue Geroldi, gli istituti e gli operatori che sapranno cogliere le opportunità generate dall’innovazione tecnologica e dall’evoluzione dei modelli di servizio, saranno in grado di guidare la trasformazione del settore. Un settore nel quale Objectway viene riconosciuto come partner strategico a cui gli operatori si rivolgono per innovare il loro stack strategico e per ottenere consulenza specializzata finalizzata all’ottimizzazione dei processi.
Guarda ora la video intervista completa!
**RELATED POST**
Video Interview
### Objectway interviene al 1° Wealth Management Summit di We Wealth
[](/objectway-interviene-al-primo-wealth-management-summit-di-we-wealth/)
News
### Il wealthtech per la nuova generazione di banche e broker
[](/il-futuro-del-wealth-management-tecnologia-personalizzazione-e-nuovi-strumenti-di-advisory/)
Artificial Intelligence
### AI e GenAI: nuovi strumenti a supporto del WM
[](https://objectway.com/objectway-recognised-again-for-enabling-digital-transformation-and-resilience-in-financial-services/)
**Categories:** #ArtificialIntelligence, #Automation, #BusinessDevelopment, #CeoTalk, #ClientRelationship, Video Interview
---
### [L’hyper-automatisation et l’IA: leviers d’efficacité et de personnalisation](https://objectway.com/lhyper-automatisation-et-lia-leviers-defficacite-et-de-personnalisation/)
**Published:** November 5, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Lors de la dernière édition de l’AM Tech Day 2025, Miroslav Petrov, Directeur Produit chez Objectway, a exploré la manière dont l'IA redéfinit la gestion d’actifs.
**Content:**
###### NOV 6, 2025
# L’hyper-automatisation et l’IA: leviers d’efficacité et de personnalisation
[Miroslav Petrov](https://www.linkedin.com/in/miroslav-petrov-055a5267/)
Product Director, Objectway
Video Interview
[\#Clientrelationship]()[\#Automation](/automation/)[\#Artificialintelligence](/artificial-intelligence/)[\#HybridAdvisory](/hybrid-advisory/)[\#DigitalAdvisory](/digital-advisory/)[\#Onboarding](/onboarding/)
Lors de l’AM Tech Day 2025, Miroslav Petrov, Directeur Produit chez Objectway, a exploré comment l’intelligence artificielle redéfinit la gestion d’actifs, passant d’une phase d’expérimentation à un veritable levier de performance et de valeur ajoutée.
Objectway a renforcé ses agents d’IA, rationalisant les processus internes, autonomisant les conseillers financiers et favorisant une relation client plus personnalisée.
Regardez dès maintenant l’interview complète, dans lequel Miroslav partage sa vision sur:
- Le pouvoir transformateur de l’IA et des technologies axées sur les données dans la gestion de patrimoine et d’actifs
- Les approches innovantes pour accroître l’efficacité opérationnelle et optimiser l’engagement client
- La manière dont les solutions digitales d’Objectway permettent aux institutions financières de rester conformes, centrées sur le client et prêtes pour l’avenir
L’IA et l’hyper-automatisation ne sont plus des promesses: elles façonnent déjà la nouvelle ère de la gestion financière.
**RELATED POST**
Artificial Intelligence
### Objectway at the BEI Workshop on Data and Hyperautomation – Turning technological innovation into practical and sustainable strategies
[](https://objectway.com/artificial-intelligence-objectway-at-the-bei-workshop-on-data-and-hyperautomation-turning-technological-innovation-into-practical-and-sustainable-strategies/)
Artificial Intelligence
### Balancing Innovation and Trust: AI’s Role in Future Advisory Workflows
[](https://objectway.com/balancing-innovation-and-trust-ai-role-in-future-advisory-workflows/)
Artificial Intelligence
### Le potentiel de la GenAI dans les services financiers : Relever les défis et saisir les opportunités
[](https://objectway.com/the-potential-of-gen-ai-in-financial-services-challenges-and-opportunities/)
**Categories:** #ClientRelationship, #DigitalAdvisory, #HybridAdvisory, #Onboarding, Video Interview
---
### [Empowering new opportunities: how current challenging market conditions are shaping the wealth management industry](https://objectway.com/how-current-challenging-market-conditions-are-shaping-the-wealth-management-industry/)
**Published:** June 9, 2023
**Author:** Silvia Boccuzzi
**Content:**
###### JUN 9, 2023
# Empowering new opportunities: how current challenging market conditions are shaping the wealth management industry
[Paola Ragno](https://www.linkedin.com/in/paola-ragno-b612b7195/)
We Wealth Journalist
[Roger Portnoy](https://www.linkedin.com/in/roger-portnoy-a16b67/)
Objectway Chief Strategy Officer
Video Interview
[\#Artificialintelligence](/artificial-intelligence/)[\#DigitalCollaboration](/digital-collaboration/)[\#Automation](/automation/)[\#ClientCommunication](/clientcommunication/)[\#Onboarding](/onboarding/)[\#Portfoliomanagement](/portfolio-management-h/)
Interviewed by We Wealth, Roger Portnoy, Objectway Chief Strategy Officer, provides an insightful perspective on how the wealth management has been evolving during the last years, considering a twisted and turmoiled macro-economic scenario.
Starting from the Objectway and GlobalData joint publication “Unlocking opportunity in challenging times: innovation in Europea financial services”, Roger traces the main steps that the wealth management industry is coping with, outlining its main struggles, given by rising interest rates and lower revenues.
According to this, the European financial services have to rethink their business structure focusing on the following areas:
- Sustainable Innovation, embedding ESG criteria.
- Customer Experience, making it hyper-personalised through AI.
- Offering Evolution, aiming for scalable services.
- Business Re-Configuration, involving outsourcing and cloud services delivery.
Stay tuned for coming video interviews episodes and [download now the Objectway and GlobalData Research!](https://www.objectway.com/unlocking-opportunity-in-challenging-times-globaldata-analyst-research/)
**RELATED POST**
Market Trends
### From Venice to the World at OWIN23: Insights on Sustainable Innovation
[](/from-venice-to-a-universal-future-insights-on-sustainable-innovation-long-term-growth/)
Market Trends
### Sustainable Innovation at Scale: The New Paradigm
[](/sustainable-innovation-at-scale-for-driving-business-growth/)
Video Interview
### How to take advantage of the best of innovation to achieve a long-term sustainable growth
[](/how-to-take-advantage-of-the-best-of-innovation-to-achieve-a-long-term-sustainable-growth/)
**Categories:** #CustomerConference, #Owin, #Sustainability, #Sustainableinnovation, Video Interview
---
### [15. Finanzplatztag June 2022 – Enabling Democratization in Wealth Management](https://objectway.com/finanzplatztag-enabling-democratization-in-wealth-management/)
**Published:** October 21, 2022
**Author:** Silvia Boccuzzi
**Content:**
###### OCT 21, 2022
# 15. Finanzplatztag June 2022 – Enabling Democratization in Wealth Management
[Karl im Brahm](https://www.linkedin.com/in/karl-im-brahm/)
CEO BEI Die Software Objectway Group
[Jörg Birkelbach](https://www.linkedin.com/in/j%C3%B6rg-birkelbach-948aba2/)
Founder of FinanzplanerTV GmbH
Video Interview
[\#DigitalChange](/digitalchange/)[\#Digitalisation](/digitalisation/)[\#ClientExperience](/clientexperience/)[\#OpenFinance](/open-finance/)
Objectway participated to 15. Finanzplatztag discussing how to enable Democratization in Wealth Management, touching the many aspects that are impacting and shaping the next future of Wealth.
In this interview, Karl im Brahm, CEO Objectway DACH region, explains how today the formula of success for wealth management firms, is relying on cloud technology to increase efficiency, scalability and resilience, simultaneously leveraging on a collaborative API ecosystem with an open platform approach, focusing on creating a unique customer journey with a high level of customisation.
**RELATED POST**
Digital Transformation
### Enabling Democratization In Wealth Management
[](/enabling-democratization-in-wealth-management/)
Podcast Spotify
### Democratizing Wealth
[](/podcast-series-wealth-democratisation/)
News
### Objectway recognised again for enabling digital transformation and resilience in financial services
[](https://objectway.com/objectway-recognised-again-for-enabling-digital-transformation-and-resilience-in-financial-services/)
**Categories:** #ClientExperience, #DigitalChange, #Digitalisation, #OpenFinance, Video Interview
---
### [Objectway a SdR2024: Esperienza, Digitalizzazione e Competenza per il mondo Alternative](https://objectway.com/objectway-a-sdr2024-esperienza-digitalizzazione-e-competenza-per-il-mondo-alternative/)
**Published:** April 12, 2024
**Author:** Silvia Boccuzzi
**Content:**
###### APR 12, 2024
# Objectway a SdR2024: Esperienza, Digitalizzazione e Competenza per il mondo Alternative
[Gianbattista Geroldi](https://www.linkedin.com/in/gianbattista-geroldi-070a322a/)
CEO Italy Objectway
[Paolo Bonacina](https://www.linkedin.com/in/paolo-bonacina-b7940541/)
BPO Service Operation Director Objectway
Video Interview
[\#Artificialintelligence](/artificial-intelligence/)[\#DigitalCollaboration](/digital-collaboration/)[\#Automation](/automation/)[\#ClientCommunication](/clientcommunication/)[\#Onboarding](/onboarding/)[\#Portfoliomanagement](/portfolio-management-h/)
Il Salone del Risparmio è oramai divenuto per Objectway un appuntamento fisso e quest’anno abbiamo partecipato alla nuova edizione con una Tavola Rotonda che ha visto esperti del settore confrontarsi sulle preferenze degli investitori, l’andamento della domanda e le opportunità di mercato per il settore dei Fondi di Investimento Alternativi (FIA), e sull’evoluzione di soluzioni tecnologiche che possano rispondere alle esigenze di questi operatori.
In questa occasione, Gianbattista Geroldi, CEO Italia Objectway, e Paolo Bonacina, BPO Service Operation Director Objectway, hanno discusso con Francesco D’Arco, Direttore Responsabile di Advisor, dei nuovi orizzonti verso cui Objectway si sta muovendo in qualità di leader del settore FinTech.
Gianbattista Geroldi ha spiegato che l’obiettivo di Objectway è quello di offrire un servizio sempre più efficiente ai clienti, mettendo a disposizione tutti i vantaggi che derivano dall’applicazione di soluzioni tecnologiche automatizzate, anche basate sull’utilizzo dell’intelligenza artificiale.
In termini di innovazione, Paolo Bonacina ha illustrato i diversi aspetti del business che i gestori possono rendere più efficienti e automatizzare grazie alla tecnologia e a servizi in grado di gestire un’offerta multi-asset sempre più variegata e complessa, nel rispetto delle normative previste dagli organi di vigilanza italiani ed europei. Senza dimenticare le esigenze degli investitori, mettendo a disposizione un Investor Portal per facilitare la relazione tra gestore e cliente.
Infine, Gianbattista Geroldi ha parlato del percorso di internazionalizzazione intrapreso da Objectway, che ha recentemente aperto una finestra sul mercato nordamericano con l’acquisizione di Nest Wealth in Canada, e sulla strategia di offerta di soluzioni in SaaS e BpaaS ai clienti di tutte le geografie in cui il Gruppo opera, sul modello già adottato con successo nel mercato italiano.
Guarda ora la video intervista completa e continua a seguirci: ti aspettiamo al prossimo Salone!
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### The opportunities afforded by AI are many, but explainability may well be the key to uptake
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Digital Transformation
### Objectway at T3 Technology Conference: Unleashing potential through the acquisition of Nest Wealth
[](/objectway-at-t3-technology-conference-unleashing-potential-through-the-acquisition-of-nest-wealth/)
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[](/initial-outlook-for-fintech-in-europe-2024/)
**Categories:** #ArtificialIntelligence, #Automation, #ClientCommunication, #DigitalCollaboration, #Onboarding, #PortfolioManagement, Video Interview
---
### [Oltre la Crisi: il ruolo della tecnologia per promuovere la crescita innovativa del settore finanziario](https://objectway.com/oltre-la-crisi-il-ruolo-della-tecnologia-per-promuovere-la-crescita-innovativa-del-settore-finanziario/)
**Published:** May 23, 2023
**Author:** Silvia Boccuzzi
**Content:**
###### MAY 23, 2023
# Oltre la Crisi: il ruolo della tecnologia per promuovere la crescita innovativa del settore finanziario
[Gianbattista Geroldi](https://www.linkedin.com/in/gianbattista-geroldi-070a322a/)
CEO Italy Objectway
[Stefano Rossi](https://www.linkedin.com/in/gianbattista-geroldi-070a322a/)
Chief Executive Officer Euclidea
Video Interview
[\#Artificialintelligence](/artificial-intelligence/)[\#DigitalCollaboration](/digital-collaboration/)[\#Automation](/automation/)[\#ClientCommunication](/clientcommunication/)[\#Onboarding](/onboarding/)[\#Portfoliomanagement](/portfolio-management-h/)
In occasione della tredicesima edizione del Salone del Risparmio, Gianbattista Geroldi, CEO Objectway Italia e Stefano Rossi, Chief Executive Officer di Euclidea si sono confrontati sul ruolo che la tecnologia ricopre ad oggi nelle principali scelte di investimento compiute dai risparmiatori.
Intervistati da Advisor, mensile italiano dedicato alla consulenza finanziaria, i due interlocutori descrivono l’importanza della sostenibilità per garantire al business finanziario una crescita di lungo periodo, che deve comprendere tecnologie utili e fruibili al cliente finale per la gestione del proprio portafoglio.
Stando ai risultati derivanti dalla ricerca GlobalData, gli istituti finanziari guardano sempre più di buon occhio le soluzioni di outsourcing per offrire servizi SaaS e BpaaS pronti a soddisfare le esigenze dei clienti e modificando di volta in volta le strategie da adottare per assicurare una continua evoluzione del business. Questi e molti altri sono i fattori su cui Objectway ed Euclidea hanno costruito la loro partnership, pronti ad affrontare sfide future e nuovi progetti.
**RELATED POST**
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### Embracing a Digital Mindset for Innovation and Growth
[](/a-new-digital-mindset-in-the-private-wealth-industry/)
Podcast OWIN23
### From rough to polished: Objectway’s Diamond framework for sparkling Wealth Management
[](/objectway-diamond-framework-for-wealth-management/)
Market Trends
### Initial Outlook for Fintech in Europe in 2024
[](/initial-outlook-for-fintech-in-europe-2024/)
**Categories:** Video Interview
---
### [Banche svizzere in Italia: la sfida del 2027, tra regole e mercato](https://objectway.com/banche-svizzere-in-italia-la-sfida-del-2027-tra-regole-e-mercato/)
**Published:** November 26, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Tra poco più di un anno, le banche di Paesi terzi, Svizzera inclusa, potranno operare in Italia attraverso l’apertura di una succursale sul territorio nazionale.
**Content:**
[](/news/)
View all News
# Banche svizzere in Italia: la sfida del 2027, tra regole e mercato
26 Novembre 2025 – Tra poco più di un anno, le banche di Paesi terzi, Svizzera inclusa, potranno operare in Italia attraverso l’apertura di una succursale sul territorio nazionale.
«Per anni il rapporto tra banche svizzere e clientela italiana è stato caratterizzato da un paradosso: da un lato – racconta Adriana Sini, BPO Service Operation Director di Objectway – una elevata domanda di servizi bancari e di investimento cross-border da parte di clienti sofisticati, dall’altro i limiti regolamentari, che obbligavano a varcare fisicamente il confine o a mantenere conti in Svizzera.
Questo scenario sta cambiando, grazie all’accordo tra Banca d’Italia, Consob e FINMA, unito alla prossima entrata in vigore della direttiva europea CRD VI, che richiede alle banche che operano al di fuori dell’area UE di operare in Italia aprendo una succursale bancaria».
Gli operatori elvetici si stanno già muovendo
Oggi le succursali di banche estere rappresentano circa il 6% del totale attivo del sistema bancario italiano (11 miliardi di euro di attivi nel 2022, NdR) e questi numeri sono destinati a crescere con il potenziale ingresso degli operatori svizzeri nel panorama bancario nazionale.
«Aprire una branch in Italia permette di consolidare la retention della clientela, crea le condizioni per un cross-selling efficace e consente di competere su un mercato ad alto potenziale. I player elvetici si stanno già muovendo, valutando, qualora siano già presenti come Sim, come evolvere verso una struttura bancaria, in accordo alla nuova regolamentazione – precisa Sini. Tuttavia, non è sufficiente replicare in Italia il modello operativo della casa madre: servono infrastrutture tecnologiche scalabili e soluzioni di governance per mantenere il controllo operativo senza duplicazioni o inefficienze».
Un back-office glocal
L’apertura di una branch italiana presenta un complesso iter: segnalazioni regolamentari da produrre, calcoli fiscali da applicare, obblighi normativi da rispettare.
«La vera partita si gioca quindi nel back-office – sottolinea Sini. Settlement, clearing, custody, fiscalità e reporting non sono solo adempimenti tecnici e normativi, ma rappresentano la chiave per sviluppare un modello di business solido e competitivo. Il front-end è un layer di relazione: la consulenza, la gestione del portafoglio e i servizi digitali possono essere gestiti in modo centralizzato, così da mantenere l’allineamento con i valori del gruppo. Tuttavia, è nel post-trade che si misura la capacità di garantire una adeguata gestione dei flussi transazionali e di applicare correttamente le regole fiscali. Per questo motivo serve una infrastruttura glocal, capace di coniugare globalizzazione e localizzazione. La sfida non si limita, dunque, al perimetro dei servizi offerti ma implica un ripensamento dei modelli operativi per conciliare due logiche apparentemente opposte: la centralizzazione dei sistemi core, per massimizzare efficienza ed economie di scala, e la localizzazione di processi, dati e reporting, per rispettare le normative italiane in materia di fiscalità, compliance e trasparenza verso la clientela».
La vera partita si gioca quindi nel back-office. Settlement, clearing, custody, fiscalità e reporting non sono solo adempimenti tecnici e normativi, ma rappresentano la chiave per sviluppare un modello di business solido e competitivo.
[](https://www.linkedin.com/in/adriana-sini/)### Adriana Sini
BPO Service Operation Director, Objectway
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
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8 September 2026
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**Tags:** #efficiency, #financialservices, #operationalefficiency, #privatebanking, #regulation
---
### [CRD VI: opportunità e sfide per le banche svizzere in Italia](https://objectway.com/crd-vi-opportunita-e-sfide-per-le-banche-svizzere-in-italia/)
**Published:** November 12, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** CRD 6: opportunità e sfide per le banche svizzere in Italia. A partire dal 2027, le banche dei Paesi extra-UE, Svizzera inclusa, potranno operare in Italia solo aprendo una succursale bancaria.
**Content:**
###### NOV 13, 2025
# CRD VI: opportunità e sfide per le banche svizzere in Italia
[Adriana Sini](https://www.linkedin.com/in/adriana-sini/)
BPO Service Operation Director, Objectway
Video Interview
[\#BackOffice](/back-office/)[\#Automation](/automation/)[\#Artificialintelligence](/artificial-intelligence/)[\#Portfoliomanagement](/portfolio-management-h/)[\#Onboarding](/onboarding/)
In questa nuova puntata di “A Talk To”, Adriana Sini, BPO Service Operation Director Objectway, viene intervistata da We Wealth per confrontarsi su sfide e opportunità che attendono gli operatori del settore bancario nel momento in cui, a partire dal 10 gennaio 2027, le banche dei paesi extra-UE – Svizzera inclusa – potranno operare in Italia soltanto aprendo una succursale bancaria.
Questa novità viene introdotta per effetto della direttiva europea CRD6 che interviene ulteriormente nella regolamentazione del rapporto tra banche svizzere e clientela italiana, da sempre caratterizzato da paradossi a livello regolamentare.
L’esperta, però, sottolinea come sia necessario per gli operatori che arriveranno sul territorio italiano, ripensare i propri modelli operativi per conciliare logiche tra di loro apparentemente opposte:
- Centralizzazione dei sistemi core, per massimizzare efficienza ed economie di scala.
- Localizzazione di processi, dati e reporting, per rispettare le normative italiane in materia di fiscalità, compliance e trasparenza verso la clientela.
È qui che entrano in gioco infrastrutture tecnologiche scalabili per offrire un servizio di qualità e costruire gradualmente un rapporto di fiducia stabile con la clientela italiana che i nuovi operatori vogliono conquistare.
Per Adriana, quindi, la partita del successo si gioca sul sistema del Back Office, dove arrivano i flussi transazionali della clientela. Quindi il Back Office diventa una leva competitiva indispensabile per il successo di queste iniziative.
Affidarsi a un partner strategico con competenze tecnologiche e regolamentari è la strada per ridurre complessità, trasformarla in vantaggio competitivo e conquistare maggiore market share nel mercato italiano.
**RELATED POST**
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### Banche svizzere e mercato italiano: tra opportunità ed evoluzione operativa
[](https://objectway.com/banche-svizzere-e-mercato-italiano-tra-opportunita-ed-evoluzione-operativa/)
News
### SMA, il modello integrato che unisce consulenza evoluta e gestione
[](https://objectway.com/sma-il-modello-integrato-che-unisce-consulenza-evoluta-e-gestione/)
Video Interview
### Il futuro del wealth management: efficienza, personalizzazione, innovazione tecnologica e dei modelli di servizio
[](https://objectway.com/efficienza-personalizzazione-e-innovazione-tecnologica-guidano-la-crescita-della-domanda-di-nuovi-modelli-di-servizio-nel-settore-private-e-wealth-management/)
**Categories:** #ArtificialIntelligence, #Automation, #BackOffice, #ClientRelationship, #PortfolioManagement, Video Interview
---
### [Banken: REGULATORIK ALS INNOVATIONSQUELLE?](https://objectway.com/banken-regulatorik-als-innovationsquelle/)
**Published:** November 11, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Neue gesetzliche Vorgaben stellen Banken von Echtzeitzahlungen über Nachhaltigkeitsberichte bis hin zu verkürzten Wertpapierabwicklungen vor enorme Herausforderungen. Viele Häuser müssen ihre IT-Systeme anpassen, ohne den laufenden Betrieb zu stören.
**Content:**
[](/news/)
View all News
# Banken: REGULATORIK ALS INNOVATIONSQUELLE?
11\. November 2025 – Neue gesetzliche Vorgaben stellen Banken von Echtzeitzahlungen über Nachhaltigkeitsberichte bis hin zu verkürzten Wertpapierabwicklungen vor enorme Herausforderungen. Viele Häuser müssen ihre IT-Systeme anpassen, ohne den laufenden Betrieb zu stören.
Um das Problem zu bewältigen, haben wir einen kooperativen Ansatz zur Regulierung entwickelt und das „Regulatory Update Board“ ins Leben gerufen: einen regelmäßigen, strukturierten Workshop, in dem Experten verschiedener Institute ihre Erfahrungen teilen, neue Regulierungen frühzeitig bewerten und deren Umsetzung in Bankensysteme koordinieren. So werden gesetzliche Pflichten nicht nur erfüllt, sondern zu einem strategischen Vorteil.
Eine ungebremste Welle an gesetzlichen Neuerungen
Die Welle gesetzlicher Neuerungen im Finanzsektor rollt ungebremst und belastet die Institute finanziell. Laut einer Studie von LexisNexis Risk Solutions sind die Ausgaben deutscher Banken für die Umsetzung gesetzlicher Vorgaben zwischen 2020 und 2023 um rund 20 Prozent auf 57,1 Milliarden US-Dollar gestiegen. Allein 2025 veränderten mehrere große Projekte die regulatorische Landschaft: CSRD, SEPA Instant Payments und das CSDR-Refit erfordern tiefgreifende Anpassungen von IT-Systemen, Schnittstellen und Prozessen bei gleichzeitigem Kostendruck. Viele Entscheidungsträger reagieren immer noch nur auf neue Vorschriften. Der entscheidende Punkt ist, diese proaktiv zu nutzen und sie nicht nur als Pflicht, sondern als Chance für Innovation und Effizienz zu betrachten. Basierend auf diesem Ansatz haben wir das „Regulatory Update Board“ entwickelt. Dabei handelt es sich um eine strukturierte, regelmäßig stattfindende Zusammenkunft von Objectway-Experten, Spezialisten der teilnehmenden Finanzinstitute und externen Fachexperten, die ihr Wissen bündeln, Maßnahmen priorisieren und gemeinsame Umsetzungsstrategien definieren. Gemeinsam arbeiten sie an der Erstellung der sogenannten „Regulatory Roadmap“, in der bevorstehende regulatorische Entwicklungen identifiziert, bewertet und anschließend im Rahmen von Zeit, Umfang und Budget umgesetzt werden. Die Einhaltung gesetzlicher Vorschriften wird häufig nur als Hindernis angesehen, das den Geschäftsbetrieb verlangsamt. Dabei kann sie in der Realität als Katalysator für die Wertschöpfung dienen. Und genau das erreichen wir, wenn Banken ihr Wissen bündeln, anstatt isoliert zu agieren. Die Teilnehmenden werden ermutigt, ihre interne Analyse im Voraus durchzuführen, um ein besseres Verständnis für die sich abzeichnenden Herausforderungen zu gewinnen. Das Board erleichtert offene Diskussionen und die Bildung von fokussierten Arbeitsgruppen, die gemeinsam die Zielarchitektur definieren, operative und Compliance-Lücken identifizieren und gemeinsam effektive Lösungen entwickeln.
Das Ende der Ad-hoc-Compliance?
Der entscheidende Fehler vieler Banken besteht darin, dass sie erst dann mit der Umsetzung neuer Vorschriften beginnen, wenn diese rechtsverbindlich geworden sind. Dabei dauert der durchschnittliche Gesetzgebungsprozess im EU-Finanzsektor etwa 22 Monate – die vollständige Umsetzung, einschließlich delegierter Rechtsakte, kann mehrere Jahre in Anspruch nehmen. Wer nur reagiert, hat wenig Zeit, um IT-Systeme anzupassen, Schnittstellen zu aktualisieren oder interne Prozesse effizient zu planen. Deshalb plant die Regulatory Roadmap von Objectway weit im Voraus. Gesetzesentwürfe werden bereits in der Planungs- oder Konsultationsphase erfasst. Die teilnehmenden Banken können dann gemeinsam mit unseren Experten frühzeitig technische Änderungen vorbereiten, Ressourcen effizient nutzen und strategische Prioritäten setzen. So wird Compliance von einem reaktiven Pflichtthema zu einem kontinuierlichen, vorausschauenden Prozess. Das verschafft den Banken mehr Zeit, größere Sicherheit und einen Wettbewerbsvorteil.
Regulatorische Co-Creation für Wachstum in der Branche
Es ist nicht nur wichtig, was das „Regulatory Board“ diskutiert, sondern auch, wer an der Diskussion der wichtigsten Entwicklungen beteiligt ist. In diesem Format treffen sich daher ausgewählte Bankmanager, die für Compliance-Angelegenheiten zuständig sind, mit Experten von Objectway und Vertretern von EU-Regulierungsbehörden sowie Rechts- und Steuerspezialisten. Sie analysieren die unterschiedlichen Auslegungen neuer Richtlinien, diskutieren praktische Umsetzungsmöglichkeiten und entwickeln konkrete Vorschläge für Software- und Prozessanpassungen – mit anderen Worten: Lösungen, von denen alle teilnehmenden Finanzinstitute profitieren können. Dadurch entsteht eine Form der „regulatorischen Co-Kreation“: ein kooperativer Ansatz, der Wettbewerb durch Zusammenarbeit ersetzt. Anstatt dass jede Bank ihre eigenen Regeln interpretiert, entsteht ein gemeinsames Wissensnetzwerk, fast wie ein Hub für regulatorische Innovationen. Dieses gebündelte Fachwissen reduziert den Aufwand für die individuelle Auslegung und Systemintegration für jedes einzelne Unternehmen. Auf diese Weise kombiniert Objectway das Wissen von Banken, internen Regulierungsteams und externen Partnern zu einem Ökosystem, das die Vorschriften einhält und gleichzeitig den Wandel beschleunigt. Vorschriften sind kein Hindernis, sondern der Schrittmacher für die nächste Phase der digitalen Transformation. Wer sie klug nutzt, verwandelt Verpflichtungen in Mehrwert.
Objectway hat einen kooperativen Ansatz für die Regulierung entwickelt und das „Regulatory Update Board“ eingerichtet: einen regelmäßigen, strukturierten Workshop, in dem Experten verschiedener Institute ihre Erfahrungen austauschen, neue Vorschriften zeitnah bewerten und deren Umsetzung in den Bankensystemen koordinieren. Auf diese Weise werden gesetzliche Verpflichtungen nicht nur eingehalten, sondern auch zu einem strategischen Vorteil.
[](https://www.linkedin.com/in/alberto-cuccu-21a401/)### Alberto Cuccu
Chief Operating Officer, Objectway
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Article
**Tags:** #artificialintelligence, #efficiency, #financialservices, #operationalefficiency, #wealth-management-trends
---
### [WealthTech Matters - Autumn 20256th November 2025](https://objectway.com/wealthtech-matters-autumn-2025/)
**Published:** November 6, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway sponsors the WealthTech Matters Forum, bringing together leading technology providers and practical insights to drive innovation in the wealth management industry.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# WealthTech Matters – Autumn 2025
6th November 2025 – Objectway is proud to sponsor the WealthTech Matters Forum, bringing together leading technology providers and practical insights to drive innovation in the wealth management industry.
## Agenda
Thursday, 6th November 2025
8:30 a.m. – 4.00 p.m.
How digital strategies, AI and data can drive growth
Tariq Khan, Head of Sales & Business Development, Objectway
Wealth managers face mounting pressure to deliver operational excellence, enhance client experiences, and retain relevance in an evolving marketplace. As firms embrace AI, CRM enhancements, and advanced data strategies, how can they ensure their investments deliver sustainable value rather than costly transformation failures?
**Tariq Khan, Objectway’s Head of Sales & Business Development**, will join a roundtable discussion exploring how leading UK wealth managers are driving their digital transformation – from integrating AI to achieving secure and scalable growth.
The session will take a closer look at:
- How are firms leveraging AI integration and data insights to enhance efficiency and deliver superior client outcomes.
- The role of digital tools in today’s competitive landscape.
- Overcoming organisational and cultural resistance to digital change.
- Future-proofing your firm’s digital strategy in the era of intergenerational wealth transfer.
## Event Information
Thursday, 6th November 2025, SEI Investments, Finsbury Square, London EC2A 1BR
Get ready for a day like no other — where COOs, CTOs, CIOs, and their teams from leading Wealth Managers, Private Banks, DFMs, Advisers, and MFOs come together to challenge the status quo, spark innovation, and explore the technology shaping the future of wealth management. **[Request an invitation today!](https://www.owenjamesevents.com/events/wealthtech-matters-autumn-2025)**
## Speakers
Tariq Khan
Tariq is Client Development Director at Objectway and he leads the Business Development and Account Management teams. Tariq is passionate about Wealth management sector and has been working with Wealth Managers for over 15 years, with the prime focus on delivering outstanding client outcomes. He and his team try and achieve this by forming long term partnerships with firms and enabling them to improve their user and end client experience, operational efficiency, and become future ready through Objectway’s digital solutions. Tariq studied Physiology at Kings College London and he holds the Islamic Finance Qualification.
## Related
[All](#)[\#about-objectway](#)[\#client-relationship](#)[\#financialservices](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
Yes, I want to receive updates about Objectway events and products. I have read and agree with the [Privacy Policy & Terms of Use]()
Your brand company
**Categories:** Event
**Tags:** #bankingadministration, #customerexperience, #privatebanking
---
### [AIPB Forum 20255 Novembre 2025](https://objectway.com/aipb-forum-20255-novembre-2025/)
**Published:** November 5, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway partecipa alla nuova edizione dell'AIPB Forum dedicato al mondo del Private Banking. L'evento annuale sarà dedicato al ruolo del risparmio privato.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# AIPB Forum 2025
5 Novembre 2025 – Objectway partecipa alla XXI Edizione del Forum Private Banking organizzato da AIPB.
## Agenda
5 Novembre 2025
09:00 – 14:00
XXI Forum del Private Banking – Savings & Investments Union: il ruolo del risparmio privato
Objectway parteciperà come sponsor alla nuova edizione del Forum del Private Banking con lo scopo di approfondire e cogliere le best practices che stanno portando l’industria del private banking ad una progressiva evoluzione.
Quest’anno l’evento sarà dedicato al tema del risparmio privato per la competitività europea e alle tendenze più rilevanti nella gestione professionale dei patrimoni privati.
Per l’occasione, si riuniranno i principali operatori del settore del Private Banking, insieme a rappresentanti delle Istituzioni, del mondo accademico e autorevoli opinion leader per un confronto sulle prospettive del settore.
Objectway, in qualità di partner strategico nella trasformazione digitale di banche private, asset e wealth managers, pone particolare attenzione a questi aspetti, nell’ottica di incentivare e migliorare l’onboarding e l’engagement dei clienti finali.
Vieni a trovarci: l’accesso è riservato agli Associati.
## Event Information
Mercoledì 5 Novembre 2025
## Conference Delegates
Gianbattista Geroldi
Gianbattista leads Objectway’s Italian business and is part of the board of directors of the group, as CEO Italy. With more than 20 years of experience in the financial services industry, Gianbattista held senior management position in investment service software company before joining Objectway. He has successfully driven the operation and sales of several business across the wealth and asset management industry, consolidating the leadership of Objectway’s solutions in the Italian market.
Nicola Pepè
Nicola has been working for Objectway for more than 10 years and in 2019 he has become Senior Business Development Manager for ITO Sales Management League. Customer support, competition analysis and management of the different phases of release and development of the main operating platforms, are just some of the areas where Nicola operates.
## Related
[All](#)[\#about-objectway](#)[\#client-relationship](#)[\#financialservices](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
Yes, I want to receive updates about Objectway events and products. I have read and agree with the [Privacy Policy & Terms of Use]()
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**Categories:** Event
**Tags:** #bankingadministration, #customerexperience, #privatebanking
---
### [Artificial Intelligence Balancing Innovation and Trust: AI's Role in Future Advisory Workflows](https://objectway.com/balancing-innovation-and-trust-ai-role-in-future-advisory-workflows/)
**Published:** October 28, 2024
**Author:** Lorenzo Noventa
**Excerpt:** At Unblu Impact Day 2024 Objectway debated AI’s role in shaping the transformation of advisory workflows, considering the balance between innovation and trust.
**Content:**
###### Oct 28, 2024
# Balancing Innovation and Trust: AI’s Role in Future Advisory Workflows
[Miroslav Petrov](https://www.linkedin.com/in/miroslav-petrov-055a5267/?originalSubdomain=fr)
PRODUCT DIRECTOR – INVESTMENT COMPLIANCE OBJECTWAY
Artificial Intelligence
- [ENG](#tab-1762422190326-3)
- [FR](#tab-1762422190379-2)
[\#OpenApi](/open-api/)[\#Artificialintelligence](/artificial-intelligence/)[\#Automation](/automation/)[\#Businessdevelopment](/businessdevelopment/)[\#Clientrelationship]()[\#Digitalisation](/digitalisation/)[\#Onboarding](/onboarding/)
Objectway participated in the Unblu Impact Day 2024, held in Zurich this past September, contributing to insightful discussions on the future of digital customer engagement and sharing expertise on leveraging innovation in financial services. The event gathered industry experts and technology leaders to explore the implications of emerging AI regulations, human-digital collaboration, conversational AI and the balance between innovation and trust.
Roundtables highlighted the growing demand for omnichannel customer experiences, with a focus on the critical role of trust and personalization in digital interactions. Presentations also examined the evolving role of physical bank branches, considering their potential to serve as experience hubs that bridge the digital and physical worlds and provide seamless collaboration.
During the Industry View keynote, Objectway spotlighted the role of AI innovation in shaping the transformation of advisory workflows. AI adoption is gaining significant momentum as it continues to lead investment priorities for global business leaders, with 64% of CEOs identifying AI as their top focus (KPMG’s 2024 CEO Outlook). The potential economic impact is substantial, as projections show that GenAI could boost global GDP by up to 10% over the next decade (JP Morgan Research). AI is redesigning core functions such as customer prospecting, onboarding and servicing where efficiency and personalization are essential.
Challenges in advisory workflows include considerable time spent on administrative tasks, the inefficiency of switching between multiple systems, and the lack of sufficient time for client-facing activities. Tools using AI-generated content can streamline workflows for wealth managers by consolidating internal knowledge, providing real-time insights, enhancing document processing, and automating data entry and reporting. Impact is measured in reducing cost of support, modernizing relationship and customer base growth.
Generative AI’s core capabilities – such as content enhancement and translation, semantic analysis and attribute control, imitation-based and conceptual creation – are reshaping how businesses engage with clients. These capabilities help capture user attention, generate continuous dialogue and improve data accuracy. Moreover, AI’s ability to understand context is enhancing human communication by summarizing complex data in easy-to-digest formats.
A significant advancement in AI technology is its evolution toward multi-modal formats, which combines text, images, audio, video, and can generate code. This capability is significantly enhancing digital interactions in financial services, allowing for more engaging, interactive client experiences. The potential synergies between AI and other emerging technologies and business models – such as the API Economy, Cloud computing,and Distributed Ledger Technology (DLT) – is driving the next wave of digital transformation. These technologies enable seamless integration and automation, allowing firms to enhance customer interactions, streamline operations, and improve regulatory compliance.
However, the adoption of AI still faces significant barriers, with the top challenge being the accurate estimation and demonstration of AI’s value. Despite AI’s transformative potential, many organizations struggle to quantify its return on investment. Assessing both the feasibility and long-term value of AI initiatives is essential for businesses aiming to capitalize on these technological capabilities while maintaining trust and operational integrity.
In conclusion, the rise of AI brings divergent concerns: some are apprehensive about potential risks such as data privacy or misuse, while others are concerned that not adopting AI early enough could result in a loss of competitive advantage and growth. The challenge lies in finding the right balance and creating a strategy that integrates AI into daily workflows, ensuring both efficiency and security.
[\#OpenApi](/open-api/)[\#Artificialintelligence](/artificial-intelligence/)[\#Automation](/automation/)[\#Businessdevelopment](/businessdevelopment/)[\#Clientrelationship]()[\#Digitalisation](/digitalisation/)[\#Onboarding](/onboarding/)
Objectway a participé à l’Unblu Impact Day 2024, qui s’est tenu à Zurich en septembre dernier, contribuant aux discussions sur l’avenir de la digitalisation de l’engagement des clients et partageant son expertise sur l’innovation dans les services financiers. L’évènement a réuni des experts de l’industrie et des leaders technologiques pour explorer les implications des nouvelles régulations de l’IA, de la collaboration homme-machine, de l’IA conversationnelle et de l’équilibre entre innovation et confiance.
Les tables rondes ont mis en avant la demande croissante d’expériences client omnicanal, avec un accent particulier sur le rôle crucial de la confiance et de la personnalisation dans les interactions digitales. Les présentations ont également examiné l’évolution du rôle des agences bancaires physiques, en considérant leur potentiel à devenir des hubs d’expérience client qui relient les mondes digital et physique et facilitent une collaboration fluide.
Lors de sa présentation sur l’avenir de l’industrie, Objectway a mis en lumière le rôle de l’innovation en matière d’IA dans la transformation des workflows de conseil financier. L’adoption de l’IA prend un élan considérable, car elle reste au premier plan des priorités d’investissement des dirigeants d’entreprises à l’échelle mondiale, avec 64 % des PDG identifiant l’IA comme leur principale priorité (KPMG’s 2024 CEO Outlook). L’impact économique potentiel est substantiel, avec des projections montrant que l’IA générative pourrait augmenter le PIB mondial de jusqu’à 10 % au cours de la prochaine décennie (JP Morgan Research). L’IA redéfinit des fonctions clés telles que la prospection client, l’onboarding et le service, où l’efficacité et la personnalisation sont essentielles.
Les défis dans les processus de conseil financier incluent le temps conséquent passé sur des tâches administratives, l’inefficacité des transitions entre plusieurs systèmes, et le manque de temps pour des activités axées sur les clients. Les outils utilisant du contenu généré par l’IA peuvent rationaliser les workflows des gestionnaires de patrimoine en consolidant les connaissances internes, en fournissant des informations en temps réel, en améliorant le traitement des documents et en automatisant la saisie de données et le reporting. L’impact se mesure par la réduction des coûts de support, la modernisation des relations et la croissance de la base client.
Les capacités clés de l’IA générative – telles que l’amélioration et la traduction de contenu, l’analyse sémantique et l’identification des caractéristiques, la création basée sur l’imitation et la création conceptuelle – redéfinissent la manière dont les entreprises interagissent avec leurs clients. Ces capacités aident à capter l’attention des utilisateurs, à générer un dialogue continu et à améliorer l’exactitude des données. De plus, la capacité de l’IA à comprendre le contexte améliore la communication humaine en résumant des données complexes dans des formats faciles à comprendre.
Un avancement significatif de la technologie IA est son évolution vers des modèles multi-modaux, qui combinent texte, images, audio, vidéo et peuvent générer du code. Cette capacité améliore considérablement les interactions digitales dans les services financiers, permettant des expériences client plus engageantes et interactives. Les synergies potentielles entre l’IA et d’autres technologies émergentes et modèles économiques – tels que l’économie des API, le Cloud, et les registres distribués de données (DLT) – alimentent la prochaine vague de transformation digitale. Ces technologies permettent une intégration et une automatisation transparentes, permettant aux entreprises d’améliorer les interactions avec les clients, de rationaliser les opérations et d’assurer la conformité réglementaire.
Cependant, l’adoption de l’IA rencontre encore des obstacles significatifs, le principal défi étant l’estimation précise et la démonstration de la valeur de l’IA. Malgré le potentiel transformateur de l’IA, de nombreuses organisations peinent à quantifier son retour sur investissement. L’évaluation de la faisabilité et de la valeur à long terme des initiatives en IA est essentielle pour les entreprises cherchant à tirer parti de ces capacités technologiques tout en maintenant la confiance et l’intégrité opérationnelle.
En conclusion, l’essor de l’IA suscite des préoccupations divergentes : certains appréhendent les risques potentiels, tels que la confidentialité des données ou les abus, tandis que d’autres craignent que ne pas adopter l’IA suffisamment tôt puisse entraîner une perte d’avantage concurrentiel et de croissance. Le défi réside dans la recherche du bon équilibre et dans l’élaboration d’une stratégie intégrant l’IA dans les processus quotidiens, en garantissant à la fois efficacité et sécurité.
**RELATED POST**
Digital Trasformation
### Optimisation de l’Engagement Client et Valorisation du Conseil Financier: Objectway au Forum de la Gestion Privée 2024
[](/optimising-customer-engagement-and-enhancing-the-value-of-financial-advice-objectway-at-forum-de-la-gestion-privee-2024/)
Digital Trasformation
### Engaging the Next Generation of Investors: Embracing Digital Innovation for Lasting Impact
[](/engaging-the-next-generation-of-investors-through-digital-innovation/)
Artificial Intelligence
### Le potentiel de la GenAI dans les services financiers : Relever les défis et saisir les opportunités
[](/the-potential-of-gen-ai-in-financial-services-challenges-and-opportunities/)
**Categories:** #Api, #ArtificialIntelligence, #Automation, #BusinessDevelopment, #Digitalisation, #Onboarding, Artificial Intelligence, Blog
---
### [AM Tech Day 20254th November 2025](https://objectway.com/am-tech-day-20254th-november-2025/)
**Published:** November 4, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway is partner of L’Agefi for the 16th Edition of AM Tech Day 2025.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# AM Tech Day 2025
4th November 2025 – Objectway is partner of L’Agefi for the 16th Edition of AM Tech Day 2025. The Conference event brings together asset managers and private bankers to take part to insightful discussions focused on the role of AI in 2025.
## Agenda
Tuesday, 4th November 2025
8:30 AM – 7:00 PM
AI in 2025: How to chart the path to scale?
Kurt Vanhee, League Managing Director, Objectway
Miroslav Petrov, Product Director, Objectway
Objectway is pleased to participate in AM Tech Day 2025, the leading event in France dedicated to innovation and technology in Asset Management.
In 2025, AI is reshaping asset management, moving from experimentation to real-world impact. It drives operational efficiency, enhances risk management, and supports more personalized client engagement.
AI agents are streamlining internal processes, while data-driven tools improve fund distribution and empower financial advisors. At the same time, firms face rising concerns around cybersecurity, data governance, and the need for specialized talent.
Balancing innovation, risk, and ethics is now essential to unlock AI’s full potential in the industry.
Join us at our networking booth to connect with our experts and learn more about our solutions.
We invite you to stop by and discuss:
- The transformative role of AI and data-driven technologies in wealth and asset management
- Innovative approaches to operational efficiency and client engagement
- How Objectway solutions are helping firms embrace digital evolution while staying compliant and client-centric
Whether you’re looking to explore new technologies, share insights, or simply expand your professional network, we look forward to meeting you in Paris.
Let’s shape the future of asset management—together.
## Event Information
Tuesday, 4th November 2025, Palais Brongniart, 16 Place de la Bourse, 75002 Paris
We’re looking forward to meeting you in Paris!
## Speakers
Kurt Vanhee
Kurt has joined Objectway in 2013 and since April 2020 he has become Objectway Managing Director Continental Europe & North America. Over the years, he has acquired in-depth knowledge and skills in the wealth management, IT, customer delivery and business development activities, working within different international and cutting-edge environments. His nearly 30-years career has always been focused on a customer-centric approach for both large and medium-size financial organizations.
Miroslav Petrov
Miroslav is a Product Director and Investment Compliance expert at Objectway. He has 20 years of experience in designing and delivering IT solutions for Investment Managers and Asset Servicers across France, EMEA and North America. Prior to joining Objectway he was Head of Innovation and co-founder of a RegTech company providing end-to-end automation of Fund compliance processes. Miroslav holds a Master degree in Business Informatics from Paris Dauphine University.
## Related
[All](#)[\#digital-change](#)[\#digital-transformation](#)[\#wealth-management](#)[\#wealthtech](#)
[„Deutschland ist noch etwas altmodisch unterwegs“](https://objectway.com/abn-amro-und-hauck-aufhauser-lampe-fusionieren-zur-drittgrosten-privatbank-deutschlands/)[Article](https://objectway.com/category/article-genitore/article-glo/)### „Deutschland ist noch etwas altmodisch unterwegs“
4 August 2026
[Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen](https://objectway.com/skalierungslucke-warum-ki-investitionen-an-der-kundenschnittstelle-verpuffen/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen
4 August 2026
[OWIN26: as-a-service e AI per trasformare la complessità in efficienza](https://objectway.com/owin26-as-a-service-e-ai-per-trasformare-la-complessita-in-efficienza/)[Article](https://objectway.com/category/article-genitore/article-glo/)### OWIN26: as-a-service e AI per trasformare la complessità in efficienza
8 July 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
Yes, I want to receive updates about Objectway events and products. I have read and agree with the [Privacy Policy & Terms of Use]()
Your brand company
**Categories:** Event
**Tags:** #digitaltransformation, #investmentmanagers, #oneobjectway, #wealth-management
---
### [MoneyLIVE Nordic Banking28th - 29th October 2025](https://objectway.com/moneylive-nordic-banking28th-29th-october-2025/)
**Published:** October 25, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway is delighted to invite you to MoneyLive Nordic Banking Conference in Copenhagen to explore how banks can rearchitect their systems to tap on emerging opportunities.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# MoneyLIVE Nordic Banking
28th – 29th October 2025 – MoneyLIVE Nordic Banking Conference unites top leaders to discuss the future of banking and payments. Will you be part of the conversation? Request an invitation today!
## Agenda
28th October 2025
11:15 AM – 12:15 PM CET
Executive Roundtable – The Megatrends driving modernisation
Karl im Brahm, CEO DACH Region, Objectway
At the end of October, Objectway is delighted to invite you to an exclusive **Executive Roundtable** in **Copenhagen**, where we will explore how banks can strategically rearchitect their systems to capitalise on emerging market opportunities and accelerate digital transformation.
Competitive pressures to modernise have never been greater. **AI** and **data-driven personalisation** offer significant opportunities, but only for the banks with the right architectures in place to seize them. At the same time, the rise of open banking and the digital fintech ecosystem is necessitating open architectures that can enable seamless third-party integrations, demonstrating how interlinked technology and market structure have become. To rise to these opportunities, banks must redesign core systems to leverage APIs, cloud and composable, modular solutions, to unlock a new wave of digitalisation and ecosystem building, all within a wider framework of effective risk and social governance practices.
**Karl im Brahm, CEO DACH Region Objectway**, will contribute to a high-level dialogue exploring the transformative trends imperative for banks to revamp their core architectures.
Reserve your place today to gain insights on:
- The megatrends reshaping banking and their implications for modernisation
- How core systems must be modernised to meet AI’s data and processing needs
- The key considerations in architecture design to facilitate open banking, modular services and optimisation
- How governance frameworks and strategies must adapt to ensure sustainable transformation
This roundtable is designed for senior figures working across banking and financial services.
**[Fill in the short form available here.](https://moneylive-insights.com/roundtables/the-megatrends-driving-modernisation/#agenda)** All the invitations requests will be evaluated by the organiser.
## Event Information
28th – 29th October 2025, Bella Center, Center Boulevard 9 – Entrance 3, 2300 Copenhagen S
We’re looking forward to meeting you in Copenhagen!
## Speakers
Karl im Brahm
Karl leads the German-speaking Private Banking and Wealth Management Markets as Objectway CEO DACH Region and Banking Practice Leader. He brings more than 28 years of experience in the Banking Sector, with with a deep-rooted experience in delivering digital transformation projects and supervising Client Management and Business Development teamworks. He has gained a Business Degree from University of Bonn in 1993.
## Related
[All](#)[\#digital-change](#)[\#digital-transformation](#)[\#wealth-management](#)[\#wealthtech](#)
[„Deutschland ist noch etwas altmodisch unterwegs“](https://objectway.com/abn-amro-und-hauck-aufhauser-lampe-fusionieren-zur-drittgrosten-privatbank-deutschlands/)[Article](https://objectway.com/category/article-genitore/article-glo/)### „Deutschland ist noch etwas altmodisch unterwegs“
4 August 2026
[Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen](https://objectway.com/skalierungslucke-warum-ki-investitionen-an-der-kundenschnittstelle-verpuffen/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen
4 August 2026
[OWIN26: as-a-service e AI per trasformare la complessità in efficienza](https://objectway.com/owin26-as-a-service-e-ai-per-trasformare-la-complessita-in-efficienza/)[Article](https://objectway.com/category/article-genitore/article-glo/)### OWIN26: as-a-service e AI per trasformare la complessità in efficienza
8 July 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
Yes, I want to receive updates about Objectway events and products. I have read and agree with the [Privacy Policy & Terms of Use]()
Your brand company
**Categories:** Event
**Tags:** #digitaltransformation, #investmentmanagers, #oneobjectway, #wealth-management
---
### [Unleashing the full potential of Data, AI, and Strategic Parterships to exceptional Customer Experience](https://objectway.com/unleashing-the-full-potential-of-data-ai-and-strategic-parterships-to-exceptional-customer-experience/)
**Published:** September 5, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** In this interview Nico Permentier, KBC Bank Head of UX Creation and Services Design, defines the role of AI in their business organization and how it has improved customer experience.
**Content:**
###### SEPT 5, 2023
# Unleashing the full potential of Data, AI, and Strategic Parterships to exceptional Customer Experience
[Nico Permentier](https://www.linkedin.com/in/nico-permentier-691a509/)
Head of UX Creation & Services Design, KBC Bank
Video Interview
[\#OWIN](/owin/)[\#Customerconference](/customer-conference/)[\#Artificialintelligence](/artificial-intelligence/)[\#Clientrelationship]()[\#Automation](/automation/)
In this interview Nico Permentier, KBC Bank Head of UX Creation and Services Design, defines the role of AI in their business organization and how it has improved customer experience.
The latest result of the partnership with Objectway is Kate, the artificial intelligence that enables KBC to capture their customers’ requests and thus make their operational process more efficient.
These data are “KBC electricity”, the fuel that enables KBC to solve customers’ requests and meet their needs. These and many more will be the benefits of AI in the ongoing partnership with Objectway.
**RELATED POST**
Video Interview
### Empowering Advisory Services: Novobanco’s Journey with Objectway
[](/empowering-advisory-services-novobancos-journey-with-objectway/)
Market Trends
### Top Emerging Technologies in Wealth Management 2023
[](/top-emerging-technologies-in-wealth-management-2023/)
Video Interview
### KBC Securities Services & Objectway: A Strategic Partnership to Maximize Expertise and Amplify Efficiency
[](/kbc-securities-services-objectway-a-strategic-partnership-to-maximize-expertise-and-amplify-efficiency/)
**Categories:** #ClientRelationship, #CustomerConference, #DigitalAdvisory, #Esg, #Mifid, #Owin, Video Interview
---
### [Crafting a Roadmap for Successful Innovation and Client Partnership in Financial Services](https://objectway.com/crafting-a-roadmap-for-successful-innovation-and-client-partnership-in-financial-services/)
**Published:** June 6, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Dr. Alexander Cassar, Objectway Chief Business Operation Officer, delves into the Objectway Innovation Diamond framework, describing its four main parts: customer experience, offering evolution, business re-configuration and sustainability.
**Content:**
###### JUN 06, 2023
# Crafting a Roadmap for Successful Innovation and Client Partnership in Financial Services
[Dr. Alexander Cassar](https://www.linkedin.com/in/sandrocassar/)
Objectway Chief Business Operation Officer
Video Interview
[\#Businessdevelopment](/businessdevelopment/)[\#OneObjectway](/one-objectway/)[\#Workspace](/workspace/)
Dr. Alexander Cassar, Objectway Chief Business Operation Officer, delves into the Objectway Innovation Diamond framework, describing its four main parts: customer experience, offering evolution, business re-configuration and sustainability. This process accompanies the client to a long-term sustainable growth and makes Objectway a valued partner of the whole transformation journey. Considering this, technology is fundamental, but it becomes a real enabler through an enterprise-wide approach where everyone must be aligned and focus on the same goal.
**RELATED POST**
Market Trends
### From Venice to the World at OWIN23: Insights on Sustainable Innovation
[](/from-venice-to-a-universal-future-insights-on-sustainable-innovation-long-term-growth/)
Market Trends
### Sustainable Innovation at Scale: The New Paradigm
[](/sustainable-innovation-at-scale-for-driving-business-growth/)
Video Interview
### How to take advantage of the best of innovation to achieve a long-term sustainable growth
[](/how-to-take-advantage-of-the-best-of-innovation-to-achieve-a-long-term-sustainable-growth/)
**Categories:** #ClientExperience, #CustomerConference, #Owin, #Sustainability, #Sustainableinnovation, Video Interview
---
### [From Objectway Innovation Diamond to the canals of Venice: A Journey across Sustainable Innovation at OWIN23](https://objectway.com/from-objectway-innovation-diamond-to-the-canals-of-venice-a-journey-across-sustainable-innovation-at-owin23/)
**Published:** May 16, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Roger Portnoy, Objectway Chief Strategy Advisor, kick offs to the The Wealth Mosaic video interviews series made during Objectway OWIN23 Customer Conference.
**Content:**
###### MAY 16, 2023
# From Objectway Innovation Diamond to the canals of Venice: A Journey across Sustainable Innovation at OWIN23
[Roger Portnoy](https://www.linkedin.com/in/roger-portnoy-a16b67/)
Objectway Chief Strategy Advisor
Video Interview
[\#Businessdevelopment](/businessdevelopment/)[\#OneObjectway](/one-objectway/)[\#Workspace](/workspace/)
Roger Portnoy, Objectway Chief Strategy Advisor, kick offs to the The Wealth Mosaic video interviews series made during Objectway OWIN23 Customer Conference. In this first episode focuses on the importance of building sustainable innovation within the wealth and asset management ecosystem.
In Objectway sustainability is constantly and fully integrated with the Innovation Diamond Framework, namely a new concept where customer experience, business reconfiguration and offering evolution match for achieving sustainable innovation at scale through a digitized approach to capture clients’ preferences.
Objectway represents the future because of its collaborative and hyper-personalized approach, aiming to understand clients’ needs and make innovation a way to collaborate in a more profitable way.
**RELATED POST**
About Objectway
### OWIN23: Unleashing Sustainable Innovation, Collaboration, and Client-Centricity
[](/unleashing-sustainable-innovation-collaboration-and-client-centricity-at-owin23/)
Market Trends
### Sustainable Innovation at Scale: The New Paradigm
[](/sustainable-innovation-at-scale-for-driving-business-growth/)
Podcast OWIN23
### Trends and key themes in sustainable innovation in wealth
[](/owin23-trends-and-key-themes-in-sustainable-innovation-in-wealth/)
**Categories:** #ClientExperience, #CustomerConference, #Owin, #Sustainability, #Sustainableinnovation, Video Interview
---
### [I&T Partnership Journey with Objectway: A tale of Collaboration and Innovation](https://objectway.com/it-partnership-journey-with-objectway-a-tale-of-collaboration-and-innovation/)
**Published:** June 20, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Laurits Louis-Serup Kjærgaard, Investering & Tryghed Business Development Manager, , describes the main pillars of the ongoing partnership between Investering & Tryghed and Objectway.
**Content:**
###### JUN 20, 2023
# I&T Partnership Journey with Objectway: A tale of Collaboration and Innovation
[Laurits Louis-Serup Kjærgaard](https://www.linkedin.com/in/laukja/)
Business Development Manager, Investering & Tryghed
Video Interview
[\#OWIN](/owin/)[\#Customerconference](/customer-conference/)[\#SustainableInnovation](/sustainable-innovation/)[\#Clientrelationship]()[\#Clientreporting](/client-reporting/)
Laurits Louis-Serup Kjærgaard, Investering & Tryghed Business Development Manager, , describes the main pillars of the ongoing partnership between Investering & Tryghed and Objectway. Objectway has helped I&T developing the client reporting field and now their collaboration aims to the implementation of ESG reporting for asset management.
For I&T, Objectway has meant also boosting innovation as far as regards compliance rules and transparency for client reporting, enhancing back office solutions and administration services. Now, as the partnerships grows, the keyword for the future is sustainability.
**RELATED POST**
Podcast OWIN23
### Boosting Operational Excellence and Innovation
[](/boosting-operational-excellence-and-innovation/)
Innovation
### Sustainable Innovation: Insights & Perspectives from an unparalleled Panel Discussion
[](/sustainable-innovation-insights-and-perspectives-in-wealth-and-asset-management-areas/)
News
### Objectway recognised again for enabling digital transformation and resilience in financial services
[](/sustainable-innovation-at-scale-for-driving-business-growth/)
**Categories:** #ClientRelationship, #ClientReporting, #CustomerConference, #Owin, #Sustainableinnovation, Video Interview
---
### [Redmayne Bentley's journey with Objectway towards a new Operating Model](https://objectway.com/redmayne-bentleys-journey-with-objectway-towards-a-new-operating-model/)
**Published:** July 4, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Since the partnership with Objectway has started, Redmayne Bentley has re-platformed its entire business across multiple areas, such as customer engagement and portfolio management.
**Content:**
###### JUL 04, 2023
# Redmayne Bentley’s journey with Objectway towards a new Operating Model
[James Scott Andrews](https://www.linkedin.com/in/james-andrews-mba-51b0049/)
Director & Head of Investment Management, Redmayne Bentley
[Hassan Suffyan](https://www.objectway.com/)
Former Managing Director UK and Ireland, Objectway
Video Interview
[\#OWIN](/owin/)[\#Customerconference](/customer-conference/)[\#SustainableInnovation](/sustainable-innovation/)[\#Clientrelationship]()[\#Clientreporting](/client-reporting/)
Since the partnership with Objectway has started, Redmayne Bentley has re-platformed its entire business across multiple areas, such as customer engagement and portfolio management.
In this interview taken during OWIN23 Customer Conference, James Scott Andrews, Redmayne Bentley Director & Head of Investment Management, talks to TWM and explains why they have choose Objectway for improving scalability and for making their business efficient.
James outlines how the partnership has enabled Objectway and Redmayne to grow mutually, as it has allowed Objectway to develop new products and solutions and Redmayne to achieve new perspectives on the potential of digital transformation for customers and investors.
The redesign process has led to the development of a new operating model, but the collaboration is heading up to future growth.
**RELATED POST**
Customer Experience
### Exploring Customer Experience: an illuminating panel discussion at OWIN23
[](/exploring-customer-experience-how-to-deal-with-clients-expectations-and-values/)
Podcast OWIN23
### New outlooks for reinventing your business and improving client relationship
[](/new-outlooks-to-reinvent-your-business-and-improve-client-relationship-the-innovation-diamond-framework/)
Video Interview
### I&T Partnership Journey with Objectway: A tale of Collaboration and Innovation
[](/it-partnership-journey-with-objectway-a-tale-of-collaboration-and-innovation/)
**Categories:** #ClientRelationship, #ClientReporting, #CustomerConference, #Owin, #Sustainableinnovation, Video Interview
---
### [Objectway partners with Unblu to deliver seamless Digital Collaboration for Investment Services](https://objectway.com/objectway-partners-with-unblu-to-deliver-seamless-digital-collaboration-for-investment-services/)
**Published:** July 11, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Alberto Cuccu, Objectway Chief Solution Officer, describes the benefits coming from the partnership signed with Unblu.
**Content:**
###### JUL 11, 2023
# Objectway partners with Unblu to deliver seamless Digital Collaboration for Investment Services
[Luc Haldimann](https://www.linkedin.com/in/luchaldimann/)
CEO, Unblu
Alberto Cuccu
Chief Solution Officer, Objectway
Video Interview
[\#Behaviouralfinance](/behaviouralfinance/)[\#RiskManagement](/risk-management/)[\#Customerjourney](/customerjourney/)
Alberto Cuccu, Objectway Chief Solution Officer, describes the benefits coming from the partnership signed with Unblu, a leading conversational engagement platform fine-tuned for the financial services industries. The strategic partnership integrates Unblu’s digital collaboration capabilities with Objectway’s Omnichannel Client Lifecycle Management solutions to further enrich the company’s digital front end offering for wealth, asset and banking services.
Luc Haldimann, CEO at Unblu, illustrates the partnership path as a tale of complementary capabilities and shared vision, where Objectway and Unblu have teamed up to redefine customer engagement from a person-to-person way of collaboration. Basically, the result is twofold and stems from a hybrid approach where stakeholders interact through an enhanced and renewed platform.
**RELATED POST**
Video Interview
### Redmayne Bentley’s journey with Objectway towards a new Operating Model
[](/redmayne-bentleys-journey-with-objectway-towards-a-new-operating-model/)
Customer Experience
### Exploring Customer Experience: an illuminating panel discussion at OWIN23
[](/exploring-customer-experience-how-to-deal-with-clients-expectations-and-values/)
Video Interview
### I&T Partnership Journey with Objectway: A tale of Collaboration and Innovation
[](/it-partnership-journey-with-objectway-a-tale-of-collaboration-and-innovation/)
**Categories:** #CustomerConference, #DigitalCollaboration, #DigitalEngagement, #HybridAdvisory, #Owin, Video Interview
---
### [KBC Securities Services & Objectway: A Strategic Partnership to Maximize Expertise and Amplify Efficiency](https://objectway.com/kbc-securities-services-objectway-a-strategic-partnership-to-maximize-expertise-and-amplify-efficiency/)
**Published:** July 17, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** In this interview, held during Objectway OWIN23 Customer Conference, Maarten De Clerck, KBC Securities Services Head of Product Development, depicts how the ongoing partnership with Objectway is developing on two different levels.
**Content:**
###### JUL 17, 2023
# KBC Securities Services & Objectway: A Strategic Partnership to Maximize Expertise and Amplify Efficiency
[Maarten De Clerck](https://www.linkedin.com/in/maartendeclerck/)
Head of Product Development, KBC Securities Services
Video Interview
[\#OWIN](/owin/)[\#Customerconference](/customer-conference/)[\#Onboarding](/onboarding/)[\#DigitalCollaboration](/digital-collaboration/)[\#Portfoliomanagement](/portfolio-management-h/)
In this interview, held during Objectway OWIN23 Customer Conference, Maarten De Clerck, KBC Securities Services Head of Product Development, depicts how the ongoing partnership with Objectway is developing on two different levels. On one hand, KBC Securities Services has lightened up its clients’ onboarding process thanks to Objectway’s Digital Onboarding Platform. In this case the aim was streamlining the whole work chain and allowing wealth managers and clients to access to the same platform for keep in contact in a more direct way.
On the other hand, Objectway is supporting KBC Securities Services on Portfolio Management level: clients can have a real-time view on the performance of their investments and can collaborate with their advisors on regular basis. So, this is just the beginning because the partnership between Objectway and KBC Securities Services will intensify day by day.
**RELATED POST**
Video Interview
### Objectway partners with Unblu to deliver seamless Digital Collaboration for Investment Services
[](/objectway-and-unblu-to-deliver-digital-collaboration-for-investment-services/)
Video Interview
### Redmayne Bentley’s journey with Objectway towards a new Operating Model
[](/redmayne-bentleys-journey-with-objectway-towards-a-new-operating-model/)
Video Interview
### I&T Partnership Journey with Objectway: A tale of Collaboration and Innovation
[](/it-partnership-journey-with-objectway-a-tale-of-collaboration-and-innovation/)
**Categories:** #ClientExperience, #CustomerConference, #DigitalCollaboration, #Onboarding, #Owin, #PortfolioManagement, Video Interview
---
### [Empowering Advisory Services: Novobanco’s Journey with Objectway](https://objectway.com/empowering-advisory-services-novobancos-journey-with-objectway/)
**Published:** July 27, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** “It all began in 2018” says Elisabete, when, due to Novobanco’s history and the bank’s compliance regulations, they need to change their advisory service approach.
**Content:**
###### JUL 27, 2023
# Empowering Advisory Services: Novobanco’s Journey with Objectway
[Elisabete Pinto Pereira](https://www.linkedin.com/in/elisabete-pinto-pereira-1969b31/)
Deputy Executive Director, Novobanco
Video Interview
[\#OWIN](/owin/)[\#Customerconference](/customer-conference/)[\#DigitalAdvisory](/digital-advisory/)[\#Clientrelationship]()[\#Mifid](/mifid/)[\#Esg](/esg/)
Elisabete Pinto Pereira, Novobanco Deputy Executive Director, retraces in this interview with The Wealth Mosaic the steps that led to build the collaboration with Objectway. “It all began in 2018” says Elisabete, when, due to Novobanco’s history and the bank’s compliance regulations, they need to change their advisory service approach.
Thanks to Objectway, Novobanco has developed a Managed Account approach to the clients’ portfolios, simplifying the relationship with the customers. In the meantime, Novobanco also implemented ESG, granting in that way the suitability of the advisory approach itself.
The project has been deployed in 4 different phases, in a Covid-19 pandemic framework, but the remote location never compromised the success of the project thanks to the expertise of Objectway and Novobanco.
Among the activities planned for the future there’s the automatic execution of the orders and a recurring advisory service. Curious to learn more? [Click here and download now the Novobanco Case Study!](https://www.objectway.com/download-case-study-leveraging-centralized-cloud-mifid-ii-advisory/)
**RELATED POST**
Digital Transformation
### Digital to design personalised investment proposals, effectively
[](/achieve-democratisation-through-personalized-investment-advisory-proposal/)
Advisory
### Leveraging Centralised Cloud MiFID II Advisory
[](/leveraging-centralised-cloud-mifid-ii-advisory/)
Success Story
### Leading the way in investment services
[](https://www.objectway.com/leading-the-way-in-investment-services/)
**Categories:** #ClientRelationship, #CustomerConference, #DigitalAdvisory, #Esg, #Mifid, #Owin, Video Interview
---
### [Objectway & everyoneINVESTED: an innovative partnership to enhance Risk Profiling](https://objectway.com/objectway-everyoneinvested-an-innovative-partnership-to-enhance-risk-profiling/)
**Published:** September 20, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** The partnership between Objectway and everyoneINVESTED is based on a behavioral finance-driven solution redefining risk profiling.
**Content:**
###### SEPT 20, 2023
# Objectway & everyoneINVESTED: an innovative partnership to enhance Risk Profiling
[Laurent Lamblin](https://www.linkedin.com/in/lamblin/)
Head of Concepts, everyoneINVESTED
[Kurt Vanhee](https://www.linkedin.com/in/kurtvanhee/)
Managing Director Continental Europe & North America, Objectway
Video Interview
[\#Behaviouralfinance](/behaviouralfinance/)[\#RiskManagement](/risk-management/)[\#Customerjourney](/customerjourney/)
The partnership between Objectway and everyoneINVESTED is based on a behavioral finance-driven solution redefining risk profiling. In this interview Kurt Vanhee, Objectway Managing Director Continental Europe and North America introduces the alliance with everyoneINVESTED presenting it as a structural partnership where both parties gain benefits from one another. Then the floor is taken by Laurent Lamblin, everyoneINVESTED Head of Concepts, who underlines the main pillars of their partnership that has driven to a consistent improvement of customers’ trust through a user-friendly digital and scientifically based app for investor profiling.
Listen now to the full interview and don’t miss the chance to discover more about [Objectway and everyonINVESTED partnership](/everyoneinvested-kbc-am-partners-with-objectway-to-provide-innovative-digital-investment-applications-2/).
**RELATED POST**
Podcast
### Hyper-Personalization in the context of investor risk profiling
[](/hyper-personalization-in-the-context-of-investor-risk-profiling/)
Customer Experience
### Exploring Customer Experience: an illuminating panel discussion at OWIN23
[](/exploring-customer-experience-how-to-deal-with-clients-expectations-and-values/)
Customer Experience
### A battle plan to win on Customer Experience
[](/a-battle-plan-to-win-on-customer-experience-and-the-future-of-wealth-management/)
**Categories:** #BehaviouralFinance, #CustomerJourney, #RiskManagement, Video Interview
---
### [Enhancing Advisor Productivity: Compliance, Automation and Process](https://objectway.com/enhancing-advisor-productivity-compliance-automation-and-process/)
**Published:** October 22, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Geoff Parslow, Head of Sales & Business Development Canada, Objectway, sits down to discuss the evolving landscape of wealth management, compliance, and technology.
**Content:**
###### OCT 23, 2025
# Enhancing Advisor Productivity: Compliance, Automation and Process
[Geoff Parslow](https://www.linkedin.com/in/geoffparslow/)
Head of Sales & Business Development Canada, Objectway
Video Interview
[\#Clientrelationship]()[\#Automation](/automation/)[\#Artificialintelligence](/artificial-intelligence/)[\#HybridAdvisory](/hybrid-advisory/)[\#DigitalAdvisory](/digital-advisory/)[\#Onboarding](/onboarding/)
Geoff Parslow, Head of Sales & Business Development Canada, Objectway, sits down in this interview with Jenya Tkachenko to discuss the evolving landscape of wealth management, compliance, and technology.
In today’s increasingly regulated environment, Canadian wealth management firms are being compelled to reassess the role of compliance within their operating models. What was once viewed strictly as a regulatory obligation—and often a cost burden—must now be reframed as a strategic function capable of delivering competitive advantage.
In this episode, Geoff shares his perspective on the rapidly escalating costs of compliance and the less visible, yet significant, impact on advisor efficiency—particularly in the Canadian market, where firms operate under a robust and complex regulatory framework.
Advisors shouldn’t waste time with compliance. With the right technology partner, compliance becomes a proactive enabler of efficiency, trust, and long-term value creation. Objectway stands ready to support Canadian firms in turning compliance into a strategic asset—one that not only safeguards operations but also propels them forward.
**RELATED POST**
News
### Advisor Productivity: Solving the Canadian Integration Gap
[](https://objectway.com/advisor-productivity-solving-the-canadian-integration-gap/)
Advisory
### Empowering Advisors Through Simplified, Sophisticated Planning
[](https://objectway.com/advisory-empowering-advisors-through-simplified-sophisticated-planning/)
News
### From seven logins to one: How integrated platforms boost advisor productivity
[](https://objectway.com/how-integrated-platforms-boost-advisor-productivity/)
**Categories:** #ClientRelationship, #DigitalAdvisory, #HybridAdvisory, #Onboarding, Video Interview
---
### [Business Transformation & Technology post Covid19 and how to attract new business from introducers, IFA’s & EAMs](https://objectway.com/business-transformation-technology-post-covid19-and-how-to-attract-new-business-from-introducers-ifas-eams/)
**Published:** September 8, 2022
**Author:** Silvia Boccuzzi
**Content:**
[  ](/owintalk/videointerviews/)
# Business Transformation & how to attract new business from introducers, IFAs & EAMs
[Alberto Cuccu](https://www.linkedin.com/in/alberto-cuccu-21a401/)
Chief Solution Officer
[Stephen Wall](https://www.linkedin.com/in/stephenkwall/)
Founder of The Wealth Mosaic
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Technology](/technology/)
As part of The Wealth Mosaic UK Wealth Tech Landscape Report 2022, Stephen Wall, founder of The Wealth Mosaic, interviews Alberto Cuccu, Chief Solution Officer at Objectway. In this session, Alberto Cuccu looks at where the [ industry is in terms of business transformation, delving into the role of ](/owintalk/covid-19-one-year-on-exposing-inefficiencies-towards-a-new-paradigm-in-wealth-management/)[technology](/owintalk/opportunities-to-leverage-wealthtech-solutions-are-growing-and-its-time-to-catch-them/)[ and ultimately on how larger wealth managers can support IFAs in terms of platform and business models.](/owintalk/covid-19-one-year-on-exposing-inefficiencies-towards-a-new-paradigm-in-wealth-management/)
**RELATED POST**
Advisory
### Winning the IFAs’ digital challenge
[](/owintalk/winning-ifas-challenge-with-digital-first-advisory-model-for-differentiating-the-business/)
Research
### The UK Wealthtech Landscape Report 2022
[](https://www.objectway.com/download-analyst-research-the-uk-wealthtech-landscape-report-2022/)
Case Study
### Attracting IFAs assets
with a digital-first advice model
[](https://www.objectway.com/download-case-study-attracting_ifas_assets_with_a_digital-first_advice_model/)
**Categories:** Video Interview
---
### [Strategic Choices for Wealth Managers & WealthTechs](https://objectway.com/strategic-choices-for-wealth-managaers-wealthtechs/)
**Published:** September 12, 2022
**Author:** Silvia Boccuzzi
**Content:**
[  ](/owintalk/videointerviews/)
# Strategic Choices for Wealth Managers & WealthTechs
[Alexander Cassar](https://www.linkedin.com/in/sandrocassar/)
Chief Business Development Officer
[Stephen Wall](https://www.linkedin.com/in/stephenkwall/)
Founder of The Wealth Mosaic
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Digitalchange](/digitalchange/)[\#Onboarding](/onboarding/)[\#ClientCommunication](/clientcommunication/)[\#Portfoliooptimisation](/owintalk/portfolio-optimisation/)[\#Digitalengagement](/digital-engagement/)
As part of The Wealth Mosaic WealthTech Report 2022, Stephen Wall, founder of The Wealth Mosaic, interviews Dr. Alexander Cassar, Chief Business Development Officer at Objectway. In this session, Alexander Cassar covers the challenges that come with the ever-changing industry that is [wealth management](/enabling-democratization-in-wealth-management/) – evolving demographics, different expectations and behaviours of the new generation of wealth holders, technological changes and much more.
**RELATED POST**
Digital Transformation
### Opportunities to leverage WealthTech solutions are growing and it’s time to catch them!
[](/opportunities-to-leverage-wealthtech-solutions-are-growing-and-its-time-to-catch-them/)
Research
### The UK Wealthtech Landscape Report 2022
[](https://www.objectway.com/download-analyst-research-the-uk-wealthtech-landscape-report-2022/)
Case Study
### HOW TO BECOME A LEADING, DIGITALLY-ENABLED WEALTH MANAGER
[](https://www.objectway.com/download-case-study-how-to-become-a-leading-digitally-enabled-wealth-manager/)
**Categories:** #ClientCommunication, #DigitalChange, #DigitalEngagement, #Onboarding, #PortfolioOptimisation, Video Interview
---
### [Objectway talks with The Wealth Mosaic: UK market strategy, challenges, and future trends](https://objectway.com/objectways-interview-for-the-wealth-mosaic-uk-market-strategy-challenges-and-future-trends/)
**Published:** September 10, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Stephen Wall, TWM Founder, discusses key current challenges for the UK market with Jonathan Hartley, Objectway’s Client Success Director.
**Content:**
[  ](/owintalk/videointerviews/)
# Objectway talks with The Wealth Mosaic: UK market strategy, challenges, and future trends
[Jonathan Hartley](https://www.linkedin.com/in/jonathanhartley/)
Objectway, Client Success Director
[Stephen Wall](https://www.linkedin.com/in/stephenkwall/)
Founder of The Wealth Mosaic
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#CeoTalk](/ceotalk/)[\#Digitalisation](/digitalisation/)[\#OneObjectway](/one-objectway/)[\#BackOffice](/back-office/)[\#Businessdevelopment](/businessdevelopment/)[\#ClientExperience](/clientexperience/)[\#FrontOffice](/front-office/)[\#Hyperpersonalisation](/hyper-personalisation/)
In this conversation with Stephen Wall, TWM Founder, Jonathan Hartley, Objectway’s Client Success Director, discusses the key current challenges for the UK market and reviews Objectway’s successful implementation projects for customers in that market.
In recent years, Hartley emphasises, Objectway’s goal has been to propose and develop SaaS (Software As A Service) solutions in order to strengthen the partnership with customers and to grow further in the region.
Therefore, considering the pressures coming from industry competitors, the main challenge for Objectway is to establish itself as a leader in the wealth management sector, especially for large companies.
Objectway excels in delivering flexible, integrated, and customized solutions, as described by Hartley while highlighting a recent successful client case completed by his team.
Watch the full interview now and get ready to hear from our experts soon to stay up-to-date on industry progress!
**RELATED POST**
Digital Transformation
### Engaging the Next Generation of Investors: Embracing Digital Innovation for Lasting Impact
[](/engaging-the-next-generation-of-investors-through-digital-innovation/)
Market Trends
### A Glimpse into the Future of Wealth Management
[](/compeer-annual-industry-review-2024-a-glimpse-into-the-future-of-wealth-management/)
Market Trends
### Scalability in UK Wealth Management: Turning Challenges into Opportunities
[](/scalability-in-uk-wealth-management-the-key-for-increased-value-added-time-for-front-office-staff/)
**Categories:** #BackOffice, #BusinessDevelopment, #CeoTalk, #ClientExperience, #Digitalisation, #FrontOffice, #HyperPersonalisation, #OneObjectway, Video Interview
---
### [Crafting a comprehensive client success strategy: Objectway’s own version](https://objectway.com/crafting-a-comprehensive-client-success-strategy-objectways-own-version/)
**Published:** September 17, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** In this second part of the interview, Jonathan Hartley, Objectway’s Client Success Director, remarks on Objectway's strategy, which focuses on customization.
**Content:**
[  ](/owintalk/videointerviews/)
# Crafting a comprehensive client success strategy: Objectway’s own version
[Jonathan Hartley](https://www.linkedin.com/in/jonathanhartley/)
Objectway, Client Success Director
[Stephen Wall](https://www.linkedin.com/in/stephenkwall/)
Founder of The Wealth Mosaic
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#CeoTalk](/ceotalk/)[\#Digitalisation](/digitalisation/)[\#OneObjectway](/one-objectway/)[\#BackOffice](/back-office/)[\#Businessdevelopment](/businessdevelopment/)[\#ClientExperience](/clientexperience/)[\#FrontOffice](/front-office/)[\#Hyperpersonalisation](/hyper-personalisation/)
In this second part of the interview, Jonathan Hartley, Objectway’s Client Success Director, reveals to Stephen Wall, TWM Founder, the market strategy adopted by Objectway to grasp customers’ needs and based on their objectives, implement the most effective tools for their ultimate fulfilment.
The expert defines the customer relationship as a journey in which Objectway supports the customer at every stage, from the moment the software is deployed to the moment the product is exploited.
In conclusion, Hartley remarks that Objectway’s strategy includes a commitment to continuously adapt and refine their solutions based on changing market conditions, always ensuring to clients they are equipped with the most effective tools to meet their evolving needs. This strategy reflects a strong focus on customization, adaptability, and a deep understanding of clients’ expectations, which are crucial to stay competitive in the financial sector.
Watch the full video interview now to discover the features of our breakthrough market strategy!
**RELATED POST**
Video Interviews
### Objectway talks with The Wealth Mosaic: UK market strategy, challenges, and future trends
[](/objectways-interview-for-the-wealth-mosaic-uk-market-strategy-challenges-and-future-trends/)
Digital Transformation
### Engaging the Next Generation of Investors: Embracing Digital Innovation for Lasting Impact
[](/engaging-the-next-generation-of-investors-through-digital-innovation/)
Market Trends
### A Glimpse into the Future of Wealth Management
[](/compeer-annual-industry-review-2024-a-glimpse-into-the-future-of-wealth-management/)
**Categories:** #BackOffice, #BusinessDevelopment, #CeoTalk, #ClientExperience, #Digitalisation, #FrontOffice, #HyperPersonalisation, #OneObjectway, Video Interview
---
### [Engaging the Next Generation of Investors leveraging Financial Education](https://objectway.com/engaging-the-next-generation-of-investors-leveraging-financial-education/)
**Published:** December 10, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Karl im Brahm, Objectway’s CEO DACH Region in this interview with ARD-Finanzredaktlon points out the importance of financial education for young investors.
**Content:**
[  ](/owintalk/videointerviews/)
# Engaging the Next Generation of Investors leveraging Financial Education
[Karl im Brahm](https://www.linkedin.com/in/karl-im-brahm/)
Objectway, CEO DACH Region
[Bettina Seidl](https://www.linkedin.com/in/bettina-seidl-37692b309/)
Redakteurin Moderatorin, ARD-Finanzredaktlon
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#CeoTalk](/ceotalk/)[\#Artificialintelligence](/artificial-intelligence/)[\#ClientCommunication](/clientcommunication/)[\#Behaviouralfinance](/behaviouralfinance/)[\#HybridAdvisory](/hybrid-advisory/)
As the asset management and banking landscapes undergo a generational shift, engaging the next wave of investors through digital innovation has become a top priority. The new generation, primarily millennials, are not only digitally fluent, but also have distinct preferences shaped by their awareness of social and environmental issues and their desire for transparency, convenience and accessibility. To remain competitive, banks have to adopt to these evolving expectations.
This is the view shared by Karl im Brahm, Objectway’s CEO DACH Region in this recent interview with ARD-Finanzredaktlon. Karl points out that in Germany today there is a lack of awareness among young investors of the market’s potential. This is why it is essential to re-start with schools and provide a Gamification-based type of financial education, thus leveraging platforms and tools known to young people (such as social media) to get closer to their way of interacting.
Moreover, the next gen appreciates convenience and automation in its financial activities. Across all age groups, including millennials, investors seek personalized, accessible, and transparent investment support. AI-powered tools can analyse preferences and financial goals to offer tailored strategies, enhancing customer relationships. But as the digital engagement landscape evolves, human advisors still play a crucial role, especially for clients in the early stages of wealth accumulation who may need more education and guidance than fully automated decision-making.
In conclusion, states Karl, hybrid advisory will be a future topic to focus on, providing advisors with an hybrid digital advice model allowing customers to choose which tasks they prefer to handle independently and when they wish to collaborate with their trusted advisor.
Watch the full interview now!
**RELATED POST**
Digital Transformation
### Engaging the Next Generation of Investors: Embracing Digital Innovation for Lasting Impact
[](/engaging-the-next-generation-of-investors-through-digital-innovation/)
Digital Transformation
### Balancing Innovation and Trust: AI’s Role in Future Advisory Workflows
[](/balancing-innovation-and-trust-ai-role-in-future-advisory-workflows/)
Market Trends
### Objectway at the 17th Richmond Financial Forum
[](/objectway-at-richmond-financial-forum-supporting-banks-to-reach-client-centricity/)
**Categories:** #ArtificialIntelligence, #BehaviouralFinance, #CeoTalk, #ClientCommunication, #HybridAdvisory, Video Interview
---
### [The road ahead for wealth management: technological innovation and AI adoption as strategic imperatives](https://objectway.com/the-road-ahead-for-wealth-management-technological-innovation-and-ai-adoption-as-strategic-imperatives/)
**Published:** May 14, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Tariq Khan, Objectway Director of Sales & Account Management uncovers top business objectives for UK wealth managers in next three to five years.
**Content:**
[  ](/owintalk/videointerviews/)
# The road ahead for wealth management: technological innovation and AI adoption as strategic imperatives
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
Director of Sales & Account Management, Objectway
[Stephen Wall](https://www.linkedin.com/in/stephenkwall/)
CEO & Founder, The Wealth Mosaic
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#CeoTalk](/ceotalk/)[\#Artificialintelligence](/artificial-intelligence/)[\#ClientCommunication](/clientcommunication/)[\#DigitalAdvisory](/digital-advisory/)[\#Hyperpersonalisation](/hyper-personalisation/)[\#PortfolioOptimisation](/portfolio-optimisation/)[\#Scalability](/scalability)
Tariq Khan, Objectway Director of Sales & Account Management, speaks to Stephen Wall, The Wealth Mosaic CEO & Founder, and uncovers top business objectives for UK wealth managers in next three to five years.
Tariq highlights five main areas of improvement:
- Retaining Existing Clients
- Expanding Client Base
- Improving Front-Office Productivity
- Boosting Operational Efficiency through scalable solutions
- Becoming Future-Proof
Retaining existing clients while managing costs has become just as vital as acquiring new ones. At the same time, there’s a push to enhance the productivity of front office teams, empowering advisors to do more with less, while maintaining the high-touch experience clients expect.
Innovation can’t wait and when it comes to AI, 8 out of 10 UK wealth management firms are planning to change theirs operating systems. AI’s applications are increasing and the majority of them are going to implement GenAI to streamline internal processes from automating administrative tasks to optimizing investment strategies.
The opportunities are real, states Tariq, but challenges remain. Ethical concerns and governance, Data Privacy and Cybersecurity demand from companies mature AI solutions tailored for wealth management.
At the same time, the survey’s results exposed by Tariq show that 18% of wealth managers do not plan to use AI. This arises because AI is an enabler, not a silver bullet. This is the reason why Objectway has developed an all-in-one advisor desktop platform, designed to enhance both efficiency and client engagement. A modular solution that can improve advisory productivity, ensure consistent client support and drive business growth in a growing competitive landscape.
**RELATED POST**
Innovation
### How will Innovation impact the future of Wealth Management?
[](/the-impact-of-innovation-and-technology-on-wealth-management/)
Digital Transformation
### Balancing Innovation and Trust: AI’s Role in Future Advisory Workflows
[](/balancing-innovation-and-trust-ai-role-in-future-advisory-workflows/)
Customer Experience
### How to Improve the Client Experience: The Never-Ending, Ever-Evolving Quest for Excellence
[](/how-to-improve-client-experience-growing-demand-for-engagement-and-technology-potential/)
**Categories:** #ArtificialIntelligence, #CeoTalk, #ClientCommunication, #DigitalAdvisory, #PortfolioOptimisation, #Scalability, Video Interview
---
### [AM Tech Day 2022: Democratising investment, risk or opportunity?](https://objectway.com/kurt-vanhee-am-tech-day-2022-democratising-investment/)
**Published:** November 7, 2022
**Author:** Silvia Boccuzzi
**Content:**
[  ](/owintalk/videointerviews/)
# AM Tech Day 2022: Democratising investment, risk or opportunity?
[Kurt Vanhee](https://www.linkedin.com/in/kurtvanhee/)
Managing Director Central Europe Objectway
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Owin](/owintalk/owin/)[\#DigitalChange](/owintalk/digitalchange/)[\#Digitalisation](/owintalk/digitalisation/)
Objectway took part to the 13th Edition of AM Tech Day 2022 in Paris, the pan-European event organised by L’Agefi, the leading media group for the financial services community in France.
In this interview, Kurt Vanhee, Managing Director Central Europe Objectway, deepens the challenges that the current fast-changing scenario is experiencing due to more young and tech-savvy investors, new asset classes and the arising of investments’ democratisation. Technology is the only key to assure the success of innovation, accepting that the very nature of digitalisation is democratic, making every service accessible to everyone.
**RELATED POST**
Market Trends
### Investment Democratisation: Ready, Steady, Go!
[](/investment-democratisation-objectway-at-am-tech-day/)
Podcast Spotify
### Democratizing Wealth
[](/podcast-series-wealth-democratisation/)
**Categories:** #DigitalChange, #Digitalisation, #Owin, Video Interview
---
### [Il futuro del wealth management: efficienza, personalizzazione, innovazione tecnologica e dei modelli di servizio](https://objectway.com/efficienza-personalizzazione-e-innovazione-tecnologica-guidano-la-crescita-della-domanda-di-nuovi-modelli-di-servizio-nel-settore-private-e-wealth-management/)
**Published:** December 18, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Gianbattista Geroldi, CEO Italia Objectway, fornisce una prospettiva sui cambiamenti che l’innovazione tecnologica sta determinando per il settore del private e wealth management.
**Content:**
###### DEC 18, 2024
# Il futuro del wealth management: efficienza, personalizzazione, innovazione tecnologica e dei modelli di servizio
[Gianbattista Geroldi](https://www.linkedin.com/in/gianbattista-geroldi-070a322a/)
Objectway, CEO Italia
[Paola Ragno](https://www.linkedin.com/in/paola-ragno-b612b7195/)
Giornalista, We Wealth
Video Interview
[\#CeoTalk](/ceotalk/)[\#Artificialintelligence](/artificial-intelligence/)[\#ClientExperience](/clientexperience/)[\#Automation](/automation/)[\#Hyperpersonalisation](/hyper-personalisation/)[\#Scalability](/scalability)[\#Customerjourney](/customerjourney/)[\#Digitalisation](/digitalisation/)[\#Onboarding](/onboarding/)
In questo nuovo episodio della serie “A Talk To” promosso da We Wealth, Gianbattista Geroldi, CEO Italia Objectway, fornisce una prospettiva sui cambiamenti che l’innovazione tecnologica sta determinando per il settore del private e wealth management.
Il processo di innovazione tecnologica in atto, che ha come capofila le evoluzioni determinate dall’applicazione dell’intelligenza artificiale (AI), porta infatti operatori di ogni dimensione a confrontarsi con clienti sempre più esigenti, che vogliono avere un ruolo da protagonista nella loro relazione con l’advisor.
In questo caso, l’AI interviene a supporto dell’advisor per la gestione rapida di processi amministrativi e per l’automatizzazione di numerose informazioni che vengono poi sfruttate dal consulente per offrire un servizio personalizzato e mirato ad incontrare in maniera efficiente e proficua le richieste dei clienti.
Le soluzioni offerte da Objectway, sottolinea Geroldi, si sono quindi evolute anche alla luce dell’utilizzo dell’intelligenza artificiale per ottimizzare i portafogli ed effettuare valutazioni del rischio, acquisire e rielaborare dati non strutturati e migliorare i processi di onboarding dei clienti.
Presentando alcuni case study concreti, Geroldi ripercorre i risultati ottenuti da alcuni clienti Objectway, evidenziando come cresce la richiesta di servizi in modalità Business Process as a Service, per esternalizzare alcuni processi di business e consentire agli operatori finanziari di automatizzare e ottimizzare l’operatività. «Oggi oltre l’80% dei nostri clienti sul mercato italiano utilizza i servizi in modalità SaaS o BpaaS, con oltre 300 miliardi di euro di asset in gestione e amministrazione – commenta Geroldi.
Guardando al futuro, gli investimenti tecnologici per i comparti IT saranno destinati a crescere del 5% rispetto al 2024 (previsioni Celent). Per competere dunque in un mercato sempre più digitale ed integrato, conclude Geroldi, gli operatori di ogni dimensione devono puntare su efficienza e scalabilità, personalizzazione, innovazione tecnologica e dei modelli di servizio.
Non perdere l’occasione di guardare l’intervista completa e scoprire come Objectway possa diventare il tuo partner strategico per l’evoluzione del tuo business!
**RELATED POST**
Article
### Objectway: cresce la domanda per i modelli as a Service
[](https://www.objectway.com/objectway-cresce-la-domanda-per-i-modelli-as-a-service/)
Video Interview
### AIPB Forum 2024 – I capitali privati per la crescita: il ruolo del Private Banking
[](/aipb-forum-2024-i-capitali-privati-per-la-crescita-il-ruolo-del-private-banking/)
Advisory
### Il Futuro del Wealth Management: Tecnologia, Personalizzazione e nuovi modelli di Servizio
[](/il-futuro-del-wealth-management-tecnologia-personalizzazione-e-nuovi-strumenti-di-advisory/)
**Categories:** #ArtificialIntelligence, #Automation, #CeoTalk, #ClientExperience, #CustomerJourney, #Digitalisation, #HyperPersonalisation, #Onboarding, #Scalability, Video Interview
---
### [Banche svizzere e mercato italiano: tra opportunità ed evoluzione operativa](https://objectway.com/banche-svizzere-e-mercato-italiano-tra-opportunita-ed-evoluzione-operativa/)
**Published:** October 23, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Con l’entrata in vigore della direttiva europea CRD VI prevista dal 10 gennaio 2027 le banche di Paesi extra-Ue, Svizzera inclusa, potranno operare in Italia solo attraverso l’apertura di una succursale bancaria.
**Content:**
[](/news/)
View all News
# Banche svizzere e mercato italiano: tra opportunità ed evoluzione operativa
23 Ottobre 2025 – Le nuove direttive europee obbligano le banche extra Ue ad aprire una filiale per operare nel nostro Paese. Geroldi di Objectway ci ha spiegato le principali implicazioni per l’attività di questi istituti.
Per anni il rapporto tra banche svizzere e clientela italiana è stato caratterizzato da un paradosso: da un lato un’elevata domanda di servizi bancari e di investimento da parte di clienti sofisticati, dall’altro i limiti regolamentari che obbligavano a varcare fisicamente il confine o a mantenere conti in Svizzera. Questo scenario sta cambiando.
Con l’entrata in vigore della direttiva europea CRD VI prevista dal 10 gennaio 2027 le banche di Paesi extra-Ue, Svizzera inclusa, potranno operare in Italia solo attraverso l’apertura di una succursale bancaria. Per capire le principali implicazioni di questa direttiva abbiamo incontrato Gianbattista Geroldi, Ceo Italia di Objectway, una delle principali società specializzate nella consulenza tecnologica a banche e società di wealth management.
Cosa cambierà per le banche extra Ue che decidono di operare in Italia?
L’evoluzione normativa pone gli operatori davanti a un bivio. Oggi le succursali di banche estere rappresentano circa il 6% degli attivi del sistema bancario italiano ma sono destinate a rafforzarsi con il potenziale ingresso degli operatori svizzeri nel panorama nazionale. Aprire una branch bancaria in Italia significa poter proporre un’offerta completa, dalla gestione dei patrimoni ai servizi bancari tradizionali, con lo stesso livello di prossimità degli istituti domestici. Una presenza stabile facilita la retention della clientela e consente di competere su un mercato ad alto potenziale, dove i clienti si aspettano servizi sempre più integrati e personalizzati. I player elvetici si stanno già muovendo, valutando, qualora siano già presenti come Sim, come evolvere verso una struttura banca, al fine di recepire la nuova regolamentazione e rispondere in modo più efficace alle necessità della clientela.
Nel concreto, quali sono le principali implicazioni per le banche extra Ue che decidono di aprire una filiale in Italia?
La sfida non si limita al solo perimetro dei servizi offerti. Implica un ripensamento dei modelli operativi per conciliare due logiche apparentemente opposte: da un lato la centralizzazione dei sistemi core, per massimizzare efficienza ed economie di scala e dall’altro la localizzazione di processi, dati e reporting, per rispettare le normative italiane in materia di fiscalità, compliance e trasparenza verso la clientela. Non basta quindi replicare in Italia il modello della casa madre: serve uno strato di localizzazione che traduca i flussi globali in processi conformi al quadro normativo nazionale. È qui che entrano in gioco infrastrutture tecnologiche scalabili e soluzioni di governance che permettano di mantenere il controllo operativo senza duplicazioni e inefficienze.
Come possono adeguarsi alle regole italiane ed europee senza commettere errori?
Non tutti gli operatori hanno piena consapevolezza delle implicazioni di questo passaggio: dalla tipologia di segnalazioni regolamentari da produrre, ai calcoli fiscali da applicare, fino agli obblighi informativi da rispettare. Pertanto può rivelarsi ottimale affidarsi a un partner che unisca solidità tecnologica e competenze di dominio, capace di guidare la trasformazione integrando piattaforme robuste con un approfondito know-how normativo e fiscale.
Ma quali sono i principali aspetti da tenere in considerazione?
La vera partita si gioca nel back-office. E’ qui che si misura la capacità di garantire un’adeguata gestione dei flussi transazionali, l’applicazione corretta delle regole fiscali, la puntualità nelle segnalazioni regolamentari e la trasparenza verso la clientela. Per questo motivo serve un’infrastruttura glocal che coniuga globalizzazione e localizzazione lungo l’intero ciclo operativo. Solo un back-office concepito come piattaforma modulare e integrata diventa un vero fattore competitivo, favorendo crescita sostenibile e resilienza del business. Affidarsi a un partner strategico con competenze tecnologiche e regolamentari è la strada per ridurre complessità, trasformarla in vantaggio competitivo e conquistare maggiore market share nel mercato italiano.
La vera partita si gioca nel back-office. E’ qui che si misura la capacità di garantire un’adeguata gestione dei flussi transazionali, l’applicazione corretta delle regole fiscali, la puntualità nelle segnalazioni regolamentari e la trasparenza verso la clientela. Per questo motivo serve un’infrastruttura glocal che coniuga globalizzazione e localizzazione lungo l’intero ciclo operativo.
[](https://www.linkedin.com/in/gianbattista-geroldi-070a322a/)### Gianbattista Geroldi
CEO Italia, Objectway
## Related
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---
### [From seven logins to one: How integrated platforms boost advisor productivity](https://objectway.com/how-integrated-platforms-boost-advisor-productivity/)
**Published:** October 22, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** In Canada, many firms are actively looking for technology partners they can trust to modernize their advisor platforms and bring real operational cohesion.
**Content:**
[](/news/)
View all News
# From seven logins to one: How integrated platforms boost advisor productivity
22th October 2025 – Why technology built by someone who knows the advisor’s world matters.
Wealth management is being rewritten by digital transformation, as outdated spreadsheets and paper records give way to connected, automated platforms. For many advisors, the real challenge is no longer competition from other firms but their own reluctance to change. Yet change is becoming harder to avoid.
Clients expect faster answers and more transparency, and regulators continue to increase reporting demands. As a result, the technology that underpins the advisor-client relationship is shifting from background infrastructure to a core part of how wealth practices operate.
Geoff Parslow has spent more than two decades working with advisors and wealth management firms. Early in his career, he focused on the mutual fund industry and saw firsthand how firms struggled to manage portfolios, stay compliant, and serve clients efficiently.
By 2016, Parslow had turned that experience toward digital transformation projects, helping firms modernize their operations. “Everyone was building client portals and mobile apps,” he says. “But very few solutions were built around advisors’ real business challenges.”
That realization led him to Objectway, a European technology company with more than 35 years of experience building wealth platforms. What stood out to Parslow was not just the technology but the philosophy behind it: a platform designed for advisors by someone who understands the realities of their work. “I knew this was a solution that could replace outdated infrastructure and help advisors manage clients, portfolios, and compliance from a single place,” he says.
Fragmented systems, slower service
At many firms, technology is still a collection of disconnected tools rather than a cohesive ecosystem. Parslow points to a Canadian enterprise with 60,000 advisors who each use seven different solutions to serve a single client. Client relationship management, compliance, onboarding, trading, and reporting all sit on separate systems with separate logins and separate data.
This structure creates daily inefficiencies. Advisors re-enter data multiple times and navigate repeated logins, while onboarding and compliance tasks remain manual. Basic client requests become slow and resource-intensive. High-net-worth clients seeking detailed reports often wait days while staff compile information from different databases.
“What advisors want is to generate those reports instantly, with all the data already in one place,” Parslow says. “Better still, clients should be able to log into their portal or mobile app and see that information themselves.”
These inefficiencies affect more than client experience. They also limit growth. Time spent on duplicate data entry or paperwork is time not spent on building relationships, refining portfolio strategy, or finding new business. For advisors, productivity is revenue, and the right technology can free them to focus on the parts of the job that add the most value.
A platform built for how advisors work
Modernizing technology is rarely straightforward. Parslow cites time and cost as the main barriers. Replacing a firm’s technology environment is a multi-year process that must consider its impact on almost every area of the business. Firms that succeed approach it deliberately. They tackle one problem at a time rather than attempting a complete overhaul at once, relying on a trusted technology partner that can guide their digital transformation in a phased approach.
Objectway’s platform is designed to address those challenges. It consolidates critical capabilities into a single environment where data moves automatically between trading, reporting, and client-facing tools. Reports that once took days can be generated in minutes, and clients gain real-time visibility into their portfolios through self-serve portals.
This approach is already delivering measurable results for major institutions. BNY Mellon’s Pershing uses Objectway’s technology to offer independent advisory businesses a fully integrated digital front end that brings together client data, reporting, and portfolio management in one place.
Objectway’s solutions empowers Pershing’s offering of workflow capabilities to wealth managers, improving management of their clients; from customisable engagement models through the whole advice process, combining human interaction with digital capabilities.
**Redmayne Bentley,** one of the UK’s oldest investment management firms, has also partnered with Objectway to redesign its operating model. They have replatformed their entire business onto a consistent and consolidated platform, enabling the development of new products and solutions, while giving Redmayne fresh perspectives on the potential of digital transformation for both customers and investors. The new platform supports greater efficiency, scalability, growth, and enhanced client delivery.
In Canada, Parslow expects firms to continue pursuing greater integration and more centralized data. One of the most difficult steps will be retiring older systems that still solve yesterday’s problems but do not fit today’s priorities. The focus, he says, should be on consolidating data into a single platform that new tools can connect to over time.
Parslow also notes that Canadian firms face growing regulatory and operational complexity. Requirements such as Know Your Product (KYP), CRM2, and multi-custodial environments mean that technology must do more than streamline workflows — it must also support compliance. Platforms that integrate these capabilities help firms operate more efficiently while meeting regulatory expectations.
“In Canada, many firms are actively looking for technology partners they can trust to modernize their advisor platforms and bring real operational cohesion,” Parslow says. “There’s a recognition that transformation takes time, and that it requires a partner with a proven track record of delivering complex integrations for leading wealth and investment firms. That experience is what gives firms confidence that Objectway is not just entering the market, but investing in it for the long term.”
For firms beginning that process, Parslow’s advice is to start with a clear plan. “Do not begin until you know what your end state looks like,” he says. “Lay out a longer-term roadmap, identify the key business problems you need to solve, and bring in the expertise from a partner who has a consolidated track record to get it right from the start.”
In Canada, many firms are actively looking for technology partners they can trust to modernize their advisor platforms and bring real operational cohesion. There’s a recognition that transformation takes time, and that it requires a partner with a proven track record of delivering complex integrations for leading wealth and investment firms. That experience is what gives firms confidence that Objectway is not just entering the market, but investing in it for the long term.
[](https://www.linkedin.com/in/geoffparslow/)### Geoff Parslow
Head of Sales & Business Development Canada, Objectway
## Related
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[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
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[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
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[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Article
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---
### [New outlooks for reinventing your business and improving client relationship](https://objectway.com/new-outlooks-to-reinvent-your-business-and-improve-client-relationship-the-innovation-diamond-framework/)
**Published:** June 27, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Roger Portnoy, Chief Strategy Officer - Clients shared how they modernize their business models, reflecting the diamond: not just tech, but experience, offerings, and operating model.
**Content:**
###### JUN 27, 2023
# New outlooks for reinventing your business and improving client relationship
[Roger Portnoy](https://www.linkedin.com/in/roger-portnoy-a16b67/)
Chief Strategy Officer Objectway
[Koen Vanderhoydonk](https://www.linkedin.com/in/koenvanderhoydonk/)
The Connector Founder & CEO
OWIN23
[\#Customerconference](/customer-conference/)[\#OWIN](/owin/)[\#Sustainability](/sustainability/)[\#Clientrelationship]()
[](/podcast-owin-23/#theconnectorpodcastowin23)
Listen to Other Episodes
Koen Vanderhoydonk:
Welcome everyone and welcome to a new podcast. And today, I’m no longer streaming from Venice, but I’m doing it online with Roger, but Roger is also working at Objectway. So, Roger, what do you do at Objectway?
Roger Portnoy:
Hi Koen and to your audience, welcome as well. I am the Chief Strategy Officer at Objectway. In my job, I am responsible for product strategy, corporate development, M&A activity, and overall emerging technologies research and development.
Koen Vanderhoydonk:
That’s amoutful!
Roger Portnoy:
Indeed, many responsibilities and lots of accountability!
Koen Vanderhoydonk:
Excellent! I had the pleasure and joy to be present at OWIN23. Yeah, what is it all about?
Roger Portnoy:
Yes, the OWIN’s concept was created by Luigi, Objectway CEO, because he wanted a mechanism by which he could interact with the clients, but at the same time, interact in a way which, sort of helped clients, see a theme that Objectway was trying to bring to market. So, the events actually historically haven’t been held every year, but every other year, and in each event, it’s always been about trying to marry the kind of origin, the place where you’re having the event, with the theme of the event, and with things that Objectway is now doing in relation to the event. So, of course, we pause during the pandemic, as many did to have such live events with people in the same room, but we were able this time round to obviously reinvigorate the concept, and to hold it in the wonderful city of Venice.
Koen Vanderhoydonk:
Yeah, that was actually my next question, because the scenery was marvellous. What was the link with Venice?
Roger Portnoy:
So the link with Venice was something that was conceived when we began to think about the sustainability theme in the industry, as you are aware of your wealth management, or even broader asset management, the last seven years or so, have seen a huge increase in interest and capital flows to sustainability themes, whether those are environmental themes, social themes, governance themes, etc. The flow of capital has been in the many trillions now, to try to help our planet and help our society more broadly. Venice is a city that is steeped in the tradition of sustainability. You know, if you’re at the event, you had the pleasure of listening to the speaker, who is head of the VeniSIA and what you learned from listening to his speech was that this city has survived and drive through effectively innovation. And so, it seemed like the ideal place to both talk about sustainability, and also to introduce the concept of innovation, which was sort of the core theme of our conference.
Koen Vanderhoydonk:
I still remember the quote of the day actually, for me, the quote of the year almost: “Tradition isn’t as a successful innovation from the past”. So, are you saying that the only theme was around sustainability? Or was it also a broader theme? What were your highlights from the event? What is your personal top three or even just the top one theme of the event? The pinnacle?
Roger Portnoy:
I think the overall highlight besides the fact that the conference went well, you know, and obviously, the feedback we’ve gotten about the event itself and about the organization of the event, and how well the Marketing team handled the event and the logistics, the hotel, all those could be seen as highlight.
I would say for me, the highlight was the fact that clients shared with the audience, their own ways of modernizing their own businesses. And you know, and that and now closely, this modernization, whether you are a large universal bank, a small wealth manager or a private bank, reflected the diamond. So, we didn’t we didn’t tell people that at the beginning. You know, when we were speaking to firms, we asked them about what innovations they would talk to, and we gave them sort of general ideas of topics, but when they actually got on stage and they delivered, what you could hear in this modernization program, regardless of who was speaking about it and what the overall program was? You heard the diamond and for me, people coming in didn’t know what was the diamond, but leaving, they kind of got it.
That’s like a big deal because when you’re trying to reinvent or invigorate your brand, which we’re always trying to do, of course, you need some things which aren’t always about technology, and functionality and value chain and these other things to be present, or else your brand can become dull. So, this was a way that we achieve that. And to me, that was the highlight because going in, I didn’t really know even though I was the host, and obviously leading many of the introductions, that this would be the outcome.
Koen Vanderhoydonk:
So now, all the audience is very curious. How can they be part of the next OWIN? And I think that’s very simple to become a Objectway customer, so we always getting towards the end of this podcast. So maybe one last question, Roger, what would be a step to approach you, guys?
Roger Portnoy:
Yeah, well, actually, just let me correct you Koen on one thing you said correct, because it’s important to say that these events aren’t just for clients, we did actually have at the event, a number of prospects and we did of course, select the prospects. So, they didn’t visit our website and they didn’t say they wanted to come, and we suddenly said yes without giving about the whole conference. But obviously, you know, we have, of course, like every firm does, web presence. The other thing we have as a firm, is that we’ve developed different channels to demonstrate our web presence.
So, for example, you might have noticed that the event, there was a guy named Stephen Wall presenting, and he’s from The Wealth Mosaic. The Wealth Mosaic is a resource that people can go and find organizations like us and discover things about ourselves, you know, and therefore make themselves known to Objectway. So, of course, besides the normal digital channels, and the normal search, etc, there are sort of these distinct ways. And like I said, you know, we cover private banks, asset managers, universal banks, asset servicing firms, private clients, stockbrokers, all who are customers, and all of whom were at the event, you know, if you’re in one of those spheres, right, we’re probably relevant for you. And if you’re doing a sustainable innovation program, customer experience, lead, Target Operating Model lead, business reconfiguration lead or offering design change lead, you know, we’re probably going to be somebody you’re going to want to speak to.
Koen Vanderhoydonk:
But that’s great. Roger, it was a real pleasure having you today. I’d like to thank you a lot for your participation. Thank you also to the audience for tuning in. And please stay listening to the podcast because we will share you more information about innovation in our industry. Thank you so much.
Roger Portnoy:
Thank you very much for having me.
**RELATED POST**
Innovation
### Sustainable Innovation: Insights & Perspectives from an unparalleled Panel Discussion
[](/sustainable-innovation-insights-and-perspectives-in-wealth-and-asset-management-areas/)
Video Interview
### Crafting a Roadmap for Successful Innovation and Client Partnership in Financial Services
[](/crafting-a-roadmap-for-successful-innovation-and-client-partnership-in-financial-services/)
About Objectway
### OWIN23: Unleashing Sustainable Innovation, Collaboration, and Client-Centricity
[](/unleashing-sustainable-innovation-collaboration-and-client-centricity-at-owin23/)
**Categories:** #ClientRelationship, #CustomerConference, #Owin, #Sustainability, OWIN23, Podcast
---
### [2025 SIMA Annual Leadership Conference14th - 15th October 2025](https://objectway.com/2025-sima-annual-leadership-conference14th-15th-october-2025/)
**Published:** October 10, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Join Objectway at upcoming SIMA Annual Leadership Conference in Toronto for a dynamic line-up of sessions for the securities and investment management industry.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# SIMA Annual Leadership Conference
14th – 15th October 2025 – Join Objectway at the Royal York Hotel in Toronto for a dynamic line-up of sessions and networking opportunities for the securities and investment management industry.
## Agenda
14th October 2025
8:00 AM – 18:30 PM ET
SIMA Annual Leadership Conference
Geoff Parslow, Business Development Director, Objectway
Luay Salman, Director of Customer Success & Support, Objectway
Canada’s leading event for the securities and investment management industry returns.
Registration is now open, and Objectway will be present to engage with industry professionals on the key challenges and opportunities shaping today’s market — from asset management to capital markets and investment services.
This year’s Conference program offers a strong agenda of expert-led sessions and thought-provoking discussions, aligned with the association’s broader commitment to supporting the full spectrum of industry stakeholders.
Visit our booth to connect with our team, explore evolving market perspectives, and join conversations on Canada’s economic outlook and its implications for the financial services landscape.
For the full conference agenda and to register now, **[click here](https://conference.sima-amvi.ca/2025-sima-annual-leadership-conference)**.
Please do not hesitate to contact us at **** and we will be happy to provide you with any information you need to attend the event.
## Event Information
Tuesday, 14th October 2025, Fairmont Royal York, Front Street West, Toronto, ON, Canada 100 Front Street West M5J 1E4 Toronto ON, Canada
We’re looking forward to meeting you in Toronto!
## Speakers
Geoff Parslow
As of January 2025, Geoff was appointed as Enterprise Account Executive. With over 25 years of experience in wealth and asset management, Geoff combines deep market knowledge with a strong results-oriented approach, qualities that make him the ideal person for this role. Prior to joining Objectway, he was Head of Canadian Distribution at d1g1t and OneVest, distinguished by his ability to support companies in tackling complex business challenges.
## Related
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8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Event
**Tags:** #customerexperience, #financialinstitutions, #financialservices, #privatebanking, #technology
---
### [PAM Forum 202520th October 2025](https://objectway.com/pam-exclusive-seminar20th-october-2025-2/)
**Published:** October 22, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** The upcoming PAM seminar will launch the results of the 2025 PAM Digital Survey, sponsored by Objectway.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# PAM Forum 2025
20th October 2025 – Objectway experts will host an Exclusive Seminar organised by PAM to discuss key findings arising from 2025 PAM’s Digital Survey. Mark your calendar and join us in London.
## Agenda
Monday, 20th October 2025
5:00 – 7:45 PM
AI implementation and scalability – PAM’s 2025 Seminar
Dr. Alexander Cassar, Chief Business Development Officer, Objectway
Tariq Khan, Director of Sales and Business Development UK, Middle East & North Africa (MENA), Objectway
Andy Brodie, COO, Rathbones
Max Fakhre, Director, Evelyn Partners
Objectway is proud to sponsor the upcoming **PAM Exclusive Seminar.** During the session, we will unveil the results of the 2025 **PAM Digital Survey,** an in-depth research initiative conducted in collaboration between **Objectway and PAM Insight.**
This seminar will delve into the report’s key findings, focusing on how digital strategies, AI integration and robust data management can drive operational efficiency, enhance client acquisition and future-proof wealth management businesses. As the industry continues to evolve in response to client expectations, regulatory pressures, and technological disruption, the integration of advanced digital strategies has become not only a competitive advantage but a business imperative.
Our **Dr. Alexander Cassar, Chief Business Development Officer** and **Tariq Khan, Director of Sales and Business Development UK, Middle East & North Africa (MENA),** will discuss main challenges and issues coming from the strong hype around AI technologies across the industry.
Join us to explore how your organisation can future-proof its operating model, harnessing the power of digital innovation to remain resilient and competitive in an increasingly complex market landscape.
## Event Information
Monday, 20th October 2025, Evelyn Partners, 45 Gresham Street EC2V 7BG, London
We’re looking forward to meeting you in London!
## Speakers
Dr. Alexander Cassar
Sandro is responsible for the improvement of the Group’s Business Operations. He has joined Objectway in 2019 and now he is Objectway UK Board Member. He personally delivered a variety of change initiatives working at Director/CXO level in the wealth and asset management industry, supervising global large-scale transformation programmes in financial services. Sandro is a chartered accountant with Doctorate and Master’s Degrees in strategic information systems for wealth and asset management.
Tariq Khan
Tariq is Client Development Director at Objectway and he leads the Business Development and Account Management teams. Tariq is passionate about Wealth management sector and has been working with Wealth Managers for over 15 years, with the prime focus on delivering outstanding client outcomes. He and his team try and achieve this by forming long term partnerships with firms and enabling them to improve their user and end client experience, operational efficiency, and become future ready through Objectway’s digital solutions. Tariq studied Physiology at Kings College London and he holds the Islamic Finance Qualification.
## Related
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[„Deutschland ist noch etwas altmodisch unterwegs“](https://objectway.com/abn-amro-und-hauck-aufhauser-lampe-fusionieren-zur-drittgrosten-privatbank-deutschlands/)[Article](https://objectway.com/category/article-genitore/article-glo/)### „Deutschland ist noch etwas altmodisch unterwegs“
4 August 2026
[Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen](https://objectway.com/skalierungslucke-warum-ki-investitionen-an-der-kundenschnittstelle-verpuffen/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen
4 August 2026
[OWIN26: as-a-service e AI per trasformare la complessità in efficienza](https://objectway.com/owin26-as-a-service-e-ai-per-trasformare-la-complessita-in-efficienza/)[Article](https://objectway.com/category/article-genitore/article-glo/)### OWIN26: as-a-service e AI per trasformare la complessità in efficienza
8 July 2026
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### [Advisor Productivity: Solving the Canadian Integration Gap](https://objectway.com/advisor-productivity-solving-the-canadian-integration-gap/)
**Published:** October 17, 2025
**Author:** Lorenzo Noventa
**Excerpt:** Finanzinstitute müssen ihre veralteten Kernbankensysteme modernisieren, um Prozesse zu automatisieren, regulatorische Vorgaben zuverlässig zu erfüllen, Risiken zu minimieren und schneller neue Produkte auf den Markt bringen zu können.
**Content:**
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# Advisor Productivity: Solving the Canadian Integration Gap
17th October 2025 – Boosting advisor productivity in Canada through integration, innovation, and global best practices.
Canada ranks among the bottom five developed countries in terms of adopting digital banking, digital B2B services, and fintech solutions. Partnerships between fintech companies and traditional financial institutions are less prevalent here than in other advanced markets.
However, significant changes are occurring in Canada’s wealth management industry: clients here are now **twice as likely to change wealth managers** compared to their global counterparts. Expectations are shifting toward more personalized, transparent, and digitally enabled services.
Clients increasingly want solutions tailored to their financial goals and risk tolerance. They expect digital tools that allow them to monitor portfolios in real time, coupled with holistic advisory services. For Canadian firms and advisors, the stakes are rising. Meeting these demands requires rethinking how advisors work and how to **enhance their capacity without compromising service quality.**
The drag of fragmentation
“Productivity” has become a buzzword in the wealth management industry. Everyone agrees that advisors need more time for client relationships and less time lost to administration. However, too many firms remain stuck in a tangle of legacy systems and disconnected tools.
Rather than focusing on clients, advisors spend hours navigating between applications, reconciling inconsistent data, and duplicating effort. These fragmented systems limit productivity by forcing advisors to use manual workarounds. They also compromise the client experience because information is neither timely nor seamless. In a competitive market, this inefficiency is more than an inconvenience; it undermines growth. Firms risk losing both advisors and clients to competitors who offer a more unified, digital-first environment.
Why integration matters
If you ask any Canadian advisor what slows them down, you’ll hear the same story: too many systems, too many logins, and too much time spent piecing information together. It’s the digital equivalent of a relay race where the baton keeps getting dropped.
That’s where integration comes in. Rather than treating technology as a patchwork of disconnected tools, integrated platforms weave the entire advisor workflow into a single framework. Portfolio data, compliance alerts, and client updates stop living in separate silos and start moving together in real time.
The payoff is more than just convenience. When information flows seamlessly, advisors can identify risks and opportunities earlier, spend less time on manual tasks, and focus more on their clients. Even small productivity gains—unlocking a few percentage points of capacity—add up quickly across a firm. In practice, this results in more engaged advisors, stronger client relationships, and, ultimately, faster growth in assets under management.
The seamless advisor desktop
Picture an advisor’s day. The back office is tracking books and records. Portfolio managers are monitoring performance. Clients are logging into their portals expecting answers in real time. Yet too often, these pieces don’t talk to each other, leaving the advisor to play middleman—reconciling data that should already be connected.
A seamless advisor desktop changes the equation. Instead of bouncing between systems, the advisor sees everything in one place: portfolio updates, compliance alerts, performance trends, even client communications. Information flows directly from the back office to the front line, creating a single version of the truth for both advisor and client.
The impact is immediate. Advisors reclaim the hours they once lost to logins and workarounds. Clients enjoy a more transparent, responsive service. And firms gain the flexibility to scale, whether that means keeping pace with new regulations, expanding product offerings, or meeting the rising expectations of digital-first investors. In short, a seamless advisor desktop doesn’t just tidy up the technology—it redefines the advisor’s role, turning fragmented tasks into a unified, client-focused experience.
Lessons from foreing advanced markets, applied at home
Canada is not alone in grappling with these challenges. In more advanced digital markets, such as the UK, wealth managers have already experienced the productivity boost that comes with a seamless advisor desktop. Architectures built on microservices, mobile-optimized platforms, and no-code workflow configuration are now standard practice, helping firms respond quickly to clients and regulators alike.
However, Canada operates under its own set of realities. Regulation here is complex and evolving, with investor protection at the center. Firms are often smaller than their U.S. or European counterparts, making cost-effectiveness and adaptability critical. Client expectations are shaped by global digital norms and a distinctly Canadian financial culture.
Canadian firms can learn from global success stories, but they must also tailor their approach to local conditions. Thriving in this environment requires more than technology; it demands a trusted, hands-on partner with experience in advanced markets and a proven track record. Those who embrace that partnership will be best positioned to turn productivity into a genuine competitive advantage in the years ahead.
[](https://www.linkedin.com/in/geoffparslow/)### Geoff Parslow
Head of Sales & Business Development Canada, Objectway
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4 September 2026
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### [Kernbankmigration: Warum 80 Prozent aller Projekte scheitern und wie Banken Millionenverluste vermeiden](https://objectway.com/kernbankmigration-warum-80-prozent-aller-projekte-scheitern-und-wie-banken-millionenverluste-vermeiden-kernbankmigration-warum-80-prozent-aller-projekte-scheitern-und-wie-banken-millionenverluste-verm/)
**Published:** October 13, 2025
**Author:** Lorenzo Noventa
**Excerpt:** Finanzinstitute müssen ihre veralteten Kernbankensysteme modernisieren, um Prozesse zu automatisieren, regulatorische Vorgaben zuverlässig zu erfüllen, Risiken zu minimieren und schneller neue Produkte auf den Markt bringen zu können.
**Content:**
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# Kernbankmigration: Warum 80 Prozent aller Projekte scheitern und wie Banken Millionenverluste vermeiden
13\. Oktober 2025 – Die Kernbankmigration gilt als eine der riskantesten IT-Transformationen im Finanzwesen – doch sie ist unvermeidlich. Während 80 Prozent aller Migrationsprojekte scheitern und große Institute dabei schnell zweistellige Millionenverluste einfahren, zeigen erfolgreiche Strategien wie Dual Run, MVP-Ansätze und modulare Migrationsframeworks den Weg zum Erfolg. Karl im Brahm von Objectway erklärt, warum die Datenqualität über Triumph oder Desaster entscheidet.
Die Modernisierung von Kernbanksystemen ist für Finanzinstitute längst keine Option mehr – sie ist eine Überlebensfrage. Während viele Banken ihre Kundenschnittstellen bereits erfolgreich digitalisiert haben, laufen die kritischen Kernsysteme oft noch auf veralteten Plattformen aus den 1980er und 1990er Jahren. Diese digitale Transformation der Bankensysteme wird durch regulatorische Anforderungen wie DORA und BCBS 239 zusätzlich forciert.
Das Problem: Eine Kernbankmigration ist ein hochriskantes Unterfangen. Karl im Brahm, CEO DACH beim Finanzdienstleister Objectway, bringt die Herausforderung auf den Punkt:
„Rund 80 Prozent aller Migrationsprojekte scheitern – meist an unvollständigen oder fehlerhaften Daten.“
Die Folgen sind dramatisch, besonders für große Institute, die bei Verzögerungen schnell zweistellige Millionenverluste verzeichnen können.
Datenqualität entscheidet über Erfolg oder Millionenverlust
Die größte Stolperfalle bei der Kernbankmigration liegt nicht in der Technologie oder im Budget, sondern in einem scheinbar trivialen Aspekt: der Datenqualität. „Große Banken müssen historisch gewachsene IT-Landschaften über Ländergrenzen hinweg harmonisieren“, erklärt im Brahm die Komplexität des Problems. „Kleinere Institute haben zwar weniger Systeme, aber ihnen fehlen oft Zeit und Personal für eine gründliche Datenbereinigung.“
Erfolgreiche Migrationsprojekte behandeln die Datenmigration als eigenständiges Teilprojekt mit klaren Verantwortlichkeiten und ausreichendem Budget. Automatisierte Prüfroutinen, wiederholte Testmigrationen und einheitliche Datenformate bilden dabei das Fundament für den Erfolg.
Während Großbanken von zentraler Data Governance und umfassender Automatisierung profitieren, empfiehlt Objectway für kleinere Institute einen sogenannten MVP-Ansatz (Minimum Viable Product). Dabei werden zunächst nur die Kernfunktionalitäten implementiert, um schnelle erste Ergebnisse zu erzielen und die Komplexität zu reduzieren.
Dual Run minimiert Risiken bei der Kernbankmigration
Zeit ist neben der Datenqualität der kritischste Erfolgsfaktor bei der Kernbankmigration. Für Großbanken können Projektverzögerungen katastrophale Folgen haben: blockierte Ressourcen, verzögerte Produkteinführungen und eine geschwächte Wettbewerbsfähigkeit führen zu Folgekosten im mittleren zweistelligen Millionenbereich.
Ein bewährtes Instrument für große Institute ist der sogenannte „Dual Run“. Bei dieser Methode werden das alte und das neue Kernbanksystem parallel betrieben, um Risiken zu minimieren und den Übergang kontrolliert zu gestalten. Diese Best Practice für Dual Run-Strategien ermöglicht es, Probleme frühzeitig zu erkennen und zu korrigieren, bevor das alte System abgeschaltet wird.
„Für kleinere und mittelgroße Banken hingegen empfiehlt sich ein schrittweises Vorgehen mit festen Meilensteinen und strenger Qualitätskontrolle in jeder Phase“, erklärt im Brahm. „Standardisierte Migrationspakete und automatisierte Tests helfen dabei, Fehlerquellen zu reduzieren und Budgets im Rahmen zu halten.“
Regulatorischer Druck verschärft die Migrationssituation
Die sich ständig wandelnden regulatorischen Anforderungen verstärken den Handlungsdruck auf Finanzinstitute zusätzlich. Insbesondere die DORA-Verordnung (Digital Operational Resilience Act) und BCBS 239-Regelungen setzen neue Standards für die operative Widerstandsfähigkeit und Risikodatensammlung.
Fehlerhafte Migrationen gefährden nicht nur den Geschäftsbetrieb, sondern ziehen auch aufsichtsrechtliche Konsequenzen nach sich. „Die stark fragmentierte deutsche Bankenlandschaft verschärft die Situation zusätzlich“, erklärt im Brahm. „Viele kleinere Institute arbeiten noch mit Kernbanksystemen, die weder modular noch skalierbar sind.“
Diese Digitalisierungsherausforderungen im Bankensektor erfordern strategische Lösungsansätze, die über reine Technologie-Updates hinausgehen.
Cloud-basierte Lösungen als strategischer Vorteil
Um den Migrationsaufwand langfristig zu reduzieren und Risiken zusätzlich zu minimieren, setzen moderne Banken verstärkt auf SaaS- und BPaaS-Modelle. Diese cloudbasierten Software- und Geschäftsprozesslösungen lagern IT-Betrieb und Infrastruktur aus und ermöglichen es Banken, Skalierbarkeit und Resilienz zu erhöhen sowie flexible Kostenstrukturen zu realisieren.
Objectway begegnet den Herausforderungen der Kernbankmigration mit einem modularen Migrationsframework. Der Ansatz sieht vor, zunächst ausgewählte Kernfunktionen wie Zahlungsverkehr oder Kundenstammdaten zu migrieren. Weitere Module folgen schrittweise, sobald die ersten stabil laufen.
Vorintegrierte Module für regulatorische Anforderungen und automatisierte Tests gewährleisten dabei eine sichere und kosteneffiziente Umsetzung – oft mit Budgets im einstelligen Millionenbereich, deutlich unter den Kosten gescheiterter Großprojekte.
Führungsaufgabe statt reines IT-Projekt
Ein kritischer Erfolgsfaktor, der oft übersehen wird: Die Kernbankmigration ist keine reine IT-Angelegenheit, sondern eine strategische Führungsaufgabe. „Oft fehlen klare Zuständigkeiten und die Abstimmung zwischen Fachbereichen und IT – das Projekt wird nicht strategisch verankert“, kritisiert im Brahm.
Gerade kleinere Banken mit schlanken Strukturen tun sich hier schwer. Objectway setzt deshalb auf einen methodischen Rahmen mit klar definierten Rollen, agilen Steuerungsmodellen und einer engen Verzahnung von Business und IT.
Die erfolgreiche Kernbankmigration hängt weitgehend von der Unternehmenskultur und dem Management-Commitment ab. Ohne diese strategische Verankerung scheitern selbst technisch perfekt geplante Projekte an organisatorischen Hürden.
Der Weg zum erfolgreichen Migrationsprojekt
Die Statistiken sprechen eine klare Sprache: Mit einer Erfolgsquote von nur 20 Prozent gehören Kernbankmigrationen zu den riskantesten IT-Projekten überhaupt. Doch die Beispiele erfolgreicher Transformationen zeigen, dass eine professionelle Herangehensweise die Erfolgsaussichten drastisch verbessert.
Die Erfolgsfaktoren sind klar identifiziert: erstklassige Datenqualität, ein methodisches Vorgehen mit klaren Meilensteinen, das richtige Maß an Parallelisierung zwischen altem und neuem System sowie eine starke strategische Führung. Dabei ist die Wahl des richtigen Partners entscheidend.
„Es ist entscheidend, für ein so umfassendes Migrationsprojekt einen Partner zu wählen, der die spezifischen Herausforderungen versteht, Risiken antizipiert und sie in Wettbewerbsvorteile verwandelt“, fasst Karl im Brahm zusammen. Die Kernbankmigration mag eine der schwierigsten Transformationen im Finanzwesen sein – mit der richtigen Strategie wird sie jedoch zur Grundlage für künftigen Erfolg.
Für kleinere und mittelgroße Banken hingegen empfiehlt sich ein schrittweises Vorgehen mit festen Meilensteinen und strenger Qualitätskontrolle in jeder Phase. Standardisierte Migrationspakete und automatisierte Tests helfen dabei, Fehlerquellen zu reduzieren und Budgets im Rahmen zu halten.
[](https://www.linkedin.com/in/karl-im-brahm/)### Karl im Brahm
CEO DACH Region, Objectway
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
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4 September 2026
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### [Banken können Millionen bei der Migration von Kernbanksystemen vermeiden](https://objectway.com/anken-konnen-millionen-bei-der-migration-von-kernbanksystemen-vermeiden/)
**Published:** October 10, 2025
**Author:** Lorenzo Noventa
**Excerpt:** Finanzinstitute müssen ihre veralteten Kernbankensysteme modernisieren, um Prozesse zu automatisieren, regulatorische Vorgaben zuverlässig zu erfüllen, Risiken zu minimieren und schneller neue Produkte auf den Markt bringen zu können.
**Content:**
[](/news/)
View all News
# Banken können Millionen bei der Migration von Kernbanksystemen vermeiden
10\. Oktober 2025 – Finanzinstitute müssen ihre veralteten Kernbanksysteme modernisieren, um Prozesse zu automatisieren, regulatorische Vorgaben zuverlässig zu erfüllen, Risiken zu minimieren und schneller neue Produkte auf den Markt bringen zu können. Doch rund 80 Prozent aller Migrationsprojekte scheitern – meist an unvollständigen oder fehlerhaften Daten.
Das Kernbankensystem einer Bank steuert sämtliche Prozesse von der Kontoführung über Zahlungsverkehr bis hin zur Kreditvergabe und zum Reporting. Während viele Institute ihre Kundenschnittstellen bereits modernisiert haben, laufen die Kernsysteme oft noch auf veralteten Plattformen. Um effizienter zu werden und regulatorische Anforderungen wie DORA und BCBS 239 erfüllen zu können, müssen Banken jedoch auch ihre Kernsysteme auf modulare Plattformen migrieren.
Dabei stoßen sie jedoch auf eine Vielzahl an Herausforderungen: komplexe Altsysteme, historische Daten in unterschiedlichen Formaten und Qualität sowie fehlende interne Kapazitäten. Das macht die Migration zu einem risikobehafteten Prozess. Kein Wunder also, dass rund 80 Prozent aller Migrationsprojekte scheitern. Die größte Hürde ist dabei nicht etwa das Budget oder die Technologie, sondern die Datenqualität. Fehlerhafte Migrationen aber können für große Institute schnell zu zweistelligen Millionenverlusten führen.
Gleichzeitig geraten auch kleine und mittelständische Banken unter Druck: Diese Finanzinstitute stehen vor der Herausforderung, trotz knapper Budgets und begrenzter IT-Kapazitäten umfangreiche Migrationsprojekte umzusetzen. Wer frühzeitig auf Datenqualität, umfassende Tests und ein modulares Vorgehen setzt, kann Projekte im Budget halten und Risiken minimieren.
Objectway hat für diesen Zweck ein Migrations-Framework entwickelt, das speziell auf die Bedürfnisse mittelgroßer Institute zugeschnitten ist. Es kombiniert strukturierte Datenprüfung, agile Projektsteuerung und eine schrittweise Migration über klar definierte Funktionsbereiche wie Zahlungsverkehr oder Kundendaten-Management.
Diese Strategien machen Daten startklar
Ein Großteil der Fehlschläge bei der Kernbankmigration lässt sich auf fehlerhafte, unvollständige oder widersprüchliche Daten zurückführen. Das leigt unter anderem daran, dass große Banken historisch gewachsene IT-Landschaften über Ländergrenzen hinweg harmonisieren müssen. Kleinere Institute haben zwar weniger Systeme, aber ihnen fehlen oft Zeit und Personal für eine gründliche Datenbereinigung.
Erfolgreiche Projekte behandeln Datenmigration deshalb als eigenständiges Teilprojekt, mit klaren Verantwortlichkeiten, ausreichendem Budget und einer frühzeitigen Planung. Automatisierte Prüfroutinen, wiederholte Testmigrationen und einheitliche Datenformate sind dafür unverzichtbar.
Dazu ist In Abhängigkeit von der Größe des Unternehmens Folgendes nötig: Während Großbanken von zentraler Data Governance und Automatisierung profitieren, empfiehlt sich für kleinere Institute ein so genannte MVP-Ansatz (MVP = Minimum Viable Product), bei dem zunächst die Kernfunktionalitäten implementiert werden, um schnelle erste Ergebnisse zu erzielen und die Komplexität zu reduzieren.
Statt also einmaliges „Big Bang“-Projekt anzustreben, sollte die Migration schrittweise und inkrementell erfolgen. Der Fokus liegt darauf, so schnell wie möglich eine funktionierende, minimal tragfähige Lösung in der Zielumgebung bereitzustellen und diese dann iterativ zu erweitern.
Verzögerungen können zu Millionenverlusten führen
Neben Datenqualität ist Zeit der kritischste Erfolgsfaktor. Für Großbanken können Verzögerungen blockierte Ressourcen, verzögerte Produkteinführungen und eine geschwächte Wettbewerbsfähigkeit bedeuten. Es drohen mit Folgekosten im mittleren zweistelligen Millionenbereich. Ein bewährtes Instrument für diese Institute ist der „Dual Run“, bei dem das alte und das neue System parallel betrieben werden, um Risiken zu minimieren und den Übergang kontrolliert zu gestalten.
Für kleinere und mittelgroße Banken hingegen empfiehlt sich ein schrittweises Vorgehen mit festen Meilensteinen und strenger Qualitätskontrolle in jeder Phase. Standardisierte Migrationspakete und automatisierte Tests können dabei helfen, Fehlerquellen zu reduzieren und Budgets im Rahmen zu halten.
Um den Migrationsaufwand langfristig zu reduzieren und Risiken zusätzlich zu minimieren, sollten Banken auch auf SaaS- und BPaaS-Modelle setzen können. Dabei handelt es sich um cloud-basierte Software- und Geschäftsprozesslösungen, die IT-Betrieb und Infrastruktur auslagern. So können Banken Skalierbarkeit und Resilienz erhöhen und zugleich flexible Kostenstrukturen realisieren.
Regulatorischer Druck und Marktfragmentierung erschweren die Migration in Deutschland: DORA, BCBS 239 und die DSGVO. Objectway begegnet dem mit einem modularen Migrations-Framework.
Dabei werden zunächst ausgewählte Kernfunktionen wie Zahlungsverkehr und Kundenstammdaten migriert. Weitere Module folgen, sobald die ersten stabil laufen. Vorab integrierte Module für regulatorische Anforderungen und automatisierte Tests sollen dabei eine sichere, kosteneffiziente Umsetzung gewährleisten.
Migration ist kein IT-Projekt – sondern eine Führungsaufgabe
Doch es gilt auch hier: Erfolgreiche Migrationen hängen weitgehend von der Unternehmenskultur ab. Oft fehlen klare Zuständigkeiten und die Abstimmung zwischen Fachbereichen und IT. Das Projekt wird in solchen Fällen nicht strategisch verankert. Gerade kleinere Banken mit schlanken Strukturen tun sich hier schwer.
Gut also wenn das IT-Produkt Regeln vorgibt. Objectway setzt auf einen methodischen Rahmen mit klar definierten Rollen, agilen Steuerungsmodellen und einer engen Verzahnung von Business und IT.
Objectway hat für diesen Zweck ein Migrations-Framework entwickelt, das speziell auf die Bedürfnisse mittelgroßer Institute zugeschnitten ist. Es kombiniert strukturierte Datenprüfung, agile Projektsteuerung und eine schrittweise Migration über klar definierte Funktionsbereiche wie Zahlungsverkehr oder Kundendaten-Management.
[](https://www.linkedin.com/in/karl-im-brahm/)### Karl im Brahm
CEO DACH Region, Objectway
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
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[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
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### [AI helps ME wealth market catch up with the UK](https://objectway.com/ai-helps-me-wealth-market-catch-up-with-the-uk/)
**Published:** September 16, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** AI can promote transparency, thereby strengthening trust and ensuring that client expectations are met.
**Content:**
[](/news/)
View all News
# AI helps ME wealth market catch up with the UK
16th September 2025 – A new report from EY has revealed AI has become a “game-changer” for the wealth management industry in the MiddleEast.
The 2025 EY Global Wealth Research Report gathered insights from 3,600 wealthy, finding that factors such asgeopolitical conditions and market volatility encourage wealth managers to enhance their offerings.
Notably, 55 percent of clients in the region reported increasing their meetings with advisers in response to marketvolatility, substantially higher than the global average.
Tariq Khan, director of sales and business development for UK and Middle East and North Africa (MENA), suggested thiswas because clients wish for personalised advice “more quickly” in addition to deeper insights into investment risk andopportunity.
“As the region often looks to more mature markets, such as the UK and Europe, for guidance, the appetite for AI isgrowing, as it can help to bridge the digital and tech readiness gap,” Mr Khan said.
AI can help with this heightened engagement from clients by automatically monitoring portfolios, simulating “what-if”scenarios, and flagging risks or opportunities before clients even need to ask.
Additionally, it can also support hyper personalised services by identifying the most at-risk or high-value clients toprompt a follow-up with.
With AI able to assist wealth managers in a variety of ways, 71 percent of clients in the MENA region expect their wealthmanagers to incorporate AI into their offerings.
This expectation is particularly pronounced among younger generations, with 75 percent of millennials expressing astrong desire for AI-driven solutions.
Additionally 60 percent of wealthy clients anticipate AI will play a substantial role in managing their wealth.
Another expectation is that AI will transform transparency, especially in relation to fees in the industry, the report found.
Currently 15 percent of clients globally accept asset under management (AUM) percentage-based fees, this figure risesto 27 percent in the Middle East. However, there are still concerns about hidden costs.
For example, some wealth managers in the region charge layered fees for transactions, custody, and fund managementwhich can be difficult for clients to track.
AI can automatically break down costs by transaction, product, or strategy if clean data is inputted into it.
Clearer fee structures are already commonplace among clients in the UK and Europe, Mr Khan acknowledged.
Strengthened trust should result in more loyal clients which is becoming increasingly important, especially considering36 percent of clients surveyed demonstrated a willingness to switch providers in the Middle East. This is compared to aglobal average of 19 percent.
While AI can be used to acquire clients in a region that “expects innovation”, it is equally important that it can retainthem.
Ultimately “clients feel better served and become more loyal when their wealth manager is proactive,” Mr Khanconcluded.
AI can promote transparency thereby strengthening trust and ensuring that client expectations are met.
[](https://www.linkedin.com/in/tariqkhan5/)### Tariq Khan
Director of Sales and Business Development for UK and Middle East and North Africa (MENA), Objectway
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**Categories:** Article
**Tags:** #artificialintelligence, #efficiency, #financialservices, #operationalefficiency, #wealth-management-trends
---
### [Is Hyper Personalisation achievable in the advisory wealth management?](https://objectway.com/is-hyper-personalisation-achievable-in-the-advisory-wealth-management/)
**Published:** May 6, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Koen Goossens, Senior Client Solution Leader, Objectway - Achieving “Hyper personalization” in the wealth management business is typically a challenge.
**Content:**
###### MAY 06, 2021
# Is Hyper Personalisation achievable in the advisory wealth management?
[Koen Goossens](https://www.linkedin.com/in/koen-goossens-664b7b/)
Senior Client Solution Leader at Objectway
Augmented Intelligence
[\#Hyperpersonalisation](/hyper-personalisation/)[\#DigitalAdvisory](/digital-advisory/)[\#ClientExperience](/clientexperience/)
[](/podcast-augmented-intelligence/#hyperpersonalization)
Listen to Other Episodes
Audio Transcript
Achieving “Hyper personalization” in the wealth management business is typically a challenge between:
- how much time do you want to spend with your client
- making sure the investment process is compliant will all regulatory requirements
- and how automated the process should be
If there is one business line in the wealth management industry where personalization has recently becomes extremely relevant, it is the advisory wealth management business. Here, it used to be common practice to simply establish the risk profile of the client and to provide an investment proposal based on that risk profile only. Today, however, it is imperative to go the extra mile in the ‘personalization’ of the advice, and make sure to capture all the client’s needs and preferences, like:
- What is the objective that the client wants to achieve with his investment?
- What is the time horizon of it?
- But also, what is the client’s risk tolerance?
- And, in conclusion, what is the client’s attitude towards ESG products?
The challenge is then to provide the client with a personalized advice that fits all these criteria, that is compliant with all regulations and to make sure that the overall process is as much automated as possible.
On top of that, providing personalized advice is not just a point-operation anymore that you only execute when the client asks for it, but it should be a continuous theme in your relationship with your clients. Advisory wealth management firms need to monitor their advisory portfolios on an ongoing basis as well as regularly inform their clients about the situation of their investments and if they still comply with all the client’s requirements. But at the same time, this ongoing monitoring also provides opportunities for wealth management firms to remain engaged with their clients and give them a ‘warm’ and ‘personalized’ feeling about the wealth management company they have chosen in the first place.
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**Categories:** #DigitalAdvisory, #HybridAdvisory, #HyperPersonalisation, Augmented Intelligence, Podcast
---
### [From one-fits-all to client-centric: how wealth managers are shifting to stay relevant](https://objectway.com/the-shift-to-a-client-centric-model-in-wealth-management/)
**Published:** April 21, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Kurt Vanhee, Managing Director CE & North America, Objectway - Hyper-personalisation in banking and wealth management is the approach that provides a unique user experience and high-quality service, each time a client interacts with his Bank or Advisor.
**Content:**
###### APR 21, 2021
# From one-fits-all to client-centric: how wealth managers are shifting to stay relevant
[Kurt Vanhee](https://www.linkedin.com/in/kurtvanhee/)
Managing Director CE & North America at Objectway
Augmented Intelligence
[\#Hyperpersonalisation](/hyper-personalisation/)[\#DigitalAdvisory](/digital-advisory/)[\#ClientExperience](/clientexperience/)
[](/podcast-augmented-intelligence/#hyperpersonalization)
Listen to Other Episodes
Audio Transcript
Hyper-personalisation in banking and wealth management is the approach that provides a unique user experience and high-quality service, each time a client interacts with his Bank or Advisor. Prior to this decade of digitalization, personalization was done based on client segmentation. Clients were categorized into different one-dimensional segments, based on generic static characteristics. This segmentation needs to be turned into a multi-dimensional model when it comes to client interaction.
It is not about what different features you offer to your clients, but it’s about providing the right feature to the right client at the right moment. Becoming client centric is crucial.
Let’s take the example of banking portals.. With the majority of Banks, there is still a trend that “one-fits-all”. Taking the technical split between IOS and Android out of the equation, Banks still have one version of their portal. But young people might need other information than retired people. The investment horizon and financial behavior changes dramatically when people get older or when their family status changes. And still, a lot of banks offer the same tools and products to young professional and seniors. Banks need to change their approach from one-fits-all to client-centric. This can be done using data analytics and behavioral science. It starts with analyzing the behavior, the needs and the wants of the existing clients to prepare tomorrow’s unique client interaction.
And the same goes for the client reporting. I have seen Banks taking their first step in personalizing their reporting packs. One did that based on the AUM of the client, where below a certain threshold, a light reporting pack was produced with only standard information. Once the client’s managed portfolio goes above that threshold or contains certain types of instruments, additional more sophisticated data and risk information was added.
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[](https://objectway.com/hyper-personalisation-in-wealth-management/)
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[](/is-hyper-personalisation-achievable-in-the-advisory-wealth-management/)
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[](/hyper-personalisation-in-the-context-of-investor-risk-profiling/)
**Categories:** #ClientExperience, #DigitalAdvisory, #HyperPersonalisation, Augmented Intelligence, Podcast
---
### [Hyper Personalisation in the context of investor risk profiling](https://objectway.com/hyper-personalisation-in-the-context-of-investor-risk-profiling/)
**Published:** May 12, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Jurgen Vandenbrouck, Managing Director, EveryoneINVESTED - There is a lot of potential for hyper-personalisation in the context of risk profiling.
**Content:**
###### MAY 12, 2021
# Hyper Personalisation in the context of investor risk profiling
[Jurgen Vandenbrouck](https://www.linkedin.com/in/jurgen-vandenbroucke-phd-7ab0101/)
Managing Director at EveryoneINVESTED
Augmented Intelligence
[\#Hyperpersonalisation](/hyper-personalisation/)[\#DigitalAdvisory](/digital-advisory/)[\#ClientExperience](/clientexperience/)
[](/podcast-augmented-intelligence/#hyperpersonalization)
Listen to Other Episodes
Audio Transcript
My contribution on hyper-personalisation deals with risk profiling.
There is a lot of potential for hyper-personalisation in the context of risk profiling. Today I will motivate to look beyond the classic risk categories.
To explain what I mean, let me refer to the title of a famous book written by Nobel laureate Daniel Kahneman. Daniel Kahneman won the Nobel prize in 2002 for his pioneering work in decision science and behavioural finance.
The title of his book is “thinking, fast and slow”, which indicates two ways to come up with a decision in your mind.
Consider first “thinking fast”. Thinking fast refers to instinctive thinking, based on a first reaction, based on emotions. In the context of investing, thinking fast defines how your clients deal with fluctuations in their portfolio and how they cope with interim gains and losses. People differ in this respect. As a financial institution you want to know how your client feels about gains and losses because you need to address this properly if you want to keep the client on board. So, when it comes to “thinking fast” you basically want to prevent your client from pushing the “SELL” button when financial markets are challenging.
Next consider “thinking slow”. Thinking slow refers to situations where you take the time to think the situation through, to consider all options and to analyse the decision carefully.
In the context of investing, thinking slow defines how clients look at their long term investment goals. Any investor knows that higher performance ambitions come with more uncertainty. Again, people differ in how they balance long term risk and reward. It is crucial that you, as a financial institution, find the right balance because this is what triggers your client to push the “BUY” button today.
The book title points at the fact that “thinking fast” and “thinking slow” are complementary aspects of investor preferences. You hence need to address both, because they both bring valuable information. “Thinking slow” tells you how to turn the client into an investor TODAY. “Thinking fast” shows you how to make sure the investor stays invested TOMORROW and any time in the future.
Hyper-personalisation in the context of risk profiling means you subscribe to the complementary aspect of “thinking, fast and slow”.
In summary, the way to hyper-personalisation in the context of risk profiling is crucially to build on BEHAVIOURAL FINANCE FINDINGS when defining your risk profiles.
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[](/the-shift-to-a-client-centric-model-in-wealth-management/)
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[](/is-hyper-personalisation-achievable-in-the-advisory-wealth-management/)
**Categories:** #DigitalAdvisory, #HyperPersonalisation, #RiskManagement, Augmented Intelligence, Podcast
---
### [Use digital change to improve the 'WOW factor' for clients](https://objectway.com/use-digital-change-to-improve-client-relationship/)
**Published:** June 1, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Tariq Khan, Director of Business Development, Objectway - So is digital change the only answer to a better client experience?
**Content:**
###### JUN 1, 2021
# Use digital change to improve the ‘WOW factor’ for clients
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
Director of Business Development at Objectway
Customer Experience
[\#ClientExperience](/clientexperience/)[\#Clientrelationship]()[\#Customerjourney](/customerjourney/)[\#DigitalEngagement](/digital-engagement)[\#DigitalChange](/digitalchange/)
[](/podcast-customer-experience/#clientexperience)
Listen to Other Episodes
Audio Transcript
Unprecedented numbers of clients have stated they will look for another firm if improvements in the client experience are not made. For example, end client research shows that 47% of wealth management clients want to see a significant or very significant improvement in client reporting and 60% say they are likely to look for another provider if improvements are not made. The figures are not dis similar when it comes to the clients’ view of their current client portal or the way ESG is being delivered to them. These are potentially very disruptive changes in a traditionally sticky client base that has got used to and often relied on higher levels of digital interaction through the pandemic.
Clients have also identified ‘wow moments’ which refer to touchpoints that will strongly improve their overall perception of their firm. For instance, receiving personalised reports based on individual preferences are a good example of a ‘wow moment’ others include ‘personalised portfolio recommendations’ and relevant interactions with specialists in the firm. Interestingly, over 60% of clients believe that digitally savvy firms may be better placed to deliver these wow moments as they have a better handle on how to transform data into meaningful client outcomes and have slicker digital processes which means delivery of these outcomes translates to an improved client experience.
So is digital change the only answer to a better client experience?
The short answer is no. BUT digital change can certainly go a long way to enabling it. Indeed 75% of clients would like MORE face to face interaction with a human expert as technology improves.
The client experience will definitely benefit from more user friendly digital touchpoints and also more importantly, these can be used to deliver more tailored content which is easily accessible on multi devices at a time that suits the client. The use of data and advanced analytics is set to play an important role. However most firms are at a very early stage when it comes to this area. A first step could be integrating client preference information into their overall journey- which includes both the digital and human interaction.
Also, firms need to prioritise improvements in the wow factor moments, otherwise clients will leave to find them some where else!
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---
### [Has the pandemic accelerated adoption of new technology in wealth management firms?](https://objectway.com/the-adoption-of-new-technology-in-wealth-management-after-the-pandemic/)
**Published:** June 9, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** David Wilson, Senior Business Development Manager, Objectway - The application of more digital services during the Covid pandemic has been a necessity to maintain connectivity between investment advisors and their clients.
**Content:**
###### JUN 09, 2021
# Has the pandemic accelerated adoption of new technology in wealth management firms?
[David Wilson](https://www.linkedin.com/in/david-wilson-13ba3811/)
Senior Business Development Manager at Objectway
Customer Experience
[\#ClientExperience](/clientexperience/)[\#Clientrelationship]()[\#Customerjourney](/customerjourney/)[\#DigitalEngagement](/digital-engagement)[\#DigitalChange](/digitalchange/)
[](/podcast-customer-experience/#clientexperience)
Listen to Other Episodes
Audio Transcript
Last year has resulted in significant growth of wealth management. Talking to most firms they have increased their AUM and fees. IT spending globally is > $20b annually and increasing year on year by 4-5% and will continue through 2024.
The application of more digital services during the Covid pandemic has been a necessity to maintain connectivity between investment advisors and their clients. Simply, virtual meetings are an everyday occurance now and accepted by most. Sending documents electronically is another standard.
We are facing a period of economic recovery. If you combine that with last years, Covid driven prioritisation of digital services it makes for an exciting disruption in wealth management IT over the next few years.
What will firms put their investment or money into? Certainly, the client experience or journey demands focus. Because it is differentiator for the business. Take old, manual activities such as onboarding for example. It generally causes bottlenecks and delays leading to frustration among clients and advisors. The advisor complaining that their IT is not up to the job. So, we end up with both sides of the chain being dissatisfied.
Then there are leading edge firms who have invested in full automated self-onboarding that has reduced onboarding to 15 minutes or at least a few hours.
They have joined up the client journey in a seameless, system managed process combining prospecting, risk profiling, AML/KYC, Account opening, eSigning of documents, integrated biometric authentication, investment mgmt. and reporting without any perceived delays or gaps in service. And they have done this by making sure the advisor can always be called on for face-to-face interaction when needed without disrupting the client journey. It’s a true HYBRID client/Advisor experience.
In a recent survey Celent predicts 68% of clients expect 100% digital onboarding in a post covid environment
The next evolution in the client journey, to improve the advisor/client relationship is the introduction of Intelligent Advice using AI. If you can optimize the advisor workflow you can more efficiently and effectively manage more clients. The big mistake in the search to increase the client base was to think of robo advisory technology as the panacea. Clearly it didn’t work. The right move was to introduce the advisor into the robo automated processes when the client asks for it. This Hybrid approach is now generally accepted as the way to evolve the business.
Another evolution is t0 use data analytics to better assist the advisor in achieving investment return for their client. Freeing an advisor 2 or 3 hours per day from checking investments and strategy, can you imagine how much more business getting activities they can engage in?
At present there is a huge increase in implementing CRM systems in the wealth industry. This has been going on for years without much success but now there is recognition that data will be king in the new paradigm. To use new technology such as AI and Machine Learning, you need data and firms need to first have CRM at its core before they can start analysing data to deliver intelligent advice. By Intelligent Advice, I mean highly personalized investment advice based not only on the advisors’ ideas but incorporating client behavior and preferences together with automated sophisticated analysis of investment return.
This can deliver robust assistance to the advisor and to larger number of clients. Not just to the traditional HNW client but also the Mass Affluent base where previously it proved too costly to secure those clients.
Robo platforms had their role in introducing new technology, we now see traditional firms starting to adopt some aspects of this new technology and with Covid being a further accelerator firms now are prioritizing data so they can deliver AI based Intelligent Advisor recommendations to their Hybrid Advisor client journeys.
Less than 30% of wealth firms have implemented fully a “data analytics” strategy. There is a tremendous opportunity still to be one of the first!
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---
### [Treat different people differently](https://objectway.com/making-client-experience-a-unique-one/)
**Published:** June 16, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Alexander Cassar, CBOO, Objectway - High Net-worth Individuals expect privileges and exceptional treatment, and wealth managers know this very well.
**Content:**
###### JUN 16, 2021
# Treat different people differently
[Alexander Cassar](https://www.linkedin.com/in/sandrocassar/)
CBOO at Objectway
Customer Experience
[\#ClientExperience](/clientexperience/)[\#Clientrelationship]()[\#Customerjourney](/customerjourney/)[\#DigitalEngagement](/digital-engagement)[\#Hyperpersonalisation](/hyper-personalisation/)
[](/podcast-customer-experience/#clientexperience)
Listen to Other Episodes
Audio Transcript
I would like to share some thoughts on Differentiation. What is it, and why is it important?
In plain English it simply means “Treat Different People Differently” – this is so important, that you may excuse me if I repeat it again later. Since the Industrial Revolution, businesses have prioritised standardisation as a tool for efficiency and economies of scale. But Ford’s “Any colour is good as long as it is black” is now in the distant past and a variety of choices is the norm. And a “one size fits all” approach is inappropriate – most acutely in no other industry but Wealth Management.
Wealth, and being treated like everyone else, don’t go hand-in-hand. This just doesn’t work.
High Net-worth Individuals expect privileges and exceptional treatment, and wealth managers know this very well. For centuries they have provided superb experiences to their valuable clients and have paid meticulous attention to detail in pleasing them in every possible way.
Yet most firms only differentiate between ‘High’ and ‘Ultra-high’ as value segments, now at best adding the mass-affluent layer below. And everyone is offered the same excellent experience.
Is it truly excellent? No matter how superior this client experience is, it cannot be good enough if it doesn’t consider individual background. Account for personal needs and goals, and not least – character, perceptions, and emotions. Making the client feel good is fine, but making them feel unique, uniquely understood, uniquely valued, and uniquely cared for – is the ultimate experience. This strategic goal is achievable through planning, investment, and relentless work.
You will need deep insights into individual client characteristics. This requires analytical capabilities and advanced use of data. Deploying new technologies, always seek functionality that provides you with better client data and enables smart analytical models to inform your client treatment.
Translating such insight into differentiated interactions should not be left to chance or even – to the talent of relationship managers and advisors. Data science, particularly Deep Learning-based AI, can help differentiate experiences according to countless variables, in real time. The wealth managers interacting with clients can have at their fingertips not only most relevant information, but even predictive and prescriptive prompts about best actions and offers. This ‘hybrid’ (human-with-machine) model is the latest and most promising trend in technology-enabled Wealth Management.
Client experience is the next frontier and ultimate competitive advantage. The best wealth managers enhance it with technology. Follow them – or lead in this.
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---
### [Are you managing wealth or client experience? Pt.1](https://objectway.com/are-you-managing-wealth-or-client-experience-pt-1/)
**Published:** June 24, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Vladimir Dimitroff, Chairman at Senior Executives Forum, Objectway - Customer Experience is at least as important as preserving and growing the wealth.
**Content:**
###### JUN 24, 2021
# Are you managing wealth or client experience? Pt.1
[Vladimir Dimitroff](https://www.linkedin.com/in/vdimitroff/)
Chairman at Senior Executives Forum at Objectway
Customer Experience
[\#ClientExperience](/clientexperience/)[\#Clientrelationship]()[\#Customerjourney](/customerjourney/)[\#DigitalEngagement](/digital-engagement)[\#DigitalChange](/digitalchange/)
[](/podcast-customer-experience/#clientexperience)
Listen to Other Episodes
Audio Transcript
To wrap up the Objectway series on Customer Experience in Wealth Management, I’d like to challenge you with a statement: managing wealth is easier than managing experiences. And I’d go a step further: Customer Experience is at least as important as preserving and growing the wealth – if not even more!
How come? Why is it more important?
Here we need to take a good look at what is Customer Experience, actually? Many believe that this is about the quality of service and the treatments our valued customers receive when interacting with our business. But it’s a lot more – experience is also:
- our adverts or digital media posts, which triggered their interest before they even thought of becoming customers. The look and feel, the language, the intuitive impact of the message.
- the ambiance of our office or the place we choose to meet them, the light and colours, the sounds, aromas and tactile response of the furniture. Not to mention the tea or coffee served and the smiles (or otherwise) of people they encounter.
- it is also the design of our websites and mobile apps, not just the beautiful graphics but also the ease of navigation and speed of getting to what we need to learn or do there. Or the annoying long waits between pages, confusing texts, or buttons that do nothing when you click them.
- not least, an especially important experience is our product and service: the performance of investments we make on their behalf or advise them to make, the outcomes they receive from using our financial services. Here we got to the starting question: to deliver great experience you must provide superb wealth management! And all other things I mentioned, and even more…
Am I too demanding? Yes and no: you can deliver great portfolio performance to keep clients happy, ignore all the other ‘fluff’ and be forgiven because the client is making money. That would work if you were RyanAir or EasyJet. Wealth is a different game and HNWI clients deserve – and expect – more. And, given the commoditisation of investment instruments and management techniques, the last frontier of competitive differentiation is becoming the comprehensive experience delivered by firms in our sector.
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---
### [Are you managing wealth or client experience? Pt.2](https://objectway.com/are-you-managing-wealth-or-client-experience-pt-2/)
**Published:** July 1, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Vladimir Dimitroff, Chairman at Senior Executives Forum, Objectway - Customer Experience is at least as important as preserving and growing the wealth.
**Content:**
###### JUL 01, 2021
# Are you managing wealth or client experience? Pt.2
[Vladimir Dimitroff](https://www.linkedin.com/in/vdimitroff/)
Chairman at Senior Executives Forum at Objectway
Customer Experience
[\#ClientExperience](/clientexperience/)[\#Clientrelationship]()[\#Customerjourney](/customerjourney/)[\#DigitalEngagement](/digital-engagement)[\#DigitalChange](/digitalchange/)
[](/podcast-customer-experience/#clientexperience)
Listen to Other Episodes
Audio Transcript
First and foremost a genuine determination and commitment to excellence. Then, always looking at the Big Picture and designing experiences for every aspect of the business and the client’s life: marketing and sales experiences, onboarding experiences, advice experiences, reporting experiences, and even departure experiences if, for some reason, we lose a customer. Memorably excellent experiences on every channel of interaction – in person or digital, indoor and outdoor, on screen or on paper. And most important – as earlier podcasts already mentioned – differentiated experiences, showing your understanding of the uniqueness of each customer and their distinctive needs, goals, attitudes, and feelings. ‘Hyper-personalisation’ is not an empty buzzword: it really means being uniquely different with each different client, recognising them as a unique individual and being relevant to those differences.
Can technology help? Yes, but you should stop thinking of point solutions like an onboarding tool, or a CRM system, or a cool website. Envisage, build and utilise an all-round architecture where all those components are seamlessly integrated and behave as one. Integrate that architecture with an operating model of customer-centric processes, immerse them in a deeply customer-centric company-wide culture – and you can be a winner! Winner of hearts and minds, of loyal clients and lasting mutual prosperity.
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### Treat different people differently
[](/making-client-experience-a-unique-one/)
Podcast
### Are you managing wealth or client experience? Pt.1
[](/are-you-managing-wealth-or-client-experience-pt-1/)
**Categories:** #ClientExperience, #ClientRelationship, #CustomerJourney, #DigitalEngagement, Customer Experience, Podcast
---
### [The importance of Client Experience](https://objectway.com/the-importance-of-client-experience/)
**Published:** January 25, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Katie Royals speaks to Tariq Khan, Director of Business Development at Objectway, about how firms can leverage the powers of technology to offer an enhanced level of service to clients.
**Content:**
###### JAN 25, 2023
# The importance of Client Experience
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
Director of Business Development at Objectway
[Katie Royals](https://www.linkedin.com/in/katherineroyals/)
Managing Editor at PAM Insight Ltd
Customer Experience
[\#ClientExperience](/clientexperience/)[\#Clientrelationship]()[\#Customerjourney](/customerjourney/)[\#DigitalEngagement](/digital-engagement)[\#DigitalChange](/digitalchange/)
[](/podcast-customer-experience/#clientexperience)
Listen to Other Episodes
Katie Royals, managing editor at PAM Insight, speaks to Tariq Khan, Director of Business Development at Objectway, about how firms can leverage the powers of technology to offer an enhanced level of service to clients.
**RELATED POST**
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### Client Experience: a digital journey that is achievable
[](/client-experience-an-achievable-digital-journey/)
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### Use digital change to improve the ‘WOW factor’ for clients
[](/use-digital-change-to-improve-client-relationship/)
Podcast
### Has the pandemic accelerated adoption of new technology in wealth management firms?
[](/the-adoption-of-new-technology-in-wealth-management-after-the-pandemic/)
**Categories:** #ClientExperience, #CustomerJourney, #DigitalChange, #FrontOffice, Customer Experience, Podcast
---
### [Il modello cross border nei servizi di consulenza patrimoniale](https://objectway.com/il-modello-cross-border-nei-servizi-di-consulenza-patrimoniale/)
**Published:** September 15, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Nicola Pepè, Senior Business Development Manager, Objectway - Comunemente un’operazione cross border è una transazione che implica l’acquisto e la vendita di strumenti finanziari negoziati in mercati non domestici oppure la partecipazione di controparti residenti in Paesi diversi.
**Content:**
###### SEPT 15, 2021
# Il modello cross border nei servizi di consulenza patrimoniale
Nicola Pepè
Senior Business Development Manager, Objectway
Advisory
[\#Clientreporting](/client-reporting/)[\#ClientCommunication](/clientcommunication/)[\#Smcr](/smcr/)
[](/podcast-advisory/#SdR21)
Listen to Other Episodes
Audio Transcript
Comunemente un’operazione cross border è una transazione che implica l’acquisto e la vendita di strumenti finanziari negoziati in mercati non domestici oppure la partecipazione di controparti residenti in Paesi diversi. Negli ultimi anni, si è assistito ad un aumento sia del numero che del volume delle transazioni cross border. Tra i diversi fattori che hanno contribuito a questa crescita, è importante citare il progresso tecnologico e l’aumento della dimensione dei mercati finanziari.
Il processo tecnologico ha avviato un profondo processo di trasformazione nella relazione tra il cliente ed il consulente finanziario che in maniera sempre più importante deve essere un grado di offrire una gamma di servizi di consulenza patrimoniale con un approccio Olistico Glocal (semplicità di accesso domestico ad un portafoglio di risorse globali); mentre l’aumento della dimensione dei mercati finanziari è stato il risultato della liberalizzazione dei movimenti internazionali dei capitali e della omologazione di regole e vincoli normativi.
Detenere quota parte del proprio patrimonio su scala globale, poter disporre di un supporto finanziario a distanza ed avere la capacità di effettuare transazioni a livello locale sta diventando una richiesta di servizi in continua rapida crescita nel target di clienti HNWI; diventando quasi preponderante.
Ci sono però alcuni elementi di attenzione che devono essere considerati e presidiati nella costruzione e nella messa in esercizio di un modello cross border correlato ai servizi di consulenza patrimoniale:
- Valorizzare gli elementi distintivi delle istituzioni finanziarie che partecipano al modello
- Disporre di una piattaforma tecnologica in grado di evolvere secondo i trend globali
- Operare in piena conformità ai requisiti regolamentari e fiscali locali ed internazionali
Nello scenario peggiore, non presidiare questi elementi, significa affrontare rischi che possono trasformarsi in vere e proprie catastrofi, arrivando a costare alle aziende milioni di euro di opportunità perse, spese impreviste e persino multe; al contrario, in caso di successo, le istituzioni finanziarie che intercettano le aspettative dei clienti ed offrono un portafoglio di servizi integrato sono in grado di catturare una grande fetta dei clienti HNWI.
Questa attenzione richiede competenza ed esperienza, adeguati investimenti e grande attenzione verso le normative vigenti.
**RELATED POST**
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### La nuova direzione della consulenza patrimoniale
[](/nuova-direzione-della-consulenza-patrimoniale/)
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### La situazione della consulenza patrimoniale in Italia
[](/la-consulenza-patrimoniale-in-italia/)
Podcast
### Cross Border Private Banking: l’approccio olistico glocal di Cassa Lombarda
[](https://objectway.com/cross-border-e-private-banking-il-modello-olistico-cassa-lombarda/)
**Categories:** Advisory, Podcast
---
### [La nuova direzione della Consulenza Patrimoniale](https://objectway.com/nuova-direzione-della-consulenza-patrimoniale/)
**Published:** September 1, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Gianbattista Geroldi, CEO Italia, Objectway - La consulenza patrimoniale ha subito profonde trasformazioni negli ultimi anni passando da un modello basato su una relazione tra Cliente e Consulente, ad un processo di consulenza via via sempre più digitale.
**Content:**
###### SEPT 01, 2021
# La nuova direzione della Consulenza Patrimoniale
[Gianbattista Geroldi](https://www.linkedin.com/in/gianbattista-geroldi-070a322a/)
League Managing Director, Objectway
Advisory
[\#DigitalAdvisory](/digital-advisory/)[\#Clientreporting](/client-reporting/)[\#ClientCommunication](/clientcommunication/)[\#Smcr](/smcr/)
[](/podcast-advisory/#SdR21)
Listen to Other Episodes
Audio Transcript
La consulenza patrimoniale ha subito profonde trasformazioni negli ultimi anni passando da un modello basato su una relazione tra Cliente e Consulente, prevalentemente svolta in presenza e con processi quasi completamente, cartacei ad un processo di consulenza via via sempre più digitale.
Questo processo di digitalizzazione che era già in corso da tempo, ha subito nell’ultimi periodi una profonda accelerazione da prima con l’arrivo nel mondo del Wealth Management delle nuove generazioni, aventi nuove necessità e obbiettivi, e andando così a cambiare gli equilibri e richiedendo un approccio differente da parte dei consulenti finanziari, Poi, più recentemente, con lo stravolgimento introdotto dal COVID 19 che ha determinato profondi cambiamenti nella vita quotidiana di tutti, nel contesto politico ed economico generale e quindi a maggior ragione anche nel contesto specifico del Wealth Management, rafforzando alcune linee di evoluzione della figura del Consulente Finanziario e della sua relazione con i Clienti.
Sicuramente dopo questa fase possiamo affermare che la relazione fisica e digitale non sono due approcci alternativi ma assolutamente complementari. L’utilizzo della tecnologia consente di creare valore in diverse fasi del processo e consente inoltre di ampliare la gamma dei servizi offerti.
La relazione tra il cliente ed il consulente finanziario è stata dunque oggetto di una peculiare trasformazione, guidata dal digitale, che oggi converge in un modello ibrido di consulenza. Nella nuova normalità, al consulente finanziario è richiesto di integrare un rinnovato insieme di competenze digitali, cogliendo in questo modo l’opportunità di salvaguardare il rapporto di fiducia meticolosamente costruito con i clienti attuali e vincere l’attenzione di nuovi clienti che appartengono ad una generazione nativa digitale.
Non a caso, parallelamente a questa trasformazione digitale si è assistito ad una progressiva e significativa estensione dei Servizi di Consulenza, messi a disposizione dei propri Clienti, dalle Istituzioni Finanziarie con l’obiettivo di fornire sempre più servizi a valore aggiunto che possano coprire anche ambiti diversi della vita del Cliente.
Proprio su queste tematiche centrali per i processi di Consulenza le nostre soluzioni tecnologiche, applicative e i nostri specialisti di ambito hanno saputo rispondere alle esigenze del mercato e accompagnare in modo proattivo le Istituzioni Finanziarie in questo processo di transizione.
**RELATED POST**
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### Investment Democratisation: Ready, Steady, Go!
[](https://objectway.com/investment-democratisation-objectway-at-am-tech-day/)
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[](/podcast-series-wealth-democratisation/)
Podcast
### Cross Border Private Banking: l’approccio olistico glocal di Cassa Lombarda
[](/podcast-series-wealth-democratisation/)
**Categories:** Advisory, Podcast
---
### [Cross Border Private Banking: l’approccio olistico Glocal di Cassa Lombarda](https://objectway.com/cross-border-e-private-banking-il-modello-olistico-cassa-lombarda/)
**Published:** September 22, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Paolo Vistalli, AD & Direttore Generale, Cassa Lombarda - Cassa Lombarda, in concerto con la Capogruppo PKB, ha avviato un progetto per offrire i propri servizi di investimento ed Objectway è stato selezionato come partner strategico.
**Content:**
###### SEPT 22, 2021
# Cross Border Private Banking: l’approccio olistico Glocal di Cassa Lombarda
Paolo Vistalli
AD & Direttore Generale, Cassa Lombarda
Advisory
[\#DigitalAdvisory](/digital-advisory/)[\#Clientreporting](/client-reporting/)[\#ClientCommunication](/clientcommunication/)[\#Smcr](/smcr/)
[](/podcast-advisory/#SdR21)
Listen to Other Episodes
Audio Transcript
La protezione e la tutela dei grandi patrimoni, oltre che con un’adeguata diversificazione dell’asset allocation, l’adozione di sistemi di risk management e l’eventuale ricorso a soluzioni assicurative, è diffusamente implementata, in particolare dai clienti UHNWI, con un’adeguata ripartizione della ricchezza finanziaria in paesi diversi da quello di residenza, ritenuti più affidabili e sicuri soprattutto nell’evenienza di fenomeni di instabilità geo-politica domestica che possano pregiudicare la pronta e piena disponibilità del proprio patrimonio.
Se da un lato l’industria del wealth management e del private banking hanno nel corso del tempo ampliato significativamente la propria gamma d’offerta e trasformato verso una progressiva digitalizzazione il proprio modello di servizio, dall’altro non hanno ancora definito una soluzione on shore per dare una riposta soddisfacente al continuo interesse mostrato dai clienti italiani nelle ultime decadi a depositare parte dei loro assets al di fuori dell’Italia e dell’Eurozona, con un accesso ai servizi di investimento spesso non ottimale e una customer experience parzialmente pregiudicata dal framework regolamentare.
Una risposta organizzativa a questo tipo di esigenza può essere efficacemente fornita da un gruppo bancario di respiro internazionale in grado di integrare i servizi di investimenti prestati localmente con i servizi bancari presso l’intermediario off shore, coniugando al meglio un elevato livello di servizio e di customer satisfaction con la detenzione degli asset in un paese estero.
Potremmo definirlo un reale approccio olistico glocal, con diversificazione del rischio paese “a kilometro zero”. Questo modello di servizio, ad elevata complessità operativa e tecnologica, è concretamente realizzabile solo nell’ambito di un gruppo dotato delle risorse, delle competenze e dell’assetto organizzativo necessari per implementare e sostenere un modello altamente distintivo, con una chiara visione della value proposition strategica e una piena comprensione del framework regolamentare e fiscale locale ed internazionale per garantire assoluta conformità dei processi.
Infine, last but not least, la complessità tecnologica sottostante, derivante dall’integrazione di sistemi cross border e dalla revisione di quelli locali per la specificità del modello operativo, richiede la collaborazione con un partner IT esperto e competente non solo sulle componenti di sviluppo applicativo, ma anche e soprattutto sulla business logic e dell’interpolazione di differenti quadri normativi requisiti internazionali.
In concreto, Cassa Lombarda, in concerto con la Capogruppo PKB, ha avviato un progetto per offrire i propri servizi di investimento anche in relazione a patrimoni depositati in Svizzera; Objectway è stato selezionato come partner strategico sia nel ruolo di consulente del target operating model che come provider di soluzioni informatiche a supporto, dato il solido know how e l’esperienza maturata nel settore.
**RELATED POST**
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### La nuova direzione della consulenza patrimoniale
[](/nuova-direzione-della-consulenza-patrimoniale/)
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### La situazione attuale della consulenza patrimoniale in Italia
[](/la-consulenza-patrimoniale-in-italia/)
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### Il modello cross border nei servizi di consulenza patrimoniale
[](/il-modello-cross-border-nei-servizi-di-consulenza-patrimoniale/)
**Categories:** Advisory, Podcast
---
### [Building Operational Resilience: are you ready?](https://objectway.com/building-operational-resilience/)
**Published:** November 9, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Alexander Cassar, CBOO, Objectway - Why do we consider Operational Resilience critically important?
**Content:**
###### NOV 09, 2021
# Building Operational Resilience: are you ready?
[Alexander Cassar](https://www.linkedin.com/in/sandrocassar/)
CBOO at Objectway
Regulation
[\#Regtech](/regtech/)[\#SustainableInnovation](/sustainable-innovation/)[\#DigitalChange](/digitalchange/)
[](/podcast-regulation/#operationalresilience)
Listen to Other Episodes
Audio Transcript
Why do we consider Operational Resilience critically important and are discussing it in this series? There is a lot of talk about it in the last couple of years, and many people associate it with the disruptions caused by the COVID pandemic – but focus on resilience dates back from the big financial crisis of 2008. It was clear that the financial system needs to ensure stability in the face of severe disruptions, and various bodies started addressing the challenge.
The Basel Committee on Baking Supervision provided the definition of Operational Resilience: “The ability of a bank to deliver critical operations through disruption. Tolerance for disruption is further defined as: the level of disruption from any type of operational risk a bank is willing to accept, given a range of severe but plausible scenarios.
Note that it’s not the same as Risk Management, where negative events are considered as a probability. Operational Resilience assumes with certainty that disruptions will happen and bases the response on that certainty.
In the UK the FCA, as well as the PRA and the Bank of England have made Operational Resilience a high priority and since 2018 have done significant consultation and regulatory work. In the Policy Summary published earlier this year, it is mandated that by 31st March 2022 all financial institutions and market infrastructure providers must:
- Identify their important business services by considering how disruption to the business service they provide can have impacts beyond their own commercial interests.
- Set a tolerance for disruption for each important business service.
- Ensure they can continue to deliver their important business services – and are able to remain within their impact tolerances – during severe (or in the case of FMIs, extreme) but plausible scenarios.
It is challenging for any organisation to build and understand a complete picture of possible disruptive events and their negative business impact, let alone the capabilities needed to recover and minimise the damage form failures.
Disruptions can be of various nature: cyber-attacks, war and terrorism, natural disasters (including devastating health pandemics). The common thread between them is the increased vulnerability resulting from the digital interconnectedness of the Financial Services sector. Hence the focus on Technology.
As an experienced and reliable banking and wealthtech provider, Objectway has embedded all necessary functionality and capabilities to support client organisations in addressing the mentioned challenges.
One example is our response to disruption in the early days of the COVID pandemic – when Wealth Management was paralysed by losing the traditional face-to-face interaction of clients with advisors and relationship managers. Objectway rapidly promoted to stakeholders relevant existing functionalities (and deployed new ones) for secure omnichannel interaction, access to reports and portfolios, and dialogue with advisors in rich audio-visual format.
To learn more about Operational Resilience and how we can support clients with it, follow the podcast series in the following weeks, to hear from leading experts on different aspects of the subject.
**RELATED POST**
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### Future proofing your business through operational resilience
[](/future-proofing-your-business-through-operational-resilience/)
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### Operational resilience: a new cornerstone for proper business management
[](/operational-resilience-a-new-cornerstone-for-proper-business-management/)
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### Operational resilience: putting Murphy and Sod out of business
[](/operational-resilience-putting-murphy-and-sod-out-of-business/)
**Categories:** #DigitalChange, #Regtech, #Sustainableinnovation, Podcast, Regulation
---
### [Operational Resilience: a new cornerstone for proper business management](https://objectway.com/operational-resilience-a-new-cornerstone-for-proper-business-management/)
**Published:** November 30, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Alberto Cuccu, CEO, Objectway Ltd - Operational Resilience addresses firms and their ability to remain operative, even during disruptions and severe outbreaks.
**Content:**
###### NOV 30, 2021
# Operational Resilience: a new cornerstone for proper business management
[Alberto Cuccu](https://www.linkedin.com/in/alberto-cuccu-21a401/)
CEO of Objectway Ltd
Regulation
[\#Regtech](/regtech/)[\#SustainableInnovation](/sustainable-innovation/)[\#DigitalChange](/digitalchange/)
[](/podcast-regulation/#operationalresilience)
Listen to Other Episodes
Audio Transcript
The last couple of years have been quite a challenge, for all of us. Extra challenges require an extra guidance, and this is the path UK regulators want to follow. The aim is to secure the industry, safeguarding the consumers and their right to access to bank and investment services. And this, comes at the right moment.
Operational Resilience addresses firms and their ability to remain operative, even during disruptions and severe outbreaks. In the recent years unavailability of services related to cyber-attacks, lack of availability in supply chain or technology, or even terrorism or political unrest have increased exponentially. Hence, its importance can now be considered on a par with Financial Resilience, considered for several years as a cornerstone for proper business management. Well, now, Operational Resilience is on the edge and regulators want the industry to be ready. And is something not only related to the UK, regulators from all over the world are addressing this topic.
Other countries and institutions have already issued similar guidelines and principles: Singapore, the US, the European Union and also the Basel Committee on Banking Supervision. We should look out for further developments.
I’d like to point out also the importance for those involved, that having third party arrangements does not absolve them form the responsibility of having an effective and functional Operational Resilience plan. In fact, the board or the responsible manager/director, remain fully accountable for complying with the regulatory obligations set by the regulators. It is necessary to check whether the provider can assure an acceptable level of tolerance within the thresholds set by the firm. Firms have to gain assurance that outsourcing would not create interruptions to their important business services.
This is not an easy task, however we, as a provider, have already put in place recovery measures in the past years. Having done such, we can guarantee our clients their business continuity, providing the correct level of services to their clients.
Operational Resilience is coming, the first deadline is set on April 2022, prepare your plan and test your systems!
**RELATED POST**
Podcast
### Building operational resilience: are you ready?
[](/building-operational-resilience/)
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### Future proofing your business through operational resilience
[](/future-proofing-your-business-through-operational-resilience/)
Podcast
### Operational resilience: putting Murphy and Sod out of business
[](/operational-resilience-putting-murphy-and-sod-out-of-business/)
**Categories:** #DigitalChange, #Regtech, #Sustainableinnovation, Podcast, Regulation
---
### [Operational Resilience: Putting Murphy and Sod out of business](https://objectway.com/operational-resilience-putting-murphy-and-sod-out-of-business/)
**Published:** December 7, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Sean Lam, CEO of Walker Crips - Operational Resilience is not just a business or technological issue, but all of them.
**Content:**
###### DEC 07, 2021
# Operational Resilience: Putting Murphy and Sod out of business
[Sean Lam](https://www.linkedin.com/in/seanlam888/)
CEO of Walker Crips
Regulation
[\#Regtech](/regtech/)[\#SustainableInnovation](/sustainable-innovation/)[\#DigitalChange](/digitalchange/)
[](/podcast-regulation/#operationalresilience)
Listen to Other Episodes
Operational Resilience is not just a business or technological issue, but all of them. First and foremost, technology transformation is an essential element to address to support business continuity, crisis management, disaster recovery and other risk areas. Listen to Walker Crips CEO Sean Lam’s point of view in this podcast.
**RELATED POST**
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### Building operational resilience: are you ready?
[](/building-operational-resilience/)
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### Future proofing your business through operational resilience
[](/future-proofing-your-business-through-operational-resilience/)
Podcast
### Operational resilience: a new cornerstone for proper business management
[](/operational-resilience-a-new-cornerstone-for-proper-business-management/)
**Categories:** #DigitalChange, #Regtech, #Sustainableinnovation, Podcast, Regulation
---
### [Future proofing your business through Operational Resilience](https://objectway.com/future-proofing-your-business-through-operational-resilience/)
**Published:** November 17, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Tariq Khan, Director of Business Development, Objectway - Operational Resilience has increasingly become a higher priority.
**Content:**
###### NOV 17, 2022
# Future proofing your business through Operational Resilience
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
Director of Business Development at Objectway
Regulation
[\#Regtech](/regtech/)[\#SustainableInnovation](/sustainable-innovation/)[\#DigitalChange](/digitalchange/)
[](/podcast-regulation/#operationalresilience)
Listen to Other Episodes
Operational Resilience has increasingly become a higher priority. If it’s true that firms have coped well with disruptive changes so far, now it is time to implement and strengthen their operational resilience plans to future-proof businesses against whatever lies ahead.
**RELATED POST**
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### Building Operational resilience: are you ready?
[](https://objectway.com/modelli-sma-la-nuova-frontiera-della-gestione-patrimoniale-evoluta/)
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### Operational Resilience: a new cornerstone for proper business management
[](/operational-resilience-a-new-cornerstone-for-proper-business-management/)
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### Operational Resilience: putting Murphy and Sod out of business
[](/operational-resilience-putting-murphy-and-sod-out-of-business/)
**Categories:** #DigitalChange, #Smcr, #Sustainableinnovation, Podcast, Regulation
---
### [Wind of change – A Personal Bank in a Digital Age](https://objectway.com/a-personal-bank-in-a-digital-age/)
**Published:** May 4, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Eric van der Deijl, COO at ABN AMRO Bank N.V. in Germany explains how today the formula of success for wealth management firms, is relying on cloud technology to increase efficiency
**Content:**
###### MAY 04, 2022
# Wind of change – A Personal Bank in a Digital Age
[Eric van der Deijl](https://www.linkedin.com/in/eric-van-der-deijl-1224291/)
COO at ABN AMRO Bank N.V. in Germany
Market Trends
[\#Artificialintelligence](/artificial-intelligence/)[\#DigitalCollaboration](/digital-collaboration/)[\#ClientCommunication](/clientcommunication/)[\#Onboarding](/onboarding/)[\#Portfoliomanagement](/portfolio-management-h/)
[](/podcast-market-trends/#democratizingwealth)
Listen to Other Episodes
Audio Transcript
I am happy to share my view in this podcast on the triggers that have massive impact on wealth management. As COO of ABN AMRO in Germany I am responsible for IT, Operations and FM. This of course also means that I am closely aligned with the strategy of the global organisation and responsible for implementing this strategy in my area of expertise in Germany.
First and foremost, I think it is important in this time to be a purpose driven organisation, especially in the banking sector. This is where ABN AMRO has set itself a strong purpose: Banking for Better for Generations to come. Everything we do is aligned with this purpose. And there are three strategy pillars below this purpose: Re-inventing the Customer Experience Sustainability and Future Proof Banking.
Rest assured, this podcast will not only be on the strategic pillars of ABN AMRO, but it is important to realise that in the Banking sector, and especially in Wealth Management, it is important to be a purpose driven organisation. Clients expect this and they want to recognise this in all of the services and products received.
This purpose needs to be within the core of the communication with the clients, both personally, via our relationship managers, but also digitally, via all the digital channels that we have interaction with our clients. As ABN AMRO we are convinced that we can only deliver additional value to our clients when there is a strong personal relationship supported by efficient processes and a good digital channel. In a good relationship we also want to move quickly with the changing demands of our clients. Within ABN AMRO we also refer to this as being a Personal Bank in a Digital Age.
Being in daily contact with our clients, we see that the demands of existing clients and prospects changes quickly. There is a strong preference for self-service where possible. The clients would like to have fast transparency and insight. At all times, through the different communication channels.
And this is where technology comes in, as a Bank we need to ensure that we are able to adopt quickly. This means that we need to partner up, have an open, but secure, environment and use the strong possibilities of cloud environments. And let´s not forget the technical organisation that needs to be able to move with ´agility´, the way of working that we implemented many years ago.
Karl mentioned in the previous podcast that agility is key which is very much supported by cloud technology. We can only underpin that 100%, also as ABN AMRO, we have adopted a ´cloud preferred´ strategy and are continuously investigating where building software ourselves brings added value. In general, there is a re-use, before buy, before build, strategy.
To close this podcast, I would like to shortly address the importance of security. Unfortunately, we see that even in this 21st century, there is still a war going on close by (including a cyber war), there are terrorists attack, there are criminals that try to reach the well-earned money of our clients. We do everything within our power to build for the Bank a secure environment. We are the trusted partner of our clients, and we want to live up to that, this also means that, together with our partners, we invest significant time and money in this subject and took many precautions to provide this security.
We believe that a Wealth Manager can only be successful when there is a strong personal and trustworthy relationship with our client, strongly supported by digital channels that add value at all times. And I am happy that I can share that our clients very much appreciate the personal and digital relationship with our Bank, with an Netpromoter Score of 58 – Netpromoter means the willingness to recommend us – and just to give an relation: the benchmark in the German market is 11!
**RELATED POST**
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### Democratizing Wealth: there is a wind of change blowing in wealth management
[](/democratizing-wealth-there-is-a-wind-of-change-blowing-in-wealth-management/)
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[](/adjusting-traditional-models-to-engage-your-client-base/)
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[](/democratizing-wealth-management/)
**Categories:** #CustomerJourney, #Sustainability, Market Trends 4, Podcast
---
### [Adjusting traditional models and communications to engage your client base](https://objectway.com/adjusting-traditional-models-to-engage-your-client-base/)
**Published:** May 10, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Kerstin Jungmann, Head of Digital Sales & Business Development, HAUCK AUFHÄUSER LAMPE talks about the adjustment of traditional models and communications to engage your next client base.
**Content:**
###### MAY 10, 2022
# Adjusting traditional models and communications to engage your client base
[Kerstin Jungmann](https://www.linkedin.com/in/kerstinjungmann/)
Head of Digital Sales & Business Development @Zeedin at HAUCK AUFHÄUSER LAMPE in Germany
Market Trends
[\#Artificialintelligence](/artificial-intelligence/)[\#DigitalCollaboration](/digital-collaboration/)[\#ClientCommunication](/clientcommunication/)[\#Onboarding](/onboarding/)[\#Portfoliomanagement](/portfolio-management-h/)
[](/podcast-market-trends/#democratizingwealth)
Listen to Other Episodes
Audio Transcript
Today, I’m talking about the adjustment of traditional models and communications to engage your next client base. So, first of all, let me tell you client needs changed. I really know, you’ve probably heard that a lot by now. But it’s true. The modern Wealth Management client is not satisfied anymore with receiving a reporting every quarter a year and meet their banker every once in a while.
So, our clients demand fast and transparent solutions for the highly individual wealth situation. Due to our smartphones and apps, we are used to have the information we need whenever we want just at hand.
This reflects on our clients to across the modern banks and wealth managers must deliver a clean and seamless user experience through the apps, through their websites, through their digital channels and through other digital services.
To keep prospects and clients engaged, it is essential to be visible in the online and in the offline world. Especially in wealth management, I would say the competition is fierce. Nowadays, cost leadership through cheap ETF savings plan is not enough anymore. The wealth manager must have a true well through the user-friendly digital experience and the personal contact possibilities. So, the hybrid model. As Eric mentioned previously, we can see a clear shift to a strong prevalence of self-services for clients where possible.
However, when clients have individual questions, they want to have their answers quickly. So sometimes these questions can’t be answered through a Q&A on a website, or something like that. The client advisor relationship manager is still an essential part of the client experience. So, the medium of communication just changed compared to the traditional word. And here the only channel comes into action. Clients want to contact their advisor in just a few taps or clicks through the website through apps or through the contact on their phones. They do not enjoy talking to a computer voice for hours until finally talking to a human to be honest, who does. Other clients prefer to send an email or use the chat on the website. Others still value meeting up in person. So, what matters the most is that they get timely and qualified answer to the questions frictionless through the medium they prefer.
Furthermore, I want to highlight the importance of trust and investor education. All these questions about personal finance, investment strategies, and digital business models are not the favorite topics of the general public and ceremony. It’s nothing new. But to strongly believe that only an educated client who has a trustful relationship with the bank or the wealth manager can realize strong and long-term success. So, to sum it up, the quality of transparency and accessibility of information for prospects and clients is better than ever before. The medium of communication evolved and became hybrid via the omni channel. And last but not least every once in a while, a webinar or in person event does not hurt the relationship and the brand visibility. So, thank you so much for listening.
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### [Why is democratizing wealth managment so important?](https://objectway.com/democratizing-wealth-management/)
**Published:** May 30, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Tariq Khan, Director of Business Development, Objectway - Customers require an omnichannel and hybrid approach to get closer to wealth management companies.
**Content:**
###### MAY 30, 2022
# Why is democratizing wealth managment so important?
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
Director of Business Development at Objectway
Market Trends
[\#Artificialintelligence](/artificial-intelligence/)[\#DigitalCollaboration](/digital-collaboration/)[\#ClientCommunication](/clientcommunication/)[\#Onboarding](/onboarding/)[\#Portfoliomanagement](/portfolio-management-h/)
[](/podcast-market-trends/#democratizingwealth)
Listen to Other Episodes
Customers require an omnichannel and hybrid approach to get closer to wealth management companies. So the main goal for the weatlh industry is to build an effective business hybrid model, based on services that are also an added value for the whole ecosystem. Listen to Tariq Khan, Business Development Director Objectway.
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### Democratizing Wealth: there is a wind of change blowing in wealth management
[](/democratizing-wealth-there-is-a-wind-of-change-blowing-in-wealth-management/)
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[](/adjusting-traditional-models-to-engage-your-client-base/)
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### Objectway recognised again for enabling digital transformation and resilience in financial services
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---
### [Democratizing Wealth: there is a wind of change blowing in wealth management](https://objectway.com/democratizing-wealth/)
**Published:** August 21, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Karl im Brahm, CEO BEI Die Software Objectway Group, explains how today the formula of success for wealth management firms, is relying on cloud technology to increase efficiency,
**Content:**
###### AGO 21, 2023
# Democratizing Wealth: there is a wind of change blowing in wealth management
[Karl im Brahm](https://www.linkedin.com/in/karl-im-brahm/)
CEO DACH Region, Objectway
Market Trends
[\#Artificialintelligence](/artificial-intelligence/)[\#DigitalCollaboration](/digital-collaboration/)[\#ClientCommunication](/clientcommunication/)[\#Onboarding](/onboarding/)[\#Portfoliomanagement](/portfolio-management-h/)
[](/podcast-market-trends/#democratizingwealth)
Listen to Other Episodes
Karl im Brahm, CEO BEI Die Software Objectway Group, explains how today the formula of success for wealth management firms, is relying on cloud technology to increase efficiency, scalability and resilience, simultaneously leveraging on a collaborative API ecosystem with an open platform approach.
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[](/podcast-series-wealth-democratisation/)
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### Objectway recognised again for enabling digital transformation and resilience in financial services
[](https://objectway.com/objectway-recognised-again-for-enabling-digital-transformation-and-resilience-in-financial-services/)
**Categories:** #CeoTalk, #ClientExperience, #DigitalChange, #Digitalisation, #OpenFinance, Market Trends 4, Video Interview
---
### [Shaping the Future of Wealth Management: an outlook on trends for 2025](https://objectway.com/shaping-the-future-of-wealth-management-an-outlook-on-trends-for-2025/)
**Published:** March 11, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Kurt Vanhee, Objectway Managing Director Continental Europe & North America, discussed with industry experts main changes that are affecting wealth management market.
**Content:**
###### MAR 11, 2025
# Shaping the Future of Wealth Management: an outlook on trends for 2025
[Kurt Vanhee](https://www.linkedin.com/in/kurtvanhee/)
Managing Director for Continental Europe & North America
Market Trends
[\#Artificialintelligence](/artificial-intelligence/)[\#DigitalCollaboration](/digital-collaboration/)[\#ClientCommunication](/clientcommunication/)[\#Onboarding](/onboarding/)[\#Portfoliomanagement](/portfolio-management-h/)
[](/podcast-market-trends/#digitaltransformation&genAI)
Listen to Other Episodes
During the latest edition of the Leaders in Finance Wealth Management 2025 event, Kurt Vanhee, Objectway Managing Director Continental Europe & North America, discussed with industry experts the main changes affecting the wealth management market.
In this episode, Kurt emphasises how important is to focus on the client network, adopting strategies that can support their growth and meet their needs by offering increasingly personalised services. At the same time, innovation in onboarding strategies necessarily passes through the adoption of technologies associated with artificial intelligence. The latter, Kurt adds, should not be seen as the final solution, but rather as a tool that can facilitate certain processes and through which benefits can be reaped.
The Event Conference has been a great opportunity to gain new insights, engage in thought-provoking discussions with peers and encourage the sharing of best practices.
Stay tuned to learn more about how Objectway can transform the way we manage wealth, empower and scale businesses with a broader objective: preserve capital and improve financial wellbeing of their clients.
Listen to the full episode now!
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### Staying ahead in Wealth Management: A Conversation with Jos Martens, Sales & Business Development Director
[](https://www.objectway.com/staying-ahead-in-wealth-management-a-conversation-with-jos-martens-sales-business-development-director/)
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### The use of AI and effective Data Management
[](/pam-digital-report-2024-the-use-of-ai-and-effective-data-management/)
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[](/engaging-the-next-generation-of-investors-through-digital-innovation/)
**Categories:** #ArtificialIntelligence, #ClientCommunication, #DigitalCollaboration, #Onboarding, #PortfolioManagement, Market Trends 3, Podcast
---
### [Objectway a SdR2024 per approfondire il ruolo dei FIA, trend di mercato ed esigenze degli operatori](https://objectway.com/objectway-a-sdr2024-per-approfondire-il-ruolo-dei-fia-trend-di-mercato-ed-esigenze-degli-operatori/)
**Published:** May 14, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Gianbattista Geroldi, CEO Italia Objectway, introduce il ruolo svolto da Objectway in quanto partner strategico nel settore dei Fondi Alternativi di Investimento (FIA).
**Content:**
###### MAY 14, 2024
# Objectway a SdR2024 per approfondire il ruolo dei FIA, trend di mercato ed esigenze degli operatori
Gianbattista Geroldi
CEO Italia, Objectway
Market Trends
[\#Artificialintelligence](/artificial-intelligence/)[\#DigitalCollaboration](/digital-collaboration/)[\#Automation](/automation/)[\#ClientCommunication](/clientcommunication/)[\#Onboarding](/onboarding/)[\#Portfoliomanagement](/portfolio-management-h/)
[](/podcast-market-trends/#SdR24)
Listen to Other Episodes
Dopo la conclusione dell’edizione annuale del Salone del Risparmio, Gianbattista Geroldi, CEO Italia Objectway, riprende il microfono in questo primo episodio della 12esima stagione per introdurre il ruolo svolto da Objectway in quanto partner strategico nel settore dei Fondi Alternativi di Investimento (FIA).
In occasione della Tavola Rotonda organizzata da Objectway, Gianbattista Geroldi ha illustrato come ad oggi il mercato dei FIA sia attraversato da 4 trends principali:
- Diversificazione: gli operatori si stanno sempre più orientando verso una strategia multi-asset per rispondere alle preferenze degli investitori.
- Trasformazione della clientela: il numero dei clienti individuali è in costante crescente e questo pone nuove sfide per gli operatori stessi, anche alla luce dei cambiamenti normativi in atto.
- Evoluzione Normativa: gli organi di vigilanza italiani ed europei hanno imposto nuove norme in ambito FIA che richiedono dunque la presenza di un’offerta sempre più flessibile, versatile e conforme.
- Evoluzione Tecnologica: processi digitali altamente automatizzati diventano sempre più essenziali per soddisfare le esigenze del mercato.
Infine, Geroldi conclude sottolineando come Objectway si posizioni come un solido partner strategico per gli operatori del mercato dei FIA, perseguendo l’obiettivo di offrire un servizio sempre più efficiente, mettendo a disposizione tutti i vantaggi che derivano dall’applicazione di soluzioni tecnologiche automatizzate, anche basate sull’utilizzo dell’intelligenza artificiale.
Restate sintonizzati e non perdete l’occasione di ascoltare presto anche gli altri episodi, cogliendo direttamente dalla voce degli esperti il loro punto di vista sull’evoluzione del mercato!
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---
### [SGR e Tecnologia: la nuova alleanza per migliorare la produttività del mondo Alternative](https://objectway.com/sgr-e-tecnologia-la-nuova-alleanza-per-migliorare-la-produttivita-del-mondo-alternative/)
**Published:** July 3, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Paolo Bonacina, BPO Service Operation Director Objectway spiega come la domanda di supporto tecnologico da parte di asset manager ed intermediari finanziari che operano nel segmento dei FIA sta venendo ridisegnata da diversi fattori che vedono nella tecnologia il loro fil rouge.
**Content:**
###### JUL 03, 2024
# SGR e Tecnologia: la nuova alleanza per migliorare la produttività del mondo Alternative
Paolo Bonacina
BPO Service Operation Director Objectway
Market Trends
[\#Artificialintelligence](/artificial-intelligence/)[\#DigitalCollaboration](/digital-collaboration/)[\#Automation](/automation/)[\#ClientCommunication](/clientcommunication/)[\#Onboarding](/onboarding/)[\#Portfoliomanagement](/portfolio-management-h/)
[](/podcast-market-trends/#SdR24)
Listen to Other Episodes
In questo secondo episodio della serie dedicata all’analisi del mondo Alternative, la parola passa a Paolo Bonacina, BPO Service Operation Director Objectway. L’esperto spiega come la domanda di supporto tecnologico da parte di asset manager ed intermediari finanziari che operano nel segmento dei FIA (Fondi di Investimento Alternativi) sta venendo ridisegnata da diversi fattori che vedono nella tecnologia il loro fil rouge.
Il profilo economico attuale delle SGR è radicalmente cambiato, portando quest’ultime ad un’elevata diversificazione a cui corrisponde un elevato grado di complessità della loro gestione, inclusi gli aspetti normativi e regolamentari.
Il supporto tecnologico diventa quindi fondamentale per poter automatizzare tutte quelle mansioni a basso valore aggiunto che sottraggono tempo e risorse ai professionisti. Viene così data a questi ultimi la possibilità di concentrarsi maggiormente sulle operatività più strategiche, favorendo una gestione più agile e dinamica, che rende più efficienti e veloci le procedure che intercorrono tra Sgr, authorities e investitori.
Gli operatori come Objectway sono quindi chiamati ad offrire ai maggiori players di mercato un supporto digitale facile da utilizzare ed integrato tra le varie funzioni, favorendo così una comunicazione bidirezionale con le società partner e con i clienti. È in questo contesto che si inserisce l’importanza di appositi client portal, pensati per gli investitori e presentati come piattaforme necessarie per il monitoraggio della propria posizione.
“L’outsourcer deve stare sempre al passo”, sottolinea Bonacina, e il lavoro di Objectway continua costante per poter offrire soluzioni sempre più automatizzate al fine di rendere efficienti tutti i processi operativi.
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[](/initial-outlook-for-fintech-in-europe-2024/)
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---
### [L’introduzione dell’automazione e di tecnologie robotiche per il potenziamento dei processi operativi: le soluzioni Objectway per le SGR](https://objectway.com/lintroduzione-dellautomazione-e-di-tecnologie-robotiche-per-il-potenziamento-dei-processi-operativi-le-soluzioni-objectway-per-le-sgr/)
**Published:** July 10, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Paolo Bonacina, BPO Service Operation Director, Objectway, illustra nel dettaglio le soluzioni sviluppate da Objectway per migliorare la produttività dei processi operativi delle SGR.
**Content:**
###### JUL 10, 2024
# L’introduzione dell’automazione e di tecnologie robotiche per il potenziamento dei processi operativi: le soluzioni Objectway per le SGR
[Paolo Bonacina](https://www.linkedin.com/in/paolo-bonacina-b7940541/)
BPO Service Operation Director Objectway
Market Trends
[\#Artificialintelligence](/artificial-intelligence/)[\#DigitalCollaboration](/digital-collaboration/)[\#Automation](/automation/)[\#ClientCommunication](/clientcommunication/)[\#Onboarding](/onboarding/)[\#Portfoliomanagement](/portfolio-management-h/)
[](/podcast-market-trends/#SdR24)
Listen to Other Episodes
In questa seconda parte del suo intervento, Paolo Bonacina, BPO Service Operation Director di Objectway, illustra nel dettaglio le soluzioni sviluppate da Objectway per migliorare la produttività dei processi operativi delle SGR attraverso le più recenti componenti tecnologiche e delinea i progetti futuri a cui stiamo lavorando.
Tecnologia applicata alle SGR soprattutto nei processi di back office, sfruttando componenti di intelligenza artificiale e RPA. In particolare, gli esperti Objectway hanno iniziato a sviluppare prodotti che agevolano la produttività e tra questi vi è l’Intelligent Document Processing, un meccanismo in grado di estrarre dai documenti dati e informazioni, archiviandole automaticamente nei nostru database. Questo ha portato ad un risparmio in termini di tempi di lavoro di oltre il 50%. Inoltre, le tecnologie robotiche sono state impiegate per creare un automatismo per la spunta dei registri IVA contabili, con controllo di coerenza tra registri stampati e fatture elettroniche, applicando i controlli anche sulla parte anagrafica, rilevando in questo caso un risparmio di tempo operativo pari al 35%.
In più, Objectway ha sfruttato la tecnologia per migliorare il workflow pagamenti, completamente interfacciato con il nostro software contabile e le banche, in modo che si possa procedere in modo automatico al pagamento delle fatture. In questo caso, il risparmio in termini di tempo tra SGR e outsourcer è pari al 50%.
Per quanto riguarda invece gli adempimenti normativi, grazie all’automazione è stato possibile velocizzare tutte le segnalazioni degli organi di vigilanza, comprese quelle di carattere europeo.
Oltre all’uso della tecnologia per migliorare l’operatività, Objectway ha anche sviluppato per le SGR un portale per gli investitori che permette alle SGR di mettere a disposizione dei propri investitori uno strumento utile per monitorare la propria posizione, i fondi in cui hanno investito e il loro cashflow. In più, tramite questo portale, le SGR hanno la possibilità di condividere in maniera rapida e sicura tutta la documentazione necessaria.
Ma i progetti di Objectway non finiscono qui: tra le principali sfide per il futuro vi è la tokenizzazione dei fondi oltre che l’idea di implementare anche per i fondi alternative la lettura automatica della documentazione bancaria, con un chiaro impatto operativo sul workflow pagamenti. Inoltre, Objectway sta lavorando per applicare la tecnologia sui controlli AML, ovvero con il tracciamento dei questionari antiriciclaggio, e per ampliare il portale investitori introducendo un modulo di onboarding per permettere alle SGR di selezionare la clientela.
È dunque evidente che il mondo degli alternative si presta a numerose innovazioni tecnologiche, dove diventa fondamentale anche il ruolo dell’intermediario, adottando nuovi processi per fornire vantaggi e regolare il modo di operare.
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[](/objectway-a-sdr2024-esperienza-digitalizzazione-e-competenza-per-il-mondo-alternative/)
**Categories:** #ArtificialIntelligence, #Automation, #ClientCommunication, #DigitalCollaboration, #Onboarding, #PortfolioManagement, Market Trends 2, Podcast
---
### [SMA: un’opportunità per la crescita del Wealth Management in Italia](https://objectway.com/sma-unopportunita-per-la-crescita-del-wealth-management-in-italia/)
**Published:** July 16, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Mauro Panebianco, Partner PwC, Asset and Wealth Management EMEA Advisory Leader, definisce i vantaggi che derivano dall’adozione degli SMA per il mercato delle gestioni patrimoniali in Italia.
**Content:**
###### JUL 17, 2025
# SMA: un’opportunità per la crescita del Wealth Management in Italia
Mauro Panebianco
Partner PwC, Asset and Wealth Management EMEA Advisory Leader
Advisory
[\#Businessdevelopment](/businessdevelopment/)[\#OneObjectway](/one-objectway/)[\#Workspace](/workspace/)
[](/podcast-market-trends/#smaconsulenzaevalore)
Listen to Other Episodes
L’evento dal titolo “Separately Managed Account: la Via verso Gestione Evoluta, Consulenza e Valore?” è stata l’occasione per approfondire il ruolo che i Separately Managed Accounts (SMA) si apprestano a svolgere nel panorama delle gestioni patrimoniali.
In questo primo episodio della serie, Mauro Panebianco, Partner PwC, Asset and Wealth Management EMEA Advisory Leader, definisce i vantaggi che derivano dall’adozione degli SMA per il mercato delle gestioni patrimoniali in Italia. Nel nostro paese, infatti, e in Europa in generale, la crescita dei Separately Managed Accounts è stata spesso ostacolata da fattori regolamentari, ma ad oggi questo servizio si presenta da un lato come la miglior risposta alla crescita dei passivi e dall’altro come un volano per lo sviluppo dell’economia reale.
È sempre più evidente la necessità, conclude Panebianco, di avviare una riflessione strutturata sull’introduzione di questo strumento, che, in altri mercati maturi (come quello statunitense), si è dimostrato un elemento differenziante in termini di valore aggiunto per il cliente e leva strategica per la crescita del business.
Inserire gli SMA nel perimetro dell’offerta non solo può rappresentare un vantaggio competitivo in un contesto di crescente personalizzazione della gestione patrimoniale, ma anche contribuire a rafforzare la relazione fiduciaria con il cliente, grazie a una maggiore trasparenza, controllo e flessibilità nella gestione degli asset.
Ascolta subito l’episodio completo e resta sintonizzato per scoprire tutti i prossimi appuntamenti!
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### Il wealthtech per la nuova generazione di banche e broker
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[](https://objectway.com/objectway-recognised-again-for-enabling-digital-transformation-and-resilience-in-financial-services/)
**Categories:** Market Trends, Uncategorized GLO
---
### [Oltre il Portafoglio Tradizionale: Separately Managed Accounts e Innovazione per l’Italia](https://objectway.com/lorenzo-palleroni-sma-oltre-il-portafoglio-tradizionale-separately-managed-accounts-e-innovazione-per-litalia/)
**Published:** July 23, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Lorenzo Palleroni, Amministratore Delegato e Direttore Generale, Vontobel Wealth Management SIM, descrive come gli SMA non si configurano soltanto come un prodotto d’investimento, ma come un vero e proprio modello di servizio.
**Content:**
###### JUL 23, 2025
# Oltre il Portafoglio Tradizionale: Separately Managed Accounts e Innovazione per l’Italia
Lorenzo Palleroni
Amministratore Delegato e Direttore Generale, Vontobel Wealth Management SIM
Market Trends
[\#Clientreporting](/client-reporting/)[\#Hyperpersonalisation](/hyper-personalisation/)[\#Portfoliomanagement](/portfolio-management-h/)
[](/podcast-market-trends/#smaconsulenzaevalore)
Listen to Other Episodes
Continuano gli episodi della serie di Podcast dedicati ai Separately Managed Accounts (SMA) e in questo secondo appuntamento Lorenzo Palleroni, Amministratore Delegato e Direttore Generale, Vontobel Wealth Management SIM, descrive come gli SMA non si configurano soltanto come un prodotto d’investimento, ma come un vero e proprio modello di servizio.
In particolare, Palleroni ripercorre quanto fatto da Vontobel per incontrare le esigenze della propria clientela. Dal momento, infatti, che i loro clienti operano sia con gestioni patrimoniali dirette sia tramite soluzioni di investimento alternative, l’obiettivo perseguito è stato sin da subito quello di offrire un servizio di gestione completo, integrato e specializzato.
Ciò ha portato allo sviluppo di componenti di gestione dedicate, come le Specialties Swiss per il mercato svizzero e le Specialties Market US per il mercato americano. Il mercato italiano, invece, richiede maggiore modularità del servizio, anche per chi non sceglie la piena delega e un rinnovamento nel ruolo del gestore, che deve presentarsi come parte attiva, in grado di affiancare i banker nella costruzione del valore.
Un approccio che potremmo definire SMA “all’italiana”: flessibile, costruito intorno al cliente, capace di superare il modello preconfezionato per adattarsi alle sue reali esigenze.
Ascolta subito l’episodio completo e resta sintonizzato per scoprire tutti i prossimi appuntamenti!
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### SMA: un’opportunità per la crescita del Wealth Management in Italia
[](https://objectway.com/sma-unopportunita-per-la-crescita-del-wealth-management-in-italia/)
Advisory
### Modelli SMA: la nuova frontiera della gestione patrimoniale evoluta
[](https://objectway.com/modelli-sma-la-nuova-frontiera-della-gestione-patrimoniale-evoluta/)
News
### Separately Managed Accounts: rivoluzione per il wealth management?
[](https://objectway.com/separately-managed-accounts-rivoluzione-per-il-wealth-management/)
**Categories:** #ClientRelationship, #HyperPersonalisation, #PortfolioManagement, Market Trends, Uncategorized GLO
---
### [Efficienza, Trasparenza e Flessibilità con gli SMA: il modello Euroimmobiliare Advisory SIM](https://objectway.com/gianmarco-zanetti-sma-efficienza-trasparenza-e-flessibilita-con-gli-sma-il-modello-euroimmobiliare-advisory-sim/)
**Published:** July 30, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Gianmarco Zanetti, Direttore Generale, Euroimmobiliare Advisory SIM, ripercorre l’esperienza che il loro business ha potuto consolidare nell’utilizzo degli SMA come modelli di servizio innovativi.
**Content:**
###### JUL 30, 2025
# Efficienza, Trasparenza e Flessibilità con gli SMA: il modello Euroimmobiliare Advisory SIM
Gianmarco Zanetti
Direttore Generale, Euromobiliare Advisory SIM
Market Trends
[\#Clientreporting](/client-reporting/)[\#Hyperpersonalisation](/hyper-personalisation/)[\#Portfoliomanagement](/portfolio-management-h/)
[](/podcast-market-trends/#smaconsulenzaevalore)
Listen to Other Episodes
**Gianmarco Zanetti, Direttore Generale, Euroimmobiliare Advisory SIM**, ripercorre in questo terzo episodio della serie di Podcast dedicati al ruolo dei Separately Managed Accounts (SMA) per il wealth management in Italia, l’esperienza che il loro business ha potuto consolidare nell’utilizzo degli SMA come modelli di servizio innovativi che possono fare la differenza nella gestione del portafoglio.
Inizialmente, spiega Zanetti, il loro gruppo ha investito molto nell’applicazione di gestioni patrimoniali flessibili, focalizzandosi su un **approccio più tradizionale.** Nel corso del tempo, però, ci si è resi conto del fatto che questo tipo di comportamento non era adeguato a un veicolo come le gestioni patrimoniali, che pongono numerosi limiti legati all’utilizzo di derivati o altri strumenti finanziari più sofisticati.
L’incontro con alcuni player statunitensi è stato quello che Zanetti ha ribattezzato **“Trigger Event”,** il momento in cui il gruppo ha compreso come poter rivedere il loro modello di offerta multilinea, che fino a quel momento non era stato completamente sfruttato. Gli SMA si sono quindi gradualmente presentati come uno strumento cruciale anche per il rapporto con il cliente, che richiede sempre più coerenza e trasparenza.
Il modello di engagement del cliente, dunque, unito ad un supporto normativo e fiscale, pone le basi per una collaborazione proficua tra advisor e cliente, mantenendo al centro la semplicità come elemento strutturale per riuscire a rendere vincente questo modello di servizio anche in Italia.
Ascolta subito l’episodio completo e resta sintonizzato per scoprire tutti i prossimi appuntamenti!
**RELATED POST**
Podcast
### SMA: un’opportunità per la crescita del Wealth Management in Italia
[](https://objectway.com/sma-unopportunita-per-la-crescita-del-wealth-management-in-italia/)
Podcast
### Oltre il Portafoglio Tradizionale: Separately Managed Accounts e Innovazione per l’Italia
[](https://objectway.com/lorenzo-palleroni-sma-oltre-il-portafoglio-tradizionale-separately-managed-accounts-e-innovazione-per-litalia/)
News
### Separately Managed Accounts: rivoluzione per il wealth management?
[](https://objectway.com/separately-managed-accounts-rivoluzione-per-il-wealth-management/)
**Categories:** #ClientRelationship, #HyperPersonalisation, #PortfolioManagement, Market Trends, Uncategorized GLO
---
### [Abilitare gli SMA: l’infrastruttura Objectway per una gestione personalizzata degli investimenti](https://objectway.com/massimiliano-renzulli-sma-abilitare-gli-sma-linfrastruttura-objectway-per-una-gestione-personalizzata-degli-investimenti/)
**Published:** August 4, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Massimiliano Renzulli, Market Solution Director Objectway, offre la prospettiva Objectway, ovvero il soggetto che fornisce l’infrastruttura tecnologica per l’implementazione degli SMA.
**Content:**
###### AUG 06, 2025
# Abilitare gli SMA: l’infrastruttura Objectway per una gestione personalizzata degli investimenti
Massimiliano Renzulli
Market Solution Director, Objectway
Market Trends
[\#Clientreporting](/client-reporting/)[\#Hyperpersonalisation](/hyper-personalisation/)[\#Portfoliomanagement](/portfolio-management-h/)
[](/podcast-market-trends/#smaconsulenzaevalore)
Listen to Other Episodes
Dopo aver approfondito negli episodi precedenti la prospettiva della clientela private italiana sull’ingresso dei Separately Managed Accounts (SMA) nel mercato del wealth management, il quarto episodio della serie offre una prospettiva diversa, quella di chi come **Objectway** fornisce l’infrastruttura tecnologica per l’implementazione di questi nuovi strumenti.
La parola passa dunque a **Massimiliano Renzulli, Market Solution Director, Objectway** che spiega come i clienti sono principalmente interessati a sapere come Objectway possa supportare il livello di customizzazione richiesto da questi prodotti e quale livello di reportistica può essere offerto.
Renzulli sottolinea come da sempre, in Objectway, **i due livelli di automatizzazione e customizzazione siano stati nativamente integrati.** Tuttavia, negli SMA, la customizzazione si sposta sul rapporto interattivo tra cliente e advisor e questo comporta l’esigenza, da parte del cliente, di ricevere un livello di personalizzazione più specifico, focalizzato sui singoli building blocks all’interno del portafoglio. Objectway è a lavoro su questo punto, perseguendo però l’obiettivo di offrire un processo industrializzabile, in modo tale da intercettare le richieste di una clientela più vasta e non solo appartenente al settore HNWI.
Dal punto di vista della **reportistica**, invece, Objectway sta sviluppando delle alternative che prevedono anche l’utilizzo dell’AI, per offrire soluzioni specializzate sia nel momento dell’offerta e della proposta sia in fase di onboarding, per permettere all’advisor di conoscere in maniera veloce ed efficiente tutte le informazioni necessarie sul cliente (profilo, performance, ecc.).
Ascolta subito l’episodio completo e resta sintonizzato per scoprire tutti i prossimi appuntamenti!
**RELATED POST**
Podcast
### SMA: un’opportunità per la crescita del Wealth Management in Italia
[](https://objectway.com/sma-unopportunita-per-la-crescita-del-wealth-management-in-italia/)
Podcast
### Oltre il Portafoglio Tradizionale: Separately Managed Accounts e Innovazione per l’Italia
[](https://objectway.com/lorenzo-palleroni-sma-oltre-il-portafoglio-tradizionale-separately-managed-accounts-e-innovazione-per-litalia/)
Podcast
### Efficienza, Trasparenza e Flessibilità con gli SMA: il modello Euroimmobiliare Advisory SIM
[](https://objectway.com/gianmarco-zanetti-sma-efficienza-trasparenza-e-flessibilita-con-gli-sma-il-modello-euroimmobiliare-advisory-sim/)
**Categories:** #ClientRelationship, #HyperPersonalisation, #PortfolioManagement, Market Trends, Uncategorized GLO
---
### [SMA e Normativa Italiana: le prossime sfide dopo la RIS](https://objectway.com/mauro-panebiancosma-e-normativa-italiana-le-prossime-sfide-dopo-la-ris/)
**Published:** August 4, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Mauro Panebianco, Partner PwC, Asset and Wealth Management EMEA Advisory Leader - L'implementazione degli SMA in Italia può essere supportata solo da una maggiore flessibilità normativa. Deregolamentare è la parola chiave, sottolinea Mauro Panebianco.
**Content:**
###### AUG 20, 2025
# SMA e Normativa Italiana: le prossime sfide dopo la RIS
Mauro Panebianco
Partner PwC, Asset and Wealth Management EMEA Advisory Leader
Market Trends
[\#Clientreporting](/client-reporting/)[\#Hyperpersonalisation](/hyper-personalisation/)[\#Portfoliomanagement](/portfolio-management-h/)
[](/podcast-market-trends/#smaconsulenzaevalore)
Listen to Other Episodes
Quali sono gli elementi normativi che ad oggi potrebbero facilitare in Italia l’adozione degli SMA? A questa domanda, **Mauro Panebianco, Partner PwC, Asset and Wealth Management EMEA Advisory Leader** , risponde in modo secco, con una parola chiave: **deregolamentazione.**
Panebianco, infatti, guarda al caso degli Stati Uniti e spiega come una maggiore flessibilità normativa possa supportare lo sviluppo di questi strumenti rivoluzionari per il wealth management, seppur a scapito del ruolo dei consulenti. In questo senso, sottolinea l’esperto, già la **RIS (Retail Investment Strategy)** permetterà di spingere verso maggiore trasparenza, rendendo meno sostenibili le retrocessioni e i modelli distributivi basati solo su inducement.
Ma Panebianco accende l’attenzione anche sulla **FIDA (Financial Data Access)**, che si presenta come una normativa in grado di aprire le porte ad una consulenza più evoluta, che viene ribattezzata **“Advice 2.0”,** dove al cliente viene offerta la possibilità di accedere a più fonti e quindi di compiere scelte di investimento più consapevoli.
In questo scenario, **consulenza evoluta e SMA** possono combinarsi e dare vita ad un nuovo paradigma di servizio in cui la tecnologia diventa un vero e proprio abilitatore di relazione e personalizzazione.
Ascolta subito l’episodio completo e resta sintonizzato per scoprire tutti i prossimi appuntamenti!
**RELATED POST**
Podcast
### SMA: un’opportunità per la crescita del Wealth Management in Italia
[](https://objectway.com/sma-unopportunita-per-la-crescita-del-wealth-management-in-italia/)
Podcast
### Oltre il Portafoglio Tradizionale: Separately Managed Accounts e Innovazione per l’Italia
[](https://objectway.com/lorenzo-palleroni-sma-oltre-il-portafoglio-tradizionale-separately-managed-accounts-e-innovazione-per-litalia/)
Podcast
### Abilitare gli SMA: l’infrastruttura Objectway per una gestione personalizzata degli investimenti
[](https://objectway.com/massimiliano-renzulli-sma-abilitare-gli-sma-linfrastruttura-objectway-per-una-gestione-personalizzata-degli-investimenti/)
**Categories:** #ClientRelationship, #HyperPersonalisation, #PortfolioManagement, Market Trends, Uncategorized GLO
---
### [Onboarding e Asset Allocation Strategico: le direttrici per la trasformazione degli SMA in Italia](https://objectway.com/gianmaco-zanettisma-onboarding-e-asset-allocation-strategico-le-direttrici-per-la-trasformazione-degli-sma-in-italia/)
**Published:** August 4, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Gianmarco Zanetti, Direttore Generale, Euromobiliare Advisory SIM, individua tre principali linee direttrici che potrebbero agevolare l’applicazione degli SMA.
**Content:**
###### AUG 27, 2025
# Onboarding e Asset Allocation Strategico: le direttrici per la trasformazione degli SMA in Italia
Gianmarco Zanetti
Direttore Generale, Euromobiliare Advisory SIM
Market Trends
[\#Clientreporting](/client-reporting/)[\#Hyperpersonalisation](/hyper-personalisation/)[\#Portfoliomanagement](/portfolio-management-h/)
[](/podcast-market-trends/#smaconsulenzaevalore)
Listen to Other Episodes
In questa seconda parte del suo intervento, **Gianmarco Zanetti, Direttore Generale, Euromobiliare Advisory SIM,** individua tre principali linee direttrici che potrebbero agevolare l’applicazione degli SMA.
In primo piano, spiega Zanetti, vi è l’importanza della **profilatura del cliente.** Al giorno d’oggi infatti, in Italia, questo momento viene considerato come un puro adempimento normativo e trasformato spesso in un vero e proprio interrogatorio in cui si cerca definire i confini del profilo del cliente. In realtà, questo è un passaggio fondamentale per poter indagare esigenze ed obiettivi del cliente, rendendo il momento dell’onboarding la chiave per poter offrire un’offerta basata su **personalizzazione, trasparenza e semplicità**.
La seconda linea da prendere in considerazione per fare degli SMA uno strumento rivoluzionario anche in Italia, è rappresentata secondo Zanetti dalla necessità di passare ad un modello di **Asset Allocation strategico**, basato sulla definizione di obiettivi ed in grado di far evolvere il modello consulenziale con il supporto della tecnologia.
Per ultimo, Zanetti ribadisce l’importanza di **associare all’indagine dei bisogni finanziari anche tutti quelli legati al patrimonio**. Da questo punto di vista è necessario cambiare prospettiva e valorizzare un servizio che ad oggi viene visto come ancillare, ma che in realtà è fondamentale, non solo per il settore del private banking, ma anche per quello dell’affluent e del mass market, in forte crescita anche in Italia.
Ascolta subito l’episodio completo e resta sintonizzato per scoprire tutti i prossimi appuntamenti!
**RELATED POST**
Podcast
### Oltre il Portafoglio Tradizionale: Separately Managed Accounts e Innovazione per l’Italia
[](https://objectway.com/lorenzo-palleroni-sma-oltre-il-portafoglio-tradizionale-separately-managed-accounts-e-innovazione-per-litalia/)
Podcast
### Efficienza, Trasparenza e Flessibilità con gli SMA: il modello Euroimmobiliare Advisory SIM
[](https://objectway.com/gianmarco-zanetti-sma-efficienza-trasparenza-e-flessibilita-con-gli-sma-il-modello-euroimmobiliare-advisory-sim/)
Podcast
### SMA e Normativa Italiana: le prossime sfide dopo la RIS
[](https://objectway.com/mauro-panebiancosma-e-normativa-italiana-le-prossime-sfide-dopo-la-ris/)
**Categories:** #ClientRelationship, #HyperPersonalisation, #PortfolioManagement, Market Trends, Uncategorized GLO
---
### [Profilazione, cambio culturale e change management per un nuovo processo di consulenza](https://objectway.com/lorenzo-palleroni-sma-profilazione-cambio-culturale-e-change-management-per-un-nuovo-processo-di-consulenza/)
**Published:** September 1, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Lorenzo Palleroni, AD e Direttore Generale, Vontobel Wealth Management SIM, spiega quali sono i cambiamenti a livello organizzativo e operativo che intervengono nella struttura del processo di consulenza.
**Content:**
###### SEPT 03, 2025
# Profilazione, cambio culturale e change management per un nuovo processo di consulenza
Lorenzo Palleroni
Amministratore Delegato e Direttore Generale, Vontobel Wealth Management SIM
Market Trends
[\#Clientreporting](/client-reporting/)[\#Hyperpersonalisation](/hyper-personalisation/)[\#Portfoliomanagement](/portfolio-management-h/)
[](/podcast-market-trends/#smaconsulenzaevalore)
Listen to Other Episodes
**Lorenzo Palleroni, Amministratore Delegato e Direttore Generale di Vontobel Wealth Management SIM**, riprende la parola in questo penultimo episodio della serie Podcast dedicata al ruolo che gli SMA (Separately Managed Accounts) ricoprono nel Wealth Management in Italia per spiegare quali sono i cambiamenti a livello organizzativo e operativo che intervengono nella struttura del processo di consulenza.
La vera trasformazione, infatti, avviene a **livello culturale**, ma questa evoluzione per poter essere efficace necessita di un nuovo **modello organizzativo e di servizio** che trova nella tecnologia il suo alleato più prossimo.
“Il modello **artigianale**, basato su un unico banker, non regge più – afferma Palleroni –. Serve un **approccio integrato e complementare**, dove il gestore affianca il consulente per cogliere tutte le sfumature del profilo cliente “. In questo senso, Vontobel Wealth Management SIM ha implementato un modello **“Dual Coverage”**, in cui il cliente viene accompagnato nelle proprie decisioni di investimento, adottando così un approccio che diventa più flessibile e meno tecnico.
L’obiettivo rimane sempre garantire coerenza e chiarezza, evitando il cortocircuito del “telefono senza fili” e assicurandosi che la crescita del business vada di pari passo con quella del modello strutturale e di servizio, basato sul binomio persone e adeguamento tecnologico.
Ascolta subito l’episodio completo e resta sintonizzato per scoprire tutti i prossimi appuntamenti!
**RELATED POST**
Podcast
### SMA: Oltre il Portafoglio Tradizionale: Separately Managed Accounts e Innovazione per l’Italia
[](https://objectway.com/lorenzo-palleroni-sma-oltre-il-portafoglio-tradizionale-separately-managed-accounts-e-innovazione-per-litalia/)
Podcast
### SMA: Efficienza, Trasparenza e Flessibilità con gli SMA: il modello Euroimmobiliare Advisory SIM
[](https://objectway.com/gianmarco-zanetti-sma-efficienza-trasparenza-e-flessibilita-con-gli-sma-il-modello-euroimmobiliare-advisory-sim/)
Podcast
### SMA: SMA e Normativa Italiana: le prossime sfide dopo la RIS
[](https://objectway.com/mauro-panebiancosma-e-normativa-italiana-le-prossime-sfide-dopo-la-ris/)
**Categories:** #ClientRelationship, #HyperPersonalisation, #PortfolioManagement, Market Trends, Uncategorized GLO
---
### [SMA: Verso un modello integrato, flessibile e sostenibile](https://objectway.com/massimiliano-renzulli-sma-verso-un-modello-integrato-flessibile-e-sostenibile/)
**Published:** September 10, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Max Renzulli, Market Solution Director Objectway spiega come gli SMA possono innescare un nuovo modo di intendere la relazione consulente-cliente.
**Content:**
###### SEPT 10, 2025
# SMA: Verso un modello integrato, flessibile e sostenibile
Massimiliano Renzulli
Market Solution Director, Objectway
Market Trends
[\#Clientreporting](/client-reporting/)[\#Hyperpersonalisation](/hyper-personalisation/)[\#Portfoliomanagement](/portfolio-management-h/)
[](/podcast-market-trends/#smaconsulenzaevalore)
Listen to Other Episodes
La serie di Podcast dedicata ai Separately Managed Account (SMA) si conclude oggi con l’ultimo episodio che restituisce la parola a **Max Renzulli, Market Solution Director Objectway**. L’esperto analizza il ruolo degli SMA nel panorama del wealth management italiano dal punto di vista del fornitore di servizi, spiegando come gli SMA possono innescare un nuovo modo di intendere la **relazione consulente-cliente.**
Renzulli pone l’accento sul fatto che il modello di servizio da offrire deve essere semplice ed interattivo al fine di rendere il rapporto tra advisor e cliente trasparente e innovativo. In questo modo sarà possibile favorire l’integrazione tra consulenza evoluta e gestione professionale, ottimizzando il portafoglio e valorizzando la profilazione in fase di Onboarding, sulla base di obiettivi chiari e coerenti.
È per questo motivo, conclude Renzulli, che gli SMA pongono le basi per una nuova grammatica della consulenza, dove la **tecnologia** non sostituisce l’advisor, ma ne amplifica il ruolo, generando un valore duraturo per il cliente e per il settore in generale.
Ascolta subito l’episodio completo e resta sintonizzato per scoprire la prossima serie di podcast!
**RELATED POST**
Podcast
### SMA: Oltre il Portafoglio Tradizionale: Separately Managed Accounts e Innovazione per l’Italia
[](https://objectway.com/lorenzo-palleroni-sma-oltre-il-portafoglio-tradizionale-separately-managed-accounts-e-innovazione-per-litalia/)
Podcast
### SMA: Efficienza, Trasparenza e Flessibilità con gli SMA: il modello Euroimmobiliare Advisory SIM
[](https://objectway.com/gianmarco-zanetti-sma-efficienza-trasparenza-e-flessibilita-con-gli-sma-il-modello-euroimmobiliare-advisory-sim/)
Podcast
### SMA: Abilitare gli SMA: l’infrastruttura Objectway per una gestione personalizzata degli investimenti
[](https://objectway.com/massimiliano-renzulli-sma-abilitare-gli-sma-linfrastruttura-objectway-per-una-gestione-personalizzata-degli-investimenti/)
**Categories:** #ClientRelationship, #HyperPersonalisation, #PortfolioManagement, Market Trends, Uncategorized GLO
---
### [Analisi di scenario come antidoto alla maggior incertezza finanziaria](https://objectway.com/analisi-di-scenario-come-antidoto-alla-maggior-incertezza-finanziaria/)
**Published:** July 6, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Domenico Sartore, Professore, Università Ca’ Foscari Venezia - I gestori di portafogli necessitano di strumenti adeguati per l’analisi degli scenari sia per comparare quanto avvenuto in passato ma anche e soprattutto per provare ad analizzare possibili scenari futuri e cercare di fare scelte supportate da analisi e dati.
**Content:**
###### JUL 6, 2022
# Analisi di scenario come antidoto alla maggior incertezza finanziaria
Domenico Sartore
Professore, Università Ca’ Foscari Venezia
Performance & Risk
[\#Portfoliomanagement](/portfolio-management-h/)[\#PortfolioOptimisation](/portfolio-optimisation/)[\#RiskManagement](/risk-management/)[\#DigitalChange](/digitalchange/)
[](/podcast-performance-risk/#fronteggiarecrisidimercato)
Listen to Other Episodes
Audio Transcript
Nei recenti podcast di Objectway si è fatto riferimento a nuovi strumenti più evoluti per rispondere al meglio al nuovo contesto in rapida evoluzione. Si è detto che i gestori di portafogli necessitano di strumenti adeguati per l’analisi degli scenari sia per comparare quanto avvenuto in passato ma anche e soprattutto per provare ad analizzare possibili scenari futuri e cercare di fare scelte supportate da analisi e dati.
Oggi questa esigenza sembra maggiormente a portata di mano data l’enorme quantità di informazioni che pervengono alle aziende. I dati si moltiplicano a velocità sbalorditive cosicché le aziende impiegano le pipeline di dati per sfruttare in tempi brevi tutto il potenziale dei propri dati e soddisfare le richieste più velocemente. Tra pochi anni i dati saranno raccolti, elaborati e analizzati in memoria e in tempo reale.
Tuttavia in questo mare sembra scarseggino i naviganti. Mi riferisco a coloro che sono capaci di processare i dati, ottenere delle sintesi che siano utili a direzionare la navigazione dell’azienda.
Per il momento si pensa di far fronte alla massiccia quantità di informazioni con tecniche di autoapprendimento. Sono tecniche che funzionano benissimo nei processi dove le rilevazioni sono di elevatissima qualità e precisione.
L’analisi di scenario si basa su dati macroeconomici dove la componente di errore è rilevante e non sempre la scarsa qualità del dato permette di direzionare correttamente l’apprendimento.
Sono necessari dati che permettano di costruire segnali anticipatori delle crisi più profonde, di prevedere la loro frequenza, ma soprattutto la loro profondità.
Come esempio di cosa intendo per profondità delle crisi, posso portare l’esempio dell’insieme di indici di Brave-Butters-Kelley (BBKI). Sono indici coincidenti e anticipatori costruiti con un’analisi dinamica degli andamenti (crescita e decadimento o crollo) di un gruppo di 500 misure mensili di attività economica reale e crescita trimestrale del PIL negli Stati Uniti. Questi indici sono nati da un progetto di ricerca della Federal Reserve Bank di Chicago.
Riguardo alla profondità delle crisi indico tre dati. Con la recessione degli anni ’80 conseguente alla crisi energetica del ’79, il BBK raggiunge il valore negativo di 11.74 nel maggio del 1980. Si tratta del valore più basso dal 1960 alla fine del secolo scorso. Con la crisi dei mutui subprime il BBK raggiunge un valore negativo pari a 10.29 nel novembre del 2008, quindi inferiore a quello del 1980, anche se per noi questa crisi è più viva nella nostra memoria. Ebbene, la crisi pandemica porta l’indice a -71.09 nell’aprile del 2020. Un valore 7 volte inferiore al livello di tutte le crisi precedenti.
E la crisi conseguente alla guerra in ucraina?
Sicuramente vi è un impatto nella scarsità dei beni energetici, nella disponibilità delle commodity e perfino nei beni di prima necessità. La conseguenza sull’indice di inflazione è evidente.
Riguardo all’inflazione, le banche centrali fanno riferimento all’indice dei prezzi per le spese di consumo individuale. Sempre in riferimento agli Stati Uniti, nel marzo 2022 l’incremento di questo indice rispetto al mese precedente ha sfiorato il 9%.
La previsione ottenuta con un semplice modello statistico dice che, da qui a fine anno, difficilmente questo indice negli Stati Uniti scenderà sotto il 4%, mese su mese, con un picco a settembre prossimo.
La previsione non è scenario e ha margini di incertezza che sfuggono al controllo di chi la produce. L’analisi di scenario invece permette di trasmettere al modello le view dell’analista, quindi di calibrare maggiormente gli andamenti futuri delle variabili di interesse.
**RELATED POST**
Podcast
### Come sfruttare le crisi di mercato e trasformarle in opportunità
[](https://objectway.com/sfruttare-le-crisi-di-mercato-e-cogliere-opportunita/)
Podcast
### Come sfruttare le crisi di mercato e trasformarle in opportunità
[](https://objectway.com/sfruttare-le-crisi-di-mercato-e-cogliere-opportunita/)
**Categories:** #PortfolioManagement, #PortfolioOptimisation, #RiskManagement, Perfomance & Risk, Podcast
---
### [Come sfruttare le crisi di mercato e trasformarle in opportunità](https://objectway.com/sfruttare-le-crisi-di-mercato-e-cogliere-opportunita/)
**Published:** June 8, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Marco Migliorin, Senior Business Leader, Objectway - Il fenomeno della globalizzazione è coinciso con alcuni lustri di crescita sostenuta in quasi tutto il mondo, che ha aumentato le opportunità di investimento, ma anche le occasioni di crisi circoscritte o sistemiche.
**Content:**
###### JUN 8, 2022
# Come sfruttare le crisi di mercato e trasformarle in opportunità
Marco Migliorin
Senior Business Leader, Objectway
Performance & Risk
[\#Portfoliomanagement](/portfolio-management-h/)[\#PortfolioOptimisation](/portfolio-optimisation/)[\#RiskManagement](/risk-management/)[\#DigitalChange](/digitalchange/)
[](/podcast-performance-risk/#fronteggiarecrisidimercato)
Listen to Other Episodes
Audio Transcript
Il fenomeno della globalizzazione è coinciso con alcuni lustri di crescita sostenuta in quasi tutto il mondo, che ha aumentato le opportunità di investimento, ma anche le occasioni di crisi circoscritte o sistemiche.
Nello stesso tempo, i detentori di risparmio hanno goduto dell’accesso a forme di investimento nuove, caratterizzate da gradi di liquidità molto differenti, alcune di esse particolarmente oscure in termini di sottostante.
La focalizzazione si è spostata da una considerazione primaria di tasso di interesse a una ricerca più ampia di opportunità di guadagno.
In questo scenario, i processi di investimento e le leve decisionali alla base dello stesso si sono complicati e si sono esposti agli effetti negativi dei rischi, amplificati da eventi imprevedibili e di portata planetaria, a seguito degli effetti di sinergia e interdipendenza posti in essere negli ultimi venticinque anni.
La sfida che si sta delineando consiste nel somatizzare il rischio come componente cattiva del processo di investimento, tentando di prevenirla e cavalcarla, più che imbrigliarla.
Il buon esito di questa impresa può consentire di innovare usando l’esperienza e la conoscenza accumulata nell’affrontarla, per sfruttare la rischiosità a proprio vantaggio.
Infatti, mercati con drawdown del 35% nell’arco di un mese e rimbalzi tra il 35% e il 50% in un periodo inferiore al semestre rappresentano spallate energiche al sistema tradizionale di gestione.
Come si può evolvere in una dinamica di rischio così instabile? La pratica si sta indirizzando da una parte verso investimenti diversificati in termini dell’oggetto intrinseco dell’investimento, ossia in termini di asset: da investimenti mobiliari e immobiliari a forme di compartecipazione come private equity o di diversificazione sostanziale, come investimenti in opere d’arte o auto d’epoca. Da un’altra parte, nell’ambito degli investimenti consueti all’asset allocation più consolidata, si evince la tendenza a una gestione più attenta e interventista sulle dinamiche di volatilità infraperiodali.
Tutto questo passa da tre pilastri nevralgici del processo deliberativo, ossia la raccolta di informazioni e di dati quantitativi, o quantomeno misurabili, l’applicazione di metodologie di stima e di elaborazione e l’adozione di processi snelli di decisione e di giudizio, fondati su numeri e pattern oggettivi.
**RELATED POST**
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### Crisi dei mercati finanziari e gestione dei portafogli
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### Analisi di scenario come antidoto alla maggior incertezza
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**Categories:** #DigitalChange, #PortfolioManagement, #PortfolioOptimisation, #RiskManagement, Perfomance & Risk, Podcast
---
### [Objectway sustainable vision of the future](https://objectway.com/podcast-owin23-objectway-sustainable-vision-of-the-future/)
**Published:** February 1, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Luigi Marciano, Founder & CEO Objectway - Business Sustainable Innovation is going to be at the very heart of OWIN23. For us, it lies in the ability of an organisation to adapt and evolve to smoothly meet changing needs and preferences.
**Content:**
###### FEB 01, 2023
# Objectway sustainable vision of the future
[Luigi Marciano](https://www.linkedin.com/in/luigi-marciano-66b9538/)
Founder & CEO Objectway
OWIN23
[\#Customerconference](/customer-conference/)[\#ClientCommunication](/clientcommunication/)[\#Sustainability](/sustainability/)[\#Esg](/esg/)[\#OneObjectway](/one-objectway/)
[](/podcast-owin-23/#countingdowntoowin23)
Listen to Other Episodes
Hello everyone and let me say: yes, OWIN is back!
In April 2023 we’ll be hosting, in Venice, in-person, the next edition of our iconic International Customer Conference. A 3-days experience fuelled with networking, views on latest industry trends and an opportunity to deepen into our offering and get to know our strategies and innovations for our solutions and services.
Business Sustainable Innovation is going to be at the very heart of OWIN23. For us, it lies in the ability of an organisation to adapt and evolve to smoothly meet changing needs and preferences, master unpredictable circumstances and stay competitive in a rapidly changing market. All this having a positive impact on business, society and environment.
So ultimately, sustainable innovation is not a fixed state of harmony but rather a process of change – fuelled with collective collaboration and effort – in which the exploitation of resource, the direction of investments and of technology development, along with institutional change are made consistent with both present and future demands and needs. This is the key first ingredient to achieve sustainable, long-term growth.
If we think from this perspective to our business, we are talking about Wealth Democratization, meaning extending accessibility, broadening the investment landscape and scope, and achieving both through “cost frameworks” that are fair and appropriate on an on-going basis.
Also, Impact Investing Decision Support to improve the ability of discretionary asset managers to better measure positive sustainable impact related to their deployment of capital. This speaks toward continuing to identify and integration the best data attribution models that facilitate timeliness and precision as it relates to positive and negative impact of deployed capital, and unlocking the ability of investors to support long-term investment horizons that support high impact infrastructural change.
Developing Upskilling programmes that help to offset the potentially adverse impact on employment of increasing automation via robotics and AI systems within the entire wealth value chain. This speaks toward developing collaborations with content and system providers focused on “enabling” more humanization in the client relationship where it assists vulnerable clients, and provides greater touch points to scale the advisory process. These are very few examples of outcomes to be considered in business sustainable innovation.
Venice is a metaphor for the energy flows that allow corporate growth. We captured one of its most symbolic images, the bridge: an emblem of integration, fluidity and seamless transition, to innovate by adapting to changing conditions. Venice is a symbol of long-term sustainable growth and agility, capable of governing an ever-changing environment and overcoming obstacles in a natural way, in a context of sustainability and resilience.
I’m looking forward to meeting all of you in Venice!
**RELATED POST**
About Objectway
### Objectway International Customer Conference 2023: Ready, Steady, Go!
[](https://objectway.com/modelli-sma-la-nuova-frontiera-della-gestione-patrimoniale-evoluta/)
About Objectway
### Customer Conference 2023
[](https://www.objectway.com/owin/owin23/)
About Objectway
### OWIN: your gateaway to our brand
[](/owin-your-gateway-to-our-brand/)
**Categories:** #ClientCommunication, #CustomerConference, #Esg, #OneObjectway, #Owin, #Sustainability, OWIN232, Podcast
---
### [Trends and key themes in sustainable innovation in wealth](https://objectway.com/owin23-trends-and-key-themes-in-sustainable-innovation-in-wealth/)
**Published:** February 8, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Roger Portnoy, Chief Strategy Advisor, Objectway - Trends and key themes in sustainable innovation in wealth.
**Content:**
###### FEB 08, 2023
# Trends and key themes in sustainable innovation in wealth
[Roger Portnoy](https://www.linkedin.com/in/roger-portnoy-a16b67/)
Chief Strategy Advisor for Objectway
OWIN23
[\#OWIN](/owin/)[\#Customerconference](/customer-conference/)[\#ClientCommunication](/clientcommunication/)[\#Sustainability](/sustainability/)[\#Esg](/esg/)
[](/podcast-owin-23/#countingdowntoowin23)
Listen to Other Episodes
Good day, my name is Roger Portnoy, and I am the Chief Strategy Advisor for Objectway. Today’s podcast covers some key trends and themes in wealth management, and particularly captures the role of sustainable innovation in the client experience. This will be a major area of focus in our upcoming summit in Venice in April and represents an important evolution in the way that Objectway and its clients will seek to utilize emerging technologies and new business models to deliver great outcomes for advisors, relationship bankers, and end clients in 2023 and beyond.
As a starting point, I believe this year will see the continued convergence of sustainability with emerging technology innovation in wealth management. While the macro environment is likely to remain challenging, especially in the first half of the year due to rising unemployment and high core inflation, we see strategic investment persisting in areas that reinforce a firm’s commitment to client outcomes in a holistic way as well as reinforce the alignment of a firm’s and client values as they relate to the environment, social justice and governance.
The areas where I expect to see continued investment and strategic focus feature a blend of technology and service innovation. They will of course be client focused, and holistic. They will more commonly be deployed within the cloud and use cognitive services. I see the outcomes they deliver reshaping digital advice, supporting the advancement of personalization in investment solution design. I also expect them to increasingly find ways of using embedded apps to support operational transformation, reducing both cost and friction. Finally, sustainable innovation will, I am happy to add, encourage more wealth democratization, while expanding access to alternatives.
I also expect this year to represent a leap in the presence of AI in the client experience and its continuous interaction with content management. I also expect to see AI feature more as a tool for business process automation, and smarter application interfaces. It is at last possible to see a back office where AI enabled systems and Lo code/no code frameworks reduce both complexity and time to market for solutions that rely on an integration of one or more of these technologies.
As far as the evolution of application use cases are concerned, relationship managers will be presented with more opportunities to retain, grow and enhance their asset and household reach. In our experience, firms that start to experiment and deploy emerging technology and new tech frameworks early get themselves in a better place to demonstrate to clients their intergenerational practice management capabilities and the improved risk/reward frameworks this approach demands. We expect leading firms, as a result, winning more mandates to service a diverse pool of household assets, and creating broader investment relationships with earlier wealth builders within this structure.
We also see operational leadership in wealth firms continuing on a mission to further tackle and reduce the high-level friction points in client engagement. Firms know they need to both accelerate the on-boarding of new clients, as well as the flow of assets into different underlying mandates for savings, investment and retirement. The path to achieving this, in my opinion, is through using reg tech solutions embedded directly into the customer journey. Developers in wealth firms will this year increasingly leverage apis via lo code/no code systems leading to increased straight through processing for a larger array of client types and on-boarding situations. I believe firms that do this well acquire assets faster, improve their monitoring of high-risk chokepoints, and achieve higher level of client satisfaction.
The ever-changing regulatory landscape and the increasing need to build applications that adjust to client vulnerabilities, as I see it, will lead to further investment in personalized investment solutions and new types of decision support tools. We expect to see richer client profiles at the heart of this and expand further to properly accommodate sustainability preferences, as well as client knowledge and experience.
At long last, this will see the wealth management industry demonstrate greater accountability to improve client financial literacy, even while presenting portfolio designs and practices that are simpler and more automated. We see the net result as an evolving offering of investment solutions more accurately aligned to sustainability requirements coupled with personalized education and decision support tools.
These developments will be part, as I see it, of the continued evolution of the hybrid advisory model and the role of client facing technologies to achieve this. The impact of the pandemic isn’t going away, and will continue to shape how firms engage, and collaborate via both digital first and human led approaches. We expect this to be revealed more often in 2023 as a unique mix of “human and technology”. The client portal will play an ever-increasing role in achieving this providing the most secure way for firms to collaborate with clients and their trusted advisors. Through the portal, I am expecting firms to deliver enhanced decision support tools, influenced by critical data and analytics that reflect client sentiment, and satisfaction. We see firms that execute this well improving their opportunity to expand the size and breadth of their client base, quantify the value of their client service functions, and enhance their behavioural understanding of their clients.
In Conclusion, I see exciting times ahead for client engagement and lifecycle management and the critical technologies and services that shape it. 2023 promises to be a significant year for the evolution of the front office, and one where investment to improve the client experience has the potential to not only improve client satisfaction, but also the economic and social outcomes for both the firm and each individual that it serves.
My colleagues and I look forward to seeing you at Venice, and sharing the conversation with you on your sustainable innovation program.
**RELATED POST**
Podcast OWIN23
### Objectway sustainable vision of the future
[](/podcast-owin23-objectway-sustainable-vision-of-the-future/)
About Objectway
### Objectway International Customer Conference 2023: Ready, Steady, Go!
[](/objectway-international-customer-conference-2023-ready-steady-go/)
About Objectway
### Customer Conference 2023
[](https://www.objectway.com/owin/owin23/)
**Categories:** #ClientCommunication, #CustomerConference, #Esg, #Owin, #Sustainability, OWIN232, Podcast
---
### [Building stronger relationships: the value of customer conferences for business development](https://objectway.com/building-stronger-relationships-the-value-of-customer-conferences-for-business-development/)
**Published:** February 13, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Alexander Cassar, Objectway Chief Business Operation Officer - Building stronger relationships: the value of customer conferences for business development.
**Content:**
###### FEB 13, 2023
# Building stronger relationships: the value of customer conferences for business development
[Alexander Cassar](https://www.linkedin.com/in/sandrocassar/)
Objectway Chief Business Operation Officer
OWIN23
[\#Customerconference](/customer-conference/)[\#OWIN](/owin/)[\#Sustainability](/sustainability/)[\#Digitalisation](/digitalisation/)[\#Customerjourney](/customerjourney/)[\#Clientrelationship]()
[](/podcast-owin-23/#countingdowntoowin23)
Listen to Other Episodes
We all know business growth doesn’t happen overnight and building stronger relationships is a marketing key and vital.
Relationships over time build trust which in turn leads to loyalty. In our industry, this enables wealth managers to better understand clients’ goals, risk appetite and investment preferences. Essentially, it sets the foundation for lasting relationships.
Client relationships are at the core of our business development approach at Objectway grounded in the following three imperatives:
1\. First, Business Development is not a synonym for sales
Nowadays many business people are easily swapping between Sales and Business Development, as if they are synonyms, without giving it much thought. In reality they are very different: while Business Development can include selling activity and transactions, it covers a much wider range of competencies and actions leading to growth.
2\. Second, the keyword is partnership
Traditionally in the context of Sales, relationships have been always viewed as client- vendor (or buyer-seller) affairs. Once we see the bigger picture of Business Development, it becomes clear that there is much more to that relationship than just buying and selling.
Client-centric vendors look deeper and do everything in the clients’ best interest: investing into insight and learning about clients’ challenges and objectives, developing relevant solutions, and delivering competitively within a client-suitable timeframe and budget.
Development and delivery of solutions becomes a collaborative endeavour, whereby both client and vendor respect, recognise and try to maximise the outcomes for the other party. Some of the most successful long-term relationships in the industry are built on such principles, and Objectway has elevated the Client Partnership strategy to a main approach and business model.
3\. Finally, the ultimate key to success lies in harnessing the magic of customer conferences.
- Conferences provide the opportunity to address multiple participants altogether, one by one, or in small groups;
- Content and messages can be tailored for the participants and their needs;
- Participants can absorb a lot more information, as they are away from their daily routines;
- What’s more, participants can exchange experiences and information with their peers as well as networking;
- Last but not least, there’s the fun element to be had from such gatherings.
All this and much more is what OWIN23 is going to be. We look forward to meeting you there!
**RELATED POST**
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### Objectway sustainable vision of the future
[](/podcast-owin23-objectway-sustainable-vision-of-the-future/)
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### Objectway International Customer Conference 2023
[](https://www.objectway.com/owin/owin23/)
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### Trends and key themes in sustainable innovation in wealth
[](/owin23-trends-and-key-themes-in-sustainable-innovation-in-wealth/)
**Categories:** #ClientRelationship, #CustomerConference, #CustomerJourney, #Digitalisation, #Owin, #Sustainability, OWIN232, Podcast
---
### [Looking into the eyes of Sustainable Innovation](https://objectway.com/looking-into-the-eyes-of-sustainable-innovation/)
**Published:** February 21, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Alberto Cuccu, Chief Operating Officer, Objectway - Our framework, is based on the consolidated concept of the Innovation Diamond. The Innovation Diamond is defined by 3 Dimensions.
**Content:**
###### FEB 21, 2023
# Looking into the eyes of Sustainable Innovation
[Alberto Cuccu](https://www.linkedin.com/in/alberto-cuccu-21a401/)
Objectway Chief Solution Officer
OWIN23
[\#OWIN](/owin/)[\#Customerconference](/customer-conference/)[\#Sustainability](/sustainability/)[\#HybridAdvisory](/hybrid-advisory/)[\#Digitalisation](/digitalisation/)
[](/podcast-owin-23/#countingdowntoowin23)
Listen to Other Episodes
As we are getting closer to our upcoming Customer Conference in Venice, I want to take the opportunity to share with you more insights on how we will develop the concept of sustainable innovation.
We all see that the financial services are continuously evolving and reshaping:
- The way we think about financial services is evolving, we don’t speak now about transactional services and products, the future is all about conscious services or conscious banking: the focus is now customer outcome oriented, and led by meeting client needs.
- The way financial services will be delivered in the future is evolving: we are moving into the era of contextual services. Delivery of financial solutions will occur where clients need it when they need it, leveraging omni-channel availability and service embedding concepts. A bank needs to travel to its customers and deliver services when requested. Clients now pull on-demand.
- The value chain is being fused and becoming more integrated: we are witnessing the convergence of Wealth Management, Banking, and Asset Servicing, with M&A acting as an accelerant for consolidation. We see more and more organizational re-design and business model re-configuration with more and more ecosystem collaborators across the value chain.
- Sustainability has become a priority for customers: every business initiative has to be designed to take into consideration that clients are expecting it to be delivered within a sustainability framework. Transparency, Governance and Impact are emerging priorities in this new paradigm.
In such a scenario those that will be able to deliver such sustainable innovation are destined to be the leaders of tomorrow. At the conference, we will focus on sustainable solution design, defining a framework to develop a sustainable innovation at scale.
Our framework, is based on the consolidated concept of the Innovation Diamond. The Innovation Diamond is defined by 3 Dimensions, and along these dimensions business innovation will be introduced:
- Customer Experience: The client experience and the focus on creating and maintaining conscious relationships. Delivering an operating model aligned to client lifecycle management.
- Business Configuration: or re-configuration. Business operating model evolution, to enhance scalability, while also reducing cost via automation and standardization in business process design.
- Offering Evolution: focusing on personalization and implementing investment and communication solutions that cater to on-demand/omni-channel dialogue and fulfilment to achieve client objective.
These 3 innovation dimensions should be all driven and overlaid by the design concept of sustainability.
At the conference we will focus on all the 3 dimension of sustainable innovation, first listening to the voice of the market, presenting a very recent survey done with one of the major analyst on the market; then looking at the reshaping of financial services along the principle of contextual and conscious financial services, and finally taking a deep dive on the 3 innovation diamond dimensions. We will delivery this through key-note speakers, real use cases from our client base and discussion panels chaired by industry experts.
We believe this is a real unique opportunity to take some time strategically looking together to the future of our business and design solutions that will inspire further growth and success.
Don’t you dare miss it!
**RELATED POST**
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### Objectway sustainable vision of the future
[](/podcast-owin23-objectway-sustainable-vision-of-the-future/)
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### Trends and key themes in sustainable innovation in wealth
[](/owin23-trends-and-key-themes-in-sustainable-innovation-in-wealth/)
Podcast OWIN23
### Building stronger relationships: the value of customer conferences for business development
[](/building-stronger-relationships-the-value-of-customer-conferences-for-business-development/)
**Categories:** #CustomerConference, #CustomerJourney, #Digitalisation, #HybridAdvisory, #Owin, #Sustainability, OWIN232, Podcast
---
### [Elevating Collaboration: Harnessing the Latest Tools for Improved Customer Engagement](https://objectway.com/how-harnessing-the-latest-tools-can-lead-to-improved-customer-engagement/)
**Published:** February 24, 2023
**Author:** Silvia Boccuzzi
**Content:**
###### FEB 24, 2023
# Elevating Collaboration: Harnessing the Latest Tools for Improved Customer Engagement
[Michele Tanzi](https://www.linkedin.com/in/michele-tanzi-39b18410/)
Objectway Market Solution Director
OWIN23
[\#Customerconference](/customer-conference/)[\#OWIN](/owin/)[\#Sustainability](/sustainability/)[\#Digitalisation](/digitalisation/)[\#Customerjourney](/customerjourney/)[\#RoboAdvisory](/robo-advisory/)
[](/podcast-owin-23/#countingdowntoowin23)
Listen to Other Episodes
Hello everyone and welcome to the fifth episode of this podcast series. I’m Michele Tanzi, Market Solution Director at Objectway and today I’ll be counting down to OWIN23 by discussing how harnessing the latest tools can lead to improved customer engagement.
But before diving deep into the topic, let’s assess the basics with a closer look at the industry and how it’s changing in terms of operating environment and particularly client behaviour.
Client behaviour in wealth management is evolving rapidly, driven by technological advancements, changing demographics, and shifting market dynamics. Today, clients are seeking, or better demanding, tailored solutions that meet their unique needs, rather than generic investment products. They are looking for personalized advice, based on their individual circumstances, goals, and risk tolerance. And they won’t settle for anything less. That’s a fact.
What’s more, digitalization is transforming the way clients interact with their wealth managers as they increasingly expect a seamless, online experience that assures them access to their global wealth including protection and not financial assets, investment performance, and market updates anytime and everywhere. And this is again non-negotiable.
Finally, they are showing a growing interest in sustainable investing and looking for investments that promote positive ESG outcomes. This is crucial.
So, won’t settle for anything less, non-negotiable and crucial are all terms that seem to recall a sort of categorical imperative which means firms must keep pace with changing client behaviour, adopting a more tailored, sustainable, technology-driven service to meet evolving needs through wealth management in innovation and digitalization.
The assumption to this podcast is therefore that Client Engagement is function of Client Behaviour and the actions and tools an organization sets up to engage with the client.
Now, image a wealthy individual who wants to manage his wealth effectively. In the past, this might have required phone calls, emails, and in-person meetings with the wealth manager. But with the advent of client portals and wealth management digital platforms, things have become much more streamlined and efficient, both client’s and wealth manager’s side.
Let’s start with the client portal. The client can log in and access his account information, global wealth and personal finance, investment statements, and other important financial documents in one centralized location, see real-time actionable tips on his family needs – and receive alerts when there are changes to his accounts. He can also communicate directly with his wealth manager using secure messaging tools, which helps to build a stronger relationship and enhance collaboration. And chatbots can provide quick and personalized answers to client frequent questions.
But that’s just the beginning. The wealth management digital platform takes things to the next level. With automated processes for routine tasks like account opening and portfolio rebalancing, the platform frees up more time for wealth manager to focus more value-added activities, notably providing personalised investment advice and strategies to the clients. The data analysis and insights provided by the platform through AI algorithms that can support identify customer needs and preferences and help advisors make better-informed decisions and customize their recommendations.
Collaboration between clients and advisors is therefore enhanced and thanks to a range of communication tools advisors and wealth managers can work together in real-time. And more of all, soon advisors and clients will be able to work in a virtual reality space having a truly immersive experience.
By harnessing the power of latest digital tools wealth managers can provide a seamless and intuitive experience for their clients, while also streamlining operations and improving efficiency. The result? A more engaged and satisfied client base, leading to stronger relationships.
Stronger yes, but we must not forget, conscious! Indeed, the secret formula lies in designing and delivering continuous innovation to provide easily accessible tools to make sustainable investment choices, together with delivering an operating model aligned to client lifecycle management to be client centric and deliver client outcomes deriving from conscious relationships.
This is just a glimpse and I look forward to having you all at our upcoming Customer Conference where we’ll be digging into the topic even more!
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---
### [Leading voices: AWS on innovating for and with customers on a long term view](https://objectway.com/leading-voices-aws-on-innovating-for-and-with-customers-on-a-long-term-view/)
**Published:** March 7, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Davide Balladori, FSI Lead, Amazon Web Services - From 1996 Amazon and from 2006 AWS do really focus on innovating for customers and with customers staying stubborn on the long-term view, to avoid false and speculated achievements, but – at the same time - providing a program, a plan along with customers can evolve gradually their business to stay competitive in the market.
**Content:**
###### MAR 07, 2023
# Leading voices: AWS on innovating for and with customers on a long term view
[Davide Balladori](https://www.linkedin.com/in/davide-balladori-570b43/)
FSI Lead for Amazon Web Services
OWIN23
[\#Customerconference](/customer-conference/)[\#OWIN](/owin/)[\#Sustainability](/sustainability/)[\#Digitalisation](/digitalisation/)[\#Customerjourney](/customerjourney/)[\#Cloud](/cloud-2/)[\#RoboAdvisory](/robo-advisory/)
[](/podcast-owin-23/#countingdowntoowin23)
Listen to Other Episodes
Hello everyone, Amazon and AWS are very familiar with Sustainable Innovation at Scale, actually I would say that this is the core of the mission that my colleagues and I pursue on a daily basis, and more and more this is true and pivotal to interpret the financial services arena too, which is evidently evolving. Try to think on how the pandemic has changed our way of interaction on a wide scale, socially, but also in terms of how more digital we all are now compared to few years ago. Innovation is one of the elements of resilience which is relevant part of the guaranty that each of us shall develop to safely and fruitfully look at the future.
From 1996 Amazon and from 2006 AWS do really focus on innovating for customers and with customers staying stubborn on the long-term view, to avoid false and speculated achievements, but – at the same time – providing a program, a plan along with customers can evolve gradually their business to stay competitive in the market. The secret sauce consists of a savvy mix of people, organization and technology that combined empower the individual, reshape the organization itself and run faster than before thanks to the enablement of technology, sourced and governed in a different way, in a nutshell the cloud.
How is this possible? Well, primarily thanks to the culture: culture of democratization, culture of failure but in a controlled way, to factor the failure as a natural part of the evolution, but without main side effects thanks to the agile and flexible environment enabled by cloud technology. Second, as relevant as the culture is, the mechanism. At Amazon and AWS we leverage mechanisms and avoid processes, for the same reason we leverage document rather than presentation when we have to take a decision. If the latter, the process, represents an excuse and usually slow down the run, the first creates, so the mechanism, a flywheel that boosts tasks and activities and, moreover, let the ideas move to be intentions and then plans and again programs applied at scale. Yes, because scale matters for many reasons, economic for sure, but in general in order to have an industrialized, flexible but repeatable solution which either address a need or represent a foundation on top of which build other solutions as the agile and microservices driven architectures are in comparison with waterfall designed and run monoliths we were all used.
In my last 6 years at AWS I’ve seen a lot of ideas and a lot of successes of our customers and one idea I remember from the very beginning, which is now a mantra, is the sustainability. Actually what we do must be long term, must last ideally forever, evolving time by time as the AWS services that grow year over year by thousands of features and functionalities as per our customers’ requests, and to do that, to assure that this is scalable but not “just a flash in the pan”, well, we must be sustainable and we must do it on and for people and environment to assure that the engine of the ideas are preserved safely: yes because people and the environment are the engine we all have to care about.
At Amazon – so AWS – we’re committed to and invest in sustainability because it’s a win all around—it’s good for the planet, for business, for our customers, and for our communities. As you got from my words, two pillars in what we do on daily basis are bold thinking and relentless innovation. That’s what we do at Amazon, and how we approach sustainability is no exception. We are in the world’s largest corporate purchaser of renewable energy, and we are on a path to powering our operations with 100% renewable energy by 2025. Leveraging our cloud enables – depending on Geo – 88% in Americas and 96% in EMEA carbon footprint reduction.
Last, but not the least, aside the culture and the lesson learnt from Amazon – which we make available to our customers since we do trust that information and data democratization are the key to move the society to the next level – and on top of the building blocks of cloud technology we all have partners which embrace the same mission and vision which deliver value for our customers supporting them along with the digital transformation journey.
Objectway is one of the most relevant and I’m really happy and thankful to shed some light on these messages in Venice on April 20th.
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---
### [How Personalised Customer Experiences Drive Innovation in the Banking Industry](https://objectway.com/how-personalised-customer-experiences-drive-innovation-in-the-banking-industry/)
**Published:** March 22, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Karl im Brahm, CEO DACH Region Objectway Group & Eric van der Deijl, COO, CIO & CDO ABN AMRO Bank NV discuss how Personalised Customer Experiences Drive Innovation in the Banking Industry.
**Content:**
###### MAR 22, 2023
# How Personalised Customer Experiences Drive Innovation in the Banking Industry
[Karl im Brahm](https://www.linkedin.com/in/karl-im-brahm/)
CEO DACH Region Objectway Group
[Eric van der Deijl](https://www.linkedin.com/in/eric-van-der-deijl-1224291/)
COO, CIO & CDO ABN AMRO Bank NV
OWIN23
[\#Customerconference](/customer-conference/)[\#OWIN](/owin/)[\#Sustainability](/sustainability/)[\#Digitalisation](/digitalisation/)[\#Customerjourney](/customerjourney/)[\#Hyperpersonalisation](/hyper-personalisation/)
[](/podcast-owin-23/#countingdowntoowin23)
Listen to Other Episodes
K.: Hello, everyone. I’m Karl im Brahm. I’m responsible for Objectway Business based in the DACH Region. I’m here with Eric van der Deijl. Eric is Board Member at ABN AMRO Bank NV, Germany, and he has a lot of titles. He is co CIO, CIO and CDO. I’m hopefully right Eric, but would you like to introduce yourself and your bank a little bit?
E.: Definitely. Thanks, Karl. And you’re very right. Unfortunately, I don’t get paid for three jobs, but I do have a lot of titles. So, my name is Eric van der Deijl. I’m Dutch. I came over about six years ago to Germany to work for ABN AMRO Bank NV. And what does ABN AMRO do? I mean, it’s a large international bank, but here in Germany, we are mainly focused on private banking. We do have some other divisions, like commercial banking and finance. But our main focus is on on private banking. We are the third largest private bank here in Germany. When you look at it from assets under management. So, we’re quite successful, quite successful over here. And as you as you know, the clients really have special requirements. But I think we will get back to that a bit later on.
K.: Perfect. And you have to know, Eric, will be giving an exciting talk on customer experience at the Objectway Customer Conference in Venice. He will talk about personalized customer experience and driving innovation in the banking sector and I’m looking forward to the presentation and the subsequent dialogue at our conference to which we have invited around 200 decision makers of the international financial sector. And customer experience is a source of sustainable innovation and the core of Objectway. Our upcoming Customer Conference OWIN23 will be live from 18th April to 20th April in Venice. Eric, I would like to make a bold statement: banking is more than ever in the age of customer retention and loyalty. I think customers are looking for a tailored solution across all channels when it comes to their finance. They want a solution that is proactive, real time predictive, and provides them with real value. This is a challenge that banks needs to address in a competitive environment. How do you experience your customer and the demand addressed to your bank? What makes you unique?
E.: Yeah, that’s a very interesting question. So, what we see is that our clients at the moment, they really would like to see us providing services from different angles, not only from a product perspective, but also from different channels. So, what we see is that what our clients really appreciate is both a digital channel where they’re able to look into, especially into their portfolio, do slicing and dicing, but also have a discussion with the advisor and with the person. And I think that’s not something that we realize only here in Germany as a bank and ABN AMRO globally, but we also see that we have a slogan which is “A personal bank in a digital age” which actually combines the two. So, we see that clients really would like to have these two channels. And that is indeed a challenge because we come from an age where we have quite some legacies and we need to really transform that into the new age that we’re currently living in.
K.: From my point of view, that means banks need to align strategy and technology to be successful in personalization. This transformation involves the use of technology and digital solutions to optimize processes to improve the customer experience and increase overall efficiency. Are you in the process of digital transformation at Bateman or ABN AMRO?
E.: Yeah, we definitely are. And maybe too, I just told you about a slogan, “The personal Bank in the Digital Age”, but maybe it’s good to also tell you about the three strategic pillars that we have within ABN AMRO, because I think we perfectly fit together also as a company over there. So, the first one is to reinvent the customer experience or the client experience. The second one is the future proof bank, and the third one is the so-called transition to sustainability. And if you combine those three, you know that you indeed are going through a huge transformation and that’s a huge digital transformation as well. So, we’re definitely into that and that’s from very different angles from upgrading our channels that we have with our clients, upgrading our products, but also to ensure that, let’s say, the whole IT landscape and that’s within the future proof banking pillar. The whole IT landscape is organized in such a way that it’s easy through services to also provide new services to our clients through APIs. What I mean with services, but also to connect them and to interconnect, because our clients don’t like to have a connection, but all systems need to be integrated as well. And that’s what we’re able to do within this, within this service layer. So, there’s a lot of effort going into that as well.
K.: Eric, thank you very much for your explanation. Really exciting and look forward to our interaction in Venice with you, with other clients and also with the masterminds of our industry. Thank you all for your interest. And Eric and I look forward to an exciting dialogue in Venice. See you there!
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---
### [Competing on Customer Experience & Achieving Higher Lifetime Value](https://objectway.com/competing-on-customer-experience-and-achieving-higher-lifetime-value/)
**Published:** March 28, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Tariq Khan, Objectway Director of Sales and Account Management - Customer experience is not a recent trend anymore. It has been at the top of everyone’s agenda for years and is now widely recognized as a key aspect of business strategy.
**Content:**
###### MAR 28, 2023
# Competing on Customer Experience & Achieving Higher Lifetime Value
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
Objectway Director of Sales and Account Management
OWIN23
[\#Customerconference](/customer-conference/)[\#OWIN](/owin/)[\#Sustainability](/sustainability/)[\#Digitalisation](/digitalisation/)[\#Customerjourney](/customerjourney/)
[](/podcast-owin-23/#countingdowntoowin23)
Listen to Other Episodes
Customer experience is not a recent trend anymore. It has been at the top of everyone’s agenda for years and is now widely recognized as a key aspect of business strategy.
Gartner reports that more than 80% of financial institutions will primarily or exclusively compete on customer experience in the coming years and customer research shows that 25 to 30% may switch to a different wealth management firm within the next 12 months if important touchpoints such as client portal and reporting are not improved quickly.
This improvement needs to involve more dynamic flow of information on multi-device and should be personalized. Indeed, research shows that as technology improves, customers are actually more likely to speak to their firms about important investment decisions. It’s no wonder then, that customer experience will be a critical competitive differentiator.
Objectway recent discussions with over 25 CEOs shows that firms are focusing on achieving higher lifetime value for customers and stressed the importance of a seamless, personalized journey to provide real value in terms of customer experience. This also involves implementing an operating model which can integrate systems in the most efficient way so that data can flow freely and end to end customer journeys can be managed in an effective, seamless manner. In order to achieve this goal, a number of challenges will need to be overcome.
First and foremost, firms need to tackle the burden of legacy IT architecture, which has resulted in a disparate spaghetti IT architecture where systems don’t speak to each other, leading to excessive data, rekeying and multiple manual processes and significant time wasted on administrative tasks by people who could be adding value to their clients. Overall, this breaks a seamless customer experience. However, if we look at research out there over the next 12 months, more than seven out of ten firms intend to change their legacy IT systems indicating a positive outlook for change.
Objectway Customer conference will bring together leaders in the wealth management industry where we will discuss the challenges to offer a customer centric experience and also hear from key industry players about their own experiences and case studies.
They will discuss the major pitfalls and what best practice looks like in the change journey and also what is possible in terms of successful outcomes here and now as measured through quantitative and qualitative business metrics. We will also hear about what firms are planning to do next to keep evolving their offering in order to provide the wow factor to customers and strengthen their business.
We look forward to meeting you all there.
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---
### [Banks and Fintech on Platform Economies: Contextual and Conscious Banking](https://objectway.com/banks-and-fintech-on-platform-economies-paolo-sironi/)
**Published:** April 4, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Paolo Sironi, Global Research Leader Banking and Financial Markets, IBM, Institute for Business Value - Information is everything contained in a bank’s core banking system, that means the transactions for payments or the adverse selection.
**Content:**
###### APR 04, 2023
# Banks and Fintech on Platform Economies: Contextual and Conscious Banking
[Paolo Sironi](https://www.linkedin.com/in/thepsironi/)
Global Research Leader Banking and Financial Markets, IBM, Institute for Business Value
OWIN23
[\#Customerconference](/customer-conference/)[\#OWIN](/owin/)[\#Sustainability](/sustainability/)[\#Digitalisation](/digitalisation/)
[](/podcast-owin-23/#countingdowntoowin23)
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Buongiorno a tutti, my name is Paolo Sironi. I’m the Global Research Leader in Banking and Financial Markets at IBM, the Institute for Business Value and I’m an author literature about fintech innovation and the transformation of the platform economy of the banking industry. In particular I’m looking at the wealth management transformation in Venice. I will have the chance to share with you content about my latest bestseller, “Banks and FinTech on Platform Economies”, whose subtitle is Contextual Banking and Conscious Banking, which are the two emerging platform strategies That means positioning value outside the banking border to create ecosystem platforms or transform their relationship with clients, bundling back a variety of services into a transparent and trusted advisory platform.
Now, the European Central Bank researchers a few years ago published a paper titled “Financial Innovation with Technology”. And they said that the way financial intermediaries have market power is to excel in information and communication. Now, what’s information and what’s communication which actually made the axis of the banking invention quadrant, which is at the heart of this piece of literature? Information is everything contained in a bank’s core banking system, that means the transactions for payments or the adverse selection. So, the understanding of the corporate positions in front of the client. Now, given the current macroeconomic conditions, the ECB researchers already realized that it’s difficult for financial institutions to remunerate shareholders after the price for risk using core banking information within the banking proposition as it is today.
So, they suggest the bank should be banking as a service platform to position that value outside the banking border to the benefit of third parties like other fintech or big tech, that can create a new engagement mechanisms in front of the customers that are actually banks which are creating those ecosystem platforms to engage the customers where they are in their life journey or their business journey. But the researchers recognize in particular that communication is becoming more and more important, especially in Europe, to define the revenue mechanism of financial institutions compared to information and communication is about me and you as a warm relationship and this is the human relationship that allows institutions in particular to position investment products and insurance products. So, the big question is how can you digitize that relationship if you take the warm relationship out of the equation?
Well, that is the transformation towards the trusted advisor platform or the conscious banking platform as I define it, which means to learn how to build a banking as a platform that allows to bring inside the banking charter. The innovative value of a third party is like other fintech that specialize in particular segments of the client journey in order to bundle everything into a planning exercise that can invite the client to pay transparently for the services, for accessing the trusted advisory platform and basically being a service in a different way compared to the past, as the focus shifted from the product, whose margins are more and more complex into the relationship.
So I will be very happy to discuss all of this in Venice, and I look forward to meeting you all.
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---
### [From rough to polished: Objectway's Diamond framework for sparkling Wealth Management ](https://objectway.com/objectway-diamond-framework-for-wealth-management/)
**Published:** May 8, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Kurt Vanhee, Objectway Managing Director Continental Europe & North America - From rough to polished: Objectway’s Diamond framework for sparkling Wealth Management.
**Content:**
###### MAY 08, 2023
# From rough to polished: Objectway’s Diamond framework for sparkling Wealth Management
[Kurt Vanhee](https://www.linkedin.com/in/kurtvanhee/)
Objectway Managing Director Continental Europe & North America
[Koen Vanderhoydonk](https://www.linkedin.com/in/koenvanderhoydonk/)
The Connector Founder & CEO
OWIN23
[\#Customerconference](/customer-conference/)[\#OWIN](/owin/)[\#Sustainability](/sustainability/)[\#Clientrelationship]()
[](/podcast-owin-23/#theconnectorpodcastowin23)
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Koen Vanderhoydonk:
Welcome to another podcast episode, right from Venice at OWIN 2023. And I have a very nice guest with me, which I know for a long time, it’s Kurt and Kurt works for Objectway. And Kurt today, diamonds are forever. What’s happening with the diamonds?
Kurt Vanhee:
Thank you very much for having us. And welcome to OWIN23 in beautiful Venice. Diamonds are forever. And I hope that also Objectway will be forever. In the last few months, with our team we have tried to look at the reality of wealth management. I’ve seen that staying ahead and about management is not that easy. And that’s the reason why we have been thinking of what we can do and what we will have to do to deliver additional value to our clients. And we have tried to segregate that in three, four components that we have interconnected like you interconnect a diamond, you know, the diamond has many facets, some of the facets are interlinked. And if you have three of them, or four of them, they’re all linked together. And that’s what we have tried to do. Now for us, there are four facets in current wealth management. So first, is experience. The second one is offering. The third one is configuration. And the fourth one is sustainability. This goes very fast.
Koen Vanderhoydonk:
What bring them together? I mean, a diamond only makes sense if it’s a nice piece of art.
Kurt Vanhee:
Exactly. But all the facets are linked to each other because there are only four. And we see that what is important in wealth management today is delivering what the client wants, at the moment that the client wants it in a sustainable way. So what we call those, so hyper personalization, or conscious banking, textual banking, that is all integrated in this diamond framework.
Koen Vanderhoydonk:
This morning, I was listening to your company chief, and he was explaining that sustainability is like an add on, it’s a cherry on the cake. Why is it on top of it?
Kurt Vanhee:
Because clients and also employees want to work in an environment and clients wants to receive services from their banks, and from the wealth manager, which are compatible to their view of sustainability. They do not want to wastepaper anymore. They do not want to waste energy anymore. So, you don’t have to be the best one as a private bank or a wealth manager, you don’t have to be the best one in a sustainability mood. It needs to be compatible with what your client has, as a view as you as a company.
Koen Vanderhoydonk:
So it’s almost boiled back to this hyper personalization.
Kurt Vanhee:
Indeed, and it’s also what ESG MiFID is about. What the client wants at the moment that the client wants it in a way that the client wants it.
Koen Vanderhoydonk:
Which is the typical type of customer that you guys deal with?
Kurt Vanhee:
Our clients are all in wealth management, that has been our DNA for the last 30 years. But, in wealth management, of course, you have different faces, you have retail banks who are offering a world of different services, you have private banks and independent wealth managers, and then you have the asset managers. These are most of our clients that are also attending our event.
Koen Vanderhoydonk:
Would you see a difference between for example, what’s happening in Europe versus the things that are happening in Canada? I’ve noticed that you are also working with this geographical area.
Kurt Vanhee:
I believe that we have selected a number of target markets with Objectway and Canada was one of them. We have done that because we believe that if you go to Canada or you go to France, the business of wealth management is pretty much the same. You have a little bit a different incarnation of regulations, but the regulator does not reinvent the wheel. So regulations in Canada, regulations in Belgium, regulations in France, it comes all down to the same thing.
Koen Vanderhoydonk:
And in terms of customer base, because also today, there has been some introduction about the transfer of wealth going to the younger generation, is this something similar, like in Canada than it is in Europe?
Kurt Vanhee:
I believe that the transfer of wealth to the younger generation is something that is pretty much underestimated by the business.
Koen Vanderhoydonk:
Well, the figures showed that as well, today.
Kurt Vanhee:
Exactly, exactly. And has been proven by a number of companies that I have spoken with, and in the recent past, that wealth managers are pretty much focused on the people that they are familiar with. But if they go broader in the family, (the children, the spouses), these are less known, but it is really a threat for a wealth manager, that this transfer might mean that they will lose the asset under management.
Koen Vanderhoydonk:
And in your opinion, what would be then the next best action that a wealth manager has to take or has to take, in order to capture this younger generation?
Kurt Vanhee:
I believe that systems have to be designed in a way that they are accessible for more people in the family. So, the one-to-one sessions and wining and dining that has been the classical way of communicating and talking with clients, I think that is not the right approach anymore. And the communication about the assets and the wealth of the family has to be distributed and discussed in another way, compatible also with the way younger people are operating.
Koen Vanderhoydonk:
And earlier, it has been said that the glue to the story could be ESG and sustainability, meaning younger generation may be more triggered by what’s happening around sustainability.
Kurt Vanhee:
Absolutely, absolutely. And they’re also in the business, you have the big discussion there. Is ESG important? Or is the portfolio performance?
Koen Vanderhoydonk:
It’s a provocative thinking. But I was listening to a professor not so long ago, which was around sustainability. And he said, it cannot be that when you put a restriction on a portfolio, that per definition, you have a better result, it should be the other way around. So it needs to be a preference of you deliberately choosing and maybe jeopardizing slightly on the performance, but focusing on ESG.
Kurt Vanhee:
It has to be a combination of the two, you cannot have your wealth managed in an ESG preferable way everything. So, it has to be a combination of risk performance and ESG.
Koen Vanderhoydonk:
Today, we are here in Venice. And this morning, we had the one of the prominent people, a professor from Venice, talking about how to do innovation, and I thought he was particularly inspiring, especially by the words, culture or tradition is a successful way of innovation. What brought you to Venice? Is there a link with what you do today?
Kurt Vanhee:
Yeah, absolutely. And what I remembered from his speech, I only remembered a few words is that tradition was innovation at that time.
Koen Vanderhoydonk:
Yeah, it’s great!
Kurt Vanhee:
So you have to think about tradition is not by definition, bad. Tradition is also innovation. I think what we wanted to the story behind Venice is that we wanted to show that indeed, what was innovative at that time, because if you go into the city, and if you imagine how this city was built so many years ago, without the technique that we have today, so it was really very, very creative, and it was innovation at a time. So, what we want to show is that this innovation can still trigger other innovations.
Koen Vanderhoydonk:
That’s exactly what the professor was actually preaching like, it was a real nice talk.
Kurt Vanhee:
So what I remembered for that day, I was impressed by the statement that indeed tradition was the innovation of yesterday.
Koen Vanderhoydonk:
The last question is: what would you see as the most prominent trends, maybe take taking a look at Benelux wealth management?
Kurt Vanhee:
A final look into the Benelux: I believe that there is a lot of potential there are a lot of discussions ongoing in replatforming. Don’t forget that a lot of banks and wealth managers have been building systems for the last 20 – 30. Maybe some of them 35 – 40 years they have been merging my banks have been merging there have been there has been huge investments in integrating businesses. If I talk to private banks, you see that their architecture is huge legacy. That’s because now it becomes with a big L. Now, after 20 – 30 years, the risk is getting higher because also the people who notice legacy systems will disappear in five, seven, eight years. So, there are a lot of organizations that come to us and explain their problems. And this is a real problem. So, replatforming is a huge opportunity. It’s an opportunity also for them for creating new systems, leveraging also the knowledge that the software and service companies like Objectway have in this matter. And provide also contextual banking, delivering what the client needs at the moment that he needs it.
Koen Vanderhoydonk:
Brilliant. Thank you so much for being in the podcast today. I’m sure we’ll catch up later today. Absolutely. I would say enjoy the rest of your day and thank you so much.
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About Objectway
### Objectway International Customer Conference 2023
[](https://www.objectway.com/owin/owin23/)
**Categories:** #CustomerConference, #Digitalisation, #Owin, #Sustainability, OWIN23, Podcast
---
### [Adapting to the ever-changing tides: Innovation Challenges and Drivers in Private Banking ](https://objectway.com/innovation-challenges-and-drivers-in-private-banking/)
**Published:** May 16, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Gordan Torbica, COO/CRO Hauck Aufhäuser Lampe - Innovation Challenges and Drivers in Private Banking: the case of Hauck Aufhäuser Lampe Privatbank to create a common platform for a unique banking solution.
**Content:**
###### MAY 16, 2023
# Adapting to the ever-changing tides: Innovation Challenges and Drivers in Private Banking
[Gordan Torbica](https://www.linkedin.com/in/gordan-torbica-ba1b62136/)
COO/CRO Hauck Aufhäuser Lampe
[Koen Vanderhoydonk](https://www.linkedin.com/in/koenvanderhoydonk/)
The Connector Founder & CEO
OWIN23
[\#Customerconference](/customer-conference/)[\#OWIN](/owin/)[\#Sustainability](/sustainability/)[\#Digitalisation](/digitalisation/)
[](/podcast-owin-23/#theconnectorpodcastowin23)
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Koen Vanderhoydonk:
Welcome to another episode of the connector podcast and I’m here with today with Gordan at the event from Objectway live from Venice. So Gordan, who are you and who do you represent?
Gordan Torbica:
Hello, thanks for having me. My name is Gordan Torbica, I am Chief Operations Officer and Chief Risk Officer from Hauck Aufhäuser Lampe Private Bank (HAL) and I have been with the bank since 12 years, and I’m happy to be here and to join the Objectway Group.
Koen Vanderhoydonk:
So could you tell us and the audience a little bit more about the bank that you work for? I’ve heard that it’s a private bank. It’s a big one in Germany.
Gordan Torbica:
HAL is a private bank in Germany, it is a very focused bank in Germany, a very popular bank in Germany. Our I would say our focus customers, high net worth individual or ultra-high net worth individual.
Koen Vanderhoydonk:
When you talk about private banking you mean ultra-high net worth. So are these the rich and wealthy clients? Or do you see difference between an ultra-high net worth individual and a high worth customer? Because I think massive fluent, it’s probably not in your region, or maybe it is?
Gordan Torbica:
Massive fluent is not known in our region, but the difference between the high and the ultra-high is that they are more demanding. So, there must be more features in all your products and all your service offering.
Koen Vanderhoydonk:
I’ve been doing a bit of research myself too. And what I found particularly interesting is that over the last couple of years, you’ve done a couple of mergers and acquisitions. So, growth by actually in taking in other private banks. Or you could say from a technical point of view, this sounds like an easy job. But a private bank, it’s all about who you are, the tradition. We heard it today like being proud of being long in the business. So how do you do that cultural part?
Gordan Torbica:
So first of all, I would not admit that the technical part is easy. I will talk tomorrow on the panel how difficult it is to bring together two core banking systems and I will talk about the migration that we had with the last acquisition of Bankhaus Lampe. But of course, you’re right that the other side is hard as well, you need to find a DNA, that fits for for both worlds you put together to DNase mostly and you have to define a new one. You cannot press people in some kind of shapes, you have to let them evolve to develop and things like that. So that’s a pretty high thing. But in my view, we’ve done pretty well by now: our last acquisition has been the one with Sal. Oppenheim in Luxembourg, and the one we’ve done with Bankhaus Lampe in the last two years, and to me, it seems it worked out pretty well.
Koen Vanderhoydonk:
Actually funny, because Sal. Oppenheim used to be my customer Luxembourg a long time ago. It’s a small world? That’s just a statement, and I’ll let you judge whether I’m right or not. But is it maybe because the wealthier customers, they are more high demanding, so at the same time, it’s probably also more easy to adapt them into a new world because it’s all about the customer at the end.
Gordan Torbica:
Of course, you’re right. It’s all about the customer. But there are no two identical private banks and no two identical service offerings. So, you always need to adapt. And, and this is in my view, this is the biggest challenge of all, but when you try hard you can do it and in my view book are pretty fine.
Koen Vanderhoydonk:
And while we talk about differences, so there’s one thing about cultural differences, and maybe I made it sound too easy for systems to integrate. If you look at Europe, like having a single European market. We far from there if we talk about taxes, so how does that work? Because I hear you say a Luxembourg bank versus a German bank. So how do you deal with all these taxes?
Gordan Torbica:
Taxes it’s a real topic let’s say it’s an issue. Because, of course, you’re right that taxation is different in every country. So, you need a good system in the heart, you need a good core banking system that can cover all the requirements. Without that it’s not possible to expand to other countries.
Koen Vanderhoydonk:
You’re a special kind in that sense because you’re both the CEO and the CRO. So an immediate question that came to my mind is, how are you combining the operational mandate versus the risk mandate?
Gordan Torbica:
We’ve heard that today on the panel. So, I would say the regulation and the things around the regulations can be innovation drivers. And in my view, it’s quite normal to have these two jobs combined in one, because we need to cover the regulation and of course we need to innovate. And that’s what we do with it and and things like that. So for me, it’s quite normal.
Koen Vanderhoydonk:
You’re traditionally in Germany, do you think that a German customer per se, is different than any other typical European customer, if you talk about ultra-high worth?
Gordan Torbica:
To be honest I don’t have that much experience outside of Germany. So, I cannot really tell, I can tell that German customers are very demanding. They’re often own a company; they have established a firm and they have gained success. Often, they are market leader, even if you don’t know their names. So these people are very special, and they know exactly what they want.
Koen Vanderhoydonk:
If you talk in your domain, today, we talked a lot about innovation, sustainability, all this stuff. So, what for you will be the drivers of success for the bank that you’re running today?
Gordan Torbica:
The driver for success is of course, one thing that is, I would say the most important is the ability to adapt, you need the ability to adapt, you need the ability to transform, you need to I would say except that constant change is the only winning idea.
Koen Vanderhoydonk:
And is this something that you’ve found today resonating during the event and in the speeches made?
Gordan Torbica:
In my view, yes. They’re talking a lot about future, about innovation and things like that. And they’re talking about trust. And I think that these are the most important topics.
Koen Vanderhoydonk:
And are you guys also heavily focused on sustainability? Is this something that you are triggered by your customers?
Gordan Torbica:
It’s both: we are triggered by our customers and we want to be a sustainable company and we want to offer sustainable products. Because we see that this is inevitable for companies and it’s something that will be quite common in the future.
Koen Vanderhoydonk:
Thank you so much for joining us in this session, Gordon. I hope you have a nice rest of the event. And thank you so much.
Gordan Torbica:
Thanks for having me. Goodbye.
**RELATED POST**
Podcast
### Objectway sustainable vision of the future
[](/podcast-owin23-objectway-sustainable-vision-of-the-future/)
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### From rough to polished: Objectway’s Diamond framework for sparkling Wealth Management
[](https://objectway.com/objectway-diamond-framework-for-wealth-management/)
About Objectway
### Objectway International Customer Conference 2023
[](https://www.objectway.com/owin/owin23/)
**Categories:** #CustomerConference, #Digitalisation, #Owin, #Sustainability, OWIN23, Podcast
---
### [Boosting Operational Excellence and Innovation](https://objectway.com/boosting-operational-excellence-and-innovation/)
**Published:** June 8, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Maarten De Clerck, Head of Product Development KBC Securities Services & Karl De Borger, Head of Sales & Relationship Management KBC Securities Services - KBC Securities Services provides its perspective on the Objectway Platform for improving operational efficiency.
**Content:**
###### JUN 08, 2023
# Boosting Operational Excellence and Innovation
[Koen Vanderhoydonk](https://www.linkedin.com/in/koenvanderhoydonk/)
The Connector Founder & CEO
[Maarten De Clerck](https://www.linkedin.com/in/maartendeclerck/)
Head of Product Development KBC Securities Services
[Karl De Borger](https://www.linkedin.com/in/karldeborger/)
Head of Sales & Relationship Management KBC Securities Services
OWIN23
[\#Customerconference](/customer-conference/)[\#OWIN](/owin/)[\#Sustainability](/sustainability/)[\#Digitalisation](/digitalisation/)
[](/podcast-owin-23/#theconnectorpodcastowin23)
Listen to Other Episodes
Koen Vanderhoydonk:
welcome to another episode of the connector podcast and still streaming from the nice and sunny Venice. And I have to go all the way to Italy to speak to good friends of mine from KBC in Belgium, so I have in front of me, Maarten, and Karl, who are you guys?
Maarten De Clerck:
I’m Maarten De Clerck. I am Head of Product Development at KBC Security Services and I’m joined by my colleague Karl.
Karl De Borger:
Hello, I’m Karl De Borger and I’m in charge of Sales and Relationship Management at KBC Security Services. Let me take this opportunity to explain what KBC Security Services is. In fact, we are a department, within KBC Bank, and it is the Competence Center for all the securities handling and of course, we do that primarily for the entire KBC group for our own private banking, retail banking. corporate banking and CBC Banque. More and more we are acting also as a service provider towards third parties, external financial institutions, banks, wealth managers, brokerage houses, in Western and Central Europe, based on the knowledge that we have in security services. Well, we can also present to the external world. And that’s exactly what we are doing today.
Koen Vanderhoydonk:
Excellent. Is that also one of the reasons why you’re here at this event?
Maarten De Clerck:
Absolutely. Tomorrow one of the themes that is going to be touched will be business re-configuration. So, how do financial institutions look at their operational structure and their business model to boost their results.That’s where we come into the picture very often, because one of our propositions is to insource what other financial institutions outsource, so my story tomorrow is going to be about that.
Koen Vanderhoydonk:
So they if you don’t mind, maybe you could share a little bit about what you’re going to tell tomorrow?
Maarten De Clerck:
Well, it’s a nice story to tell! Six or seven years ago, many banks were looking at our back office for investment processing and we were looking at how make this stuff more efficient and how to maximize the impact that we have for the money that we spend. One of the obvious options would have been outsource.
When we started to list the requirements: what we need and how to be comfortable when we are going to outsource the business. We wanted to make sure that we had a robust platform. We wanted to make sure that the transactions of our clients were safe. This was a must have. Secondly, we have a lot of expertise in-house and we didn’t want to lose that expertise because we knew that when that phone call comes with the angry client, what do you do? Who do you call? We want that expertise close by us we want it on hand so we can solve the problems that are unavoidably going to pop up one time to be solved efficiently quickly with the right expertise.
Then you also want to be a bit more flexible, more flexible enough, I should say, to adapt, because you don’t want to lock in your way of working in such a way that you have no flexibility towards the future because that’s going to drive the customer experience as well. So, you want to make sure that you can still tweak your business a bit. We started looking around and we came to the conclusion that we already had that expertise we have in house, why would we outsource it?
We looked at our platform. It’s actually quite a robust platform and it offers both the brokerage and the custody so there’s no problems of reconciling between the two. It was also conceived to be able to function with multiple entities within our group and as such, also easy to connect outside with some extra tweaking and some web services, APIs. It would be very easy to connect it to the outside world. And then lastly, the customer experience, we are not comfortable enough that we would be able to set up something that was flexible enough for us to keep managing that.
So, rather than going to the outsource route, we started looking at the insourcing route. So, one of the other things that you can do to boost your cost and your effectiveness is scale and, with the good weather, you record the requirements ticked off before. We were fairly confident that we could scaling grow on that platform by taking in additional volume and this gave us more power with our suppliers, meaning that we can make investments on IT side more easily to bring some return. And we started to go in that route and then we started noticing that there was demand for this.
Karl De Borger:
Martin you are fully right because we are not offering only the yardie business process outsourcing towards banks. I’m always proud to say that most of wealth managers in Belgium are KBC Security Services’ clients. And, of course, now that we decided to offer our services to that segment, we also need to continue on improving our services. And one of the things is regarding digital onboarding. For instance, the end clients of wealth managers need to be onboarded. And that’s always a tough thing. And we can’t continue handling that in manual ways. So, we developed with Objectway, a very nice digital onboarding platform. It’s not yet state of the art, but it’s helping a lot. And we already took steps to further improve it. So that is one example where we collaborate with Objectway and why we wanted to be present here at this event in Venice.
Koen Vanderhoydonk:
One thing that struck my mind is what you said, both of you said there’s a lot of in terms of innovation. But there’s also a lot of words that sound like operational excellence. So, which one of the two? Are you guys the specialist in innovation? Or operational excellence?
Maarten De Clerck:
If we do our right, I think we bring both. That’s a good answer. A commercial answer.
Karl De Borger:
No, I fully agree on that point. Absolutely.
Maarten De Clerck:
But I think it would be fair for us to say as well, at the same time, we looked at the analysis that I described from before, but our main strength that came out of that was the operational side, the expertise that we have those hundreds of people that know the investment business inside and out with a network that spans many countries and continents. That was our starting point. And by acknowledging that strength and working with it, you can become innovative, don’t get those two concepts that you mentioned as contradictory at all.
Karl De Borger:
I fully agree on the operational excellence and innovation, I think we want to bring operational excellence to our customers, that it means also that we need to look internally within our organization, also to be excellent in our performances. And those things go hand in hand. And we heard this morning, a lot talking about ecosystem. And I think that is key. You can’t stand on your own and you need to work you need to collaborate, you need to partner with your customers, you can’t call them customers anymore. It’s in fact, a partnership. And that is very obvious here at this conference.
Maarten De Clerck:
And also, sometimes behind the presentation and the buzzwords, it is easy to get lost at how uncomfortable it can get sometimes or you get out of your familiar terrain and you have to be a little bit vulnerable towards your client because you’re actually opening up the way you work to external parties, who will undoubtedly have an opinion about that. But that’s a challenge that you’ll have to be willing to take when doing such partnerships. And you have to take it in stride know that you will face things that you’ll have to work on.
Koen Vanderhoydonk:
Well, we’re almost to the end of this podcast talking about that further ability. So which are the elements for a client to go the other way around? Because you’re convincing them to start outsourcing with you. So which are the main drivers for the companies that you work with in terms of BPO, business process outsourcing?
Maarten De Clerck:
The classic one will be the same that drove us, so costs. You don’t want to get into an adventure that is going to cost you more in the long run. But that’s just not going to make any business sense. Secondly, it’s all about recognizing your strengths. If your strengths are being close to your client, knowing what they need to invest in, what kind of lives they live with their aspirations, or how they see their future in 20 years, how do you see the future of their children: these are the kind of questions that we asked at KBC Security Services, we have no added value on that, but we can support the business. The only person or the only organization that is best placed and entitled are our clients below working with us.
Karl De Borger:
I would like to add that the key message that we give to our customers and potential customers is: do take care of your front office, take care of your commercial activity in private banking and wealth management, we will take care of your back office activities. Don’t be worried about that.
Koen Vanderhoydonk:
Yeah, it’s often mentioned as the core versus the non-core business. Guys, any last comments that you want to bring to the audience? Anything they definitely need to know about KBC securities before we close this podcast?
Karl De Borger:
Well, we are very happy to be here. And we were able to connect already today. We’ll probably do also tomorrow with quite a lot of customers from Belgium being present here. And it’s good to see that there is a very good understanding between Objectway, our customers and ourselves. It’s nice to see that we make a lot of progress in in good partnerships.
Koen Vanderhoydonk:
Well, excellent on that happy notes. I’d like to thank you both for participating to this podcast. And thank you also to the audience for again, tuning in and stay tuned. Thank you so much.
**RELATED POST**
Market Trends
### Sustainable Innovation: Insights & Perspectives from an unparalleled Panel Discussion
[](/sustainable-innovation-insights-and-perspectives-in-wealth-and-asset-management-areas/)
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### From rough to polished: Objectway’s Diamond framework for sparkling Wealth Management
[](/objectway-diamond-framework-for-wealth-management/)
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### Crafting a Roadmap for Successful Innovation and Client Partnership in Financial Services
[](/crafting-a-roadmap-for-successful-innovation-and-client-partnership-in-financial-services/)
**Categories:** #Digitalisation, #Owin, #Sustainability, OWIN23, Podcast
---
### [Artificial Intelligence Objectway at the BEI Workshop on Data and Hyperautomation – Turning technological innovation into practical and sustainable strategies](https://objectway.com/artificial-intelligence-objectway-at-the-bei-workshop-on-data-and-hyperautomation-turning-technological-innovation-into-practical-and-sustainable-strategies/)
**Published:** October 9, 2025
**Author:** Beatrice Scotti
**Excerpt:** Objectway presentation emphasized how a cohesive framework that integrates automation and AI can deliver measurable efficiency and enhance service quality.
**Content:**
###### Oct 08, 2025
# Objectway at the BEI Workshop on Data and Hyperautomation – Turning technological innovation into practical and sustainable strategies
[Miroslav Petrov ](https://www.linkedin.com/in/miroslav-petrov-055a5267/)
Product Director and Investment Compliance expert at Objectway
Artificial Intelligence
- [ENG](#tab-1760002302670-5)
- [FR](#tab-1760002302687-3)
[\#OpenApi](/open-api/)[\#Automation](/automation/)[\#BackOffice](/back-office/)[\#ClientExperience](/clientexperience/)[\#Hyperpersonalisation](/hyper-personalisation/)[\#Scalability](/scalability)
Objectway participated in the Competence Center Workshop held in Wildhaus, Switzerland in September 2025, as part of its partnership with the Business Engineering Institute St. Gallen (BEI). The three-day program gathered representatives from financial institutions, academia and technology companies to examine the future of banking and explore how innovation can be translated into practical and sustainable strategies.
The agenda addressed key topics, including digital transformation and customer engagement, data value creation, bank IT architecture, hyperautomation, AI adoption and distributed ledger frameworks. Presentations combined research insights with applied case studies, while group sessions encouraged participants to translate concepts into actionable outcomes.
Across the discussions, recurring themes emerged: the importance of customer-centric transformation, the strategic role of data as a source of value, the progression of automation beyond RPA toward AI-enabled hyperautomation, and the alignment of technology with business priorities. Together, these perspectives highlighted the interconnected nature of innovation drivers and their role in ensuring competitiveness, scalability, and trust in financial services.
Objectway delivered a Partner Presentation on Hyperautomation, presented by Miroslav Petrov. The contribution emphasized how a cohesive framework that integrates process automation, workflow orchestration, and AI capabilities can deliver measurable efficiency gains while enhancing service quality. The session focused on a practical use case, showing how back-office operations can be streamlined with an account aggregation service that uses Generative AI to process diverse, non-standard client reports, extracting, validating, and consolidating asset data for position keeping and aggregated reporting.
The presentation outlined the challenges encountered and success factors identified in automation initiatives. Integration with legacy systems requires coordination of technologies such as GenAI, APIs, Process automation tools and Data platforms, while addressing compatibility with systems lacking standardized interfaces and well-structured data. Scaling end-to-end automation beyond pilots into core operations requires clear frameworks, with ROI measured not only through cost savings but also agility, compliance, and customer experience. Success further relies on effective skills and change management, supported by collaboration between process experts, data scientists, automation engineers, and business owners.
Objectway’s use case highlighted measurable productivity improvements, enhanced accuracy and consistency across operations and data management, and stronger operational resilience to handle workload peaks while ensuring compliance and scalability for growth. Through this applied perspective, Objectway illustrated how hyperautomation can be leveraged responsibly to support transformation, operational resilience, and long-term competitiveness in the financial sector.
[\#OpenApi](/open-api/)[\#Automation](/automation/)[\#BackOffice](/back-office/)[\#ClientExperience](/clientexperience/)[\#Hyperpersonalisation](/hyper-personalisation/)
Objectway a participé au Competence Center Workshop qui s’est tenu à Wildhaus, en Suisse, en septembre 2025, dans le cadre de son partenariat avec le Business Engineering Institute St. Gallen (BEI). Le programme de trois jours a réuni des représentants d’institutions financières, du monde académique et d’entreprises technologiques afin d’échanger sur l’avenir du secteur bancaire et d’explorer comment l’innovation peut se traduire en stratégies pratiques et durables.
L’ordre du jour a abordé des thématiques clés parmi lesquelles la transformation digitale et l’engagement client, la création de valeur par les données, l’architecture IT bancaire, l’hyperautomatisation, l’adoption de l’intelligence artificielle et les systèmes de registres distribués. Les présentations ont combiné des apports issus de la recherche et des études de cas appliquées, tandis que les sessions en groupe ont encouragé les participants à transformer les concepts en propositions concrètes.
Au fil des discussions, des thèmes récurrents sont apparus: l’importance d’une transformation centrée sur le client, le rôle stratégique des données comme source de valeur, la progression de l’automatisation au-delà de la RPA vers une hyperautomatisation alimentée par l’IA, et l’alignement de la technologie avec les priorités métier. Ces différentes perspectives ont mis en évidence la nature interconnectée des leviers d’innovation et leur rôle essentiel pour garantir compétitivité, évolutivité et confiance dans les services financiers.
Objectway est intervenu avec une présentation partenaire sur l’hyperautomatisation. Cette contribution a mis en avant l’importance d’un cadre cohérent intégrant l’automatisation des processus, l’orchestration des workflows et les capacités de l’IA, afin de générer des gains d’efficacité mesurables tout en améliorant la qualité de service. La session a présenté un cas d’usage concret, illustrant la manière dont les opérations de back-office peuvent être optimisées grâce à un service d’agrégation de comptes utilisant l’IA générative pour traiter des rapports clients divers et non standardisés, en extrayant, validant et agrégeant les données pour le suivi des positions et le reporting consolidé.
La présentation a également détaillé les défis rencontrés et les facteurs de réussite identifiés dans les projets d’automatisation. L’intégration avec les systèmes existants nécessite la coordination de technologies telles que l’IA générative, les API, les outils d’automatisation des processus et les plateformes de données, tout en facilitant la compatibilité avec des systèmes dépourvus d’interfaces standardisées et de données structurées. Le passage des projets pilotes aux activités de production, de bout en bout, exige des cadres clairs, avec un retour sur investissement mesuré non seulement par les économies de coûts, mais aussi par l’agilité, la conformité et l’expérience client. La réussite dépend également d’une gestion efficace des compétences et du changement, soutenue par la collaboration entre experts métiers, data scientists, ingénieurs en automatisation et responsables opérationnels.
Le cas d’usage présenté par Objectway a mis en évidence des gains mesurables de productivité, une amélioration de la précision et de la cohérence dans les processus et la gestion des données, ainsi qu’un renforcement de la capacité d’absorber les pics de charge tout en garantissant conformité et évolutivité. À travers cette approche appliquée, Objectway a démontré comment l’hyperautomatisation peut être exploitée pour accompagner la transformation, renforcer la résilience et assurer la compétitivité à long terme dans le secteur financier.
**RELATED POST**
Digital Innovation
### From Exclusive to Inclusive: The Digital Transformation of Wealth Management
[](https://objectway.com/from-exclusive-to-inclusive-the-digital-transformation-of-wealth-management/)
Artificial Intelligence
### The use of AI and effective Data Management
[](https://objectway.com/pam-digital-report-2024-the-use-of-ai-and-effective-data-management/)
Analyst Research
### Composable, Scalable, Personalized: The new shape of wealth management
[](https://objectway.com/download-research-gartner-composable-scalable-personalized-the-new-shape-of-wealth-management/)
**Categories:** #Api, #Automation, #BackOffice, #ClientExperience, #HyperPersonalisation, #Scalability, Artificial Intelligence, Blog
---
### [36th Private Banking Kongress17th - 18th September 2025](https://objectway.com/36th-private-banking-kongress17th-18th-september-2025/)
**Published:** September 2, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will take part to the Private Banking Kongress, contributing to high-level conversations during roundtable sessions and throughout the congress.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Join Objectway at the Private Banking Kongress in Hamburg
17th – 18th September 2025 – Objectway is looking forward to taking part to upcoming Private Banking Kongress in Hamburg, bringing on stage its growth-oriented business model and commitment to excellence.
## Agenda
17th – 18th September 2025
8:00 – 15:00 CEST
Private Banking Kongress
Karl im Brahm, CEO DACH Region, Objectway
Helena Mayer, Senior Key Account Manager, Objectway
The **Private Banking Kongress** is Germany’s premier wealth management forum, bringing together key decision-makers and thought leaders from across the financial services industry. Held in Hamburg over two days, the event offers an exclusive platform not only for knowledge-sharing but also for meaningful networking — driven by insightful discussions, strategic analysis, and the open dialogue that defines the Kongress experience.
Objectway will be represented on site by **Karl im Brahm, CEO DACH Region**, and **Helena Mayer, Senior Key Account Manager**, who will be on hand to engage in high-level conversations during roundtable sessions and beyond.
We invite you to connect with our team, exchange insights, and explore how we can shape the future of wealth management and financial technology — together.
Complete now the registration at the following link:
## Event Information
17th – 18th September 2025, Cruise Center Altona
Van-der-Smissen-Straße 5, 22767 Hamburg
The networking event on 17th September will begin at 18:30 CEST.
We’re looking forward to meeting you in Hamburg!
## Speakers
Karl im Brahm
Karl leads the German-speaking Private Banking and Wealth Management Markets as Objectway CEO DACH Region and Banking Practice Leader. He brings more than 28 years of experience in the Banking Sector, with with a deep-rooted experience in delivering digital transformation projects and supervising Client Management and Business Development teamworks. He has gained a Business Degree from University of Bonn in 1993.
Helena Mayer
Helena works as a Senior Key Account Manager at Objectway. Her more than 20 years of experience in banking and BPO services enables her to maintain and expand customer relationships.Her professional career spans 19 years in various departments at HSBC. This allows her to use her banking expertise to offer Objectway’s customers tailor-made IT solutions.
## Related
[All](#)[\#digital-change](#)[\#digital-transformation](#)[\#wealth-management](#)[\#wealthtech](#)
[„Deutschland ist noch etwas altmodisch unterwegs“](https://objectway.com/abn-amro-und-hauck-aufhauser-lampe-fusionieren-zur-drittgrosten-privatbank-deutschlands/)[Article](https://objectway.com/category/article-genitore/article-glo/)### „Deutschland ist noch etwas altmodisch unterwegs“
4 August 2026
[Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen](https://objectway.com/skalierungslucke-warum-ki-investitionen-an-der-kundenschnittstelle-verpuffen/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen
4 August 2026
[OWIN26: as-a-service e AI per trasformare la complessità in efficienza](https://objectway.com/owin26-as-a-service-e-ai-per-trasformare-la-complessita-in-efficienza/)[Article](https://objectway.com/category/article-genitore/article-glo/)### OWIN26: as-a-service e AI per trasformare la complessità in efficienza
8 July 2026
## Sign Up for our Newsletter
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Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Event
**Tags:** #digitaltransformation, #investmentmanagers, #oneobjectway, #wealth-management
---
### [Wie Banken Milliardenverluste bei der Kernbankmigration vermeiden](https://objectway.com/wie-banken-milliardenverluste-bei-der-kernbankmigration-vermeiden/)
**Published:** October 2, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Finanzinstitute müssen ihre veralteten Kernbankensysteme modernisieren, um Prozesse zu automatisieren, regulatorische Vorgaben zuverlässig zu erfüllen, Risiken zu minimieren und schneller neue Produkte auf den Markt bringen zu können.
**Content:**
[](/news/)
View all News
# Wie Banken Milliardenverluste bei der Kernbankmigration vermeiden
2\. Oktober 2025 – Finanzinstitute müssen ihre veralteten Kernbankensysteme modernisieren, um Prozesse zu automatisieren, regulatorische Vorgaben zuverlässig zu erfüllen, Risiken zu minimieren und schneller neue Produkte auf den Markt bringen zu können. Doch rund 80 Prozent aller Migrationsprojekte scheitern – meist an unvollständigen oder fehlerhaften Daten.
Das Kernbankensystem ist das Herzstück einer Bank – es steuert sämtliche Prozesse von der Kontoführung über Zahlungsverkehr bis hin zu Kreditvergabe und Reporting. Während viele Institute ihre Kundenschnittstellen bereits modernisiert haben, laufen die Kernsysteme oft noch auf veralteten Plattformen. Um effizienter zu werden und regulatorische Anforderungen wie DORA und BCBS 239 erfüllen zu können, müssen Banken ihre Kernsysteme auf moderne, modulare Plattformen migrieren. Dabei stoßen sie jedoch auf eine Vielzahl an Herausforderungen: komplexe Altsysteme, historische Daten in unterschiedlichen Formaten und Qualität sowie fehlende interne Kapazitäten. Das macht die Migration zu einem risikobehafteten Prozess. Kein Wunder also, dass rund 80 Prozent aller Migrationsprojekte scheitern.
Die größte Hürde ist dabei nicht etwa das Budget oder die Technologie – sondern die Datenqualität. Fehlerhafte Migrationen können für große Institute schnell zu zweistelligen Millionenverlusten führen. Gleichzeitig geraten auch kleine und mittelständische Banken unter Druck. Diese Finanzinstitute stehen vor der Herausforderung, trotz knapper Budgets und begrenzter IT-Kapazitäten umfangreiche Migrationsprojekte umzusetzen. Wer frühzeitig auf Datenqualität, umfassende Tests und ein modulares Vorgehen setzt, kann Projekte im Budget halten und Risiken minimieren. Objectway hat für diesen Zweck ein Migrationsframework entwickelt, das speziell auf die Bedürfnisse mittelgroßer Institute zugeschnitten ist. Es kombiniert strukturierte Datenprüfung, agile Projektsteuerung und eine schrittweise Migration über klar definierte Funktionsbereiche wie Zahlungsverkehr oder Kundendatenmanagement. Welche zentralen Unterschiede es bei der Kernbankmigration zwischen kleineren und großen Instituten gibt – und wie Banken mittels Dual Run, MVP und modularen Migrationsframeworks diese Herausforderungen meistern können, erläutert der Experte.
Diese Strategien machen Daten startklar für Projekte
Ein Großteil der Fehlschläge bei der Kernbankmigration lässt sich auf fehlerhafte, unvollständige oder widersprüchliche Daten zurückführen. Große Banken müssen historisch gewachsene IT-Landschaften über Ländergrenzen hinweg harmonisieren. Kleinere Institute haben zwar weniger Systeme, aber ihnen fehlen oft Zeit und Personal für eine gründliche Datenbereinigung. Erfolgreiche Projekte behandeln Datenmigration deshalb als eigenständiges Teilprojekt – mit klaren Verantwortlichkeiten, ausreichendem Budget und einer frühzeitigen Planung. Automatisierte Prüfroutinen, wiederholte Testmigrationen und einheitliche Datenformate sind dafür unverzichtbar. In Abhängigkeit von der Größe des Unternehmens ist zu raten: Während Großbanken von zentraler Data Governance und Automatisierung profitieren, empfiehlt Objectway für kleinere Institute einen sogenannten MVP-Ansatz, bei dem zunächst die Kernfunktionalitäten implementiert werden, um schnelle erste Ergebnisse zu erzielen und die Komplexität zu reduzieren.
Verzögerungen können zu Millionenverlusten führen
Neben Datenqualität ist Zeit der kritischste Erfolgsfaktor. Für Großbanken können Verzögerungen blockierte Ressourcen, verzögerte Produkteinführungen und eine geschwächte Wettbewerbsfähigkeit bedeuten – mit Folgekosten im mittleren zweistelligen Millionenbereich. Ein bewährtes Instrument für diese Institute ist der „Dual Run“, bei dem das alte und das neue System parallel betrieben werden, um Risiken zu minimieren und den Übergang kontrolliert zu gestalten. Für kleinere und mittelgroße Banken hingegen empfiehlt sich ein schrittweises Vorgehen mit festen Meilensteinen und strenger Qualitätskontrolle in jeder Phase. Standardisierte Migrationspakete und automatisierte Tests helfen dabei, Fehlerquellen zu reduzieren und Budgets im Rahmen zu halten. Um den Migrationsaufwand langfristig zu reduzieren und Risiken zusätzlich zu minimieren, weist der Experte darauf hin, dass Banken auch auf SaaS- und BPaaS-Modelle setzen können. Dabei handelt es sich um cloudbasierte Software- und Geschäftsprozesslösungen, die IT-Betrieb und Infrastruktur auslagern. So können Banken Skalierbarkeit und Resilienz erhöhen und zugleich flexible Kostenstrukturen realisieren.
Regulatorischer Druck und Marktfragmentierung erschweren die Migration in Deutschland
Auch die sich ständig wandelnden regulatorische Anforderungen wie DORA, BCBS 239 oder die DSGVO verschärfen die Lage. Fehlerhafte Migrationen gefährden nicht nur den Geschäftsbetrieb, sondern ziehen auch aufsichtsrechtliche Konsequenzen nach sich. Die stark fragmentierte deutsche Bankenlandschaft verschärft die Situation zusätzlich. Viele kleinere Institute arbeiten noch mit Kernbanksystemen, die weder modular noch skalierbar sind. Objectway begegnet dem mit einem modularen Migrationsframework: Zunächst werden ausgewählte Kernfunktionen wie Zahlungsverkehr oder Kundenstammdaten migriert; weitere Module folgen, sobald die ersten stabil laufen. Vorintegrierte Module für regulatorische Anforderungen und automatisierte Tests gewährleisten eine sichere, kosteneffiziente Umsetzung – oft mit Budgets im einstelligen Millionenbereich.
Migration ist kein IT-Projekt – sondern eine Führungsaufgabe
Erfolgreiche Migrationen hängen weitgehend von der Unternehmenskultur ab. Oft fehlen klare Zuständigkeiten und die Abstimmung zwischen Fachbereichen und IT – das Projekt wird nicht strategisch verankert. Gerade kleinere Banken mit schlanken Strukturen tun sich hier schwer. Objectway setzt deshalb auf einen methodischen Rahmen mit klar definierten Rollen, agilen Steuerungsmodellen und einer engen Verzahnung von Business und IT. Es ist entscheidend, für ein so umfassendes Migrationsprojekt einen Partner zu wählen, der die spezifischen Herausforderungen versteht, Risiken antizipiert und sie in Wettbewerbsvorteile verwandelt.
In Abhängigkeit von der Größe des Unternehmens ist zu raten: Während Großbanken von zentraler Data Governance und Automatisierung profitieren, empfiehlt Objectway für kleinere Institute einen sogenannten MVP-Ansatz, bei dem zunächst die Kernfunktionalitäten implementiert werden, um schnelle erste Ergebnisse zu erzielen und die Komplexität zu reduzieren.
[](https://www.linkedin.com/in/karl-im-brahm/)### Karl im Brahm
CEO DACH Region, Objectway
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
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4 September 2026
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### [Cloud-Transformation mit Bedacht planen](https://objectway.com/cloud-transformation-mit-bedacht-planen/)
**Published:** October 1, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Die Cloud-Transformation ist längst keine reine IT-Angelegenheit mehr, sondern ein zentraler Bestandteil der Geschäftsstrategie.
**Content:**
[](/news/)
View all News
# Cloud-Transformation mit Bedacht planen
1\. Oktober 2025 – Die Digitalisierung des Finanzsektors schreitet rasant voran – getrieben durch regulatorische Anforderungen, steigende Kundenerwartungen und den technologischen Wandel. In diesem Zusammenhang stehen viele Banken und Vermögensverwalter vor einer zentralen Frage: direkt in die SaaS-Welt einsteigen oder zunächst mit PaaS die technologische Basis stabilisieren?
Die Cloud-Transformation ist längst keine reine IT-Angelegenheit mehr, sondern ein zentraler Bestandteil der Geschäftsstrategie.
Während junge Fintechs und Herausfordererbanken bereits vollständig auf Software-as-a-Service-Modelle (SaaS) setzen, sehen sich etablierte Finanzinstitute häufig mit komplexeren Herausforderungen konfrontiert: Über Jahrzehnte gewachsene Systeminfrastrukturen, hohe Altlasten und komplexe interne Compliance-Regeln machen eine vollständige SaaS-Migration kurzfristig oft schwer umsetzbar oder risikobehaftet.
In solchen Fällen hat sich eine schrittweise Migrationsstrategie bewährt: Der erste Schritt besteht im Wechsel zu einer Platform-as-a-Service-Lösung (PaaS), bei der das Plattform-Management extern erfolgt. Die Anwendungen verbleiben zunächst in interner Verantwortung. Dadurch entsteht die technologische Grundlage, auf der im zweiten Schritt eine vollständige SaaS-Migration folgen kann – durch Auslagerung von Anwendungsbetrieb, Management und Updates.
Die Migration beginnt aus Sicht des Kunden
Cloud-Migration darf nicht nur technisch gedacht werden – sie beginnt aus Sicht des Kunden. Gerade im Private Banking und Wealth Management müssen Finanzinstitute, um den steigenden Erwartungen der Investoren gerecht zu werden, digitale Anwendungen anbieten, die nahtlos, reaktionsschnell und individualisierbar sind. Dafür reicht ein modernes Frontend allein nicht aus – notwendig ist eine tiefe Integration mit Middleware und Backend-Systemen. Technologie, Datenmanagement, Sicherheit und Kundenerlebnis sind als Bestandteile einer ganzheitlichen Transformation zu verstehen. Das Ziel ist klar: eine durchgängige, in Echtzeit verfügbare Datenlage über alle Systemschichten hinweg – für ein wirklich nahtloses Erlebnis, robuste Performance und Skalierbarkeit.
Mit dem Inkrafttreten des Digital Operational Resilience Act (DORA) der EU im Januar 2025 sind die Anforderungen an die digitale Resilienz im Finanzsektor deutlich gestiegen. Was zunächst wie ein regulatorisches Hindernis wirkt, eröffnet strategische Chancen: DORA zwingt Banken dazu, ihre IT-Architekturen auf Resilienz, Transparenz und Nachvollziehbarkeit auszurichten. Modulare Betriebsmodelle mit konfigurierbaren Komponenten sind nicht mehr nur attraktiv – sie werden zunehmend unerlässlich.
Der Wandel ist längst nicht mehr nur risikogetrieben, sondern zielt auf den Aufbau skalierbarer, zukunftsfähiger Systeme. Sowohl PaaS als auch SaaS spielen hierbei eine Schlüsselrolle. Aber selbst die beste Plattform ist wertlos, wenn das Betriebsmodell nicht mitzieht. Es braucht agile Teams, zukunftsorientiertes Denken und eine Kultur, die Veränderung zulässt. Dabei gibt es kein Patentrezept – Strategien wie “Lift and Shift”, “Reduce and Externalize” oder “Lift and Optimize” helfen dabei, je nach Ausgangssituation das passende Migrationsmodell zu wählen. Denn der schnellste Weg ist nicht immer der resilienteste.
Modulare Architekturen müssen konsequent eingesetzt werden
Ein weiterer Schlüsselfaktor für erfolgreiche digitale Transformationsprojekte ist der konsequente Einsatz modularer Architekturen. Gerade für größere Institute mit komplexen IT-Landschaften bietet ein Composable-Architecture-Ansatz die notwendige Flexibilität, bestehende Systeme schrittweise und ohne funktionale Unterbrechungen oder Parallelstrukturen zu modernisieren.
Solche Architekturen ermöglichen es, neue Komponenten wie Kundenportale, Reporting-Funktionen oder Drittanbieterschnittstellen schnell und reibungslos zu integrieren. Anstelle monolithischer Redesigns entsteht so ein Umfeld, in dem einzelne Module unabhängig entwickelt, ersetzt oder skaliert werden können. Das reduziert nicht nur Implementierungsrisiken, sondern unterstützt auch eine agile Betriebsorganisation.
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
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### [Tech Drinks: l’Aperitivo tra tecnologia e networking25 Settembre 2025](https://objectway.com/tech-drinks-laperitivo-tra-tecnologia-e-networking25-settembre-2025/)
**Published:** September 18, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** TechDrinks è il format di SheTech che unisce ispirazione e networking: ti aspettiamo a Milano per incontrare le professioniste Objectway e condividere le loro esperienze professionali.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Tech Drinks: l’Aperitivo tra tecnologia e networking
25 Settembre 2025 – SheTech, la Community formate da professioniste, curiose e appassionate del mondo tech e digital ti aspetta a Milano, presso l’headquarter Objectway per parlare di tecnologia e obiettivi futuri.
## Agenda
Giovedì 25 Settembre 2025
18:30 – 20:30 CEST
Tech Drinks: l’Aperitivo tra tecnologia e networking
Maria Federica Marciano, Chief People & Marketing Officer, Objectway
Laura Faverzani, Managing Director Digital Client Management and CEO Canada, Objectway
Adriana Sini, BPO Service Operation Director, Objectway
TechDrinks è il format di SheTech che unisce ispirazione e networking!
L’appuntamento del 25 settembre a Milano vedrà il team Objectway dare spazio a tre potagoniste d’eccezione: **Maria Federica Marciano, Chief People & Marketing Officer,** **Laura Faverzani, Managing Director Digital Client Management and CEO Canada** e **Adriana Sini, BPO Service Operation Director,** siederanno al tavolo delle interviste per condividere il loro percorso professionale, le sfide affrontate e gli obiettivi raggiunti, offrendo preziosi consigli per chi aspira a intraprendere una carriera nel tech e nel management.
Al termine dell’intervista, il team Objectway e SheTech ti aspettano per un aperitivo di networking. I posti sono limitati, riserva subito il tuo accedendo al link seguente:
## Informazioni Utili
Giovedì 25 Settembre 2025, Objectway, Via Giovanni Da Procida, 24, Milano
Non vediamo l’ora di incontrarti a Milano!
## Speakers
Maria Federica Marciano
Maria Federica è Chief People and Marketing Officer e guida la funzione People & Organization e Marketing del gruppo Objectway. Con circa 10 anni di esperienza nel settore FinTech con un focus su marketing strategico, comunicazione B2B e sviluppo organizzativo, ha guidato progetti complessi, sia interni che rivolti al mercato, contribuendo in modo significativo all’evoluzione del branding, dei modelli di comunicazione e all’ottimizzazione dell’organizzazione aziendale, raggiungendo risultati rilevanti in termini di posizionamento del gruppo. Laureata in Economia e specializzata in Marketing B2B e comunicazione strategica, prima del suo ingresso in Objectway, ha iniziato la sua carriera in consulenza nel settore dei servizi finanziari.
Laura Faverzani
Laura è Managing Director della soluzione di Digital Client Management di Objectway e CEO di Objectway Financial Solution in Canada, con la responsabilità di guidare l’integrazione della piattaforma con nuove funzionalità e di svilupparne il posizionamento strategico nel mercato nordamericano, assicurando coerenza strategica, eccellenza operativa e massima soddisfazione del cliente. Con oltre 30 anni di esperienza nel settore FinTech, ha maturato una profonda competenza nella trasformazione digitale, guidando team multidisciplinari e progetti complessi per l’adozione di soluzioni innovative in grado di ottimizzare l’esperienza cliente e i processi operativi. Ha iniziato la sua carriera in Objectway, ricoprendo nel tempo ruoli in ambito marketing, prodotto e delivery, grazie ai quali ha sviluppato una leadership operativa trasversale, con una visione completa della catena del valore e dei processi aziendali, fondamentali per il successo del Gruppo.
Adriana Sini
Adriana è BPO Service Operation Director in Objectway, dove guida le attività di outsourcing dei servizi amministrativi per clienti italiani e internazionali che operano nel settore degli investimenti.Con oltre trent’anni di esperienza nel mondo finanziario e bancario, ha sviluppato una solida competenza in ambito Organizzazione, IT e Operations. Laureata in Ingegneria Elettronica al Politecnico di Torino, ha iniziato la sua carriera nella divisione Finanza di Accenture, per poi ricoprire ruoli di senior management in importanti istituzioni finanziarie e banche private. Prima del suo ingresso in Objectway, ha gestito progetti strategici legati a fusioni, acquisizioni, e alla creazione di nuove realtà bancarie e di asset management.
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4 August 2026
[Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen](https://objectway.com/skalierungslucke-warum-ki-investitionen-an-der-kundenschnittstelle-verpuffen/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen
4 August 2026
[OWIN26: as-a-service e AI per trasformare la complessità in efficienza](https://objectway.com/owin26-as-a-service-e-ai-per-trasformare-la-complessita-in-efficienza/)[Article](https://objectway.com/category/article-genitore/article-glo/)### OWIN26: as-a-service e AI per trasformare la complessità in efficienza
8 July 2026
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### [BEI St. Gallen Workshop17th – 19th September 2025](https://objectway.com/bei-st-gallen-workshop17th-19th-september-2025/)
**Published:** September 8, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** The Business Engineering Institute (BEI) St. Gallen AG is pleased to welcome you to a new session in its ongoing workshop series.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# BEI St. Gallen Workshop
17th – 19th September 2025 – Objectway partners with BEI St. Gallen for the Fall Edition of its Workshop, bringing together keynote speakers and professionals to deliver inspiring discussions.
## Agenda
17th – 19th September 2025
BEI St. Gallen Workshop
Sebastian Held, Product Manager, Objectway
Miroslav Petrov, Product Director, Objectway
**The Business Engineering Institute (BEI) St. Gallen AG** is pleased to welcome you to a new session in its ongoing workshop series — a valuable opportunity for students and recent graduates to engage directly with industry professionals and take part in in-depth discussions on key market trends.
**Sebastian Held, Product Manager at Objectway,** will join the event to present the benefits of hyperautomation in back-office operations, sharing insights on how this technology can drive efficiency, reduce operational risk, and enhance scalability in financial services.
On Conference Day-2, our **Miroslav Petrov, Objectway’s Product Director**, will dive into a real-world use case showcasing how hyperautomation is transforming back-office operations in the fintech industry. The session will include a live demo, exploring how technologies such as AI and automation tools can streamline processes and reduce manual effort, boosting operational efficiency at scale.
Please do not hesitate to contact us at **** and we will be happy to provide you with any information you need to attend the event.
## Event Information
17th – 19th September 2025, Wildhaus
We’re looking forward to meeting you in Wildhaus!
## Speakers
Sebastian Held
Sebastian is a seasoned Product Leader for the Core Banking Solution OBS at Objectway. He’s responsible for guiding the product’s future development with a keen focus on market and regulatory driven innovations. With over 16 years of experience at Objectway, Sebastian has held various positions and has been instrumental in managing numerous projects. His extensive background includes defining requirements, and designing and implementing solutions.
Miroslav Petrov
Miroslav is a Product Director and Investment Compliance expert at Objectway. He has 20 years of experience in designing and delivering IT solutions for Investment Managers and Asset Servicers across France, EMEA and North America. Prior to joining Objectway he was Head of Innovation and co-founder of a RegTech company providing end-to-end automation of Fund compliance processes. Miroslav holds a Master degree in Business Informatics from Paris Dauphine University.
## Related
[All](#)[\#financial-planning](#)[\#financialservices](#)[\#oneobjectway](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
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**Categories:** Event
**Tags:** #customerexperience, #financialinstitutions, #financialservices, #privatebanking, #technology
---
### [Hyper Personalisation in wealth management](https://objectway.com/hyper-personalisation-in-wealth-management/)
**Published:** April 22, 2021
**Author:** Silvia Boccuzzi
**Content:**
###### APR 22, 2021
# Hyper Personalisation in wealth management
[Alberto Cuccu](https://www.linkedin.com/in/alberto-cuccu-21a401/)
CEO of Objectway Ltd
Augmented Intelligence
[\#Hyperpersonalisation](/hyper-personalisation/)[\#DigitalAdvisory](/digital-advisory/)[\#ClientExperience](/clientexperience/)
Audio Transcript
Hyper personalisation is the ability of a service to provide real-time customization of offerings, content and client experience at an individual level.
You have probably experienced it using a BigTech service provider like Amazon, Netflix or Spotify: when a new film or tv series aa song or an artist is proposed to you that best match your preferences according to your client experience and profile.
Can hyper personalisation be adopted also in wealth & investment management? Of course, it can, and I believe you should!
if you want to meet client expectations & capture future growth segments.
In order to be able to hyper personalise your client experience, you must be able to capture across the complete client journey at all different touch points personal information about the client that you should be able to use to real time personalise your offering and communication to the client.
You might ask your self, isn’t it what a good private banker, advisor, investment manager should already be doing with his clients since decades?
Yes it is! but the times they are a-changing , and we are living in a digital post-pandemic world. Investors expect portals, Apps, Advisor to be empowered by digital tools smart algorithms to personalise their wealth management experience and understand them, even before to become a client! In what we can call the pre-client experience.
The Client becomes the center of what we call, hyper-personalisation loop, that starts when the client first approaches the wealth management firm and continues for the whole duration of the relationship.
Across this journey there are several touchpoints where the client characteristics, preferences and family circumstances are captured incrementally and used to provide personalised content, education, proposals, reports. This touches several areas of the wealth management liecycle like be-spoke risk profiling assisted by behavioral science, AI supported product recommendations, presenting dynamic educational or promotional content in portal and apps based on customer analytics and more others that we will address, in more details, in the next podcasts.
**RELATED POST**
Podcast
### From one-fits-all to client centric: how wealth managers are shifting to stay relevant
[](/the-shift-to-a-client-centric-model-in-wealth-management/)
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### Is hyper personalisation achievable in the advisory wealth management?
[](/is-hyper-personalisation-achievable-in-the-advisory-wealth-management/)
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### Hyper personalisation in the context of investor risk profiling
[](/hyper-personalisation-in-the-context-of-investor-risk-profiling/)
**Categories:** #ClientExperience, #DigitalAdvisory, #HyperPersonalisation, Podcast
---
### [Objectway beschleunigt Wachstumskurs](https://objectway.com/objectway-beschleunigt-wachstumskurs/)
**Published:** September 9, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Der Gründer des Unternehmens Objectway, Luigi Marciano, hat eine Vereinbarung mit der internationalen Private-Equity-Gesellschaft Cinven bekannt gegeben.
**Content:**
[](/news/)
View all News
# Objectway beschleunigt Wachstumskurs
9\. September 2025 – Luigi Marciano, Gründer von Objectway, einem Anbieter von Software und Dienstleistungen für Finanzinstitute in Europa, Nordamerika und dem Nahen Osten, gab gemeinsam mit dem Managementteam von Objectway und der internationalen Private-Equity-Gesellschaft Cinven eine Vereinbarung bekannt. Cinven wird demnach eine Mehrheitsbeteiligung an Objectway erwerben.
Luigi Marciano bleibt wesentlicher Anteilseigner und wird seine Funktion als CEO und Vorsitzender weiterhin ausüben. Er und sein bestehendes Managementteam werden das Unternehmen weiterhin leiten. Cinven wird strategische und finanzielle Unterstützung bieten, welche mitunter weitere Investitionen in technologische Innovationen sowie Hilfe beim künftigen organischen Wachstum und bei gezielten M&A-Möglichkeiten umfassen wird.
Der Vermögensverwaltungssektor wächst weiterhin stetig, und die Nachfrage nach modernen Technologielösungen von etablierten Anbietern nimmt zu. Aktuelle Branchentrends zeigen, dass es notwendig ist, von fragmentierten Altsystemen auf integrierte End-to-End-Lösungen umzustellen, die Effizienz in den Front-to-Back-Office-Prozessen schaffen und eine konsistente Betreuung der Kundenüber die gesamte Wertschöpfungskette, in allen Regionen und über alle Anlegersegmente hinweg ermöglichen.
Die Partnerschaft mit Cinven markiert ein spannendes neues Kapitel für Objectway. Die Investition ist eine starke Bestätigung unseres Geschäftsmodells, unseres Führungsteams und unseres langfristigen Wachstumsplans. Gemeinsam sind wir bestens aufgestellt, um unsere Expansion zu beschleunigen, unsere Marktposition weiter zu stärken und die Weiterentwicklung unserer Plattform voranzutreiben. So können wir weiterhin herausragenden Mehrwert für unsere Kunden und den Markt schaffen.
[](https://www.linkedin.com/in/luigi-marciano-66b9538/)### Luigi Marciano
CEO, Chair and founder of Objectway
Wir sind überzeugt, dass Cinven der ideale Partner ist, um Luigi Marciano und das gesamte Managementteam bei der Verwirklichung ihrer ehrgeizigen Wachstumsziele zu unterstützen. Cinven verfügt über umfangreiche Erfahrung in den Bereichen Finanzdienstleistungen und Technologie und kann auf eine lange Erfolgsgeschichte bei der Zusammenarbeit mit herausragenden Managementteams zurückblicken, um durch Investitionen in Wachstum, einschließlich technologiegetriebener Innovationen und Buy-and-Build-Strategien, marktführende Unternehmen aufzubauen. Wir freuen uns sehr, einen so starken Gründer und ein so starkes Managementteam dabei zu unterstützen, Objectway als klaren Marktführer in seiner Kategorie weiter auszubauen, und freuen uns auf die Zusammenarbeit, um das Wachstum zu beschleunigen, die Fähigkeiten zu erweitern und die globale Expansion voranzutreiben.
[](https://www.linkedin.com/in/luigi-sbrozzi/)### Luigi Sbrozzi
Partner and Co-Head of the Strategic Funds at Cinven
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
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**Categories:** Article
**Tags:** #artificialintelligence, #efficiency, #financialservices, #operationalefficiency, #privatebanking
---
### [ESG: a passing fad or here for the long run?](https://objectway.com/esg-a-passing-fad-or-here-for-the-long-run/)
**Published:** March 25, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** ESG is a hot topic at the moment, but is it here for the long run likely to be a passing fad?
**Content:**
###### MAR 25, 2021
# ESG: a passing fad or here for the long run?
Tariq Khan
Director of Business Development, Objectway
Performance & Risk
[\#Sustainability](/sustainability/)[\#Esg](/esg/)[\#Portfoliomanagement](/portfolio-management-h/)[\#PortfolioOptimisation](/portfolio-optimisation/)[\#ClientExperience](/clientexperience/)
Audio Transcript
ESG is a hot topic at the moment, but is it here for the long run likely to be a passing fad? Let’s look at what is driving ESG: in first place is client demand. The majority of clients would prefer ESG products and indeed more than 60% of clients, regardless of age or wealth, would consider choosing an investment firm based on its ESG offering. That’s a big number.
There is certainly a shift in the way that clients want to do good while doing well, and firms will have to take notice. ESG driven assets continue to attract interest and have now reached over $40 trillion globally. This attraction has accelerated during the pandemic. Indeed, year to date, ESG related investments have outperformed their counterparts and the numbers look even more impressive over the past five years.
So, the alpha is being realized. A minority in the market are worried that the popularity of ESG investments bear the hallmarks of a stock market bubble, filled by liquidity and flows and underpinned by subjective data, which is not standardized. Some predict this bubble will burst in the coming years.
True, there needs to be an improvement in the quality of data around ESG, but overall, I’m dubious about this point of view, but only time will tell. What I am sure about is the clients of today are expecting to see a rich ESG offering from their investment managers firms whose offerings are delivered in a way that engages the clients best will be the winners in the short term and probably for the long run too.
**RELATED POST**
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### ESG in 2021, where are we?
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[](https://objectway.com/top-drivers-and-challenges-in-esg-adoption/)
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[](https://objectway.com/the-impact-of-esg-on-the-structured-product-markets/)
**Categories:** #ClientExperience, #Esg, #PortfolioManagement, #PortfolioOptimisation, #Sustainability, Podcast
---
### [SMA, il modello integrato che unisce consulenza evoluta e gestione](https://objectway.com/sma-il-modello-integrato-che-unisce-consulenza-evoluta-e-gestione/)
**Published:** September 2, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Gli SMA si propongono come una possibile risposta alla crescente domanda di personalizzazione, trasparenza e servizi a valore.
**Content:**
[](/news/)
View all News
# SMA, il modello integrato che unisce consulenza evoluta e gestione
2 Settembre 2025 – Gli SMA si propongono come una possibile risposta alla crescente domanda di personalizzazione, trasparenza e servizi a valore. In un contesto segnato dalla crescita delle gestioni passive e da nuove sfide regolatorie, possono rappresentare una soluzione scalabile e sostenibile? Ne hanno discusso esperti e operatori del settore durante l’evento promosso da Objectway.
Oggi, gli SMA stanno trovando una collocazione all’interno delle gestioni patrimoniali e della consulenza evoluta, grazie a un cambiamento culturale che coinvolge tutti gli attori della filiera: case di gestione, clienti, partner tecnologici e regolatore.
Si tratta di un modello che può rappresentare una risposta strategica alla crescita delle **gestioni passive**, come gli **ETF**, che pur conquistando quote di mercato non garantiscono maggiore **redditività** per gli operatori e pongono **sfide crescenti** al mondo della **gestione attiva**. Se ne è parlato in una tavola rotonda dedicata durante l’evento “**Separately Managed Account, la Via verso Gestione Evoluta, Consulenza e Valore?**” organizzato da **Objectway**, player paneuropeo fornitore di soluzioni **as-a-service** per **Wealth, Banking & Asset Management**. Ne parliamo con **Max Renzulli**, Market Solution Director di Objectway.
SMA: non un prodotto, ma un modello di servizio
“Il vero punto di svolta – esordisce Renzulli – è che gli **SMA** non sono definibili come un semplice contenitore di titoli, ma come un **framework** che evolve nel tempo”.
L’affermazione riflette una consapevolezza crescente nel settore: i **Separately Managed Accounts** sono oggi un **modello di servizio** che combina l’efficienza del **gestito** con la **flessibilità della consulenza**. Una formula ibrida che risponde all’esigenza di costruire **portafogli aderenti agli obiettivi specifici del cliente**, senza rinunciare a **personalizzazione, trasparenza, controllo e coerenza strategica**.
Come emerso dal confronto tra gli operatori del settore, **Mauro Panebianco**, partner e responsabile per l’Italia e l’Emea Am e Wm di **Pwc Italia**, **Lorenzo Palleroni**, Amministratore Delegato e Direttore Generale di **Vontobel Wealth Management SIM** e **Gianmarco Zanetti** Direttore Generale di **Euromobiliare Advisory SIM**, l’SMA non è più solo una proposta per gli **high-net-worth individual**, ma un’opportunità **scalabile** per una clientela più ampia, a patto che si riesca a coniugare **personalizzazione del servizio** e **industrializzazione dei processi**.
Il contesto italiano: tra regolamentazione, fiscalità e cambiamento culturale
Se negli **Stati Uniti** gli **SMA** sono ormai **standard di mercato**, in **Italia** il loro sviluppo è stato rallentato da ostacoli **normativi e fiscali**. “**L’iper-regolamentazione** del settore ha portato nel tempo a una **standardizzazione dei servizi di gestione** – ha sottolineato Panebianco – e la spinta all’allineamento ai **benchmark** ha progressivamente impoverito la varietà e la qualità **dell’offerta gestionale italiana“**.
Tuttavia, qualcosa si sta muovendo: si è avviato un confronto per introdurre in Italia una opzione tra **tassazione sul maturato o sul realizzato**, avvicinando il **modello fiscale italiano** a quello statunitense.
In parallelo, l’adozione di normative europee come la **RIS** (Retail Investment Strategy) e la **FIDA** (Financial Data Access) spingerà verso **soluzioni trasparenti e orientate al valore per il cliente**, in alternativa ai modelli basati sulle **retrocessioni**, e permetterà di abilitare una visione integrata del **patrimonio del cliente** anche presso altre banche, creando i presupposti per una **consulenza più evoluta**, basata su **dati aperti e interoperabili**. “Con l’introduzione di queste normative – precisa Renzulli – si apre la possibilità per un passaggio chiave verso **un’advisory ‘2.0’ realmente olistica“.**
Dalla delega piena al modello duale: come cambia il rapporto con il cliente
Un’altra importante evoluzione riguarda il tipo di **relazione** che **l’SMA** consente di costruire. Gli SMA possono innescare una **sinergia virtuosa**: una **gestione professionale** che mantiene **un alto grado di coinvolgimento del cliente.**
Si passa così da un modello di **pura delega** a un modello **“duale“**, dove **consulente e gestore** collaborano, condividendo con il cliente ogni fase del processo. Questo consente di **costruire fiducia** e **rafforzare la relazione**. Come spiegato da Lorenzo Palleroni, **Vontobel** ad esempio, ha sviluppato un modello di servizio che combina **moduli di gestione patrimoniale con componenti assicurative, specialties geografiche e strategie tematiche.**
Anche **Euromobiliare Advisory SIM** ha compiuto un cambio di passo. **Gianmarco Zanetti** ha spiegato come la banca abbia superato l’approccio tradizionale delle **linee bilanciate e flessibili** per passare a un modello basato su **building blocks più trasparenti e misurabili.** Il risultato? **Maggiore chiarezza, engagement** del cliente e possibilità di **monitorare le performance** in modo più semplice e coerente.
Tecnologia e piattaforme: la chiave per scalare la personalizzazione
L’evoluzione introdotta dagli **SMA** non sarebbe possibile senza **un’infrastruttura tecnologica** capace di sostenere **personalizzazione e scalabilità.** Servono **piattaforme flessibili, scalabili,** in grado di gestire **profilazione evoluta**, **ottimizzazione dei portafogli, ribilanciamenti automatici, simulazioni e goal-based investing.**
“La **tecnologia** non è solo un supporto operativo, è un vero **abilitatore di relazione e personalizzazione su scala,”** osserva Renzulli. “Il nostro obiettivo è fornire strumenti **semplici e intuitivi** per l’advisor e il cliente, ma con logiche sofisticate in backend, come **l’ottimizzazione e il ribilanciamento dinamico dei portafogli, l’analisi del rischio, l’AI conversazionale** a supporto dell’advisor”.
Obiettivi, profilazione e change management per la nuova centralità del cliente
La vera trasformazione avviene però a **livello culturale.** Come osserva **Zanetti**, “oggi la **profilatura** non può più essere un **obbligo normativo sterile**. È il momento chiave per **ingaggiare il cliente,** conoscere la sua **vita**, la sua **impresa**, la sua **famiglia**, da qui parte il vero **processo di consulenza**“. Ed è da qui che si sviluppa la logica **dell’advisory per obiettivi**, sempre più diffusa anche in Italia. Non si parla più solo di **asset allocation,** ma di **traguardi concreti: educazione dei figli, successione, protezione del patrimonio, pensione.**
Per supportare questa evoluzione, servono non solo strumenti **tecnologici** adeguati, ma anche cambiamenti a livello **organizzativo e operativo**. “Il modello **artigianale**, basato su un unico banker, non regge più – afferma **Palleroni** –. Serve un **approccio integrato e complementare, dove il gestore affianca il consulente** per cogliere tutte le sfumature del **profilo cliente**“. L’obiettivo è garantire **coerenza** tra il messaggio che arriva dalla ricerca e la proposta operativa sul campo, evitando il cortocircuito del **“telefono senza fili“.**
Verso un modello integrato, flessibile e sostenibile
Gli **SMA** stanno contribuendo ad avviare una **riflessione profonda** sull’evoluzione del **modello di servizio nel wealth management**, evidenziando le potenzialità di **un’integrazione virtuosa tra consulenza evoluta, gestione patrimoniale personalizzata e innovazione digitale.**
“Non si tratta soltanto di ampliare l’offerta con una nuova soluzione – conclude **Renzulli** –, ma di **ridefinire l’intero approccio alla relazione cliente-consulente**, costruendo **fiducia** attraverso **trasparenza, coinvolgimento e coerenza rispetto agli obiettivi individuali.** In questo senso, gli **SMA** si propongono come **catalizzatori di un cambiamento culturale e strategico**, in grado di **generare valore duraturo** sia per il cliente sia per il settore”.
È una nuova grammatica della consulenza dove la tecnologia non sostituisce il consulente, ma ne amplifica il ruolo. Gli SMA non rappresentano solo un’evoluzione tecnica, ma possono innescare un nuovo modo di intendere la relazione consulente-cliente. Un modello che integra la componente gestoria e relazionale, in cui la consulenza evoluta si combina con la gestione professionale.
[](https://www.linkedin.com/in/max-renzulli/)### Max Renzulli
Market Solution Director, Objectway
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Article
**Tags:** #efficiency, #financialservices, #operationalefficiency, #privatebanking, #sma, #wealth-management-trends
---
### [Objectway accelerates its growth path through an investment from Cinven in partnership with its founder Luigi Marciano and the existing management team](https://objectway.com/objectway-accelerates-its-growth-path-through-an-investment-from-cinven-in-partnership-with-its-founder-luigi-marciano-and-the-existing-management-team/)
**Published:** August 7, 2025
**Author:** Lorenzo Noventa
**Excerpt:** Objectway accelerates its growth path through an investment from Cinven. The majority investment marks the start of a new phase of growth for Objectway, leveraging its scalable business model.
**Content:**
[](/news/)
View all News
# Objectway accelerates its growth path through an investment from Cinven in partnership with its founder Luigi Marciano and the existing management team
The majority investment marks the start of a new phase of growth for Objectway, leveraging its resilient and scalable business model, its end-to-end solution-as-a-service platform, and long-term partnerships with a blue-chip customer base.
London, Milan, 7th August 2025 – Luigi Marciano, founder of Objectway, a leading provider of software and services to financial institutions across Europe, North America and the Middle East, along with Objectway’s management team and international private equity firm, Cinven, today announced an agreement under which Cinven will make a majority investment in Objectway.
Luigi Marciano will remain a significant shareholder alongside Cinven, and continue in his role as CEO and Chair. He and his existing management team will continue to manage the business, and Cinven’s backing will provide strategic and financial support, including continued investment in technology innovation, as well as support for future organic growth and targeted M&A opportunities. Together, Luigi Marciano, his team and Cinven aim to expand Objectway’s market leadership while delivering consistently high value to clients. Financial terms of the investment are not disclosed.
Objectway is a leading digital end-to-end “Solution-as-a-Service” provider for wealth managers, banks and asset managers. Objectway provides customers with a mission-critical, modular, front-to-back office software and solutions platform, delivered through a flexible design based on scalable cloud infrastructure. Founded in 1990 and headquartered in Milan, Objectway supports more than 250 financial institutions across more than 16 countries. With offices across Europe and North America, Objectway combines mission-critical technology and services with deep domain expertise.
The wealth management ecosystem is exhibiting consistent growth and strong demand for investment in modern technology solutions from established providers, presenting opportunities to digitise the industry and capture market share. Industry trends include the need to transition from fragmented legacy systems to integrated end-to-end solutions that create efficiency in front-to-back office processes, serving clients consistently, across the value chain, geographies, and investor segments.
Cinven believes that Objectway is a compelling primary investment opportunity based on a number of attractive characteristics, including its:
- Well-established position in a structurally growing market: Outsourced technology and tech-enabled services spend across the wealth management, banking and asset management industries is expected to grow strongly, driven by increasing regulatory complexity, customer demand for digital solutions, and the continued focus of customers on protecting margins;
- Differentiated offering: Objectway has a differentiated end-to-end front, middle and back-office platform offering across a wide-spectrum of wealth management customer types. Objectway has consistently been selected by many of the world’s wealth managers, private banks, asset managers and asset services as their digital wealth platform for its thoughtful and innovative product roadmap, which integrates client feedback, regulatory requirements, technological advancements, and evolving market dynamics;
- Attractive and resilient business model: Objectway has highly recurring revenues and earnings visibility and strong cash flow generation, driven by its blue-chip customer base and growing “Solution-as-a-Service” delivery model;
- Multiple further growth and value creation levers: With Cinven’s financial and strategic support, there are significant further growth opportunities for the business, including through organic growth, targeted M&A, and accelerated investment into the technology platform; and
- Strong founder-led management team: Opportunity to partner with a strong and experienced management team led by its founder, CEO and Chair, Luigi Marciano, for the next stage of the company’s growth.
This transaction represents the first investment from Cinven’s new mid-market strategy. The European mid-market is an investment space where Cinven has deep expertise and networks to draw on, particularly in areas aligned with the firm’s core geographic and sector strengths, including across technology and tech-enabled services, financial services and business services.
Luigi Marciano, CEO, Chair and founder of Objectway said:
Partnering with Cinven marks an exciting new chapter for Objectway. Their investment is a strong endorsement of our business model, our leadership team, and our long-term growth plan. Together, we’re well-positioned to accelerate our expansion, further strengthen our market position, accelerate the enhancement of our platform, and continue delivering exceptional value to our customers and to the market.
[](https://www.linkedin.com/in/luigi-marciano-66b9538/)### Luigi Marciano
CEO, Chair and founder of Objectway
Luigi Sbrozzi, Partner and Co-Head of the Strategic Funds at Cinven said:
We believe that Cinven makes an excellent partner to help Luigi Marciano and the wider management team achieve their bold growth ambitions. Cinven has a wealth of experience in the financial services and technology sectors, and a successful track record of partnering with exceptional management teams to create market leading businesses by investing for growth, including through tech-led innovation and buy and build strategies. We’re thrilled to back such a strong founder and management team to grow Objectway as a clear category leader, and look forward to working together to accelerate growth, broaden capabilities, and support global expansion.
[](https://www.linkedin.com/in/luigi-sbrozzi/)### Luigi Sbrozzi
Partner and Co-Head of the Strategic Funds at Cinven
Advisors to Objectway on the transaction included Houlihan Lokey and BNP Paribas as financial advisors and Deloitte for strategic consulting on the business plan, as well as financial, commercial, and technical due diligence. PwC advised on tax and legal due diligence. Giovannelli e Associati acted as the legal advisor and Russo De Rosa Associati as the tax advisor.
Cinven was advised by Jefferies (M&A), Freshfields (Legal), PwC (Financial), Alix Partners (Technology & Operations), Oliver Wyman (Commercial) and Deloitte (Tax and Structuring).
The transaction is subject to regulatory approvals and other customary closing conditions.
About Objectway
For more than 30 years, Objectway has been building successful partnerships with banking, asset and wealth management firms to empower and scale their business with a broader societal objective: preserve capital and improve the financial wellbeing of their clients.
Objectway offers a leading as-a-service growth platform for banks, wealth & asset managers and their investors. The Objectway platform provides these financial institutions with superior scalability for greater performance to empower their entire value chain.
Objectway’s end-to-end solution design allows its customers to be serviced consistently within both a local and international setting, underpinned by 24-7 secure infrastructure.
As a global Top 100 FinTech provider (IDC FinTech Rankings), Objectway administers more than €1 trillion of assets and supports more than 100,000 investment professionals (financial advisers, private bankers, relationship managers) to manage more than €800 billion of asset under management for more than 5 million investors. FY 2024 revenue exceeded €120 million and clients include more than 250 leading banks, wealth managers, asset managers and insurers across Europe, the Middle East and Canada.
Objectway has a global organisation including more than 800 business and technology professionals, with operating offices in Italy, the UK, Belgium, Germany, Switzerland, France, Ireland, and Canada.
Objectway’s flexible solution design addresses global and regional organisation structures across jurisdictions. Scale generates scale through expansion across customers, geographies and along the value chain.
About Cinven
Cinven is a leading international private equity firm focused on building world-class global and European companies. Its funds invest in six key sectors: Business Services, Consumer, Financial Services, Healthcare, Industrials and Technology, Media and Telecommunications (TMT). Cinven has offices in London, New York, Frankfurt, Paris, Milan, Madrid, Guernsey and Luxembourg.
Cinven takes a responsible approach towards its portfolio companies, their employees, suppliers, local communities, the environment and society.
Cinven Limited is authorised and regulated by the Financial Conduct Authority. Cinven Fund Management S.à r.l. is authorised and regulated by the Commission de Surveillance du Secteur Financier.
In this press release ‘Cinven’ means, depending on the context, any of or collectively, Cinven Holdings Guernsey Limited, Cinven Partnership LLP, and their respective Associates (as defined in the Companies Act 2006) and/or funds managed or advised by any of the foregoing.
For additional information on Cinven please visit [www.cinven.com](https://www.cinven.com/) and [www.linkedin.com/company/cinven/](https://www.linkedin.com/company/cinven/).
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
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### [KI in Banken-IT: St. Gallener Forschungsinstitut startet Fintech-Kooperation](https://objectway.com/ki-in-banken-it-st-gallener-forschungsinstitut-startet-fintech-kooperation/)
**Published:** August 1, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Partnerschaft gestartet: Das Business Engineering Institute St. Gallen und das Fintech Objectway wollen gemeinsam KI-Anwendungen im Bankenbereich ausloten.
**Content:**
[](/news/)
View all News
# KI in Banken-IT: St. Gallener Forschungsinstitut startet Fintech-Kooperation
1\. August 2025 – Partnerschaft gestartet: Das Business Engineering Institute St. Gallen und das Fintech Objectway wollen gemeinsam KI-Anwendungen im Bankenbereich ausloten.
Das Competence Center for Future Financial Services am Business Engineering Institute St. Gallen ist eine Kooperation mit dem Fintech Objectway eingegangen. Die Zusammenarbeit zielt darauf ab, Forschung und Praxis im Finanzsektor zu verknüpfen – mit Fokus auf Künstlicher Intelligenz im Kernbankengeschäft.
Wissenstransfer zwischen Wissenschaft und Praxis
Das Competence Center, das auch mit den Lehrstühlen für Wirtschaftsinformatik der Universitäten St. Gallen und Leipzig kooperiert, entwickelt gemeinsam mit Partnerunternehmen aus der Finanzbranche Lösungen für neue technologische Herausforderungen. In der jetzt vereinbarten neuen Kooperation soll das Fintech das Institut mit realen Anwendungsfällen und praxisnahem Feedback unterstützen.
Fokus auf KI im Kernbankengeschäft
Schwerpunktmäßig wollen die beiden Kooperationspartner untersuchen, wie sich KI in Core-Banking-Systemen einsetzen lässt – über die bereits bekannten und üblichen Anwendungen im Kundenbereich hinaus. Viele Kernbankensysteme basierten auf veralteter IT-Infrastruktur, was Innovationen behindere, gibt man bei Objectway zu bedenken. Objectway will sich zukünftig mit Vorträgen in Workshops einbringen und an verschiedenen Expertengruppen des Instituts teilnehmen.
Das Business Engineering Institute St. Gallen ist nicht Teil der Hochschule St. Gallen, sondern fungiert als eigenständiges, privatwirtschaftlich organisiertes Unternehmen. Sein Geschäftsmodell ist, Vermögensverwalter und Privatbanken bei der Entwicklung neuartiger Geschäftsmodelle und bei neuen Technologien wie KI, Cloud-Lösungen oder Distributed-Ledger-Technologie zu unterstützen.
Objectway bietet Software und digitale Services für Banken, Vermögensverwalter, Asset Manager, Investmentplattformen und Versicherungen an.
Gerade im Bereich der Künstlichen Intelligenz im Core Banking mangelt es oft an konkreten Beispielen und transparenten Daten.
[](https://www.linkedin.com/in/karl-im-brahm/)### Karl im Brahm
CEO DACH Region, Objectway
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
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### [Advisory Empowering Advisors Through Simplified, Sophisticated Planning](https://objectway.com/advisory-empowering-advisors-through-simplified-sophisticated-planning/)
**Published:** July 23, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Today's advisors are expected to produce comprehensive plans under tight timelines. Utilizing a tool that makes this easier can be a competitive advantage for financial advisors.
**Content:**
###### JUL 24, 2025
# Empowering Advisors Through Simplified, Sophisticated Planning
[Mike Logashov, Product Manager](https://www.linkedin.com/in/logashov/)
advisory
[\#Artificialintelligence](/artificial-intelligence/)[\#ClientExperience](/clientexperience/)[\#Clientreporting](/client-reporting/) [\#DigitalAdvisory](/digital-advisory/) [\#RiskManagement](/risk-management/)
At the IFB Tech Expo in May, I had the opportunity to share a few thoughts on solutions that supports financial advisors who want planning tools that save time without sacrificing analytical depth. For today’s advisory practices, simplicity is not a luxury but a professional necessity.
Today’s advisors are expected to produce comprehensive plans under tight timelines. Utilizing a tool that makes this easier can be a competitive advantage for financial advisors. This does not mean the tool lacks power or flexibility. Instead, it means reducing unnecessary effort to spend more time where it matters: with clients.
Simple to Use, Sophisticated in Function: The Razorplan Standard
A key approach to be successful in this domain is to simplify the experience, not the analysis. Tools should contain underlying logic that supports advanced calculations including retirement decumulation strategies, tax projections, and insurance needs. Solve engines must be robust. Tax modules must be current. And client reports must be designed for clarity and credibility. The goal should be allowing advisors to produce thoughtful, client-ready plans with fewer steps and greater efficiency.
Answering Questions Clients Haven’t Thought to Ask
One way to achieve this goal is to offer analysis proactively. This means automatically generating scenario comparisons tied to the base plan, such as early retirement, additional lifestyle expenses, or lower than expected market returns. These insights are often missed either due to time constraints, or because clients forget to ask. By incorporating this analysis to each plan, and without creating additional work to the advisor, relevant outcomes are surfaced automatically. It’s a shift that fosters more meaningful engagement and positions the advisor as a forward-thinking guide.
Expanding Risk Conversations Beyond Today
Risk management is often reduced to a single moment: what happens if a client passes away today. Yet, there is a need for a broader, multi-year view. It’s just as important to evaluate changing insurance needs over time, taking shifting income, dependents, and existing coverage into account. This results in a more complete needs analysis and supports better long-term planning. Advisors can use it to deliver more thorough recommendations and uncover opportunities across multiple products.
Planning through a Focused Lens
Clients often ask targeted questions like “How can I minimize the impact of estate taxes” or “How can I maximize income out of my retirement portfolio?” These are best answered through the lens of a specific financial planning discipline: investment management, risk management, or estate planning. The most effective planning tools support this approach by framing strategies under the appropriate context and provide side-by-side comparisons that highlight outcomes, while reinforcing the value of the advisor’s recommendations.
The Future is Professional First
Feedback continues to confirm that advisors want tools that help them deliver real advice, not just generate documents. The future of financial planning technology lies in the ability to enhance advisors’ credibility, simplify the process, surface valuable insights, and support the full range of financial planning conversations.
This vision has been at the heart of RazorPlan since day one. We strive to build technology that empowers advisors to spend less time building plans and more time building trust, ultimately delivering greater value to the clients they serve. If you missed the session, RazorPlan is offering a 30-day free trial and 10% off to IFB attendees. Details at [razorplan.com/ifb](https://razorplan.com/ifb/).
**RELATED POST**
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### Innovating Financial Planning For a New Era of Longevity and Goal-Based Investing
[](https://objectway.com/innovating-financial-planning-for-a-new-era-of-goal-based-investing/)
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### Investing in Technology to lead the industry: Canada edition
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### Navigating the financial horizon: Takeaways from the 22nd Annual National Financial Planning Conference
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**Categories:** #ArtificialIntelligence, #ClientExperience, #ClientReporting, #DigitalAdvisory, #RiskManagement, Advisory, Blog
---
### [Efficiency, Scale, and Growth: The Back-Office as a Strategic Asset](https://objectway.com/efficiency-scale-and-growth-the-back-office-as-a-strategic-asset/)
**Published:** July 28, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** The back-office is now a strategic enabler—central to delivering efficiency, scalability, and increased competitiveness.
**Content:**
[](/news/)
View all News
# Efficiency, Scale, and Growth: The Back-Office as a Strategic Asset
28th July 2025 – In the rapidly evolving world of wealth management, where client expectations are rising and competitive pressure continues to intensify, the back-office is stepping into the spotlight. Once seen merely as a cost center or operational necessity, the back-office is now a strategic enabler—central to delivering efficiency, scalability, and increased competitiveness.
But while the case for modernisation is compelling, execution remains complex. Wealth managers face an urgent need to still aligned with regulatory demands and transform their operational capabilities, even as short-term cost pressures and legacy systems present formidable challenges.
Mounting Pressures, Shifting Priorities
Wealth management firms are navigating a perfect storm: inflationary headwinds, market volatility, and a talent crunch are tightening margins across the board. At the same time, clients increasingly demand personalised services, seamless digital experiences, and round-the-clock access to their portfolios. In order to meet these demands without increasing operational costs, these firms will need to scale up their automation efforts. This will prepare operations for business transformation and enable the workforce to support processes within a technology-led operational framework.
According to recent data and surveys, **57%** of leaders in banking and investment services across the globe identified the **modernisation of business-critical systems and capabilities** as their top priority. This was followed by **improving operational efficiency** and **enhancing data and analytics capabilities,** both of which were identified as priorities by 37% of respondents. These priorities indicate a growing awareness that outdated systems and disjointed operations are no longer fit for purpose in the modern business landscape.
Interestingly, while modernisation ranks highest in importance, it also ranks lowest in execution confidence, with **only half** of respondents **confident in their ability to deliver** on it—underscoring the scale of the challenge ahead.
Streamlining the Core: Straight-Through Processing in Action
Automation lies at the heart of back-office transformation. Firms are investing more and more in technologies that can enable straight-through processing (STP) across their value chain, from order and execution management to settlement and reconciliation. The benefits are substantial: reduced operational costs, faster processing times, fewer errors and more efficient regulatory compliance.
These improvements not only create internal efficiencies, but also enhance client outcomes by enabling more accurate and automated reporting, faster transactions, as well as reducing the time it takes to bring new products or services to market. They also future-proof operations, ensuring they remain compliant and adaptable as regulations evolve.
The Technology Investment Landscape: AI, Cloud, and Data
**Technology** is no longer a back-office support tool; **it is the operational backbone.** Wealth management leaders are prioritising three major technology domains in their back-office transformation strategies: GenAI/artificial intelligence (AI), cloud infrastructure, and data analytics.
AI plays a crucial role in automating routine tasks, predicting operational risks, and delivering intelligent insights for decision-making. In the back-office, it can enhance fraud detection, streamline compliance workflows, and optimise client reporting processes.
Cloud infrastructure, meanwhile, is seen as essential for scalability and resilience. Migrating core systems to the cloud reduces hardware costs, improves deployment cycles, and enables real-time data orchestration across internal and partner ecosystems.
Equally important is data analytics, which empowers firms to extract deeper insights, improve forecasting, and personalise client services—turning raw operational data into a strategic asset.
Portfolio Accounting Leads Investment Priorities
Among specific back-office functions, portfolio accounting stands out as extremely important according to 73% of leaders in banking and investment services, but only 35% of them have already fully deployed such critical capability.
Other core systems are also in focus, though with slightly lower current deployment levels, such as order and execution management (24%), and post-trade settlement and reconciliation (19%). These functions are ripe for automation and can significantly benefit from end-to-end integration across systems.
Build, Buy, or Partner? Deployment Flexibility Matters
Firms are also reconsidering how they source and implement back-office technologies. There has been a clear shift away from in-house development towards more flexible scalable deployment models.
Industry benchmarking data shows that more than 70% of firms are trying to navigate the complexities of legacy systems and undergoing system replacement and operating model rethink. Firms are opting to deploy modular functionality in a phased approach and looking to outsource certain functions to aid operational efficiency and improve scalability. For example, there is a clear shift to adopting Software-as-a-Service (SaaS) whose advantages include hosting, application management, software upgrades which sit with a technology partner. Firms are also considering outsourcing their back office functions in their entirety so they can focus more on investment management and client service and ideally utilise the economies of scale from a technology partner which should also translate to greater operational efficiency. In short, there is no one-size-fits-all approach but with the right architecture and operating model (both of which may be implemented in a phased approach), and supported by the right partner, firms have an amazing opportunity to enable greater efficiency, growth and client outcomes.
Partners who offer modular, composable and co-designed solutions with hybrid deployment options are best positioned to serve this evolving market. Customisation, interoperability, and support for iterative rollouts have become decisive factors in technology vendor selection.
Beyond Efficiency: A Strategic Reframe
It’s important to view back-office modernisation not simply as a cost-saving exercise, but as a foundational shift in how wealth management firms create and deliver value. A streamlined, intelligent back-office enables:
- Scalability: Firms can grow without a proportional increase in costs, workload or infrastructure.
- Agility: New products and regulatory requirements can be incorporated quickly.
- Client-Centricity: Real-time data and integrated workflows improve the client experience across digital and advisory channels.
- Resilience: Automation and cloud-based systems reduce operational risk and enhance business continuity.
Building the Foundation for Long-Term Advantage
The modernisation of the back-office is no longer a matter of ‘if’ — it’s a matter of ‘how fast’. Wealth management firms that invest in automation, data-driven workflows and scalable infrastructures are positioning themselves not just for survival, but for leadership in a competitive, client-driven industry.
Embracing straight-through processing can boost efficiency, saving both time and resources. Automated administrative processes maximise productivity by freeing teams from repetitive tasks, enabling them to focus on higher-value activities. The results are tangible: reduced costs, shorter processing cycles and a stronger position in an increasingly crowded market.
Modernisation also strengthens the core pillars of trust and compliance. Enhanced data accuracy, streamlined audit trails and automated controls help firms to reduce operational risk and ensure regulatory compliance. This is particularly important as clients not only demand better service, but also greater transparency and accurate reporting; including reliable portfolio income and tax reporting packs.
Most importantly of all, operational transformation gives wealth managers the freedom to focus on what truly sets them apart; building strong client relationships and providing excellent service. By leveraging composable architectures and modular deployment approaches, firms can begin the process wherever they are and scale up at their own pace without disruption.
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
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[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
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---
### [DORA im Nacken? Warum Banken ohne PaaS bei der Cloud-Migration baden gehen](https://objectway.com/dora-im-nacken-warum-banken-ohne-paas-bei-der-cloud-migration-baden-gehen/)
**Published:** July 25, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Welche Rolle DORA spielt und welche Fehler Banken bei der IT-Transformation begehen, weiß Alberto Cuccu, COO von Objectway, sehr gut.
**Content:**
[](/news/)
View all News
# DORA im Nacken? Warum Banken ohne PaaS bei der Cloud-Migration baden gehen
25\. Juli 2025 – Viele Banken wollen ihre IT-Altsysteme endlich in die Cloud übertragen. Dabei wechseln sie oft direkt von On-Premise zu SaaS-Lösungen. Doch vor allem größere, traditionelle Institutionen riskieren hierbei Millionenbeträge. Warum für sie ein mehrstufiger Migrationsprozess über PaaS die sinnvollere Option sein kann, welche Rolle DORA spielt und welche Fehler Banken bei der IT-Transformation machen, weiß Alberto Cuccu, COO von Objectway.
Der Wechsel in die Cloud ist längst kein bloßer Trend mehr in der Vermögensverwaltung – sie ist eine Notwendigkeit. Laut KPMG nutzen bereits über zwei Drittel der Banken in Deutschland cloudbasierte SaaS-Lösungen. Dieser Wandel wird nicht nur durch den Wettbewerbsdruck von FinTechs vorangetrieben, sondern auch durch strengere EU-Vorschriften wie DORA, steigende Betriebskosten und den Bedarf an mehr Agilität durch modulare Architekturen.
“Prognosen gehen davon aus, dass die IT-Ausgaben im europäischen Finanzsektor bis 2028 jährlich um fast neun Prozent steigen werden.”
Das liegt deutlich über dem weltweiten Durchschnitt von fünf bis sechs Prozent. Die Dringlichkeit zur Modernisierung birgt jedoch auch ein Risiko: Viele Institute starten Cloud-Migrationen ohne eine kohärente Strategie.
Vor allem große Finanzinstitute müssen sich mit komplexen Systemen und strengen internen Compliance-Anforderungen auseinandersetzen. Ein überstürzter, pauschaler Ansatz kann mehr schaden als nutzen. Besser ist eine schrittweise Migrationsstrategie, wenn bestimmte geschäftliche Einschränkungen bestehen. Ein aktueller Fall veranschaulicht dies: So startete ein großes Investmenthaus mit einem verwalteten Vermögen von über 100 Milliarden Euro mit der Migration zu einer Plattform-as-a-Service (PaaS)-Lösung, wobei als nächster Schritt eine vollständige SaaS-Umstellung geplant ist.
PaaS vor SaaS? Welche Strategie für große Finanzinstitute am sinnvollsten ist
SaaS-Lösungen bieten viele Vorteile, wie eine schnelle Einführung, geringer Wartungsaufwand, niedrigere Gesamtbetriebskosten, Skalierbarkeit, Personalisierung – die Liste ist lang. Das Endziel einer Cloud-Strategie ist immer ein Übergang zu SaaS.
Diese Organisationen verfügen womöglich bereits über interne PaaS-Kapazitäten und Layer für die Anwendungsbereitstellung. Doch der sprunghafte Übergang zu SaaS könnte von einer traditionellen, vielschichtigen Einrichtung als zu disruptiv empfunden werden. In solchen Fällen ermöglicht PaaS den Institutionen, das Plattformmanagement zunächst auszulagern – ein Sprungbrett zur SaaS-Einführung, das eine Unterbrechung des Anwendungsmanagementbetriebs vermeidet.
In einem zweiten Schritt kann der SaaS-Übergang durch die Auslagerung von Anwendungs-Support, Verwaltung und Updates abgeschlossen werden. Diese Phase kann nach verschiedenen Ansätzen erfolgen, zum Beispiel ‚Reduzieren und Auslagern‘, ‚Aufheben und Verlagern‘, ‚Aufheben und Optimieren‘”. Umgekehrt riskieren Institutionen, die schnelle und groß angelegte Migrationen ohne ausreichende Vorbereitung durchführen, später kostspielige Anpassungen und mögliche Betriebsausfälle. Einer IBM-Studie zufolge beläuft sich der durch ein Datenleck bei Finanzdienstleistern verursachte Schaden auf durchschnittlich 5,9 Millionen US-Dollar pro Vorfall.
DORA ändert die Spielregeln
Mit dem Digital Operational Resilience Act (DORA), der im Januar 2025 in Kraft getreten ist, gelten neue Anforderungen an die digitale Resilienz von Finanzunternehmen. Was auf den ersten Blick wie eine regulatorische Hürde erscheint, eröffnet neue Handlungsspielräume. Vor DORA mussten Banken oft selbst prüfen, ob Cloud-Modelle aus regulatorischer Sicht vertretbar sind – jetzt schaffen einheitliche EU-Standards Klarheit – das reduziert die Ungewissheit und stärkt das Vertrauen in moderne Plattformen.
“Darüber hinaus zwingt DORA die Banken, ihre IT-Architekturen an den Grundsätzen der Resilienz, Transparenz und Prüfbarkeit auszurichten.”
Damit werden Betriebsmodelle, die auf modularen Architekturen und konfigurierbaren Komponenten basieren, nicht nur attraktiver, sondern auch zu einer regulatorischen Notwendigkeit. Diejenigen, die Compliance jetzt strategisch einsetzen, sichern sich einen Vorsprung.
Skalierbarkeit mithilfe der Cloud aufbauen
Die Cloud-Migration muss vom Standpunkt des Kunden aus betrachtet werden. Welche digitalen Anwendungen brauchen die Anleger? Wie können diese direkt mit Middleware und Backend verknüpft werden? Ziel ist es, Daten über alle Systemebenen hinweg in Echtzeit und konsistent verfügbar zu machen.
Ein Projekt mit einem großen Vermögensverwalter demonstriert den Erfolg: In der ersten Phase ging das Frontend innerhalb von sechs Monaten live – die digitale Nutzungsrate stieg von 20 auf über 60 Prozent. Im nächsten Schritt wurden das Kundenerlebnis und die Abläufe im Investment-Management zusammengeführt, um Kunden und Beratern gleichermaßen Echtzeitdaten zur Verfügung zu stellen. Bei diesem Projekt unterstützte das Unternehmen zudem die Integration von drei akquirierten Unternehmen. Diese Schritte waren Teil einer umfassenderen Cloud-Strategie, die später zur vollständigen Migration der Backoffice- und Portfoliosysteme auf ein PaaS-Modell führte. Das Unternehmen hat nun mit der vollständigen SaaS-Umstellung begonnen und verfolgt dabei eine „Shift-and-Optimise“-Strategie, bei der bestehende Systeme in die Cloud migriert und gleichzeitig erweitert werden. Dies spiegelt einen breiteren Branchentrend hin zu cloudfähigen Lösungen wider, die durch modulare, zusammensetzbare Technologien ermöglicht werden.
“Das Frontend liefert schnelle Proof Points.”
Aber ohne ein skalierbares, Straight-Through-Processing-fähiges Backend, das Transaktionen durchgängig automatisiert und ohne manuelle Eingriffe abwickelt, bleibt das Erfolgspotenzial begrenzt.
Monate oder Jahre? So lange dauert die Cloud-Umstellung wirklich
Ebenfalls ein häufiges Missverständnis bei Cloud-Migrationsprojekten: der Zeitrahmen. Viele Institute planen sechs bis zwölf Monate. Das kann realistisch sein, hängt aber stark von der Ausgangssituation und den internen Prozessen ab.
Spätestens wenn Altsysteme oder regulatorische Anforderungen eine Rolle spielen, reicht eine kurzfristige Roadmap nicht aus. Besser ist, man setzt auf einen phasenweisen Ansatz mit agilen Meilensteinen, um langfristige Ergebnisse zu gewährleisten. Es ist nicht nur die Technologie, die entscheidend ist.
Die beste Plattform ist nutzlos, wenn das Betriebsmodell nicht mithalten kann. Es braucht agile Teams, eine zukunftsorientierte Denkweise und eine Kultur, die Veränderungen zulässt.”
Studien von McKinsey und Accenture sprechen von einer „Cloud 2.0“-Ära: Technologie, Datenmanagement, Sicherheit und Benutzererfahrung werden als Komponenten einer ganzheitlichen Transformation gesehen.
Dennoch können traditionelle Unternehmen mit komplexen Altsystemen und strengen Compliance-Anforderungen strategisch davon profitieren, mit PaaS zu starten.
[](https://www.linkedin.com/in/alberto-cuccu-21a401/)### Alberto Cuccu
Chief Operating Officer, Objectway
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
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**Tags:** #artificialintelligence, #efficiency, #financialservices, #operationalefficiency, #privatebanking
---
### [CETIF Community Event of Digital Resilience & 3rd Parties HUB19th June 2025](https://objectway.com/cetif-community-event-of-digital-resilience-3rd-parties-hub19th-june-2025/)
**Published:** June 17, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Meet Objectway at upcoming CETIF Community Event "Managing the End2End Supply Chain".
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# CETIF Community Event of Digital Resilience & 3rd Parties HUB
19th June 2025 – Objectway will take part in a new event organized by CETIF – the Research Center of the Università Cattolica del Sacro Cuore di Milano – dedicated to the optimization of the IT supply chain through enhanced supplier oversight, contractual governance, and new audit models.
## Agenda
Thursday, 19th June 2025
10:00 – 13:00
Managing the END2END Supply Chain
Manuela Marciano, General Counsel, Objectway
The conference titled **“Managing the END2END Supply Chain”** marks the second Community Event organized by the Digital Resilience & 3rd Parties research HUB of CETIF. This session will focus on the following key topics:
- Management of the supply chain beyond third parties
- Contractual governance of third-party relationships
- A new audit model for the IT supply chain
CETIF Community Events are thematic forums designed to present the findings of research initiatives and in-depth analyses, enriched by the contributions of industry experts, regulatory authorities, associations, and case studies recognized for their innovative vision and implemented projects.
Within this context, **Manuela Marciano, General Counsel at Objectway**, will contribute to the **Open Session at 11:45**, focusing on end-to-end supply chain management and addressing the topic as follows:
- Operational Resilience extending beyond direct third-party relationships, encompassing the full subcontracting chain, with a focus on Objectway’s approach to ensuring visibility and control over its IT supply chain
- Assessment and monitoring of risks related to critical subcontractors involved in delivering services to banking clients, with specific reference to DORA expectations concerning cascading risks and supply chain dependencies
[Request more information now to participate to the event](https://www.cetif.it/event/community-event/20-digital-resilience-3rd-parties-hub-managing-the-end2end-supply-chain) and discover the full agenda of upcoming Community Events.
## Event Information
Thursday, 19th June 2025, Università Cattolica del Sacro Cuore, Milano
We’re looking forward to meeting you in Milan!
## Speakers
Manuela Marciano
Manuela is General Counsel of the Objectway Group. Before joining Objectway, she’s built an extensive professional career, first as a Lawyer specialising in commercial and corporate litigation for companies and public entities, and later in the role of Judicial Administrator experienced in managing assets and businesses on behalf of the Judicial Authority. The significant experience gained over the years in business management for the Judicial Authority led her to consolidate a strongly business-oriented approach aimed at achieving tangible results, today a distinctive element of her professional profile.
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8 July 2026
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---
### [Separately Managed Accounts: rivoluzione per il wealth management?](https://objectway.com/separately-managed-accounts-rivoluzione-per-il-wealth-management/)
**Published:** July 21, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Se in Italia le gestioni patrimoniali sembrano perdere slancio, oltreoceano i Separetely Managed Accounts americani mostrano la via del successo.
**Content:**
[](/news/)
View all News
# Separately Managed Accounts: rivoluzione per il wealth management?
21 Luglio 2025 – Se in Italia le gestioni patrimoniali sembrano perdere slancio, oltreoceano gli SMA americani mostrano la via del successo: tecnologia, coinvolgimento del cliente e gestione attiva possono riscrivere le regole anche per il mercato europeo.
Nel 2025 parlare di gestioni patrimoniali significa parlare di sfide strategiche. La consulenza evoluta, il successo crescente dei passivi, la pressione normativa sulla trasparenza e la marginalità dei modelli tradizionali stanno ridefinendo i confini del servizio al cliente private. **È in questo scenario che il confronto con il modello americano degli SMA si fa centrale: un modello agile, digitale, già operativo e redditizio. Intorno a questi temi, Objectway** ha organizzato l’evento Separately Managed Account, la Via verso Gestione Evoluta, Consulenza e Valore?
Gli interventi di **Antonella Massari** (AIPB) e **Mauro Panebianco** (PwC) hanno sviluppato la riflessione sulla domanda cruciale: **possono gli SMA rappresentare una risposta concreta per il mercato italiano?** Ne parliamo con **Gianbattista Geroldi**, CEO Italia di Objectway, player paneuropeo fornitore di soluzioni per migliorare l’intera catena del valore e supportare la crescita delle società di wealth e asset management.
Le gestioni patrimoniali tra consolidamento e ripensamento
“Negli ultimi anni il private banking italiano ha mostrato una crescita costante e significativa, arrivando a rappresentare il 34% della ricchezza finanziaria investibile delle famiglie, ma addirittura il **47% degli investimenti totali”** – osserva Geroldi, riportando l’analisi di Antonella Massari. Questo dato, **se da un lato testimonia il rafforzamento del comparto, dall’altro mette in luce una tensione interna**: quella tra il crescente livello di consulenza evoluta e il **parziale ridimensionamento delle gestioni patrimoniali tradizionali.**
Massari, in apertura dell’incontro, ha offerto una dettagliata panoramica del mercato italiano, distinguendo **tre modelli prevalenti: le banche universali, le reti di consulenza e le banche specializzate.** Se queste ultime mantengono un focus elevato sull’amministrato e sui private market, le reti – che rappresentano il 66% della forza consulenziale – prediligono prodotti assicurativi e fondi. **In questo scenario, le gestioni patrimoniali si ritagliano uno spazio (19%) nell’offerta delle banche specializzate, ma rimangono piuttosto marginali nelle banche universali (9% dell’offerta) e nelle reti (13%).**
Un modello sotto pressione: perché le GP faticano
Nonostante siano teoricamente lo strumento più coerente con la logica del private banking – ovvero la delega professionale della gestione del patrimonio – **le GP non hanno incontrato il successo atteso. “Diversi sono i fattori che hanno inciso su questo rallentamento** – racconta Geroldi – a cominciare **dall’orientamento delle reti verso soluzioni a maggiore marginalità e dalla concorrenza esercitata**, soprattutto negli ultimi anni, dai titoli di Stato e dalla liquidità”.
**Non meno importante è la trasformazione della relazione cliente-consulente.** “**La consulenza evoluta**, che implica un maggiore coinvolgimento del cliente nelle scelte di investimento, “**sembra oggi attrarre maggiormente una parte consistente della clientela, in particolare maschile e più giovane, rispetto a forme di delega totale”.**
Eppure, come emerso dai dati dell’Osservatorio AIPB, il 62% dei clienti private possiede almeno una gestione patrimoniale, e le clienti donne, una volta acquisite, risultano più propense alla delega. Tuttavia, la tendenza alla standardizzazione (76% delle GP sono multilinea) e un asset mix conservativo (81% investito in obbligazioni) ne penalizzano spesso le performance, soprattutto in mercati rialzisti.
Oltre l’Atlantico: il caso vincente degli SMA
“**Negli USA, gli SMA rappresentano un mercato in forte espansione**, con tassi di crescita a doppia cifra soprattutto dal periodo post-Covid. Secondo i dati di PwC presentati all’evento, oggi **circa il 18% del mercato americano delle gestioni patrimoniali che vale (oltre 15 trilioni di dollari) è già rappresentato dagli SMA**. Quasi tutti gli asset manager statunitensi hanno investito massicciamente in tecnologie dedicate e oltre il 50% degli AuM è concentrato tra i primi tre operatori del settore.
“L’aspetto più interessante – sottolinea Geroldi – è che **il successo degli SMA non nasce solo da un vantaggio fiscale**, attualmente non applicabile in Europa, **ma da una evoluzione del modello di servizio”.**
Tecnologia, trasparenza, coinvolgimento: l’evoluzione è già iniziata
Secondo l’analisi di PwC, i **Separately Managed Accounts non si pongono come un’alternativa alla consulenza evoluta, ma ne rappresentano piuttosto un potenziamento**. Si configurano come uno strumento che permette di offrire al cliente **un’esperienza ingaggiante e personalizzata**, grazie alla possibilità di investire in titoli singoli, selezionati in base alle preferenze individuali, agli obiettivi finanziari e alla propensione al rischio. **A questa personalizzazione si affianca una forte diversificazione**, elemento chiave per una gestione efficace del patrimonio, **insieme a un livello elevato di trasparenza**: il cliente ha visibilità completa su composizione del portafoglio, costi e performance.
**Un’ulteriore caratteristica è rappresentata dall’integrazione della tecnologia, che consente una gestione attiva e dinamica del portafoglio**, inclusa la possibilità di attivare ribilanciamenti automatici in risposta ai cambiamenti del mercato o alle esigenze del cliente.
Europa, terreno vergine (ancora per poco)
E in **Europa?** “Al momento **non esiste alcun grande player, né in Italia né tra i colossi continentali,** che abbia sviluppato un’offerta SMA paragonabile a quella statunitense – afferma Geroldi –. Tuttavia, è probabile che il cambiamento sia prossimo”.
**Da un lato**, normative come **la Retail Investment Strategy (RIS)** e la **SIU (Savings and Investments Union) spingeranno verso maggiore trasparenza**, rendendo meno sostenibili le retrocessioni e i modelli distributivi basati solo su inducement.
**Dall’altro, l’ascesa dell’approccio fee-only richiederà modelli capaci di valorizzare il servizio più che il prodotto**. In questo contesto, gli SMA appaiono come uno **strumento adatto a supportare una relazione consulenziale evoluta** e coerente con le nuove esigenze del mercato.
“L’evoluzione generata dagli SMA richiede **un’infrastruttura tecnologica in grado di garantire flessibilità, scalabilità e automazione, elementi indispensabili per offrire soluzioni personalizzate e processi industrializzabili, anche oltre il segmento HNWI**. In questo scenario, la tecnologia non è solo un supporto operativo, ma un vero abilitatore di relazione e personalizzazione che apre la strada a un **nuovo paradigma di servizio”**.
L’aspetto più interessante è che il successo degli SMA non nasce solo da un vantaggio fiscale, attualmente non applicabile in Europa, ma da una evoluzione del modello di servizio.
[](https://www.linkedin.com/in/gianbattista-geroldi-070a322a/)### Gianbattista Geroldi
CEO Italia, Objectway
## Related
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4 September 2026
## Sign Up for our Newsletter
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**Categories:** Article
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---
### [Advisory Modelli SMA: la nuova frontiera della gestione patrimoniale evoluta](https://objectway.com/modelli-sma-la-nuova-frontiera-della-gestione-patrimoniale-evoluta/)
**Published:** July 15, 2025
**Author:** Beatrice Scotti
**Excerpt:** Gli SMA stanno innescando una riflessione sulle sinergie possibili tra gestione patrimoniale personalizzata, consulenza evoluta e innovazione digitale.
**Content:**
###### JUL 15, 2025
# Modelli SMA: la nuova frontiera della gestione patrimoniale evoluta
[Objectway](https://www.linkedin.com/company/objectway/?viewAsMember=true)
advisory
[\#Clientrelationship]()[\#Digitalisation](/digitalisation/)[\#Portfoliomanagement](/portfolio-management-h/)
Il private banking in Italia continua a crescere: tra il 2019 e il 2024, gli asset gestiti sono aumentati del 42%, con un tasso medio annuo del 7,2%. Oggi questo segmento rappresenta il 34% della ricchezza finanziaria investibile delle famiglie italiane, arrivando al 47% degli investimenti effettivi[1](#ref-01). Tuttavia, il profilo della clientela è cambiato: investitori più consapevoli, più coinvolti e sempre più esigenti richiedono soluzioni personalizzate e un maggiore valore aggiunto.
In questo scenario, le gestioni patrimoniali (GP) e la consulenza evoluta diventano leve centrali per garantire redditività e fidelizzazione. Eppure, nonostante la loro rilevanza teorica, le GP tradizionali stentano a decollare. Le cause sono molteplici: scarsa spinta commerciale, concorrenza di fondi e titoli di Stato e ascesa di modelli di servizio più coinvolgenti per la clientela private, tradizionalmente restia alla delega completa. Ad oggi, solo il 24% delle GP è realmente personalizzato, mentre il resto si basa su approcci standardizzati[2](#ref-02).
Serve quindi un nuovo paradigma? La richiesta è chiara: maggiore flessibilità, trasparenza e personalizzazione. È in questo contesto che si stanno facendo strada gli SMA (Separately Managed Accounts), un modello di servizio che può rappresentare una valida alternativa alle gestioni patrimoniali tradizionali.
Ne abbiamo discusso con esperti di settore e protagonisti del mondo finanziario nell’evento dedicato “Separately Managed Account: la Via verso Gestione Evoluta, Consulenza e Valore?” che abbiamo recentemente organizzato a Milano.
Un modello flessibile, trasparente e orientato al cliente
Negli Stati Uniti, gli SMA sono una realtà consolidata. Spinti dall’evoluzione tecnologica e da un contesto fiscale favorevole, questi strumenti offrono un grado di personalizzazione estremamente elevato: scelta puntuale dei titoli con coinvolgimento del cliente ad ogni step del processo di simulazione e investimento, alto grado di flessibilità e customizzazione tramite portafogli in singoli titoli, basati su obiettivi e propensione al rischio, gestione attiva del portafoglio con ribilanciamenti automatizzati in tempo reale, trasparenza sui costi.
Dopo la pandemia, gli SMA hanno registrato una crescita a doppia cifra, arrivando a coprire il 18% del mercato USA della gestione patrimoniale[3](#ref-03). In Europa, il modello è ancora in fase embrionale, ma normative come la Retail Investment Strategy (RIS) e la Financial Data Access (FIDA) potrebbero favorirne la diffusione. In particolare, la RIS spingerà verso soluzioni trasparenti e orientate al valore per il cliente, in alternativa ai modelli basati sulle retrocessioni.
L’esperienza personalizzata abilitata dalla tecnologia
Gli SMA non rappresentano solo un’evoluzione tecnica, ma possono innescare un nuovo modo di intendere la relazione consulente-cliente. Un modello che può essere definito “advice 2.0”, in cui la consulenza evoluta si integra con la personalizzazione offerta dagli SMA.
Affinché questo modello si affermi anche in Italia, è necessario un intervento da parte del regolatore sugli aspetti fiscali, ma anche un’evoluzione “culturale” del settore.
La profilazione del cliente deve diventare un momento chiave, non un mero adempimento formale: un’occasione per capire obiettivi, orizzonte temporale e complessità patrimoniale. Solo così si può passare da una logica di prodotto e di asset allocation tattica a una pianificazione goal-based.
Servono modelli che integrino la componente gestoria e relazionale, in cui gestore e consulente/banker collaborano per offrire al cliente una gestione patrimoniale inserita in un percorso di consulenza più ampio e personalizzabile.
La tecnologia gioca qui un ruolo decisivo. Serve un’infrastruttura tecnologica flessibile e scalabile, processi automatizzati e industrializzabili. Servono piattaforme avanzate in grado di gestire portfolio picking, ottimizzazione, goal-based investing, profilazione evoluta, componenti di intelligenza artificiale, capaci di trasformare regole complesse in strumenti intuitivi, per guidare il consulente nella costruzione di portafogli personalizzati e coerenti con gli obiettivi dell’investitore.
Gli SMA stanno innescando una riflessione sulle sinergie possibili tra gestione patrimoniale personalizzata, consulenza evoluta e innovazione digitale, tra aspettative del cliente e sostenibilità del modello di servizio. Non si tratta solo di adottare una nuova offerta, ma di ripensare il modo in cui si costruisce fiducia e si genera valore nel tempo.
1 AIPB, “Analisi del mercato servito dal Private Banking”, dati al 31/12/2024
2 AIPB, “Analisi del mercato servito dal Private Banking”, dati al 31/12/2024
3 Dati PwC presentati durante l’evento “Separately Managed Account: la Via verso Gestione Evoluta, Consulenza e Valore?”, 22 maggio 2025
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---
### [Objectway mentioned in gartner’s market guide for digital banking platforms](https://objectway.com/objectway-mentioned-in-gartners-market-guide-for-digital-banking-platforms-2018/)
**Published:** February 17, 2019
**Author:** leo aloi
**Content:**
Milan, 7th December 2018
Gartner’s Market Guide for Digital Banking Platforms(1) references Objectway among 29 representative platforms for its eXtend solution.
This is not the first time Objectway is mentioned by Gartner, the world’s leading information technology research and advisory company: Objectway has been cited in three research documents, such as Banker’s Guide to Wealth Management Front-Office Systems(2), the Banker’s Guide to Mid- and Back-Office Systems(3), and Best Practices for WM CIOs Leverage Fintechs for Competitive Advantage(4).
“While we consider this mention as a testament to the quality of our work and the effectiveness of our solutions, we are actively pursuing our growth path for us and our clients’ productivity. We constantly strive to improve our processes and our products, to better serve our clients and deserve the continued attention from Gartner for many years to come,”**said Luigi Marciano, Objectway CEO.**
This Market Guide provides Gartner’s initial coverage of the market and focuses on the market definition, rationale for the market and market dynamics. The document allows CIOs to get a view of the digital banking platforms market, gives them food for thought on digital transformation in relation to their own organisation, and examines the representative platform alternatives.
Gartner does not endorse any vendor, product or service depicted in its research publications, and does not advise technology users to select only those vendors with the highest ratings or other designation. Gartner research publications consist of the opinions of Gartner’s research organization and should not be construed as statements of fact. Gartner disclaims all warranties, express or implied, with respect to this research, including any warranties of merchantability or fitness for a particular purpose.
(1) Gartner, “Market Guide for Digital Banking Platforms,” Stessa Cohen and Moutusi Sau, 27 August 2018.
(2) Gartner, “Banker’s Guide to Wealth Management Front-Office Systems,” Chuck Thomas, 21 November 2017
(3) Gartner, “Banker’s Guide to Wealth Management Mid- and Back-Office Systems,” Chuck Thomas, 21 November 2017
(4) Gartner, “Best Practices for WM CIOs to Leverage Fintechs for Competitive Advantage,” Chuck Thomas, 15 September 2017
**Categories:** Press Release
**Tags:** UK
---
### [Objectway triumphs for fourth year at the wealthbriefing european awards](https://objectway.com/objectway-triumphs-for-fourth-year-at-the-wealthbriefing-european-awards/)
**Published:** May 15, 2017
**Author:** leo aloi
**Excerpt:** Objectway announed that its Digital Management Platform was awarded "Best Front Office Solution".
**Content:**
# Objectway triumphs for fourth year at the WealthBriefing European Awards
15 May 2017 – Digital Wealth Management platform was crowned “Best Front Office Solution”.
Share[ Share ](# "Share this")[ Tweet ](# "Tweet this")[ Share ](# "Share this")
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Objectway, a leading provider of investment management and digital software solutions to the worldwide financial services industry, announced that its Digital Wealth Management platform was awarded “Best Front Office Solution” at the WealthBriefing European Awards 2017 held on 11 May in London’s Guildhall. One of six companies shortlisted in the category, Objectway prevailed in a strong field of leading players.
This achievement, Objectway’s fourth WealthBriefing European Awards in as many years, is yet another milestone that strengthens the company’s position as one of the outstanding players in the European wealth and investment management technology space.
**The judging panel** commented on Objectway’s winning entry “Our winner has put a great deal of work into developing a user-friendly front office solution. Judges felt its focus on design and ease of use comes through very clearly.”
The digital lifestyle of the investors is having a deep impact on their relationships with financial services firms. Several studies confirm that investors’ behaviour is changing. They want to access their investment advisors on their own terms, with the frequency and through the channels with which they are most comfortable.
[](https://www.objectway.com/)### Luigi Marciano
CEO, Objectway
Recognising these trends, Objectway has created **Digital Wealth Management** to accelerate the digitisation of the wealth management industry’s business processes and client experience. The winning Digital Wealth Management integrated solution supports the whole digital investment management process, enhancing the entire advisor-client relationship and enabling to reach next-gen investors and greater revenue growth. Through flexible and customisable engagement models, the platform offers front office advisors, relationship and portfolio managers a comprehensive suite of advisory and discretionary front office tools, complemented by best-in-class digital collaboration, communications and reporting. It easily integrates with existing legacy platforms and custodians, and automates operational processes while ensuring compliance with regulatory requirements.
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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---
### [Objectway mentioned in Gartner’s market guide for digital banking platforms](https://objectway.com/objectway-mentioned-in-gartners-market-guide-for-digital-banking-platforms/)
**Published:** June 21, 2017
**Author:** leo aloi
**Excerpt:** Objectway has been cited by Gartner's Market Guide for Digital Banking Platform in three research documents.
**Content:**
# Objectway mentioned in Gartner’s market guide for digital banking platforms
17 December 2018 – Objectway has been cited by Gartner’s Market Guide for Digital Banking Platform in three research documents among 29 representative platforms.
Share[ Share ](# "Share this")[ Tweet ](# "Tweet this")[ Share ](# "Share this")
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Gartner’s Market Guide for Digital Banking Platforms(1) references Objectway among 29 representative platforms for its eXtend solution.
This is not the first time Objectway is mentioned by Gartner, the world’s leading information technology research and advisory company: **Objectway has been cited in three research documents**, such as Banker’s Guide to Wealth Management Front-Office Systems(2), the Banker’s Guide to Mid- and Back-Office Systems(3), and Best Practices for WM CIOs Leverage Fintechs for Competitive Advantage(4).
This Market Guide provides Gartner’s initial coverage of the market and focuses on the market definition, rationale for the market and market dynamics. The document allows CIOs to get a view of the digital banking platforms market, gives them food for thought on digital transformation in relation to their own organisation, and examines the representative platform alternatives.
While we consider this mention as a testament to the quality of our work and the effectiveness of our solutions, we are actively pursuing our growth path for us and our clients’ productivity. We constantly strive to improve our processes and our products, to better serve our clients and deserve the continued attention from Gartner for many years to com.
[](https://www.objectway.com/)### Luigi Marciano
CEO, Objectway
**Gartner** does not endorse any vendor, product or service depicted in its research publications, and does not advise technology users to select only those vendors with the highest ratings or other designation. Gartner research publications consist of the opinions of Gartner’s research organization and should not be construed as statements of fact. Gartner disclaims all warranties, express or implied, with respect to this research, including any warranties of merchantability or fitness for a particular purpose.
(1) Gartner, “Market Guide for Digital Banking Platforms,” Stessa Cohen and Moutusi Sau, 27 August 2018.
(2) Gartner, “Banker’s Guide to Wealth Management Front-Office Systems,” Chuck Thomas, 21 November 2017
(3) Gartner, “Banker’s Guide to Wealth Management Mid- and Back-Office Systems,” Chuck Thomas, 21 November 2017
(4) Gartner, “Best Practices for WM CIOs to Leverage Fintechs for Competitive Advantage,” Chuck Thomas, 15 September 2017
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### [Objectway triumphs at the 2017 “systems in the city” awards, for the fourth year in a row](https://objectway.com/objectway-triumphs-at-the-2017-systems-in-the-city-awards-for-the-fourth-year-in-a-row/)
**Published:** July 13, 2017
**Author:** leo aloi
**Excerpt:** Objectway, a leading provider of investment management and digital software solutions, triumphed at the 2017 Goodacre “Systems in the City” Awards in London.
**Content:**
# Objectway triumphs at the 2017 “systems in the city” awards, for the fourth year in a row
13 July 2017 – Objectway, a leading provider of investment management and digital software solutions, triumphed at the 2017 Goodacre “Systems in the City” Awards in London.
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Objectway’s Digital Wealth Management platform crowned “Best Digital Advisor-Client Solution”.
Objectway, a leading provider of investment management and digital software solutions to the worldwide financial services industry, has added another prize to its trophy cabinet at the 2017 Goodacre “Systems in the City” Awards in London.
**Digital Wealth Management**, Objectway’s integrated solution supporting the whole digital investment management process, won the “**Best Digital Advisor-Client Solution**” prize. The company has also been confirmed as an accredited system provider with the **2017 GoodAccredited Standard** for the second consecutive year.
Managed by Goodacre UK, the leading specialist consultancy for the securities industry, the awards and the GoodAccreditation standard represent a primary endorsement for suppliers of services and systems to the regulated financial services sector in the UK, recognising the use of effective technology to meet clients’ demands and to comply with regulatory requirements.
The accreditation and award validate our strategy to offer the market a comprehensive solution integrating digital client on-boarding, engagement and collaboration, CRM, hybrid advisory, portfolio management and self-broking capabilities. Digital Wealth Management enhances the relationship among clients, advisors and firms through multiple channels and new digital services available in a single ecosystem. This enables financial institutions to acquire next-gen and digital savvy investors whilst reducing costs through operational efficiency.
[](https://www.objectway.com/)### Luigi Marciano
Chief Executive Officer, Objectway
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### [MCI and Objectway announce exclusive collaboration](https://objectway.com/mci-and-objectway-announce-exclusive-collaboration/)
**Published:** March 13, 2018
**Author:** leo aloi
**Excerpt:** Objectway and MCI Consultants (Pty) Ltd. (“MCI”) announce a collaboration to offer new software solutions for the Wealth and Asset Mgmt Market in South Africa.
**Content:**
# MCI and Objectway announce exclusive collaboration
13 March 2018 – Objectway and MCI Consultants (Pty) Ltd. (“MCI”) announce a collaboration to offer new software solutions for the Wealth and Asset Mgmt Market in South Africa.
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Objectway and MCI Consultants (Pty) Ltd. (“MCI”) are pleased to announce an exclusive collaboration to offer attractive, globally recognised and best-of-breed software solutions for the Wealth, Investment and Asset Management Market in South Africa.
**Objectway** is a TOP-100 global FinTech provider and a leader in the wealth and investment management software industry in Europe.
**MCI** is a South African company with over 20 years’ experience in the South African market and provides a holistic service through internally developing and tailoring business solutions to meet specific client requirements.
The combination of our companies’ products and services provide an exciting new wealth management solution & service offering for this evolving SA market.
[](https://www.mci.co.za/)### Aliki Droussiotis
Director, MCI
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### [Objectway announces a distributorship partnership with BML Istisharat](https://objectway.com/objectway-announces-a-distributorship-partnership-with-bml-istisharat/)
**Published:** March 21, 2018
**Author:** leo aloi
**Excerpt:** Objectway announced its distribution partnership with BML Istisharat
**Content:**
# Objectway announces a distributorship partnership with BML Istisharat
21 March 2018 – Objectway, a leading provider of investment management and digital software solutions to the global financial services industry, announced today its distribution partnership with BML Istisharat.
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A partnership that expands the market for Objectway solutions towards MENA.
The well-known Lebanon-based banking software provider will distribute Objectway’s solutions for Digital Wealth Management and Robo-Advisory to wealth and investment managers in the Levant and Gulf regions, and in MENA (Middle East and North Africa) more generally.
BML Istiharat works with more than 300 clients worldwide, including several Fortune 500 companies, and is certificated by ISO and Oracle. Compliance and compatibility are pillars of this partnership agreement, that widens Objectway’s commercial reach into the Middle East thanks to the proven international solutions from the Lebanese company.
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### [Objectway mentioned in Gartner reports](https://objectway.com/objectway-mentioned-in-gartner-reports-2/)
**Published:** March 23, 2018
**Author:** leo aloi
**Excerpt:** Gartner, the world’s leading information technology research and advisory company, cited Objectway in three research documents
**Content:**
# Objectway mentioned in Gartner reports
23 March 2018 – Objectway mentioned in Banker’s Guides to Wealth Management Front-Office Systems, and Mid- and Back-Office Systems, and in Best Practices for WM CIOs Leverage Fintechs for Competitive Advantage
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Gartner, the world’s leading information technology research and advisory company, cited Objectway in three research documents, the Banker’s Guide to Wealth Management Front-Office Systems1, the Banker’s Guide to Mid- and Back-Office Systems2 and Best Practices for WM CIOs Leverage Fintechs for Competitive Advantage.3
In the Banker’s Guides to Wealth Management Front, Mid- and Back-Office Systems, Gartner assessed 23 wealth management front, mid- and back-office systems representative providers worldwide. The first guide recommends, “CIOs designing operations and architectures for the digital wealth management firm should: create a holistic client view to enhance service and improve advisor productivity by focusing on front-office system vendors that include or support the integration of data from CRM, financial planning, portfolio management and proposal workflow applications.” The second one recommends, “CIOs designing operations and architectures for the digital wealth management firm: determine the suitability of vendor mid- and back-office system offerings for your firm’s specific needs by using Gartner’s survey data to assess vendors’ functional capabilities in five key areas – reporting, compliance, order management, data administration and other functionality.”
As part of the Banker’s Guide to Front-Office Systems, Objectway products were addressed in the survey.
“We feel that our modular and scalable platform Objectway Extend covers both front office capabilities, to engage current and digitally aware clients in a more personalised and proactive manner, and the above mentioned mid-back office functionalities, which are critical to support wealth management firms’ productivity, profitability and operational efficiency,” **said Luigi Marciano, Objectway CEO**.
Objectway was also mentioned in the report Best Practices for WM CIOs to Leverage Fintechs for Competitive Advantage. The report notes four key areas where fintechs can impact wealth management: client acquisition and support; investment research and management; relationship manager productivity; and governance, risk management and compliance.
We proudly consider this mention as a result of our work to enhance relationship managers’ efficiency in spaces such as investment portfolio construction, investment performance, analytics, multichannel engagement and reporting.
[](https://www.objectway.com/)### Luigi Marciano
CEO, Objectway
Gartner does not endorse any vendor, product or service depicted in its research publications, and does not advise technology users to select only those vendors with the highest ratings or other designation. Gartner research publications consist of the opinions of Gartner’s research organization and should not be construed as statements of fact. Gartner disclaims all warranties, express or implied, with respect to this research, including any warranties of merchantability or fitness for a particular purpose.
1Gartner, “Banker’s Guide to Wealth Management Front-Office Systems,” Chuck Thomas, 21 November 2017.
2Gartner, “Banker’s Guide to Wealth Management Mid- and Back-Office Systems,” Chuck Thomas, 21 November 2017.
3Gartner, “Best Practices for WM CIOs to Leverage Fintechs for Competitive Advantage,” Chuck Thomas, 15 September 2017.
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### [Ramsey Crookall & Co. Ltd invests for growth and commits to Objectway’s Wealth in One solution](https://objectway.com/ramsey-crookall-co-ltd-invests-for-growth-and-commits-to-objectways-wealth-in-one-solution/)
**Published:** May 21, 2018
**Author:** leo aloi
**Excerpt:** Objectway’s Wealth In One Solution will provide Ramsey Crookall with an integrated and innovative solution to enhance their offering to clients.
**Content:**
# Ramsey Crookall & Co. Ltd invests for growth and commits to Objectway’s Wealth in One solution
21 May 2018 – Objectway’s Wealth In One Solution will provide Ramsey Crookall with a fully integrated and innovative solution to enhance their offering to clients.
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Objectway, a leading provider of investment management and digital software solutions to the worldwide financial services industry, announced today that it has signed a contract to deliver and implement Wealth In One, the digitally enabled wealth management solution, at Ramsey Crookall.
Ramsey Crookall is the Isle of Man’s longest-established independent firm of stockbrokers and investment managers, providing full service stockbroking and wealth management to private & institutional clients and advisors.
Objectway, already providing Ramsey Crookall with Clearing & Settlement and Portfolio Management capabilities, is now to enhance this with CRM, Onboarding and an omni-channel, omni-device digital service through the deployment of the wholly integrated solution, Wealth In One. Wealth In One will fully support their operational activities and significantly enhance their digital capabilities, allowing Ramsey Crookall to engage with clients flexibly and efficiently, in a digital manner.
“Having partnered with Ramsey Crookall for a number of years we are delighted to enter into a new chapter with them,” **said Luigi Marciano, CEO at Objectway**. “Despite tough competition, Ramsey Crookall could see the value and benefits of a single vendor, fully integrated, fully managed and digitally enabled solution. This confirms that digital interaction is key today, enabling clients, investment managers and the firm to efficiently collaborate in a hybrid manner via a secure and fully compliant environment.”
At Ramsey Crookall we pride ourselves on delivering a first-class service to our clients and are willing to invest in technology to enable this. Clients are demanding more information and faster interaction from us, whilst we have to find new ways to automate and deliver a more efficient service. Objectway’s Wealth In One solution will ensure that we continue to deliver the level of service expected by our clients and in the tailored manner that they demand, but importantly, offer greater flexibility and agility to support our expansion.
[](https://ramseycrookall.com/)### Joanna Crookall
CEO, Ramsey Crookall & Co. Ltd
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### [70% of wealth management firms are investing in digital technology as main priority for 2018](https://objectway.com/70-of-wealth-management-firms-are-investing-in-digital-technology-as-main-priority-for-2018/)
**Published:** May 30, 2018
**Author:** leo aloi
**Excerpt:** The annual report commissioned by Objectway and conducted by Compeer, aimed to investigate how UK Wealth Management firms can improve their profitability
**Content:**
# 70% of wealth management firms are investing in digital technology as main priority for 2018
30 May 2018 – The Compeer Objectway report on Wealth Management trends shows “operational efficiencies” as a distant second driver.
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Over two thirds of firms are prioritizing investment in digital technologies this year, says the 2018 edition Compeer Objectway report Squaring the circle: to How To Improve The Quality Of Client Service As Well As Profitability.
The annual report was commissioned by Objectway and conducted by Compeer, with the aim of **investigating how UK Wealth Management firms can improve the quality of client service** and at the same time improving profitability. While 70% of the firms point to investment in digital technologies as a first priority, 30% indicated operational efficiency as a second priority, followed by several minor priorities such as, client management or regulatory changes.
This report is a snapshot of the direction that technology in UK Wealth Management is taking and well worth a read to fully appreciate the direction of travel in the market.
[](https://www.objectway.com/)### Peter Schramme
Chief Business Development Officer, Objectway
The report was compiled from data collected via face to face interviews conducted with a variety of UK Wealth Management firms and an on-line questionnaire. The report is freely downloadable from Objectway website.
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### [Objectway mentioned in Gartner reports](https://objectway.com/objectway-mentioned-in-gartner-reports/)
**Published:** February 17, 2019
**Author:** leo aloi
**Excerpt:** Objectway has been cited in three different documents by Gartner's Reports among 23 wealth management front, mid- and back-office systems.
**Content:**
# Objectway mentioned in Gartner reports
23 March 2018 – Objectway mentioned in Banker’s Guides to Wealth Management Front-Office Systems, and Mid- and Back-Office Systems, and in Best Practices for WM CIOs Leverage Fintechs for Competitive Advantage
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Gartner, the world’s leading information technology research and advisory company, cited Objectway in three research documents, the Banker’s Guide to Wealth Management Front-Office Systems1, the Banker’s Guide to Mid- and Back-Office Systems2 and Best Practices for WM CIOs Leverage Fintechs for Competitive Advantage3.
In the Banker’s Guides to Wealth Management Front, Mid- and Back-Office Systems, Gartner assessed 23 wealth management front, mid- and back-office systems representative providers worldwide. The first guide recommends, “CIOs designing operations and architectures for the digital wealth management firm should: create a holistic client view to enhance service and improve advisor productivity by focusing on front-office system vendors that include or support the integration of data from CRM, financial planning, portfolio management and proposal workflow applications.” The second one recommends, “CIOs designing operations and architectures for the digital wealth management firm: determine the suitability of vendor mid- and back-office system offerings for your firm’s specific needs by using Gartner’s survey data to assess vendors’ functional capabilities in five key areas – reporting, compliance, order management, data administration and other functionality.”
As part of the Banker’s Guide to Front-Office Systems, Objectway products were addressed in the survey.
“We feel that our modular and scalable platform Objectway Extend covers both front office capabilities, to engage current and digitally aware clients in a more personalised and proactive manner, and the above mentioned mid-back office functionalities, which are critical to support wealth management firms’ productivity, profitability and operational efficiency,” said **Luigi Marciano.**
Objectway was also mentioned in the report Best Practices for WM CIOs to Leverage Fintechs for Competitive Advantage. The report notes four key areas where fintechs can impact wealth management: client acquisition and support; investment research and management; relationship manager productivity; and governance, risk management and compliance.
Gartner does not endorse any vendor, product or service depicted in its research publications, and does not advise technology users to select only those vendors with the highest ratings or other designation. Gartner research publications consist of the opinions of Gartner’s research organization and should not be construed as statements of fact. Gartner disclaims all warranties, express or implied, with respect to this research, including any warranties of merchantability or fitness for a particular purpose.
We proudly consider this mention as a result of our work to enhance relationship managers’ efficiency in spaces such as investment portfolio construction, investment performance, analytics, multichannel engagement and reporting.
[](https://www.objectway.com/)### Luigi Marciano
CEO, Objectway
1Gartner, “Banker’s Guide to Wealth Management Front-Office Systems,” Chuck Thomas, 21 November 2017.
2Gartner, “Banker’s Guide to Wealth Management Mid- and Back-Office Systems,” Chuck Thomas, 21 November 2017.
3Gartner, “Best Practices for WM CIOs to Leverage Fintechs for Competitive Advantage,” Chuck Thomas, 15 September 2017.
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### [Objectway acquires Algorfin](https://objectway.com/objectway-acquires-algorfin/)
**Published:** March 5, 2019
**Author:** leo aloi
**Excerpt:** Read more about acquisition of Algorfin by Objectway
**Content:**
# Objectway acquires Algorfin
5 March 2019
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[ADN Kronos – Objectway acquisisce Algorfin da Unione Fiduciaria](https://www.adnkronos.com/immediapress/pr-newswire/2019/01/21/objectway-acquisisce-algorfin-unione-fiduciaria_rN55p25QzFOiFI4s4R4o8L.html)
[Libero – Objectway acquisisce Algorfin da Unione Fiduciaria](https://www.liberoquotidiano.it/news/comunicati/13421523/objectway-acquisisce-algorfin-da-unione-fiduciaria.html)
[Milano Finanza – Objectway acquisisce Algorfin da Unione Fiduciaria](https://www.milanofinanza.it/news/objectway-acquisisce-algorfin-da-unione-fiduciaria-201901210839214739)
[La mia finanza – Objectway acquisisce Algorfin da Unione Fiduciaria](https://www.lamiafinanza.it/it/sala-stampa/59270-objectway-acquisisce-algorfin-da-unione-fiduciaria)
[AziendaBanca – A Objectway la divisione software e servizi di UF](https://www.aziendabanca.it/notizie/objectway-unione-fiduciaria-algorfin)
[Citywire – Objectway fa un altro passo nel fintech e compra Algorfin](https://citywire.it/news/objectway-fa-un-altro-passo-nel-fintech-e-compra-algorfin/a1193244)
[WealthBriefing – The latest M&A deals in wealth management](http://www.wealthbriefing.com/html/article.php?id=182399#.XEsYy1xKg2w)
[Private Banker International – Objectway acquires wealth tech provider Algorfin](https://www.verdict.co.uk/private-banker-international/news/objectway-acquires-algorfin/)
[Managers of Wealth – Objectway acquires IT and administrative outsourcing services firm](http://managersofwealth.com/article/65131)
[EU Bankers – Objectway acquires IT and administrative outsourcing services firm](http://eubankers.net/article/68519)
[Finextra – Objectway acquires Algorfin](https://www.finextra.com/pressarticle/76999/objectway-acquires-algorfin)
[Yahoo Finance – Objectway acquiert Algorfin d’Unione Fiduciaria](https://fr.finance.yahoo.com/actualites/objectway-acquiert-algorfin-dunione-fiduciaria-050000925.html)
[Finanzen – Objectway erwirbt Algorfin von Unione Fiduciaria](https://www.finanzen.net/nachricht/aktien/objectway-erwirbt-algorfin-von-unione-fiduciaria-7043935)
[La Vanguardia – Objectway adquiere Algorfin de Unione Fiduciaria](https://www.lavanguardia.com/vida/20190121/454224079810/comunicado-objectway-adquiere-algorfin-de-unione-fiduciaria.html)
**Enjoy the reading!**
## Related
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[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
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### [Objectway’s advisor supporting and client facing technologies obtain mention by Gartner](https://objectway.com/objectways-advisor-supporting-and-client-facing-technologies-obtain-mention-by-gartner/)
**Published:** March 11, 2019
**Author:** leo aloi
**Excerpt:** Objectway gets mentioned again by Gartner, the world’s leading information technology research and advisory company, in two recent reports.
**Content:**
# Objectway’s advisor supporting and client facing technologies obtain mention by Gartner
11 March 2019 – The firm’s wealthtech suite, eXtend, blends multiple modular capabilities to compose specific solutions for advisor productivity and client digital interactions.
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Objectway gets mentioned again by Gartner, the world’s leading information technology research and advisory company, in two recent reports.
In the report **Integrate Advisor Supporting Technologies Into Digital Platforms to Accelerate Advisor Adoption(1)**, Objectway is cited in the context of existing advisor technologies, as provider of **financial planning**, **portfolio management** and **all-in-one wealth platforms**, and in the emerging technologies landscape, for its client collaboration tools. These tools increase advisor productivity by integrating advisor desktop components and by automating workflows to free up valuable time.
On the other side of the coin, client-facing tools and enhanced digital interactions are priorities for wealth firms, but offerings currently fall short, resulting in low client ratings and usage, according to Gartner’s report **Enhance the Collaboration Experience in Client-Facing Technology to Improve Digital Empathy(2)**.
In this research document, Objectway is mentioned as a representative vendor for client-facing **mobile apps**. These are tools that can improve advisor-client real time collaboration through video-chat, co-browsing, instant messaging. CIOs delivering the digital banking experience can enhance digital empathy by optimising digital collaboration, as Gartner states.
Objectway’s wealthtech suite, eXtend, is progressively gaining traction in the Wealth and Investment Management industry as the digital platform of choice to respond to the increasing demand for a shift from a transaction-based approach, to an advisor-client interaction having a positive impact on investors’ lives and goals.
We are proud the investments in our digital unified platform have been reflected in these mentions. Our wealthtech suite’s modular capabilities can be blended to compose solutions for business-specific needs, flexibly deployed on premise or on cloud, thus enabling a competitive advantage for our clients.
[](https://www.objectway.com/)### Luigi Marciano
CEO, Objectway
(1) Integrate Advisor Supporting Technologies Into Digital Platforms to Accelerate Advisor Adoption, Darrin Courtney, 4 December 2018
(2) Enhance the Collaboration Experience in Client-Facing Technology to Improve Digital Empathy, Darrin Courtney, 4 December 2018
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### [Objectway’s financial chatbot at the CINI National Conference on artificial intelligence](https://objectway.com/objectways-financial-chatbot-at-the-cini-national-conference-on-artificial-intelligence/)
**Published:** March 25, 2019
**Author:** leo aloi
**Excerpt:** Objectway presented its financial chatbot at CINI Conference. The project aimed to implement a new service model for financial institutions.
**Content:**
# Objectway’s financial chatbot at the cini national conference on artificial intelligence
25 March 2019 – A new service model for informative and proactive investment operations.
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Objectway presented the contribution “A Financial Chatbot for the Unified Wealth Management Platform Project” during the workshop “AI for Finance, Commerce and Legal Issues” within Ital-IA, the first national CINI (National Inter-university Consortium for Computer Science) Conference on artificial intelligence, held on 18 and 19 March in Rome, at the Confindustria headquarters.
The event was created to develop common objectives between public institutions, industry and scientific research, creating a network among all the Italian companies interested in grasping the potential for development related to **Artificial Intelligence**, considered **the most strategic and disruptive technology of the 21st century**. It is actually the first time that the entire Italian scientific landscape has converged in a single conference, from universities to public research centres (such as the National Research Council and the Italian Technology Institute) and from Italian companies and start-ups to public institutions.
The Objectway project, carried out in collaboration with the Computer Science Department of the University of Bari Aldo Moro, intends to implement a new service model in the world of financial institutions that uses artificial intelligence to deliver information and implement orders through a conversational agent.
The chatbot has been implemented taking into account the specific requirements of the financial sector, and uses natural language (Natural Language Processing) to reduce the complexity of interaction. Moreover, the bot acts in a reactive manner, answering the user’s questions and implementing their requests. The chatbot avoids requesting information already in its possession, recognising, for example, the beneficiaries of bank transfers. It is also able to manage word disambiguation by asking further questions.
In addition to this conversational agent, we are working to support the advisory activity with predictive analytics. In the wealth segment, automation must support service customisation, in an area where the ability of artificial intelligence to justify the suggestions provided and the advisor’s relationship with the customer remain fundamental.
[](https://www.objectway.com/)### Georgios Lekkas
Chief Product Officer, Objectway
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### [James Sharp & Co choose Objectway as partner for growth](https://objectway.com/james-sharp-co-choose-objectway-as-partner-for-growth/)
**Published:** June 6, 2019
**Author:** leo aloi
**Excerpt:** Objectway’s Wealth In One Solution deployed at James Sharp & Co to improve efficiency and provide a digitally enabled platform for their expanding business.
**Content:**
# James Sharp & Co choose Objectway as partner for growth
6 June 2018 – Objectway’s Wealth In One Solution to be deployed at James Sharp & Co to improve efficiency and provide a digitally enabled platform for their expanding business.
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Objectway, a leading provider of investment management and digital software solutions to the financial services industry, announced today that it has signed a contract to deliver and implement Wealth In One at James Sharp & Co.
James Sharp, based in Bury, Greater Manchester, pride themselves on the quality of service provided to their growing client base and the longevity of many of their client relationships. As a successful and forward-looking business, James Sharp recognised the need to invest in the technology used to provide their service to clients. In doing so, they approached Objectway to provide a full, front to back solution that would deliver a digitally enabled platform to future proof their business.
Wealth In One is a fully integrated solution for Wealth Managers, that supports any business model through the deployment of Objectway’s Best of Breed components (Clearing & Settlement, Portfolio Management, CRM and client portal). Provided as a managed solution, that is both scalable and highly configurable, it is particularly attractive to businesses that are expanding and evolving.
“It has been a pleasure to engage with James Sharp, a firm that understand the benefits of a well thought out approach to digital technology and one willing to embrace technology to empower and improve their customer service”, **said Luigi Marciano Founder & CEO at Objectway**. “Although not the only option open to James Sharp, we were able to convince them that we were the right partner to work with and our modular, fully integrated solution resonated with their evolutionary approach. The deployment of Wealth In One will ensure that they can collaborate with their clients via a fully compliant, and a functionally rich solution.”
As an independent partnership of 130 years, James Sharp has always needed to adapt and evolve to meet the demands of its clients. With the increased use of technology, we felt the time was right for James Sharp to transform once again. We want to be able to continue serving our clients with the same professionalism and high-level of service that they have come to expect, whilst offering them the flexibility to interact with us in real time and across all channels and devices.
[](https://www.jamessharp.co.uk/)### Martin Entwistle
Partner, James Sharp & CO
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### [Objectway speeds up compliance for investment firms with holistic approach to Senior Managers and Certification Regime (SM&CR)](https://objectway.com/objectway-speeds-up-compliance-for-investment-firms-with-holistic-approach-to-senior-managers-and-certification-regime-smcr/)
**Published:** December 3, 2020
**Author:** Lorenzo Noventa
**Content:**
# Defined by the FCA as “a catalyst for change”, the SM&CR represents an opportunity to enhance healthy cultures and effective governance in financial institutions, requiring greater accountability both individually and within a firm, and setting a new standard of personal conduct and competence.
The most recently published, and the upcoming deadlines of Directory Persons data for dual and solo regulated firms have been putting pressure on financial institutions.
Objectway observes many investment firms looking for a solution specifically designed to assist their compliance in a timely, efficient and cost-effective manner. Scalability is another characteristic they look at, to accompany their growth in dimensions and in organisation complexity. Furthermore, access to data should be granted any time for continuous SM&CR data management, monitoring and reviewing. A paperless process would complement the fitting solution for complying with the Regime.
“In the search for solutions, RegTech can certainly help,” commented **Alberto Cuccu, Objectway CEO for the UK**. “But there is a risk that RegTech could be deployed as standalone point applications when, in reality, such solutions need to be part of a broader support, to simplify and speed up compliance and release of regulatory requirements. Objecway adopted a holistic approach to support its clients in this area, integrating its industry competence with support through specific tools.”
**Categories:** Press Release
**Tags:** UK
---
### [Senior Leaders ESG Forum hosted by Compeer and Objectway highlights an overarching need for common standards](https://objectway.com/senior-leaders-esg-forum-hosted-by-compeer-and-objectway-highlights-an-overarching-need-for-common-standards/)
**Published:** June 25, 2021
**Author:** Lorenzo Noventa
**Excerpt:** How to align ESG philosophy, investment strategy and regulation compliance to avoid greenwashing and provide valuable Client reporting.
**Content:**
**London, 25th June 2021** – The inaugural meeting of **The Senior Leaders ESG Forum** brought together a group of leading wealth management firms to discuss the opportunities and challenges associated with ESG investing.
The forum was chaired by **Compeer**, the benchmarking and research firm, and hosted in conjunction with **Objectway**, a leading digital wealth & asset management software provider.
Participating firms were a broad and diverse representation of the wealth management industry including Quintet, Punter Southall Wealth, Quilter Cheviot, Goodbody and Killik. Presentations made by Compeer, Objectway and Macfarlanes, a leading law firm, provided insights and helped guide a wide-reaching discussion.
Key points arising from the discussion included:
– Aligning ESG philosophy, investment strategy and data is crucial if firms are to avoid greenwashing.
– Regulation is expected to drive and ultimately define the delivery of ESG to clients.
– Client reporting is a complex challenge due to lack of standardisation of ESG-related data.
The forum discussion centred on the state of ESG readiness in wealth management as well as the following:
– What are the key business objectives to consider when forming an ESG strategy?
– How have client expectations around ESG evolved during the pandemic?
– What could the ESG regulatory journey look like?
The question of how to **avoid greenwashing** will become more prevalent as firms develop their ESG proposition. Beyond best intentions, they should look to safeguard themselves through portfolio transparency and utilise suitability reviews to gain a clear and meaningful understanding of client ESG preferences.
Considerations around **client preferences and data quality are imperative** as firms adapt their client reporting function to uphold the requirements of upcoming ESG regulations. They acknowledge **technology has an important role** to play in dealing with the complexities in a consistent and cost effective manner.
Based on the discussions there is a clear **need for definitions and rules on ESG from the regulator**.
All eyes are on the FCA to see whether they will follow in the footsteps of the EU or carve a different regulatory path. Recent changes to MiFID II and SFDR have not made it clear what is expected from wealth managers and advisers in the UK. The consensus among wealth managers is that while client demand is bringing attention to ESG, ultimately, regulation is what will drive and shape their ESG offering. The input of the FCA and dialogue with firms would be greatly valued and will be consequently sought at future meetings of the forum.
The useful insights emerged during this inaugural meeting have been collected in a short research paper available for download **[HERE](https://objectway.com/download/?lang=en)**.
The Senior Leaders ESG Forum will continue to serve as a platform for wealth management firms to exchange ideas, shape thought leadership and help define industry best practise.
Compeer and Objectway will host quarterly meetings with a research led focus covering ESG and other emerging relevant topics in further detail.
**Categories:** Press Release
**Tags:** UK
---
### [Objectway Acquires Leading German Core Banking Software Specialist Die Software Peter Fitzon](https://objectway.com/objectway-acquires-leading-german-core-banking-software-specialist-die-software-peterfitzon/)
**Published:** August 10, 2021
**Author:** Lorenzo Noventa
**Excerpt:** Objectway acquired Die Software Peter Fitzon GmbH, German provider of Core Banking solutions fulfilling the needs of private, retail and central banks.
**Content:**
# Objectway Acquires Leading German Core Banking Software Specialist Die Software Peter Fitzon
**Milan, 10th August 2021** – Objectway, Global Top 100 fintech leader in the Digital Wealth and Asset Management software, announced today the acquisition of Die Software Peter Fitzon GmbH (DSW), a primary German provider of Core Banking solutions.
Founded in 1990, Objectway provides leading financial institutions with state-of-the-art technology to support their digital transformation programs, supplying front-to-back, intelligent and cloud-ready solutions that power up customer engagement, front-office productivity and back-office operational efficiency. Die Software is a leading provider of Core Banking solutions in German-speaking Europe, with more than 35 years of market presence. Its complete, open and modular platform fulfils the needs of prominent private banks, retail banks and central banks in the DACH area and in Luxembourg.
With this acquisition, Objectway complements and strengthens its Wealth and Asset Management offerings with a solid and comprehensive Core Banking platform. This creates an open, modular, end-to-end **banking suite** geared to support the digital transformation of **private banks, retail banks, wealth and asset managers**, further driving the future expansion in EMEA and globally.
As an EMEA leader in digital banking solutions, Objectway will now serve more than 200 clients in the region, boosting revenues in excess of €100 million.
“Die Software-team has done a fantastic job in developing a world-class banking platform with a loyal client base. Objectway places great importance on continuing to develop and evolve core banking platforms of its customers and to build long-term commercial relationships” said **Luigi Marciano, Founder and CEO of the Objectway Group**. “We aim at creating a unique and complete banking suite that combines Die Software solutions with Objectway’s cutting-edge technologies in digital client management, investment advisory and portfolio management, to be deployed through Business Process as a Service (BPaaS) and Software as a Service (SaaS) models. We will also promote the global expansion of Die Software solutions by taking advantage of our presence in UK, Italy, Benelux and beyond”.
“We are delighted to be joining the Objectway Group, a solid and highly trusted company with a long-lasting track record in the industry. This will further help to enhance our client coverage and geographical footprint across EMEA” said **Peter Fitzon, Die Software Founder**. “With Objectway, we found a perfect new home to continue our growth path, providing our staff and clients peace of mind that our heritage will be in good hands in this ever changing environment”.
“Our companies have a common DNA rooted in inherent culture of professionalism and drive for dependable perfection. We also believe in strong customer focus, delivering value and service quality in partnership with our clients. This makes our combined business highly promising for both firms, but also for our current and future customers, giving our talented and ambitious teams exciting goals and achievements to aspire for,” said **Klaus Friese, Die Software Co-Owner and Managing Director**. “The whole Die Software team is committed to driving forward our new group strategy and with such an established international player we will be able to support our development in the long-term guaranteeing continuity, stability and an exciting future of accelerated growth in new markets”.
Core banking solutions were built historically on reliability rather than open architectures. Digital banking, APIs and Cloud have created a significant shift in the way banking products are constructed. Financial institutions now need to address the imperatives underpinning next-generation core banking applications (in terms of scale, functionality, integration and the public cloud) to be able to process transactions in real time, release new features frequently and scale up their IT infrastructures. The combined Objectway and Die Software value proposition will respond to these new requirements, with the aim to become the fintech partner of choice for financial institutions.
Objectway was advised by BNP Paribas, Giovannelli e Associati studio legale, Loeschner Rechtsanwaltsgesellschaft, Accuracy, Hilex – Avvocati associati, P+P Pöllath + Partners Rechtsanwälte und Steuerberater, Flick Gocke Schaumburg, and Tax Partner AG.
Die Software Peter Fitzon was advised by IPontix Corporate Finance and Witzel Erb Backu & Partner Rechtsanwälte BNL is acting as sole lead manager and bookrunner on the associated financing.
**Objectway**
Building on more than 30 years of business expertise, Objectway is a fast-growing international player in the Wealth and Asset Management space empowering clients to embrace their future challenges while providing great performance today. The company is a future-proof technology provider with a well-established track record in the financial services industry.
The group is a Global Top 100 fintech provider (IDC ranking), whose clients include 200+ leading Wealth Managers, Banks, Asset Managers, Fund Managers, Insurers and Outsourcing providers in more than 15 countries. Objectway operates from offices in Italy, UK, Ireland and Belgium serving clients in 4 continents, and supporting approximately 100,000 investment professionals to manage more than £1 trillion in assets.
**Die Software**
Die Software is one of the leading providers of core banking solutions in German-speaking Europe, with more than 35 years of banking experience. Founded in 1983, Die Software has over 140 staff members working from the company’s locations in Munich and in Zurich. Its modular Core Banking system fits the needs of banks of all sizes and business models. Clients include leading private banks, retail banks and special institutions in Germany, Austria and Switzerland as well as in Luxembourg.
Die Software connects all ecosystem players via an open architecture. Through best-practice processes, integrated EU regulation standards and established business logic, Die Software provides clients with a competitive advantage. The Core Banking platform offers a hub for the digitalisation of all business models and drives the banking of the future.
**Categories:** Press Release
**Tags:** UK
---
### [RAQUEST and DIE SOFTWARE Objectway Group enter into strategic partnership](https://objectway.com/raquest-and-die-software-objectway-group-enter-into-strategic-partnership/)
**Published:** April 25, 2022
**Author:** Lorenzo Noventa
**Excerpt:** Raquest's withholding tax tool will be directly linked to Objectway‘s core banking solutions OBS for an end-2-end digitalized reclaim process.
**Content:**
# The withholding tax fintech RAQUEST signs a strategic partnership agreement with DIE SOFTWARE Objectway Group. RAQUEST is the leading software for relief at source and reclaim of foreign withholding taxes and provides banks with an uncomplicated automated claiming process. As part of the partnership, the RAQUEST software will be directly linked to Objectway‘s core banking solutions OBS via a standard interface.
Every year, shareholders lose billions of euros in overpaid withholding tax to foreign tax authorities as dividends received from capital gains are subject to double taxation. Overpaid withholding tax is often not reclaimed because the process is bureaucratic and complex. The RAQUEST software offers financial institutions an easy, yet reliable way for relief at source and reclaim of withholding tax through automated digital processing. A service that both banks and shareholders significantly profit from.
Thanks to the partnership with DIE SOFTWARE Objectway Group, the withholding tax tool [RAQUEST](http://www.raquest.de/en) can now be directly connected to Objectway‘s core banking solutions OBS via a standard interface. This enables an end-2-end digitalized reclaim process, as data from the core banking system can be transferred directly to RAQUEST.
“We are delighted to have partnered with DIE SOFTWARE Objectway Group, a leading provider of core banking software in German-speaking Europe and part of the Global Top 100 fintech provider Objectway, to support financial institutions in their key challenges: customer centricity, end-to-end process digitization and profitability. The partnership offers significant added value for both parties, for banks and their end customers. By giving more customers access to automated withholding tax reclaim, in turn RAQUEST GmbH can strengthen its growth as well as its position as a market leader – a win-win for everyone involved,” said Alexander Lerch, CEO of RAQUEST GmbH.
“We are very pleased to partner closely with RAQUEST to the benefit of our customers. By connecting RAQUEST to our core banking solutions OBS via a standard interface, the withholding tax tool can automatically receive data from OBS. This gives us an end-2-end digitized processing of withholding taxes and together we make an important contribution to the digitization of backoffice operations. Banks that use our core banking solutions OBS can also offer their customers an important service for the after-tax performance with RAQUEST,” says Karl im Brahm, CEO of Die Software Objectway Group GmbH.
**Categories:** Press Release
**Tags:** UK
---
### [Performance & Risk La gestione del rischio nella consulenza e nel Wealth Management: adeguatezza e Analisi di portafoglio](https://objectway.com/la-gestione-del-rischio-nella-consulenza-e-nel-wealth-management-adeguatezza-e-analisi-di-portafoglio/)
**Published:** July 25, 2024
**Author:** Leonardo Scarpa
**Excerpt:** Negli ultimi anni anche per il Wealth Management è emersa l’esigenza di costruire processi di consulenza basati su processi di investimento solidi.
**Content:**
###### July 25, 2024
# La gestione del rischio nella consulenza e nel Wealth Management: adeguatezza e Analisi di portafoglio
[Marco Migliorin](https://www.linkedin.com/in/marco-migliorin-b963121b/)
Senior Business Leader at Objectway
Performance & Risk
- [ITA](#tab-1750433677673-1)
- [ENG](#tab-1750433677737-2)
[\#Mifid](/mifid/)[\#Portfoliomanagement](/portfolio-management-h/)[\#PortfolioOptimisation](/portfolio-optimisation/)[\#RiskManagement](/risk-management/)[\#Regtech](/regtech/)
Negli ultimi anni, il settore della gestione del risparmio in ambito di consulenza finanziaria e gestione di portafogli individuali ha visto una crescita competitiva significativa. Cercando di trarre vantaggio da competenze e analisi una volta appannaggio esclusivo del mondo dell’asset management, è emersa l’esigenza di costruire, anche per il Wealth Management, processi di consulenza basati su solidi processi di investimento, che riguardano le aree di: monitoraggio preventivo (analitycs di rischio ex – ante), costruzione di portafoglio (asset allocation e ottimizzatori), monitoraggio ex – post (performance realizzata e rendimenti di portafoglio).
Questa tendenza è stata guidata da una varietà di fattori che variano da paese a paese, tra cui:
- Miglioramento della qualità del servizio: Gli operatori del settore hanno cercato di incrementare la qualità dei servizi offerti, mantenendo i costi per la clientela finale il più contenuti possibile.
- Normative e regolamenti: Le normative, come la MIFID, hanno avuto un impatto significativo, imponendo nuovi standard di conformità e trasparenza. In Italia, ad esempio, l’effetto della MIFID è stato più pronunciato rispetto ad altri paesi, spingendo le istituzioni a destinare budget consistenti a progetti di compliance.
Uno degli aspetti maggiormente influenzati è la gestione del rischio del portafoglio. La normativa richiede un controllo rigoroso dei rischi di mercato, credito e liquidità per i patrimoni dei clienti privati sottoposti a consulenza. In Italia, questo ha portato a un uso intensivo di metriche di rischio per soddisfare i requisiti normativi, spesso a scapito di un approccio proattivo alla gestione del portafoglio.
In altri paesi, come il Regno Unito, l’approccio alla regolamentazione del rischio è stato meno rigido. Qui, il controllo del rischio di mercato si è tradotto principalmente in vincoli di esposizione a determinate classi di asset, con un uso meno sofisticato di tecniche quantitative. Questo ha permesso una maggiore vicinanza ai modelli di gestione del rischio tipici dell’asset management, dove il linguaggio comune e l’approccio ai fattori di rischio sono più integrati.
Per meglio comprendere questa evoluzione, in occasione della conferenza “Portfolio Analytics: Risk, Performance, Style & Sustainability”, organizzata dal REPAiR LAB di SDA Bocconi – School of Management, abbiamo presentato ed analizzato due progetti di piattaforme di consulenza che abbiamo sviluppato in Italia e nel Regno Unito. L’approccio a entrambi i progetti si è basato su una partnership win-win tra Obejctway, in quanto fornitore di soluzioni e piattaforme di financial advisory che utilizza un motore di rischio che consente di calcolare diverse misure, e Confluence, che sviluppa le capacità di analisi per ciascun singolo strumento secondo un apparato metodologico robusto e attraverso un approccio industriale.
La sinergia non sovrapposta tra le due società si è esplicata nella disponibilità di determinati elementi costitutivi alla base dei calcoli dei rischi normativi: le serie storiche stimate dei rendimenti dei singoli strumenti sottoposti ad analisi, secondo l’approccio HS, per il rischio mercato, la perdita attesa a un anno a livello di strumento legata al puro rischio di credito per il rischio di credito, la perdita potenziale associata allo smobilizzo più o meno tempestivo della posizione per il rischio di liquidità.
Il caso italiano
L’istituto italiano che abbiamo analizzato serviva principalmente una clientela private, con esigenze di maggiore personalizzazione rispetto alle banche retail. La soluzione ha messo a disposizione un motore di rischio per il controllo di adeguatezza del rischio mercato, credito e liquidità del portafoglio. Per il rischio mercato, la misura prescelta è stata la volatilità annualizzata secondo l’approccio di HS, utilizzando le serie storiche dei rendimenti giornalieri nella divisa di denominazione dei portafogli (EUR). La profondità storica era stata fissata a due anni, sebbene alcuni clienti preferissero tre anni o periodi più lunghi.
A livello operativo, il valore di rischio portafoglio calcolato veniva confrontato con quello di soglia (ossia il rischio massimo) associato al profilo del cliente titolare del portafoglio. Se il valore era inferiore alla soglia, il portafoglio era adeguato al controllo del rischio in oggetto, altrimenti era inadeguato in caso di adeguatezza non migliorativa.
Nell’ambito del processo di consulenza, questi controlli venivano naturalmente eseguiti nell’elaborazione di una proposta di investimento, ma erano previsti anche momenti di controllo passivo di verifica se il portafoglio fosse divenuto inadeguato per movimenti di mercato e non per modifica della composizione del portafoglio. In questo caso l’intervento diveniva proattivo verso il cliente, inducendolo a migliorare la propria posizione di inadeguatezza.
Oltre a queste misure, non veniva fornita alcuna altra informazione di dettaglio, a parte il VaR e il CVAR, nemmeno i rischi relativi, rispetto a un portafoglio modello o a un benchmark, o la decomposizione del rischio come elemento di analisi.
In sintesi, il rischio influenzava la movimentazione di portafoglio come elemento sintetico, in particolare per mantenere il rischio sotto la soglia di guardia associata al profilo.
Il caso del Regno Unito
In UK, le esigenze erano più complesse, nonostante l’assenza del vincolo normativo del controllo di adeguatezza del rischio di mercato. In questo caso, l’obiettivo principale era supportare sia il processo di consulenza e gestione operativa del portafoglio, sia il processo di investimento e asset allocation. Per la gestione operativa di portafoglio, simile al caso italiano, si è utilizzando l’approccio HS per il rischio di mercato, in aggiunta ai rischi di credito e liquidità, ma con richieste di misure aggiuntive per supportare il gestore nella operatività del portafoglio.
Questo ha portato a dotare l’analisi di misure di rischio relativo (YEV, ReVaR), contributi al rischio, sensitivity delle posizioni al rischio di portafoglio, analisi di correlazione.
Il processo di asset allocation richiedeva invece una profondità storica maggiore per scopi di scenario analysis e si basava sull’asset class come elemento decisionale. Pertanto, all’approccio metodologico di HS, è stato affiancato un approccio parametrico, con la definizione di circa cento asset class e la loro associazione ad un benchmark di riferimento opportuno, osservabile e rappresentabile attraverso una serie storica.
Utilizzando la mappatura degli strumenti sulle asset class, gestita internamente dall’istituto, e le serie storiche delle asset class, il motore di rischio ha fornito misure di “lungo periodo” per portafogli modello e portafogli della clientela, abilitando analisi di scenario, calcolo di drawdown e analisi forward secondo il cono di Ibbotson.
In sintesi, nel caso italiano il contesto normativo è stato predominante e ha portato a interpretare le misure di rischio come un perimetro all’interno del quale il gestore di relazione può muoversi, secondo criteri che possono essere legati al rischio o meno, mantenendo una vista complessiva sul rischio finale di portafoglio da ottenere.
Nel secondo caso, i calcoli e le misure, invece, sono entrati nella definizione dell’operatività anche in termini preventivi, ossia andando a misurare di quanto si vuole modificare il rischio di una posizione con un’ottica relativa al rischio finale complessivo.
Le differenze si evidenziano soprattutto sulla tipologia di strumenti utilizzati per la consulenza.
Il caso italiano vede una spiccata presenza di fondi, certificates e obbligazioni, affiancata da una certa consistenza in polizze e gestioni individuali.
In UK le tipologie di strumento maggiormente diffuse sono azioni, ETF e i fondi comuni. Le obbligazioni sono residuali e sono assenti i certificates.
L’attenzione in UK era più spostata verso la gestione di portafoglio che al collocamento di prodotti.
[\#Mifid](/mifid/)[\#Portfoliomanagement](/portfolio-management-h/)[\#PortfolioOptimisation](/portfolio-optimisation/)[\#RiskManagement](/risk-management/)[\#Regtech](/regtech/)
In recent years, the wealth management sector in financial advisory and individual portfolio management has seen significant competitive growth. Seeking to leverage expertise and analyses once exclusive to the asset management world, there has emerged a need to build solid investment-based advisory processes for Wealth Management. These processes cover areas such as: pre-emptive monitoring (ex-ante risk analytics), portfolio construction (asset allocation and optimizers), and ex-post monitoring (realized performance and portfolio returns).
This trend has been driven by various factors that vary from country to country, including:
- Improvement in service quality: Industry operators have sought to enhance the quality of services offered while keeping costs for end clients as low as possible.
- Regulations and compliance: Regulations, such as MiFID, have had a significant impact, imposing new standards of compliance and transparency. In Italy, for example, the effect of MiFID has been more pronounced than in other countries, prompting institutions to allocate substantial budgets to compliance projects.
One of the most affected aspects is portfolio risk management. The regulations require strict control over market, credit, and liquidity risks for clients’ private wealth under advisory. In Italy, this has led to intensive use of risk metrics to meet regulatory requirements, often at the expense of a proactive approach to portfolio management. In other countries, like the United Kingdom, the approach to risk regulation has been less stringent. Here, market risk control has primarily translated into exposure limits to certain asset classes, with less sophisticated use of quantitative techniques. This has allowed for closer alignment with risk management models typical of asset management, where the common language and approach to risk factors are more integrated.
To better understand this evolution, during the conference “Portfolio Analytics: Risk, Performance, Style & Sustainability,” organized by the REPAiR LAB at SDA Bocconi – School of Management, we presented and analysed two advisory platform projects we developed in Italy and the United Kingdom. The approach to both projects was based on a win-win partnership between Objectway, a provider of financial advisory solutions and platforms that uses a risk engine to calculate various measures, and Confluence, which develops analytical capabilities for each instrument using a robust methodological framework and an industrial approach.
The complementary synergy between the two companies was manifested in the availability of certain foundational elements for regulatory risk calculations: the estimated historical series of returns for the individual instruments analysed, using the HS approach for market risk, the expected one-year loss at the instrument level linked to pure credit risk for credit risk, and the potential loss associated with more or less timely liquidation of the position for liquidity risk.
The Italian Case
The Italian institution we analysed mainly served private clients, who required more customization than retail banks. The solution provided a risk engine for the adequacy control of market, credit, and liquidity risk in the portfolio. For market risk, the chosen measure was annualized volatility using the HS approach, with daily return series in the portfolio’s denomination currency (EUR). The historical depth was set at two years, although some clients preferred three years or longer periods.
Operationally, the calculated portfolio risk value was compared to the threshold value (i.e., the maximum risk) associated with the client’s profile. If the value was below the threshold, the portfolio was adequate for the risk control in question; otherwise, it was inadequate in cases of non-improved adequacy. In the advisory process, these checks were naturally performed when developing an investment proposal, but there were also passive checks to verify if the portfolio had become inadequate due to market movements rather than changes in portfolio composition. In this case, proactive intervention was directed towards the client to improve their inadequate position.
Apart from these measures, no other detailed information was provided, except for VaR and CVaR, not even relative risks compared to a model portfolio or benchmark, or risk decomposition as an analytical element. In summary, risk influenced portfolio movement as a synthetic element, particularly to keep risk below the threshold associated with the client’s profile.
The UK Case
In the UK, the requirements were more complex despite the absence of the regulatory constraint of market risk adequacy control. In this case, the main objective was to support both the advisory process and the operational portfolio management, as well as the investment and asset allocation process. For operational portfolio management, similar to the Italian case, the HS approach was used for market risk, in addition to credit and liquidity risks, but with additional measures requested to support portfolio management.
This led to equipping the analysis with relative risk measures (YEV, ReVaR), risk contributions, position sensitivities to portfolio risk, and correlation analysis. The asset allocation process required greater historical depth for scenario analysis purposes and was based on asset class as the decision-making element. Therefore, the HS methodological approach was supplemented with a parametric approach, defining about one hundred asset classes and associating them with an appropriate benchmark, observable and representable through a historical series.
Using the mapping of instruments to asset classes, managed internally by the institution, and the historical series of asset classes, the risk engine provided “long-term” measures for model and client portfolios, enabling scenario analysis, drawdown calculation, and forward analysis according to the Ibbotson cone.
To sum up, in the Italian case, the regulatory context was predominant and led to interpreting risk measures as a boundary within which the relationship manager could operate, according to criteria that may or may not be risk-related, maintaining an overall view of the final portfolio risk to be achieved. In the second case, calculations and measures were incorporated into operational definitions even in preventive terms, i.e., measuring how much one wants to modify the risk of a position with a view to the final overall risk.
The differences are mainly evident in the types of instruments used for advisory. The Italian case shows a strong presence of funds, certificates, and bonds, alongside a significant presence of policies and individual management. In the UK, the most common instrument types are equities, ETFs, and mutual funds. Bonds are residual, and certificates are absent. The focus in the UK was more on portfolio management than on product placement.
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**Categories:** #Mifid, #PortfolioManagement, #PortfolioOptimisation, #Regtech, #RiskManagement, Blog, Performance & Risk
---
### [Warum auch konservative Banken immer mehr auf Fintech-Lösungen setzen](https://objectway.com/warum-auch-konservative-banken-immer-mehr-auf-fintech-losungen-setzen/)
**Published:** July 11, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** In Deutschland wird das Tempo der Digitalisierung durch regulatorische Anforderungen gebremst. Banken können diese Hürden nur durch die Kooperation mit Fintechs überwinden.
**Content:**
[](/news/)
View all News
# Warum auch konservative Banken immer mehr auf Fintech-Lösungen setzen
11\. Juli 2025 – In Deutschland wird das Tempo der Digitalisierung durch regulatorische Anforderungen gebremst. Banken können diese Hürden nur durch die Kooperation mit Fintechs überwinden.
Die Finanzbranche befindet sich an einem Wendepunkt: Traditionelle Banken müssen effizientere und flexiblere Geschäftsmodelle entwickeln, um im digitalen Zeitalter konkurrenzfähig zu bleiben. Dies gilt besonders in Europa, wo der Bankensektor stark fragmentiert ist. Nach Angaben der Europäischen Zentralbank gab es Ende 2021 nur rund 4.900 Kreditinstitute in der Eurozone. Der zunehmende Trend zu Fusionen und Umstrukturierungen lässt die Zahl der Banken weiter sinken und verdeutlicht, dass es für viele Institute schwieriger wird, sich im Wettbewerb zu behaupten.
Parallel dazu steigt die Zahl europäischer Banken, die Outsourcing-Lösungen über Fintech-Unternehmen nutzen, auf mittlerweile rund 50%. Diese Partnerschaft zwischen einstig gedachten „Rivalen“ hat sich von einer Option zu einer strategischen Notwendigkeit entwickelt. Die Zusammenarbeit mit Fintechs erlaubt es Banken, innovative Technologien zu integrieren, ohne das gesamte Geschäftsmodell ändern zu müssen. Dabei sind insbesondere Outsourcing-Modelle gefragt, die den Servicezugang verbessern, beispielsweise durch den Einsatz von Cloud-Lösungen. Bei der Wahl des passenden Partners spielen die Größe und operativen Kapazitäten des Unternehmens eine entscheidende Rolle.
Gerade in Europa und Großbritannien ist in den letzten Jahren eine erhöhte Nachfrage nach Outsourcing-Modellen zu erkennen. Selbst traditionell auf veraltete Systeme und On-Premises-Wartung angewiesene Privatbanken erkennen mittlerweile die Vorteile des Auslagerns, sei es zur Kostenersparnis, für ein besseres Nachhaltigkeitsmanagement oder für einen optimierten Servicezugang durch Cloud-Lösungen. Banken profitieren zudem von sogenannten Regtech-Lösungen, die ihnen helfen, komplexe regulatorische Anforderungen zu erfüllen.
Outsourcing strategisch angehen
Die Digitalisierung stellt traditionelle Banken vor Herausforderungen. Die Integration moderner Technologien bei gleichzeitiger Gewährleistung von Cybersicherheit und Datenschutz erfordert erhebliche Investitionen in IT-Infrastruktur. Auch die entsprechende Rekrutierung und Umschulung von Fachkräften fällt an. Outsourcing ist dabei längst nicht mehr nur ein technisches Thema für CIOs und CTOs, sondern hat sich zu einem zentralen Anliegen der COOs entwickelt. Diese Verschiebung spiegelt die zunehmende Anerkennung der Vorteile von Outsourcing in verschiedenen Unternehmensbereichen wider.
Modularität und Interoperabilität
Um diese Hürde zu bewältigen, müssen Finanzunternehmen Outsourcing-Projekte strategisch angehen. Das bedeutet, dass sie einen Blick auf ihre Betriebskapazitäten, Kompetenzen und die Rendite ihrer Investitionen werfen und je nach Größe und Geschäftsmodell unterschiedliche Outsourcing-Strategien wählen müssen. Maßgeschneiderte Lösungen bieten hier einen klaren Vorteil. Diese sind auf die spezifischen Bedürfnisse und betrieblichen Anforderungen der Banken abgestimmt und ermöglichen es, regulatorische Belastungen zu reduzieren und gleichzeitig die digitale Transformation zügig voranzutreiben.
Für die Zukunft zeichnet sich ein klarer Trend ab: Der Schwerpunkt liegt auf Modularität und Interoperabilität. Diese Konzepte reduzieren nicht nur die Komplexität und Kosten von Digitalisierungsprojekten, sondern erleichtern auch die grenzüberschreitende Standardisierung. Banken, die weiterhin auf veraltete IT-Systeme setzen, laufen Gefahr, den Anschluss zu verlieren. In einem so dynamischen digitalen Umfeld kann es fatal sein, Innovationen zu hemmen und nicht agil genug zu sein. Ein flexibler Ansatz, der sowohl interne als auch externe Ressourcen integriert, ermöglicht es, Outsourcing-Lösungen passgenau auf die betrieblichen Anforderungen abzustimmen. Um Risiken wie Reputationsverlust und Qualitätsmängel zu minimieren, sollten Banken verschiedene Geschäftsbereiche auslagern, während sie die Kontrolle über zentrale Funktionen behalten. So können sie Outsourcing reibungslos und erfolgreich in ihre Abläufe integrieren.
Die Digitalisierung stellt traditionelle Banken vor Herausforderungen. Die Integration moderner Technologien bei gleichzeitiger Gewährleistung von Cybersicherheit und Datenschutz erfordert erhebliche Investitionen in IT-Infrastruktur.
[](https://www.linkedin.com/in/karl-im-brahm/)### Karl im Brahm
CEO DACH Region, Objectway
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
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**Categories:** Article
**Tags:** #artificialintelligence, #efficiency, #financialservices, #operationalefficiency, #privatebanking
---
### [Objectway is back on stage at Codemotion 2024, the flagship event for developers22th - 23rd October 2024](https://objectway.com/objectway-is-back-on-stage-at-codemotion-2024-the-flagship-event-for-developers/)
**Published:** October 20, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway attends the Codemotion Conference 2024: our experts will reflect on how we can improve our practices, leading to what we consider Technical Excellence
**Content:**
[](/news/)
Back to HR events
# Objectway is back on stage at Codemotion 2024, the flagship event for developers
22th – 23rd October 2024 – Get ready to meet Objectway and our eminent colleagues for creating new connections: enjoy the benefits of a large community and don’t miss out the opportunity to grow, connect and be inspired by the strength and passion of speakers and tech leaders that believe in the power of innovation. **[Click here](https://conferences.codemotion.com/milan2024/#ticketsnew)** to proceed with your registration now!
## Thank you for attending!
We are thrilled to have shared our participation in Codemotion 2024 with you! Thank you for joined us and for seized this opportunity to learn more about Objectway. Bring your talent on board: your journey starts here! Discover our open job positions and apply now!
[JOB OPPORTUNITIES](https://careers.objectway.com/careers-open-job-positions/)[OUR CULTURE](/our-culture/)
## Agenda
Tuesday, 22th October 2024
2:30 – 3:15 PM
What Dev-n-Ops can learn from a Tamagotchi
[Michele Danieli, Architecture & Technology Director, Objectway Group](https://www.linkedin.com/in/mchdnl/)
[Alessandro Scavino, Software Developer, Objectway Group](https://www.linkedin.com/in/alessandro-scavino-6bb6851b1/)
While innovation, new technologies and paradigms play an important role in our work as engineers, both on the application and platform side, the way our software grows, mature and behaves is a critical part. Nevertheless, it is an aspect that is often less cared for by many. Many factors contribute to being perceived as less important: customer pressure for new features on development, less budget on non-functional aspects, organization culture and silos and a good level of misunderstanding on the real cost of running code, when considering obsolescence and attritions for example. The Japanese game Tamagotchi pressed its young players to care for the creature through its growth or let it die; similarly, we need to pay attention to how our software grows from its inception to maturity and beyond. This is often the goal of an iterative and continuous work in improving the maturity of the software and our practices. In this talk we share our reflections on how we can make operational aspects important in our practices, leading to what we consider Technical Excellence.
## Event Information
22th – 23rd October 2024, Stella Polare Congress Centre, Strada Statale Sempione, 28, Rho (MI)
We’re looking forward to meet you in Milan!
## Speakers
Michele Danieli
Michele is Architecture and Technology Director at Objectway for the Financial Advisory Tribe. After starting his career in a garage building software for telcos, he held technical and managerial roles. He still loves to build things in the engine room and counters architecture dogmatism with his tag line Architecture must be Useful not only True.
Alessandro Scavino
Alessandro is a software developer at Objectway working with the Financial Advisory Tribe Cross Product Team in Roma. He is both an IT and finance enthusiast and at Objectway he enjoys contributing to building innovative solutions for the complex word of finance, improving efficiency in business processes.
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4 August 2026
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4 August 2026
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8 July 2026
## Sign Up for our Newsletter
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**Categories:** HR Events
**Tags:** #digitaltransformation, #softwaredevelopment, #technology
---
### [Europas Finanzwelt steckt Milliarden in IT, Cloud und Compliance](https://objectway.com/europas-finanzwelt-steckt-milliarden-in-it-cloud-und-compliance/)
**Published:** July 10, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Technologien wie generative KI, Cloud Computing sowie ein starker Fokus auf Compliance und Datenschutz verändern Arbeitsabläufe, Datenmanagement und Kundeninteraktionen.
**Content:**
[](/news/)
View all News
# Europas Finanzwelt steckt Milliarden in IT, Cloud und Compliance
10\. Juli 2025 – Die IT-Ausgaben im Finanzsektor nehmen weiter zu und werden bis Ende dieses Jahres voraussichtlich 58 Milliarden US-Dollar übersteigen. Bei den eingesetzten Technologien gibt es innerhalb Europas aber erhebliche Unterschiede.
Technologien wie generative Künstliche Intelligenz, Cloud Computing sowie ein starker Fokus auf Compliance und Datenschutz verändern Arbeitsabläufe, Datenmanagement und Kundeninteraktionen. Ein Generationswechsel unter den Investoren beschleunigt die Digitalisierung weiter. Eine alternde Bevölkerung und der Vermögenstransfer zwischen den Generationen führen zu einer wachsenden Nachfrage nach personalisierten Finanzlösungen. Jüngere Anleger erwarten digitale, nahtlose Erfahrungen und transparente Dienstleistungen. Laut einer aktuellen Studie wird mehr als ein Drittel der IT-Budgets für Berater- und Kundenportale, Kundenakquise und Onboarding aufgewendet. Flexiblere, modulare Architekturen und Selbstbedienungsfunktionen gewinnen an Bedeutung.
Ein Vergleich zwischen den europäischen Märkten zeigt, dass 62 Prozent der britischen Institute in die Verbesserung des Kundenerlebnisses investieren und damit an der Spitze liegen, gefolgt von Spanien mit 57 Prozent und Deutschland mit 50 Prozent. Im Gegensatz dazu konzentrieren sich Frankreich und Deutschland mehr auf die regulatorischen Anforderungen: 80 Prozent der französischen und 60 Prozent der deutschen Vermögensverwalter räumen diesem Bereich Priorität ein. Im Vereinigten Königreich sind es nur 38 Prozent.
Cloud-Migration und SaaS bleiben zentral
Die Umstellung auf Cloud-Lösungen spielt auch in diesem Jahr eine wichtige Rolle. Bereits 44 Prozent der Vermögensverwalter nutzen SaaS- und Cloud-Lösungen für die Kontoführung und Rechnungsstellung. In Deutschland sind diese Lösungen weit verbreitet: 69 Prozent der Unternehmen haben geschäftskritische Aufgaben in die Cloud verlagert – ein deutlicher Anstieg gegenüber 57 Prozent im Vorjahr.
Cloud- und SaaS-Lösungen bieten Finanzdienstleistern eine bessere Skalierbarkeit und ermöglichen es ihnen, schneller auf neue Marktchancen zu reagieren. Diese Flexibilität macht es einfacher, sich an dynamische Marktanforderungen anzupassen und Wettbewerbsvorteile zu nutzen. Es ist ein Trend, der sich in allen Ländern abzeichnet. Es gaben 58 Prozent der Befragten an, im Jahr 2023 mehr kritische Arbeitslasten in die öffentliche Cloud zu verlagern. Diese Zahl stieg auf 65 Prozent im Jahr 2024.
Daten sind der Schlüssel zur Innovation
Angesichts des zunehmenden Einsatzes von Technologien wie Cloud und Künstliche Intelligenz (KI) werden Fragen der Datenverwaltung und -steuerung immer wichtiger. Die Qualität und Governance von Daten sind für viele der befragten Banken von zentraler Bedeutung: 61 Prozent der Vermögensberater sehen in der Datenqualität einen entscheidenden Erfolgsfaktor für den Einsatz generativer KI.
Der Wert von Daten liegt nicht nur in ihrer Menge, sondern auch in ihrer Struktur und Pflege. Ohne gut gepflegte und strukturierte Datensätze kann das volle Potenzial von GenAI nicht ausgeschöpft werden. Auch hier zeigen sich unterschiedliche Ansätze: Während in Deutschland bereits rund 20 Prozent der Vermögensverwalter GenAI in der Produktion einsetzen, liegt der Anteil in den nordischen Ländern bei beeindruckenden 50 Prozent. Generative KI wird zunehmend als Schlüsseltechnologie eingesetzt, um personalisierte Empfehlungen zu generieren und Kundenbeziehungen zu optimieren.
Compliance steht in Deutschland besonders im Fokus
Ein weiteres wichtiges Thema im Jahr 2025 ist die Einhaltung von Vorschriften. Laut dieser Umfrage haben Datenschutz und regulatorische Anforderungen für die Vermögensverwalter in der EU im Jahr 2024/25 mit jeweils 24 Prozent die höchste Priorität – gleichauf mit der Kundenerfahrung. In Deutschland liegt der Investitionsanteil bei beachtlichen 60 Prozent, während in Großbritannien nur 38 Prozent in die Einhaltung von Vorschriften investiert werden. Dies verdeutlicht die unterschiedlichen regulatorischen Anforderungen und Prioritäten in den einzelnen Ländern.
In der Praxis bedeutet dies, dass Finanzinstitute in stark regulierten Märkten verstärkt auf Compliance-Management-Systeme setzen müssen, um strenge Richtlinien zu erfüllen. Gerade in Zeiten, in denen Datenschutzverletzungen zu hohen Strafen führen können, sind Unternehmen gut beraten, sich auf sichere Datenarchitekturen zu konzentrieren.
Investitionen in generative KI nehmen zu
Die Einführung und Nutzung von generativer KI hat einen erheblichen Einfluss auf die Arbeitsweise von Finanzinstituten. In ganz Europa setzt bereits eine wachsende Zahl von Instituten generative KI in der Produktion, in Pilotprojekten oder in experimentellen Phasen ein – mit besonders hohen Einsatzraten in den nordischen Ländern mit 50 Prozent und der Schweiz mit 33 Prozent.
Im Gegensatz dazu befindet sich Deutschland noch in der Anfangsphase der Implementierung von generativer KI, wobei nur 20 Prozent der Unternehmen diese Technologie aktiv nutzen. Der zunehmende Einsatz von KI und Automatisierung hat tiefgreifende Auswirkungen auf den Wettbewerb in der Vermögensverwaltung. Diese Technologien ermöglichen es den Finanzinstituten, schneller und genauer auf die Bedürfnisse ihrer Kunden zu reagieren und personalisierte Dienstleistungen anzubieten. Zugleich entsteht eine neue Wettbewerbsdimension: Wer den technologischen Wandel schnell und effizient bewältigt, wird langfristig einen entscheidenden Wettbewerbsvorteil haben.
IT-Budgets wachsen und Deutschland setzt auf Datenschutz
Die IT-Ausgaben in der Vermögensverwaltung steigen weltweit, wobei Europa als besonders wachstumsstarker Markt hervorsticht. Bis Ende dieses Jahres werden die IT-Budgets voraussichtlich auf 58,7 Milliarden US-Dollar ansteigen – ein Zuwachs von 4,7 Prozent gegenüber dem Vorjahr. Die Ausgaben konzentrieren sich auf fünf Schlüsseltrends: Verbesserung der Kundenerfahrung, Einsatz von Cloud-Lösungen, Einführung generativer KI, Gewährleistung einer besseren Einhaltung gesetzlicher Vorschriften und Verbesserung des Datenmanagements. Insbesondere in Großbritannien und Deutschland gibt es erhebliche Unterschiede bei den Prioritäten der IT-Ausgaben. Während in Großbritannien das Kundenerlebnis stärker im Vordergrund steht, dominieren in Deutschland die regulatorischen Anforderungen.
Für Banken und Vermögensverwalter wird es entscheidend sein, ihre IT-Investitionen sowohl auf lokale Bedürfnisse als auch auf globale Trends abzustimmen. Der technologische Wandel – insbesondere in den Bereichen KI und Cloud – wird sich in den kommenden Jahren weiter beschleunigen und den globalen Wettbewerb neu definieren.
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
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**Categories:** Article
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---
### [Objectway recognised again for enabling digital transformation and resilience in financial services](https://objectway.com/objectway-recognised-again-for-enabling-digital-transformation-and-resilience-in-financial-services/)
**Published:** July 8, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway has confirmed its ongoing role in driving digital innovation in the private banking and investment management sectors by IBS Intelligence Sales League Table.
**Content:**
[](/news/)
View all News
# Objectway recognised again for enabling digital transformation and resilience in financial services
Objectway has confirmed its ongoing role in driving digital innovation in the private banking and investment management sectors by retaining the leadership spot in the IBS Intelligence Sales League Table for the fourth consecutive year.
London, 8th July 2025 – Objectway, top 100 global provider of as-a-service software and services for financial institutions, has been recognised in the IBS Sales League Table Leadership Club. This marks the fourth consecutive win for Objectway in the Private Banking & Wealth Management and Investment & Fund Management categories.
IBS Intelligence Sales League Table (SLT) is an annual benchmarking exercise conducted by IBS Intelligence that ranks global financial services technology supplier-systems across 27 system categories based on the number of new customer contracts signed in a given calendar year. The SLT has been running for over two decades and is an industry-recognized barometer for financial technology supplier performance across the financial services industry.
This year edition gathered participation from **50+ suppliers**, covering **1,500+ deals** in **150+ countries** across **23+ system categories**.
I congratulate Objectway on their impressive achievements at the SLT 2025 awards, securing the leadership position in ‘Private Banking & Wealth Management’ and ‘Investment & Fund Management’. These accolades highlight Objectway’s expertise in delivering sophisticated, client-centric solutions that cater to the nuanced needs of wealth and asset managers. Their success reflects a deep commitment to innovation and excellence, positioning them as a leading partner for financial institutions seeking to enhance their private banking and investment capabilities.
[](https://www.linkedin.com/in/nikhil-gokhale-research/)### Nikhil Gokhale
Head of Research Platforms, IBS Intelligence
**Luigi Marciano, Objectway’s Group CEO and Founder**, noted:
Innovation can’t wait. In today’s market, firms are under pressure to reinvent the way they operate and deliver value in order to stay relevant in a world that demands more: more personalisation, more transparency and more results. At Objectway, we enable this transformation by providing scalable digital solutions, advanced data analytics and AI-enabled capabilities. This recognition confirms our commitment to helping financial institutions protect their current business and build a foundation for sustainable, future-ready growth.
[](https://www.linkedin.com/in/luigi-marciano-66b9538/)### Luigi Marciano
Group CEO and Founder, Objectway
## Related
[All](#)[\#compeer](#)[\#customerexperience](#)[\#financialservices](#)[\#markettrends](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
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**Categories:** Awards
**Tags:** #digital-transformation, #financialservices, #innovation, #wealth-management, #wealth-management-trends
---
### [About Objectway Leading Across Cultures: The Power of Stakeholder-Centric Leadership and Cultural Intelligence](https://objectway.com/about-objectway-leading-across-cultures-the-power-of-stakeholder-centric-leadership-and-cultural-intelligence/)
**Published:** July 7, 2025
**Author:** Beatrice Scotti
**Excerpt:** At the intersection of stakeholder-centric leadership and cultural intelligence lies a modern approach to leadership, focusing on connection across borders.
**Content:**
###### JUL 07, 2025
# Leading Across Cultures: The Power of Stakeholder-Centric Leadership and Cultural Intelligence
[Padma Ganeshan](https://www.linkedin.com/in/padma-ganeshan-160785/)
Client Success Manager, Objectway
About Objectway
[\#Businessdevelopment](/businessdevelopment/)[\#OneObjectway](/one-objectway/)[\#Workspace](/workspace/)
In today’s fast-evolving global tech landscape, leadership has outgrown the confines of KPIs and deliverables. You might be wondering – so what is leadership now?
As Indra Nooyi, former Chairman and CEO of PepsiCo and a beacon of women’s leadership, once said: “Leadership is hard to define, and good leadership even harder. But if you can get people to follow you to the ends of the earth, you are a great leader.” She didn’t just lead with strategy, she led with empathy, cultural fluency, and an unwavering sense of purpose. That’s the essence of modern leadership. It’s not about hierarchy or authority; it’s about connection—with people, with purpose, and across borders.
Leadership today means navigating complexity, aligning diverse voices, and adapting across cultures – all while staying true to who you are. As leaders, many of us are already doing this intuitively. But what if we could do it intentionally, strategically – and with impact?
At the intersection of stakeholder-centric leadership and cultural intelligence (CQ) lies a transformative approach to leadership, one that prioritises understanding over assumption, listening over reacting, and alignment over control.
Know Your Who: Who Are Your Stakeholders – Really?
We often assume that stakeholder management starts after we’ve identified the key players. But in reality, that identification is the real—and often most underestimated—challenge.
And it’s precisely where stakeholder-centric leadership begins: in a deliberate, thoughtful look at who is impacted by your leadership—and how. Spoiler: it’s not just your boss or your client. It’s not only the obvious figures in your reporting lines. It’s the broader ecosystem of people whose trust, collaboration, and support are critical to your success – and to the success of your organisation.
Of course, not every voice can be responded to equally. Just like in product development or strategic planning, not all inputs carry the same urgency or weight. Timing matters. Context matters. And the first step is understanding who falls within your sphere of influence – whether that’s your immediate team, cross-functional peers, executive sponsors, customers, or unseen contributors in the value chain. That’s where prioritisation becomes essential and a stakeholder map, invaluable. More than a management tool, it’s a lens for intentional leadership. By mapping stakeholders based on their levels of influence and interest, you gain clarity on who to engage, how often, and to what depth. And because relationships evolve, this map should too, being refined constantly as roles shift and new dynamics emerge.
The Three Pillars of Stakeholder-Centric Leadership
- Identify & Understand – Beyond job titles, what drives your stakeholders? What do they care about? Communicate often, andoften and ask more than you assume.
- Listen & Adapt – Feedback isn’t just a checkbox—it’s your compass. Active listening helps you stay agile and responsive, not reactive.
- Align & Act – Great leaders balance multiple perspectives while driving results. When stakeholders see their input reflected in outcomes, trust grows.
Leading with Cultural Intelligence
Identifying your stakeholders is only part of the equation. To truly lead with them—not just over them—you need to understand the cultural lenses through which they see the world. Beyond knowing which holidays are celebrated or how greetings differ, Cultural Intelligence here emerges as the ability to pause, observe, and listen before acting, respecting difference without judgment, and adapting, without losing one’s core identity.
Having led teams across Germany, Spain, and India, I’ve witnessed firsthand how deeply culture shapes leadership dynamics, from how feedback is given, to how trust is built, to how success is defined.
In Germany, clarity and boundaries build trust. In Spain, optimism and agility foster collaboration. In India, relationships and resilience drive progress. Each culture contributes valuable perspectives. Yet, a common fear among leaders is that adapting will dilute their identity. True leadership, however, is about anchored flexibility —shaping your approach without compromising your core principles. Successful leaders don’t seek to erase cultural differences; they welcome and learn from them. They lead with curiosity and respect, not by imposing control.
Beyond Authority, Toward Impact
This approach marks a fundamental shift —from internal reflection to external, tangible impact. Today, leadership needs to increasingly happen through influence, not formal authority. Managing the complex demands of teams, clients, executives, and other stakeholders requires a set of often-overlooked but essential skills: empathy, adaptability, and the ability to align diverse perspectives. The once-called soft skills that aren’t soft anymore – they’re strategic ones, even if they don’t show up on a dashboard.
At its core, effective leadership is less about having all the answers and more about asking the right questions, listening with intention, and enabling others to act with clarity and confidence. This mindset applies across teams, clients, leadership, and communities alike.
Because leadership across cultures isn’t just about strategy. It’s about people.
As a woman in Fintech, currently leading client success across the DACH and EU region at Objectway, I see firsthand how cultural intelligence and stakeholder-centric leadership are not just conceptual tools, but daily necessities. Building trust across geographies, aligning teams with varied communication styles, and balancing business goals with empathy are all part of the leadership landscape I navigate.
The WomenTech Global Conference provided an important platform to reflect on these dynamics, not only as a professional but as a woman who has grown in male-dominated spaces. At Objectway, I’ve had the opportunity to lead with both structure and sensitivity, drawing from my lived experiences to create spaces where diverse teams can thrive. Sharing these insights with a global audience reinforced for me that inclusive, culturally intelligent leadership isn’t optional—it’s the path forward for sustainable success.
**RELATED POST**
About Objectway
### Let’s Build the Opportunities of the Future in The Next Normal, Together
[](https://objectway.com/lets-build-the-opportunities-of-the-future-in-the-next-normal-together/)
About Objectway
### Is Never Normal the New Normal?
[](https://objectway.com/is-never-normal-the-new-normal/)
About Objectway
### ONE OBJECTWAY: the value of being ONE organisation
[](https://objectway.com/one-objectway-unlock-the-potential-of-growth-and-innovation-based-on-trust-connectivity-and-connections/)
**Categories:** #BusinessDevelopment, #OneObjectway, #Workspace, About Objectway, Blog
---
### [PAAS VOR SAAS? Die richtige CLOUD-STRATEGIE für Banken](https://objectway.com/paas-vor-saas-die-richtige-cloud-strategie-fur-banken/)
**Published:** July 4, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Die Cloud-Transformation ist längst kein bloßer Trend mehr in der Vermögensverwaltung – sie ist eine Notwendigkeit.
**Content:**
[](/news/)
View all News
# PAAS VOR SAAS? Die richtige CLOUD-STRATEGIE für Banken
4\. Juli 2025 – Der Trend zur Cloud-Migration setzt Vermögensverwalter zunehmend unter Druck, ihre digitale Transformation voranzutreiben. Einer der strategischen Pfeiler einer Cloud-Strategie ist dabei der Wechsel von On-Premise- zu SaaS-Lösungen. Für größere, traditionelle Institutionen stellt sich jedoch die Frage: Sollten sie direkt auf SaaS umsteigen oder lieber einen mehrstufigen Ansatz über PaaS wählen? Ein schrittweiser Migrationsprozess kann für bestimmte Geschäftsfälle eine sinnvolle Option sein, dabei spielt DORA eine gewisse Rolle und Banken bei ihrer IT-Transformation machen typische Fehler.
Die Cloud-Transformation ist längst kein bloßer Trend mehr in der Vermögensverwaltung – sie ist eine Notwendigkeit. Laut KPMG nutzen bereits über zwei Drittel der Banken in Deutschland cloudbasierte SaaS-Lösungen. Dieser Wandel wird nicht nur durch den Wettbewerbsdruck von Fintechs vorangetrieben, sondern auch durch strengere EU-Vorschriften wie DORA, steigende Betriebskosten und den Bedarf an mehr Agilität durch modulare Architekturen. Prognosen gehen davon aus, dass die IT-Ausgaben im europäischen Finanzsektor bis 2028 jährlich um fast neun Prozent steigen werden – deutlich über dem weltweiten Durchschnitt von fünf bis sechs Prozent. Die Dringlichkeit zur Modernisierung birgt jedoch auch ein Risiko: Viele Institute starten Cloud-Migrationen ohne eine kohärente Strategie.
Reaktive Denkweise vermeiden
Vor allem große Finanzinstitute müssen sich mit komplexen Systemen und strengen internen Compliance-Anforderungen auseinandersetzen. Ein überstürzter, pauschaler Ansatz kann mehr schaden als nutzen. Stattdessen plädieren wir für eine schrittweise Migrationsstrategie, wenn bestimmte geschäftliche Einschränkungen bestehen. Ein aktueller Fall veranschaulicht dies: So startete ein großes Investmenthaus mit einem verwalteten Vermögen von über 100 Milliarden Euro mit der Migration zu einer Plattform as a Service (PaaS)-Lösung, wobei als nächster Schritt eine vollständige SaaS-Umstellung geplant ist. Dieses phasenweise Modell hilft dabei, eine widerstandsfähige IT-Grundlage aufzubauen und gleichzeitig Störungen zu minimieren – und ermöglicht so eine Weiterentwicklung der Betriebsabläufe, ohne sie vollständig umzuwälzen.
PaaS vor SaaS? Welche Strategie für große Finanzinstitute am sinnvollsten ist
SaaS-Lösungen bieten viele Vorteile, wie eine schnelle Einführung, geringer Wartungsaufwand, niedrigere Gesamtbetriebskosten und Skalierbarkeit. Außerdem kann SaaS durch Personalisierung und hybride Bereitstellungsmodelle an komplexe Umgebungen angepasst werden. Das Endziel einer Cloud-Strategie ist immer ein Übergang zu SaaS. Dennoch können traditionelle Unternehmen mit komplexen Altsystemen und strengen Compliance-Anforderungen strategisch davon profitieren, mit PaaS zu starten. Diese Organisationen verfügen womöglich bereits über interne PaaS-Kapazitäten und Layer für die Anwendungsbereitstellung. Der sprunghafte Übergang zu SaaS könnte von einer traditionellen, vielschichtigen Einrichtung als zu disruptiv empfunden werden. In solchen Fällen ermöglicht PaaS den Institutionen, das Plattformmanagement zunächst auszulagern – ein Sprungbrett zur SaaS-Einführung, das eine Unterbrechung des Anwendungsmanagementbetriebs vermeidet. In einem zweiten Schritt kann der SaaS-Übergang durch die Auslagerung von Anwendungs-Support, Verwaltung und Updates abgeschlossen werden. Diese Phase kann nach verschiedenen Ansätzen erfolgen, zum Beispiel ‚Reduzieren und Auslagern‘, ‚Aufheben und Verlagern‘, ‚Aufheben und Optimieren‘”. Umgekehrt riskieren Institutionen, die schnelle und groß angelegte Migrationen ohne ausreichende Vorbereitung durchführen, später kostspielige Anpassungen und mögliche Betriebsausfälle – egal, ob sie SaaS, PaaS oder einen hybriden Ansatz wählen. Einer IBM-Studie zufolge beläuft sich der durch ein Datenleck bei Finanzdienstleistern verursachte Schaden auf durchschnittlich 5,9 Millionen US-Dollar pro Vorfall, was die Notwendigkeit sorgfältig geplanter Strategien zur Cloud-Einführung unterstreicht.
DORA ändert die Spielregeln
Mit dem Digital Operational Resilience Act (DORA), der im Januar 2025 in Kraft getreten ist, gelten neue Anforderungen an die digitale Resilienz von Finanzunternehmen. Was auf den ersten Blick wie eine regulatorische Hürde erscheint, eröffnet neue Handlungsspielräume. Vor DORA mussten Banken oft selbst prüfen, ob Cloud-Modelle aus regulatorischer Sicht vertretbar sind. Jetzt schaffen einheitliche EU-Standards Klarheit – das reduziert die Ungewissheit und stärkt das Vertrauen in moderne Plattformen. Darüber hinaus zwingt DORA die Banken, ihre IT-Architekturen an den Grundsätzen der Resilienz, Transparenz und Prüfbarkeit auszurichten. Damit werden Betriebsmodelle, die auf modularen Architekturen und konfigurierbaren Komponenten basieren, nicht nur attraktiver, sondern auch zu einer regulatorischen Notwendigkeit. Diejenigen, die Compliance jetzt strategisch einsetzen, sichern sich einen Vorsprung. Anstatt nur Risiken zu vermeiden, verlagert sich der Fokus auf die Stärkung von Resilienz und Skalierbarkeit – ein Paradigmenwechsel, den sowohl PaaS- als auch SaaS-Lösungen unterstützen können.
Skalierbarkeit mithilfe der Cloud aufbauen
Die Cloud-Migration muss vom Standpunkt des Kunden aus betrachtet werden. Welche digitalen Anwendungen brauchen die Anleger? Wie können diese direkt mit Middleware und Backend verknüpft werden? Ziel ist es, Daten über alle Systemebenen hinweg in Echtzeit und konsistent verfügbar zu machen. Ein Projekt mit einem großen Vermögensverwalter demonstriert den Erfolg: In der ersten Phase ging das Frontend innerhalb von sechs Monaten live – die digitale Nutzungsrate stieg von 20 auf über 60 Prozent. Im nächsten Schritt wurden das Kundenerlebnis und die Abläufe im Investment-Management zusammengeführt, um Kunden und Beratern gleichermaßen Echtzeitdaten zur Verfügung zu stellen. Objectway unterstützte auch die Integration von drei akquirierten Unternehmen und ermöglichte so ein skalierbares Wachstum. Diese Schritte waren Teil einer umfassenderen Cloud-Strategie, die später zur vollständigen Migration der Backoffice- und Portfoliosysteme auf ein PaaS-Modell führte. Das Unternehmen hat nun mit der vollständigen SaaS-Umstellung begonnen und verfolgt dabei eine „Shift-and-Optimise“-Strategie, bei der bestehende Systeme in die Cloud migriert und gleichzeitig erweitert werden. Dies spiegelt einen breiteren Branchentrend hin zu Cloud-fähigen Lösungen wider, die durch modulare, zusammensetzbare Technologien ermöglicht werden. Das Frontend liefert schnelle Proof Points. Aber ohne ein skalierbares, Straight-Through-Processing-fähiges Backend, das Transaktionen durchgängig automatisiert und ohne manuelle Eingriffe abwickelt, bleibt das Erfolgspotenzial begrenzt. Mit einem modularen Technologieansatz können Unternehmen interoperable Lösungen nutzen, die auf ihre individuellen Bedürfnisse zugeschnitten sind, die Komplexität vereinfachen und gleichzeitig eine robuste Leistung, Anpassungsfähigkeit und Skalierbarkeit gewährleisten.
Monate oder Jahre? So lange dauert die Cloud-Umstellung wirklich
Ebenfalls ein häufiges Missverständnis bei Cloud-Migrationsprojekten: der Zeitrahmen. Viele Institute planen sechs bis zwölf Monate. Das kann realistisch sein, hängt aber stark von der Ausgangssituation und den internen Prozessen ab. Spätestens wenn Altsysteme oder regulatorische Anforderungen eine Rolle spielen, reicht eine kurzfristige Roadmap nicht aus. Objectway setzt auf einen phasenweisen Ansatz mit agilen Meilensteinen, um langfristige Ergebnisse zu gewährleisten. Es ist nicht nur die Technologie, die entscheidend ist, wie der COO weiter ausführt: Die beste Plattform ist nutzlos, wenn das Betriebsmodell nicht mithalten kann. Es braucht agile Teams, eine zukunftsorientierte Denkweise und eine Kultur, die Veränderungen zulässt. Studien von McKinsey und Accenture sprechen von einer „Cloud 2.0“-Ära: Technologie, Datenmanagement, Sicherheit und Benutzererfahrung werden als Komponenten einer ganzheitlichen Transformation gesehen.
Ob PaaS, SaaS oder ein hybrides Modell – es ist entscheidend, dass Banken mit einem Partner zusammenarbeiten, der skalierbare Lösungen liefern kann, die die gesamte Wertschöpfungskette unterstützen. Der Innovationsrahmen muss auf die Ziele des jeweiligen Kunden zugeschnitten sein – sei es die Vereinfachung der Komplexität, die Rationalisierung der Abläufe oder die Umgestaltung des Betriebsmodells.
Die Cloud-Transformation ist längst kein bloßer Trend mehr in der Vermögensverwaltung – sie ist eine Notwendigkeit.
[](https://www.linkedin.com/in/alberto-cuccu-21a401/)### Alberto Cuccu
Chief Operating Officer, Objectway
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Article
**Tags:** #artificialintelligence, #efficiency, #financialservices, #operationalefficiency, #privatebanking
---
### [Digital Trasformation From Exclusive to Inclusive: The Digital Transformation of Wealth Management](https://objectway.com/from-exclusive-to-inclusive-the-digital-transformation-of-wealth-management/)
**Published:** May 21, 2025
**Author:** Lorenzo Noventa
**Excerpt:** For both incumbents and disruptors, the right mix can accelerate transformation, enabling banks to embrace technology, trust, compliance and scalability.
**Content:**
###### MAY 20, 2025
# From Exclusive to Inclusive: The Digital Transformation of Wealth Management
[Karl im Brahm](https://www.linkedin.com/in/karl-im-brahm/)
CEO DACH Region, Objectway
digital innovation
[\#Automation](/automation/)[\#Behaviouralfinance](/behaviouralfinance/)[\#ClientExperience](/clientexperience/)[\#dataprotection](/data-protection/)[\#DigitalChange](/digitalchange/)[\#Offeringevolution](/offering-evolution/)[\#Portfoliomanagement](/portfolio-management-h/)[\#Scalability](/scalability)
Wealth management is no longer the exclusive domain of the ultra-wealthy; financial services are being transformed by technology into something far more democratic and inclusive. The rise of neo-banks and neo-brokers is disrupting the traditional financial services model. These agile players are breaking down long-standing barriers by offering always-on, mobile-first solutions that are accessible, intuitive, and designed for everyone. But simply being digital isn’t enough.
At this year’s FIBE Berlin, we had the opportunity to explore a powerful question: What does true financial inclusion look like in the digital age? Spoiler alert – it goes far beyond just launching an app. Behind the sleek interfaces and clever apps lies a deeper story, one where success hinges on getting four key ingredients right (while going digital).
A Recipe for Digital Wealth Management
- Ingredient #1: Advanced Technology, enabling Personalisation Historically, wealth management meant tailored advice from high-touch advisors, reserved for a small elite. Today, digital platforms powered by data, APIs, and AI are replicating that experience for millions, tapping into behavioural insights to help investors make informed financial decisions and adapting dynamically to each person’s goals and preferences. It’s personalisation without the price tag.
- Ingredient #2: Trust, in a Screen-First World In a world where your bank might not even have a front door, trust is earned through crystal-clear communication, no-nonsense pricing, and ironclad security. The best digital players start small, prove their value, and grow with their customers.
- Ingredient #3: Regulatory Compliance, built in the DNA (becomes an asset) Financial regulation has traditionally hindered innovation, but forward-thinking firms are flipping that narrative, embedding compliance into product design from day one. Automation and transparent audit trails reduce human error and ease the burden. By working proactively with regulators, these companies are turning oversight into a competitive advantage.
- Ingredients #4: Scalability, Beyond Servers Scalability isn’t just about handling more users or traffic, but involves every aspect of operations—from onboarding and KYC to fraud detection and customer support. The most successful platforms use automation, peer support communities, and self-service tools to maintain high-quality service as they grow. Smart design choices—like reducing complexity in the customer journey—also help reduce the need for human intervention, making scale sustainable.
Incumbents vs. Disruptors: A Tale of Two Strategies
Established financial institutions and agile newcomers are approaching this evolution from different angles. Incumbents tend to play defence, gradually adopting new technologies while maintaining familiar structures. Disruptors, meanwhile, are customer-journey obsessed, driven by a “convert and develop” approach that places customer outcomes above traditional focus on products. This allows for bolder experimentation and quicker adaptation—essential traits in a rapidly changing market.
Why Neo-Banks Are Winning (Where the 90s Failed)
Neo-banks and neo-brokers have outpaced the success of early online banks from the late 1990s, driven by a combination of technological advancements, shifting consumer expectations, efficient and adaptive business models, enhanced client experiences, and supportive regulatory environments. Unlike their predecessors, which struggled with limited infrastructure and consumer scepticism, modern fintech platforms leverage cloud computing and real-time transactions to offer scalable, always-available services. These digital-native institutions operate without the burden of costly branch networks, relying on automation to maintain low-cost, often freemium, models while providing premium services for those who opt in. Today’s consumers, accustomed to mobile-first interactions, demand 24/7 access and seamless digital experiences—an expectation that neo-banks readily meet. Client experience has also become a central focus, with intuitive designs, gamification, and financial education making platforms more engaging and easier to navigate. Moreover, regulatory frameworks such as PSD2 and Open Banking now foster fintech innovation, providing a secure, compliant environment for these digital players to thrive.
The New Playbook for Wealth Management
The evolving wealth management landscape is embracing a new approach: treating wealth as a lifelong journey, one that evolves through accumulation, decumulation, and everything in between. This requires flexible portfolios that can incorporate everything from traditional to digital assets and even integrate sustainability goals, enabling firms to meet complex client needs associated with longevity and intergenerational wealth transfer, leveraging cloud, AI and cognitive technologies to offer intelligent advice that’s compliant, accessible, and scalable.
But no one gets there alone. For both incumbents and disruptors, the right partnerships – with tech-savvy, regulation-aware innovators – can accelerate transformation, providing the expertise and infrastructure to align cutting-edge technology with strategic business goals and customer needs, enabling banks to master the four key ingredients of technology, trust, compliance, and scalability, and deliver not just access but true empowerment, for everyone.
**RELATED POST**
Download
### AI Toolkit 2025: From hype to reality: how AI is reshaping Wealth Management
[](/download-analyst-research-ai-toolkit-2025-from-hype-to-reality-how-ai-is-reshaping-wealth-management/)
Video Interviews
### Engaging the Next Generation of Investors leveraging Financial Education
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Innovation
### How will Innovation impact the future of Wealth Management?
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**Categories:** #Automation, #BehaviouralFinance, #ClientExperience, #Dataprotection, #DigitalChange, #Offeringevolution, #PortfolioManagement, #Scalability, Blog, Digital Transformation
---
### [Objectway will attend the Tech & Consulting Career Week in Milan27th February 2024](https://objectway.com/objectway-will-attend-the-tech-consulting-career-week-in-milan-by-politecnico-di-milano/)
**Published:** February 1, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Tech & Consulting Career Week by Politecnico di Milano: get ready to meet Objectway and discover more about the career paths available in our company.
**Content:**
[](/news/)
Back to HR events
# Objectway will attend the Tech & Consulting Career Week in Milan
27th February 2024 – Objectway and Politecnico di Milano partner together for the “Tech & Consulting Career Week: Guess My Job”, an exclusive opportunity for Engineering students to get in-depth insights on different companies and job roles they could apply to.
## Agenda
27th February 2024
14:30 – 16:30
Tech & Consulting Career Week: Guess My Job
The **Tech & Consulting Career Week** is going to be the right time for all the Engineering, Design, Communication and Strategy students from Politecnico di Milano to get to know Objectway up close. This will be the ultimate opportunity to delve into trends and hot topics that are currently shaping the financial industry, including Risk Management, Advisory, Data & Analytics.
Objectway will be represented by one of our colleagues who will host a 10-minutes speech to describe its job role anonymously and then the students will have to guess the job based on the given information. Supported by the **Politecnico di Milano Career Service** students and experts will have the chance to network and to gain deeper insights on the development of their professional roles in business.
Seize the opportunity to meet and stay tuned to discover more! In the meantime, have a look at last year’s edition and check out our open job positions.
In the meantime, **[have a look at last year’s edition](https://objectway.com/objectway-partners-with-politecnico-di-milano-to-delve-into-the-advisory-role-in-the-technological-innovation/)** and **[ check out our open job positions.](https://careers.objectway.com/careers-open-job-positions/)**
## Webinar Information
27th February 2024, Online Webinar
We’re looking forward to meet you in Milan!
## Speakers
Giovanni Galantucci
Giovanni is Objectway Delivery Manager for the Product Development & Solution Delivery Tribe. In his current role, he supervises and coordinates a work team that is now become the main technical contact point for the tribe’s clients across Italy, UK and Belgium. He has joined Objectway 10 years ago as Software Engineer and now he is responsible for the control of the entire product delivery process, including the Pre-Sales Phases through to configuration, deployment, and maintenance activities. Giovanni collaborates with OW Sales Management Team and Business Analysts to define and interpret clients’ requests and with OW DevOps Professionals to implement our financial solutions to the customer’s platform.
## Related
[All](#)[\#about-objectway](#)[\#digital-change](#)[\#digital-transformation](#)[\#wealth-management](#)
[Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen](https://objectway.com/skalierungslucke-warum-ki-investitionen-an-der-kundenschnittstelle-verpuffen/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen
4 August 2026
[OWIN26: as-a-service e AI per trasformare la complessità in efficienza](https://objectway.com/owin26-as-a-service-e-ai-per-trasformare-la-complessita-in-efficienza/)[Article](https://objectway.com/category/article-genitore/article-glo/)### OWIN26: as-a-service e AI per trasformare la complessità in efficienza
8 July 2026
[Intelligenza artificiale e wealth management: la sfida è trasformare l’innovazione in valore](https://objectway.com/intelligenza-artificiale-wealth-management-trasformare-innovazione-valore/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Intelligenza artificiale e wealth management: la sfida è trasformare l’innovazione in valore
3 July 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
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**Categories:** HR Events
**Tags:** #businessgrowth, #digitaltransformation, #riskmanagement, #softwaredevelopment, #technology
---
### [Objectway at Realschule Ebersberg's Job Fair14th March 2024](https://objectway.com/objectway-at-realschule-ebersberg-job-fair/)
**Published:** February 14, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway always scouts for new talents all around Europe to join our team. Get ready to meet us in Ebersberg to better know us and our open job positions
**Content:**
[](/news/)
Back to HR events
# Objectway at Realschule Ebersberg’s Job Fair
14th March 2024 – Objectway always scouts for new talents all around Europe to join our team. Get ready to meet us in Ebersberg to better know ourselves and our open job positions.
## Thank you for attending!
Last year we landed in Germany for the Realschule Ebersberg’s Job Fair and got to know the leaders of tomorrow. We are thrilled to attend next edition of the event in March 2024. Your next career opportunity is here: discover now our open job positions!
[JOB OPPORTUNITIES](https://careers.objectway.com/careers-open-job-positions/)[OUR CULTURE](/our-culture/)
## Agenda
14th March 2024
18:30 – 20:30 PM
Realschule Ebersberg’s Job Fair
Once again this year, we are pleased to take part to Realschule Ebersberg’s Job Fair for offering students and graduates the chance to closely observe and to deepen main dynamics of FinTech sector, where Objectway has been working for more than 30 years now.
**Objectway is a Global Top 100 FinTech provider** of as-a-service software and services to banks, wealth and asset managers and we always commit to drive innovation through our cutting-edge software, enhancing financial performance.
What does Objectway offer you? We recognise our best performance comes from our people: we leverage on a **collaborative & cooperative workplace experience** where everyone is empowered to make his career path inspiring day by day.
Seize the opportunity to meet us and learn more about Objectway international, hybrid, always on working environment. Bring your passion, ambition and talent on board. Your journey starts here!
In the meantime, **[ check out our open job positions.](https://careers.objectway.com/careers-open-job-positions/)**
## Event Information
14th March 2024, Ebersberg State Secondary School, Dr. Wintrich Str. 64, 85560 Ebersberg
We’re looking forward to meet you in Ebersberg!
## Related
[All](#)[\#about-objectway](#)[\#digital-change](#)[\#digital-transformation](#)[\#wealth-management](#)
[Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen](https://objectway.com/skalierungslucke-warum-ki-investitionen-an-der-kundenschnittstelle-verpuffen/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen
4 August 2026
[OWIN26: as-a-service e AI per trasformare la complessità in efficienza](https://objectway.com/owin26-as-a-service-e-ai-per-trasformare-la-complessita-in-efficienza/)[Article](https://objectway.com/category/article-genitore/article-glo/)### OWIN26: as-a-service e AI per trasformare la complessità in efficienza
8 July 2026
[Intelligenza artificiale e wealth management: la sfida è trasformare l’innovazione in valore](https://objectway.com/intelligenza-artificiale-wealth-management-trasformare-innovazione-valore/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Intelligenza artificiale e wealth management: la sfida è trasformare l’innovazione in valore
3 July 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
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**Categories:** HR Events
**Tags:** #financialservices, #fintech, #oneobjectway, #wealth-management
---
### [Objectway partecipa alla prossima edizione del Job Meeting in collaborazione con l’Università Sapienza di Roma16 Aprile 2024](https://objectway.com/objectway-partecipa-alla-prossima-edizione-del-job-meeting-in-collaborazione-con-luniversita-sapienza-di-roma/)
**Published:** April 13, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway partecipa al Job Meeting Network presso l'Università Sapienza di Roma. Iscriviti subito e incontra i nostri esperti HR per scoprire le opportunità di carriera offerte.
**Content:**
[](/news/)
Back to HR events
# Objectway partecipa alla prossima edizione del Job Meeting in collaborazione con l’Università Sapienza di Roma
16 Aprile 2024 – Objectway torna a Roma per partecipare alla nuova edizione del Job Meeting organizzata da Cesop HR Consulting Company presso l’Università Sapienza di Roma. Non perdere l’occasione: vieni a trovarci e scopri le tue prossime opportunità di lavoro!
## Grazie per aver partecipato!
Objectway ha già avuto l’occasione di partecipare al Job Meeting Network 2023 presso il Politecnico di Bari. Il nostro Team HR non vede l’ora di approdare a Roma per incontrare nuovi talenti. Scopri le posizioni aperte e continua a seguirci!
[JOB OPPORTUNITIES](https://careers.objectway.com/careers-open-job-positions/)[OUR CULTURE](/our-culture/)
## Agenda
Martedì 16 Aprile 2024 | 9:30 – 16:30
Job Meeting 2024 – Università Sapienza di Roma
Elenia Grilli, HR Specialist Business Partners ITO, Objectway Group
Sara Avola, HR Specialist Business Partners ITO, Objectway Group
Il Job Meeting è l’evento di orientamento al lavoro e incontro con le aziende che permette a giovani studenti e neolaureati di entrare direttamente in contatto con i maggiori players di settore nazionali ed internazionali.
Preparati ad entrare nel mondo Objectway: ci presentiamo come un’azienda dinamica capace di adattarsi facilmente ai cambiamenti e in grado di seguire in modo attivo i trend più positivi che caratterizzano il settore economico in cui operiamo. Cerchiamo di essere sempre più vicini alle nuove generazioni, offrendo loro percorsi di onboarding graduali e specifici che assicurano un percorso di crescita e innovazione.
**[Registrati subito](https://www.jobmeeting.it/eventi/job-meeting-roma/)** e ottimizza il tuo CV per incontrare i nostri Responsabili HR e scoprire le opportunità di lavoro offerte.
**[Clicca qui per consultare le nostre posizioni aperte](https://careers.objectway.com/careers-open-job-positions/)** e candidati ora: il tuo viaggio inizia qui!
L’evento è realizzato in collaborazione con la Facoltà di Ingegneria Civile Industriale e della Facoltà di Ingegneria dell’Informazione, Informatica e Statistica Sapienza Università di Roma.
## Informazioni Utili
16 Aprile 2024, Chiostro di San Pietro in Vincoli, Facoltà di Ingegneria Civile e Industriale, Sapienza Università di Roma, Via Eudossiana, 18 – Roma
## Related
[All](#)[\#digital-change](#)[\#digital-transformation](#)[\#wealth-management](#)[\#wealthtech](#)
[„Deutschland ist noch etwas altmodisch unterwegs“](https://objectway.com/abn-amro-und-hauck-aufhauser-lampe-fusionieren-zur-drittgrosten-privatbank-deutschlands/)[Article](https://objectway.com/category/article-genitore/article-glo/)### „Deutschland ist noch etwas altmodisch unterwegs“
4 August 2026
[Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen](https://objectway.com/skalierungslucke-warum-ki-investitionen-an-der-kundenschnittstelle-verpuffen/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen
4 August 2026
[OWIN26: as-a-service e AI per trasformare la complessità in efficienza](https://objectway.com/owin26-as-a-service-e-ai-per-trasformare-la-complessita-in-efficienza/)[Article](https://objectway.com/category/article-genitore/article-glo/)### OWIN26: as-a-service e AI per trasformare la complessità in efficienza
8 July 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
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**Categories:** HR Events
**Tags:** #digitaltransformation, #softwaredevelopment, #technology, GLO
---
### [Objectway & IPE Business School: A perfect match since 201511th June 2024](https://objectway.com/objectway-ipe-business-school-a-perfect-match-since-20156th-june-2024/)
**Published:** June 5, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Francesca Forino, Objectway’s HR Country Manager, will meet IPE Business School students to illustrate the benefits of the partnership with IPE Business School.
**Content:**
[](/news/)
Back to HR events
# Objectway & IPE Business School: A perfect match since 2015
11th June 2024 – Francesca Forino, Objectway’s HR Country Manager, will meet IPE Business School students and graduates to illustrate the benefits of the almost ten-year partnership with IPE Business School.
[Play Video](https://vimeo.com/953982202/7cc156ed80?share=copy)[Play Video ](https://vimeo.com/953982202/7cc156ed80?share=copy)
## Meet Dalila: Senior Business Analyst at Objectway
Meet Dalila Morsli, a dynamic Senior Business Analyst at Objectway and a former standout student of the Master in Advanced Finance – Risk, Fintech, Big Data at IPE Business School.
[JOB OPPORTUNITIES](https://careers.objectway.com/careers-open-job-positions/)[OUR CULTURE](/our-culture/)
## Agenda
Tuesday, 11th June 2024
Objectway renews University Partnership: IPE Business School
Francesca Forino, HR Country Manager, Objectway Group
Entering 2024, we were thrilled to once again confirm our long-lasting partnership with **IPE Business School** for the **Master’s in Advanced Finance – Risk, FinTech, Big Data** based on mutual trust and shared vision.
As a leader in financial technology, Objectway is the perfect match for this cutting-edge Master by IPE Business School, which offers an immersive dive into the latest risk management strategies, insights into financial markets, refining trading techniques, mastering portfolio management, orchestrating corporate finance transactions, and much more.
Get the information you need and gear up to meet with our **HR Country Manager, Francesca Forino**, to delve into Objectway’s core mission: building partnerships with banking, asset and wealth management firms to empower and scale their business enhancing the entire value chain and supporting their growth.
Francesca will drive you to discover the Objectway world, exploring our Platform, designed to deliver a flexible solution design leveraging the comprehensive suite of end-to-end digital and service capabilities, based on scalable cloud infrastructure. But that is not the whole story: during the meeting’s presentation, students will have the chance to hear the voice of **Dalila Morsli**, a dynamic **Senior Business Analyst at Objectway** and a former standout student of the Master in Advanced Finance – Risk, Fintech, Big Data at IPE Business School. She found the perfect match in Objectway, recognising our commitment to not just keeping pace but setting the standards in the industry!
Together through this partnership we’re on a mission to shape the future of finance by empowering tomorrow’s leaders with the essential skills needed to thrive in an ever-changing industry and we look forward to enriching our Objectway community with forward-thinking professionals!
**[Discover exciting career opportunities here](https://careers.objectway.com/careers-open-job-positions/)** and join us in shaping the future of finance: your journey starts here!
## Event Information
11th June 2024, Riviera di Chiaia, 264 (Naples)
## Related
[All](#)[\#digital-change](#)[\#digital-transformation](#)[\#wealth-management](#)[\#wealthtech](#)
[„Deutschland ist noch etwas altmodisch unterwegs“](https://objectway.com/abn-amro-und-hauck-aufhauser-lampe-fusionieren-zur-drittgrosten-privatbank-deutschlands/)[Article](https://objectway.com/category/article-genitore/article-glo/)### „Deutschland ist noch etwas altmodisch unterwegs“
4 August 2026
[Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen](https://objectway.com/skalierungslucke-warum-ki-investitionen-an-der-kundenschnittstelle-verpuffen/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen
4 August 2026
[OWIN26: as-a-service e AI per trasformare la complessità in efficienza](https://objectway.com/owin26-as-a-service-e-ai-per-trasformare-la-complessita-in-efficienza/)[Article](https://objectway.com/category/article-genitore/article-glo/)### OWIN26: as-a-service e AI per trasformare la complessità in efficienza
8 July 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
Yes, I want to receive updates about Objectway events and products. I have read and agree with the [Privacy Policy & Terms of Use]()
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**Categories:** HR Events
**Tags:** #bigdata, #digitaltransformation, #portfoliomanagement, #riskmanagement, #softwaredevelopment, #technology, GLO
---
### [Objectway and Ca’ Foscari University join forces to empower the next generation of financial leaders8th May 2025](https://objectway.com/objectway-and-ca-foscari-university-join-forces-to-empower-the-next-generation-of-financial-leaders/)
**Published:** May 6, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway & Ca' Foscari University together for unveiling the job opportunities arising from the International Master in Economics, Finance and Data Science.
**Content:**
[](/news/)
Back to HR events
# Objectway and Ca’ Foscari University join forces to empower the next generation of financial leaders
1st October 2024 / 8th May 2025 – Objectway renews its partnership with Ca’ Foscari University of Venice by unveiling the job opportunities arising from the International Master in Economics, Finance and Data Science.
## Agenda
Tuesday, 1st October 2024 / Thursday, 8th May 2025
Objectway & Ca’ Foscari University: A successful collaboration to shape the industry of tomorrow
Francesca Forino, HR Country Manager, Objectway Group
Marco Migliorin, Senior Business Leader, Objectway
Ca’ Foscari, founded in 1868 as the first Business School in Italy, the second in Europe, has a long tradition in teaching Economics and Finance. The educational programmes of the Department of Economics generate experts extremely capable of working in a changing and challenging economic scenario around the world.
Objectway is constantly on the lookout for fresh and dynamic talents to enrich our organisation, that’s why we proudly sponsor the **International Master’s in Economics, Finance and Data Science**, thereby boosting our partnership and enabling us to actively nurture the development of exceptional individuals in these critical fields. The aim of this Master is to train students to acquire a deeper and more sophisticated knowledge of the economic analysis of markets and financial institutions, facilitating their entry into the domestic and international labour market.
Get the information you need and gear up to meet with our **Francesca Forino, HR Country Manager** and **Marco Migliorin, Senior Business Leader**, to delve into Objectway’s core mission: building partnerships with banking, asset and wealth management firms to empower and scale their business enhancing the entire value chain and supporting their growth.
Francesca and Marco will drive you to discover the Objectway world, exploring our Platform, designed to deliver a flexible solution design leveraging the comprehensive suite of end-to-end digital and service capabilities, based on scalable cloud infrastructure.
Join us on our journey to shape the future of the financial industry. Together, let’s unlock new possibilities and make a lasting impact. **[Explore now our exciting job positions!](https://careers.objectway.com/careers-open-job-positions/)**
## Event Information
1st October 2024, San Giobbe, Cannaregio 873, 30121 Venice
8th May 2025, San Giobbe, Cannaregio 873, 30121 Venice
## Speakers
Marco Migliorin
Marco has become Objectway Senior Business Leader in 2015, supervising the Risk Management and Portfolio Optimisation areas within the Objectway Advisory Platform. He has a 25-years working experience in the financial sector and a long-standing career as Bond Manager in different Italian SGRs, like Sella, BCC and Arca. His expertise is primarily focused on defining processes and algorithms to support advisory, risk management and portfolio construction. He holds a degree in Economics (Political Economy) from Ca’ Foscari University in Venice.
## Related
[All](#)[\#digital-change](#)[\#digital-transformation](#)[\#wealth-management](#)[\#wealthtech](#)
[„Deutschland ist noch etwas altmodisch unterwegs“](https://objectway.com/abn-amro-und-hauck-aufhauser-lampe-fusionieren-zur-drittgrosten-privatbank-deutschlands/)[Article](https://objectway.com/category/article-genitore/article-glo/)### „Deutschland ist noch etwas altmodisch unterwegs“
4 August 2026
[Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen](https://objectway.com/skalierungslucke-warum-ki-investitionen-an-der-kundenschnittstelle-verpuffen/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen
4 August 2026
[OWIN26: as-a-service e AI per trasformare la complessità in efficienza](https://objectway.com/owin26-as-a-service-e-ai-per-trasformare-la-complessita-in-efficienza/)[Article](https://objectway.com/category/article-genitore/article-glo/)### OWIN26: as-a-service e AI per trasformare la complessità in efficienza
8 July 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
Yes, I want to receive updates about Objectway events and products. I have read and agree with the [Privacy Policy & Terms of Use]()
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**Categories:** HR Events
**Tags:** #datascience, #economics, #financialservices, #portfoliomanagement, #riskmanagement
---
### [Market Trends Investing in Technology to lead the industry: Canada edition ](https://objectway.com/investing-in-technology-to-improve-productivity-and-build-competitive-advantage-canada-edition/)
**Published:** November 26, 2024
**Author:** Lorenzo Noventa
**Excerpt:** Canadian wealth managers face a rapidly evolving environment where technology investments, particularly in AI, are essential to remaining competitive.
**Content:**
###### November 26, 2024
# Investing in Technology to lead the industry: Canada edition
[Chiara Giudici](https://www.linkedin.com/in/chiara-giudici-8647929/)
Communication Manager
market trends
[\#Artificialintelligence](/artificial-intelligence/)[\#Businessdevelopment](/businessdevelopment/)[\#ClientExperience](/clientexperience/)[\#FrontOffice](/front-office/)[\#Onboarding](/onboarding/)
The Canadian wealth management industry is experiencing rapid shifts driven by technological advancements, heightened competition from fintech, and changing client expectations. Industry research indicates that nearly 70% of Canadian wealth management executives see a rising competitive threat from fintech challengers, which has accelerated their focus on digital transformation. In response, eight in 10 believe they are agile enough to respond quickly to these market pressures, but they still face hurdles, particularly in scaling modernization projects efficiently.
Modernizing Technology and Boosting Budgets
To remain competitive, many Canadian wealth management firms are prioritizing modernization as the leading driver of IT investments—especially for cloud migration, API integration, and low-code/no-code tools. Canadian executives plan to expand IT budgets by 5.4% annually, with almost 40% allocated toward client-facing, front-office capabilities such as onboarding, advisor/client portals and CRM. Portfolio management and investment research functionalities consume an additional 27% of budgets, reflecting a robust investment in front-office tools that enhance advisor productivity and deepen client engagement.
Among top strategic projects, client acquisition and onboarding have been pivotal, with Canadian executives indicating that onboarding remains a top IT priority for nearly 40% of them. Despite years of investment, the quest for a streamlined onboarding experience remains challenging, as firms balance the needs of high-net-worth (HNW) clients with efforts to scale personalization in affluent segments. Wealth managers are increasingly leveraging AI-driven enhancements, especially for onboarding and client-facing processes, to improve productivity and build competitive advantage.
Core and emerging priorities
Data privacy and advisor productivity are actual core priorities, underscoring the importance of both trust and efficiency.
Data privacy is a pressing concern for nearly 90% of Canadian executives, who are tapping into AI and machine learning (ML) technologies to strengthen data access controls, ensure regulatory compliance, and detect potential anomalies. Furthermore, there’s a growing focus on leveraging technology to automate routine tasks, enabling wealth managers to free up advisors from administrative burdens, allowing them to focus on high-value activities like [personalized client engagement](/objectway-at-t3-technology-conference-unleashing-potential-through-the-acquisition-of-nest-wealth/) and strategic financial planning. This streamlined approach across onboarding, CRM, and financial planning can not only enhance advisors’ productivity but also create more opportunities for meaningful client interactions.
Artificial intelligence continues to reshape the Canadian wealth management landscape, with onboarding as a primary area of AI investment for 30% of Canadian wealth managers. AI tools such as natural language processing (NLP), machine learning, and robotic process automation (RPA) can be applied to automate onboarding, accelerate insights, and tailor client interactions. While the adoption of AI for employee-facing use cases is expected to increase, reflecting broader trends towards workforce productivity and client servicing enhancements, generative AI adoption hurdles persist, including security concerns and issues around AI maturity and reliability, with Canadian wealth managers citing security, risk management, and challenges in establishing a strong business case as the main obstacles to widespread GenAI adoption.
SaaS and cloud solutions are becoming increasingly vital as wealth managers prioritize flexible, scalable, and cost-efficient technology infrastructures. Front-office functions, especially those related to client engagement, are seeing the most significant SaaS and cloud transitions, with onboarding, advisor/client portals, and planning functionalities leading the shift. SaaS adoption is becoming a standard across these functions as wealth managers tap into WealthTech solutions that support rapid, customized deployment.
Looking ahead
Canadian wealth managers see emerging trends on the horizon, such as the democratization of wealth management and the delivery of omnichannel advice. These priorities reflect a shift toward more accessible wealth management services that cater to mass affluent segments while ensuring a consistent, seamless experience across digital and in-person channels. The integration of omnichannel advice aligns with growing expectations for a synchronized client journey that spans mobile, desktop, and traditional face-to-face interactions.
Generative AI and Wealth-as-a-Service (WaaS) stand out as potentially transformative technologies for the Canadian market in the next five years. WaaS is gaining traction as wealth management products are increasingly “unbundled” by technology providers, allowing faster, more flexible product rollouts through cloud-based infrastructures and APIs. With nearly 60% of Canadian wealth management executives identifying WaaS as a top technology by impact, firms are recognizing its ability to streamline product launches while reducing infrastructure demands.
In summary, Canadian wealth managers face a rapidly evolving environment where technology investments, particularly in AI and cloud-based solutions, are essential to remaining competitive. As firms work to modernize their infrastructures, streamline client onboarding, and enhance data privacy, they are better positioned to meet clients’ growing demands for personalized, seamless, and accessible wealth management services. The landscape is ripe for innovation, and those firms that prioritize agility, client-centric strategies, and technological resilience are most likely to thrive.
**RELATED POST**
Market Trends
### Investing in Technology to lead the industry: North America edition
[](/investing-in-technology-and-redefining-client-experience-for-north-american-wealth-management-firms/)
Digital Transformation
### Engaging the Next Generation of Investors: Embracing Digital Innovation for Lasting Impact
[](/engaging-the-next-generation-of-investors-through-digital-innovation/)
Market Trends
### Not only to survive, but to thrive: CIOs’ priorities for success in 2024
[](/predicts-2024-investment-management-drives-productivity-navigating-ongoing-global-uncertainty/)
**Categories:** #ArtificialIntelligence, #BusinessDevelopment, #ClientExperience, #FrontOffice, #Onboarding, Blog, Market Trends
---
### [Open Banking Objectway and Die Software for the future of Banking](https://objectway.com/objectway-and-die-software-for-the-future-of-banking/)
**Published:** August 13, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** The announcement that Die Software is now part of our Group grabbed the headlines. We’re conscious of the relevance of such operation and of the opportunities that this agreement brings.
**Content:**
###### AUG 17, 2021
# Objectway and Die Software for the future of Banking
Objectway
open banking
[\#Oneobjectway](/owintalk/one-objectway/)[\#Digitalisation](owintalk/digitalisation/)[\#Openfinance](owintalk/open-finance/)[\#Portfoliomanagement](/owintalk/portfolio-management-h/)
The announcement that [Die Software](https://die-software.com/) is now part of our Group grabbed the headlines. We’re conscious of the relevance of such operation and of the opportunities that this agreement brings. Being a leading Core Banking solution provider in German-speaking Europe, Die Software Objectway Group has an unparalleled positioning in Europe’s largest Financial Services market, and gives our company the chance to complement and strengthen our offering to support the digital transformation of private banks, retail banks, wealth and asset managers.
Bringing the Banking industry to the next level
As financial institutions need to address the imperatives underpinning [next-generation Core Banking](https://en.wikipedia.org/wiki/Core_banking) applications in terms of scale, functionality, integration and cloud, reducing redundant platforms and consolidating applications, they also need to meet their clients’ expectations to get all their financial needs met in one place, while keeping seamless journeys across all banking touchpoints.
Core Banking solutions were historically built on reliability rather than open architecture. Digital Banking, [APIs](/owintalk/open-api/) and Cloud have recently created a significant shift in the way banking products are constructed. Financial institutions need to be able to process transactions in real-time, release new features frequently and scale their IT infrastructure. To accompany the Banking industry to next level, it is necessary to bring to the table leading-edge capabilities in those areas, along with expertise in portfolio management, advisory and digital client engagement. Namely, a combined value proposition able to respond to evolving requirements, through a new-generation, digital, end-to-end Banking solution.
Much in common, more to come
Our merger is based on the many things we have in common. A common heritage which combines over 30 years of highly specialised expertise and professionalism, the same focus on digital innovation in Financial Services, and the mission to become the end-to-end solution provider for the Banking Industry in EMEA, driving also our expansion globally.
The union of our two complementary companies allows for a pooling of know-how, technology and resources: a transformation which positions our pan-European Group above industry averages.
With this acquisition, we complement and strengthen our offering to Wealth and Asset Managers, Private and Retail Banks with a solid and comprehensive Core Banking platform. This will constitute the new open, modular, end-to-end Banking Suite, geared to support the digital transformation of private banks, retail banks, wealth and asset managers.
A new-generation Banking Suite which has to blend banking capabilities with relevant products and services beyond banking, such as intelligent and personalised experiences through a consistent user journey, to increase digital penetration and maximise opti-channel client engagement, while improving efficiency, automation and bankers’ capacity.
This is only the start. The beginning of new exciting journey to co-create the Future of Banking.
**RELATED POST**
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### Objectway Acquires Die Software Peter Fitzon
[](https://www.objectway.com/objectway-acquires-leading-german-core-banking-software-specialist-die-software-peter-fitzon/)
**Categories:** #Digitalisation, #OneObjectway, #OpenFinance, #PortfolioManagement, Blog, Open Banking
---
### [Open Banking Exploring Banking: A Post-Covid Industry Trend View](https://objectway.com/exploring-banking-a-post-covid-industry-trend-view/)
**Published:** January 20, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Digital is becoming the default communication and customer centricity is fluctuating towards the core of key decisions. Discover features of the banking leaders
**Content:**
###### JAN 20, 2022
# Exploring Banking: A Post-Covid Industry Trend View
[Marianna Vilardi](https://www.linkedin.com/in/marianna-vilardi-1bb057163/)
MARKETING CONTENT CREATOR
open banking
[\#Clientrelationship]()[\#ClientExperience](/clientexperience/)[\#Customerjourney](/customerjourney/)[\#DigitalCollaboration](/digital-collaboration/)[\#DigitalEngagement](/digital-engagement)
Banks, it’s time to bet big on digital!
In recent years, the need for business to move from physical to digital has been a forefront priority. Innovations conveyed by tech companies and fintechs drove digital interactions to gradually become the default communication method for many people, especially among the digital only younger generations.
What’s more, face-to-face cooperation increased in complexity throughout the pandemic, and the shake-up imposed all banking clients to intensively use digital channels, therefore accelerating the urgency for banks to sharpen the weapons to compete in a digital first environment, against new tech entrants and competitors.
As a result, a gap has emerged in the banking industry, between those banks having a clearly articulated digital transformation strategy together with delivering superior experiences to clients and those being far from making significant progress execution on such strategy, with most banks admitting they must do more to keep up with digital-first challenges, and to appeal to a digital-native client framework, leveraging on greater investment in intelligent tech and cloud technology and a more customer-centric view.
Filling the Experience Gap to Leverage on Customer Centricity
According to McKinsey research, 70% of customers have already tired different brands since the pandemic started, while 60% expect to adopt new brands into their post pandemic lives.
It is interesting to consider to what extent Covid-19 essentially increased customers’ awareness towards providers that are both digital and empathic to their needs for simplicity – in times of exceptional difficulty – and transparency – in times of extreme uncertainty.
The post-covid banking test bench will therefore no longer be service-driven and sales-oriented and customer centricity is fluctuating towards the core of key decisions. Indeed, if it’s true that supporting clients in managing their financial life is still the ultimate goal, today more than ever before banks need to be part of their journey and progressively shape tools conforming to their preferences and expectations.
In practice, this calls for abandoning standardisation and embracing personalised banking experiences, as the number of advanced technological solutions of data processing and personalisation through AI are becoming more and more accessible.
Introducing the Banking Leader
Technology alone is not enough. To chart the path to transformation and drive growth banks are required to know the competitive landscape, transform people and culture – hand in hand with technology investments and agility to innovate at speed and scale.
We reckon the upcoming banking leader will have five fundamentals:
- An established customer-led culture with a 360-degree view of customer data
- A digital platform-based approach
- An omnichannel servicing delivery
- Personalised experiences and product offering
To rephrase it, the banking leading will implement and develop both systems & technology and operational capabilities to manage customer behavioural data, to segment customers and deliver unique end-to-end personalised experiences and journeys built on tailored interactions.
**RELATED POST**
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### Banking & Wealth Management: How to Win the Best of Both Worlds
[](/banking-and-wealth-management-how-to-win-the-best/)
Open Banking
### Objectway and Die Software for the future of Banking
[](/objectway-and-die-software-for-the-future-of-banking/)
**Categories:** #ClientExperience, #ClientRelationship, #CustomerJourney, #DigitalCollaboration, #DigitalEngagement, Blog, Open Banking
---
### [Market Trends Da Open Banking a Open Finance: come può evolvere il Wealth Management?](https://objectway.com/from-open-banking-to-open-finance-the-evolution-of-wealth-management/)
**Published:** May 8, 2024
**Author:** Leonardo Scarpa
**Excerpt:** The Community Event by CeTIF has been an opportunity to analyse the impacts of the shift from Open Banking to Open Finance, in terms of benefits and challenges.
**Content:**
###### May 08, 2024
# Da Open Banking a Open Finance: come può evolvere il Wealth Management?
[Paolo Cacciabue](https://www.linkedin.com/in/paolocacciabue/)
Senior Business Development Manager at Objectway
market trends
- [ITA](#tab-1750434104759-0)
- [ENG](#tab-1750434104838-9)
[\#OpenFinance](/open-finance/)[\#Behaviouralfinance](/behaviouralfinance/)[\#ClientCommunication](/clientcommunication/)[\#DigitalAdvisory](/digital-advisory/)
Negli episodi precedenti abbiamo analizzato come l’evoluzione tecnologica ha già modificato e modificherà ulteriormente le nostre attività abituali e nello specifico l’erogazione dei servizi finanziari; questo focus è dedicato al “Open Finance”.
L’evoluzione dell’Open Banking verso il modello Open Finance richiede necessariamente agli operatori finanziari una maggiore integrazione e condivisione di informazioni ed anche un ulteriore incremento dei sistemi di sicurezza informatica e privacy a tutela della clientela.
Nell’ambito della trasformazione digitale dell’Europa, è importante evidenziare che la Commissione Europea ha già incentivato l’evoluzione verso l’Open Finance emanando nel corso del 2023 le seguenti direttive che rispettivamente riguardano:
- PSD3 (Payment Services Directive), i servizi di Pagamento;
- FIDA (Financial Data Access), la condivisione dei dati finanziari della clientela e dei propri prodotti finanziari tra gli operatori di mercato;
- RIS (Retail Investment Strategy), la tutela degli investitori retail nel prendere decisioni di investimento coerenti con le loro esigenze e preferenze.
Queste nuove direttive fanno riferimento a singoli aspetti ma, complessivamente, sono gli elementi basilari e fondamentali per l’evoluzione dell’Open Banking verso l’Open Finance; al riguardo, Il CeTIF ha organizzato un Community Event dal titolo “RIS & Open Finance: verso una nuova era di Wealth Management?”. Un’opportunità per analizzare gli impatti di tale evoluzione, sia in termini di benefici che di criticità ed impegni.
Da quanto trattato è emerso che gli obiettivi ed i benefici delle singole direttive rispettivamente sono:
- PSD3, consolidare l’Open Banking: combattere le frodi nei pagamenti elettronici, livellare ed evidenziare le condizioni applicate dagli operatori del settore a beneficio dei consumatori, incentivare e migliorare la disponibilità del contante tramite i dispositivi elettronici;
- FIDA, definire obblighi e diritti per gestire la condivisione di dati finanziari dei clienti: lasciare al cliente la decisione di condividere i propri dati finanziari con più operatori finanziari dando evidenza da chi e come sono utilizzati, condividere le caratteristiche dei prodotti finanziari, definire interfacce standard per condividere agevolmente i dati finanziari, incentivare la chiarezza e trasparenza di esposizione delle informazioni condivise.
- RIS, incrementare la consapevolezza e conoscenza dei clienti retail riguardo al mercato finanziario: migliorare le norme in materia marketing per garantire la trasparenza anche con l’adozione di strumenti digitali, affinare le valutazioni di adeguatezza e appropriatezza della consulenza dei prodotti emessi da intermediari terzi, rafforzare le norme di trasparenza sui costi dei prodotti, incrementare l’alfabetizzazione finanziaria della clientela, incrementare ed ampliare il livello professionale dei consulenti finanziari.
L’attuazione di tali direttive permetterà agli intermediari di incrementare i livelli di sicurezza informatica e di avere a disposizione maggiori informazioni relative ai propri clienti. Il risultato sarà una maggiore conoscenza della propria clientela, una maggiore possibilità di personalizzazione dei servizi finanziari di WM prestati e una maggiore comprensione del comportamento del cliente al fine di poter svolgere consulenze finanziarie più efficaci tramite l’utilizzo di strumenti di AI e dei dati su specificità di condizione e contesto in cui solitamente vive e si confronta il cliente stesso.
Inoltre, avendo a disposizione maggiori informazioni sulla clientela, gli intermediari potranno ottenere ulteriori benefici economici creando nuovi modelli di business e sviluppando nuovi prodotti per esaudire le esigenze di personalizzazione dei servizi prestati; di conseguenza, vi sarà una transizione anche sui ricavi: da ricavo sul prodotto venduto a ricavo sul servizio prestato.
Gli operatori del settore presenti all’evento hanno convenuto che l’evoluzione verso l’Open Finance ha un grande potenziale ma di contro richiede un notevole impegno ed ha una significativa complessità di realizzazione; in altri termini, i costi non saranno marginali e le criticità maggiori riguarderanno:
- la modalità di scambio dei dati tra gli intermediari per garantire un alto livello di sicurezza e protezione dei dati stessi a scapito di possibili violazioni;
- la tutela dei clienti e la trasparenza per renderli consapevoli dei consensi e dei permessi che daranno per lo scambio tra intermediari dei propri dati;
- la standardizzazione dei dati, ovvero armonizzare le informazioni del singolo intermediario (spesso frammentate su diversi sistemi) con quelle recepite da soggetti terzi.
Un’ ulteriore criticità emersa è la ritrosia degli intermediari ad “aprirsi” per poter passare dalla competizione tradizionale ad un [approccio di tipo più cooperativo](/open-finance-a-new-era-of-collaboration-is-coming/) per adottare modelli operativi integrati a beneficio del cliente. Inoltre, per avere una conoscenza completa del cliente, sarà necessario acquisire anche dati assicurativi, immobiliari, societari; di conseguenza, la FIDA dovrà essere estesa anche a soggetti non prettamente finanziari.
Infine, un ulteriore impatto dell’evoluzione verso l’Open Finance sono le competenze del consulente:
- dovranno essere più ampie al fine di poter interloquire con il cliente sugli investimenti mobiliari, sui crediti e finanziamenti, su temi assicurativi e di previdenza;
- sarà sempre il referente unico del cliente ma dovrà saper lavorare in team per confrontarsi costantemente con gli specialisti dei prodotti mobiliari o assicurativi o previdenziali.
A fronte delle direttive emanate, gli Organi di Vigilanza hanno già iniziato ad approfondire le criticità citate e, attraverso la regolamentazione, potranno dare un sostanziale contributo per efficientare l’integrazione tra gli operatori e per l’armonizzazione dei dati e quindi mitigare i relativi costi e criticità evidenziati.
Per concludere, l’evoluzione verso l’Open Finance richiederà agli intermediari un notevole impegno per recepire i nuovi regolamenti, incrementare gli standard di sicurezza, armonizzare i dati, interfacciare altri operatori finanziari ed altri soggetti ma necessariamente richiederà anche, o forse soprattutto, un’evoluzione dell’approccio verso il mercato più aperto e collaborativo.
[\#OpenFinance](/open-finance/)[\#Behaviouralfinance](/behaviouralfinance/)[\#ClientCommunication](/clientcommunication/)[\#DigitalAdvisory](/digital-advisory/)
In the previous episodes, we have analysed how technological evolution has already modified and will further modify our usual activities, particularly in the provision of financial services; this focus is dedicated to “Open Finance.”
The evolution of Open Banking towards the Open Finance model necessarily requires financial operators to increase integration and sharing of information, as well as further enhance cybersecurity and privacy systems to protect customers.
Within the digital transformation of Europe, it is important to highlight that the European Commission has already encouraged the evolution towards Open Finance by issuing the following directives in 2023:
- PSD3 (Payment Services Directive), focusing on payment services;
- FIDA (Financial Data Access), concerning the sharing of customer financial data and their financial products among market operators;
- RIS (Retail Investment Strategy), aimed at protecting retail investors in making investment decisions that are consistent with their needs and preferences.
These new directives refer to individual aspects, but collectively, they are fundamental elements for the evolution of Open Banking towards Open Finance. In this regard, CeTIF organised a Community Event titled “RIS & Open Finance: towards a new era of Wealth Management?” An opportunity to analyse the impacts of this evolution, both in terms of benefits and challenges.
From the discussion, it emerged that the objectives and benefits of the individual directives are as follows:
- PSD3 aims to consolidate Open Banking: combat fraud in electronic payments, level and highlight the conditions applied by sector operators for the benefit of consumers, and incentivise and improve cash availability through electronic devices;
- FIDA aims to define obligations and rights to manage the sharing of customer financial data: allowing customers to decide whether to share their financial data with multiple financial operators, specifying who uses the data and how, sharing the characteristics of financial products, defining standard interfaces for easy data sharing, and promoting clarity and transparency in shared information.
- RIS aims to increase retail customers’ awareness and knowledge of the financial market: improving marketing regulations to ensure transparency even with the adoption of digital tools, refining assessments of the suitability and appropriateness of products advised by third-party intermediaries, strengthening transparency rules on product costs, increasing financial literacy among customers, and enhancing the professional level of financial advisors.
The implementation of these directives will allow intermediaries to increase cybersecurity levels and have more information about their customers. The result will be a better understanding of their clientele, more personalised wealth management financial services, and a deeper comprehension of customer behaviour to provide more effective financial consultations using AI tools and data on specific customer conditions and contexts.
Moreover, with more customer information, intermediaries can achieve additional economic benefits by creating new business models and developing new products to meet the customization needs of their services. Consequently, there will be a transition in revenues from product sales revenue to service provision revenue.
Industry operators present at the event agreed that the evolution towards Open Finance has great potential but requires considerable effort and has significant complexity in implementation; in other words, the costs will not be marginal, and the major challenges will include:
- The mode of data exchange among intermediaries to ensure a high level of security and data protection at the expense of possible breaches;
- Customer protection and transparency to make them aware of the consents and permissions they give for data exchange between intermediaries;
- Data standardization, harmonizing individual intermediary information (often fragmented across different systems) with data received from third parties.
Another emerging challenge is intermediaries’ reluctance to “open up” to transition from traditional competition to a [more cooperative approach](/open-finance-a-new-era-of-collaboration-is-coming/) to adopting integrated operational models for the benefit of the customer. Furthermore, to have a complete understanding of the customer, it will be necessary to acquire insurance, real estate, and corporate data; therefore, FIDA will also need to be extended to non-financial entities.
Finally, another impact of the evolution towards Open Finance is on consultant skills:
- They will need to be broader to engage with customers on securities investments, credits and financing, insurance, and pension issues;
- They will still be the customer’s single point of contact but will need to work in teams to constantly engage with specialists in securities or insurance or pension products.
In light of the issued directives, regulatory bodies have already begun to delve into the mentioned challenges, and through regulation, they can substantially contribute to streamlining integration among operators and harmonizing data, thereby mitigating the highlighted costs and challenges.
In conclusion, the evolution towards Open Finance will require intermediaries to make a considerable effort to embrace new regulations, increase security standards, harmonise data, interface with other financial operators and entities, but it will also necessarily require, perhaps above all, an evolution of the approach towards a more open and collaborative market.
**RELATED POST**
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### Chi è il cliente wealth oggi e come sarà quello di domani
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### Open Finance: The Evolution Of Finance Into An Open Ecosystem
[](/open-finance-the-evolution-of-finance-into-an-open-ecosystem/)
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### Leveraging Open APIs to build your digital ecosystem
[](/leveraging-open-apis-to-build-your-digital-ecosystem/)
**Categories:** #BehaviouralFinance, #ClientCommunication, #DigitalAdvisory, #OpenFinance, Blog, Market Trends
---
### [Market Trends Not only to survive, but to thrive: CIOs’ priorities for success in 2024](https://objectway.com/predicts-2024-investment-management-drives-productivity-navigating-ongoing-global-uncertainty/)
**Published:** May 30, 2024
**Author:** Lorenzo Noventa
**Excerpt:** Objectway offers you a complimentary copy of Gartner® report, outlining the essential predictions for business leaders to drive productivity amid uncertainty.
**Content:**
###### May 30, 2024
# Not only to survive, but to thrive: CIOs’ priorities for success in 2024
[Marianna Vilardi](https://linkedin.com/in/marianna-vilardi-1bb057163/)
Senior Marketing Content Creator
market trends
[\#ClientCommunication](/clientcommunication/)[\#DigitalCollaboration](/digital-collaboration/)[\#HybridAdvisory](/hybrid-advisory/)[\#RiskManagement](/risk-management/)[\#PortfolioOptimisation](/portfolio-optimisation/)
The investment services industry is currently grappling with well-known challenges, further exacerbated by stagnant productivity rooted in toutdated business models and the persistent hurdles posed by legacy technology. Moving forward, the firms that will thrive are therefore those that effectively manage costs, swiftly adapt to emerging opportunities, and [leverage powerful forces like AI.](/wealthtech-landscape-report-2024-industry-ai-journey-and-how-explainability-works/) For CIOs the priority is clear: focus on IT initiatives that significantly boost productivity.
In this scenario, we feel Gartner® underscores the importance of cost management:
“Managing cost is essential, with industry cost to income ratio (CIRs) having risen to over 70% across asset and wealth management, and across firm size. Technology spent as a part of total operating expense has risen to 15% in 2022 from 13% five years earlier. The CIO’s top priority will enhance IT productivity, while managing cost and navigating through this constant uncertainty and volatility.”
Also, in this unpredictable landscape, CIOs and technology leaders must proactively anticipate and respond to disruptions. Resilience—marked by the ability to navigate crises with agility and adapt to constant change—will be key to success, all while maintaining a focus on business goals.
Finally, according to Gartner, harnessing mega forces like AI is crucial. CIOs must champion cultural shifts within their organizations to drive innovation and prepare for the future. They are *“uniquely positioned to enable fundamental changes in the operating model through digitalization and tautomation, as well as new growth through technology enablement.”*
Considering this, key predictions for the industry include:
- Optimization Practices
As attested by Gartner research, *“Through 2026, 50% of CIOs will implement optimization practices by cutting underperforming initiatives to accelerate strategic projects, improving IT productivity by over two times.”*
- Advisor Platforms
Gartner highlights that *“By 2026, 75% of wealth management firms will deploy all-in-one advisor desktop platforms and increase advisory productivity by at least 25%”.* These platforms will streamline advisor workflows and provide advanced analytical capabilities to meet client expectations.
- AI in Training
With the average age of investment advisors now at 56, wealth management firms must prepare for the departure of these experienced professionals. According to Gartner, *“By 2027, 70% of wealth management firms will delegate advisor training and development to a training AI assistant, reducing time to full productivity by 50%.”* These AI tools will expedite the training process through content summarization and adaptive learning techniques.
- Data Ecosystems
*“By 2025, 50% of investment firms will adopt data ecosystems to automate the data life cycle from discovery to delivery, reducing cost of attaining and managing data by 40%”*, says Gartner. These ecosystems will provide access to a wide range of datasets, including ESG and alternative data.
- Hybrid Advice Models:
*“By 2026, 60% of wealth management firms will have developed hybrid advice capabilities, closing the gap between self-directed and traditional advice, and increasing profitability by 25%”.* On the client side, this allows customers to choose which tasks they prefer to handle independently and when they wish to collaborate with their trusted advisor. On the advisor side, this hybrid digital advice model empowers them to foresee or predict these moments of contemplation.
In conclusion, the future success of the investment services industry hinges on the ability to manage costs, leverage technological advancements, and maintain agility in the face of disruption. CIOs and technology leaders will play a crucial role in guiding their organizations through these challenges, ensuring they are well-positioned to capitalize on new opportunities and drive sustained growth.
This and much more is explored in the @Gartner® Predicts 2024: Investment Management Drives Productivity Amid Uncertainty.
[Get immediate access to the Gartner® report! Objectway offers you a complimentary copy.](https://www.objectway.com/downloadgartner/)
Gartner, Predicts 2024: Investment Management Drives Productivity Amid Uncertainty, Ali Merji, Chuck Thomas, 19 March 2024.
*GARTNER is a registered trademark and service mark of Gartner, Inc. and/or its affiliates in the U.S. and internationally and is used herein with permission. All rights reserved.*
**RELATED POST**
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### What promises will AI deliver to Wealth Management in 2024?
[](/ai-in-wealth-management-perspectives-and-potential-impacts-for-2024/)
Market Trends
### Initial Outlook for Fintech in Europe in 2024
[](/initial-outlook-for-fintech-in-europe-2024/)
Technology
### Tech-Driven Evolution and Challenges in Wealth Management: Happening Today, Impacting Tomorrow
[](/tech-driven-evolution-and-challenges-in-wealth-management-for-2023-and-beyond/)
**Categories:** #ClientCommunication, #DigitalCollaboration, #HybridAdvisory, #PortfolioOptimisation, #Sustainability, Blog, Market Trends
---
### [Market Trends Scalability in UK Wealth Management: Turning Challenges into Opportunities](https://objectway.com/scalability-in-uk-wealth-management-the-key-for-increased-value-added-time-for-front-office-staff/)
**Published:** June 17, 2024
**Author:** Lorenzo Noventa
**Excerpt:** In the ever-dynamic landscape of wealth management, the concept of scalability often sits at the crossroads of opportunity and challenge.
**Content:**
###### June 17, 2024
# Scalability in UK Wealth Management: Turning Challenges into Opportunities
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
BUSINESS DEVELOPMENT DIRECTOR
market trends
[\#Businessdevelopment](/businessdevelopment/)[\#Clientrelationship]()[\#DigitalChange](/digitalchange/)[\#FrontOffice](/front-office/)[\#Scalability](/scalability)
In the ever-dynamic landscape of wealth management, the concept of scalability often sits at the crossroads of opportunity and challenge. Recently, Compeer and Objectway hosted a roundtable event bringing together senior executives from the UK wealth management sector to delve into this very topic.
The conversation started with a clear consensus: the [industry is grappling with scalability.](/using-digital-change-to-enable-front-office-scalability/) As costs climb and revenues plateau, firms are compelled to enhance their scalability, both in the short and long term.
Interestingly, there’s no one-size-fits-all understanding of scalability within the industry. Executives agreed that for scalability to be effective, it must translate into increased “value-added time” for front office staff. This means streamlining administrative tasks, thus freeing up staff to focus more on client interactions.
Embracing Technology for Scalability
A significant theme of the discussion was the adoption of new technologies. “Legacy systems” were linked to too many manual processes and not enough robust controls while Excel, despite its widespread use for data manipulation, was increasingly seen as a hindrance countering scalable processes. The search for more efficient, scalable solutions is ongoing, with the promise of these new technologies offering a way to overcome many of the industry’s current challenges.
One key area of technological investment is in client self-service systems. Streamlining processes such as client onboarding through self-service tools can significantly reduce manual workloads, a longstanding issue for many firms.
However, the shift to new technologies isn’t without its hurdles. Training internal staff is critical to ensure smooth transitions and maximise the benefits of these innovations. This is especially true as the industry prepares for a generational shift in both clients and employees.
Generational Shifts and Client Expectations
Looking to the future, the wealth management sector must also consider the evolving demographics of its client base. Younger generations are beginning to enter the market, bringing with them new expectations and preferences. High-end, tech-savvy client-facing solutions are becoming more than a nice-to-have; they are a necessity.
Younger staff members, who are often more adept with new technologies and have higher expectations themselves, can play a crucial role in building and maintaining relationships with these newer clients. This not only aids in client retention but also aligns with the broader goal of scalability.
Strategic Investments for the Future
Despite varying definitions of scalability, one traditional view remains prevalent: maintaining or reducing costs while allowing for asset growth. Yet, current industry data highlights a troubling trend – costs are rising across the board. This reality underscores the need for strategic planning and investment in more efficient technologies to manage these expenses. A modular system, designed to boost productivity across both front and back offices, exemplifies the type of innovative solution needed.
How to unlock scalability’s potential? We do not know for certain, but a combination of strategic investment in technology, streamlined processes, and a forward-thinking approach to both client and staff dynamics may well be the key.
**RELATED POST**
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### Improving the Client Experience: Navigating the intersection of Technology and Personalisation in UK WM
[](/improving-client-experience-navigating-a-seamless-transition-between-digital-and-human/)
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### Crafting a Comprehensive Client Experience Strategy: A Blueprint for Success
[](/crafting-a-comprehensive-customer-experience-strategy-design-segregation-and-enhance-engagement/)
Business Reconfiguration
### Unlocking Back-Office Potential & Operational Excellence in UK Wealth Management
[](/unlocking-back-office-potential-and-operational-efficiency-in-uk-wealth-management/)
**Categories:** #BusinessDevelopment, #ClientRelationship, #DigitalChange, #FrontOffice, #Scalability, Blog, Market Trends
---
### [Open Banking Banking Client Centricity: The Competitive Currency of 2022](https://objectway.com/banking-client-centricity-the-competitive-currency-of-2022/)
**Published:** February 15, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** With the right technology in stock, to target clients with tailored communication and experiences, a company can design the next client experience.
**Content:**
###### FEB 15, 2022
# Banking Client Centricity: The Competitive Currency of 2022
[Marianna Vilardi](https://www.linkedin.com/in/marianna-vilardi-1bb057163/)
MARKETING CONTENT CREATOR
open banking
[\#Clientrelationship]()[\#ClientExperience](/clientexperience/)[\#Customerjourney](/customerjourney/)[\#DigitalCollaboration](/digital-collaboration/)
Companies, in every sector, have been trying to adopt customer centricity for nearly two decades. And yet, every time they believe they have reached the holy grail of competitive advantage, there they are demands and expectations changing again.
Over the last two years, largely due to the pandemic, firms in the financial services industry have questioned how they engage with clients and explored new methods to do old stuff. Some made significant progress and manufactured comprehensive digital experiences, others are still working on it. But is there time to keep thinking on how to put your client at the centre? Or the time has come to get in the game and act?
How to get Client Centricity right?
Building a banking digital experience that puts the client at the centre of the process is definitely easier said than done, and one of the major obstacles we reckon is the overwhelming volume, velocity and variety of customer data that financial institutions inevitably collect across multiple channels on a daily basis and throughout the entire customer journey.
The thing is, they are all competing in the same market, for the same target, having the same goal so there must be a keystone that counts for the ultimate differentiator in the collective assessment. Ladies and gentlemen, we’re talking about technology.
The growing attention towards digital solutions also among older generations, together with a huge part of the financial population being digital-first, lowered the attractiveness of traditional banks and favoured new banking paradigms.
Indeed, with the right technology in stock, one that enables processes and operational capabilities to target clients with tailored communication and experiences, a company can become the demiurge of the next client experience. Take a CRM system, it provides banks with a centralised database where to store customer data and build customer profiles; but also, the coming of age of super apps, that combine a plethora of financial services, being accessible all in one place, and bring advantages in terms of higher degree of integration.
Beyond technology, clints desire and will always desire benefits in terms of payments, compliant privacy policies etc. but all these benefits are worth little if not carefully customised. On their side, banks are challenged to go further than simple segmentation and create segments of one.
As a result of this, clients should perceive that the banks own a deep understating of their very unique preferences and needs: what products they personally consider the most relevant, what are the features they search for or care about the most and how existing products can meet these priorities. This, we can call it need-based design.
At a surface level, banks need to personalise communication to convey how their products meet clients’ preferences and satisfy their objectives. All this must be embedded into a solid, overall customer-centric strategy that crosses the entire operating model, meaning that the organisation must be based on a client-centric, agile, flexible way of working and is grouped under the same client-first culture.
At the end of the day, client centricity is the basis, from which banks will be able to build customer engagement and create a personal, stable, long-term relationship with clients.
**RELATED POST**
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### Exploring Banking: A Post-Covid Industry Trend View
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Open Banking
### Banking & Wealth Management: How to Win the Best of Both Worlds
[](/banking-and-wealth-management-how-to-win-the-best/)
Open Banking
### Objectway and Die Software for the future of Banking
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**Categories:** #ClientExperience, #ClientRelationship, #CustomerJourney, #DigitalCollaboration, Blog, Open Banking
---
### [Market Trends Objectway at the 17th Richmond Financial Forum](https://objectway.com/objectway-at-richmond-financial-forum-supporting-banks-to-reach-client-centricity/)
**Published:** June 18, 2024
**Author:** Lorenzo Noventa
**Excerpt:** During the Richmond Financial Industry Forum, Objectway stood out as a strategic partner for banks and financial institutions to achieve client centricity.
**Content:**
###### June 18, 2024
# Objectway at the 17th Richmond Financial Forum
[Ramazan Celiköz](https://www.linkedin.com/in/ramazan-celikoz/)
Market & Business Development
[Dr. Alexander Cassar](https://www.linkedin.com/in/sandrocassar/)
Objectway Chief Business Operation Officer
market trends
[\#artificialintelligence](/artificial-intelligence/)[\#clientexperience ](/clientexperience/)[\#dataprotection](/data-protection/)[\#digitalisation](/digitalisation/)[\#offeringevolution](/offering-evolution/)
[\#sustainableinnovation ](/sustainable-innovation/)
Last week, we had the privilege to represent Objectway at the 17th Richmond Financial Forum in Interlaken, Switzerland. This event stands as a highlight in the DACH region’s financial calendar offering invaluable networking opportunities!
Our Presentation to delegates
This year, we were one of three selected vendors to address a plenary session. Our topic, which we submitted in co-operation with the BEI (Business Engineering Institut), obviously struck a chord with the trend topics, so that it met with lively interest. Mrs. Stefanie Auge-Dickhut from BEI presented on «How can banks achieve optimal digital customer proximity with customer-centered service design?». We demonstrated how [Objectway is already supporting banks and financial institutions in reaching this level of client centricity.](https://www.objectway.com/objectway-serves-wide-range-of-clients-and-financial-institutions/)
Dominant topics in people’s minds
Key topics that dominated the discussions on the event were not surprisingly:
- Client-Centric Products & Services & Improvement of Client Experience: Emphasising personalised client offerings with focused on trading and investment offerings, and improvement of digital client journeys and advisory services.
- AI & Digital Innovation: Exploring various Use Cases of AI-augmented software development and increasing usage of generative AI by clients.
- Data Protection & Compliance: Addressing the criticality of data protection cyber security and regulatory adherence.
- Operational Efficiency & Outsourcing: Highlighting the effective implementation of regulatory requirements and the benefit of outsourcing back-office operations.
Readiness for Change
The Swiss financial market is very well known for its high rate of digitalisation,
outsourced processes and a dense network of providers and partners. This was evident in the discussions and the overall atmosphere of the conference. Many attendees were familiar with each other, indicating the existing trustfull cooperation within the industry.
Despite global uncertainties and market challenges, the Swiss financial industry remains open to change and is willing to invest in various areas to ensure client satisfaction and sustainable growth. And they are willing to realise these changes with trusted partners. The conference provided valuable insights into the short- and mid-term plans and priorities of Swiss banks. We engaged in fruitful discussions about digital projects aimed at
improving customer experience, upgrading back-office solutions, and enhancing market offerings through more customer-centric digital channels.
The clear message from our discussions is that Swiss banks are ready for significant changes and important investments in digitalisation. They seek to implement these changes in collaboration with reliable, strong partners.
While some conservative institutions still prefer Swiss-based partners, there is an increasing openness towards experienced international players with innovative offerings like Objectway.
Banks expect fast and cost-efficient solutions for better customer engagement, as well as flexible, future-ready back-end systems that enable sustainable growth.
These expectations align perfectly with our market mission and capabilities, which makes us very confident about our work in Switzerland. Therefore, we are looking forward to continuing our discussions with many banks in the coming weeks.
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### Wie Technologien, Sicherheit und Kundenerwartungen die digitale Transformation im Banking vorantreiben
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Artificial Intelligence
### AI in Banking: Themes and Emerging Topics for 2024
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### Not only to survive, but to thrive: CIOs’ priorities for success in 2024
[](/predicts-2024-investment-management-drives-productivity-navigating-ongoing-global-uncertainty/)
**Categories:** #ArtificialIntelligence, #ClientExperience, #Dataprotection, #Digitalisation, #Offeringevolution, #Sustainableinnovation, Blog, Market Trends
---
### [Market Trends A Glimpse into the Future of Wealth Management](https://objectway.com/compeer-annual-industry-review-2024-a-glimpse-into-the-future-of-wealth-management/)
**Published:** September 3, 2024
**Author:** Lorenzo Noventa
**Excerpt:** Objectway participated to Compeer WM Industry Review to explore the industry current challenges and future opportunities.
**Content:**
###### September 03, 2024
# A Glimpse into the Future of Wealth Management
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
BUSINESS DEVELOPMENT DIRECTOR
market trends
[\#Mifid](/mifid/)[\#Portfoliomanagement](/portfolio-management-h/)[\#PortfolioOptimisation](/portfolio-optimisation/)[\#RiskManagement](/risk-management/)[\#Regtech](/regtech/)
Once again, Objectway were proud to participate in the annual wealth management industry review hosted by Compeer, a pivotal event that gathers senior executives from the UK’s leading Wealth Management firms. This year’s gathering provided an in-depth exploration of the industry’s current landscape, its challenges, and the opportunities that lie ahead. The insights shared were both revealing and encouraging, painting a picture of resilience, yet also highlighting areas ripe for innovation and improvement.
A Resilient Industry with Room to Grow
Compeer’s benchmarking research covering over 160 wealth managers in the UK highlighted a promising outlook; the industry is thriving, with record-high assets and revenues. On average, firms are making close to 25% pre-tax profit -margin – a testament to the sector’s enduring strength and adaptability.
However, there is still significant room for improvement in the industry as a whole. For example, IT and Operations costs as a % of revenue can vary by a factor of 10, most firms are still not scalable and at least 20% of firms are making margins of 10% or less (including loss making).
The Growing Focus on System Change
One of the key themes that emerged during the event was the unprecedented focus on system change within the industry. Objectway presented findings from in depth interviews with firms examining why there is an unprecedented focus on system change. Indeed 7 out of 10 firms are currently engaged in this and/or are likely to kick off a project in the next 6 months.
But what are firms trying to achieve through system change? Objectway’s research identified several key objectives.
One of the primary goals is to retain existing customers by enhancing the end client experience. This includes delivering a seamless hybrid experience which is personalised and includes a ‘wow factor’.
Another critical objective is to improve front office productivity. Many firms are seeking to reduce the time their staff spend on administrative tasks and manual processes, which could be more efficiently handled through automation. By streamlining operations, wealth management firms can empower their teams to focus on higher-value activities, ultimately driving better client outcomes and business growth.
Is System Change worth the effort?
System change (or change of any kind) is no small undertaking. It involves significant investment, both in terms of time and resources. However, the potential outcomes are surely worth it. Objectway’s customer case studies showed significant improvements in the client experience measured by a positive (market leading) change in NPS and impressive client growth figures. Productivity also improved markedly with Investment managers able to manage 25% more assets on average and helping firms to move into the top performing quartiles as measured by Compeer.
There is still a lot to fix in Wealth Management but we are talking about a well established industry trusted by its clients and deemed to deliver value. System change should help enable these fixes. By embracing innovation and committing to continuous improvement, wealth management firms can not only maintain their current success but also unlock new levels of performance and client satisfaction.
In conclusion, the insights from the Compeer Industry Event 2024 make it clear: the sky is the limit. With the right strategies and a willingness to embrace change, firms can secure their place at the forefront of this dynamic industry.
**RELATED POST**
Customer Experience
### Improving the Client Experience: Navigating the intersection of Technology and Personalisation in UK WM
[](/improving-client-experience-navigating-a-seamless-transition-between-digital-and-human/)
Business Reconfiguration
### Unlocking Back-Office Potential & Operational Excellence in UK Wealth Management
[](/unlocking-back-office-potential-and-operational-efficiency-in-uk-wealth-management/)
Analyst Research
### The Positive Influence of Technology on UK Wealth Management: Findings from a series of Roundtables
[](https://www.objectway.com/download-analyst-research-the-positive-influence-of-technology-on-uk-wealth-management/)
**Categories:** #Mifid, #PortfolioManagement, #PortfolioOptimisation, #RiskManagement, Blog, Market Trends
---
### [Market Trends L’effettiva presenza ESG nel Wealth Management](https://objectway.com/leffettiva-presenza-esg-nel-wealth-management/)
**Published:** October 16, 2024
**Author:** Lorenzo Noventa
**Excerpt:** I criteri ESG ridefiniscono le scelte di investimento della clientela: trasparenza, analisi del rischio e ruolo del promotore per ottimizzare i portafogli.
**Content:**
###### October 16, 2024
# L’effettiva presenza ESG nel Wealth Management
[Paolo Cacciabue](https://www.linkedin.com/in/paolocacciabue/)
Senior Business Development Manager at Objectway
market trends
[\#Behaviouralfinance](/behaviouralfinance/)[\#Clientrelationship]()[\#DigitalAdvisory](/digital-advisory/)[\#Esg](/esg/)[\#Offeringevolution](/offering-evolution/)[\#PortfolioOptimisation](/portfolio-optimisation/)[\#SustainableInnovation](/sustainable-innovation/)
I temi di sostenibilità ambientale, sociale e di governance sono divenuti punti d’attenzione a tutti i livelli; infatti, le nuove iniziative o progettualità, in qualsiasi ambito, devono necessariamente tener conto di questi aspetti.
La finanza sostenibile, con i criteri ESG (Environment, Social, Governance), ha definito i principi di investimento per generare sia un ritorno finanziario sia un impatto ambientale e sociale positivo, concreto e misurabile.
Tuttavia, malgrado la crescente attenzione a questi temi anche da parte degli intermediari finanziari, non si riscontra lo stesso interesse da parte della clientela; questi aspetti sono emersi durante il Community Event sul tema “ESG WEALTH MANAGEMENT” organizzato da CeTIF, Il Centro di Ricerca dell’Università Cattolica del Sacro Cuore.
I partecipanti hanno evidenziato che una larga parte della clientela non ha chiaro, o meglio non ha acquisito, il significato ESG. I dati presentati dal CeTIF riflettono esattamente questa situazione: a livello globale attualmente solo il 14% degli investitori ha oltre la metà dei propri portafogli allocati in strumenti sostenibili; però, secondo le stime relative agli andamenti futuri, il 54% degli investitori prevede di aumentare le allocazioni di portafoglio in investimenti sostenibili nel prossimo anno; tale percentuale è superiore analizzando solo il mercato europeo.
Il “IX Rapporto CONSOB”, sulle scelte di investimento degli italiani emanato lo scorso luglio, rileva che anche in Italia solo una minima parte degli investitori detiene prodotti ESG, ed è importante evidenziare che gli intervistati erano investitori abituali, quindi con competenze finanziarie sopra la media.
Tra i motivi che determinano questa situazione, i più significativi in termini percentuali sono: - scarsa conoscenza della finanza sostenibile, soprattutto riguardo a criteri e significato ESG,
- scarsa profittabilità nel breve periodo con una percezione di rischio comunque molto elevata,
- scarsa capacità di riconoscere un prodotto “sostenibile” rispetto ad uno tradizionale, solo il 32% degli intervistati dichiara di conoscerne la differenza.
Quest’ultimo punto evidenzia la percezione di opacità della finanza sostenibile da parte della clientela, che però viene mitigata a fronte del supporto di consulenza da parte di un promotore.
Un altro aspetto che concorre a disincentivare gli investimenti EGS è dato dalla scarsa trasparenza e correttezza dei dati raccolti dagli intermediari finanziari e a loro volta forniti agli investitori finali; spesso le dichiarazioni di greenwashing di un prodotto finanziario (o di un’entità detenuta da uno strumento finanziario) non riflettono in modo chiaro e preciso l’effettivo profilo di sostenibilità. Purtroppo, accade anche che tali informazioni siano a volte ingannevoli o addirittura false.
Quindi, i temi su cui gli intermediari finanziari devo focalizzarsi e porre maggior attenzione per incrementare gli investimenti in prodotti ESG sono: raccolta di dati e informazioni sui sottostanti, greenwashing, caratteristiche dello strumento, evidenza dei rischi e della performance, comunicazione trasparente.
Tutti gli operatori del mercato WM presenti hanno condiviso che per incrementare gli investimenti ESG è fondamentale che sia l’intermediario ad indirizzare, o meglio ad orientare, correttamente il cliente; ancora una volta diventa centrale il ruolo del promotore che deve avere le necessarie competenze e informazioni per interloquire con il cliente finale e prestare una corretta consulenza finanziaria.
La conferma di una maggiore propensione agli investimenti ESG da parte della Clientela che può disporre di informazioni chiare è venuta da un intermediario che ha realizzato una piattaforma ad hoc per offrire ai propri clienti strumenti e prodotti ESG; questa piattaforma consente con appositi filtri evoluti di ricercare e selezionare i prodotti più vicini al proprio desiderato, elaborare analisi e simulazioni di portafoglio utilizzando alcuni indicatori SDGs (Sustainable Development Goals adottati all’unanimità dall’Assemblea generale delle Nazioni Unite in merito agli “Obiettivi di Sviluppo Sostenibile”).
Purtroppo, però le normative in materia a livello comunitario presentano ancora delle incongruenze e dovranno essere affinate; ne è riprova l’allarme emanato in questi giorni da EFAMA (European Fund and Asset Management Association) che ha sollevato alcuni dubbi in merito all’impatto che le linee guida dell’autorità rischiano di produrre sul settore dei corporate green bond.
In conclusione, i temi ESG sono di pubblico dominio ed il settore finanziario può contribuire a questo sviluppo fornendo dati e informazioni maggiormente attendibili sull’effettiva sostenibilità dei prodotti finanziari offerti, in modo da incrementare gli investimenti della propria clientela in questo settore.
La tecnologia è e rimarra sicuramente un elemento fondamentale e imprescindibile per poter analizzare e sintetizzare i dati secondo i criteri ESG e poter mettere a disposizione dei promotori finanziari e della clientela adeguati strumenti per svolgere investimenti consapevoli e, ovviamente, sostenibili.
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Innovation
### Innovazione e sostenibilità: le sfide di oggi e di domani nell’industria della finanza
[](/technological-innovations-for-digital-wealth/)
Innovation
### ESG and Sustainable Investing at OWIN23: Insights from a panel discussion on Offering Evolution
[](/navigating-the-complexities-of-esg-and-sustainable-investing-owin23-panel-on-offering-evolution/)
Innovation
### Sustainability & Innovation in Asset & Wealth Management
[](/sustainability-and-innovation-in-asset-and-wealth-management/)
**Categories:** #BehaviouralFinance, #ClientRelationship, #Esg, #Offeringevolution, #PortfolioOptimisation, #Sustainableinnovation, Blog, Market Trends
---
### [Market Trends Investing in Technology to lead the industry: North America edition](https://objectway.com/investing-in-technology-and-redefining-client-experience-for-north-american-wealth-management-firms/)
**Published:** November 7, 2024
**Author:** Lorenzo Noventa
**Excerpt:** North American wealth management firms are embracing a forward-thinking approach with a focus on agility, compliance and client experience.
**Content:**
###### November 7, 2024
# Investing in Technology to lead the industry: North America edition
[Marianna Vilardi](https://linkedin.com/in/marianna-vilardi-1bb057163/)
Senior Marketing Content Creator
market trends
[\#Artificialintelligence](/artificial-intelligence/)[\#Automation](/automation/)[\#ClientExperience](/clientexperience/)[\#Cloud](/cloud-2/)[\#dataprotection](/data-protection/)[\#DigitalEngagement](/digital-engagement)[\#Onboarding](/onboarding/)
As North American wealth management firms face an influx of competition from fintechs, digital wealth managers, and big tech giants, they are turning to technology not just to stay relevant, but to stay ahead, embracing a forward-thinking approach that prioritizes agility, compliance, and client experience. So, what are the key drivers fuelling IT budgets in North America’s wealth management sector, and how are these investments transforming the industry?
Compliance & Data Privacy: The Non-Negotiables
Unlike the days when compliance was simply a box to check, today it is a core part of a firm’s competitive edge; with regulatory requirements growing more complex every year, staying compliant has become a major IT spending driver across North America. In the US, where financial regulations are particularly rigorous, wealth managers are placing a major emphasis on technology that supports real-time compliance monitoring and swift adaptation to new rules. By investing in advanced compliance tools, firms are not only safeguarding themselves but also building greater trust with clients, who value robust data security and transparent practices in their providers.
Simultaneously, wealth managers are strengthening their data privacy practices as a core component of both their broader compliance strategy and IT investment strategy. Technologies like AI-driven anomaly detection and access control systems, enable firms to adhere to privacy regulations and safeguard client data against potential breaches. With clients increasingly concerned about data protection, firms know that keeping data safe is paramount to maintaining trust.
Modernizing Legacy Systems to meet today’s market demands
While compliance is a critical area, many firms are also focusing on modernizing their legacy infrastructure. For wealth management firms that have operated for decades, older systems are becoming increasingly limited when compared to agile, tech-savvy fintech competitors. Recognizing this trend, wealth managers are embracing solutions like cloud migration, API integrations, and no-code/low-code platforms to streamline and future-proof their operations. This modernization increases operational efficiency but also provides firms with the flexibility needed to pivot and evolve alongside changing market demands and client expectations.
Competing on Flexibility
With competition coming from all sides, wealth management firms know that being able to react quickly to market changes is invaluable. Migrating workloads to the public cloud has emerged as a game-changer – a strategic decision that enhances flexibility, enabling firms to scale operations efficiently and respond to client needs more dynamically. The move to cloud-based infrastructure is more than an IT upgrade; it’s a competitive strategy that allows firms to capture new opportunities, deploy solutions rapidly, and stay nimble in an ever-accelerating digital landscape.
Putting Clients First
Some priorities remain central, and as client expectations continue to grow, wealth managers in North America are now being directed toward enhancing client-facing and advisor-driven tools. In Canada, the client experience has become a significant focus, with firms working to provide advisors with digital solutions that reduce time spent on routine tasks, allowing for more high-value interactions. By investing in the front office, wealth managers aim to deliver a streamlined and personalized client experience that meets clients where they are, whether through intuitive digital platforms or bespoke financial planning solutions. This client-cantered tech strategy is as much about improving internal operations as it is about retaining client trust and loyalty.
Warming up the engines of Digital Transformation: AI & Cloud
As technology reshapes wealth management, firms are using artificial intelligence and cloud-based solutions to bring speed, precision, and personalization to their services. AI is increasingly becoming a component of client onboarding, account management, and advisor workflows, helping firms boost efficiency while delivering more tailored client experiences. Cloud technology, too, has become a key component of IT strategy, particularly in areas like CRM, client acquisition, and advisor portals. In the U.S., where SaaS adoption is especially high, cloud solutions enable firms to scale rapidly, roll out new services, and expand their digital offerings – all while lowering the costs and constraints associated with traditional IT infrastructure.
As these priorities converge, wealth managers have a unique opportunity: to redefine the client experience while creating agile, efficient operations that meet the highest standards of security and service. The firms that seize this moment to innovate will not only lead the market but also set a new benchmark for the future.
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### AI e GenAI: nuovi strumenti a supporto del WM
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---
### [Insurance Consulenza assicurativa: un approccio olistico alla raccolta dati](https://objectway.com/consulenza-assicurativa-un-approccio-olistico-alla-raccolta-dati/)
**Published:** March 19, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** I clienti riconoscono nel settore assicurativo un ruolo di garanzia, ma questo viene meno se non c’è certezza su come vengono utilizzati i dati trasmessi.
**Content:**
###### MARCH 19, 2021
# Consulenza Assicurativa: un Approccio Olistico alla Raccolta Dati
[Nicola Pepè](https://www.linkedin.com/in/nicola-pepe-6569861/)
Senior Business Development Manager
Insurance
[\#Insurance](/insurance-h)[\#Idd](/idd)[\#Regtech](/regtech/)
Recentemente abbiamo esaminato gli impatti determinati dalle disposizioni normative IVASS nei processi di vendita dei prodotti assicurativi. Soffermiamoci ora sull’importante tema della raccolta e gestione dei dati personali e sensibili.
Essere “connessi” non rappresenta solo un fenomeno che invade completamente le nostre vite, ma alimenta anche un accumulo incessante di tracce digitali. L’uso della tecnologia (mobile, wearable, IoT) spinge le persone a trasmettere tutti dati relativi alle principali dimensioni della propria vita quotidiana (famiglia, affetti, casa, lavoro, tempo libero).
Diventa quindi importante che questi dati, al fine di essere trasformati in informazioni, siano sempre ricondotti all’ambito in cui si opera e ancor di più alle finalità con cui vengono scambiati.
Diverse ricerche sottolineano l’importanza del contesto in cui le informazioni vengono usate e della modalità d’uso, dissuadendo dal pensare che esistano dati buoni o cattivi, utili o non necessari.
Il ruolo del settore assicurativo è proteggere le persone da eventi incerti e da imprevisti nel corso della loro esistenza. I clienti riconoscono in questo settore un ruolo di garanzia e copertura, ma questo presupposto viene meno se non c’è certezza su come vengono utilizzate le informazioni.
Automatizzare la raccolta delle informazioni
Quali sono i benefici che si possono ricavare comunicando dati personali, sensibili ed in molti casi riservati, verso chi offre servizi assicurativi?
Nello specifico, possiamo individuare alcuni benefici primari attesi, come ricevere una protezione, ricevere garanzia di sicurezza individuale e del proprio nucleo familiare, ma anche anticipare bisogni più o meno essenziali nel proprio percorso di vita per ottenere sostenibilità, essere consapevoli e responsabili.
Una raccolta dati estesa in termini di volume e varietà richiede quindi applicativi specifici che diventano un imprescindibile compagno di lavoro per le seguenti finalità:
- raccogliere ed evidenziare le informazioni utili
- riconoscere modelli ricorrenti sulla base del consolidamento delle abitudini
- individuare eventuali ambiti di criticità da risolvere
Salvaguardare il rapporto di fiducia tutelando il consumatore
Un applicativo automatizzato che supporta le istituzioni finanziarie ed assicurative nell’importante sfida di tutelare l’utilizzo di queste informazioni e salvaguardare il rapporto di fiducia con i clienti deve disporre dei seguenti elementi:
- accesso unificato a tutti i tipi di dati
- analisi intelligente delle informazioni
- tempi di risposta veloci
- aggiornamento continuo
- suggerimenti intelligenti
La situazione di ogni cliente si evolve costantemente, pertanto sono necessari continui momenti di dialogo in cui le seguenti attività si ripetono anche in maniera non sequenziale:
- raccolta delle informazioni
- diagnosi
- consulenza
- controlli normativi
Lo svolgimento di queste attività è per questo motivo diventato più oneroso, dovendo recuperare le informazioni da più sistemi come CRM, email e note personali, con una maggiore dispersione di energia da parte dei consulenti, in un momento in cui il mercato richiede maggior concentrazione e generazione di valore aggiunto rispetto al passato.
Attraverso applicativi automatizzati di raccolta dati e aggregazione delle informazioni, sarà quindi possibile effettuare agevolmente la raccolta di tutte le informazioni necessarie, lo screening delle esigenze assicurative e l’approfondimento delle esigenze prioritarie del cliente, in maniera semplice ed integrata con i sistemi informativi delle istituzioni finanziarie ed assicurative.
A titolo di esempio, alcune funzioni relative alla raccolta dei dati del cliente e dell’intero nucleo familiare a supporto delle esigenze di pianificazione, dovrebbero raccogliere informazioni come le seguenti:
- capo famiglia
- coniuge o convivente
- persone da tutelare
- beni immobili, per i quali si consiglia la raccolta dei dati sugli immobili del cliente attraverso integrazioni con servizi specializzati
La salvaguardia di rapporti di fiducia con il consumatore e l’importanza di tutelarlo in un settore come quello assicurativo che opera principalmente come strumento di gestione e protezione dei rischi, è quindi fondamentale.
Nel prossimo approfondimento, parleremo delle funzioni di diagnosi messe a disposizione degli operatori per supportare le analisi di rischio attraverso strumenti di risk assessment assicurativo, inclusa la definizione dei rischi del nucleo familiare, del livello di protezione e del gap da coprire con strumenti assicurativi dedicati. Continuate a seguirci.
**RELATED POST**
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### Assicurazioni
[](https://www.objectway.com/assicurazioni/?lang=it)
**Categories:** #Idd, #Insurance, #Regtech, Blog, Insurance
---
### [Insurance Il P&P: una soluzione per la normativa IDD](https://objectway.com/il-pp-una-soluzione-per-la-normativa-idd/)
**Published:** May 12, 2020
**Author:** Silvia Boccuzzi
**Excerpt:** Ad ottobre 2018 è arrivata in Europa e quindi anche in Italia la Direttiva IDD. Obectway risponde a questa sfida con una soluzione semplice, intuitiva e che soprattutto consente al cliente di avere un quadro completo delle proprie esigenze assicurative: stiamo parlando del P&P Previdenza e Protezione.
**Content:**
###### MAY 12, 2020
# Il P&P: una soluzione per la normativa IDD
[Ivana Giampetruzzi](https://www.linkedin.com/in/ivana-giampetruzzi-977b9b155/)
Business Analyst
Insurance
[\#Insurance](/insurance-h)[\#Idd](/idd)[\#Regtech](/regtech/)
Ad ottobre 2018 è arrivata in Europa e quindi anche in Italia la Direttiva IDD, che prevede nuove regole per la distribuzione dei prodotti assicurativi,una sorta di Mifid II delle assicurazioni. Questo nuovo complesso di regole, comune per tutti i paesi europei, ha lo scopo di cambiare la prospettiva dell’industria assicurativa, ponendo al centro della logica di costruzione dei prodotti e di distribuzione degli stessi gli effettivi bisogni del Cliente.
Come risponde Objectway a questa nuova sfida? Con una soluzione semplice, intuitiva e che soprattutto consente al cliente di avere un quadro completo delle proprie esigenze assicurative: stiamo parlando del P&P Previdenza e Protezione, il nuovo servizio di consulenza caratterizzato da quattro macro fasi:
Raccolta delle informazioni
Il consulente ha la possibilità di raccogliere le informazioni del cliente, eventualmente del coniuge/convivente e del nucleo familiare attraverso un questionario di profilatura finalizzato all’identificazione delle esigenze previdenziale e assicurative.
Il questionario P&P ha una profondità di indagine più ampia, ma è coerente ed integrato con il questionario Demands and Needs (Direttiva IDD).
Screening esigenze assicurative
Il P&P determina le esigenze assicurative previdenziali o di protezione distinte per soggetto principale e coniuge/convivente fornendo una serie di misure che hanno come obiettivo quello di sensibilizzare la percezione del cliente alla necessità di tutelarsi
Nell’ambito previdenziale si fornisce una stima del “gap previdenziale”, ovvero della differenza tra il tenore di vita raggiunto al termine dell’attività lavorativa e le rendite disponibili derivanti dalla pensione pubblica ed integrativa, mentre nell’ambito della protezione si determina l’indice di rischio ovvero la misura qualitativa che rappresenta l’esposizione e l’importanza di tutela del rischio in oggetto, il gap di protezione che rappresenta l’eventuale integrazione necessaria in forma capitale da assicurare a fronte del danno economico conseguente al verificarsi del rischio e infine il livello di tutela che indica se il cliente per tale bisogno è tutelato/parzialmente tutelato/da tutelare.
Approfondimento delle esigenze assicurative
Il processo di previdenza e protezione permette eventualmente di modificare i risultati della prima analisi e procedere, attraverso le sezioni di approfondimento delle esigenze assicurative, ad un ricalcolo del gap in ottica di raffinamento.
Individuazione dei prodotti collocabili
Il consulente ha la possibilità di selezionare i bisogni di interesse esclusivamente del soggetto principale (in ottemperanza alla normativa IDD) e per ogni bisogno di protezione verificare l’idoneità dei prodotti abbinati attraverso i controlli di Target Market.
Il processo si conclude con il salvataggio e la stampa della proposta.
L’intero processo del P&P è stato pensato e realizzato sulla base di tre aspetti fondamentali:
Time to market: rispondere velocemente all’esigenza di gestire nuovi bisogni/prodotti, integrato con le nuove disposizioni previste dalla normativa IDD.
Flessibilità: adattarsi al grado di profondità di analisi richiesto dal cliente.
Scalabilità: inserire facilmente, nel processo di consulenza, nuovi bisogni, nuovi approfondimenti oltre a una personalizzazione del questionario
**RELATED POST**
Insurance
### Pronti al webinar Previdenza, Protezione, IDD: intervista a Alberto Cauzzi
[](/owintalk/pronti-al-webinar-previdenza-protezione-idd-intervista-a-alberto-cauzzi/)
Insurance
### IDD (Insurance Distribution Directive)
[](/owintalk/idd-insurance-distribution-directive/)
**Categories:** #Idd, #Insurance, #Regtech, Blog, Insurance
---
### [Insurance 2020: Anno Zero per il comparto assicurativo - La consulenza](https://objectway.com/2020-anno-zero-per-il-comparto-assicurativo-la-consulenza/)
**Published:** November 30, 2020
**Author:** Silvia Boccuzzi
**Excerpt:** Le evoluzioni normative emanate quest’estate dall’IVASS collocano il 2020 come anno zero per la definizione e costruzione di nuovi processi di relazione e vendita dei prodotti assicurativi.
**Content:**
###### NOVEMBER 30, 2020
# 2020: Anno Zero per il Comparto Assicurativo – La consulenza
[Nicola Pepè](https://www.linkedin.com/in/nicola-pepe-6569861/)
Senior Business Development Manager
Insurance
[\#Insurance](/owintalk/insurance-h)[\#Idd](/owintalk/idd)[\#Regtech](/owintalk/regtech)
Le evoluzioni normative emanate quest’estate dall’IVASS collocano il 2020 come anno zero per la definizione e costruzione di nuovi processi di relazione e vendita dei prodotti assicurativi tra i distributori, gli intermediari e i loro clienti.
Sono numerose le riflessioni che diversi addetti al settore, noi compresi, stanno esprimendo in questi mesi.
In particolare mi riferisco a due comma normativi “… *I distributori sono tenuti a proporre* contratti coerenti con le richieste ed esigenze di copertura assicurativa e previdenziale *del contraente o dell’assicurato…”* e *“… I distributori chiedono notizie sulle caratteristiche personali e sulle esigenze assicurative o previdenziali del contraente o dell’assicurato, che includono, ove pertinenti, specifici riferimenti all’età, allo stato di salute, all’attività lavorativa, al nucleo familiare, alla situazione finanziaria ed assicurativa…”* che devono essere fonte di particolare attenzione durante l’acquisizione delle informazioni per l’analisi oggettiva dei bisogni del cliente e richiedono accortezza nella fase di costruzione della relazione.
Come si dovranno intermediare le polizze nel 2021?
Una prima conseguenza che deriva dalle nuove normative è la necessità per distributori e intermediari di dotarsi di piattaforme per la gestione di processi automatizzati in grado di raccogliere, analizzare, elaborare in maniera personalizzata le informazioni dei clienti e conservarle nel tempo. Gli operatori, che in molti casi vedono questa fase come un punto di rottura e di caduta durante il dialogo perché ritengono tali attività di minor valore, ne beneficerebbero invece come momento di creazione di valore.
In secondo luogo, queste piattaforme devono essere in grado di produrre una adeguata, articolata e personalizzata risposta in termini di prodotti assicurativi presenti nel catalogo commerciale di offerta della singola istituzione – in base alle caratteristiche familiari, finanziarie, patrimoniali e assicurative del potenziale assicurato e alle sue esigenze in termini di gap e coperture – con la predisposizione di tutta la documentazione precontrattuale e contrattuale utile a comunicare l’analisi oggettiva dei bisogni e l’offerta a copertura degli stessi.
Questi temi sono stati affrontati anche nel recente evento “Festival delle Assicurazioni 2020” organizzato da Class Agorà, in cui il nostro partner Epheso, nella persona dell’Amministratore Delegato Dott. Alberto Cauzzi, ha parlato degli impatti normativi derivanti dall’applicazione del Regolamento IVASS 45/2020 e del Provvedimento 97/2020.
Nei prossimi post parleremo più nel dettaglio dei servizi che “Life & Pension Insurance Advisory” mette a disposizione per soddisfare le esigenze degli operatori, anche nell’attuale contesto caratterizzato dalla necessità di distanziamento sociale, e della compliance della soluzione rispetto al quadro normativo: continuate a seguirci!
**RELATED POST**
Insurance
### Pronti al webinar Previdenza, Protezione, IDD: intervista a Alberto Cauzzi
[](/owintalk/pronti-al-webinar-previdenza-protezione-idd-intervista-a-alberto-cauzzi/)
Objectway
### Assicurazioni
[](https://www.objectway.com/assicurazioni/?lang=it)
**Categories:** #Idd, #Insurance, #Regtech, Blog, Insurance
---
### [Embracing a Digital Mindset for Innovation and Growth](https://objectway.com/a-new-digital-mindset-in-the-private-wealth-industry/)
**Published:** May 16, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** How to leverage the best of innovation to achieve sustainable growth for your institution.
**Content:**
[  ](/owintalk/innovation/)
###### MAY 16, 2023
# Embracing a Digital Mindset for Innovation and Growth
[Alexander Cassar](https://www.linkedin.com/in/sandrocassar/)
Objectway Chief Business Operation Officer
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Sustainableinnovation](/sustainable-innovation/)[\#Digitalchange](/digitalchange/)[\#ClientCommunication](/clientcommunication/)[\#Artificialintelligence](/artificial-intelligence/)
Objectway recently participated in the Third Annual WealthTech Forum in Dubai, where I had the opportunity to give a keynote speech and also head an insightful panel discussion around the topic of ‘Digital Mindset in the Private Wealth industry’.
A keynote on the Changing Landscape of Private Wealth
World economies are experiencing a turmoil, some call a ‘crisis’ or are at the brink of a financial crisis, facing a recession linked to galloping inflation; financial markets have been volatile, to say the least, ever since the start of the COVID pandemic; and by today rollercoaster stock prices have become the ‘new normal’ all happening under inflationary pressures, rising interest rates and recessions, driven by antagonistic politics and tensions (including wars). In this context, the world of Private Wealth is changing, from the redefinition of Wealth (its parallel concentration and democratisation) to the unprecedented inter-generational transfer of trillions of funds to an entirely different younger population. The centre of the debate is that exponential development of technologies brings its own challenges, often exacerbating the above effects, as it helps to counter them. Here is a summary of the key talking points from the panel discussion that followed the keynote speech.
What options have financial institutions to survive this period and continue to grow and thrive?
I stated that there are not many options available to wealth managers and private bankers. The panel agreed that cost-cutting has been tried and done, will always continue but is evolutionary, not revolutionary. Restructuring and ‘inorganic’ growth by M&A is also an old tool in the strategy box but has worked better in ‘normal’ times with declining returns in the current climate. The one choice that continues to deliver sustainable and growing value is Innovation: the combination of vision and actions to see opportunities and convert them into improved outcomes for stakeholders. Innovation, however, does not occur in a vacuum: it requires a collective mindset which works through open dialogue to utilise cross-functional capabilities. Because innovation is often fuelled by abundance of information and advances in technology, I encouraged the panel to speak about Digital Mindset.
What is a Digital Mindset?
I talked about ‘collective mindset’ and encouraged the panel to drill down into the matter to explore more meanings of ‘digital’ and of ‘mindset’. The panel discussed the bearers of the mindset: is it collective (organisation mindset), or that of participating individuals? Or is it only internal for the company or also involves external stakeholders like partners, suppliers and not least the customers? The panel also touched on the perspective of ‘following versus leading’ and concluded that there is a ‘best practice’ mindset to adopt by following the customers’ mindset. Here, adopting a mindset shaped along best-practice models (e.g., studying market leaders and borrowing critical features) increases the likelihood of getting it right. And customer-centric organisations always follow their customers’ attitudes, behaviours and underlying needs. This is also true about innovation. I said that there is a popular parable in business schools and books that Apple’s customers never asked for a phone with a touchscreen and without buttons, but Steve Jobs gave them one nonetheless, and the rest is history.
Instilling a strong ‘learning to learn’ mindset
Legendary management guru Peter Drucker once famously said that “Culture eats strategy for breakfast”, meaning that correct and clever strategies would easily fail without the support of the right organisation culture. The panel transposed ‘culture’ for ‘mindset’ and expressed their views on the importance of a learning culture to support an innovation strategy; the shaping of a learning mindset, the steps and processes in evolving it. Learning to learn is a journey, not a destination and the road is winding and often rough. The learning journey is only fruitful if the company and its people embrace failure as an acceptable outcome and that establishing OKRs will help to recognise incremental improvements.
Leading organisations into the age of data, algorithms and AI
On this particular talking point, innovation is equally valid for ‘businesses and ‘technology’ innovation. In my opinion, it is more about business, as this is where customer value and shareholder value are expected to be created. The panel agreed that wealth managers and private bankers cannot underestimate technology as a major driver of business innovation, where technical innovation in itself creates business opportunities or helps to materialise them. This brought the panel to discuss the quintessential subject of Data, data science and algorithms. The Digital Mindset in itself is data centric, as it supports the creation and maintenance of a data fabric that can be exploited algorithmically and through AI modelling. The panel here shared their thoughts on Data Management and Data Governance and the practices of organisation design and processes related to data harmonization, labelling and classification aimed at exploiting effectively new cognitive services.
Upon concluding the panel, my key takeaway was that companies must recognize in their ‘Learning to Learn’ journey the criticality of data management and of processes related to data harmonization, labelling and classification to give private wealth firms have any chance of extracting business benefits from technology innovation. Also, when one brings together the digital mindset with the right learning environment, the result is a steady progression in data exploiting from Business Intelligence/Management Information reporting to intelligent automation to machine learning predictions.
**RELATED POST**
Market Trends
### How to leverage the best of innovation to achieve sustainable growth for your institution
[](/how-to-leverage-innovation-to-achieve-sustainable-growth-for-your-business/)
Market Trends
### Innovation in Wealth Management: a cure for Troubled Times
[](/innovation-in-wealth-management-and-technology-as-business-innovation-enabler/)
Digital Transformation
### Unlocking the future potential from WealthTech
[](/unlocking-the-future-potential-from-wealthtech/)
**Categories:** #ArtificialIntelligence, #ClientCommunication, #DigitalChange, #Sustainableinnovation, Blog, Innovation
---
### [From Venice to the World at OWIN23: Insights on Sustainable Innovation](https://objectway.com/from-venice-to-a-universal-future-insights-on-sustainable-innovation-long-term-growth/)
**Published:** May 24, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Sustainable Innovation for growth and scale. Innovation, the driving force behind adaptability and long-term sustainability, plays a pivotal role in this transformative journey.
**Content:**
[  ](/owintalk/innovation/)
###### MAY 24, 2023
# From Venice to the World at OWIN23: Insights on Sustainable Innovation
[Objectway](https://www.linkedin.com/company/objectway/mycompany/verification/)
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Sustainability](/owintalk/sustainability/)[\#Innovation](/owintalk/innovation/)[\#CustomerExperience](/owintalk/customerexperience/)[\#OWIN23](/owintalk/owin23/)
It’s been a month since the OWIN23 Customer Conference what a thrilling ride it was! The impact of its contents, the shared insights, and the lessons learned are far from fleeting, but continue to resonate strongly. We hope you’ve kept the conversation on [Sustainable Innovation](/looking-into-the-eyes-of-sustainable-innovation/) alive because we certainly have.
In case you missed it, we would like to take this opportunity to provide you with a glimpse into the why and what of OWIN23 and take you on a journey into the world of sustainable innovation.
Sustainable Innovation for Growth and Scale, by Luigi Marciano, Founder and CEO
*Imagine a world where sustainability is not just a buzzword, but a fundamental aspect of every growth path. Picture a future where individuals, regardless of their location, age, or cultural background, have the power to invest in their own future, and create benefits for society as a whole. This is what sustainability means at its core: resilience, development and democratisation of growth. It is about empowering people, breaking down barriers, and enabling everyone to access and actively participate in the wealth scenario.*
– [Luigi Marciano](https://www.linkedin.com/in/luigi-marciano-66b9538/)
Innovation, the driving force behind adaptability and long-term sustainability, plays a pivotal role in this transformative journey. Throughout history, humanity has relied on innovation to navigate change and embrace progress and today, in an era of unprecedented speed, the need for sustainable innovation is more critical than ever before; innovation cycles are unprecedently faster, and this continuous evolution is challenging sustainability daily. Sustainable Innovation is therefore the remarkable fusion of these two forces and the very key to achieve long-term growth. It is part of the vision and mission of all of us in this industry to support our customers.
To grasp the multifaceted nature of innovation, let’s envision it as a radiant diamond, where each facet represents a unique aspect of the innovation process. In our business, these facets take on distinct forms: the first facet represents the unwavering commitment to enhancing the client experience, which leads to increased wealth and assets; the second facet speaks for the constant evolution of the offering, ensuring it remains highly personalised and tailored to clients’ needs; finally, the third facet portrays the dedication to reconfiguring the business model, extracting maximum value and delivering impactful outcomes. But for these facets to shine brilliantly and endure, they require a bedrock of sustainability and for innovation to happen they need to be combined into one process.
*Sustainable innovation is like a raw diamond. It has a great potential value, but to extract its full value you must treat it properly, cut it properly and shape it properly, always keeping in mind sustainability. That’s when I thought about the Innovation Diamond.*
– [Luigi Marciano](https://www.linkedin.com/in/luigi-marciano-66b9538/)
Indeed, [Objectway Innovation Diamond Framework](https://www.objectway.com/objectway-growth-platform-for-wealth-asset-management/) is meticulously crafted to encompass these three vital perspectives: Client Experience, Offering Evolution and Business Reconfiguration and a fourth, equally important perspective that underpins them all: Sustainability. This is what ties our vision to reality, paving the way for successful innovation.
But why Venice? “Well” said our CEO, “we tried to ensure that sustainable innovation permeates every aspect of our event, starting from the location.”
*In Venice the past, present and future perfectly live together thanks to innovation. In Venice, innovation is a constant, we see it at work, evolving to face a challenging future.*
– [Luigi Marciano](https://www.linkedin.com/in/luigi-marciano-66b9538/)
VENICE, THE OLDEST CITY OF THE FUTURE, by Carlo Bagnoli Full Professor of Strategy Innovation at Ca Foscari University and founder of Venisia
Venice stands as a compelling global symbol of the urgent need for sustainable innovation, being one of the cities suffering most from environmental unsustainability and increasingly facing vital sustainable development challenges: drowning, over-tourism and depopulation. Just recently, Venice witnessed huge, record-breaking floods and Acqua Granda in November 2019 is probably the most impressive example of the global emergency we are dealing with. Other extraordinary cities share similar environmental and social problems and Sustainable Development Goals (SDGs) are now an urgent call to action for people, countries and companies.
*I’ve committed to contribute to halt the decline of Venice and decided to found an accelerator: VENISIA – Venice Sustainability Innovation Accelerator with the ambition and vision to make Venice the oldest city of the future.*
– [Carlo Bagnoli](https://www.linkedin.com/in/carlo-bagnoli-9b18a3193/)
Venice’s diverse urban and cultural fabric, its uniqueness and dynamism, naturally positions it as a pioneer in sustainable living, creating a fertile ground for a new dialogue between liberal arts and science, humanities and technology, biology and engineering, tradition and innovation. By combining these dilemmas, Venice has the potential to serve as a global exemplar of sustainability innovation, aspiring to become the world’s first 100% sustainable city.
*Thanks to both the city’s small size and the enormous sustainable development challenges it faces, Venice is the perfect living lab to generate, develop and test radical new Deep Tech solutions and business models devoted to harmonizing social, environmental and economic sustainability and to solve global sustainability challenges.*
– [Carlo Bagnoli](https://www.linkedin.com/in/carlo-bagnoli-9b18a3193/)
Switching from a “think-global-act-local” vision to a “think-local-act-global” one, by exploring local solutions within Venice, we can unlock innovative approaches that have the potential to address global challenges on a broader scale. The scalability of these solutions holds immense promise, as it allows for financial returns on investments, which in turn becomes a crucial enabler for advancing the Sustainable Development Goals (SDGs), thus generating an ongoing virtuous circle of progress.
*Thanks to its history, Venice is the perfect place to imagine new meanings and messages. In this sense, Venice’s tradition could turn into worldwide innovation.*
– [Carlo Bagnoli](https://www.linkedin.com/in/carlo-bagnoli-9b18a3193/)
Since its origins, Venice has been coping with its fragile environment and thus became a universal example of resilience and adaptation. Today Venice is in danger, and the global duty is to guarantee its future.
*VeniSIA’s motto is: “Back to unique origins, into a universal future.*
– [Carlo Bagnoli](https://www.linkedin.com/in/carlo-bagnoli-9b18a3193/)
**RELATED POST**
Podcast OWIN23
### Objectway sustainable vision of the future
[](/podcast-owin23-objectway-sustainable-vision-of-the-future/)
About Objectway
### OWIN23: Unleashing Sustainable Innovation, Collaboration, and Client-Centricity
[](/unleashing-sustainable-innovation-collaboration-and-client-centricity-at-owin23/)
Market Trends
### Sustainable Innovation at Scale: The New Paradigm
[](/sustainable-innovation-at-scale-for-driving-business-growth/)
**Categories:** #Sustainability, Blog, Innovation
---
### [Innovation in Wealth Management: a cure for Troubled Times](https://objectway.com/innovation-in-wealth-management-and-technology-as-business-innovation-enabler/)
**Published:** February 28, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Innovation is, indeed, easier in a good economic climate – with sufficient resources, including development budgets, and more freedom for strategic thinking.
**Content:**
[  ](/owintalk/innovation/)
###### FEB 28, 2023
# Innovation in Wealth Management: a cure for Troubled Times
[Alexander Cassar](https://www.linkedin.com/in/sandrocassar/)
Objectway Chief Business Operation Officer
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#SustainableInnovation](/sustainable-innovation/)[\#Onboarding](/onboarding/)[\#ClientCommunication](/clientcommunication/)[\#PortfolioOptimisation](/portfolio-optimisation/)[\#Automation](/automation/)
A Q&A session with Dr. Alexander Cassar, Chief Business Operation Officer at Objectway.
Why in troubled times? Isn’t innovation more productive and flourishing in good economic climate (while survival is a priority in crisis)?
Innovation is, indeed, easier in a good economic climate – with sufficient resources, including development budgets, and more freedom for strategic thinking. This is valid across industries, not just in WM, but ironically doesn’t always work as expected. With less pressure comes complacency, and with businesses doing well there is a reluctance to change, there is no urgency. As a result the average pace of innovation slows down – relatively, but enough to be considered a missed opportunity.
Downturns and recessions (not to mention more complex crisis periods with political and social aspects) often encourage bold, drastic actions – as ‘no change’ for most businesses means decline, and for some – even extinction. The ‘burning platform’ metaphor is a good example for the imperative to change and change radically.
Wealth management, in particular, is more prone to ‘change allergy’ and complacency, due to comfortable profitability in good times and inorganic opportunities to grow assets under management (though not necessarily a scaled profitability increases with AUM growth). Tough periods polarise decision makers’ behaviour: the cautious majority tend to stick to the status quo in survival mode, but a progressive minority grasp the need for change and boost innovation thus driving forward the entire sector.
How about disruptive innovation and ‘challenger’ players that recently flooded the fintech arena?
In the past several years we saw countless fintech startups, some becoming household names, but the disruption, ironically does not come from the ‘tech’ in fintech (most use widely known technology stacks and methods). They try to challenge (often disruptively) the incumbent financial institutions, by obtaining regulated status of financial service providers, from simple payment processing and online low-fee brokerage, to full “digital banks”. Some successfully challenge the traditional players with efficiency and customer experience, but – as in every boom (some already call it ‘bubble’) failures outnumber successes and recent news brings more ‘another one bites the dust’ headlines.
Traditional institutions take notice and respond proactively: some with rapidly building their own in-house digital capabilities and offerings, others practicing the cunning “If you can’t beat them… buy them!” approach and acquiring successful digital challengers to bring them under their branded roof.
Wealth management is, again, somewhat different from the rest of the industry.o Cynics would say that, being conservative, they are always slow to adopt trends and lagging behind. The reality is, however, that in the early days of ‘challenger’ fintechs the mushrooming ‘roboadvisors’ were not a threat to traditional players. They were quite primitive in their model and offerings, mass-consumer oriented, and were nowhere near the sophistication and personal touch of experienced wealth advisors and investment managers. This should be no reason for complacency, though, as things are changing: both fintechs are becoming more advanced, and traditional clients – more demanding for digital services, especially with the generational wealth transfer).
We are closely monitoring the fintech – and wealthtech – space, and there is a marked trend of targeting upper, more affluent, consumer segments with increasingly sophisticated products and services. There is even already a handful of digital private banks showing up. Incumbent players can only rest on their laurels at their own peril.
What kinds of innovation might be best for the current state of the Wealth Management industry?
In my view there are two distinct dimensions:
- Innovation culture and history, and
- Technology vs business innovation
In the first one, companies who have missed previous opportunities and remained unchanged for a long time, must now urgently catch up. They are on the proverbial ‘burning platform’ and have the courage to jump into the cold stormy waters, or else vanish in the flames and smoke of the crisis. In practical terms this means to end procrastination about long-overdue replat forming, and adopt modern technologies as an urgent priority. Many have been ‘thinking about it’, examining possibilities and even evaluating solutions – but made no decisions. Their last chance is NOW.
Technology, however, is not the only way to innovate – and in my personal opinion, not the main one. Business innovation has much more potential and generates the real value and growth. For so many years the WM industry has kept offering the same products, addressing the same asset classes, in the same formats and packaged services. The world is changing – and changing very fast in front of our eyes. The ESG ‘movement’ of recent years is an example, and it’s not going anywhere, here to stay and grow. But there is more to business innovation: addressing the changing meaning of ‘wealth’, the changing HNWI demographics (where are your NextGen products and offerings?), addressing the unstoppable volatility of financial markets or diminishing returns from traditional asset classes… The possibilities are endless, it takes insight-driven imagination and the courage to try new things.
Here I must return to the Technology dimension, in case someone thought it’s not important: it is indispensable as an enabler of the business innovation! You might have a great idea about a new product, but your ageing mainframe systems just can’t handle it – just like the dinosaurs couldn’t handle climate change or falling comets. Only with up-to-date technology can a WM business plan, test and implement new concepts and offerings.
Furthermore, some of the best technology innovations prompt and enable business innovations that were simply not possible before: think AI, distributed ledgers (blockchain), or VR (virtual reality). What those technologies bring to the table was simply impossible before their arrival.
And, last but not least, technology enables better client engagement – acknowledged as the last frontier and competitive advantage. Hyper personalised experiences, delivered over an optimal mix of touchpoints (‘optichannel’ as we like to call it), including hybrid advice with the benefits of both highly automated self-service and unparalleled interactivity of human interaction – technology brings client engagement to a new level and our company has made it central in our own innovation drive.
**RELATED POST**
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### Challenges & Trends in Wealth Management in 2023 and Beyond
[](/challenges-and-trends-in-wealth-management-in-2023-latest-from-ceo-pam-dinner/)
Digital Transformation
### Technology-enabled digital change to future-proof your business
[](/technology-enabled-digital-change-to-future-proof-your-business/)
**Categories:** #Automation, #ClientCommunication, #Onboarding, #PortfolioOptimisation, #Sustainableinnovation, Blog, Innovation
---
### [Sustainable Innovation at Scale: The New Paradigm](https://objectway.com/sustainable-innovation-at-scale-for-driving-business-growth/)
**Published:** April 6, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** When a business is looking to innovate to improve or reconfigure any part of its operation, aligning to scale and sustainability will always pay dividends
**Content:**
[  ](/owintalk/innovation/)
###### APR 06, 2023
# Sustainable Innovation at Scale: The New Paradigm
[Roger Portnoy](https://www.linkedin.com/in/roger-portnoy-a16b67/)
Strategic Advisor
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Sustainability](/owintalk/sustainability/)[\#Innovation](/owintalk/innovation/)[\#Scalability](/owintalk/scalability/)[\#ClientExperience](/owintalk/clientexperience/)[\#Technology](/owintalk/technology/)
Sustainable innovation at scale. This is something we see as a framework for future success. It is something that works both as a concept and also as a tangible framework to use in practice. In simple terms, when a business is looking to innovate to improve or reconfigure any part of its operation, aligning to scale and sustainability will always pay dividends.
None of this is new, per se. Sustainability was first given a framework in the UN’s Sustainable Development Goals in 2001. Then, it set out its goals and objectives. Meanwhile, the concept of scalability is generically accepted as a pathway to success through growth. And innovation is, of course, key to moving a business forward. In combination, [innovation, sustainability, and scalability](/podcast-owin23-objectway-sustainable-vision-of-the-future/) are powerful. The idea is that everything a firm does to innovate and scale should be done with sustainability at its heart.
We think that within wealth management and WealthTech, there are three obvious elements: the client experience, the investments, and the technology as an efficiency play.
Client experience
Looking at client experience, this concept becomes real via constant evolution, a series of steps that work to improve the overall experience. It is a process that involves different parts of the whole and evolves along with the changing demand from clients and technological possibilities.
The overall aim is to align with the values and situations of the client – which are also perpetually changing depending on where they are in their particular lifecycle. So, this is not a static task with clear boundaries. But it is, however, something that will benefit from an innovative approach. Then scale will enable lower cost to serve and thus help the firm, leading to success. The final piece of the puzzle is embedding sustainability in the approach and in all the various iterations of the client experience project, no matter what that entails. Thus, the concept is to provide a framework where the wealth manager can innovate, scale, and add sustainability to the core of an evolving process.
Investment process
With the investment proposition, we can look to holistic planning and advice-led solutions; all now need a sustainable overlay as standard. When we look at the actual solutions, for example, socially responsible investment (SRI), and environmental social, and governance measures (ESG) are now very well understood. There has been regulatory enforcement regarding measuring and reporting a series of metrics and subsectors. Indeed, aligning data to a client’s end needs and wants has been much more fully explored in the recent past, and the range of investor end points, i.e., no sin, impact, etc., have also been formalised.
Within investing there is also a rethink in terms of how to define a sustainable portfolio; it is no longer a ‘shades of green scenario’, and now we would look to companies that have a diversified workforce, those that manufacture solar panels, those that efficiently recycle water, etc. The theme is generic sustainability rather than investing on a sectoral basis.
Thus, the innovation has been to provide the topography, thus providing the ability to analyse investments at scale, and with a remit to always include sustainability. We think this will see further focus as younger generations demand a more thorough approach and one that wealth managers will, accordingly, have to be robust and thorough about when it comes to reporting.
Technology
Holding the client experience and the investment piece together is the technology. This is obviously a key component in service delivery with digitisation at its heart.
Wealth managers will need to hold their appeal not just with the primary account holder but also need to have a business that is appealing to younger generations and the broader family. It’s about thinking beyond today’s wealthy and instead being forward-looking and thinking to meet future needs and preferences. There’s a whole technology-enabled service delivery piece around that and how to configure a business so that it holds appeal for the generations that will follow.
For example, for Gen Z, the theory was that they would be self-service. But that has not really been borne out by the reality – they still want the personal and the human touch. Another issue is that they are still in the wealth accumulation stage and unwilling to pay 1- 1.5% of their assets in service fees. So, the need is to innovate on the technology as it relates to service delivery as well as the way that the service is structured and, in doing so, bring down the cost to serve.
Technology is at the very heart of this. Its use can reduce the administrative, distribution, and research burden and thus the service model becomes more efficient and more sustainable too. In this way, technology boosts and scales the capabilities of the business – by leveraging the Cloud and linking to other third parties with expertise over APIs.
And within the back-office environment, technology is also key in creating automation and efficiency – that frees up time and resources. In this way, firms can use efficiency as the platform for scale. To that end, adding aggregation capabilities are particularly popular at the moment. They are an obvious scale play that combines all the disparate parts or components. The sustainability play lies in the fact that there is then less resource waste in doing things manually.
This is a great case of innovation bringing about greater scale and sustainability. An economy of scale reduces cost to serve and has a positive environmental impact.
In conclusion, framing things in this way, we think, creates a paradigm shift in how we all think about progressing our businesses. Continuous innovation has to lead to scale and has to have sustainability embedded in its ethos. Innovation stays relevant and supports scale because you get a new capability to scale.
This and much more will be further investigated in Objectway’s upcoming Customer Conference OWIN23, from leading voices in sustainable innovation and financial services, industry leaders and experts and our very own Objectway people, each bringing their unique insights and experiences on stage.
There is a lot to look forward to, but we personally look forward to welcoming you all in Venice!
**RELATED POST**
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### Trends and key themes in sustainable innovation in wealth
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### Objectway International Customer Conference 2023: Ready, Steady, Go!
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**Categories:** #ClientExperience, #Scalability, #Sustainability, Blog, Innovation
---
### [How to leverage the best of innovation to achieve sustainable growth for your institution](https://objectway.com/how-to-leverage-innovation-to-achieve-sustainable-growth-for-your-business/)
**Published:** May 5, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** The asset and wealth management industry are experiencing a major historic shift: from traditional to modern, from conservative to dynamic and from product- and institution-centric to customer-centric.
**Content:**
[  ](/owintalk/innovation/)
###### MAY 05, 2023
# How to leverage the best of innovation to achieve sustainable growth for your institution
[Alexander Cassar](https://www.linkedin.com/in/sandrocassar/)
Objectway Chief Business Operation Officer
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Sustainability](/owintalk/sustainability/)[\#Innovation](/owintalk/innovation/)[\#Scalability](/owintalk/scalability/)[\#CustomerExperience](/owintalk/customerexperience/)[\#Technology](/owintalk/technology/)
Objectway partnered with L’Agefi for the 8th Edition of the Private Management Forum in Paris, dedicated to formers and future private bankers with the main goal to extend their practice, offering a more agile, personalised and sustainable approach.
Innovation & Technology, hand in hand
The asset and wealth management industry are experiencing a major historic shift: from traditional to modern, from conservative to dynamic and from product- and institution-centric to customer-centric. This is happening under the influence of market changes, demographic shifts to next-generation wealth, regulatory pressures, disruptive competitors and, not least – immense and continuing technology innovation.
It would be a cliché to say that innovation is all about change itself, or the wealth managers’ response to new conditions – but this is, indeed, the essence of what often drives and shapes a program of this nature. There are multiple, equally important dimensions and types of innovation, like business model innovation, process innovation, product and service innovation, organisational design, operating model innovation, and more. Each of those has touchpoints and dependencies with the others but addresses specific challenges and opportunities.
Technology often has a dynamic and special place in this complex puzzle of innovations, as a key enabler and facilitator of many innovation areas and serving as their integrating ‘glue’ for broader transformation.
Defining Sustainable Growth within the Wealth and Asset Management sector
The financial sector, unlike manufacturing, energy, agriculture, or transport, does not directly create sustainable growth. It is correct to say that it supports, empowers, stimulates, and facilitates all other sectors through capital allocation.
Within Financial Services, asset and wealth management play a special contributing role because of their investment management capabilities and ability to distribute and manage capital for long-term objectives. Specifically, and impactfully in terms of sustainable growth, the mechanisms of consistent capital and governance support of sustainable industries and companies through investment strategies that identify and target them gives way to relevant financial products for institutional and private clients that are not solely judged by their monetary returns, but specifically on how they will deliver environmental and social benefits.
Innovations through investment are best developed and deployed to drive and accelerate the ‘field’ innovations in sectors where actual sustainable growth is created. For instance, supporting and encouraging investment in energy efficiency or renewables companies can demonstrate real and clear environmental benefits, along with long-term returns for the investing client. There is huge scope in the allocation process for the use of rich data and advanced intelligence that can simulate benefits and measure real outcomes. There is also scope for enhanced client engagement processes and tools to respond to report these to clients who seek confirmation of aligning values and interest from their wealth partners.
As a leading provider of wealth- and asset management solutions, Objectway has extensive experience with hundreds of client institutions in many client segments and geographies, resulting in deep awareness of their goals and needs, as well as the most prevalent market trends. This network shapes new functionalities and features of our products. [Core Portfolio Management solution](https://www.objectway.com/objectway-growth-platform-for-wealth-asset-management/), for instance, has always been very strong in risk analysis and modelling – now we see risk inseparable form ESG criteria and integrate them into our modelling and optimisation functionality. Today we speak of ‘Risk-aware and ESG-aligned portfolio optimisation’ and it is proving to add value and be in demand by client institutions.
In this process it is unthinkable to build and maintain any portfolio without keen and deep customer insight. It is therefore essential to leverage customer engagement tools that interactively capture important information for customer profiling including their sustainability preferences and requirements. Portfolios process attributes to bring these choices to life in rich reporting and analytics.
These capabilities are deployed to encourage customer bi-lateral interactions, and conversations. This is achieved within a strong governance framework that emphasizes transparency, fairness, and individuality. This allows our clients to genuinely demonstrate to clients all the sustainability aspects of their portfolios’ performance. Through ratings and scores, ESG exposure and momentum analysis, and drill-down availability of detailed data, we help clients manage investment behaviours towards achieving their own sustainability objectives.
Driving Successful Innovation
Innovation can be a complex subject yes, especially for large-scale players who have seen a wave of different innovations and technologies, but transition can be seamless. Business transformation has a strong cultural dimension and is only fully realized as a cross-functional, enterprise-wide undertaking and not simply an IT or Operations exercise. Everyone owns a part of the change management process, has a role to contribute to it. Only with such shared ownership and consensus about the innovation goals and outcome expectations, can one overcome blockages and achieve a transition. There will be bumps on the road and inevitable challenges – but those are overcome successfully when the effort is aligned and company-wide.
At the end of the day, in the rapidly changing environment, asset and wealth management are playing a catch-up game, having previously been conservative and reluctant to innovate. Of all innovation trends and dimensions, sustainability has a high priority in the short and medium term. Sustainable innovation can be more successful in the areas of risk-aware and ESG aligned portfolio management, and hybrid, hyper-personalised customer engagement. Whatever an organisation’s priority, successful strategic innovations require coordinated enterprise-wide approach and mutually agreed outcome expectations among all stakeholders.
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[](/innovation-in-wealth-management-and-technology-as-business-innovation-enabler/)
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### Building stronger relationships: the value of customer conferences for business development
[](/building-stronger-relationships-the-value-of-customer-conferences-for-business-development/)
**Categories:** #Scalability, #Sustainability, Blog, Innovation
---
### [Performance & Risk ESG: Still framing the Global Business narrative](https://objectway.com/still-framing-the-global-business-narrative/)
**Published:** September 28, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway, featuring The Wealth Mosaic The Rise of ESG in Wealth Management report investigates how ESG is at the centre of today’s risk management approach.
**Content:**
###### OCTOBER 01, 2021
# ESG: Still framing the Global Business narrative
[Gert-Jan Hoogendoorn](https://www.linkedin.com/in/gertjanhoogendoorn/)
Client Solution Director
Performance & Risk
[\#Esg](/owintalk/esg)[\#Sustainability](/owintalk/sustainability)
Many financial institutions have been dealing with sustainability for a long time now.
Objectway, featuring The Wealth Mosaic [The Rise of ESG in Wealth Management](https://www.objectway.com/download-wealthtech-views-report-the-rise-of-esg-in-wealth-management/) report investigates how ESG has gone well beyond the wealth management industry’s agenda, currently being at the centre of today’s risk management approach and gradually shaping the future of tomorrow’s investing perspective.
Previously on ESG
In the past, the most common way to incorporate sustainability has been via the inclusion of an indicator at the financial instrument level. As of 2021, this has been replaced with an instrument characteristic: “Intended Compatible With Clients Having sustainability preferences” where next to ESG, additional and more general sustainability objectives could be captured.
From this initial foundation, what is now needed is a deeper and broader notion of sustainability, and this is where ESG scores and ratings come into play. With this, ESG information is issued and harvested from companies on a recurring basis; large ESG data sets can be obtained from commercial data providers. However, we see several pitfalls in this approach.
First of all, the companies choose what they disclose. This naturally creates conflict, as no company is willing to have a bad score.
Secondly, the information provided by companies is used by data providers in their proprietary ESG scoring, and rating frameworks, which means comparing results from different providers is extremely difficult.
Thirdly, the information is somewhat outdated, as company reports are issued yearly. As sustainability goals and objectives have tight timelines, the lag in frequently updated information hinders the process.
To overcome this pitfall, new players in the News and Social domain are launching near-time ESG insights. Social information is quick but can be biased, and therefore the trust levels on information via social channels can be low. The way to overcome these pitfalls is through regulation and reporting standards, which is never a quick route. Still, as investment management is largely built around trust, it is the only way to keep faith in ESG initiatives.
Extra indicators from 2022
Besides these pitfalls, the next evolution in this domain is the inclusion of ESG and Sustainability impact information in European MiFID Template (EMT) 4.0. Fifty quantitative disclosures will be added, which include a core set of mandatory indicators and additional environmental/social factors to assist in identifying other impacts. Indicator examples are:
- Carbon footprint
- Natural species and protected areas
- Energy consumption intensity
- Deforestation
- Insufficient whistleblower protectio
These changes will broaden the scope of client preferences within the investment decision process. Not by accident, this nicely falls together with the trend of hyper-personalisation.
Next Steps
Banks and other financial institutions will have to assess how to efficiently start using or extend the usage of sustainability information. To begin with organisations, the following steps should be considered:
- Make policy decisions that shape a compliant framework around SDFR, including the level the firm wants to offer sustainability to its clients.
- Assess which products are in scope for articles 8 & 9 of the EU Sustainable Finance Disclosures Regulation.
- Determine the data needs and providers available to fulfil the needs.
- Organise internal processes and responsibilities required to meet the disclosure requirements.
- Select the right software package to implement the policy & data, including sustainability impact assessment for portfolio and reporting requirements.
With sustainable investment portfolios, operations, strategies and culture growing around the world, the imperative of ESG improvement is clear. It’s up to organisations to utilise the new tools available to them, to create value, to build future resilience, to drive changes that will benefit their business, their investors and the planet.
**RELATED POST**
### The rise of ESG in wealth management
[](https://www.objectway.com/download-wealthtech-views-report-the-rise-of-esg-in-wealth-management/)
**Categories:** #Esg, #Sustainability, Blog, Performance & Risk
---
### [Performance & Risk ESG: Sustainability Preferences, Risk and Factors](https://objectway.com/esg-sustainability-preferences-risk-and-factors/)
**Published:** January 13, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway, featuring The Wealth Mosaic The Rise of ESG in Wealth Management report investigates how ESG is at the centre of today’s risk management approach.
**Content:**
###### JAN 13, 2022
# ESG: Sustainability Preferences, Risk and Factors
[Michele Pennacchio](https://www.linkedin.com/in/michele-pennacchio-60612298/)
Senior Business Consultant
Performance & Risk
[\#Esg](/owintalk/esg)[\#Sustainability](/owintalk/sustainability)
In our first article about sustainable investments, we gave an introduction to ESG and highlighted the main points of interest, as well as the technological solutions to be adopted for its management.
We indicated that ESG criteria are used primarily to obtain a differentiated view of a company, which allows the Portfolio Manager to hedge risks and identify opportunities for enhanced returns but also that:
- Sustainability is not an additional criteria that can be freely adopted for investment evaluation, but it must comply to specific regulatory requirements.
One of the fundamental aspects of the previous point was that ESMA had recognised as good practice for Wealth Managers to assess non-financial elements when collecting information on the client’s investment objectives, including acquiring information regarding client preferences on environmental, social and governance factors.
In light of this, the Commission Delegated Regulation (EU) 2021/1253 of 21 April 2021, providing amendments to Delegated Regulation (EU) 2017/565, has specified what is meant by sustainable preferences and indicated the areas and ways in which they must be taken into consideration. It shall apply from 2 August 2022.
Sustainability preferences means a client’s or potential client’s choice as to whether and, if so, to what extent, one or more of the following financial instruments shall be integrated into his or her investment:
- a financial instrument for which the client or potential client determines that a minimum proportion shall be invested in environmentally sustainable investments, as defined in Article 2, point (1), of Regulation (EU) 2020/852 and Article 2, point (17), of Regulation (EU) 2019/2088;
- a financial instrument that considers principal adverse impacts on sustainability factors where qualitative or quantitative elements demonstrating that consideration are determined by the client or potential client.
Sustainability risk must be taken into consideration also in the context of general organisational requirements and risk management: investment firms have to establish, implement and maintain adequate risk management policies and procedures which identify the risks relating to the firm’s activities, processes and systems, and, where appropriate, set the level of risk tolerated by the firm. In doing so, investment firms shall take into account sustainability risks.
Investment firms shall provide a description of, where relevant, the sustainability factors taken into consideration in the selection process of financial instruments; the recommended investments, however, have to meet the investment objectives of the customer, including their risk tolerance and any sustainability preferences.
An investment firm shall not recommend financial instruments or decide to trade such instruments as meeting a client’s or potential client’s sustainability preferences when those financial instruments do not meet those preferences. The investment firm shall explain to the client or potential clients the reasons for not doing so and keep records of those reasons.
Where no financial instrument meets the sustainability preferences of the client or potential client, and the client decides to adapt his or her sustainability preferences, the investment firm shall keep records of the decision of the client, including the reasons for that decision.
Regulation (EU) 2019/2088 defines the proper identification of sustainability factors and risk.
When collecting customer sustainability preferences, through a specific ESG questionnaire, in addition to the traditional one, it is fundamental to acquire information that is sufficiently granular and consistent to allow a thorough consideration of the suitability assessment and stock selection.
**RELATED POST**
### ESG: Still framing the Global Business narrative
[](/owintalk/still-framing-the-global-business-narrative/)
### What’s Next for ESG?
[](http://owintalk/whats-next-for-esg/)
### ESG Spotlight: What are the Major Challenges Facing Senior Leaders?
[](/owintalk/esg-spotlight-what-are-the-major-challenges-facing-senior-leaders/)
**Categories:** #Esg, #Sustainability, Blog, Performance & Risk
---
### [Performance & Risk ESG: fattori di sostenibilità, rischi e preferenze](https://objectway.com/esg-fattori-di-sostenibilita-rischi-e-preferenze/)
**Published:** February 8, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway, featuring The Wealth Mosaic The Rise of ESG in Wealth Management report investigates how ESG is at the centre of today’s risk management approach.
**Content:**
###### FEB 08, 2022
# ESG: fattori di sostenibilità, rischi e preferenze
[Michele Pennacchio](https://www.linkedin.com/in/michele-pennacchio-60612298/)
Senior Business Consultant
Performance & Risk
[\#Esg](/esg/)[\#Sustainability](/sustainability/)
Nel nostro primo articolo sugli investimenti sostenibili, abbiamo introdotto il tema ESG ed evidenziato i principali punti di interesse, insieme alle soluzioni tecnologiche da adottare per la loro gestione.
I criteri ESG sono utilizzati principalmente per ottenere una visione alternativa/differente di un’azienda, ciò permette al portfolio manager di coprire i rischi e identificare le opportunità per il miglioramento dei rendimenti. In aggiunta:
- La sostenibilità non è un criterio aggiuntivo che può essere adottato liberamente per la valutazione degli investimenti, ma deve essere conforme a specifici requisiti normativi.
Uno degli aspetti fondamentali di tale definizione è che negli anni passato l’ESMA aveva riconosciuto come buona pratica per i Wealth Manager valutare elementi non finanziari nella raccolta di informazioni sugli obiettivi di investimento del cliente, compresa l’acquisizione di informazioni riguardanti le preferenze del cliente su fattori ambientali, sociali e di governance.
Alla luce di ciò, il Regolamento Delegato (UE) 2021/1253 della Commissione del 21 aprile 2021, che fornisce modifiche al Regolamento Delegato (UE) 2017/565, ha specificato cosa si intende per preferenze sostenibili e ha indicato gli ambiti e le modalità con cui devono essere prese in considerazione. Dovrebbe avere applicazione a partire dal 2 agosto 2022.
Per preferenze di sostenibilità si intende quando un cliente o potenziale cliente può decidere se e in quale misura, uno o più dei seguenti strumenti finanziari possano essere integrati nel suo investimento:
- uno strumento finanziario per il quale il cliente o potenziale cliente stabilisce che una percentuale minima sia investita in investimenti sostenibili dal punto di vista ambientale, come definito all’articolo 2, punto 1, del Regolamento (UE) 2020/852 e all’articolo 2, punto 17, del Regolamento (UE) 2019/2088;
- uno strumento finanziario che consideri i principali impatti negativi sui fattori di sostenibilità quando gli elementi qualitativi o quantitativi che dimostrano tale considerazione sono determinati dal cliente o potenziale cliente.
Il rischio di sostenibilità deve essere preso in considerazione anche nel contesto dei requisiti organizzativi generali e della gestione del rischio: le imprese di investimento devono stabilire, attuare e mantenere politiche e procedure di gestione del rischio adeguate, che identifichino i rischi relativi alle attività, ai processi e ai sistemi dell’impresa e, se necessario, fissino il livello di rischio tollerato dall’impresa. Nel fare ciò, le imprese di investimento tengono conto dei rischi di sostenibilità.
Inoltre, se opportuno, forniscono una descrizione dei fattori di sostenibilità presi in considerazione nel processo di selezione degli strumenti finanziari; gli investimenti raccomandati, tuttavia, devono soddisfare gli obiettivi di investimento del cliente, compresa la sua propensione al rischio ed eventuali preferenze di sostenibilità.
L’impresa di investimento non deve raccomandare strumenti finanziari o decidere di trattare tali strumenti come conformi alle preferenze di sostenibilità di un cliente o potenziale cliente quando tali strumenti finanziari non soddisfano le preferenze. Può tuttavia spiegare al cliente o al potenziale cliente le ragioni di tale scelta e conserva le registrazioni di tali ragioni.
Quando nessuno strumento finanziario soddisfa le preferenze di sostenibilità e il cliente decide di aggiornare le sue preferenze di sostenibilità, l’impresa di investimento deve conservare le registrazioni, comprese le ragioni di tale decisione.
Il Regolamento (UE) 2019/2088 definisce la corretta identificazione dei fattori di sostenibilità e del rischio. Nella raccolta delle preferenze di sostenibilità del cliente, attraverso uno specifico questionario ESG oltre a quello tradizionale, è fondamentale acquisire informazioni sufficientemente granulari e coerenti per consentire una comprensione approfondita della valutazione di adeguatezza e della selezione degli investimenti.
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### ESG: alla Ricerca della Sostenibilità
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[](/lapplicazione-dei-mifid-quick-fix-nellera-covid-19/)
**Categories:** #Esg, #Sustainability, Blog, Performance & Risk
---
### [Performance & Risk ESG beyond equities: Glimpse into the fund landscape](https://objectway.com/esg-beyond-equities-glimpse-into-the-fund-landscape/)
**Published:** February 17, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** The growth of ESG funds will continue for the foreseeable future, given unprecedented interest both from institutional as well as individual investors
**Content:**
###### FEB 17, 2022
# ESG beyond equities: Glimpse into the fund landscape
[Rajul Mittal ](https://www.linkedin.com/in/rajulmittal/)
Head of Sustainable Finance & ESG, Synechron
[Gert-Jan Hoogendoorn](https://www.linkedin.com/in/gertjanhoogendoorn/)
Head of product, Objectway
Performance & Risk
[\#Esg](/owintalk/banking/) [\#Sustainability](/owintalk/esg/)
Despite the hit from the pandemic, there is strong belief in the market that more and more financial instruments will gradually have an ESG connotation or wrapper, which is already the case with equities and bonds. This leaves us with funds, where a lot of literature is not available in terms of how to gauge funds considering ESG!
The net inflow into sustainable funds has seen unprecedented growth in recent times particularly since the onset of the corona pandemic. In 2021 the inflow breached the 500B USD mark for the first time ever and the overall net asset for sustainable funds stands close to 3T USD.
ESG funds are professionally managed with agreed investment process and strategies. Environmental, Social, and Governance factors are supposedly integrated in an ESG fund.
An ESG fund in a broader sense can mean it has one or more of the following characteristics:
- Broad ESG policy (i.e., minimum threshold on human rights) in order to establish a long-term, trust-based advisory relationship with their existing clients, despite any generational transfer of wealth.
- Thematic or norm screening (i.e., targeting certain sustainable activities which is aligned with the Paris agreement or SDGs) onboarding, suitability processes and client management, boost automation and remove paper, whilst never leaving the delivery of a first-class service to their clients aside.
- Negative impact exclusion policies
More than 250 new sustainable funds were launched in Q4, 2021. The market is also seeing increased activity in terms of repurposing existing funds into sustainable funds. Despite the rapid growth, currently in the global fund universe ESG funds only make up 5% of the total volume. Within the ESG funds the two main categories are ESG mutual funds and ESG ETF. Expectation is that ESG funds would continue to grow at a phenomenal rate in the current decade.
As an ESG fund can be a combination of various asset classes (primarily equities, funds, and bonds), the pertinent question then becomes how to measure ESG funds’ performance? Not surprisingly, the front runners of ESG rating markets, Morningstar (Sustainalytics), MSCI, Refinitiv, ISS etc. have jumped or are in the process of jumping onto this bandwagon i.e., ESG ratings/scores for funds.
ESG based funds usually face the following main challenges:
- Greenwashing risk
- Enhanced requirements from regulators
- Sub-optimal quality of ESG data
- Lack of engagement power or direct conversation with companies
- Fund managers are lacking a comprehensive understanding of detailed ESG issues
- Regulatory compliance considering SFDR, EU Taxonomy, PAI and other sustainable finance regulations on the horizon
The growth of ESG funds will continue for the foreseeable future, given unprecedented interest both from institutional as well as individual investors. ESG fund managers need to further build on their know-how in terms of how to integrate responsible investment in the governance and decision process. Fund managers should understand the limitations ESG ratings at fund level and need to be inventive in their approach.
Want to find out more? [Register now to the webinar](https://objectway.clickmeeting.com/esg-beyond-equities-synechron-objectway/register?_ga=2.31574269.2141666852.1644827555-1638759676.1644506969&_gac=1.91115624.1644827578.Cj0KCQiAmKiQBhClARIsAKtSj-mYBdabLw28uTgij5nR7ahC34EgwLch2Stgvno6_hRQU9i8tREBbooaAhsjEALw_wcB) that will take place next 15 March at 2.00pm CET, Synechron and Objectway will deepen the topic and provide insights.
**RELATED POST**
Performance & Risk
### ESG: Sustainability Preferences, Risk and Factors
[](/esg-sustainability-preferences-risk-and-factors/)
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[](/still-framing-the-global-business-narrative/)
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[](/esg-spotlight-what-are-the-major-challenges-facing-senior-leaders/)
**Categories:** #Esg, #Sustainability, Blog, Performance & Risk
---
### [Performance & Risk ESG in MiFID II](https://objectway.com/esg-in-mifid-ii/)
**Published:** April 19, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** When assessing the ESG preferences of a client, behavioral technology will undoubtedly help to digest the complexity of all the choices the clients need to make
**Content:**
###### APR 19, 2022
# ESG in MiFID II
[Gosia Fortuna](https://www.linkedin.com/in/gosiafortuna/)
Solutions Manager everyoneINVESTED
Performance & Risk
[\#Esg](/owintalk/esg)[\#Sustainability](/owintalk/sustainability)
Putting sustainability at the heart of the financial system is the ambitious goal of the European Green Deal initiative and immediately the cause for changes in MiFID II regulation. The many modifications go beyond financial advice and impact all financial market participants, i.e., issuing companies, wealth managers, asset managers, and data providers.
How will it impact the investment industry?
How to seize this as a commercial opportunity?
How to future-proof your investment processes?
AMBITIOUS DEADLINE
Not meeting the ambitious deadline is not an option, although much uncertainty remains. Indeed, financial institutions are rushing to meet the deadline but will have to ready themselves to shift gear when regulators release additional information on level 2 guidelines. And it is not only the ESG questioning that needs to be ready but also the translation of their advice into portfolios and reporting.
Another challenge will be to have enough products in line with the ESG preferences of their clients from Day 1.
Regulatory changes are more often than not very welcome. Instead, it is just perceived as yet, another legal must-do. Moreover, it usually requires resources that could have been allocated to other projects.
COMMERCIAL OPPORTUNITY
We believe the upcoming EU sustainability regulation could prove a commercial opportunity for the investment industry. Indeed, sustainable investments have already proven to trigger the young to invest (more).
The ESG guidelines will only strengthen their resolve to invest by favoring sustainable businesses. The investment process/product link has to be clear and straightforward enough so that the young see they have a meaningful impact on companies and society.
To traditional investors, the new regulation might—a bit counterintuitively—have even a more significant impact. For example, some clients might turn to less complex execution-only investment processes. In contrast, others might not fully grasp the impact of their choices and end up with solutions that will not fit their expectations.
TECHNOLOGY TO SUCCEED
The challenge is not to discourage clients from getting through this new questioning and technical jargon. A clever approach will be, more than ever, the key to success. Clear communication, behavioral insights, and smart default settings will play an instrumental role in achieving high conversion rates.
There is no point in scaring clients and prospects with complicated processes or complexifying investing. People need to understand or relate to the products offered. The last thing we want is to disappoint a client after buying a product.
We have already proven that it is feasible to turn compliance into commercial performance using behavioral technology. When assessing the ESG preferences of a client, behavioral technology will undoubtedly help to digest the complexity of all the choices the clients need to make.
Technology will be essential at all stages of the chain, going from profiling to advice, portfolio matching, and reporting.
Curious how technology can help?
**[Click here and watch the recording of the Webinar](https://www.objectway.com/esg-as-part-of-mifid-ii-from-client-onboarding-to-advice-and-reporting/)** that took place on April 21st at 14:00 CET. everyoneINVESTED, Objectway, and Synechron will provide some practical insights about implementing the new ESG MiFID II requirements into your processes.
**RELATED POST**
Performance & Risk
### ESG beyond equities: Glimpse into the fund landscape
[](/esg-beyond-equities-glimpse-into-the-fund-landscape/)
Performance & Risk
### ESG: Sustainability Preferences, Risk and Factors
[](/esg-sustainability-preferences-risk-and-factors/)
Performance & Risk
### ESG: Still framing the Global Business narrative
[](/still-framing-the-global-business-narrative/)
**Categories:** #Esg, #Sustainability, Blog, Performance & Risk
---
### [Performance & Risk MIFID II & ESG: Design a Sustainability Investor Journey](https://objectway.com/mifid-ii-esg-design-a-sustainability-investor-journey/)
**Published:** May 17, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** We face new complex MIDIF II requirements that will have a significant impact on the overall investment space and on the components of the customer journey
**Content:**
###### MAY 12, 2022
# MIFID II & ESG: Design a Sustainability Investor Journey
[Gert-Jan Hoogendoorn](https://www.linkedin.com/in/gertjanhoogendoorn/)
Client Solution Director
Performance & Risk
[\#Esg](/esg/)[\#Sustainability](/sustainability/)[\#Mifid](/mifid/)
2nd August is approaching. In 4 months the integration of sustainability factors, risks and preferences into certain organisational requirements and operating conditions for investment firms within MIFID II regulation will come into force. And yet there are still doubts about the latest legislation’s amendments.
Interpretations aside, it is probably not the last time MIFID legislation will change, so any solution you’ll develop will presumably be subject to further adjustment. Meanwhile, we face these new complex requirements that will have a significant impact on the overall investment space and on the components of the customer journey.
The role of the investor has evolved
There is a before & after as far as the role of the investor is concerned. If we look at the changes, we see quite a shift in the level of involvement of the investor. Previously, the investor’s participation was largely passive, now he has become more involved, plays an active role, engages in the process and his considerations regarding sustainability are influenced by ESG, socials, sentiment, but also companies’ information, press, ESG violations. This change will of course modify how financial institutions deal with investors’ preferences.
The new MIFID amendments involve all the components of the investor journey: preferences, advice and ultimately reporting.
Client Preferences-based Advisory
When preferences enter the game, the advisor will have to capture the investor’s view on sustainability.
From 2nd August on the client will have the possibility to indicate that he has no sustainability preference or that he has A, B or C type of preference, where type A is linked to taxonomy regulation and type B & C are linked to SFDR regulation. More in detail, type A is about environment, type B & C are about environment and social goals. Truth be told, taxonomy is expected to include a social aspect in the future so consider future proofing customer journey and use the similarity and differences between the two as inspiration.
Certainly, to express the preferences and consequently build a sustainability preferences customer journey, the client has to make an informed decision. So first, the advisor must inform the client. Second step, the client may choose his preferences and select criteria. And once the client has determined how his sustainable investment should look, he can choose how much of such investment should be present in his portfolio. And only then the advisor can deliver his advice.
Advisory side, the users journey starts therefore with the preferences.
The keystone to this is having a solution that structures this information, where the overall alignment of the portfolio can be calculated based on product information and preferences are considered portfolio by portfolio building on a high level of personalisation we are not yet used to in the investment solutions.
Regarding investment proposals, we reckon there are quite important metrics to consider and calculate, e. g. the alignment of the sustainability. But also, what if situation where current impact, possible changes, and ways to reach a higher level of alignment on the portfolio needs to be shown.
The key point is: the client captures the preferences and then on a portfolio by portfolio basis you can showcase which holdings are completely in line with his preferences from a total perspective, and which holdings have one or two or three exceptions to either taxonomy, sustainability or adverse impacts.
All these kinds of information are required to come in a system and used in a system. Because both the advisor and the investor need all the data to make sure that informed decisions are to be made.
If you want to know more, access the [recording of the webinar ESG as part of MiFID II](https://www.objectway.com/esg-as-part-of-mifid-ii-from-client-onboarding-to-advice-and-reporting/)
**RELATED POST**
Performance & Risk
### ESG in MiFID II
[](/esg-in-mifid-ii/)
Performance & Risk
### ESG beyond equities: Glimpse into the fund landscape
[](/esg-beyond-equities-glimpse-into-the-fund-landscape/)
Performance & Risk
### ESG: Sustainability Preferences, Risk and Factors
[](/esg-sustainability-preferences-risk-and-factors/)
**Categories:** #Esg, #Mifid, #Sustainability, Blog, Business Reconfiguration, Performance & Risk
---
### [Performance & Risk Trasformare le crisi dei mercati finanziari in opportunità per ottimizzare la gestione dei portafogli](https://objectway.com/come-ottimizzare-portafogli-e-investimenti-per-fronteggiare-crisi-finanziarie/)
**Published:** July 12, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** In Objectway crediamo nel valore delle esperienze e della formazione per le nostre persone, per vincere le sfide del futuro
**Content:**
###### JUL 12, 2022
# Trasformare le crisi dei mercati finanziari in opportunità per ottimizzare la gestione dei portafogli
[Michele Tanzi](https://www.linkedin.com/in/michele-tanzi-39b18410/)
Market Solution Director at Objectway
[Marco Migliorin](https://www.linkedin.com/in/marco-migliorin-b963121b/)
Senior Business Leader at Objectway
[Domenico Sartore](https://www.linkedin.com/in/domenico-sartore-56a66a8/)
Professor at Università Ca’ Foscari Venezia
Performance & Risk
\#Portfoliomanagement[\#Portfoliooptimisation](/owintalk/portfoliooptimisation/)[\#Riskmanagement](/owintalk/riskmanagement/)
Negli ultimi anni è diventato sempre più evidente che i tradizionali strumenti di gestione del rischio e analisi dei portafogli debbano essere affiancati da nuovi strumenti, più evoluti, per rispondere al meglio al contesto attuale, che è in rapida e costante evoluzione.
I gestori di portafogli necessitano a loro volta di un toolkit adeguato all’analisi degli scenari, sia per comparare quanto avvenuto in passato ma soprattutto per analizzare possibili scenari futuri e compiere delle scelte che siano supportate da dati.
Grazie al contributo di esperti di mercato ed esperti di analisi macroeconomiche che hanno condiviso la loro esperienza e know-how, la serie di podcast dal titolo Gli strumenti per ottimizzare i portafogli e fronteggiare le crisi di mercato indaga a fondo come far fronte alle crisi dei mercati ed ottimizzare i propri portafogli ed investimenti, trasformando i rischi in opportunità.
Il racconto che si sviluppa in queste puntate risponde ad una sempre maggiore frequenza di crisi dei mercati finanziari che, da un lato complicano la gestione dei portafogli finanziari e dall’altro delineano opportunità per coloro che riusciranno ad interpretare i segnali dei mercati e a gestire in modo idoneo le diverse situazioni di calo e risalita.
Come sfruttare gli scenari di mercato?
Facendo un passo indietro, il fenomeno della globalizzazione è coinciso con alcuni lustri di crescita sostenuta in quasi tutto il mondo; le opportunità di investimento sono aumentate e con esse le occasioni di crisi. In questo frangente, i detentori di risparmio hanno goduto dell’accesso a forme di investimento nuove, caratterizzate da gradi di liquidità molto differenti.
La focalizzazione è dunque deviata da una considerazione primaria di tasso di interesse a una ricerca più ampia di opportunità di guadagno. Così, i processi di investimento e le leve decisionali alla base dello stesso si sono complicati ed esposti agli effetti negativi dei rischi, amplificati da eventi imprevedibili e di portata planetaria.
In questo panorama, la sfida consiste nel saper somatizzare il rischio come componente cattiva del processo di investimento, tentando di prevenirla e cavalcarla, più che imbrigliarla. Il buon esito di questa impresa può consentire di innovare usando dall’esperienza accumulata nell’affrontarla, per sfruttare la rischiosità a proprio vantaggio.
La strategia per evolvere in una dinamica di rischio così instabile si sta indirizzando da una parte verso investimenti diversificati in termini di asset: da investimenti mobiliari e immobiliari a forme di compartecipazione come private equity o di diversificazione sostanziale, come investimenti in opere d’arte o auto d’epoca. Da un’altra parte, nell’ambito degli investimenti consueti all’asset allocation più consolidata, si registra la tendenza a una gestione più attenta e interventista sulle dinamiche di volatilità infraperiodali.
Tutto questo passa da tre pilastri nevralgici del processo deliberativo, ossia la raccolta di informazioni e di dati quantitativi, l’applicazione di metodologie di stima e di elaborazione e l’adozione di processi snelli di decisione e di giudizio, fondati su numeri e pattern oggettivi.
Analisi di scenario: l’antidoto alla crescente incertezza finanziaria
L’esigenza da parte dei gestori di portafogli di strumenti adeguati all’analisi degli scenari sembra oggi più urgente data l’enorme quantità di informazioni che pervengono alle aziende. I dati si moltiplicano a velocità sbalorditive e le aziende impiegano le pipeline di dati per sfruttare in tempi brevi tutto il potenziale dei propri dati e soddisfare le richieste più rapidamente.
Dato che ad oggi sembrano scarseggiare coloro che sono in grado di processare i dati e ottenere delle sintesi che siano utili a direzionare la navigazione dell’azienda, per il momento si pensa di far fronte alla massiccia quantità di informazioni con tecniche di autoapprendimento.
Quando si parla di sfruttare la crisi, l’analisi di scenario deve basarsi su dati macroeconomici che permettano di costruire segnali anticipatori delle crisi più profonde, di prevedere la loro frequenza, ma soprattutto la loro profondità.
La previsione non è scenario e ha margini di incertezza che sfuggono al controllo di chi la produce. L’analisi di scenario invece permette di trasmettere al modello le view dell’analista, quindi di calibrare maggiormente gli andamenti futuri delle variabili di interesse.
**RELATED POST**
Performance e Risk
### Digitalizzare i processi di Gestione Patrimoniale
[](/digitalizzare-i-processi-di-gestione-patrimoniale/)
Podcast
### Crisi dei mercati finanziari e dei portafogli
[](https://open.spotify.com/episode/3eU5Xip28Orqx3UuOCYA4s?si=5d2fa267a4ac47b2&nd=1)
Podcast
### Come sfruttare le crisi di mercato e trasformarle in opportunità
[](https://open.spotify.com/episode/5h6NvSnDpHSOvmLEh2GW8m?si=fba996b1b3a14b72&nd=1)
Podcast
### Analisi di scenario come antidoto alla maggior incertezza finanziaria
[](https://open.spotify.com/episode/4MfcE6yYyUP7p0bNZIc4vO?si=2e4394347429443a&nd=1)
**Categories:** #PortfolioManagement, #PortfolioOptimisation, #RiskManagement, Blog, Performance & Risk
---
### [Innovation Sustainable Innovation: Insights & Perspectives from an unparalleled Panel Discussion](https://objectway.com/sustainable-innovation-insights-and-perspectives-in-wealth-and-asset-management-areas/)
**Published:** June 8, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Sustainability helps investors look at the short and long-term impact. This extends to the client. Wealth managers leverage technology to access the new generation.
**Content:**
###### JUNE 08, 2023
# Sustainable Innovation: Insights & Perspectives from an unparalleled Panel Discussion
[Marianna Vilardi](https://linkedin.com/in/marianna-vilardi-1bb057163/)
Senior Marketing Content Creator
Innovation
[\#Sustainability](/owintalk/sustainability/)\#Innovation[\#Esg](/owintalk/esg/)
Led by Alberto Cuccu, Chief Solution/Executive Officer at Objectway, the insightful discussion brought together a distinguished line-up of industry experts and Objectway’s clients who shared their expertise and perspectives on the subject.
Joining the conversation were James Scott Andrews, Director & Head of Investment Management at Redmayne Bentley, Damiano Baj, Chief Operating Officer at EFG Bank, Gareth Johnson, Head of Digital Channels at RBC Brewin Dolphin and Bartosz Golba, Research Director at GlobalData.
Future areas of Innovation within the Wealth and Asset Management space
One area that came instantly to mind was AI and how that would look in terms of practical application and use cases. Chat GPT in particular was raised. [James Scott Andrews](https://www.linkedin.com/in/james-andrews-mba-51b0049/), Director and Head of Investment Management at [Redmayne Bentley](https://www.redmayne.co.uk/) highlighted its potential in an investment research setting, specifically in analysing and interpreting news flow for assessing investment impacts.
Other uses for AI could include enhancing customer user experience, the sales and marketing processes and other areas that are heavily reliant on accurate sentiment analysis.
The big question is of course whether humans would ever be able to trust a machine to give them financial advice? That question obviously is yet to be answered.
Approaching Innovation
The best way to approach innovation also came under the spotlight by the panel. Multiple elements need consideration. The client journey is a good starting place and the innovation element comes from redefining and rethinking it. The panel thought any element of the journey; onboarding, an investment proposal, a credit application could be broken down and reimagined optimally.
The need for a multidisciplinary approach was identified as key. Indeed cross-collaboration and the need to have an adaptive approach were thought to be integral to the Success of any innovation project. It was noted by [Damiano Baj](https://www.linkedin.com/in/damianobaj/), Chief Operating Officer at [EFG Bank](https://www.efginternational.com/uk), that the industry has never had such a portfolio of change and innovation in the pipeline like this year.
According to Baj, one element that is essential to bring to the table is talent. People with diverse experiences and competencies are crucial to challenging the status quo and breaking away from traditional approaches.
The role of the regulator in promoting innovation and change was also cited. In the UK, the PRA and FCA were thought to be very active in paving the way for positive change and innovation.
*The regulator is setting up the framework and the context so that it’s possible for multiple players, existing players, new players, and peers alike to be ahead of the game and develop a new framework, for clients, for competitors, for business-to-business relationships*, said [Baj](https://www.linkedin.com/in/damianobaj/)
Indeed, the regulator moving from being seen as a cost-based compliance burden to becoming something of a driver for innovation was seen as a positive.
*This is a great mindset change If you think about it. If the regulator helps you to understand what your next evolution is target then that has to be a positive,*
– [Alberto Cuccu](https://www.linkedin.com/in/alberto-cuccu-21a401/), Chief Executive Officer at Objectway.
Some thought that innovation and a change in culture was as much about the way in which a business and it composite parts collaborate to effect positive change as it was around a specific project.
[Gareth Johnson](https://www.linkedin.com/in/gareth-johnson-10106017/), Head of Digital Channels at [RBC Brewin](https://www.brewin.co.uk/) spoke about the recent acquisition of Brewin by RBC and how that was working when it comes to culture.
*Being in that wider group will make a big difference for us and we will need to think about how we leverage what RBC has globally. With 90,000 new people though, the innovation is going to be coming through culture and the business once we get to place where we can exploit what we both have and explore for the future. The innovation is going to be much more about how we collaborate as a whole business,* he said.
One question he had was how to blend business ideas with technology?
*One of the things you will see increasingly is a desire to react to technology and how you bring together the technologists and the business units and get them to talk the same language*, he noted.
The panel agreed that innovation would be strongly influenced by how well a firm can bring businesses and people together and give them a clear vision. Eventually,
*Technology is the enabler but you have to approach the business with a holistic vision and looking at all the facets of the innovation”*, stated [Cuccu](https://www.linkedin.com/in/alberto-cuccu-21a401/).
Moving on to the data, [Bartosz Golba](https://www.linkedin.com/in/bartoszgolba/), Research Director at [GlobalData](https://www.globaldata.com/), was consulted by Alberto Cuccu to discuss what he reckoned as the future of innovation. Inheritance planning in this context was cited as a particular instance where wealth managers need to improve.
*Many actually still do not offer any inheritance planning services if you put that in the context of intergenerational wealth transfer, it seems like someone is missing an opportunity here*, said [Golba](https://www.linkedin.com/in/bartoszgolba/).
This may be linked to actually changing mindset internally or the corporate culture inside of the organisation.
In parallel, wealth managers are beginning to recognise the distinction between tasks that can be accomplished internally and those that require external assistance. It is worthwhile to consider outsourcing or forming partnerships to access a wider range of skills and resources.
ESG spotlight
The way that people invest was also considered to need attention. The need to trust that the wealth manager is always sticking to the investment mandate – in particular the demand for an ESG overlay is becoming standard as investors want to not only capture returns but do no harm in the process too.
*We’re hearing a lot from clients that if overall they are not losing money and they are helping drive ESG then they are doing the right thing. This mentality in the new generation is really strong,* said [Cuccu](https://www.linkedin.com/in/alberto-cuccu-21a401/).
Pulling this back to innovation the panel remarked that [sustainability is now part of the agenda](/how-to-take-advantage-of-the-best-of-innovation-to-achieve-a-long-term-sustainable-growth//) and part of how most firms are looking to innovate to grow and scale – the same keywords come up time and time again.
[Damiano Baj](https://www.linkedin.com/in/damianobaj/) explained how his firm wanted to contribute to sustainability on two dimensions; as an asset allocator – on the investment side and also to internal and external stakeholders.
The firm now has over 400 data points and KPIs to consider when it comes to asset allocation. But, the panellist said, the qualitative oversight to drive and support the selection is as important because it amounts to the contribution in the transformation and transition required of companies.
*On the internal side and stakeholder side, innovation and sustainability are essentially a cultural journey. We acknowledge this is an important cultural journey and we need to leverage experience to move the firm from being a classical financial institution to one with sustainability at its core – this change needs to happen, but we also need to remain stability during this period of innovation*, he said.
The takeaway was that sustainability is helping investors to look both at the short term and long-term impact, which also extend to the client. Indeed, wealth managers are increasingly looking to leverage technology to access emerging wealth and the younger generation.
But key point is that a person’s needs and service expectations will change as they move through life.
*What you wanted in your twenties is going to be something very different to in your forties or your fifties, but we often design just for where someone is now without thinking about that evolution*, [Johnson](https://www.linkedin.com/in/gareth-johnson-10106017/) pointed out.
It was agreed that a lot of what people traditionally want from wealth management hasn’t changed; beyond technology, the human nature of the service and its implementation are still right at the centre of what is on offer.
And to extend that concept, an issue that is common to all clients is that of trust. Today, more than ever, wealth managers need to build up trust for the long term; that includes trust with existing and future, next generation clients.
Indeed, the next generation requires a bit of guesswork as they are yet to become clients.
*That’s a real challenge in terms of innovating and agreeing to spend on that innovation,* said [Andrews](https://www.linkedin.com/in/james-andrews-mba-51b0049/).
However, what is certain is that without trust wealth managers will not be able to attract and retain the next generation of clients.
**RELATED POST**
Market Trends
### From Venice to the World at OWIN23: Insights on Sustainable Innovation
[](/from-venice-to-a-universal-future-insights-on-sustainable-innovation-long-term-growth/)
About Objectway
### OWIN23: Unleashing Sustainable Innovation, Collaboration, and Client-Centricity
[](/unleashing-sustainable-innovation-collaboration-and-client-centricity-at-owin23/)
Market Trends
### Sustainable Innovation at Scale: The New Paradigm
[](/sustainable-innovation-at-scale-for-driving-business-growth/)
**Categories:** #Esg, #Sustainability, Blog, Innovation
---
### [Innovation Innovazione e sostenibilità: le sfide di oggi e di domani nell’industria della finanza](https://objectway.com/technological-innovations-for-digital-wealth/)
**Published:** June 12, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** L’importanza di strategie di investimento che siano sostenibili ed adattabili nel medio lungo termine in un’ottica di innovazione sostenibile.
**Content:**
###### JUNE 12, 2023
# Innovazione e sostenibilità: le sfide di oggi e di domani nell’industria della finanza
[Marianna Vilardi](https://linkedin.com/in/marianna-vilardi-1bb057163/)
Senior Marketing Content Creator
Innovation
- [ITA](#tab-1750781892391-0)
- [ENG](#tab-1750781892646-9)
[\#Sustainableinnovation](/sustainable-innovation/)[\#Esg](/esg/)[\#ClientRelationship](/client-relationship/)[\#Mifid](/mifid/)[\#Digitalcollaboration](/digital-collaboration/)
Nel contesto frenetico dell’innovazione e dei cambiamenti rapidi e repentini, il bilanciamento tra innovazione e sostenibilità è diventato un tema di primaria importanza. Questo scenario pone sfide che è necessario vincere ed offre opportunità che è necessario cogliere.
Per discuterne, Objectway ha partecipato al Salone del Risparmio 2023. Durante la tavola rotonda moderata da Michele Tanzi, Market Solution Director, professionisti d’eccezione del settore quali Marcello Colla, Pianificazione Strategica di Etica Sgr, Stefano Rossi, Chief Executive Officer di Euclidea, Gianmarco Zanetti, Direttore Generale Euromobiliare Advisory SIM e Gianni Piazzoli, Chief Investment Officer di Vontobel, si sono confrontati su un contesto economico e normativo in continua evoluzione.
Bilanciare la conformità normativa con l’evoluzione della relazione con il cliente
L’industria finanziaria sta affrontando un cambio di paradigma, passando da un modello prodotto & istituzione centrico ad un [modello centrato sul cliente](/how-to-leverage-innovation-to-achieve-sustainable-growth-for-your-business/). Quando si parla di Customer Experience, il mercato concorda sulla necessità di iper-personalizzare l’offerta a supporto delle esigenze e delle richieste dei clienti. Michele Tanzi ha interpellato a riguardo Gianmarco Zanetti, Direttore Generale Euromobiliare Advisory SIM.
*In generale, l’ondata normativa o le normative possono essere considerate come un potenziale vantaggio competitivo*, afferma [Zanetti](https://www.linkedin.com/in/gianmarco-zanetti-470081171/)
Ne è un esempio la MiFID 2 che – probabilmente percepita come un’insidia in un primo momento dagli intermediari finanziari – in realtà, in ottica di centralità del cliente, ha portato vantaggi significativi in termini di maggiore trasparenza, rappresentazione dei costi, tutela del risparmiatore. Inoltre, ha portato ad una modifica e diversificazione dei modelli di servizio, aumentando così la competitività e la concorrenza a beneficio del cliente. La presenza di più modelli di servizio consente infatti di creare più valore per il cliente.
D’altra parte, la normativa spinge gli intermediari a comunicare in modo più efficace e a far comprendere meglio il valore ai clienti. Pertanto, diventa fondamentale affrontare il tema della comunicazione non solo dal punto di vista del marketing, ma anche in termini di valore per il cliente.
*La tecnologia, la digitalizzazione, le forme ibride, le piattaforme che hanno consentito di fare un salto qualitativo da una semplice consulenza finanziaria a una consulenza patrimoniale, valorizzando tutti gli elementi del patrimonio e semplificando la determinazione del prezzo del servizio. Questi elementi sono fondamentali per restituire valore ai clienti.*
– [Gianmarco Zanetti](https://www.linkedin.com/in/gianmarco-zanetti-470081171/)
L’elemento principale se parliamo di sostenibilità è dunque, secondo Zanetti, in quale misura l’intermediario riesce a far percepire al cliente il valore tangibile di tale sostenibilità, partendo dall’assunto secondo cui il cliente desidera sapere quanto guadagno può ottenere rispetto al rischio che sta assumendo, e quanto dal proprio investimento potrà effettivamente ottenere.
*Questo, a mio parere, è un elemento su cui è necessario riflettere. È solo attraverso una profonda competenza in questi ambiti e, soprattutto, permeando l’intera organizzazione aziendale che possiamo garantire un’esperienza che fornisca un valore reale al cliente finale*, ha conlcuso[ Zanetti](https://www.linkedin.com/in/gianmarco-zanetti-470081171/)
ESG ed evoluzione dell’offerta: Il punto di vista dei clienti e le previsioni del settore
Mantenendo i riflettori accesi sul valore al cliente, in particolare rispetto ad i criteri ESG, Tanzi ha interpellato [Marcello Colla](https://www.linkedin.com/in/marcello-colla-943b334/), Pianificazione Strategica di Etica Sgr.
*Abbiamo sempre avuto un approccio a 360 ° alla sostenibilità ESG dei nostri prodotti, ma ultimamente abbiamo sentito l’urgenza di porre particolare attenzione su prodotti specifici per affrontare questioni cruciali*, ha esordito [ Colla](https://www.linkedin.com/in/marcello-colla-943b334/)
Ha citato il cambiamento climatico come primo elemento di attenzione, con riferimento al fondo Impatto Clima, accolto favorevolmente dalla cliente. Il secondo tema verso cui Etica ha indirizzato la propria offerta è invece legato al Sociale ed ha assunto maggiore rilevanza in particolare a seguito delle due grandi sfide, la guerra e la pandemia, che il mondo ha affrontato di recente.
*Non è possibile concepire una transizione ecologica che escluda ampie fasce della popolazione o che si basi su elementi strutturalmente complessi. Questa è una questione che abbiamo già affrontato in passato come Etica Sgr quando desideravamo investire nell’energia rinnovabile, ma ci siamo trovati nell’impossibilità di farlo a causa delle condizioni lavorative discutibili in cui venivano prodotti i pannelli solari.*
– [Marcello Colla](https://www.linkedin.com/in/marcello-colla-943b334/)
Riguardo l’accoglienza da parte della clientela, il tema è più complesso da trasmettere rispetto al tema climatico. Il tema sociale è più sfaccettato e presenta diverse sfumature in contesti diversi – il concetto stesso di “sociale” può assumere significati diversi se consideriamo aziende che operano in paesi meno industrializzati rispetto a quelle con operazioni in Italia. Pertanto, è necessario adottare un ragionamento più ampio.
*Noi crediamo ed abbiamo sempre provato a portare valore non solo finanziario, ma di impatto percepito. La creazione di impatto è un valore che cerchiamo di offrire ai nostri clienti. Riconosciamo di essere in una fase iniziale, tuttavia, riteniamo che sia un percorso fondamentale se vogliamo attribuire pari dignità all’impatto sociale e ambientale rispetto alla dimensione economica tradizionale.*
– [Marcello Colla](https://www.linkedin.com/in/marcello-colla-943b334/)
*Tornando dunque all’acronico, laddove la E è ormai un elemento ovvio a tutti e la G è conosciuta nel mondo del lavoro da anni, la S è decisamente ad oggi un aspetto estremamente cruciale* ha concordato [ Gianni Piazzoli](https://www.linkedin.com/in/giannipiazzoli/), Chief Investment Officer di Vontobel.
Una situazione squilibrata porta a lungo termine squilibri nei diversi settori della società – settore sanitario, il sistema pensionistico etc.
*Se vogliamo ridurre i rischi per la società, la S deve essere equivalente alla E*, ha affermato.
Guardando al medio-lungo periodo, secondo Piazzoli, nel corso del tempo ci sarà una spinta crescente verso l’adozione di [impatti ESG nella valutazione finanziaria](/mifid-ii-esg-design-a-sustainability-investor-journey/), includendo la valutazione di alcune sintesi quantitative insieme agli approcci tradizionali di valutazione delle società.
*Considerando il breve termine è previsto invece un rallentamento inevitabile dell’economia, con un aumento dei tassi di interesse che avrà un impatto significativo soprattutto nel settore immobiliare. Questo fenomeno è stato osservato in alcuni paesi in cui i prezzi degli immobili sono cresciuti in modo particolarmente elevato. In Italia, l’effetto è stato forse meno evidente da un lato. Tuttavia, è importante considerare che se si verificherà un rallentamento economico significativo o una recessione, potrebbe essere di natura più graduale che drastica. È da notare che questa è una delle recessioni più previste e anticipate degli ultimi decenni; quindi, il sistema nel suo complesso si sta già preparando per questo scenario imminente.*
– [Gianni Piazzoli](https://www.linkedin.com/in/giannipiazzoli/)
Ottimizzazione e riconfigurazione dei processi aziendali attraverso l’outsourcing strategico
*Dai nostri dati emerge infine che gli operatori del mercato sono alla ricerca di opportunità di outsourcing per migliorare ed esternalizzare parte dei processi. Questa ricerca e la conseguente selezione del proprio partner di fiducia avviene oggi con un’ottica più strategica, e meno tattica* ha affermato in chiusura [Michele Tanzi](https://www.linkedin.com/in/michele-tanzi-39b18410/), riferendosi alla collaborazione tra Euclidea ed Objectway.
*Il valore aggiunto per il cliente può assumere diverse forme, a seconda delle percezioni individuali. Tuttavia, l’inefficienza di un processo non dipende dalle percezioni. È fondamentale, dunque, che tutti gli elementi del processo funzionino in modo sinergico. La partnership con Objectway ci consente di migliorare l’efficienza percepibile dal cliente finale, su cui continueremo ad investire.*
– [Stefano Rossi](https://www.linkedin.com/in/stefano-rossi-941166163/), Chief Executive Officer di Euclidea.
In conclusione, e considerando l’Innovazione Sostenibile in un contesto d’insieme, i partecipanti alla tavola rotonda hanno concordato sulla necessità e l’importanza di strategie di investimento che siano sostenibili ed adattabili nel medio lungo termine. Per raggiungere questo obiettivo è fondamentale avere un’organizzazione agile ed una cultura aziendale che sia incentrata sull’innovazione; è indispensabile porre il cliente al centro della sperimentazione ed innovare sulla base delle sue necessità. In questo scenario, la capacità di costruire delle partnership e collaborazioni può favorire lo scambio di idee e l’abbattimento dei costi, creando un ecosistema di innovazione.
[\#Sdr](/owintalk/sdr/)\#Innovation [\#Sustainability ]()[\#Esg ]()[\#Hyperpersonalisation](/owintalk/hyperpersonalisation/)
In the fast-paced environment of innovation and rapid change, balancing innovation and sustainability has become a major issue. This scenario poses challenges that must be overcome and offers opportunities that must be seized.
To discuss this, Objectway participated in the Salone del Risparmio 2023. During the panel discussion moderated by Michele Tanzi, Market Solution Director, outstanding industry professionals such as Marcello Colla, Strategic Planning of Etica Sgr, Stefano Rossi, Chief Executive Officer of Euclidea, Gianmarco Zanetti, Manging Director Euromobiliare Advisory SIM and Gianni Piazzoli, Chief Investment Officer of Vontobel, discussed the changing economic and regulatory environment.
Balancing regulatory compliance with evolving client relationships
The financial industry is facing a paradigm shift from a product- and institution-centric model to a [customer-centric model](/how-to-leverage-innovation-to-achieve-sustainable-growth-for-your-business/). When it comes to customer experience, the market agrees on the need to hyper-personalise the offering to support customers’ needs and demands. Michele Tanzi asked Gianmarco Zanettini, Managing Director Euromobiliare Advisory SIM, about this.
*In general, the regulatory wave or regulations can be seen as a potential competitive advantage, says*[ Zanetti](https://www.linkedin.com/in/gianmarco-zanetti-470081171/)
An example of this is MiFID 2 which – probably perceived as a pitfall at first by financial intermediaries – in reality, from a client-centric perspective, has brought significant advantages in terms of greatertransparency, cost representation, and saver protection. Moreover, it has led to a change and diversification of service models, thus increasing competitiveness and competition to the benefit of the customer. In fact, the presence of more than one service model makes it possible to create more value for the customer.
On the other hand, regulation pushes intermediaries to communicate more effectively and make value better understood by customers. Therefore, it becomes crucial to address the issue of communication not only from a marketing perspective, but also in terms of value for the customer.
*Technology, digitalisation, hybrid forms, and platforms have made it possible to make a qualitative leap from simple financial advice to wealth advice, enhancing the value of all elements of assets and simplifying the pricing of the service. These elements are fundamental to returning value to clients*
– [Gianmarco Zanetti](https://www.linkedin.com/in/gianmarco-zanetti-470081171/)
The main element if we talk about sustainability is therefore, according to Zanetti, to what extent the intermediary succeeds in making the client perceive the tangible value of this sustainability, starting from the assumption that the client wants to know how much profit he can get with respect to the risk he is taking, and how much from his investment he can actually get.
*This, in my opinion, is something we need to reflect on. It is only through deep expertise in these areas and, above all, by permeating the entire corporate organisation that we can guarantee an experience that provides real value to the end customer*,[ Zanetti](https://www.linkedin.com/in/gianmarco-zanetti-470081171/) concluded.
ESG and the evolution of the offering: the customer perspective and industry forecasts
Keeping the spotlight on client value, particularly with respect to ESG criteria Tanzi questioned [Marcello Colla](https://www.linkedin.com/in/marcello-colla-943b334/), Strategic Planning at Etica Sgr.
*We have always had a 360° approach to the ESG sustainability of our products, but lately we have felt the urgency to focus on specific products to address crucial issues*, began [ Colla](https://www.linkedin.com/in/marcello-colla-943b334/).
He cited climate change as the first focus, with reference to Impatto Clima, which was well received by the client. The second theme that Etica has directed its offering towards is social and has become more relevant in particular following the two major challenges, war and pandemic, that the world has faced recently.
*It is not possible to conceive of an ecological transition that excludes large sections of the population or that is based on structurally complex elements. This is an issue we have already addressed in the past as Etica SGR when we wanted to invest in renewable energy but found ourselves unable to do so because of the questionable working conditions in which solar panels were produced.*
– [Marcello Colla](https://www.linkedin.com/in/marcello-colla-943b334/)
Regarding customer acceptance, the topic is more complex to convey than the climate theme. The social theme is more multifaceted and has different nuances in different contexts – the very concept of ‘social’ can take on different meanings if we consider companies operating in less industrialised countries than those with operations in Italy. Therefore, it is necessary to adopt a broader reasoning.
*We believe and have always tried to bring value not only in financial terms, but in terms of perceived impact. Creating impact is a value that we try to offer our clients. We recognise that we are at an early stage, however, we believe that it is a fundamental path if we want to give equal dignity to social and environmental impact compared to the traditional economic dimension.*
– [Marcello Colla](https://www.linkedin.com/in/marcello-colla-943b334/)
*So going back to the acronym, where the E is now obvious to everyone and the G has been known in the business world for years, the S is definitely an extremely crucial aspect today,* agreed[ Gianni Piazzoli](https://www.linkedin.com/in/giannipiazzoli/), Chief Investment Officer at Vontobel.
An unbalanced situation leads in the long term to imbalances in the various sectors of society – the healthcare sector, the pension system, etc.
*If we want to reduce the risks for society, the S must be equivalent to the E*, he said.
Looking at the medium to long term, according to Piazzoli, over time there will be an increasing push towards the [adoption of ESG impacts in financial valuation](/mifid-ii-esg-design-a-sustainability-investor-journey/), including the evaluation of certain quantitative summaries alongside traditional company valuation approaches.
*Looking at the short term, however, an inevitable economic slowdown is expected, with rising interest rates having a significant impact especially in the real estate sector. This phenomenon has been observed in some countries where real estate prices have risen particularly high. In Italy, the effect has perhaps been less noticeable on the one hand. However, it is important to consider that if a significant economic slowdown or recession occurs, it may be more gradual than drastic in nature. It should be noted that this is one of the most predicted and anticipated recessions in recent decades; therefore, the system as a whole is already preparing for this imminent scenario.*
– [Gianni Piazzoli](https://www.linkedin.com/in/giannipiazzoli/)
Optimising and reconfiguring business processes through strategic outsourcing
*Our data show that market players are looking for outsourcing opportunities to improve and outsource part of their processes. This search and the consequent selection of their trusted partner is now taking place from a more strategic, and less tactical, perspective*, said [Michele Tanzi](https://www.linkedin.com/in/michele-tanzi-39b18410/), referring to the collaboration between tra Euclidea and Objectway.
*Added value for the customer can take different forms, depending on individual perceptions. However, the inefficiency of a process does not depend on perceptions. It is therefore crucial that all elements of the process work synergistically. The partnership with Objectway allows us to improve the efficiency perceived by the end customer, which we will continue to invest in.*
– [Stefano Rossi](https://www.linkedin.com/in/stefano-rossi-941166163/), Chief Executive Officer of Euclidea.
In conclusion and considering Sustainable Innovation in an overall context, the roundtable participants agreed on the need for and importance of investment strategies that are sustainable and adaptable in the medium to long term. To achieve this, it is essential to have an agile organisation and a corporate culture that is focused on innovation; it is imperative to put the customer at the centre of experimentation and to innovate based on their needs. In this scenario, the ability to build partnerships and collaborations can facilitate the exchange of ideas and the reduction of costs, creating an innovation ecosystem.
**RELATED POST**
Market Trends
### Sustainable Innovation: Insights & Perspectives from an unparalleled Panel Discussion
[](/sustainable-innovation-insights-and-perspectives-in-wealth-and-asset-management-areas/)
About Objectway
### OWIN23: Unleashing Sustainable Innovation, Collaboration, and Client-Centricity
[](/unleashing-sustainable-innovation-collaboration-and-client-centricity-at-owin23/)
Market Trends
### Sustainable Innovation at Scale: The New Paradigm
[](/sustainable-innovation-at-scale-for-driving-business-growth/)
**Categories:** #ClientRelationship, #DigitalCollaboration, #Esg, #Mifid, #Sustainableinnovation, Blog, Innovation
---
### [Innovation Journey towards Value-Led Innovation in Wealth Management: Insights from the Banking Scene Event](https://objectway.com/achieving-value-led-innovation-in-wealth-management-the-banking-scene-brussels/)
**Published:** June 20, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** By prioritizing value-creation for clients through innovative products and services, financial institutions can meet the evolving demands of their customers
**Content:**
###### June 20, 2023
# Journey towards Value-Led Innovation in Wealth Management: Insights from the Banking Scene Event
[Kurt Vanhee](https://www.linkedin.com/in/kurtvanhee/)
Managing Director Continental Europe & North America Objectway
Innovation
[\#DigitalChange](/digitalchange/)[\#Hyperpersonalisation](/hyper-personalisation/)[\#Sustainability](/sustainability/)[\#ClientCommunication](/clientcommunication/)
For the second time in a row, Objectway participated in the prestigious The Banking Scene event in Brussels. As the flagship event in Belgium for banking industry stakeholders, the forum provided a unique platform to explore the latest developments and trends in the financial sector. This year I took part in the panel discussion on “Value-Led innovation as a Driver for Change in Wealth Management”.
Objectway serves a diverse range of clients across the full spectrum of [wealth management solution design](/change-in-private-wealth-management/) in private banks, wealth managers, asset service providers, asset managers, etc over three continents. Despite the broad spectrum of financial institutions we work with, we reckon that value-led innovation remains a critical aspect across different client segments. This approach centres around delivering innovative products and services that align with clients’ values, preferences, and evolving demands.
Responding to Client Expectations & Building a Foundation for Scalable Personalization
In today’s dynamic landscape, the wealth management industry is undergoing a transformation driven by clients’ increasing demands for personalized, transparent, and socially responsible investment solutions.
Achieving value-led innovation therefore necessitates drawing insights from all aspects of client engagement to support the right type of innovation program. We have been helping clients achieve this by capturing and harnessing data that is not only created through transactional events, but is also accessible during client/advisor interactions, client self-service data management and decision making, and client service engagement and feedback. This holistic approach not only leads to a much richer and evolving client profile, but also provides the building blocks for creating more pro-active actions that anticipate direct client needs as well as those present in the broader household.
When the underlying data model has this level of integration and extensibility in it, the firm can establish the foundation for scalable personalization at the engagement level, but also in the way it constructs, distributes, and prices new offerings with a focus on sustainability and other client-centric themes.
Overcoming challenges in Implementing Value-Led Innovations
Despite the potential benefits, implementing value-led innovations presents challenges for many organizations, the panel concluded. Objectway engages with many different types of stakeholders, and while these individuals will be operating in the same firm, they might not always be fully aligned in terms of objectives. This is often because organizations struggle to communicate transparently in a cross functional way exactly what they need to achieve.
It is our responsibility as a vendor and partner of our client to ask the right questions throughout the project lifecycle, ensuring . all issues are brought to the table. We help our clients to make complex decisions easy. Stakeholders buy-in, not only from the sponsor, but also from the entire organization cross functional. This is key to deliver innovative and sustainable solutions. This proactive approach helps prevent future roadblocks way deep in the process and it will avoid strategic realignment costs.
Eventually, by prioritizing the creation of value for clients through innovative products and services, financial institutions can meet the evolving demands of their customers. Objectway remains committed to driving this transformation and supporting our clients in achieving their objectives, ensuring that stakeholders across the organization are aligned, and delivering innovative and sustainable solutions that resonate with clients’ values.
**RELATED POST**
Innovation
### Sustainable Innovation: Insights & Perspectives from an unparalleled Panel Discussion
[](/sustainable-innovation-insights-and-perspectives-in-wealth-and-asset-management-areas/)
Podcast OWIN23
### Boosting Operational Excellence and Innovation
[](/boosting-operational-excellence-and-innovation/)
Video Interview
### How to take advantage of the best of innovation to achieve a long-term sustainable growth
[](/how-to-take-advantage-of-the-best-of-innovation-to-achieve-a-long-term-sustainable-growth/)
**Categories:** #ClientCommunication, #DigitalChange, #HyperPersonalisation, #Sustainability, Blog, Innovation
---
### [Innovation Sustainability & Innovation in Asset & Wealth Management](https://objectway.com/sustainability-and-innovation-in-asset-and-wealth-management/)
**Published:** July 3, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** ESG investments surge. Balancing performance, sustainability, and client engagement is crucial. Data, tech, trust are key for innovation.
**Content:**
###### July 03, 2023
# Sustainability & Innovation in Asset & Wealth Management
[Roberto Ferrari](https://www.linkedin.com/in/robertoferrari/)
Digital Reinvention Community Leader at Qorus
Innovation
[\#Sustainability](/owintalk/sustainability/)[\#Digitalengagement](/owintalk/digital-engagement/)[\#Hyperpersonalisation](/owintalk/hyperpersonalisation/)[\#Sustainableinnovation](/owintalk/sustainable-innovation/)
In the realm of sustainable finance, Quorus is a non-profit association since 50 years striving to make a significant impact. With 1528 Financial Institutions Members (from 156 countries), Quorus fosters collaboration, produces valuable content, and conducts research. One of its key initiatives is the Digital Reinvention Community, which brings together professionals to share insights and best practices.
Objectway invited on stage at OWIN23 Roberto Ferrari, Digital Reinvention Community Leader at Qorus, speaking about the evolution of investment solutions design, aligning to profitability while expanding its potential to create social and environmental value over the long term. Below the key insights from his speech, directly from his pen!
The Rise of Sustainable Investments & Key Factors Driving Change
The flow of capital into sustainable, ESG assets has been remarkable, amounting to billions of euros or dollars. This surge in interest and investment serves as the impetus for discussions and events. Furthermore, the impact of sustainable investing extends beyond the financial industry itself. As companies are increasingly evaluated based on their sustainability practices, the potential for driving global change emerges, transcending the confines of the financial sector.
Amidst market dynamics and economic uncertainties, understanding the developments and challenges within the industry becomes therefore crucial. A primary focus is discerning [the true impact of ESG changes](/esg-beyond-equities-glimpse-into-the-fund-landscape/) versus the issue of greenwashing; are changes really true or just a strategic manoeuvring to derive industry benefits without necessarily promoting social progress. But also, measurement and interpretation of sustainability metrics become paramount; how do you measure in a reliable and effective way, against the multitude of scoring systems and analysis tools available? How do you interpret such a wide concept that is sustainability?
On the other side, there are clients who play a crucial role in the equation. Are they genuinely interested in the well-being of the planet, or is it just another fleeting trend? If the financial returns were to be affected, would their commitment waver? These questions are yet to be answered but one challenge is for sure and it’s client engagement. Particularly as expectations differ among generational cohorts, balancing performance, time horizons, and social equity becomes a delicate endeavour.
At the end of the day, overcoming greenwashing and ensuring the reliability of sustainability claims is of utmost importance. As various vendors, data models, and scoring systems proliferate, standardization is necessary to maintain consistency across the industry. Still, simultaneously, personalisation of products to meet individual client preferences is essential and increasingly required.
Data, Technology, and Trust
Data, Technology, and trust are at the core of navigating this evolving landscape. Effectively measuring, monitoring, and leveraging data is vital for managing vast assets and serving millions of customers. Technology plays a crucial role in designing, segmenting, and tailoring offerings. Harnessing data, utilizing technology, and establishing trust form the foundation for success, as the industry undergoes transformation within the broader digitisation wave, enabling asset managers to create innovative and accurately measured products and services.
Regulation & Innovation go hand in hand to fuel the market and create real social impact
Finally, there’s one last elephant in the room to address: [regulation](/wm-gruppe-kundenforum-2022-how-to-manage-esg-data-requirements/), heavily impacting the financial services industry. While regulation can stifle innovation by imposing control, I believe, it undoubtedly serves to enhance credibility, foster standardization, and provide transparency to customers regarding the balance between social and financial returns. Finding this balance is the challenge ahead, considering the varying targets and preferences of individual clients. Despite potential complexities, the objective is to deliver clarity and transparency to customers, aligning their desired balance between social and financial outcomes.
**RELATED POST**
Innovation
### Sustainable Innovation: Insights & Perspectives from an unparalleled Panel Discussion
[](/sustainable-innovation-insights-and-perspectives-in-wealth-and-asset-management-areas/)
Innovation
### From Venice to the World at OWIN23: Insights on Sustainable Innovation
[](/from-venice-to-a-universal-future-insights-on-sustainable-innovation-long-term-growth/)
About Objectway
### OWIN23: Unleashing Sustainable Innovation, Collaboration, and Client-Centricity
[](/unleashing-sustainable-innovation-collaboration-and-client-centricity-at-owin23/)
**Categories:** #DigitalEngagement, #HyperPersonalisation, #Sustainability, #Sustainableinnovation, Blog, Innovation
---
### [Regulation Il Monitoraggio Assoreti a Tutela del Cliente e del Suo Patrimonio](https://objectway.com/il-monitoraggio-assoreti-a-tutela-del-cliente-e-del-suo-patrimonio/)
**Published:** July 9, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Assoreti suggerisce una serie di verifiche e controlli da effettuare al fine di intercettare presunte anomalie sull’operato dei propri consulenti.
**Content:**
###### JUL 15, 2021
# Il Monitoraggio Assoreti a Tutela del Cliente e del Suo Patrimonio
[Ottaviano Confalonieri](https://www.linkedin.com/in/ottaviano-confalonieri-13186813/)
Objectway Client Program & Demand Manager
Regulation
[\#PortfolioOptimisation](/portfolio-optimisation/)[\#Digitaladvisory](/digital-advisory/)[\#ClientCommunication](/clientcommunication/)[\#Regtech](/regtech/)
Sembrano ormai lontani i tempi in cui qualunque operazione finanziaria avveniva con l’ausilio dell’intervento umano, grazie ad un rapporto diretto tra il cliente ed il suo intermediario finanziario. Ad oggi, gli investimenti finanziari possono essere effettuati anche in autonomia dal cliente per mezzo di diverse piattaforme proposte dal mercato; si pensi all’home banking, ai siti specializzati, alle applicazioni scaricabili dal proprio smartphone etc. Dunque, anche nel caso in cui esista un rapporto di consulenza tra il cliente ed il suo intermediario per il tramite di un consulente finanziario o di altre figure abilitate, lo stesso cliente – spesso grazie a suggerimenti ricevuti nell’ambito di un servizio di consulenza – può operare in autonomia, validando le transazioni tramite processi di firma elettronica qualificata.
La necessità di effettuare un monitoraggio sui processi digitali
Ma come possiamo essere certi che sia davvero il cliente ad effettuare queste operazioni e che lo faccia consapevole delle implicazioni ed i rischi connessi? Nonostante il mondo della consulenza finanziaria sia popolato da grandi professionisti, potrebbe infatti celarsi fra loro qualcuno il cui operato non sia del tutto conforme alle regole di comportamento dettate dagli organi preposti alla vigilanza.
Per scongiurare questa eventualità, Assoreti (Associazione delle Società per la Consulenza agli Investimenti) suggerisce una serie di verifiche e controlli che Banche, SIM ed in generale le organizzazioni a capo di una rete di intermediari finanziari, dovrebbero effettuare al fine di intercettare presunte anomalie sull’operato dei propri consulenti.
I controlli Assoreti comprendono ad oggi le situazioni più classiche come ad esempio non far sottoscrivere un piano di accumulo ad una persona anziana, non far transitare il denaro dei clienti sul conto del consulente finanziario o di terzi.
Nel panorama odierno si aggiungono però ulteriori verifiche, rese necessarie come detto dal progresso della tecnologia e dal conseguente sviluppo di nuovi processi digitali.
Supponiamo che un consulente disponga delle credenziali di accesso telematico del proprio cliente che, sulla base di un rapporto di fiducia, gli permette di effettuare determinate operazioni impersonificando il cliente. Come è possibile sapere chi effettua realmente le operazioni?
Da questo quesito deriva la necessità di intercettare altri tipi di comportamenti potenzialmente anomali, comunque legati ad un utilizzo improprio delle attuali tecnologie avanzate:
- Verifica incrociata dei dati relativi agli accessi telematici dei clienti e degli indirizzi dei dispositivi utilizzati (laptop, smartphone), al fine di verificare l’effettiva fonte operante
- Verifica della frequenza dei disinvestimenti da parte di più clienti assistiti dal medesimo consulente finanziario con accredito delle somme su conti di altri soggetti o presso banche terze
- Elevata incidenza di clienti assistiti dal medesimo consulente finanziario che attivano servizi online senza poi avvalersene
L’intento delle istituzioni è quindi quello di ampliare le casistiche di indagine. Esistono software che, utilizzando le informazioni provenienti da varie fonti, sono in grado di elaborare ed evidenziare queste presunte anomalie che sono poi verificate dagli uffici preposti per cercare di cogliere eventuali comportamenti non corretti.
Si tratta di un aiuto davvero prezioso. In un mondo in continua in evoluzione, tanto dal punto di vista tecnologico quanto finanziario, ci è dato immaginare che nasceranno in futuro nuovi metodi di indagine con l’unico fine di tutelare il cliente finale ed il suo patrimonio.
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**Categories:** #ClientCommunication, #DigitalAdvisory, #PortfolioOptimisation, #Regtech, Blog, Regulation
---
### [Regulation The Canadian Entrepreneur’s Incentive (CEI) and Its Impact on Capital Gains](https://objectway.com/the-canadian-entrepreneurs-incentive-cei-and-its-impact-on-capital-gains/)
**Published:** July 9, 2024
**Author:** Lorenzo Noventa
**Excerpt:** Objectway offers you a complimentary copy of Gartner® report, outlining the essential predictions for business leaders to drive productivity amid uncertainty.
**Content:**
###### 09 Jul, 2024
# The Canadian Entrepreneur’s Incentive (CEI) and Its Impact on Capital Gains
Dave Faulkner
Product Strategy Advisor
Regulation
[\#Artificialintelligence](/owintalk/artificial-intelligence/)[\#Businessdevelopment](/owintalk/businessdevelopment/)[\#Regtech ](/owintalk/regtech/)
On June 10th, Deputy Prime Minister and Finance Minister Chrystia Freeland presented her much-anticipated capital gains proposal to Parliament, setting the stage for a pivotal vote that could have far-reaching consequences for entrepreneurs across the country. Discover who stands to gain and who might lose out under this new proposal.
The Canadian Entrepreneur’s Incentive (CEI) aims to reduce taxes on up to $6.25 million of capital gains—but conditions apply, and most Canadian business owners will end up paying more!
The budget notes that entrepreneurs with eligible capital gains of up to $6.25 million will benefit under the proposed Capital Gains Tax changes. Consider the example of Kate, an entrepreneur who founded a fintech startup years ago. If she sells her company to a larger fintech firm, earning $2 million in capital gains, Kate would only pay tax on $667,000 (33% of the $2 million in capital gains) when the CEI is fully implemented. This represents a reduction in her taxable income by $333,000 compared to the current 50% capital gains inclusion rate.
Furthermore, when the CEI is fully implemented, along with the increased Lifetime Capital Gains Exemption (LCGE) of $1.25 million, entrepreneurs like Kate will benefit from at least $3.25 million in total and partial lifetime capital gains exemptions. This means some entrepreneurs will pay less tax on up to $6.5 million of capital gains.
To illustrate, let’s consider a hypothetical scenario that examines how the proposed changes to capital gains would impact Kate if she fails to meet one of the conditions.
What is the Canadian Entrepreneur’s Incentive (CEI)?
To clarify, I consulted the Canada Copilot AI, a free tool powered by artificial intelligence trained on the 2024 Canadian Federal Budget. Here’s the explanation it provided:
*The Canadian Entrepreneurs’ Incentive is a government proposal to encourage entrepreneurship in Canada. The key details are:*
*Reduced Inclusion Rate on Capital Gains:*
- *The inclusion rate on eligible capital gains will be reduced to 33.3%*
- *This applies to a lifetime maximum of $2 million in eligible capital gains.*
*Increased Lifetime Capital Gains Exemption:*
- *When fully implemented, the incentive will provide entrepreneurs with a combined exemption of at least $3.25 million when selling all or part of their business.*
- *This includes the increased total lifetime capital gains exemption of $1.25 million.*
- *The $2 million additional incentive will increase by $200,000 each year, starting in 2025, until it reaches $2 million in 2034.*
*Eligibility Criteria:*
*The $2 million additional incentive will be available to founding investors who:*
- *Own at least 10% of the shares in their business.*
- *Have had the business as their principal employment for at least 5 years.*
- *The business must be in certain eligible sectors.*
*In summary, the Canadian Entrepreneurs’ Incentive aims to provide significant tax relief to entrepreneurs when they sell their businesses, in order to encourage entrepreneurship and business growth in Canada. Eligible entrepreneurs can benefit from up to $3.25 million in total and partial lifetime capital gains exemptions.*
How Much Tax Will Kate Have to Pay?
In my hypothetical scenario, I assumed Kate’s business is located in Ontario and has a Fair Market Value (FMV) of $6,500,000. She has never claimed any LCGE and is the only shareholder. To simplify the analysis, I did not consider inflation or growth on the FMV of the business.
For calculations, I used the RazorPlan Financial Planning Software, which provides advanced tax settings to illustrate pre & post-2024 Budget proposals, along with various Corporate Estate Planning strategies such as Stop-loss and Pipeline planning.
The illustration below compares Kate’s capital gains tax under the old and new rules, assuming she qualifies for the CEI. Once the CEI is fully implemented in 2034, her capital gains tax will be $1,495,000 compared to $1,468,000 under the old rules.
However, if Kate’s business is not in “certain eligible sectors” or if she fails to meet other “eligibility criteria,” her capital gains tax under the proposed rules will increase to $1,851,000—an increase of $383,000 or 5.9%.
How do the Changes Impact Holding Companies?
Most Canadian entrepreneurs I have worked with are focused on creating a business that earns a profit, which the owner can then invest for their future. What if Kate’s business is a holding company with a $6.5 million investment portfolio that has an ACB of $4,500,000? To avoid double taxation, her estate plan includes winding up her corporation to take advantage of the Stop-Loss rules. In this scenario, the total tax payable would be $2,920,000 compared to $2,728,000 under the old rules. The increase of $193,000 in tax payable is the result of the proposed changes to the capital gains inclusion rate from 50% to 66.67% for corporations, impacting the tax paid and the RDTOH available on wind-up.
In conclusion, the Canadian Entrepreneur’s Incentive (CEI) introduces notable changes to the tax landscape for entrepreneurs in Canada, promising significant reductions in capital gains tax for those who meet specific criteria. However, eligibility restrictions and sector-specific conditions suggest that not all business owners will benefit equally. Understanding these nuances is crucial, especially for those planning significant business transactions in the near future.
For a more personalized analysis of how these changes might affect your client’s financial strategy, consider exploring RazorPlan Financial Planning Software. This tool offers detailed insights and simulations tailored to the latest tax regulations. Additionally, for a broader understanding of the 2024 Canadian Federal Budget and its implications on entrepreneurial clients, take advantage of the free Canada Copilot AI tool provided by EVAD.AI. Both resources can enhance your planning and decision-making process.
Visit their websites today to learn more and ensure that your financial planning advice is as effective and informed as possible.
*This content was created with assistance from artificial intelligence. The information provided should be used for informational purposes only and is not intended to be financial or investment advice. Please consult with a qualified financial advisor before making any financial decisions.*
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---
### [Regulation The consumer duty: elevating standards & putting consumers' need first](https://objectway.com/elevating-standards-and-putting-consumers-needs-first/)
**Published:** November 30, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** The FCA emphasise the need for higher consumer protection in retail financial markets. The Consumer Duty enhances consumer trust and attracts inward investment.
**Content:**
###### November 30, 2023
# The consumer duty: elevating standards & putting consumers’ need first
[Marianna Vilardi](https://linkedin.com/in/marianna-vilardi-1bb057163/)
Senior Marketing Content Creator
Regulation
[\#ClietCommunication](/clientcommunication/)[\#CustomerJourney](/customerjourney/)[\#Onboarding](/onboarding/)
In the ever-evolving landscape of business, the importance of consumer trust, growth and innovation cannot be overstated. Indeed, higher standards and healthier competition form the bedrock of an environment that not only fosters trust, but also propels growth and innovation. The Financial Conduct Authority (FCA) underscores this imperative, emphasising the need for higher consumer protection in the retail financial markets. Firms are urged to compete vigorously in the consumers’ interests, understanding their needs and providing flexibility to support them, ensuring positive outcomes. In the UK, Consumer Duty therefore emerges as a pivotal piece in this growth puzzle, offering immense potential benefits, particularly in enhancing consumer trust and attracting inward investment.
But pay attention, do not to consider Consumer Duty a mere checkbox on a corporate to-do list; it’s a transformative cultural shift and, as such, it demands a profound integration into the very fabric of a firm’s identity, culture, and operations. From the Board to the front-line delivery teams, spanning product design, communications and customer support, the Duty requires a comprehensive presence across the entire organisational spectrum and extending into its strategy, governance, leadership, and people policies.
Regulatory Demand: The Outcomes
Consumer Duty translates into tangible outcomes across various dimensions of a firm’s operations:
- Products & Services: Governance measures must be in place throughout the complete lifecycle of a product or service. Incorporating customer feedback is crucial for continuous optimisation and enhancement.
- Price & Value: Regular evaluation of the price and value of products or services is essential. Firms must articulate and substantiate inherent value, whilst ensuring fair pricing aligned with quality and benefits.
- Consumer Understanding: Meticulous evaluation of client communications is imperative. Recommendations should be tailored to clients’ needs and comprehensive documentation on benefits, costs, risks, and tax implications is essential to enhance consumer awareness.
- Consumer Support: Aligning software systems with the preferences of the target demographic and establishing contact channels that cater to clients’ preferences is imperative.
The Governance Framework emphasises demonstrating good faith in customer interactions, taking measures to prevent foreseeable harm, and actively supporting customers in pursuing their financial objectives.
Understanding Customer Journey
A firm’s ability to understand the end-to-end customer journey and align this with the four outcomes, will enable the firm to apply the necessary framework required under the Duty.
Delving into the products and services offered, evaluating their price and value, and ensuring customer comprehension at each stage of the journey are critical considerations. Documenting these aspects becomes imperative when constructing a comprehensive framework encompassing policies, processes, and guidance. The real game-changer lies in the ability to capture and respond to customer feedback effectively, this not only acts as tangible evidence of the support customers are receiving but also serves as a catalyst for continuous enhancement of products and services.
However, the journey doesn’t end with feedback alone. Having robust analytical tools in place is equally pivotal. These tools empower firms to capture, interrogate, and monitor client data seamlessly throughout the customer journey, aligning with the four mandated outcomes. In essence, possessing the right analytical arsenal is key to not only meeting but exceeding the requirements set forth by the Consumer Duty.
A Pathway to Excellence
Embracing the Consumer Duty is not just a regulatory requirement; it’s an opportunity for businesses to elevate their standards, foster trust and actively contribute to growth and innovation. By making consumer-centricity a core aspect of their culture and operations, firms can position themselves not just for compliance but for sustained success in a globally competitive landscape.
Explore these concepts and more in Objectway’s comprehensive paper on the Consumer Duty. Download it now:
Gain deeper insights into seamlessly integrating the Consumer Duty into your business practices to enhance outcomes!
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**Categories:** #ClientCommunication, #CustomerJourney, #Onboarding, Blog, Regulation
---
### [Regulation 27. WM Kundenforum 2022](https://objectway.com/wm-gruppe-kundenforum-2022-how-to-manage-esg-data-requirements/)
**Published:** November 22, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway took part in the 27. WM Kundenforum, organized by WM Gruppe. The main topic regarded the debate around ESG data requirements in the value chain.
**Content:**
###### NOV 22, 2022
# 27. WM Kundenforum 2022
[Karl im Brahm](https://www.linkedin.com/in/karl-im-brahm/)
CEO BEI Die Software Objectway Group
Regulation
- [ENG](#tab-1750784372437-8)
- [DE](#tab-1750784372497-7)
[\#Regulation](/owintalk/regulation/)[\#ESG](/owintalk/esg/)\#ESAP
A big compliment to Torsten Ulrich and his team for the successful WM customer event on 10.11.2022 in Frankfurt.
The colleagues from WM informed us broadly about the WM platform strategy, AI, tokenisation, ESG, customer experience and regulatory projects. Of course, ESG was at the centre of the discussion. The unanimous opinion in the auditorium was that we are on a good path, but there is still a lot of uncertainty and a need for regulation on the part of the regulator.
The big challenge will be to manage the ESG data requirements in the value chain. Since August 2022, client preferences must be documented in the advisory process. Currently, capital market players have enormous individual efforts to meet the upcoming requirements.
A uniform data pool, which is being established with the European single access point (ESAP), will certainly provide a solution.
The ESAP will contribute to a more sustainable, digital and better integration of the capital markets. However, it must also be more than just an information tool for collecting raw data. A standard procedure, maximum transparency, data integrity and the credibility of the information source are key requirements. Capital market actors must be able to rely on user-friendly automatic data validation and adequate monitoring. Proper and adequate monitoring of financial and ESG data providers will therefore be important in the near future.
The ESAP is under construction and will probably be usable from 2025. Until then, the financial industry will rely on workarounds. We are still far from a standard procedure for the delivery of ESG data. Different data quality, calculation methods are still causing headaches for capital market players. The standard is urgently needed to avoid falling into the “greenwashing” trap. Due to a lack of resources and standards, companies also have difficulties in preparing their sustainability reports. We are talking about European standards in the first step. Global standards then increase the complexity again.
My impression is that the focus is on the E and the complexity of the S (social) and G (governance) makes the target picture for data quality even more complex.
However, I was also pleased that WM was quite self-critical in telling us what we can expect in terms of WM EDDy.
Our expert from Product Development has compiled the latest information on this.
Our project team is still well on schedule, even though there are new challenges due to unexpected structural changes in the data delivery logic. For developers this means adapting this change at short notice and making it available to our customers. Such a change also leads to new test scenarios, but here we are also well prepared and can react very promptly thanks to in-house test data, which is always kept up to date in the consulting area.
The go-live date of Easter 2023 is getting closer and closer but based on the feedback we have received so far from the customer and the project team behind it, I am very confident that we will be ready on time for Easter. Finally, I would like to mention that should an unexpected failure occur, a back-up solution will be available.
We look forward to the next WM Customer Forum in 2023!
[\#Regulation](/owintalk/regulation/)[\#ESG](/owintalk/esg/)\#ESAP
Ein großes Kompliment an Torsten Ulrich und sein Team für das gelungene WM Kunden Event am 10.11.2022 in Frankfurt.
Die Kollegen von WM haben uns breit über die WM Plattformstrategie, KI, Tokenisierung, ESG, Customer Experience und regulatorische Projekte informiert. Natürlich stand ESG im Mittelpunkt der Diskussion. Einhellige Meinung im Auditorium war, wir befinden uns auf einem guten Weg aber es besteht noch viel Unsicherheit und Regelungserfordernis auf Sei-ten des Regulators.
Die große Herausforderung wird sein die ESG Datenerfordernis in der Wertschöpfungskette zu managen. Seit August 2022 müssen die Präferenzen der Kunden im Beratungsgespräch dokumentiert werden. Aktuell haben die Kapitalmarktakteure enorme individuelle Auf-wendungen, um die anstehend Anforderungen zu erfüllen.
Abhilfe wird sicherlich ein einheitlicher Datenpool schaffen, der mit dem European single access point (ESAP) aufgebaut wird.
Der ESAP wird zu einer nachhaltigeren, digitalen und besseren Integration der Kapitalmärk-te beitragen. Er muss aber auch mehr sein als nur ein Informationsinstrument zur Samm-lung von Rohdaten. Ein Standardverfahren, höchste Transparenz, Datenintegrität und die Glaubwürdigkeit der Informationsquelle sind maßgebliche Voraussetzungen. Die Kapital-marktakteure müssen auf eine benutzerfreundliche automatische Datenvalidierung und eine angemessene Kontrolle vertrauen können. Eine ordnungsgemäße und angemessene Überwachung der Anbieter von Finanz- und ESG-Daten wird daher in naher Zukunft wichtig sein.
Der ESAP ist im Aufbau und wahrscheinlich ab 2025 nutzbar. Bis dahin wird die Finanzin-dustrie auf Workarounds vertrauen. Wir sind noch weit von einem Standardverfahren für die Lieferung von ESG Daten entfernt. Unterschiedliche Datenqualität, Berechnungsme-thoden bereiten den Kapitalmarktakteuren noch Kopfschmerzen. Der Standard ist drin-gend erforderlich, um nicht in die „Greenwashing“ Falle zu tappen. Aufgrund fehlender Ressourcen und Standards haben auch Unternehmen Schwierigkeiten bei der Erstellung ihrer Nachhaltigkeitsberichte.
Auch ist mein Eindruck, das der Fokus der Betrachtung auf dem E liegt und die Komplexität des S (Social) und G (Governance) das Zielbild bei der Datenqualität nochmal komplexer macht.
Gefreut hat mich aber auch, dass WM uns durchaus selbstkritisch mitgeteilt hat, was wir in puncto WM EDDy neu zu erwarten haben.
Unser Expertin aus dem Product Development hat hierzu die aktuellsten Informationen zusammengetragen.
Unser Projektteam liegt nach wie vor gut im Plan, auch wenn es aufgrund von unerwarte-ten Strukturänderungen in der Datenanlieferungslogik zu neuen Herausforderungen kommt. Für die Entwickler bedeutet dies kurzfristig diese Änderung anzupassen und für unsere Kunden bereitzustellen. Eine solche Änderung führt auch zu neuen Testszenarien, hier jedoch sind wir ebenfalls gut gerüstet und können aufgrund hauseigen erstellter Test-daten, die im Bereich Consulting stets aktuell gehalten werden, sehr zeitnah reagieren.
Der Go-Live Termin Ostern 2023 rückt immer näher, ich bin jedoch aufgrund der bisherigen Feedbacks auf Kundenseite und dem dahinterstehenden Projektteam sehr zuversichtlich, dass wir pünktlich zu Ostern bereitstehen. Hier abschließend ist jetzt bereits zu erwähnen, sollte es zu einem unerwarteten Ausfall kommen, eine Back up Lösung zur Verfügung steht.
Wir freuen uns auf das nächste WM Kundenforum 2023!
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**Categories:** #Esg, Blog, Regulation
---
### [Regulation One deadline ahead in Operational Resilience. Now off to the next!](https://objectway.com/one-deadline-ahead-in-operational-resilience-now-off-to-the-next/)
**Published:** May 24, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** The gold standard would be to be able to continue operating your services throughout any operational incidents through effective response strategies.
**Content:**
###### MAY 24, 2022
# One deadline ahead in Operational Resilience. Now off to the next!
[Alexander Cassar](https://www.linkedin.com/in/sandrocassar/)
Chief Business Development Officer
Regulation
[\#Regtech](/owintalk/regtech)[\#Smcr](/owintalk/smcr)
31 March 2022 was the longstop date for firms to conclude their operational resilience implementation phase and draft a plan for the upcoming three years.
And while now firms have tested their ability to recover from potential disruption, this is not the time to sit back. The countdown has already started to the next deadline of 31 March 2025, for firms to prove their ability to operate within impact tolerances.
Once again, rules apply to banks, building societies, PRA-designated firms, insurers, enhanced scope (SMCR) Senior Managers & Certification Regime firms.
Let’s go over again…
why you should deeply care about operational resilience.
We have learnt that unexpected, disruptive events can happen in the blink of an eye (Covid-19 pandemic, Ukraine war) and it pays to be prepared to react to whatever impact they might have on your business, strengthening service resilience and protecting account accessibility for your clients.
By now, you should have already:
- Identified your important business services;
- Set the thresholds for the maximum tolerable disruption to business operations;
- Integrated technology to centralise risk information and manage a large and complex data set;
- And carried out mapping and testing of thresholds, collecting data and evidence on how these could make sense and provide the right answer for your customers.
If you can put a check on these goals, then congrats, you have your operational resilience plan ready!
Staples to bear in mind
Recently at Objectway we conducted a [survey](https://www.objectway.com/download-survey-report-building-operational-resilience/) on the matter to help clients gain meaningful insights and in particular what to pay attention to when looking at the next deadline.
First and foremost, technology transformation is an essential element to address to support business continuity, crisis management, disaster recovery and other risk areas.
An approach that includes both technology and people expertise is then paramount to build a strong, agile, response plan. Many had already built an internal team dedicated to Operational Resilience, but it’s important to further push this aspect.
Three years from now, firms will be tested again. We believe that this transitional period will give you the possibility to improve your systems and strategies to respond to disruptive challenges.
In particular, to build your cyber resilience framework for cyberattacks and data leak, that are recognised as the risk areas organisations are most concerned about.
Quoting from Churchill, this is just the end of the beginning! And in three years times you will be tested again to assess if you remained within the impact tolerances.
But careful there, do not lose sight of the overarching aim and become engrossed in the science of analysing data and determining tolerance thresholds.
The gold standard would be to be able to continue operating your services throughout any severe but plausible operational incidents through effective response strategies.
What’s next is harder than ever to predict, but firms should not be afraid to take the get ahead in the journey to greater Operational Resilience.
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---
### [Regulation DORA: Investire nella resilienza per il settore Fintech sullo sfondo di un cyber scenario complesso](https://objectway.com/dora-investire-nella-resilienza-per-il-settore-fintech-sullo-sfondo-di-un-cyber-scenario-complesso/)
**Published:** April 6, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Approdare ad un nuovo modello focalizzato sull’efficientamento dei processi per giungere ad un obiettivo comune di garanzia nella gestione del servizio
**Content:**
###### APR 12, 2022
# DORA: Investire nella resilienza per il settore Fintech sullo sfondo di un cyber scenario complesso
[Manuela Marciano](https://www.linkedin.com/in/manuela-marciano-0726245b/)
Legal & Compliance Director
Regulation
[\#DigitalChange](/digitalchange/)[\#Regtech](/regtech/)[\#Smcr](/smcr/)
La pandemia da Covid-19, i recenti sconvolgimenti geopolitici, nonché la disruption digitale e tecnologica che ne è derivata, hanno messo alla prova e continuano a sfidare la capacità di resilienza della nostra società, del nostro sistema economico e delle singole organizzazioni, richiamandoci ad una sempre maggiore attenzione alla sicurezza ed alle metodologie affinché questa possa essere salvaguardata.
Questo tema, che come fornitori del [settore Finance](https://www.objectway.com/objectway-at-a-glance/) ci vede fortemente coinvolti per il contesto strategico in cui operiamo, ci ha condotto ad accogliere la proposta di partecipazione al Security Summit, il convegno organizzato da CLUSIT ed interamente dedicato alla Cyber Security, nell’ambito del quale ci siamo focalizzati sulla [resilienza operativa digitale](https://www.objectway.com/download-survey-report-building-operational-resilience/) per il settore finanziario oggetto del Regolamento europeo DORA e su come centrare i nuovi traguardi che ne deriveranno.
Tutti gli attori che a vario titolo operano nel settore Finance sono senza dubbio coinvolti dai cambiamenti introdotti dal Regolamento e sono chiamati a dare, a loro volta, un contributo attivo nella gestione dei relativi impatti. Un indicatore interessante in tal senso è già presente nello stesso Regolamento che introduce espressamente un principio di collaborazione, normando la condivisione delle informazioni tra le entità finanziarie e i fornitori terzi di servizi, non solo critici ma complessivamente considerati.
Si tratta a ben vedere di una novità importante sotto il profilo partecipativo che induce a riflettere sul tradizionale modello relazionale cliente/fornitore caratterizzato dal contraddittorio contrattuale sull’erogazione del servizio specifico, per approdare ad un nuovo modello focalizzato sull’efficientamento dei processi per giungere ad un obiettivo comune di garanzia nella gestione del servizio.
In prospettiva il concetto di erogazione del servizio dovrà inglobare sempre di più anche il concetto di gestione del servizio in collaborazione con il Cliente. Da questo punto di vista anche il Fornitore dovrà avvalersi di una propria compliance, certamente indipendente ma fortemente orientata al servizio.
Un percorso di successo potrà essere quello di andare decisamente in questa direzione di ripensamento strategico della compliance non solo come funzione di controllo di quanto viene svolto da altri ma, anzi, fattore di sviluppo all’interno dell’azienda attraverso la diffusione di maggiore conoscenza normativa e regolamentare, di maggiore consapevolezza, di azioni di coordinamento e di “ponte” con il Cliente, valorizzando professionalità trasversali in ambito tecnico e normativo e favorendone sempre più l’interazione.
Chi ha già iniziato questo percorso può senz’altro affermare quanto la compliance lato fornitore così intesa possa essere determinante per il posizionamento del prodotto o servizio che viene offerto e per il raggiungimento di obiettivi comuni.
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---
### [Regulation Future-proof your business: Raise the bar on operational resilience](https://objectway.com/future-proof-your-business-raise-the-bar-on-operational-resilience/)
**Published:** December 10, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway surveyed professionals as time has come to implement and strengthen operational resilience plans to future-proof businesses
**Content:**
###### DEC 10, 2021
# Future-proof Your Business: Raise The Bar On Operational Resilience
[Marianna Vilardi](https://www.linkedin.com/in/marianna-vilardi-1bb057163/)
MARKETING CONTENT CREATOR
Regulation
[\#Regtech](/owintalk/regtech/)[\#Smcr](/owintalk/smcr/)
As all in the industry are aware, the Bank of England, FCA and Federal Reserve Board have been discussing recommendations for operational resilience since 2019: it’s clear that the latest unexpected events further accelerated the urgency to operate resiliently. If it’s true that firms have coped well with disruptive changes so far, now it is time to implement and strengthen their operational resilience plans to future-proof businesses against whatever lies ahead.
Objectway surveyed professionals among banking and wealth management to discover if and to what extent the industry will be able to fight back.
Ready or not?
Operational Resilience has increasingly become a higher priority – 83% of firms realise that it will come into force on 1st April 2022. Facing this scenario, among the professionals surveyed only 21% have their Operational Resilience plan defined. Currently, 62% are still working on the plan, and a minority of firms (9%) stated they were unaware of the approaching deadline.
By the end of March all firms involved will therefore need to have carried out a series of activities to achieve their operational resilience requirements. Specifically, they will need to:
- Identify their Important Business Services: 45% have already detected one or more IBS.
- Carry out mapping, testing and setting impact tolerances: 22% are currently testing the thresholds sets and refining the plan; 20% are setting the thresholds for the detected IBS.
Given that 43% of firms agree that FCA’s ultimate goal is to prevent, adapt, recover and learn from operational disruptions, it is interesting to consider how the external situation looks like, providers’ side.
According to the survey, a vast majority of firms have either started to map all providers concerned in the regulation or are discussing and verifying if they are compliant or not. Overall, most firms are moving towards a resilient position.
It is interesting to observe that no firms have already completed this milestone, and 21% have not yet started – neither in drafting a plan or contacting their service providers to assess whether they are compliant according to operational resilience regulation.
Technology Transformation Is Pivotal
Keeping up to date with operational resilience is one thing, but execution is another. The majority of respondents (75%) agree that technology transformation is an essential element to address, in order to support business continuity, crisis management, disaster recovery and other risk areas; cyber-attacks and data leak being the most selected risk areas organisations are concerned about.
As emerged from our survey, while 15% of professionals have already integrated technology that centralises risk information to manage a complex data set, 10% state their crisis management capabilities really need improvement.
Indeed, resilience technology will provide banks with the toolset they need to identify their weaknesses, will assist them in recognising data dependencies and simulate the possible outcomes in case of disruption, while resilience experts can draft the plan and interact with the authorities. This approach including both technology and people expertise can effectively lead to building a strong, agile, response plan.
On this matter, half of firms surveyed have built an internal team dedicated to Operational Resilience, while the other half is still in the process of setting up or has involved an external party to support the business. The authorities have set 3 years testing span for firms to endure in the implementation phase, and while most firms agree that less time would have not been enough, 27% either do not know yet or believe more time is needed.
This transitional period will give firms the possibility to invest properly and improve their systems and strategies to respond to difficult times and challenges. The period should be used as a test bench, to ensure the resilience of internal services and the reliability of third-party providers.
We do not know what’s next, but what’s sure is that firms need to be ready to face it.
[Download the Survey Report and discover all the key findings!](https://www.objectway.com/download-survey-report-building-operational-resilience/)
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**Categories:** #Regtech, #Smcr, Blog, Regulation
---
### [Regulation Operational Resilience: is the UK financial sector ready?](https://objectway.com/operational-resilience-is-the-uk-financial-sector-ready/)
**Published:** October 21, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** The aim of this Operational Resilience regulation is to ensure that the sector is able to prevent, adapt, respond to, recover and learn from operational disruptions.
**Content:**
###### OCT 21, 2021
# Operational Resilience: is the UK financial sector ready?
[Alessandro Rocco](https://www.linkedin.com/in/alessandro-rocco-09071995/)
Marketing & Communication Specialist
Regulation
[\#Regtech](/owintalk/regtech/)[\#Smcr](/owintalk/smcr/)
31ST March 2022
Operational Resilience’s first deadline is approaching fast. By that date, the UK financial sector and all the firms designated by the authorities must have concluded their implementation phase and drafted a plan for the upcoming 3 years. The aim of this regulation is to ensure that the sector is able to prevent, adapt, respond to, recover and learn from operational disruptions, setting a minimum standard to which the final customers are not negatively impacted by service interruption.
The Background
The regulation has been issued by the Bank of England, together with the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA). The discussion started in 2018 and this year they have released the policy statement and all the rules that firms have to follow in order to comply to this new regulation. What has brought the authorities to issue this regulation is the “unsecure” environment in which the financial sector operates. Unsecure in terms of the inability of firms to react to sudden, unexpected and unpredictable events. Such as a pandemic. Not being able to react properly to such events could led to failure in services and accessibility for customers to their accounts. Clients would not be protected and the overall market can suffer from this instability.
Entities involved
The authorities have identified a set of firms that will be affected by this regulation, and it comprises:
- Enhanced Scope Senior Managers’ and Certification Regime (SM&CR)
- Banks
- Insurers
- Banks
- Designated investment firms
- Insurers
- Recognised Investment Exchanges
- Building societies
- Firms authorised under the PSRs 2017 or EMRs 2011
If your firm is among these, you should be preparing your draft plan to ensure the resilience of your firm in adverse moments.
Next steps
In order to comply to the regulation, firms must draft the implementation plan that will be validated during the second phase of the Operational Resilience, that will come into force on 1st April 2022 and will last 3 years, ending on 31st March 2025.
To draft the plan, firms have to detect their Important Business Services (IBS), map all of these and set thresholds in which firms will be able to react and restore their IBS, to ensure operability to their customers.
Setting the thresholds will help firms measuring and estimating their ability to respond to many different scenarios that might hit and impact their businesses. This 3-year span time would give firms the possibility to test their systems and their ability to react, to be resilient, and update in case of necessity their thresholds or systems. In fact, once the Implementation Phase is over, hence starting 1st April 2025, firms must guarantee that the thresholds set can be met.
So, are you ready for Operational Resilience?
Soon, we will launch a survey to investigate the state of the market. Get ready to respond! You will receive a vademecum on Operational Resilience and all its details to help you meet the goals.
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### The Rise and Rise of Regtech
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### SM&CR: Have you kept your Statement of Responsibilities (SoR) up to date?
[](/owintalk/smcr-have-you-kept-your-statement-of-responsibilities-sor-up-to-date/)
**Categories:** #Regtech, #Smcr, Blog, Regulation
---
### [Technology Tech-Driven Evolution and Challenges in Wealth Management: Happening Today, Impacting Tomorrow](https://objectway.com/tech-driven-evolution-and-challenges-in-wealth-management-for-2023-and-beyond/)
**Published:** November 20, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Gartner® report Top 10 Technology Trends for Wealth Management in 2023 recommends that CIOs leverage emerging technology trends to optimize their operations
**Content:**
###### November 06, 2023
# Tech-Driven Evolution and Challenges in Wealth Management: Happening Today, Impacting Tomorrow
[Marianna Vilardi](https://linkedin.com/in/marianna-vilardi-1bb057163/)
Senior Marketing Content Creator
Regulation
[\#HybridAdvisory](/hybrid-advisory/)[\#DigitalAdvisory](/digital-advisory/)[\#Hyperpersonalisation](/hyper-personalisation/)[\#Artificialintelligence](/artificial-intelligence/)[\#Automation](/automation/)
*Wealth management firms face challenges from emerging competitors, client expectations for personalized advice and economic volatility that will strain advisors’ capacity to support clients,* according to Gartner
Gartner report Top 10 Technology Trends for Wealth Management in 2023 recommends that Chief Information Officers (CIOs) leverage emerging technology trends to optimize their operations for the present and innovate for the future. Three critical categories are outlined for consideration:
According to Gartner, the trends are grouped into three categories:
Adopt: More immediate and represent technology that is mature and has mainstream adoption. These technologies should be purchased and deployed in all affected business units to keep a competitive advantage or drive and support digital transformation.
Trial: First proof-of-concept initiatives. These technologies should be tested or underway in select business units that would be affected the most. Whether they succeed or fail, these technologies will provide insight into potential business impacts and into whether they should be expanded across the organization.
Assess: Emerging technology trends that should be evaluated with the R&D and innovation teams, since they may not be fully mature in the wealth management industry. The firm should assess these trends given their potential transformational impact.
Category #1: Adopt – Implementing Established Solutions
One notable innovation within this category is the emergence of all-in-one advisor desktop platforms. According to Gartner
*All-in-one advisor desktop platforms include many, if not all, of the individual technologies advisors use daily. These platforms are intended to automate the advisor workflow in a single application experience. Perhaps most importantly, these tools reduce advisors’ participation in mundane, low-value activities and enable them to focus on higher-value-added work to create a more personalized client service.*
*Deploying an all-in-one advisor desktop platform supports increased individual advisors’ productivity and capability to support more clients. This shift supports AUM growth by adding new clients without adding headcount. All-in-one advisor desktop platforms can also contribute to cost-efficiency and reducing manual errors while ensuring legal and regulatory compliance*, reports Gartner.
*Digital client experience technologies were cited by more wealth management CIOs participating in the 2022 Gartner Financial Services Technology Survey as essential for creating a more holistic view of the client and providing a scalable, personalized service than any other capability or technology included in the survey.*
Gartner lays down the following top five areas where wealth management CIOs anticipate hyperscale cloud services will have an impact:
- Improve quality and operational excellence (44%)
- Increase cost-efficiency (44%)
- Ensure business continuity (42%)
- Improve speed to market (39%)
- Increase innovation (35%)
For several years, wealth management firms have migrated some applications to the cloud (e.g., CRM, financial planning, portfolio management). They are now looking to move core accounting platforms, workflows and a much larger percentage of IT functionality into public clouds at a faster pace to improve operational excellence and increase cost-efficiency.
*Wealth management CIOs working with hyperscale cloud providers can increase the speed, agility and flexibility to develop and deploy innovative solutions, and they can do so in a cost-effective and secure manner.*
On the backdrop of it all, the wealth management industry is increasingly focusing on ESG and CSR investing.
*Clients are looking to define the value of their investments beyond immediately quantified returns and to include a measurable, positive impact on ESG behaviors* states Gartner,
but further adds,
*This expanded definition of value may conflict with the firm’s fiduciary responsibilities to invest in the client’s best interest. This acknowledgment will require firms to ensure clients understand the incremental risks that may be associated with including ESG and or CSR in client portfolios.*
To address this shift, Gartner recommends the following actions:
- Work with your compliance and risk teams to identify and address evolving regulatory standards around your firm’s and advisors’ fiduciary responsibilities.
- Work with advisors and their teams to develop a standardized process to capture clients’ ESG preferences included in their investment policy statements.
Last but surely not least, Chief Information Officers in wealth management are increasingly focused on harnessing the potential of AI to enhance the customer experience and drive innovation. Establishing an AI Center of Excellence serves as a hub for collecting and centralizing AI expertise, simplifying the creation of an enterprise-wide AI strategy, encompassing use cases, deployment plans, and governance.
Category #2: Trial – Exploring Innovative Technologies
First on the list, low-code development technologies offer an offer an exciting opportunity to connect your firm with clients in a unique way. According to Gartner
*Rather than a technical coding environment, low-code operates in a model-driven, drag-and-drop interface. This setup enables users without a technical background to participate in the app development process. By incorporating drag-and-drop capabilities and intuitive visual user interfaces, low-code increases productivity for traditional software developers.*
*Low-code capabilities are long-term trends in software, accelerated by SaaS, APIs and cloud technologies. The democratization of development and delivery is further fueling this shift. Business functions need to be more agile and adaptive through owning their own technology, data and analytics creation.*
*Using low-code development technologies can enable wealth management firms to create unique and personalized client experiences by developing client-facing applications and solutions internally rather than outsourcing.*
Also
*Low-code development technologies can increase wealth management firms’ ability to develop and deliver new products.*
Generational shifts in the client base have introduced complexity in managing diverse expectations across various age groups. To address this challenge, many organizations are embracing business-driven hyperautomation.
*Hyperautomation involves the orchestrated use of multiple technologies, tools or platforms to achieve business results. These solutions include, but are not limited to, AI, ML, event-driven software architecture, robotic process automation (RPA), integrated platform as a service and process/task automation tools*, explains Gartner.
By adopting hyperautomation, CIOs can empower clients to handle routine tasks independently, mitigating the impact of talent shortages. Additionally, according to Gartner:
*Hyperautomation can increase advisors’ capacity without reducing profitability. This approach can also give wealth management firms greater ability to upskill and nurture advisor talent, which is critical in light of current talent scarcity, especially in the apprenticeship model that many wealth management firms follow.*
Category #3: Assess – Navigating Emerging Technologies
The emergence of advanced AI models such as GPT-4 and Dall-E 2 has been a focal point of interest. As reported by Gartner,
*Models such as GPT-4 and Dall-E 2 have garnered the attention of wealth management executives as well as vendors, who see the potential for these models to augment human intelligence and create innovative insights that will redefine the wealth management industry’s value proposition.*
It further states an implication
*Foundation models pose significant risks, such as downstream bias, “hallucinations” (making up facts) and toxicity, unclear legal indemnification, broader risks around potential misuse, and concentrating power in a few large technology companies.*
A fundamental understanding in this context is that
*Emerging AI capabilities are not stand-alone tools and are best thought of as a means to augment and potentially improve human capabilities,* says Gartner.
It adds
*AI models can be unreliable; nevertheless, there is significant potential to use these tools to enable wealth advisors to have more meaningful conversations with their clients by developing insights across more sources, information and client data.*
Keeping up with personalization requests,
*Today, IoT is an enabler and accelerator for digital transformation of enterprises. IoT, through assets with embedded technology to communicate and sense/interact with their internal states or external environment, enables enterprises to improve business processes and enhance decisions with real-time information,* articulates Gartner.
As clients progressively integrate smart devices into various facets of their lives, the data generated by these devices can be harnessed to offer hyper-personalized and contextualized solutions.
*Recent concerns around fiat currencies, inflation, supply chain disruption and the potentially precarious state of banking have once again called attention to cryptocurrencies as a viable alternative asset class. Investors, especially younger clients, increasingly view cryptocurrencies as a viable asset class for potential returns and diversification*, says Gartner.
However
*Regulation, not demand, will determine the degree to which wealth management organizations will support cryptocurrencies in client accounts. Most wealth management firms are reluctant to support individuals’ investment in cryptocurrencies given their volatility and lack of transparency in many of the exchanges.*
Gartner suggest
*Working with the investment management and compliance teams to outline and understand the challenges associated with supporting this asset class, along with monitoring the evolution of compliance and regulatory requirements for fiduciaries allocating crypto assets to client accounts.*
Much more is explored in the @Gartner® report Top 10 Technology Trends for Wealth Management in 2023.
[Get immediate access to the Gartner® report!](https://www.objectway.com/downloadgartner/) Objectway offers you a complimentary copy.
*Gartner, Top 10 Technology Trends for Wealth Management in 2023, Chuck Thomas, 23 June 2023.*
*GARTNER is a registered trademark and service mark of Gartner, Inc. and/or its affiliates in the U.S. and internationally and is used herein with permission. All rights reserved.*
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**Categories:** #ArtificialIntelligence, #Automation, #DigitalAdvisory, #HybridAdvisory, #HyperPersonalisation, Blog, Technology
---
### [Technology Chi è il cliente wealth oggi e come sarà quello di domani](https://objectway.com/convergence-of-technology-and-sustainability-the-key-role-of-the-private-banker/)
**Published:** November 7, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Tech evolution transforms wealth management. Younger clients drive innovation. Private bankers crucial. Sustainable investments gain attention.
**Content:**
###### November 07, 2023
# Chi è il cliente wealth oggi e come sarà quello di domani
[Paolo Cacciabue](https://www.linkedin.com/in/paolocacciabue/)
Senior Business Development Manager at Objectway
Regulation
- [ENG](#tab-1750785077347-2)
- [ITA](#tab-1750785077385-0)
[\#Sustainability](/owintalk/sustainability/)[\#DigitalEngagement](/owintalk/-digital-engagement/)[\#Esg](/owintalk/esg/)[\#ClientCommunication](/owintalk/client-communication/)
The ongoing technological evolution has certainly already modified and will further modify our usual ways of communicating, informing ourselves, and working. Even though the majority of Wealth clients belong to older age brackets and show a certain resistance to the adoption of new technologies, the new generations represent the main protagonists and users of these innovations, often contributing to their creation. Faced with this perspective, the world of Wealth has long focused on technological innovation. In particular, on the redefinition of investment strategies and aspects of client interaction and communication.
These were the topics that were discussed during the Community Event on ‘The Wealth Client of the Future’ organised by CeTIF, the Research Centre of the Università Cattolica del Sacro Cuore, and which we will elaborate on below.
Convergence of Technology and Sustainability with a Key Role for the Private Banker
According to what has emerged, the most relevant aspect influencing the use of technology, compared to the direct relationship with a Private Banker, is the age of the Wealth Clientele: 35% are over 70 years old, 33% are between 58 and 70 years old, and only 7% are under 42 years old (data source: Cetif); with regards to gender distribution, over 60% are men, but female investors are growing. The age-based segmentation is confirmed by the analysis of the distribution of “investable financial value” held by Italian households (approximately 3,450 billion Euros – Source: AIPB, Credit Suisse): 31% is held by households where the “decision-maker” is over 65 years old, and 40% is held by households with decision-makers aged between 45 and 65 years old.
Further points of attention are the level of ‘digital literacy’, which has definitely increased with the pandemic but is still very low – and the impact of people’s emotional factor on financial decisions.
In the first case, indeed, the majority of the clientele uses digital channels only for monitoring their financial position or acquiring information rather than for transactional purposes.
In the second case, it has been highlighted how the personality and character of individuals can significantly influence investment choices, often neglecting or not considering purely financial aspects, which the Private Banker is able to adequately emphasise. The pandemic and new conflicts, which have resulted in significant market losses, have also amplified the emotional factor in investment decisions.
All these aspects concerning Wealth Clients, even if only briefly mentioned, serve to reaffirm what has already emerged when discussing technological innovation: the role of the Private Banker is central and fundamental in the relationship with clients. If we also consider demographic trends as an additional element of analysis, we can argue that the role of the Private Banker will remain crucial in the future.
Back to Wealth Clients, it is important to highlight the growing interest in sustainable investments, especially among the younger generations. The study published by CONSOB (“Interest in Sustainable Investments” in November 2022 – ) indicates that this interest is positively correlated with the level of education, financial stability, perceived knowledge of sustainable investments, financial and digital literacy. Conversely, interest is negatively correlated with age and risk aversion. It is worth noting that those who express the most interest in sustainable investments, even if they are less profitable, are younger individuals: 68% are between 18 and 44 years old (source: CONSOB), and they are particularly focused on ESG factors. Regarding gender, women show more interest than men.
CONSOB also found that in the next two years, there will be an [increase in interest in sustainable investments](/esg-fattori-di-sostenibilita-rischi-e-preferenze/). However, as of now, only 10% of investors have declared owning sustainable investments, mainly due to a lack of knowledge in this area and the perception of high risk and low returns.
From all the data and analysis presented, we can conclude that the current Wealth Client is older, has a relatively low level of digital literacy, prefers to maintain a relationship with a Private Banker, and is more focused on returns than the type of investment, whether sustainable or not. The future Wealth Client will use advanced technological tools, seek more information, and want an interlocutor, the Private Banker, with equally strong technological expertise and extensive knowledge of finance, especially in the field of sustainability.
[\#Sustainability](/owintalk/sustainability/)[\#DigitalEngagement](/owintalk/-digital-engagement/)[\#Esg](/owintalk/esg/)[\#ClientCommunication](/owintalk/client-communication/)
La costante evoluzione tecnologica ha certamente già modificato e modificherà ulteriormente i nostri abituali modi di comunicare, informarci, lavorare. Nonostante la maggioranza dei clienti Wealth appartenga a fasce d’età più avanzate e dimostri una certa resistenza all’adozione di nuove tecnologie, le nuove generazioni rappresentano i protagonisti e fruitori principali di tali innovazioni, spesso contribuendo in prima persona alla loro creazione. Dinanzi a questa prospettiva, come abbiamo già sottolineato in precedenza, il mondo del Wealth si è da tempo focalizzato sull’innovazione tecnologica. In particolare, si è concentrato sulla ridefinizione delle strategie di investimento e sulle modalità di interazione e comunicazione con la clientela.
Questi gli argomenti che sono stati trattati durante il Community Event sul tema “Il Cliente Wealth del futuro” organizzato da CeTIF, Il Centro di Ricerca dell’Università Cattolica del Sacro Cuore, e che approfondiremo di seguito.
Convergenza tra Tecnologia e Sostenibilità con un Ruolo Chiave per il Private Banker
Secondo quanto emerso, l’aspetto sicuramente più rilevante che condiziona l’utilizzo della tecnologia, rispetto alla relazione diretta con un Private Banker, è l’età anagrafica della Clientela Wealth: il 35% ha più di 70 anni, il 33% ha un’età compresa tra i 58 anni e i 70 anni e solo il 7% ha meno di 42 anni (fonte dei dati: Cetif); riguardo al genere, oltre 60%, sono uomini, ma gli investitori femminili sono in crescita. Tale suddivisione per fasce di età è confermata anche dall’analisi della ripartizione del “valore finanziario investibile” detenuto dalle famiglie italiane (circa 3.450 Mld di euro – Fonte AIPB, Credit Suisse): il 31% fa capo a famiglie dove il “decisore” ha più di 65 anni, il 40% ha un’età compresa tra i 45 ed i 65 anni.
Ulteriori punti di attenzione sono il livello di “alfabetizzazione digitale”, che con la pandemia è decisamente aumentato ma è ancora molto basso – e l’impatto del fattore emozionale delle persone sulle decisioni finanziarie.
Nel primo caso, infatti, la maggioranza della Clientela utilizza i canali digitali solo per monitorare la posizione o acquisire informazioni anziché a fini dispositivi. Nel secondo, si è messo in evidenza come la personalità ed il carattere dei soggetti può influenzare notevolmente le scelte di investimento trascurando, o non considerando affatto, aspetti prettamente finanziari su cui invece il Private Banker è in grado di evidenziare adeguatamente. La pandemia ed i nuovi conflitti bellici, che hanno determinato forti perdite dei mercati, hanno inoltre amplificato il peso del fattore emozionale nelle decisioni di investimento.
Tutti questi aspetti che riguardano il Cliente Wealth, anche se solo brevemente accennati, non fanno che riconfermare quanto già emerso parlando di innovazione tecnologica: il ruolo del Private Banker è centrale e fondamentale nella relazione con la Clientela. Se consideriamo anche l’andamento demografico come un ulteriore elemento di analisi possiamo sostenere che anche in futuro il ruolo del Private Banker sarà decisamente cruciale.
Tornando alla Clientela Wealth, è importante evidenziare il crescente interesse riguardo agli investimenti sostenibili, soprattutto da parte delle nuove generazioni. Lo studio pubblicato da CONSOB (“Interesse verso gli investimenti sostenibili” del novembre 2022 – ) evidenzia che tale interesse risulta positivamente correlato al livello di istruzione, alla solidità della propria situazione finanziaria, alle conoscenze percepite degli investimenti sostenibili, delle conoscenze finanziarie e digitali. Viceversa, l’interesse risulta correlato negativamente all’età ed all’avversione al rischio. Riteniamo importante evidenziare che chi esprime maggior interesse negli investimenti sostenibili, anche se meno redditizi, sono soggetti di giovane età: il 68% ha un’età compresa tra i 18 anni e i 44 anni (fonte Consob), e con particolare attenzione a fattori ESG; riguardo al genere, le donne manifestano maggior interesse rispetto agli uomini.
Sempre CONSOB, ha rilevato che [nei prossimi due anni ci sarà un incremento dell’interesse a favore di investimenti sostenibili](/esg-fattori-di-sostenibilita-rischi-e-preferenze/); però, ad oggi, solo il 10% degli investitori ha dichiarato di possedere investimenti sostenibili e ciò è dovuto soprattutto alla mancanza di conoscenze di questo comparto e, a seguire, la percezione di un rischio elevato e bassi rendimenti.
Da tutti i dati e le analisi riportate, possiamo sostenere che l’attuale Cliente Wealth ha un’età elevata, ha un livello di “alfabetizzazione digitale” piuttosto basso, predilige mantenere la relazione con un Private Banker ed è più focalizzato al rendimento che alla tipologia di investimento più o meno sostenibile; quello del futuro avrà sempre un’età elevata ma avrà un “alfabetizzazione digitale” decisamente superiore e sarà sicuramente più attento ad investimenti sostenibili, di conseguenza vorrà essere più informato e consapevole.
Possiamo, quindi, concludere che il futuro Cliente Wealth utilizzerà strumenti tecnologici evoluti, richiederà maggiori informazioni e vorrà avere un interlocutore, il Private Banker, con altrettante competenze tecnologiche ed ampie e dettagliate conoscenze finanziarie, soprattutto in ambito di sostenibilità.
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**Categories:** #ClientCommunication, #DigitalEngagement, #Esg, #Sustainability, Blog, Technology
---
### [Technology Tech-driven Transformation: Emerging Trends for Investment Managers](https://objectway.com/tech-driven-transformation-emerging-trends-for-investment-managers/)
**Published:** July 21, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Cloud techs, Hyperautomation, AI, Robotics and Sustainable Investing top technology trends that CIOs must assess for priorities, strategies and execution
**Content:**
###### July 21, 2023
# Tech-driven Transformation: Emerging Trends for Investment Managers
[Marianna Vilardi](https://linkedin.com/in/marianna-vilardi-1bb057163/)
Senior Marketing Content Creator
Regulation
[\#Automation](/automation/)[\#Cloud](/cloud-2/)[\#Customerjourney](/customerjourney/)[\#Digitalisation](/digitalisation/)
*Thriving in times of economic and social volatility requires organizations to find new ways to scale productivity, invest in innovation, and grow and retain revenue. Investment management CIOs must adopt, trial or assess these top technology trends to influence priorities, strategies and execution,* as per [Gartner](https://www.linkedin.com/company/gartner/).
According to a recent study commissioned by Objectway, the private wealth sector’s earnings forecasts for 2023 point to another year of stagnation. But despite this stalemate, banks and wealth managers increased their investments in technology by 8.5 percent last year and will probably increase them by a further 9.2 percent by the end of this year. By aligning technology investments with business goals, firms are leveraging IT as a strategic partner in navigating the challenges of an ever-changing environment.
Unlocking the Cloud’s Potential
First and foremost, the adoption of cloud technologies offers investment management firms the opportunity to leverage industry-specific cloud platforms. To ensure high operational continuity and performance, firms should rely on tech partners who are able to offer a solid experience and track record in integrated application and infrastructure management, and providing a tailor-made multi-cloud approach, exploring specialized cloud platforms for the investment industry.
The Rise of Hyperautomation & Enhancing Investment Management with AI and Robotics
According to [Gartner](https://www.linkedin.com/company/gartner/),
*Hyperautomation uses a disciplined approach to identify, vet, and automate as many business and IT processes as possible, and involves the orchestrated use of multiple technologies, tools or platforms to achieve business results. These tools include, but are not limited to, AI, machine learning (ML), robotic process automation (RPA), and event-driven software architecture, iPaaS, packaged software and process/task automation tools.*
Automation has become a strategic priority for investment management firms. Investment firms’ executives should prioritize the identification, vetting, and automation of processes to achieve business results and streamline operations.
This is undoubtedly tied to centralised AI strategies,
*As AI technologies advance, [they will reshape how investment management firms operate](/how-to-take-advantage-of-the-best-of-innovation-to-achieve-a-long-term-sustainable-growth/), communicate and make investment decisions. Rapid technology advancements and multiple priorities make it difficult for organizations to capture and sustain value from AI initiatives. Effective AI operating models leverage current investments in people, processes and technologies to help drive successful AI initiatives.*
In addition,
*Data mining and ML are becoming essential capabilities within investment firms. As firms increasingly rely on the insights resulting from these capabilities and pursue increased democratization of data, CIOs are tasked to deploy repeatable processes and standardized ML models to reduce data model risk and unintended outcomes from model development, input and output.*
Unsurprisingly then, the customer remains at the centre of firms’ viewpoint, and they can harness advanced analytics
*Is the process of collecting and analysing customer data with the goal of better understanding customer needs, viewpoints and experiences with investment products and services. It can help you increase customer engagement and customer loyalty, understand and improve your customer journey and direct internal investment as well as sales teams to take action on issues that are affecting satisfaction and loyalty.*
The journey towards Sustainable Investing is definitely one to take!
As sustainable investing gains prominence, investment firms must address growing investor interest and regulatory pressures. Players in the financial services sector should take a long-term view on investments, develop an enterprise-wide approach to sustainability, and implement an information and data strategy to measure and manage sustainability-related data effectively. In terms of ESG, firms need to measure and manage sustainability impacts, drive sustainable product and service development, and track emerging regulations. An enterprise-wide, cross-discipline approach is essential to delivering sustainability commitments.
This is just a glimpse. As [Gartner](https://www.linkedin.com/company/gartner/) states,
*Increasing revenue is the topmost business goal from a digital business strategy for investment firms.*
But
*While increasing revenue is the top priority, the need to do so efficiently through cost optimization and risk management also requires new technology approaches, such as hyperautomation, MLOps and sustainable technology.*
Much more is explored in the @Gartner® report “Top 10 Technology Trends for Investment Management CIOs in 2023”.
[Get immediate access to the Gartner® report](https://www.objectway.com/downloadgartner/)! Objectway offers you a complimentary copy.
Gartner, Top 10 Technology Trends for Investment Management CIOs in 2023, Ali Merji, 24 April 2023.
GARTNER is a registered trademark and service mark of Gartner, Inc. and/or its affiliates in the U.S. and internationally and is used herein with permission. All rights reserved.
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### Attracting IFAs assets with a digital-first advice model
[](/attracting-ifas-assets-with-a-digital-first-advice-model/)
**Categories:** #Automation, #Cloud, #CustomerJourney, #Digitalisation, Blog, Technology
---
### [Technology Technological innovations for digital wealth](https://objectway.com/technological-innovation-for-digital-wealth/)
**Published:** May 25, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Robo4Advisor & Portfolio Management, AI, the role of data in customer relationships, and how DEFI and the Metaverse are shaping the future of wealth management
**Content:**
###### MAY 25, 2023
# Technological innovations for digital wealth
[Paolo Cacciabue](https://www.linkedin.com/in/paolocacciabue/)
Senior Manager Sales Business Development
Regulation
- [ENG](#tab-1750785081384-1)
- [ITA](#tab-1750785081451-0)
[\#Automation](/automation/)[\#Artificialintelligence](/artificial-intelligence/)[\#RoboAdvisory](/robo-advisory/)[\#Blockchain](/blockchain/)
Objectway was Silver Partner for the Community Event organised by CeTIF, the Research Centre of the Università Cattolica del Sacro Cuore, on the topic ‘Disruptive technologies for a digital wealth‘. Topics such as Robo4Advisor & Portfolio Management, AI, data and customer relations, DEFI and Metaverse and their role for wealth were discussed.
Current & Future Perspectives: the heart of the matter
Technological developments over the last few decades have substantially changed the way financial services are provided, as well as the valuation and placement of movable assets.
We identify the genesis of this evolution in the early 1980s with the advent of personal computers and ATMs: until then, it was necessary to physically go to a bank branch to perform any transaction. At the end of the 1990s we experienced the next substantial technological leap: the creation of the WEB, which allowed us to access services and information remotely. And then again, a further evolution took place at the end of the 2000s with the commercialisation of smartphones and the use of apps.
These innovations, supported by the increase in the processing performance of devices (PCs, Smartphones, tablets, etc.), make it possible to access an increasingly wide range of financial services in different ways, tailored to the needs of individual customers.
In the coming years, through artificial intelligence (AI) and the Metaverse, we’ll see further innovations, especially in the way financial services are delivered and in the definition of new personalised products and services.
This trend was confirmed during the discussion held at CeTIF on the topic of ‘Disruptive Technologies for a Digital Wealth’ and by the joint research by Objectway and GlobalData presented at OWIN23; for the Wealth management, a steady increase in investments is expected in the coming years aiming at expanding services, products offered, clients and consequently profits.
Furthermore, recent investments in FinTech and particularly in Robo Advisor services, has enabled intermediaries to significantly reduce operating costs, estimated to be around 30%, and simultaneously increase the security of transactions and the transparency of risks and costs actually borne by clients; issues on which the Bank of Italy and other supervisory bodies are increasingly demanding greater evidence and clarity from intermediaries.
The WM has also begun to invest in deep learning and AI tools applied to processes in order to further increase the efficiency, scalability and profitability of the financial services offered to customers: these tools not only allow for predictive activity on market trends, but also make it possible to anticipate the decisions of individual customers and, above all, to mitigate any choices based only on emotion rather than on a complete analysis of all the factors that determine market fluctuations. The supervisory bodies are obviously analysing and verifying the use and impact of these new instruments and an EU directive will be issued shortly. In this regard, on 1 February, ESMA issued the text “Artificial intelligence in EU securities markets”, which analyses the use of AI in Asset Management, Trading and other financial areas, including rating agencies: the main risk factors identified relate to the possible description of the AI algorithms used and, above all, to the quality of the data acquired by the same algorithms.
The next evolution, already applied in other areas, will undoubtedly be the Metaverse for a new way of proposing and delivering financial services.
The Italian intermediaries who took part in the CeTIF discussion, like those I spoke with at OWIN23, do not all have the same position regarding the impact of technological evolution: some have already started to analyse and develop AI tools and are thinking about a forthcoming application of the Metaverse; on the other hand, others, as it often happens in the sector especially when it comes to large investments, are waiting to see if and what choices other intermediaries will make before defining their own objectives and directing their own investments.
However, despite the digitisation of processes and the use of new advanced technological tools, one aspect on which everyone agrees is the fundamental support that the Private Banker is able to offer clients accompanied by greater financial education and, of course, digital culture. Personally, I believe that even with the advent of the Metaverse, one will always have a Private Banker as interlocutor (albeit in virtual ‘mode’).
We can therefore summarise that the next investments by intermediaries will focus on two themes: the evolution of the means of interaction with customers, and the evolution of product catalogues and data analysis, especially in terms of data quality; all this will have to be done while always taking into account aspects of governance, transparency, customer protection, and compliance with current regulations.
Finally, I’d like to share what I emphasised at the end of the CeTIF meeting and subsequently shared with some customers at OWIN23: despite the incredible evolution of financial services and the way they are delivered, financial intermediaries have not yet taken a further step, to be pro-active by contacting the customer to anticipate his need and not wait for the customer to (perhaps) turn to them. In order to achieve this, I believe that institutions will have to envisage a further area of development: investing in ways of directly ‘triggering/activating’ the relationship with the customer in the face of a need that has not yet been expressed or considered or even assumed. This will probably be made possible by the evolution of the use of AI and the application of the Metaverse.
[\#Automation](/automation/)[\#Artificialintelligence](/artificial-intelligence/)[\#RoboAdvisory](/robo-advisory/)[\#Blockchain](/blockchain/)
Objectway è stato Silver Partner per il Community Event organizzato da CeTIF, Il Centro di Ricerca dell’Università Cattolica del Sacro Cuore, sul tema “Disruptive technologies for a digital wealth”. Si è parlato di argomenti quali Robo4Advisor & Portfolio Management, AI, dati e nella relazione con il cliente, DEFI e Metaverso ed il loro ruolo per il wealth.
Al cuore della questione: prospettive attuali e future
L’evoluzione tecnologica degli ultimi decenni ha mutato in modo sostanziale la modalità di erogazione dei servizi finanziari, nonché la valutazione ed il collocamento degli asset mobiliari.
Possiamo identificare la genesi di questa evoluzione nei primi anni ’80 con l’avvento dei personal computer e degli sportelli ATM: fino ad allora, per eseguire qualsiasi operazione era necessario recarsi fisicamente presso una filiale bancaria. Alla fine degli anni ’90 abbiamo vissuto il successivo e sostanziale salto tecnologico: la creazione del WEB che ci ha permesso di accedere da remoto a servizi ed informazioni. Ed ancora, un’ulteriore evoluzione è stata possibile alla fine degli anni 2000 con la commercializzazione degli smartphone e l’utilizzo delle App.
Tali innovazioni, supportate dall’incremento delle prestazioni elaborative dei device ( PC, Smartphone, tablet, etc.), permettono oggi di accedere con differenti modalità ad una gamma di servizi finanziari sempre più ampia e affine alle esigenze del singolo cliente.
Nei prossimi anni, tramite l’intelligenza artificiale (AI) ed il Metaverso, assisteremo ad ulteriori innovazioni soprattutto nella modalità di erogazione dei servizi finanziari e nella definizione di nuovi prodotti e servizi personalizzati.
Questa tendenza è stata confermata nel corso del confronto svolto al CeTIF tra diversi intermediari sul tema “Disruptive Technologies per un Wealth Digitale” ed anche dalla ricerca congiunta di Objectway e GlobalData presentata ad OWIN23; in particolare per il Wealth management, nei prossimi anni è previsto un incremento costante degli investimenti con l’obiettivo di ampliare i servizi, i prodotti offerti, i clienti e di conseguenza i profitti.
Inoltre, gli investimenti recenti nel FinTech ed in particolare nei servizi di Robo Advisor, hanno permesso agli intermediari di ridurre in modo sostanziale i costi operativi (si stima del 30% circa) e contestualmente incrementare la sicurezza delle transazioni, la trasparenza dei rischi e dei costi effettivamente sostenuti dalla clientela; temi, questi ultimi, su cui Banca d’Italia e gli altri Organi di Vigilanza richiedono agli intermediari sempre una maggior evidenza e chiarezza.
Il WM ha iniziato ad investire anche in strumenti di deep learning e di AI applicati ai processi al fine di incrementare ulteriormente l’efficienza, la scalabilità e la profittabilità dei servizi finanziari offerti alla clientela: questi strumenti consentono non solo di svolgere attività predittiva dell’andamento dei mercati ma permettono di anticipare le decisioni dei singoli clienti e soprattutto di mitigare eventuali scelte basate solo sull’emotività invece che da una completa analisi di tutti i fattori che determinano le fluttuazioni dei mercati. Gli Organi di Vigilanza stanno ovviamente analizzando e verificando l’utilizzo e gli impatti di questi nuovi strumenti e a breve sarà emessa una direttiva EU. Al riguardo ESMA, lo scorso 1° febbraio, ha emanato il testo “Artificial intelligence in EU securities markets” che analizza l’utilizzo dell’AI nell’Asset Management, nel Trading ed in altri ambiti finanziari, tra cui le agenzie di rating: i maggiori fattori di rischio identificati sono relativi alla possibile descrizione degli algoritmi di AI utilizzati e soprattutto alla qualità dei dati acquisiti dagli stessi algoritmi.
La prossima evoluzione, già applicata in altri ambiti, sarà indubbiamente il Metaverso per una nuova modalità di proporre ed erogare i servizi finanziari.
Gli intermediari italiani che hanno partecipato al confronto presso il CeTIF, come quelli con cui mi sono confrontato nel corso del OWIN23, non hanno tutti la stessa posizione riguardo all’impatto dell’evoluzione tecnologica: alcuni hanno già iniziato ad analizzare e sviluppare strumenti di AI e pensano ad una prossima applicazione del Metaverso; invece altri, come spesso accade nel settore, soprattutto quando si tratta di cospicui investimenti, aspettano di verificare se e quali scelte faranno altri intermediari prima di definire i propri obiettivi ed orientare i propri investimenti.
Tuttavia, nonostante la digitalizzazione dei processi e l’utilizzo di nuovi strumenti tecnologici evoluti, un aspetto su cui sono tutti concordi è il supporto fondamentale che il Private Banker è in grado di offrire clientela accompagnato da una maggior educazione finanziaria ed, ovviamente, cultura digitale. Personalmente credo che anche con l’avvento del Metaverso si avrà sempre come interlocutore un Private Banker (anche se in “modalità” virtuale).
Possiamo quindi riassumere che i prossimi investimenti degli intermediari saranno focalizzati su due temi: l’evoluzione dei mezzi di iterazione con la clientela e l’evoluzione dei cataloghi prodotti e dell’analisi dei dati, soprattutto in termini di data quality; tutto ciò dovrà avvenire tenendo sempre in conto gli aspetti di governance, trasparenza, tutela del cliente e del rispetto delle norme in vigore.
Per concludere, condivido quanto ho evidenziato al termine dell’incontro al CeTIF e successivamente condiviso anche con alcuni clienti al OWIN23: malgrado l’incredibile evoluzione dei servizi finanziari e della modalità di erogazione, gli intermediari finanziari non hanno ancora fatto un ulteriore passo, essere pro-attivi contattando il cliente per anticipare una sua esigenza e non attendere che il cliente si rivolga (forse) a loro. Per realizzare questo, ritengo che le istituzioni dovranno prevedere un ulteriore ambito di sviluppo: investire sulle modalità per “innescare / attivare” direttamente la relazione con il cliente a fronte di una sua esigenza non ancora espressa o non considerata o anche solo presunta. Ciò sarà probabilmente reso possibile dall’evoluzione dell’utilizzo del AI e l’applicazione del Metaverso.
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### Crypto assets & New Investment Opportunities
[](/crypto-assets-and-new-investments-opportunities-for-wealth-customers/)
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[](/technology-enabled-digital-change-to-future-proof-your-business/)
**Categories:** #ArtificialIntelligence, #Automation, #Blockchain, #RoboAdvisory, Blog, Technology
---
### [Technology A Digital Business Technology Roadmap: The ultimate strategic tool of the CIO](https://objectway.com/digital-business-technology-roadmap-the-strategic-cios-tool-in-gartner-report/)
**Published:** January 11, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** A digital business technology roadmap can assist a bank CIO in providing a big-picture view of impactful digital business technologies today in the future
**Content:**
###### GEN 11, 2023
# A Digital Business Technology Roadmap: The ultimate strategic tool of the CIO
[Marianna Vilardi](https://linkedin.com/in/marianna-vilardi-1bb057163/)
Senior Marketing Content Creator
Regulation
\#Digitalage\#DigitalBusiness[\#CIO](/owintalk/cio/)[\#CustomerExperience](/owintalk/customerexperience/)
The operating environment has already changed, in step with clients’ behaviour and demands. Today’s clients expect a [seamless customer experience](/technology-enabled-digital-change-to-future-proof-your-business/) that is fast and intuitive, and hybrid tools to be the standard. At the same time, technology is lowering market entry barriers, allowing a completely new breed of digital competitors to emerge, armed with innovative capabilities; FinTechs are reshaping the playing field by improving the customer experience in a variety of interactions.
Firms must adapt to changing technology by developing digital capabilities and digitally transforming their organisations, investing in new systems and infrastructure and change their business processes and models. This can involve automating processes, using data and analytics to inform decision-making, and implementing new technologies such as The Internet of Things.
A significant undertaking yes, but according to Gartner® Bank and Investment CIOs: How to Create and Apply a Digital Business Technology Roadmap, a digital business technology roadmap can assist a bank CIO in providing a big-picture view of impactful digital business technologies today and those that will be required in the future, to stay competitive in today’s rapidly changing business landscape.
As a strategic tool, a roadmap will serve as a detailed blueprint of the steps a CIO must take to achieve specific goals and objectives: e.g., the implementation of new technologies, the improvement of security and risk management, and the alignment of technology initiatives with business goals.
Tool in hand, a roadmap will foresee identifying the business goals and objectives the CIO and team will be responsible for supporting and conducting a technology audit to assess the current state of the organisation’s technology. A technology roadmap that outlines the steps needed to support the business goals and objectives – including timelines, budgets and resources required – will be developed thereafter.
At this stage, according to Gartner, current and planned technology investments need to be subdivided into five categories, notably:
- Information systems — the capabilities that enable banks to carry out their operations effectively and serve their customers;
- The Internet of Things (IoT) — the capabilities that enable machine customers to act on behalf of a human customer or organization;
- Customer experience — the capabilities connecting customers to their bank;
- Ecosystems — the capabilities that enable a network of participants who exchange and co-create products and services on a digital platform to create business value for all participants;
- Data and analytics — the information and tools to drive more effective decision-making across the bank.
Investments in each category will be then crucially sequenced by time period to properly allocate resources to the most important and impactful initiatives first. This can involve prioritizing projects and initiatives based on their potential return on investment, the level of risk involved, and their alignment with the organisation’s overall goals.
Once sequenced, the technology roadmap must be communicated to stakeholders, including the senior leadership team, IT staff, and business unit leaders. By outlining the steps and initiatives needed to achieve specific technology-related goals, the roadmap benefits the organisation in terms of a clear communication of the direction and priorities of the IT team and the organisation. For this reason, it’s a powerful communication tool, aligning the efforts of different teams and departments and ensuring that everyone is working towards the same objectives.
In addition, a roadmap can help to manage expectations and reduce uncertainty by providing a clear plan for how and when specific technology-related objectives will be achieved, building trust and confidence among stakeholders.
Finally, CIOs are required to monitor progress and adjust the roadmap as needed to ensure that the organization stays on track and meets its goals and to review and update the roadmap regularly to ensure that it remains relevant and aligned with the changing needs of the business and of customers.
The roadmap may encourage financial institutions to develop new strategic plans or to strengthen ones that are already in place and maximise their value, while gradually revealing new areas and opportunities for innovation and growth and for the development of new products and services.
As banks aims at positioning for future success, a digital business technology roadmap can therefore be the ultimate strategic tool of a CIO to make informed, strategic decisions about technology investments and drive growth and success in the digital age.
*Gartner, Bank and Investment CIOs: How to Create and Apply a Digital Business Technology Roadmap, Peter Delano, Jeff Casey, and 12 more, 26 April 2022.*
*GARTNER is a registered trademark and service mark of Gartner, Inc. and/or its affiliates in the U.S. and internationally and is used herein with permission. All rights reserved.*
**RELATED POST**
Customer Experience
### CX: A critical competitive differentiator in 2022 and beyond
[](/the-importance-of-a-customer-centric-business-model-in-wealth-management/)
Gartner
### Bank and Investment CIOs: How to Create and Apply a Digital Business Technology Roadmap
[](https://www.objectway.com/downloadgartner/)
**Categories:** #ClientExperience, Blog, Technology
---
### [Technology Crypto assets & New Investment Opportunities](https://objectway.com/crypto-assets-and-new-investments-opportunities-for-wealth-customers/)
**Published:** December 16, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway participated in the CeTIF event on the topic: Alternative investments, crypto-assets and new investment opportunities for Wealth customers.
**Content:**
###### DEC 16, 2022
# Crypto assets & New Investment Opportunities
[Paolo Cacciabue](https://www.linkedin.com/in/paolocacciabue/)
Senior Manager Sales Business Development
Regulation
- [ENG](#tab-1750785086393-10)
- [ITA](#tab-1750785086458-6)
[\#Automation](/owintalk/automation/)[\#ArtificialIntelligence](/owintalk/artificial-intelligence/)[\#Blockchain](/owintalk/blockchain/)[\#Roboadvisory](/owintalk/robo-advisory/)[\#RegTech](/owintalk/regtech/)
Objectway recently participated in the CeTIF event (Research Centre on Technologies, Innovation and Financial Services of the Catholic University) on the topic: “Alternative investments, crypto-assets and new investment opportunities for Wealth customers”.
Among the different subjects covered, there was a focus on the importance that Blockchain technology is having, the innovations brought by alternative assets in the Wealth panorama and the investment opportunities offered by institutions to its customers, with particular attention to the regulatory environment in which they are located.
Many benefits, but where’s the market in terms of Regulation?
As known, crypto activities are performed through digital exchange platforms working in a regime that is completely disconnected from the regulations (and protections) of Central Banks and States and without any supervisory body that controls the identity of those who operate, or the nature of the exchanges. A good part of these exchanges is speculative but given the absence of traceability it is also often used by criminal activities; in fact, the most delicate and difficult challenge that is being faced today is the integration and regulation of crypto assets in national and international regulatory settings.
The global cryptocurrency market has seen a sharp contraction in value, having more than halved since November 2021. Today, however, institutional investors look at crypto assets as a factor for diversifying their portfolios, increase expected returns and respond to the evolution of customers’ demands.
A few years ago, CeTIF launched a project based on Blockchain/DLT (Distributed Ledger Technologies platforms) in collaboration with some Banks and Intermediaries, with the aim of creating the first Italian ecosystem dedicated to issuing, placing, and involving Securities Token, for the alternative investment market. This model may allow intermediaries to use decentralised exchange protocols (Institutional DeFi – Decentralised Finance), in compliance with regulations that will be defined.
The platform conceived was highly appreciated by the market. However, the lack of an ad hoc regulatory profile for the start of production and the go to market had emerged. This aspect requires that this new market has to be regulated with the necessary supervision by the Supervisory Authorities.
Studies on DLT platforms, presented during the event, highlighted benefits in terms of efficiency of the financial services performed (time and cost reduction, increase in transparency and security) and risks in terms of sustainability (scalability and cyber risks), governance and supervision (identification of participants, registration and immutability of transactions).
The future of crypto assets can only evolve towards a more transparent, regulated and supervised market, based on decentralised finance (Institutional DeFi) which guarantees its security and efficiency.
More than in any other situation, for crypto assets it is necessary that supervisory and surveillance regulatory frameworks be defined at an international level to define a specific Italian regulatory framework for the related services that customers are already asking from intermediaries. This way, especially private investors and retail customers will be better protected and will be able to access this type of investment with greater guarantees.
[\#Automation](/owintalk/automation/)[\#ArtificialIntelligence](/owintalk/artificial-intelligence/)[\#Blockchain](/owintalk/blockchain/)[\#Roboadvisory](/owintalk/robo-advisory/)[\#RegTech](/owintalk/regtech/)
Objectway ha recentemente preso parte all’evento CeTIF (Centro di Ricerca su Tecnologie, Innovazione e Servizi Finanziari dell’Università Cattolica) sul tema: “Investimenti alternativi, cripto-attività e nuove opportunità di investimento per il cliente Wealth”.
Tra i diversi argomenti trattati, è stata data rilevanza all’importanza che sta assumendo la tecnologia della Blockchain, le novità portate dagli asset alternativi nel panorama Wealth e le possibilità di investimento offerte dagli istituti ai propri clienti, con particolare attenzione all’ambito normativo in cui questi si collocano.
Molti benefici, ma a che punto è il mercato in termini di Regolamentazione?
Come è noto, le cripto-attività sono eseguite attraverso piattaforme digitali di scambio che operano in un regime del tutto scollegato dalle norme (e tutele) delle Banche Centrali e degli Stati e senza alcun organo di vigilanza che controlli l’identità di chi opera, ovvero la natura degli scambi. Una buona parte di questi scambi è speculativa ma data l’assenza della tracciabilità è spesso utilizzata anche da attività criminose; infatti, la sfida più delicata e difficoltosa che si sta affrontando oggi è l’integrazione e la regolamentazione delle cripto-attività negli ambiti normativi nazionali ed internazionali.
Il mercato globale delle cripto valute ha visto una forte contrazione di valore, dal novembre 2021 si è più che dimezzato. Oggi gli investitori istituzionali guardano comunque alle cripto-attività per perseguire un fattore di diversificazione dei loro portafogli, per aumentare i ritorni attesi e soprattutto per rispondere all’evoluzione delle richieste della clientela.
Il CeTIF ha avviato da alcuni anni un progetto, con la collaborazione di alcune Banche ed Intermediari, basato su tecnologia Blockchain/DLT (piattaforme Distributed Ledger Technologies) con l’obiettivo di realizzare il tprimo ecosistema italiano dedicato a emissione, collocamento e sottoscrizione dei Security Token, per il mercato degli Alternative Investment. Questo modello può permettere agli intermediari di utilizzare protocolli di scambio decentralizzati (DeFi Istituzionali – Finanza Decentralizzata), in conformità alle normative che saranno definite.
La piattaforma ideata è stata molto apprezzata dal mercato, è emersa tuttavia la carenza di un profilo regolamentare ad hoc per l’avvio in produzione ed il go to market; tale aspetto impone che questo nuovo mercato sia normato con il necessario presidio da parte delle Autorità di vigilanza.
Alcuni studi svolti sulle piattaforme DLT e presentati nel corso dell’evento hanno evidenziato benefici in termini efficienza dei servizi finanziari svolti (riduzione di tempi e costi, incremento di trasparenza e sicurezza) pur con rischi in termini di sostenibilità (scalabilità e rischi cyber), di governance e presidio (identificazione dei partecipanti, registrazione e immutabilità delle transazioni).
Gli intermediari presenti all’evento stanno seguendo con altrettanta attenzione le evoluzioni delle cripto-attività anche per far fronte alle richieste della clientela che desidera operare su questi strumenti; alcuni hanno già iniziato a offrire servizi malgrado vi siano comunque aspetti non ancora chiari e definiti (ad es. applicazione fiscalità).
Il futuro delle cripto-attività non può che evolvere verso un mercato più trasparente, regolamentato e presidiato, basato su finanza decentralizzata (DeFi Istituzionali) che ne garantiscano sicurezza ed efficienza.
Più che in ogni altra situazione, per le cripto-attività è necessario che a livello internazionale siano definiti dei framework regolamentari di supervisione e sorveglianza al fine di definire un quadro normativo italiano specifico per i relativi servizi che la clientela sta già chiedendo agli intermediari; in tal modo soprattutto gli investitori privati e la clientela retail saranno maggiormente tutelati e potranno accedere con maggiori garanzie a questo tipo di investimenti.
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**Categories:** #ArtificialIntelligence, #Automation, #Blockchain, #Regtech, #RoboAdvisory, Blog, Technology
---
### [Technology No API, No Party. A new Shakespearean drama?](https://objectway.com/no-api-no-party-a-new-shakespearean-drama/)
**Published:** December 7, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** API and related technological innovations have a leading role as catalysts for a digital transformation and carry benefits for Wealth Management
**Content:**
###### DEC 07, 2021
# No API, No Party. A new Shakespearean drama?
Lorenzo Pagnin
Client Solution Director
Regulation
[\#OpenAPI](/owintalk/openapi/)[\#OpenFinance](/owintalk/openfinance/)
There are several authoritative articles presenting the innovations introduced by Open Banking and PSD2 and describing the push to openness brought about by these initiatives.
In this post, stimulated by the profound reflections on the words of the great writer William Shakespeare, we want to bring out the leading role of Application Program Interfaces (API) and related technological innovations as catalysts for a digital transformation and the benefits for Wealth Management.
To be or not to be, that is the question
The forced opening by the new compliance rules has caused some dormant but always latent dilemmas to re-emerge in the business and technology debate in different forms.
Walled Garden or Open Garden? Competition or coopetition? Is it better to close by consolidating business exclusively on internal assets or to open up through collaborations with external assets and systems that can extend the offering?
In this context, is technology a weapon to defend one’s value or a tool to expand the value outwards? Is Open Banking compliance an obligation or an opportunity?
Certainly technology should not act as the discriminating or limiting element in business positioning with respect to these dilemmas but must be able to enable the various choices, that are all valid depending on the specific business context.
It should support a position of incumbent with the need to protect its value in the face of the openness required by the regulatory and the opportunity to use the open model as a tool to optimise costs by focusing on its core business. It also should support a position of newcomers looking for a quick time to market and extension of its offering through the coopetition.
O Romeo, Romeo, wherefore art thou Romeo? Deny thy father and refuse thy name
In the eternal battle in opposition between Capulets and Montagues, the greatest value of love is forgotten and dramatically becomes the victim of a dispute over the principle and prestige of the brand. Similarly, the open model gives space to the growth of the greatest value of the business through coopetition which becomes greatly facilitated thanks to new architectural paradigms such as the display of services, Bigdata technologies, algorithms and prediction tools, etc.
Only the ability to abandon the traditional comfort zones with “closed” technologies moving towards an architecture that enables open collaboration will allow the safeguarding of the primary value of business growth.
Much Ado about Nothing!
The need to comply with the regulatory requirement of “to be open“, could drive activity (from a technological point of view) to the well-known issue of the exposure of interfaces, through functionally enriched by essential access to data, for example for account aggregation.
This interface exposure activity is already known and by many already started or carried using different mechanisms; by some with innovative blueprints that make use of, for example, API GW, Service Registry, Service Manager, Ecosystem definition and by others more traditionally leveraging on the exposure of legacy systems through Webservices or even simply asynchronous data exchange.
They are therefore all evolutions, already underway to improve the quality and time to market of the new features, which are strengthened and enhanced by regulatory requirements; can we then say “Much ado about nothing”?
In reality there is much more to this technological evolution starting from the transition to the API as true service exposure and not just interfaces, to the service mesh to ensure protection and consistency, to the possibility of aggregating different microservices including third parties, to cooperation through developer portal and, through this, enabling the possibility of creating value-added marketplaces.
Such an evolution in term of model and technology enables multiple benefits such as aggregation for customers with multiple relationships, simplifies customer loyalty by becoming one stop shops, allows small and medium financial institutions to offer their customers access to a wider range of products and enables major players to generate revenues by selling access to their core systems.
On the other hand, the significant efficiency provided by this open approach allows a higher level of democratisation both in addressing small areas of wealth without services so far due to sustainability, and in easly integrating new products from incubators.
The creation of these new holistic scenarios leads to the need and opportunity to exploit technologies capable of managing large volumes of data, to analyse and predict data through Deep Learning tools and to federate them through a ledger.
We are such stuff as dreams are made on
It may look like moving to a new “open” world could be only a dream, too distant to make it a reality due to the big changes required and too complex to allow to deliver the benefits of such opportunities.
Luckily there is always the opportunity to leverage on suitable partners with concrete experiences in such a journey and with solid technical assets to leverage on. Leveraging on such a partner satisfies compliance requirements, starts the new revenue streams of the “open” approach and gives the opportunity to “stay hungry and stay foolish”!
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### Leveraging Open APIs
to build your digital ecosystem
[](/owintalk/leveraging-open-apis-to-build-your-digital-ecosystem/)
**Categories:** #Api, #OpenFinance, Blog, Technology
---
### [Technology Leveraging robot algorithms](https://objectway.com/leveraging-robot-algorithms-2/)
**Published:** July 16, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Let's now focus on the components allowing the robot to read textual information from PDF documents, that will then be processed through algorithms.
**Content:**
###### JUL 20, 2021
# Leveraging Robot Algorithms
[Diego Vicoletti](https://www.linkedin.com/in/vicoletti/)
Product Architect
Regulation
In the previous article we introduced Robotic Process Automation (RPA) illustrating the first activities to perform to robotise a business process.
Let’s now focus on the components allowing the robot to read textual information from PDF documents, that will then be processed through algorithms. These algorithms process strings with the programming languages the chosen platform makes available, considering the selected PDF document’s structure.
Automating text reading and writing
When talking about structure, we also refer to the page and line where the strings to acquire are located along with their placement within the line and their format, which may be fixed as for dates and tax code, or variable. For example, to identify the first and last name located in the same line and before the fiscal code, the algorithm will first detect the fiscal code having a fixed format and then it will consider all the strings before it as part of the first and last name, thanks to operators who turn a string into an array of strings, concatenating strings and extracting sub-strings from additional strings.
In addition, you may need to capture non-textual information, such as images, from a PDF document. To do so, operators who locate the image are available, but care must be taken to the resolution of the screen, as a variation would lead the robot not to locate it correctly.
There are also components that write and read information in an Excel relying on the use of data structure that must be configured to exactly match rows and columns in tables. You can also read and write information to Microsoft Word, send e-mail messages using Outlook or SMTP servers, and configure the e-mail server you want to use.
Extracting textual information from images
A further case is represented by the extraction of textual information from images. To do so, companies may use components that integrate with the major OCR engines on the market. Extracted textual information has a format that differs depending on the images used in input, which are processed by implementing algorithms that use operators necessary for string extraction.
For the integration between the robot and other customised software products, the platforms available on the market provide components that rely on protocols such as REST and SOAP for message exchange. Of course, it is necessary to process these messages and use the correct data structures to manage the information they contain and that are needed in the ongoing process of robotisation. For example, in order to extract the fields that are necessary for the robot, available operators need to process the messages in REST format. Besides, you can always have connectivity issues that need to be fixed with the support of sys admins who manage network infrastructures, configuring the correct firewall rules.
RPA expert: a requested figure
Although the platforms available on the market provide tools to easily implement robots, we still need process analysis skills to robotise, to design an efficient architecture where the robot must operate, to code and test.
Thanks to the results that process robotisation has in terms of improving the efficiency and quality of business processes, RPA represents an ever-growing trend and the professional figure of RPA expert in the phases of analysis of processes to be automated, architecture design, implementation, testing and monitoring is a highly sought after figure.
**Categories:** Blog, Technology
---
### [Innovation Modernization, innovation, and transformation in Financial Services](https://objectway.com/aws-perspective-on-modernization-innovation-transformation-in-financial-servicesmodernization-innovation-and-transformation-in-financial-services/)
**Published:** July 24, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** The presentation highlighted the key aspects of modernization, innovation, and transformation in our industry.
**Content:**
###### July 24, 2023
# Modernization, innovation, and transformation in Financial Services
[Davide Balladori](https://www.linkedin.com/in/davide-balladori-570b43/)
FSI LEAD ITALY AT AWS
Innovation
[\#Hyperpersonalisation](/hyper-personalisation/)[\#Artificialintelligence](/artificial-intelligence/)[\#Cloud](/cloud-2/)[\#Sustainability](/sustainability/)
Objectway had the pleasure to host Davide Balladori, FSI Lead Italy at Amazon Web Services (AWS), who delivered a keynote at our flagship conference OWIN23, as a leading voice in Financial Services on Sustainable Innovation at Scale. The presentation highlighted the key aspects of modernization, innovation, and transformation in our industry. AWS’s prowess lies in leveraging a savvy mix of people, organization, and technology to empower individuals, reshape organizations, and harness the potential of the cloud.
As an AWS Partner, we have proudly offered our customers a unique opportunity to take full advantage of listening to all that AWS has to offer to accelerate their journey to the cloud. We joined competences to provide innovative solutions and deliver value to our mutual customers.
Discover more below, from Davide Balladori himself!
Accelerating Cloud adoption & facing challenges
The pandemic has unequivocally settled the debate on whether financial institutions should move to the cloud. Instead, customers now ask, “how fast?” financial services organizations are modernizing legacy systems to meet their evolving expectations, respond to market volatility, and reduce time-to-market. The adoption of artificial intelligence and machine learning is also on the rise, enabling companies to innovate, create new products, and gain a competitive edge. Also, customers increasingly expect on-demand customer service, targeted products, and consistent omni-channel experiences. To remain competitive and achieve optimal customer engagement, financial institutions must therefore deliver relevant and [responsible personalization](/hyper-personalisation-a-journey-deep-into-customers-mind/).
Still, as the financial services industry shifts to the cloud, it faces a multitude of challenges, including constantly evolving regulatory requirements, dynamic security threats, stringent reporting and documentation demands, and a scarcity of cloud security and compliance specialists. AWS addresses these challenges by collaborating directly with technology partners, financial institutions and regulators to enable secure and compliant adoption of its services.
AWS’ approach to Sustainability & Innovation
AWS not only excels in technology but also demonstrates a strong commitment to sustainability, to have something lasting strategically and build for decades from now. Amazon has undertaken numerous renewable energy projects worldwide, making it the largest corporate purchaser of renewable energy globally. By integrating power optimization, leveraging efficient servers, and employing innovative cooling systems, AWS achieves higher energy efficiency and reduced environmental impact.
This aligns with AWS’ customer-centric approach to innovation; our unique approach to innovation begins with the customer. By identifying unexpressed needs or well-defined requirements, AWS works backwards to develop solutions.
Scaling Innovation: The elements of success in Amazon and AWS
The 4 key elements of Mechanism, Culture, Architecture, and Organization drive innovation in Amazon and AWS. Mechanism replaces rigid processes, enabling change and continuous improvement. The customer-obsessed culture fosters entrepreneurship and diversity. Agile architecture, through microservices and self-service artifacts, facilitates prototyping and scalability. The unique organizational structure ensures customer-centricity and flexibility.
AWS drives innovation by prioritizing customer success. Through digital innovation, AWS inspires and guides customers to focus on their objectives, leveraging the cloud as an enabler. However, cloud adoption goes beyond technology; it involves cloud-powered organizational change.
Each organization’s cloud journey is unique. To succeed in the transformation, you’ll need to envision your desired target state, understand your cloud readiness, and adopt an agile approach to closing the gaps, which 99% of times are not related to technology but are driven by people and organization and their associated attitude and capability to innovate.
The AWS Cloud Adoption Framework (CAF) outlines a value chain where technological, process, organizational, and product transformations are interconnected. The six perspectives of such framework – Business, People, Governance, Platform, Security, and Operations – encompass capabilities crucial for a successful cloud transformation journey.
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### Money can’t buy happiness…but Cloud can
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**Categories:** #ArtificialIntelligence, #Cloud, #Sustainability, Blog, Innovation
---
### [Innovation ESG and Sustainable Investing at OWIN23: Insights from a panel discussion on Offering Evolution](https://objectway.com/navigating-the-complexities-of-esg-and-sustainable-investing-owin23-panel-on-offering-evolution/)
**Published:** July 26, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** ESG and Sustainable Investing are standard considerations when it comes to asset allocation.
**Content:**
###### July 26, 2023
# ESG and Sustainable Investing at OWIN23: Insights from a panel discussion on Offering Evolution
[Objectway](https://www.linkedin.com/company/objectway/mycompany/verification/)
Innovation
[\#OfferingEvolution](/offering-evolution/)[\#Esg](/esg/)[\#ClientCommunication](/clientcommunication/))
In this captivating panel discussion led by Roberto Ferrari, Digital Reinvention Community Leader at Qorus, industry experts and Objectway clients investigated the dynamic and ever-changing landscape of ESG and Sustainable Investing.
Joining the conversation on the stage of OWIN23 were prominent figures such as Stefano Rossi, CEO at Euclidea, Elisabete Pinto Pereira, Deputy Executive Director at Novobanco, Ivo Darnley, Managing Director at Rathbones, and Laurits Louis-Serup Kjaergaard, Business Development Manager at Investering & Tryghed.
Navigating the Complexities of ESG and Sustainable Investing
ESG and Sustainable Investing are fast becoming standard considerations when it comes to asset allocation. However, there is an educational angle to consider, not least that ESG and RI considerations do not come at the expense of returns; instead, a company that scores well on ESG and RI is more likely to yield returns.
In Italy, at least, one of the issues is that cost is quite opaque. Therefore, transparency and a balance when it comes to the cost of a proposition is key.
[Stefano Rossi](https://www.linkedin.com/in/stefano-rossi-941166163/), Chief Executive Officer at Euclidea, comments:
*In my mind, having the right amount of cost, vis-a-vis the products and the portfolios that you’re running for clients, is a huge theme for sustainability in the medium and long term. If portfolios are overcharged, and the cost is too high, clients don’t make money, they get tired and do something else with their savings which makes it detrimental to performance.*
*Our model is simplicity and transparency. It means building trust – without that, there is no banking,* Rossi adds.
Indeed, implementing ESG preferences as part of the overall investment process has been a challenge. [Elisabete Pinto Pereira](https://www.linkedin.com/in/elisabete-pinto-pereira-1969b31/), Deputy Executive Director at Novobanco, says that the biggest issue is the complex concept itself for advisory and managed accounts business clients at her firm.
*The biggest issue is incorporating the concept of ESG and using the best taxonomy to make things explainable and understandable to allow for informed decision-making. I think it would be very beneficial if we had a standard and plain language that is accessible and easier to understand to better frame and understand the options.*
*Eventually, it’s all about customers and people. You want to give clients the best service, which means making sure they understand* she says.
Indeed, a lack of cohesive and standard data is an issue.
[Ivo Darnley](https://www.linkedin.com/in/ivo-darnley-88543747/), Managing Director at Rathbones states that MSCI, for example, recently rearranged its calibration, and other analytics companies too, such as Sustain analytics, are not using a standard method, so that makes it really hard to be accurate and compare like with when it comes to assessing and reporting.
*The terminology is evolving as well. ESG, sustainability, and responsible investing are different things, but they tend to get bundled together,* he says.
And further comments:
*It would be really helpful if the financial services community could come up with some terminology and a methodology that we all can agree on and use.*
Evolving the Offering & Integrating ESG
Knowing about the interplay between a balanced portfolio, risk and volatility, and ESG factors is a big part of that understanding.
Darnley comments:
*Integration is very important to the investment process. We aren’t going to exclude any sectors. Instead, we are trying to engage actively and with consequence. Transparency is something else we hold dear, and education plays a big part. We put all our investment managers through six hours of training and then made them sit an exam with an 80% pass rate. We made our chief executive officer do it, and our CFO do it as well*.
Darnley continues:
*We think that about 90% of our client base accepts our responsible core. We’ve got 5% of our client base in our Green Bank, so that is at the extreme at the pioneering side, and therefore we are left with this middle 5% that seemingly wants a bit more than we can give from our responsible core but do not want quite as much as our green bank offering. And so that is what we are grappling with. How do we fill that middle bit? Do we lift the whole of our clients up a bit higher?*
The relationship between returns and ESG also needs a better understanding. This is all the more so given that inflation is a big topic. There is also global geopolitical uncertainty.
[Laurits Louis-Serup Kjaergaard](https://www.linkedin.com/in/laukja/), Business Development Manager at Investering & Tryghed comments:
*We have created some new short-term bonds around the inflation issue and also introduced some alternatives so that you can have more balance than your portfolios, and this is done in the asset allocation group. We also have an [ESG group that reports to the asset allocation group](/it-partnership-journey-with-objectway-a-tale-of-collaboration-and-innovation/). So whatever decisions they make, they will double-check whatever is going on. And in both groups, we have client advisors so that they always have the client in mind when making decisions.*
Rossi adds:
*An issue with bonds is that in Italy, at least, they are associated with no risk, and so there is an educational play. Interestingly the part of our website that houses financial education received 5 million visits last year. I think financial literacy is a common issue in Europe and the regulators should be pushing institutions to do more financial education.*
Going back to customers and how they might understand sustainability, Darnley states:
*You need a balanced fund to mitigate against risk and volatility and tread the line between performance and RI. It is working through that complexity, making it simple and practical. Indeed, if you look at the individual components of ESG, then that adds up to a well-managed business – one that will give good returns. That’s an easy one to understand,* he concludes.
Rossi emphasizes the need for the industry to develop tangible and perceptible products from the perspective of final clients. He suggests that providing something visible and touchable for clients is essential, but also acknowledges that achieving this goal can be challenging.
The panel agreed that the current economic situation will not hinder capital flow into ESG products. Regulators are actively setting directives, and companies have already specific metrics and commitments to fulfil, so there is no way back. According to Kjaergaard, political pressures, incentives, and the emergence of a new demographic in the market are all strong signals for ESG investments.
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### Sustainability & Innovation in Asset & Wealth Management
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**Categories:** #ClientCommunication, #Esg, Blog, Innovation
---
### [Innovation Sustainable Innovation at scale: Journey for Wealth, Banking and Asset Management in this Decade](https://objectway.com/sustainable-innovation-a-cornerstone-for-wealth-banking-asset-management-in-this-decade/)
**Published:** September 7, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Sustainable Innovation drives economic outcomes but also addresses the pressing social and environmental challenges of our times.
**Content:**
###### September 07, 2023
# Sustainable Innovation at scale: Journey for Wealth, Banking and Asset Management in this Decade
[Roger Portnoy](https://www.linkedin.com/in/roger-portnoy-a16b67/)
CHIEF STRATEGY OFFICER AT OBJECTWAY
Innovation
[\#Sustainability](/sustainability/)[\#ClientCommunication](/clientcommunication/)[\#OpenFinance](/open-finance/))[\#ArtificialIntelligence](/artificial-intelligence/))
Sustainable Innovation has emerged as a cornerstone that not only drives economic outcomes but also addresses the pressing social and environmental challenges of our times. Rooted in the principle of creating positive economic outcomes while generating long-term social and environmental benefits, sustainable innovation has become imperative for organisations striving to thrive in a changing world and it is increasingly recognised as a key pillar that creates shareholder value, while reinforcing client loyalty and open dialogue. But where does the story begin?
Sustainable Innovation needs to be personalised to clients needs in a compliant way…
Fair to say, it starts with an almost mandatory requirement to personalise to meet clients’ needs in a compliant way. As we look ahead, a staggering 40 trillion dollars of wealth is poised to emerge from the younger generation of wealth accumulators. It’s imperative to recognise that their desires and needs differ significantly from those of baby boomers and silver surfers, who are yet still very much part of the client base. Notably, these older clients are not fading away; they are living longer and expecting more comprehensive services to maintain their lifestyles. Therefore, wealth managers are faced with the dual challenge of meeting broader client needs while ensuring compliance. What’s fascinating is that this challenge often involves catering to multiple generations within a single family. Consider the future wealth manager as someone who may be dealing with up to four generations simultaneously. This is the new reality of our industry. To thrive in this evolving landscape, understanding and effectively serving these diverse client profiles will be the key to your success.
…and should address new solution design through a multi-faceted innovation model
It’s therefore crucial to grasp the profound implications of what this means. The future demands [innovation in solution design](/unleashing-sustainable-innovation-collaboration-and-client-centricity-at-owin23/) because the clients we’ll serve won’t adhere to traditional norms that have persisted for centuries. Client perspectives on wealth generation have undergone a seismic shift. We are witnessing the democratisation of assets across the board; virtually every asset can now be accessed in some form, albeit with a level of complexity. This is the path ahead, and it necessitates innovation if we aim to cater to diverse clientele – from baby boomers to millennials and Gen Z.
When it comes to client expectations, both current and future, there are indeed some clear trends emerging: wealthier clients want your organisation to adopt broader exposure and access to illiquid and marketplace assets, while less affluent clients want your organisation to help them participate in the democratisation of alternative assets. All clients desire service delivery that predicts, anticipates, and fulfils outcomes on demands. Building trust with clients now requires a more social and peer-engaged approach, moving away from authoritative methods. F2F authorisation and decision-making events are evolving into virtual experiences, offering secure, reliable, and seamless interactions. Eventually, firms need to create, manage, and consume data and services through new investment gateways and communication channels.
… while adhering to a tougher new innovation leadership mindset
Leadership is marked by a profound shift too. In recent years, we’ve transitioned from “stop experimenting, start delivering mode” based on the assumption that the ability to deliver isn’t just a competitive advantage; it’s a matter of survival, and organisational leadership does place innovation at the forefront, but only if it aligns with the imperative to deliver.
For many of you, this means that your primary objective moving forward will revolve around innovating to better serve your existing clients. Achieving this demands the development, execution, and maintenance of superior skills in rationalisation, integration, and data/process migration. To truly drive long-term innovation, consider adopting a strategic approach that focuses on sustainability across your organisation through initiatives that are easily understandable and measurable.
At the end of the day, sustainable innovation should be geared toward achieving four key objectives, that are ever-present, now and in the future:
1. Lower Middle and Back Office costs while improving scale;
2. Accelerate growth through higher asset flows connected to sustainable and recurrent fee models;
3. Boost Performance and Flexibility to broaden appeal and visibility to specific demographic cohorts;
4. Widen Resilient Distribution channels to centralized solutions.
Innovation Lessons: Do’s & Don’ts
Embarking on the path to sustainable innovation is an exciting journey, but it’s not without its challenges and risks. Innovation programs often stumble and fall when organisations:
1. Reinvest in Legacy Process & Workflow: to foster innovation, it’s crucial to break free from the constraints of outdated processes and workflows but rather embrace new thinking and adapt to a fresh approach.
2. Ignore maintaining a project risk register: Innovation inherently involves risk, and failing to create and maintain a comprehensive risk register can lead to project performance issues and ultimately project failure. Recognizing and managing these risks are paramount to success.
3. Underestimate Change Management planning: we all think that when we build great tech, we deliver wonderful service, we implement cloud, voilà, all of you become users! But the reality is a small number of you become users and the rest of you become adopters over many generations of usership. Why does that happen and why does it lead to ineffective outcome? Because you don’t invest in change management. You need to start your project on a change management philosophy.
But there are ways of addressing these to achieve success. Innovation programmes can deliver great results when organizations:
1. Play to their firm’s strengths during the design stage
2. Build ROI metric on multiple levels beyond purely financial metrics
3. Share risk with partners who understand their business
4. Innovate incrementally based on OKRs
5. Apply continuous quality assurance
Opportunities in this decade
As we look ahead, it’s imperative to discern the fundamental themes propelling our journey towards innovation. First and foremost, data reigns supreme. The sheer volume of information at our disposal is unparalleled, and harnessing its power will be pivotal. Data is not just the new currency; it’s the cornerstone upon which future wealth management strategies will be built. Digital assets have firmly entrenched themselves in the financial ecosystem and are here to stay. Artificial Intelligence will “at last” play a significant role in providing scale, personalisation and consistency. Open finance will connect ecosystems to support holistic advice for everyone and finally, in the quest for success, a steadfast commitment to sustainability is non-negotiable. A decade from now, the risk landscape will be predominantly sustainability-focused.
At Objectway, we’ve built the Innovation Diamond framework to foster collaborative innovation with our clients. This framework empowers us to run their innovation programmes with a multi-faceted approach, offering inspirational leadership that fuels continuous discovery and execution. We cultivate innovation through a service mindset and leverage data and ecosystem resources to craft unique insights that drive the evolution of solution design.
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**Categories:** #ArtificialIntelligence, #OpenFinance, #Sustainability, Blog, Innovation
---
### [Innovation How will Innovation impact the future of Wealth Management?](https://objectway.com/the-impact-of-innovation-and-technology-on-wealth-management/)
**Published:** May 7, 2025
**Author:** Lorenzo Noventa
**Excerpt:** Innovation is no longer optional. It is forcing wealth management firms to evolve fast to delivering meaningful outcomes powered by scalable solutions.
**Content:**
###### MAY 07, 2025
# How will Innovation impact the future of Wealth Management?
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
BUSINESS DEVELOPMENT DIRECTOR
innovation
[\#Artificialintelligence](/artificial-intelligence/)[\#Businessdevelopment](/businessdevelopment/)[\#ClientExperience](/clientexperience/)[\#DigitalAdvisory](/digital-advisory/)[\#FrontOffice](/front-office/)[\#Scalability](/scalability)
The convergence of changing client expectations, technological advancements and mounting regulatory demands is forcing the wealth management industry to evolve – fast. At the heart of this evolution? Innovation. Particularly, innovation powered by scalable digital solutions, data analytics and artificial intelligence. We’re not just talking about marginal improvements. We’re talking about a reinvention of how firms operate, deliver value, and stay relevant in a world that demands more – more personalisation, more transparency, and more results.
Innovation can’t wait
Across the industry, leadership teams are rethinking their strategies. As markets evolve and clients expect more and their needs grow more complex, firms are focused on two core objectives: protecting the business they have today and building a foundation for the one they’ll need tomorrow.
Retaining existing clients while managing costs has become just as vital as acquiring new ones. At the same time, there’s a push to enhance the productivity of front office teams, empowering advisors to do more with less, while maintaining the high-touch experience clients expect.
Executives are increasingly turning to technology as the catalyst for transformation, seeking ways to deliver personalisation at scale without compromising quality, build digital infrastructure that is both agile and compliant, and unlock meaningful productivity gains in the front office while deepening client trust.
The answer lies in reimagining service delivery. Firms are seeking ways to offer existing services more efficiently, to grow without being weighed down by cost or complexity. That means shifting away from legacy systems that limit agility and instead investing in architectures that are built for speed, security, and scale.
These conversations are not abstract—they’re deeply rooted in business outcomes. Whether it’s keeping clients on track to meet their goals, reducing churn, or expanding into new markets, firms understand that innovation is a strategic necessity.
Clients are changing – faster than firms
Perhaps the greatest driver of change is the client. Expectations are shifting dramatically, especially across generations. Investors over 55 tend to prioritise performance and long-term financial stability. But younger investors are demanding something else: tech-enabled experiences, sustainability-focused portfolios, and advisory relationships that reflect their values.
And those in the middle are blending both worlds – expecting convenience, affordability, and a more holistic understanding of their financial lives. Across all groups, there’s a common thread: the desire to stay on track to meet their goals, with guidance that feels relevant and responsive.
AI Adoption: A Strategic Imperative
When it comes to AI, with 82% of wealth managers planning AI implementation, the appetite for transformation is clear. Firms are allocating 5%–20% of their functional budgets to GenAI projects, and 24% of that spend is already supported by corporate funding. Why the rush? From automating administrative tasks to optimizing investment strategies, AI frees up advisors to do what they do best: build relationships and guide clients toward their goals.
But firms aren’t naive. They know innovation isn’t plug-and-play. [AI’s full potential hinges on clean, integrated, high-quality data](/balancing-innovation-and-trust-ai-role-in-future-advisory-workflows/) – and that’s still a massive pain point. A striking 70% of firms report data integration as a key obstacle. As Gartner predicts, by 2025, half of investment firms will adopt ecosystems to manage the entire data lifecycle, slashing data costs by 40%.
The opportunity is real, but challenges remain. Ethical concerns and governance, Data privacy and regulatory uncertainty, Integration with outdated systems, Shortage of mature AI solutions tailored for wealth management. However, these hurdles shouldn’t discourage adoption. Firms that proactively establish best practices, vet AI vendors, and modernise their tech stacks will lead the next wave of wealth management innovation.
The road ahead: Personalised, Scalable, Trusted
It all comes down to a future of wealth management that is:
- Personalised, and powered by AI-driven insights
- Scalable, thanks to digital platforms that serve every client segment efficiently.
- Trusted, because clients know their advisors are supported by reliable data and compliant systems.
Innovation is no longer optional. It’s the engine of growth, the enabler of trust, and the key to delivering meaningful outcomes in an increasingly complex financial landscape. Leading firms are doubling digital engagement, boosting client satisfaction, and achieving 30%+ year-over-year client growth. Advisors are managing more clients with greater efficiency, and firms are scaling fast—some tripling AUM over four years without increasing headcount. For those willing to lead with innovation, the rewards will be exponential.
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### Scalability in UK Wealth Management: Turning Challenges into Opportunities
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---
### [Objectway celebrates twelfth consecutive Goodacre Award, driven by deep client trust and long-standing partnerships](https://objectway.com/objectway-celebrates-twelfth-consecutive-goodacre-award/)
**Published:** July 1, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway has achieved its twelfth consecutive award at the Goodacre Systems in the City Fintech Awards, including a 7th consecutive win for “Best Wealth Management System.”
**Content:**
[](/news/)
View all News
# Objectway celebrates twelfth consecutive Goodacre Award, driven by deep client trust and long-standing partnerships
Seventh straight “Best Wealth Management System” title reflects enduring client confidence and recognition of Objectway’s commitment to long-term vision and innovation.
London, 1st July 2025 – Objectway, global FinTech provider of as-a-service software to banks, wealth, and asset managers, has achieved its twelfth consecutive award at the Goodacre Systems in the City Fintech Awards, including a seventh consecutive win for “Best Wealth Management System.”
These awards, presented by **Goodacre UK**, the leading specialist consultancy for the securities industry, are widely recognised as a premier endorsement of excellence for providers of systems and services to regulated financial institutions. The selection is based on a rigorous and independent accreditation process, reinforced by votes and feedback from industry professionals and clients.
To receive this recognition for twelve years in a row is truly an honour—and a testament to the trust and loyalty of our clients. These awards are especially meaningful because they’re driven by client votes and real-world outcomes. Our long-standing partnerships reflect not just satisfaction, but shared commitment to evolving together. In a time when expectations are constantly rising, this continued vote of confidence motivates us to keep delivering solutions that drive lasting value and operational excellence.
[](https://www.linkedin.com/in/sandrocassar/)### Dr. Alexander Cassar
Chief Business Development Officer, Objectway
Objectway’s consistent recognition in these awards is a tangible sign of its client-centric approach, sustained innovation, and proven ability to support wealth management firms in staying competitive, compliant, and digitally future-ready.
**Stephen Pinner, Managing director of Goodacre UK**, which has organised these Awards since they were introduced some 25 years ago said:
Objectway again celebrated success by winning the Award for Best Wealth Management System. The panel were influenced by the many references in support which emphasised many attributes and especially the quality and reliability of their software. Well done to the Objectway team!
[](https://www.linkedin.com/in/stephen-pinner-148aa48/)### Stephen Pinner
Managing Director, Goodacre UK
## Related
[All](#)[\#compeer](#)[\#customerexperience](#)[\#financialservices](#)[\#markettrends](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
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**Categories:** Awards
**Tags:** #digital-transformation, #financialservices, #innovation, #wealth-management, #wealth-management-trends
---
### [Digital Transformation Technology-enabled digital change to future-proof your business](https://objectway.com/technology-enabled-digital-change-to-future-proof-your-business/)
**Published:** July 14, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Digital engagement as part of an integrated hybrid experience from clients, and the perennial need to update systems to enable scalability.
**Content:**
###### JUL 14, 2022
# Technology-enabled digital change to future-proof your business
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
Director Of Client Services at Objectway
Digital Transformation
[\#DigitalChange](/owintalk/digitalchange/)[\#Digitalisation](/owintalk/digitalisation/)[\#ClientExperience ](/owintalk/clientexperience/)[\#CeoTalk](/owintalk/ceo-talk/)
Objectway discussed the state of the industry and how technology will enable change in wealth management at the recent CEO dinner organised by PAM. Many topics were debated ranging from how the industry may need to cope with the spectre of falling markets – after many years of record revenues and growth -, the increasing demand for improved digital engagement as part of an hybrid experienceintegrated from clients, and the perennial need to update systems to enable scalability– a metric which eludes most firms if measured year on year.
There was considerable optimism within the group with regards to changes which will deliver a positive impact; most firms are already well underway with their digital change agenda and have highlighted their priorities for the coming 12 months. These include changing and upgrading legacy systems with an emphasis of integrating them into the current architecture but also with a keen eye on future proofing the business. An example of this is the desire to create an open scalable platform which will make it much easier to introduce new offerings or services without the need for constant major IT changes. Another priority is improving [client portals](https://www.objectway.com/portal-and-apps-platform-for-wealth-and-investment-sevices-segment/) to allow for real time access of tailored information on any device at anytime. Indeed, client service is a real differentiator between firms and a major driver of referrals which are still one of the most effective ways that firms grow in our industry.
Interestingly, the group had mixed views on the burden of regulation and how much this sucks up resource and costs. On the whole, everyone agreed for the need of sensible regulation to protect clients however there was also a view that the regulation is often over engineered and aimed for a retail client market which isn’t always applicable to wealth management clients.
As a result, clients are also frustrated at having to constantly fill out paperwork to adhere to mandatory regulatory reviews. The group acknowledged that automation in the front office and real time risk alerts had certainly made life easier for Investment managers in terms of administrative burden and some elements of self service on client portals would do the same for clients.
Overall, there is much to be done to improve key metrics in wealth management and CEOs are braced for a potentially bumpy ride in the times ahead but very positive on the general outlook for the industry and how technology can enable positive change.
**RELATED POST**
Digital Transformation
### Forecasting the future: How and why will technology enable change in the Wealth Management sector?
[](/forecasting-the-future-how-and-why-will-technology-enable-change-in-the-wealth-management-sector/)
Research
### Forecasting the future: technology and investment in wealth management
[](https://www.objectway.com/download-research-forecasting-the-future-technology-and-investment-in-wealth-management/)
Digital Transformation
### Unlocking the future potential from WealthTech
[](/unlocking-the-future-potential-from-wealthtech/)
**Categories:** #CeoTalk, #ClientExperience, #DigitalChange, #Digitalisation, Blog, Digital Transformation
---
### [Digital Transformation Operational Efficiency: a positive effect on the bottom line](https://objectway.com/operational-efficiency-a-positive-effect-on-the-bottom-line-the-wealthtech-report-2023/)
**Published:** February 13, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** The wealth managers that make the best use of technology can significantly add to their bottom line through operational efficiency
**Content:**
###### FEB 13, 2023
# Operational Efficiency: a positive effect on the bottom line
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
Director Of Client Services at Objectway
Digital Transformation
[\#DigitalChange](/owintalk/digitalchange/)[\#Digitalisation](/owintalk/digitalisation/)[\#ClientExperience ](/owintalk/clientxexperience/)
Objectway features The Wealth Mosaic WealthTech 2023 Report looking at how technology has a beneficial impact on operational efficiency, adding positively to the bottom line.
It is well known that wealth management massively varies in terms of [operational efficiency](/front-office-efficiency-and-intergenerational-wealth-retention-through-digital-change/). One of the biggest influences is the extent to which they grapple with legacy systems that do not speak to each other and often end up creating more issues than they actually solve.
The result is that operating with these legacy systems creates a whole efficiency drag. The effect can be seen on the business as a whole and the individual adviser. An inefficient firm means inefficient processes, time-consuming manual administration tasks, prone to error and taking the adviser away from the primary job of nurturing relationships and providing a value added customer experience.
Operational efficiency frees the adviser to spend more time with clients, and we have seen an increase in productivity as measured by the front office being able to manage 25% more in AUM without increasing headcount. In addition, having the right technology also incentivises attracting and retaining advisers and managers. If an adviser can better serve more clients at a time, then the AUM should increase, which adds to the firm’s bottom line and the adviser’s incentive package.
Technology is the enabler
But efficiency is not just at the front end; it relies on the systems and data underneath to serve up data and information, as well as suggestions on what to do next, whom to contact, and what to say. Thus, middle-and-back office efficiency when it comes to process and data are also critical.
Technology can play a massive role in solving these issues, providing straight-through processing, automation, data management, process integration, and streamlining.
Wealth managers know this, and they are starting to act on it. We think up to seven out of ten of wealth managers are now actively changing systems either by prioritising areas of the business that are in need and can be most efficiently and effectively changed or by adopting a big-bang solution.
Spending both time and money on IT in a targeted and task specific way to bolster operational efficiency is worthwhile. If change is implemented with specific, measurable goals, a positive correlation emerges between spending and profit levels.
A Case study on how to become a leading digitally-enabled wealth manager
Our client was on a mission to become a leading advice focused, a digitally-enabled wealth manager in the UK. The objective was to expand the target market by prioritising and accelerating the digital agenda to meet the new generations’ demand and increased digital expectations.
Key strategic priorities included developing an operationally efficient, and client-centric online experience that served and connected anytime, anywhere; increasing adviser efficiency with more client face-time and increased share-of-wallet; building a scalable and flexible platform for sustainable long-term growth.
The three phase process started by deploying the portfolio management component to serve advisers with insights, and relevant and actionable information to respond to client preferences with a personalised advisory service. The following phase focused on empowering clients to access investment information through an omnichannel digital experience platform. It comes along with holistic support of client lifecycle management and onboarding, including ongoing service delivery with suitability reviews and periodic and ad-hoc events.
The end result was that the firm was able to increase AUM by 25% and improve adviser capacity by 25%.
The customer now has the opportunity to achieve the desired goals in terms of growth, relevance, and efficiency and to continue developing their client experience, providing more choices for more clients, and enhancing a culture they are proud of.
[Read the full report in collaboration with The Wealth Mosaic.](https://www.objectway.com/download-the-wealthtech-annual-report-2023/)
**RELATED POST**
Case Study
### How to become a leading, digitally-enabled wealth manager
[](https://www.objectway.com/download-case-study-how-to-become-a-leading-digitally-enabled-wealth-manager/)
ANALYST RESEARCH
### Using digital change to enable front-office scalability
[](https://www.objectway.com/download-research-using-digital-change-to-enable-front-office-scalability/)
**Categories:** #ClientExperience, #DigitalChange, #Digitalisation, Blog, Digital Transformation
---
### [Digital Transformation Business Reconfiguration at OWIN23: Insights from a panel discussion](https://objectway.com/business-reconfiguration-panel-at-owin23-insights-and-main-drivers/)
**Published:** September 13, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** nvestigating cusiness reconfiguration and cloud migration drivers, challenges, and success factors like trust, a clear roadmaps and internal culture
**Content:**
###### September 13, 2023
# Business Reconfiguration at OWIN23: Insights from a panel discussion
[Marianna Vilardi](https://linkedin.com/in/marianna-vilardi-1bb057163/)
Senior Marketing Content Creator
Digital Transformation
[\#CustomerConference](/customer-conference/)[\#Cloud](/cloud-2/)[\#ClientCommunication](/clientcommunication/))[\#Digitalisation](/digitalisation/))
In this lively panel discussion, industry experts and Objectway clients investigated the challenges and rewards associated with Business Reconfiguration.
What do firms want to achieve when it comes to business reconfiguration and what are the drivers in the first place? Are there broad industry wide themes or is each firm unique? And what are the considerations and processes to be included when it comes to successful reconfiguration? That was the focus of this panel discussion led by Stephen Wall, Founder of The Wealth Mosaic.
Joining the conversation on the stage of OWIN23 were prominent figures such as Mary Pieterse-Bloem, Head of Investment Office at Rabobank, Maarten De Clerck, Head of Product Development at KBC Securities Services, Davide Balladori, FSI Lead Italy at AWS and Paul Timmermans, Member of the Management Committee at Van Lanschot Kempen.
Get your migration done before you start any Innovation!
Panellists firstly thought that migrating technology was a first step with innovation on top of that following after. A key part of migration is moving into the cloud.
*Our absolute first top priority right now is to do a migration of two key systems that are basically underpinning almost our entire infrastructure. We are moving everything into the cloud and moving to a set up that is a lot more modular. That will mean we can be flexible and adaptable and so then we can start our innovation process.*
– [Mary Pieterse-Bloem](https://www.linkedin.com/in/marypietersebloem/), Head of Investment Office at Rabobank
She emphasised the focus on the client servicing part to be personal and relevant and to be there for your client when there is a need, together with the importance of creating a symbiosis between the human and the digital part.
*From 2015 we have had a strategy to become a cloud user. The drivers were scalability, speediness and efficiency in terms of everyone working from the same platform. We have since added sustainability into the list of drivers. We have been taking systems – CRM system, a core banking system, portfolio management system and so on – one by one and moving into the cloud.*
– [Paul Timmermans](https://www.linkedin.com/in/paul-timmermans-5b099321/), Member of the Management Committee at Van Lanschot Kempen
In terms of the leading drivers that organisations encounter, [Davide Balladori](https://www.linkedin.com/in/davide-balladori-570b43/), FSI Lead at AWS also shared his perspective.
*It depends!* – he affirmed – *You may want to be agile, you may want to save costs, or you may have a contract that is coming to an end and you need to empty your data centre because you simply no longer have the contract. But the important thing to remember is that migration is an organisational project, so both the business and the people have to be on board. It has to be operational and organisational.*
Partnership means building together
Moving into the cloud obviously means working with new business partners and providers, but the real question is how to make an outsourcing or partnership relationship really work wonders.
*I think you need to make your internal collaborators aware that change is afoot and really actively prepare for a successful collaboration. That could mean taking your internal experts to the partner to sit together and work through all the various complexities.*
– [Maarten De Clerck](https://www.linkedin.com/in/maartendeclerck/), Head of Product Development at KBC Securities Services
It was thought that although the beginning of the contractual relationship can sometimes be a bit more sensitive, once a partnership gets going and trust has been established, the sharing of experience and expertise is a natural step to making the most of a partnership.
*Trust is so important in a strategic relationship. If the vendor does not work to gain trust, and does not understand the needs and objectives of the project then it’s less likely to succeed*, added Timmermans
Indeed there is an element of shared risk and that needs to be acknowledged by both parties for an optimal relationship and best outcomes. Being aware of potential challenges is also crucial.
Pieterse-Bloem comments:
*One of the biggest challenges is the regulatory part because the regulator has a habit of flooding us with wave after wave after wave of regulation. Secondly, it’s the strategic choice of what to outsource and what to keep in house, and there the opinions tend to differ between the business side and IT side. Thirdly you have to deal with compliance, which gets really uneasy about sending big amounts of client data outside of the bank and back, so there is a lot of convincing to do. And fourthly, if you decide to outsource you have to run a beauty parade. But I personally do see a lot of benefits with outsourcing. Anything that anybody outside of your organization can do better. You should outsource in my view.*
From that perspective having an iterative process where there is trust between the vendor and the wealth manager and where the development processes ensures that everything remains safe and completely closed up, a shared responsibility model, is key.
This is something that can be incorporated into a big RFP but is trickier when working with third-parties on a project-by-project basis, adding in specific APIs to solve a particular pain point – as is popular in a model of ecosystems and components.
Bringing together two entities is another challenge as is the case with Van Lanschot Kempen and Mercier Mercier Vanderlinden. Timmermans explained:
*We are a bank so they have to adapt to the banking standards. And that’s a challenge. Because you don’t want to lose the success of both entities. They are also coming with a low cost/ income ratio whereas ours is higher and the aim is to bring that together and to reduce that cost of income overall.*
Indeed the panel thought that having a clear idea of the business as it looks now and what it will look like once the transformation has occurred is the crucial starting point. As important is how that will evolve going forward rather than starting from scratch again and again.
De Clerck commented:
*Once that is done you just have to go ahead and be prepared to do the work and put your mind to it with the right internal culture and buy in and the right external partners, that would be my take on this.*
Planning for evolution and having a clear roadmap a firm can essentially enable its own future for the short, medium, and long term – as well as build in flexibility within those margins of time.
Ultimately success comes back round the soft factors like having buy in from the top right down to the most junior of staff – communication and involvement at every stage so that everyone understands the objectives and their part in that were considered as important as the actual project itself.
**RELATED POST**
Customer Experience
### Exploring Customer Experience: an illuminating panel discussion at OWIN23
[](/exploring-customer-experience-how-to-deal-with-clients-expectations-and-values/)
Innovation
### Sustainable Innovation: Insights & Perspectives from an unparalleled Panel Discussion
[](/sustainable-innovation-insights-and-perspectives-in-wealth-and-asset-management-areas/)
Innovation
### Modernization, innovation, and transformation in Financial Services
[](/aws-perspective-on-modernization-innovation-transformation-in-financial-servicesmodernization-innovation-and-transformation-in-financial-services/)
**Categories:** #ClientCommunication, #Cloud, #CustomerConference, #Digitalisation, Blog, Digital Transformation
---
### [Digital Transformation Digital Banking Picks Up Speed](https://objectway.com/digital-banking-embraces-technology-to-ensure-efficiency-and-customer-centricity/)
**Published:** October 23, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Digital banking is becoming 'the only way' to do banking, bridging operational efficiency with customer centricity, AI adoption, and ID solutions integration
**Content:**
###### October 23, 2023
# Digital Banking Picks Up Speed
[Vladimir Dimitroff](https://www.linkedin.com/in/vdimitroff/)
Senior Advisor at Objectway
Digital Transformation
[\#Artificialintelligence](/artificial-intelligence/)[\#ClientExperience](/clientexperience/)[\#Digitalisation](/digitalisation/)[\#RiskManagement](/risk-management/)
3rd Annual Digital Banking Summit, Berlin 2023
A third edition of a pan-European event suggests some history and state of maturity. Indeed, while the early audiences were attracted more by the novelty and excited about the opportunities, by now both financial institutions and technology players are confidently engaging in ‘business as usual’ digital banking and making unstoppable progress with it.
This year’s conference saw some 190 participants from all over Europe and beyond (there were delegates form as far as Senegal and Pakistan), representing 80+ companies, including 35 banks. The intense agenda offered the audience 40+ diverse presentations, discussion panels and round tables. By the end of the summit we all knew (a lot) more about Digital Banking – and about each other. As with all good events, the live networking opportunities were priceless.
The immense variety of topics presented and discussed can be summed in several trending groups, of which I found four standing out and meriting attention:
Digital ID
By far the most numerous discussions, presentations and participants on this topic was somewhat surprising, but it undoubtedly indicates widespread challenges in the industry and a respectively growing number of solutions on offer. The benefits of digital banking also come with certain risks like fraud, identity theft, money laundering and more. To help operating institutions mitigate risks and fight crime, we heard form a number of leading vendors in the field – ranging from single identification focus, e.g. biometric (as seen in Berlin from iProov) to advanced and comprehensive platforms like Evrotrust, IDentt and TrueID. A notable overlap with another trending topic – AI: many ID solutions increasingly utilise different forms of machine learning, neural decisioning or cognitive and generative models. A trend to watch!
Customer Centricity
Banks have been flirting with the idea for decades: they embraced CRM around the turn of the century but later forgot what the ‘R’ letter there stands for. In more recent times CX (customer experience) became the mantra yet in the last 10 years we’ve heard more horror stories from abused customers, than praises from delighted ones. And then digital neo-banks came to the scene and disrupted the industry, not least by providing a notably better experience. The 3rd Summit had a whole section dedicated to this, and even outside that part every presenter had at least a mention if not a major point of their story. CX was at the heart of ING Bank’s long and winding journey of global transformation, eloquently told by Marco Eijsackers.
Other best practices also had the Customer in focus: Credit Europe made CX the business case for their digital transformation; Reiffeisen built their Digital Bank by understanding customer needs and preferences and gave it the motto ‘Built for Customers’. Barclays took CX to the B2B dimension, and pure digital plays all had it at their heart. There was no shortage of presenting tech vendors with specific enabling functionalities, like Personetics (for hyper-personalisation of experiences), Creatio offers composable, no-code automation for CRM and CX. Netcetera aims to improve interactions with advanced UI and communication capabilities. And several ID vendors aimed specifically for fast and smooth customer onboarding.
Not least among them, Objectway has a special place for CX in its [innovation methodology](< /banking-and-wealth-management-how-to-win-the-best/>) and integrated offering. We believe that, with commoditised services and financial products, CX is becoming the next frontier for competitive advantage and expect to see exciting developments in this field.
Artificial intelligence
No longer an exotic novelty, AI has firmly entered the mainstream and we saw a number of interesting stories. Among operating banks, Intesa Sanpaolo shared a most impressive experience with a comprehensive approach to AI adoption. They established a dedicated AI Centre of Excellence and deployed AI in practically every main area of baking activities, to some remarkable results. Nobanks (see below) have also embraced AI and had interesting mentions in their stories. Among them Nest!Bank even call themselves an ”AI bank”.
On the vendor side, most ID providers benefit from AI in their biometric solutions, but some have taken it beyond that into KYC/AML (Evrotrust) and intelligent Credit Risk Decisioning (Provenir).
Digital Banking Case Studies and Best Practices
This was naturally the bulk of content at the Summit. Interestingly, nobody even mentioned terms from previous years like ‘challenger’ or ‘disruptor’ banks – because those are rapidly becoming mainstream, and many incumbents are successfully responding to the challenge. Apart from a few ‘pure plays’ (Starling, Nest) most digital banks presenting were subsidiaries of ‘incumbent’ universal banks. Notably those are set up as separate entities with their own operating structures and independent branding (ON, Mashreq). They all share the vision – and best practice – of bridging operational efficiency with customer centricity. For years considered antagonistic (you can’t be low-cost and offer great service?) those two dimensions now coexist under the same roof, allowing fast and simple service with great CX, thanks to digitalisation. Today we no longer see a stark division between ‘old’ and ‘new’ banks – but simply the only viable way to the future.
Objectway’s Contribution
We presented a story touching all above themes. Despite a focus on Wealth Management (while much of the audience came from retail banks), our strengths in end-to-end digitalization, use of advanced technology, deep customer centricity and fully integrated approach resonated with all participants, who felt encouraged and enriched with ideas from what Objectway had to share.
To recap all above observations: Digital Banking is not only here to stay, but rapidly becoming ‘the only way’ to do banking – embracing technology for intelligent operations and superior experiences of all stakeholders: customers, employees, investors and partners in the ecosystem.
**RELATED POST**
Market Trends
### AI in Financial Services? Rest assured it’s here to stay!
[](/ai-in-financial-services-a-transformative-force-for-a-long-term-strategy/)
Video Interview
### Crafting a Roadmap for Successful Innovation and Client Partnership in Financial Services
[](/crafting-a-roadmap-for-successful-innovation-and-client-partnership-in-financial-services/)
Customer Experience
### Unleashing the power of Customer Experience: designing for Client needs and expectations
[](/unleashing-the-power-of-customer-experience-objectway-and-qorus-joint-webinar/)
**Categories:** #ArtificialIntelligence, #ClientExperience, #Digitalisation, #RiskManagement, Blog, Digital Transformation
---
### [Digital Transformation Objectway at T3 Technology Conference: Unleashing potential through the acquisition of Nest Wealth](https://objectway.com/objectway-at-t3-technology-conference-unleashing-potential-through-the-acquisition-of-nest-wealth/)
**Published:** February 2, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway participated in the T3 Technology Conference announcing the recent acquisition of Nest Wealth and exploring digital transformation and client onboarding.
**Content:**
###### February 02, 2024
# Objectway at T3 Technology Conference: Unleashing potential through the acquisition of Nest Wealth
[Marianna Vilardi](https://linkedin.com/in/marianna-vilardi-1bb057163/)
Senior Marketing Content Creator
Digital Transformation
[\#OneObjectway](/one-objectway/)[\#ClientExperience](/clientexperience/)[\#DigitalEngagement](/digital-engagement/)[\#Onboarding](/onboarding/)
Nest Wealth Objectway Group proudly participated in the T3 Technology Conference’s 20th-anniversary celebration last week, a momentous event that brought together leaders from the financial technology and wealth management sectors to foster collaboration, share insights, and celebrate the technological advancements shaping the financial industry. What’s more, the Conference served as a fitting backdrop for a groundbreaking announcement – as the world knows at this point, Nest Wealth is now officially part of the Objectway Group, marking a significant milestone in our journey to become the trusted end-to-end global partner for the wealth management industry and expand our geographical footprint in North America.
This year, Nest Wealth’s Founder and CEO, Randy Cass, took the stage to offer a profound exploration of mastering digital transformation in wealth management. Randy delved into a decade’s worth of digital transformation and client onboarding experiences, unravelling the intricacies of missteps and pitfalls. Through a meticulous analysis of real-life examples, he illuminated the nuances of success and failure, shedding light on the ‘why’ behind each outcome. With a keen eye on the lessons learned, Randy equipped the audience with invaluable insights on how to replicate triumphs. Regardless of the stage in the digital journey, he provided a comprehensive guide for forging a more successful path forward in this ever-evolving landscape.
On top of that, his impactful contribution to this special occasion, crowned by the announcement of the recent acquisition, confirmed our common and unwavering commitment to propelling driving innovation and embracing digital transformation for financial institutions to craft more personalised, efficient and secure client experiences.
Indeed, by integrating Nest Wealth client onboarding and financial planning solutions with Objectway robust capabilities, we will elevate our wealth and investment management offering to provide enhanced services to our valued clients, both existing and new, in Canada and the US and further expand and enrich our wealth solutions design model across the entire value chain in EMEA.
Eventually, the T3 Conference has been a beacon of inspiration and collaboration for two decades and we are delighted to being a part of this milestone event, contributing to the ongoing dialogue surrounding innovation in the financial industry.
As we look towards the future, Objectway remains dedicated to shaping the next chapter of wealth management, where technology and client-centric solutions converge for a brighter and more prosperous tomorrow.
**RELATED POST**
Objectway
### Objectway Acquires Nest Wealth, Leading Digital Wealth Solutions Provider in Canada
[](https://www.objectway.com/objectway-acquires-nest-wealth-leading-digital-wealth-solutions-provider-in-canada/)
About Objectway
### ONE OBJECTWAY: the value of being ONE organisation
[](/one-objectway-unlock-the-potential-of-growth-and-innovation-based-on-trust-connectivity-and-connections/)
Customer Experience
### Crafting a Comprehensive Client Experience Strategy: A Blueprint for Success
[](/crafting-a-comprehensive-customer-experience-strategy-design-segregation-and-enhance-engagement/)
**Categories:** #ClientExperience, #DigitalEngagement, #Onboarding, #OneObjectway, Blog, Digital Transformation
---
### [Digital Transformation Optimisation de l'Engagement Client et Valorisation du Conseil Financier: Objectway au Forum de la Gestion Privé 2024](https://objectway.com/optimising-customer-engagement-and-enhancing-the-value-of-financial-advice-objectway-at-forum-de-la-gestion-privee-2024/)
**Published:** June 11, 2024
**Author:** Lorenzo Noventa
**Excerpt:** Objectway took part to Forum de la Gestion Privée 2024 focusing on reducing complexity, accelerating onboarding and increasing productivity.
**Content:**
###### June 11, 2024
# Optimisation de l’Engagement Client et Valorisation du Conseil Financier: Objectway au Forum de la Gestion Privée 2024
[Miroslav Petrov](https://www.linkedin.com/in/miroslav-petrov-055a5267/?originalSubdomain=fr)
PRODUCT DIRECTOR – INVESTMENT COMPLIANCE OBJECTWAY
digital transformation
- [FR](#tab-1750434072751-3)
- [ENG](#tab-1750434072776-4)
[\#Automation](/automation/)[\#ClientExperience](/clientexperience/)[\#DigitalEngagement](/digital-engagement)[\#Digitalisation](/digitalisation/)[\#Hyperpersonalisation](/hyper-personalisation/)[\#PortfolioOptimisation](/portfolio-optimisation/)
L’Agefi a organisé la 9ᵉ édition du Forum de la Gestion Privée, en avril 2024, rassemblant les professionnels de la banque privée et des experts pour discuter des [défis et opportunités](/ai-in-wealth-management-perspectives-and-potential-impacts-for-2024/)
actuels du secteur. Cette année, les discussions se sont concentrées sur trois thèmes principaux : la transformation digitale, les stratégies de différenciation et les opportunités d’investissement.
La transformation digitale a été un sujet central, notamment lors de la matinée dédiée à la “Wealth Tech”. Les échanges ont exploré comment les banques privées peuvent accélérer leur transformation grâce à l’IA et à la digitalisation. Les ateliers partenaires ont présenté des solutions spécifiques pour améliorer l’engagement client et l’expérience utilisateur dans un contexte réglementaire complexe. L’optimisation de la gestion et du conseil, l’amélioration de l’expérience client et l’importance de la technologie dans la conformité ont été largement abordés, soulignant le rôle crucial de la digitalisation pour répondre aux attentes croissantes des clients.
Les stratégies de différenciation ont également été un point fort des discussions, mettant en lumière comment les banques privées peuvent s’organiser pour répondre aux nouvelles attentes des clients et se démarquer face à la concurrence. Les intervenants ont discuté du rôle des partenariats avec des fintechs et de l’importance de l’innovation pour se démarquer dans un marché saturé. La connaissance approfondie des profils des clients, la segmentation et l’adaptation des services ont été identifiées comme des éléments clés pour offrir une expérience client personnalisée et efficace.
Les opportunités d’investissement ont été explorées et les discussions ont porté sur l’investissement en private equity, avec un accent sur le co-investissement, la prime d’illiquidité et le marché secondaire. Les tables rondes ont également couvert des sujets comme l’allocation d’actifs, la démocratisation de l’accès aux actifs réels, l’intégration de l’ESG et les préférences des clients en matière d’investissement responsable ont été abordées. De plus, l’ingénierie patrimoniale a exploré l’impact du vieillissement de la population sur la mission de conseil des banquiers privés, notamment en matière de transmission de patrimoine.
L’atelier présenté par Objectway a porté sur le sujet de l’optimisation de l’engagement des clients et la valeur du conseil financier. Cette optimisation repose sur trois axes principaux : augmenter le nombre de contacts, tout en améliorant le taux de conversion, optimiser les interactions avec les clients pour une meilleure qualité de service et fidélisation, ainsi que diminuer les coûts de support tout en augmentant la productivité et l’efficacité. Les indicateurs clés de performance incluent la durée et la qualité des réunions, la satisfaction client et la scalabilité des services.
Objectway se concentre sur la réduction de la complexité, l’accélération de l’onboarding et l’augmentation de la productivité. L’objectif est de fournir un service efficace à chaque étape du cycle de vie du client, de la vérification d’identité à l’élaboration de propositions d’investissement. Simplifier les processus d’entrée en relation et réduire le temps nécessaire pour onboarder un client sont essentiels pour offrir une expérience fluide et un service premium. Il est essentiel de bien connaître les profils des clients pour mieux adapter les services proposés. La segmentation permet de répondre aux besoins variés avec des préférences allant du digital à l’interaction humaine. Cette compréhension approfondie permet de définir des processus métiers adaptés à chaque segment de clientèle.
Le design du parcours client, soutenu par des technologies avancées, fait toute la différence et crée une expérience unique. L’approche inclut l’implication de toutes les parties prenantes, des évaluations avec des clients réels, et une intégration omni-canal pour une expérience cohérente et captivante. Un design centré sur l’utilisateur permet de créer des interfaces intuitives et engageantes, cruciales pour fidéliser les clients et améliorer leur satisfaction.
La plateforme unifiée d’Objectway permet d’intégrer diverses technologies pour atteindre des objectifs métiers spécifiques de manière efficace et innovante. L’hyper-automatisation, qui consiste combiner plusieurs technologies telles que l’IA générative, le machine learning et la robotique, permet de rationaliser et d’automatiser les processus. Cette approche permet non seulement de réduire les erreurs humaines et d’augmenter la productivité, mais aussi de répondre rapidement aux nouvelles exigences métiers. Par exemple, des processus comme l’onboarding de clients, la conformité réglementaire et la gestion des risques peuvent être exécutés de manière plus rapide et précise. Cela permet aux entreprises de proposer des solutions innovantes et de s’adapter rapidement aux évolutions du marché, tout en offrant une expérience client de haute qualité.
En conclusion, l’atelier d’Objectway a mis en évidence l’importance de la transformation digitale, de l’innovation technologique et de la connaissance approfondie des profils clients pour améliorer l’expérience utilisateur et répondre aux attentes croissantes du marché. Les solutions présentées permettent d’optimiser les processus et d’offrir des services personnalisés et efficaces. Objectway reste déterminé à innover et à soutenir ses clients dans un environnement financier en constante évolution.
[\#Automation](/automation/)[\#ClientExperience](/clientexperience/)[\#DigitalEngagement](/digital-engagement)[\#Digitalisation](/digitalisation/)[\#Hyperpersonalisation](/hyper-personalisation/)[\#PortfolioOptimisation](/portfolio-optimisation/)
L’Agefi organized the 9ᵉ edition of the Forum Gestion Privée in April 2024, bringing together private banking professionals and experts to discuss the [sector’s current challenges and opportunities.](h/ai-in-wealth-management-perspectives-)
This year, discussions focused on three main themes: digital transformation, differentiation strategies and investment opportunities.
Digital transformation was a central topic, particularly during the morning session dedicated to “Wealth Tech”. Discussions explored how private banks can accelerate their transformation through AI and digitalization. Partner workshops presented specific solutions for improving customer engagement and user experience in a complex regulatory environment. Optimizing management and advice, enhancing the customer experience and the importance of technology in compliance were widely discussed, highlighting the crucial role of digitalization in meeting rising customer expectations.
Differentiation strategies were also part of the discussions, emphasizing how private banks can organize themselves to meet new customer expectations and stand out from the competition. Speakers discussed the role of partnerships with FinTechs and the importance of innovation to stand out in a saturated market. In-depth knowledge of customer profiles, segmentation and service adaptation were identified as key elements in delivering a personalized and effective customer experience.
Investment opportunities were explored and discussions focused on private equity investment, with an emphasis on co-investment, the illiquidity premium and the secondary market. Round tables also covered topics such as asset allocation, the democratization of access to real assets, ESG integration and client preferences for responsible investment. In addition, wealth engineering explored the impact of an ageing population on the advisory mission of private bankers, particularly in terms of wealth transfer.
The workshop presented by Objectway focused on optimizing customer engagement and enhancing the value of financial advice. This optimization is based on three main pillars: increasing the number of high-quality contacts while improving the conversion rate, optimizing customer interactions for superior service quality, and reducing support costs while boosting productivity and efficiency. Key performance indicators include meeting duration and quality, customer satisfaction, and service scalability.
Objectway emphasized on reducing complexity, accelerating onboarding and increasing productivity. The aim is to provide efficient service at every stage of the customer lifecycle, from identity verification to the development of investment proposals. Simplifying relationship entry processes and reducing the time needed to onboard a customer are key to delivering a seamless experience and premium service. Understanding customer profiles is essential to better tailor the services offered. Segmentation enables to respond to diverse needs, with preferences ranging from digital to human interaction. This in-depth understanding makes it possible to define business processes adapted to each customer segment.
Customer journey design, supported by advanced technologies, makes all the difference and creates a unique experience. The approach includes the involvement of all stakeholders, assessing with real customers, and integration with the customer’s environment. User-centered design enables the creation of intuitive and engaging interfaces, crucial for building customer loyalty and improving customer satisfaction.
Objectway’s unified platform enables the integration of diverse technologies to achieve specific business objectives in an efficient and innovative way. Hyper-automation, a combination of technologies such as generative AI, machine learning and robotics, streamlines and automates processes. This approach not only reduces human error and increases productivity, but also enables rapid response to new business requirements. For example, processes such as customer onboarding, regulatory compliance and risk management can be carried out more quickly and accurately. This enables companies to offer innovative solutions and adapt quickly to market changes, while delivering a high-quality customer experience.
In conclusion, the Objectway workshop underscored the critical importance of digital transformation, technological innovation, and in-depth customer profiling to enhance the user experience and meet growing market demands. The solutions and use cases presented demonstrated how to optimize processes and deliver personalized, premium services effectively. Objectway remains committed to continuous innovation and dedicated support for its clients, helping them navigate and thrive in an ever-evolving financial landscape.
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**Categories:** #Automation, #ClientExperience, #DigitalEngagement, #Digitalisation, #HyperPersonalisation, #PortfolioOptimisation, Blog, Digital Transformation
---
### [Digital Transformation Engaging the Next Generation of Investors: Embracing Digital Innovation for Lasting Impact](https://objectway.com/engaging-the-next-generation-of-investors-through-digital-innovation/)
**Published:** September 5, 2024
**Author:** Lorenzo Noventa
**Excerpt:** As the wealth management landscape undergoes a generational shift, engaging the next wave of investors through digital innovation has become a top priority.
**Content:**
###### SEPTEMBER 05, 2024
# Engaging the Next Generation of Investors: Embracing Digital Innovation for Lasting Impact
[Objectway](https://www.linkedin.com/company/objectway/)
digital transformation
[\#Automation](/automation/)[\#ClientExperience](/clientexperience/)[\#Customerjourney](/customerjourney/)[\#DigitalEngagement](/digital-engagement)[\#Hyperpersonalisation](/hyper-personalisation/)
As the wealth management landscape undergoes a generational shift, engaging the next wave of investors through digital innovation has become a top priority. The new generation, primarily millennials, are not only digitally fluent but also have distinct preferences shaped by their awareness of social and environmental issues, and their desire for transparency, convenience, and accessibility. To remain competitive, wealth management firms must understand and adapt to these evolving expectations.
Objectway participates in The Wealth Mosaic Client Experience Toolkit Report to explore this very matter in detail. Read the full article and discover more about the Objectway Platform [HERE]()
The Myth of the Intergenerational Wealth Transfer?
There has been much market commentary on the wave of capital that will be intergenerationally transferred in coming years, but the pace and scale of this transfer might be slower than expected. This uncertainty raises a critical question for wealth managers: Will future wealth ownership remain unified within extended families, or will it splinter into separate relationships with different providers?
The outcome of the above will be influenced and decided mostly by human factors, such as trust, past experience, accountability, and firm reputation. Technologies and solution designs that directly address customer experience and adviser engagement with clients will become key factors that determine if wealth owners encourage or discourage their children, grandchildren etc., to follow their own relationship pathway or not.
What do young investors want?
Still, to attract and retain these new clients, financial services firms will have to enhance their digital offerings. This includes developing robust digital platforms, mobile apps, and intuitive interfaces that allow easy access from any device. The trend is clear: the emerging generation of investors view their mobile devices as essential tools for communication, data sharing, and engagement. Wealth management firms must therefore ensure that their mobile apps are part of a comprehensive digital strategy that supports omnichannel interactions, digital onboarding, and front-office productivity. Personalised solutions will also be crucial, tailored to individual investment styles, behaviours, risk profiles, and preferences.
Moreover, the next gen appreciates convenience and automation in its financial activities. Across all age groups, including millennials, investors seek personalized, accessible, and transparent investment support. AI-powered tools can analyse preferences and financial goals to offer tailored strategies, enhancing customer relationships by automating administrative tasks and improving the overall client experience. Yet, operationalizing AI’s full potential remains a challenge for many firms.
The continued expansion of digital channels offers wealth management firms a significant opportunity to deliver scalable advice through virtual agents and AI-assisted tools. But as the digital engagement landscape evolves, human advisors still play a crucial role, especially for clients in the early stages of wealth accumulation who may need more education and guidance than fully automated decision-making.
Read the full article and discover more about the Objectway Platform [HERE]()
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**Categories:** #Automation, #ClientExperience, #CustomerJourney, #DigitalEngagement, #HyperPersonalisation, Blog, Digital Transformation
---
### [customer experience Achieving Higher Lifetime Value for Customers](https://objectway.com/achieving-higher-lifetime-value-objectway-innovation-diamond-approach/)
**Published:** March 10, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** How to achieve ‘Higher Lifetime Value for Customers’ and the importance of a seamless personalised journey to provide real value in terms of customer experience.
**Content:**
###### MAR 10, 2023
# Achieving Higher Lifetime Value for Customers
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
Director Of Client Services at Objectway
customer experience
[\#CustomerExperience](/owintalk/customerexperience)[\#CustomerJourney](/owintalk/customerjourney/)[\#Digitalisation](/owintalk/digitalisation/)[\#HybridAdvisory]()[\#HyperPersonalisation](/owintalk/hyper-personalisation/)
Objectway recently participated in the most recent Arena event on Digital Integration, which brought together leading voices and players of the financial services community to discuss the major challenges and future opportunities within the industry. Improving the customer journey has emerged as one of the top priorities at board level and its importance has been well highlighted of late. Gartner reports that more than 80% of Financial Institutions will primarily or exclusively compete on customer experience. End customer research shows that 25-30% may switch to a different firm if important touchpoints such as client portal, and reporting are not improved quickly. It’s no wonder then that [customer experience will long be a critical competitive differentiator.](/the-importance-of-a-customer-centric-business-model-in-wealth-management/)
Objectway shared insights on how firms could achieve ‘Higher Lifetime Value for Customers’ and stressed the importance of a seamless personalised journey to provide real value in terms of customer experience. Customers expressed a strong desire to improve their current hybrid offering and underlined the need for a more dynamic portal and personalised interactions with their wealth managers.
Applying the Innovation Diamond for long-term value creation
Driving from customers’ current needs and demands, Objectway introduced the Innovation Diamond principle at the core of our speech, showing how the four areas of Value Creation – notably Experience, Offering, Configuration and Sustainability – are interconnected to generate successful innovation.
To be client-centric and achieve desired outcomes, it is important to focus on creating a seamless hybrid experience, that is user friendly and aligned to client lifecycle management. This involves implementing an operating model that maximizes productivity and efficiency by managing all client-related activities and maintaining conscious relationships.
The second element of innovation involves configuring a frictionless journey for the client through technology innovation and evolving the business operating model, while the third element focuses on personalising the experience to meet the unique needs of each client, including aligning investment solutions with profitability and creating social and environmental value over the long term.
All this to be delivered within a sustainability framework to help businesses meet clients’ future needs and achieving financial returns.
The main challenges to Sustainable Digital Innovation
Recent research highlighted a number of key areas that were inhibiting change.
Challenges to providing efficient processes for enhanced customer experience arise first and foremost from the burden of legacy IT architecture, which leads to excessive data re-keying, reliance on multiple disparate systems and resulting manual errors and significant time wasted on administrative tasks by people who could be adding value to their clients (if these tasks were automated). However, over the next 12 months, more than 7/10 firms intend to change their legacy IT systems, indicating a positive outlook for change.
Another obstacle to change is the ability of firms to actually resource any change and have the right level of expertise available to do this. In Objectway’s experience, successful change projects have been a result of a true partnership approach where skilled resources are leveraged as effectively as possible between partners who are both invested in the end goal i.e.: successful project completion and successful ongoing relationships. The need for a cultural shift was also highlighted and one way to accelerate this could be the sharing of quick wins that could be achieved through incremental modular change.
What does the wow look like?
Digital transformation could enable the wow factor for customers in a number of respects. For example, by making hyper personalised reports/educational information available on the customer portal, automating many back end processes to allow more time for the Investment manager to actually add value to their customer. Indeed, research shows that as technology improves, customers are actually much more likely to speak to their firms about important investment decisions.
Objectway discussed a real life case study on sustainable Innovation in operation to demonstrate the impact digital change and successful integration of systems is having on customer experience and the resulting business metrics for Wealth Management firms here and now.
Our client has seen doubling of digital engagementa as measured after implementing a dynamic client portal which has also led to a significant increase in client satisfaction as measured by a positive NPS score. Effective digital change has also resulted in an improvement of front office effectiveness as measured by more than 25% more clients per front office professional (largely due to automating processes). The future outlook for improving lasting value for customers is very positive if firms can navigate the common challenges they are likely to face.
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---
### [customer experience A battle plan to win on Customer Experience](https://objectway.com/a-battle-plan-to-win-on-customer-experience-and-the-future-of-wealth-management/)
**Published:** December 14, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Digital tools are key for Customer experience. Digitisation enhances the customer experience and makes for operation automation and efficiency.
**Content:**
###### DEC 14, 2022
# A battle plan to win on Customer Experience
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
Director Of Client Services at Objectway
customer experience
[\#Digitalisation](/owintalk/digitalisation/)[\#ClientExperience](/owintalk/clientexperience/)[\#CustomerJourney](/owintalk/customerjourney)[\#ClientCommunicationn](/owintalk/clientcommunication/)
Over the past five years, it has become apparent that customer experience has come to the fore. It is much in demand by clients expecting to have a Netflix-like experience from their wealth manager as well as wealth managers themselves; they want to differentiate themselves to retain clients, capture a greater share of wallet, and benefit from referrals. It’s a hot topic!
Indeed, not providing a value-added customer experience risks customers going elsewhere. Research by [Ernst & Young](https://www.ey.com/en_gl/wealth-asset-management/when-wealth-management-clients-want-to-switch-will-you-be-their-first-choice) shows that up to one-third of clients are looking to change their wealth manager in the next three years.
And [McKinsey’s](https://www.mckinsey.com/capabilities/mckinsey-digital/our-insights/service-industries-can-fuel-growth-by-making-digital-customer-experiences-a-priority) research shows that 70% of the client experience is based on how the client feels they are being treated, which has a lot to do with whether communication is good or not. It says that digital tools can improve the overall experience when deployed correctly.
Indeed, digital transformation elsewhere has now fed through to wealth management. Providers like Amazon have made their services and products easily accessible and give consumers personalised and tailored experiences.
As a result, they now expect it in their financial affairs too.
And although wealth management has always relied heavily on being a bespoke service mainly delivered in person, things have changed. The expectation is that these elements will be delivered not just via the relationship with the wealth manager but also through the quality and the content within digital interactions. A hybrid model is now a critical element for firms and clients.
Wealth managers that get this wrong will struggle in the future.
The client portal is, of course, key to this. Suppose a client has mentioned to the wealth manager that they have a particular interest in, say, carbon-neutral investments. In that case, they now expect to see interesting research and other content within the client portal. They might also want to see a list of carbon-neutral investment strategies and vehicles together with some sort of performance data. A dynamic portal to enable effective hybrid advice and a portfolio optimiser to make recommendations using AI is a good combination to enhance the overall experience.
The idea is that providing the client with this sort of detail could then provoke a discussion with the wealth manager, perhaps looking at realigning the overall portfolio or looking to add in some carbon-neutral investments and then looking at a few ’what if scenarios.
The nature of the actual communication with the adviser is also critical to the customer experience. A personalised portal can create a ‘wow’ moment with the customer. If they can then act on that feeling quickly by having access to the adviser over the channel of their choice and at the time of their choosing, then that consolidates the wow factor. It is also important to remember that an [omni-opti-channel](/onboarding-moves-beyond-in-the-overall-client-relationship/) does not mean factoring out face-to-face contact. Indeed three-quarters of customers are still likely to want face-to-face interaction with the adviser. Having the choice over how and when to contact them just deepens the relationship and makes it more likely that the number of touchpoints will go up, thus making the face-to-face more beneficial and informed when it does happen.
Our own [research](https://www.objectway.com/download-research-forecasting-the-future-technology-and-investment-in-wealth-management/) bears this out and identifies that wealth managers know all of this and are starting to walk the walk and talk the talk. We know digital change is massively driven by customer experience. So it is no surprise that seven out of 10 firms are looking to invest in their digital estate.
They are starting to invest in the right technology for better customer experience. A big part of that is investing in digital tools and installing apps so that clients can get the functionality they want and that systems can talk to each other and deliver a better customer experience on those apps. It is just no good having legacy spaghetti systems that can’t communicate with each other and require lots of manual interventions, which, of course, are time-consuming and introduce many human errors. In this way, digitisation not only enhances the customer experience but also makes for operation automation and efficiency too. It essentially means that humans spend less time doing admin and more time proactively managing and nurturing relationships.
This makes for better business as having a good customer experience makes for retention, greater share of wallet, and referrals.
To illustrate the point, one of our clients upped their digital engagement (as measured by how often the client logged in) from 25% to 60% within 12 months of investing in joined-up and digital technology. The aim is now to reach a figure of 80%, which is seen as highly attainable by the client.
And in terms of business metrics, investing in technology to enhance the customer experience means another client has upped its AUM by 25% due to new client growth, increased share of wallet, and referrals. Front office productivity has also boomed, with advisers now managing some 20% more clients than previously due to efficiency gains.
The story is clear, investing in the technologies to provide for a value added and differentiated customer experience is a must. Wealth managers know this and now are acting on it.
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---
### [customer experience Customer Experience: all you need to know, revealed by Objectway’s latest survey](https://objectway.com/customer-experience-how-to-manage-it-and-challenges-to-face-consult-latest-objectway-survey/)
**Published:** February 2, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Digital tools are key for Customer experience. Digitisation enhances the customer experience and makes for operation automation and efficiency.
**Content:**
###### FEB 02, 2023
# Customer Experience: all you need to know, revealed by Objectway’s latest survey
[Barbara Gentile](https://www.linkedin.com/in/barbara-gentile-3722782/)
Product Marketing Manager
[Marianna Vilardi](https://linkedin.com/in/marianna-vilardi-1bb057163/)
Senior Marketing Content Creator
customer experience
[\#CustomerExperience](/owintalk/customerexperience)[\#DigitalEngagement](/owintalk/digitalengagement)
Truth be told, digital customer experience is no longer a brand-new trend. Open everyone’s agenda and you’ll find it there, top position, for years now.
Considering every firm had to adhere to it somehow, sometime, the point is now to assess whether they are satisfied with it or not, what they are planning to do and where they are planning to invest to improve it. This is what we asked Wealth and Investment managers via our [latest survey on CX](https://www.objectway.com/download-survey-report-how-advanced-is-your-digital-customer-experience/), along with a few more interrogatives aiming to outline recent trends and how to reap the benefits.
An inside look at the market in terms of Customer Experience
Straight to the point, digital customer experience is confirmed as an ever-present priority as part of a broader digital transformation strategy. There are a number of reasons to this: it promotes higher revenues and customer base growth (24%), it contributes to improve customer success metrics (24%) and reduces operational costs for customer service (20%).
However, according to our survey, only 10% of respondents are highly confident in the effectiveness of their current digital CX while the majority feel that much work is still to be done. Fair enough, as improving customer experience is not a one-time task, but rather a dynamic process which requires increasing attention and monitoring of evolving customer needs along with collective efforts to build a customer-first culture.
Challenges remain, but wealth managers are raising to them
Four emerged from our survey as the main barriers firm face in implementing effective digital experiences. These are: limited staff expertise, outdated technology, budget and time constraints. Therefore, internally, businesses may need to spend in training, technology upgrades, and effective processes to handle the threat of these challenges becoming issues and maximize the use of their resources . Externally, investments to improve customer experience will be certainly increasing. Our survey reveals the top areas of investment, being Customer Data management and Data Integration – selected by the majority of respondents – Microservices and API development (23%), mobile apps or mobile touch points (15%), analytics and dashboarding (15%).
These investments suggest a focus on improving the customer experience by utilising customer data effectively through management and integration with other data sources, building microservices and APIs for development and deployment, creating mobile apps for customer engagement, and implementing analytics and dashboards for data visualisation and decision-making. The goal is likely to provide customers with personalised and seamless interactions across different touchpoints and channels, and to gain insights into customer behaviour and preferences to inform future business decisions.
In terms of tools used within firms’ customer experience ecosystems, CRM climbs the ranks, recognised by a winning 45% majority of respondents as the key tool for companies looking to improve the overall customer experience: it allows for automation and streamline of customer-facing processes, as well as gaining a more complete view of their customers by collecting and analysing customer data.
Looking at the most popular tools to be introduced in the next years there is a desire to deliver a more sophisticated digital experience, with a digital experience platform and a customer experience management software (25%) both having similar scores. Next comes a customer data platform (20%) that creates a comprehensive customer database accessible by other systems to analyse, track and manage customer data. The need for a digital experience platform includes also an opti-channel dynamic portal with personalised interaction with customer.
This is consistent with the result that half of the organisations surveyed are planning to replace, upgrade or introduce a new platform and apps to generate leads, engage with prospects, provide actionable insights and improve the overall customer experience by providing a consistent and personalised experience across all digital touchpoints.
The story is clear, investing in technologies to provide for a value added and differentiated customer experience is not optional. Wealth & Investment Managers know this and now are acting on it.
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---
### [customer experience Exploring Customer Experience: an illuminating panel discussion at OWIN23](https://objectway.com/exploring-customer-experience-how-to-deal-with-clients-expectations-and-values/)
**Published:** June 29, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** By prioritizing value-creation for clients through innovative products and services, financial institutions can meet the evolving demands of their customers
**Content:**
###### June 29, 2023
# Exploring Customer Experience: an illuminating panel discussion at OWIN23
[Objectway](https://www.linkedin.com/company/objectway/mycompany/verification/)
customer experience
[\#ClientRelationship](/owintalk/clientrelationship/)[\#HybridAdvisory](/owintalk/hybridadvisory/)[\#Digitalisation](/owintalk/digitalisation/)
In this thought-provoking panel discussion, industry experts and Objectway clients delved into the intricate relationship between Customer Experience and digitisation, uncovering the dynamic interplay between self-service solutions and hybrid approaches.
Joining the conversation on the stage of OWIN23 were Gareth Johnson, Head of Digital Channels at RBC Brewin Dolphin, Eric van der Deijl, Country Operating Officer at ABN AMRO Bethmann Bank, Laurent Lamblin, Head of Concept at EveryoneINVESTED, Luc Haldimann, CEO of Unblu and Nico Permentier, Head of UX Creation & Securities Design at KBC Bank.
The obvious place to start is looking at what the client expects and values in terms of service and the choices available to interact with their wealth manager.
Gareth Johnson, Head of Digital Channels at RBC Brewin Dolphin kicked off the discussion by saying there needs to always be means for the client to get in touch.
*When you build the user journey you try to think of a slick digital service but you also need to consider how you can best serve the client in terms of convenience and availability. If there’s a problem, can the client get in touch with you? Hopefully that seems obvious, but it’s important. We like to call it winning in the moments that matter.*
– [Gareth Johnson](https://www.linkedin.com/in/gareth-johnson-10106017/), Head of Digital Channels at RBC Brewin Dolphin
Still, clients are all not the same. Eric van der Deijl, Country Operating Officer at ABN AMRO Bethmann Bank, pointed out that service channels differ according to the segment. High Net Worth Individuals (HNWIs) for example are not willing to have a service that is fully digital, they appreciate the personal relationship.
*We also have additional services we offer them, like philanthropy or in-depth financial planning, real estate that require a tailored and personal touch*, he said.
Advisory clients, meanwhile, are much more open to self-service for simple things like a change of address but still value the adviser’s input when it comes to more complex products and affairs. Discretionary portfolio management clients, however, require a lot of attention in the onboarding phase to build the initial trust and the relationship and take things forward into the future.
The talk moved onto the various elements of customer experience. Laurent Lamblin, Head of Concept at EveryoneINVESTED, talked about the pre onboarding and prospecting stage. He thought that although profiling can be fully digitised, that the human touch is ever important in building that initial trust and ongoing discussions about the dynamics of investing and educating people.
*They need to feel comfortable and have a smooth journey from the initial discussion to onboarding and starting their investment journey with us.*
– [Laurent Lamblin](https://www.linkedin.com/in/lamblin/), Head of Concept at EveryoneINVESTED
Indeed, although the human touch is key part of a smooth process and a major factor in building trust, digital interactions also need to be a positive experience.
*I could not agree more, we have a team of 32 which is the largest UX team in Belgium – central to our ethos is that banking has to work on a practical level for our clients; we want to make it as frictionless and easy as possible to deal with us*, commented [Nico Permentier](https://www.linkedin.com/in/nico-permentier-691a509/?originalSubdomain=be), Head of UX Creation & Securities Design at KBC Bank.
*For us, customer experience is ease of use and solving problems. And ease of use is the easier your systems are, the more your clients will stay with you*, he said. He went on to point out a large correlation between ease of use and loyalty.
Balancing Technology and Human Touch
With that in mind the panel talked about some of the easy things to get right when it comes to customer experience and how to find the [balance between technology and the human touch](/hybrid-advisory-an-opportunity-to-boost-operational-effciency/).
*This is obviously more complicated than just having WhatsApp on one hand and Zoom on the other and try to orchestrate that to accommodate the conversation with the customer*, says [Luc Haldimann](https://www.linkedin.com/in/luchaldimann/), CEO of Unblu.
It comes down to how the various touchpoints with the customer can be embedded into the bank’s own systems in a secure, compliant way. Customers want the ease of use of Whatsapp, so that for example with just a click they could convert a chat into a video meeting and then log into the client portal during that meeting and in that way have a joined up, ‘live’ experience.
Haldimann adds that the digital touchpoints that came into the everyday during Covid-19 are now being refined.
*Conversations are moving step by step digital because they are more flexible. You can have early or late calls in the day and it removes the travel overhead too.*
– [Luc Haldimann](https://www.linkedin.com/in/luchaldimann/), CEO of Unblu.
Johnson said that when robot advisers were initially introduced, that the conversation was all about how wealthy clients would not want to use them and would still want to come for a face-to-face meeting. Since then, the conversation has moved on and now offering clients the actual choice is the thing that matters.
*Some people love coming into London and make a day of it, others are highly mobile and just don’t have the time. It’s about understanding the client and meeting their individual needs. Beyond mere segmentation, we need to be much more intentional about what we’re doing and be actively offering optionality at all stages of the client journey*, he says.
Enhancing Accessibility and anticipating Client Needs
Accessibility was also raised by the panel as important, particularly in the context of people living longer. With a focus on client language,
*An important thing is copy, what words you use on your application. Clients can block on a word. Your digital process can be easy with nice graphics and quick onboarding, but when your client sees a word he doesn’t understand, that’s when he loses trust and he’s gone*, stated [Permentier](https://www.linkedin.com/in/nico-permentier-691a509/?originalSubdomain=be)
Permentier and Van Der Deijl both referred to studies carried out in their respective countries and the importance of [supporting users during the process of digitisation](/onboarding-moves-beyond-in-the-overall-client-relationship/) and making sure that everything is fit for purpose and actually meets the needs of all clients no matter what their life stage. When it comes to pure segmentation in banking, says Eric, we’re still organised quite rationally but we’re also looking at individual client’s needs.
Being able to accurately anticipate those needs was also discussed. This is very pertinent in the context of the ‘Great Wealth Transfer’ and the need to have a whole of family / trusted adviser relationship before any wealth actually changes hands.
Johnson gave the example of a junior ISA, saying it had been transformative to the business in bringing in the younger generation.
*It created an anchor for the family and a hook into the business at an early age. But it is important to do this sort of thing from an authentic place and actively look to help with financial literacy and empower younger family members to take control of their finances.*
Embedding Investing from an early age
The panel all agreed the ultimately the battle was to convert people from being spenders to savers and to turn clients into investors, no matter what their age. Indeed, embedding investing into the psyche is something that wealth managers will need to be able to do at an early age to make sure they capture the investors of the future. In that context making things fun, having interactive apps and micro investing capabilities was seen as a good method of piquing interest.
If wealth managers want to retain existing clients, attract new ones and successfully go down the wealth scale that having the right interfaces and customer experiences, combined with the human touch, is mission critical.
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**Categories:** #ClientRelationship, #Digitalisation, #HybridAdvisory, Blog, Customer Experience
---
### [customer experience Unleashing the power of Customer Experience: designing for Client needs and expectations](https://objectway.com/unleashing-the-power-of-customer-experience-objectway-and-qorus-joint-webinar/)
**Published:** October 18, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Banks, insurers and other providers of funding realise they need to provide clients with an outstanding customer experience.
**Content:**
###### October 18, 2023
# Unleashing the power of Customer Experience: designing for Client needs and expectations
[Objectway](https://www.linkedin.com/company/objectway/)
[Sarah Kocianski](https://www.linkedin.com/in/sarahkocianski/)
Open Finance Community Leader at Qorus
customer experience
[\#ClientCommunication](/Client-communication/)[\#DigitalEngagement](/digital-engagement/)[\#DigitalCollaboration](/digital-collaboration/)[\#ClientRelationship](/client-relationship/)
Speakers from across the financial services industry recently shared insights into how companies in their sector can deliver the stand-out customer experience that’s vital for success in today’s digital age.
Financial services firms are racing to match the quality of the customer experience delivered by the likes of tech giants Amazon, Apple and Meta.
Banks, insurers and other providers of funding realise they need to provide clients with an outstanding customer experience. Unless they delight customers with readily accessible, personalised and intuitive digital offerings they will quickly be overtaken by more responsive competitors. What’s more, they’ll miss a host of new business opportunities that require companies to secure a close understanding of customer needs and aspirations.
But how can financial services firms revitalise relations with their customers? How can they deliver the high-quality customer experience that’s essential in today’s digital age?
Answers to these questions were shared during a recent online conference organised by the Open Finance Community of [Qorus](https://www.qorusglobal.com/) and Objectway, a software company that serves the financial services industry. Speakers from a variety of companies discussed how to develop and deliver a stand-out customer experience. Here are some key takeaways:
Involve all internal stakeholders
Customer experience projects that don’t involve all internal stakeholders often fail, warns [Roger Portnoy](https://www.linkedin.com/in/roger-portnoy-a16b67/), Chief Strategy Advisor at Objectway. Many companies, he says, make the mistake of just focusing on their clients and staff who engage with them when they look to improve the customer experience.
*It’s critical to engage all stakeholders in the value chain. That includes people in operations, compliance, risk control and governance,* notes Portnoy.
He adds that companies should bolster inhouse resources by pulling in external experts who can provide specific skills. Such expertise is likely to include design and visualisation, user experience testing, systems integration, omni-channel marketing and content creation.
Objectway boasts an impressive record in the design, development and roll-out of customer experience projects. The company, founded in Italy in 1988, has worked on more than 250 customer experience projects in nearly 50 countries. Details of Objectway’s customer experience approach and methodology are contained in the accompanying article.
treat customers as human beings
Financial services companies are directing considerable resources to promoting their products and describing the benefits of their offerings. But they frequently fail to connect with customers. Often the reason they come short is because they don’t recognise that their customers are human beings and not just consumers, says [Emel Çuhacı](https://www.linkedin.com/in/emelt/).
It’s vital that financial services providers understand the human emotions and impulses that drive customer decisions, argues Çuhacı.
Vice president of customer experience and conversational banking at [Emirates NBD](https://www.emiratesnbd.com/en), Çuhacı specialises in the application of neuroscience and neuromarketing in financial services. She advises institutions to build closer relations with customers by demonstrating how they improve peoples’ lives.
*When we talk about selling a mortgage what we are doing is enabling a customer and their family to live a better life. And when we sell an insurance package, we are helping the customer feel safer and be happier because their family is also safer,* says Çuhacı.
Drawing on academic studies of human behaviour, Çuhacı says five key traits of the human brain influence people’s decision-making. An understanding of these traits is important for the development of a successful customer experience. According to Çuhacı, the human brain is:
- Self-centred: When communicating with customers don’t focus on products or their features but rather concentrate on how the offering is going to benefit them.
- Responsive to contrasts: To convey a message effectively contrast situations, numbers and outcomes.
- Receptive to tangible entities: The human brain wants to touch, smell, taste, hear and see. Financial products are abstract concepts, so it’s essential to present product information visually.
- Motivated by emotions and memories: A customer’s memory of past experiences and the feelings they aroused will influence their future decisions. To overcome the effects of past bad experiences, it’s vital to deliver powerful “wow” moments that can restore positive perceptions.
- Focused on the beginning and end of experiences: Onboarding experiences and communications with departing customers need to be outstanding to retain customer loyalty and reduce churn.
Combine design thinking with lean and agile principles
By combining design thinking with lean and agile principles, financial institutions can enhance their digital innovation, says [Tracey Williams](https://www.linkedin.com/in/tracey-williams-3550a423/?originalSubdomain=za), Senior Designer Director at [Absa](https://www.absa.africa/)
Williams oversaw an extensive overhaul of the customer experience that the South African bank delivers to its home loans customers. The overhaul substantially improved customer satisfaction, increased the retention rate of applicants and boosted the performance of the bank’s home loans business.
*We reduced the application process from 40 minutes to 10 minutes, cut nearly 100 fields from the loan application system and enabled the bank to offer customers instant mortgages,* says Williams.
Absa’s customer experience project team used design thinking to better identify and understand the problems experienced by its home loans applicants. It then applied lean principles to focus its design, development and testing. Finally, it used agile concepts to manage the quick migration of its prototypes into working products.
Williams recalls four lessons the bank learned from this customer experience project.
- Gain a full understanding of the system so that problems can be properly remedied. A narrow focus on part of the system could result in a solution to one problem creating other problems elsewhere. Furthermore, such an approach could obscure further opportunities to improve innovation and enhance the customer experience.
- Clearly identify the customers whose problems are being addressed. A broad focus can dilute the effectiveness of the solution.
- Test early and test often. A hypothesis-based approach, which tests and validates prototype solutions, encourages collaboration and removes external biases.
- Set a vision. The project’s vision statement should be easily understood, inspirational, directed towards the future, focused on the customer and distinguish the product from competitor offerings.
Align customer experience with business strategy
A powerful customer experience can help financial services firms generate strong business growth. But when this customer experience is aligned with a company’s business strategy the results can be outstanding.
[Conrad Ford](https://www.linkedin.com/in/conradford/?originalSubdomain=uk), Chief Product and Strategy Officer at [Allica Bank](https://www.allica.bank/), says the customer experience the company delivers is at the core of its business strategy. And together they have propelled Allica to remarkable success. Revenues at the fast-rising UK neobank soared 534% last year, pushing the start-up into profitability in the second half of 2022, while its customer service ratings continue to impress.
Allica’s business strategy is to deliver outstanding banking services to what it calls established SMEs. These are small businesses that employ at least 10 people. The market offers significant revenue opportunities but tends to be neglected by the big banks. The requirements of established SMEs are too complex for consumer banking but don’t have enough value to warrant corporate banking services, says Ford.
Allica has developed an operating business model and proprietary technology platform that meets the specific banking requirements of its target market. The bank needed to design a customer experience that showed its commitment to building relationships with clients and also differentiated the company from competitors, says Ford.
The customer experience designed by Allica highlights four key features of the bank’s business strategy.
- It strives to be a lender that seeks ways to say yes to customers instead of searching for reasons to say no.
- Its relationship managers are encouraged to listen to customers rather than hide from them.
- It provides innovative products such as current accounts that reward customers instead of penalising them.
- It uses technology to foster closer relations with customers instead of making them more remote.
Study how consumers interact with digital services
Digital trailblazers such as Netflix and Spotify are setting the standard for companies looking to deliver a high-quality, on-demand customer experience. The digital services they provide offer an impressive blueprint for financial services firms eager to build closer ties with their customers.
*The first step we took when designing our new home banking product was to take a good look at how people were interacting with digital services. What stood out was the exponential growth in the popularity of on-demand entertainment platforms. They were quickly becoming second nature for their users,* says [ Gianvito Toscano](https://www.linkedin.com/in/gianvito-toscano-49aa7a43/?originalSubdomain=it), UX and QA lead at [Banca Widiba](https://www.widiba.it/campagna/canone?&cid=S_brand_CC_google_sem_CPC_banca&gclid=EAIaIQobChMIx8DlkLH9gQMV2UBBAh3eRg5vEAAYASAAEgJr7vD_BwE&gclsrc=aw.ds).
Toscano says Banca Widiba, an Italian neobank with a reputation for innovation, used insights from its study of consumers’ interaction with digital services to guide its design of a new home banking experience. Four features in stood out:
- Strong visual impact
- Modular
- Dynamic
- Progressively personal
Banca Widiba incorporated these features into its digital on-demand home banking experience.
*We want to provide our customers with tools that are not only easy to use but are also highly relevant and able to deliver a financial experience that is unique and adaptable to different situations,* says [Francesca Fichera](https://www.linkedin.com/in/francesca-fichera/), Brand Manager at Banca Widiba.
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---
### [customer experience Crafting a Comprehensive Client Experience Strategy: A Blueprint for Success](https://objectway.com/crafting-a-comprehensive-customer-experience-strategy-design-segregation-and-enhance-engagement/)
**Published:** December 7, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Crafting a client experience strategy involves understanding clients' behaviours, designing a personalized journey, and integrating engagement principles
**Content:**
###### December 08, 2023
# Crafting a Comprehensive Client Experience Strategy: A Blueprint for Success
[Roger Portnoy](https://www.linkedin.com/in/roger-portnoy-a16b67/)
CHIEF STRATEGY OFFICER AT OBJECTWAY
customer experience
[\#ClientExperience](/clientexperience/)[\#CustomerJourney](/CustomerJourney/)[\#DigitalEngamenent](/digital-engagement/)[\#Onboarding](/onboarding/)[\#Digitalisation](/digitalisation/)
In our industry, firms are inevitably presented with the great challenge: client engagement! Still, they may adopt different approaches to engaging when it comes to fulfilling needs through their [UI/UX design](/leveraging-a-strong-uxd-process-to-gain-your-clients-trust/) and value proposition. The Client Experience approach, as it turns out, is intricately linked to both the complexity of decision-making and the “emotional impact” those decisions have on clients. Whether your CE approach remains within a singular delivery model or takes on a multi-layered structure depends on several factors. These include the perceived risk that a client is an “exception,” the level of compliance and accountability within the relationship, and the intricate design and fulfilment of the value chain.
But let’s start from the very beginning.
Laying the Groundwork before the Actual Experience
First things first, the foundation of a robust client experience strategy lies in providing answers to fundamental questions that define your client’s journey. To set the stage for a successful strategy, you must delve into who your client truly is, what their goals encompass, and how they behave when interacting with your products, services, or applications. It’s equally vital to pinpoint the critical touchpoints that pave the way for desired behaviours and outcomes. At Objectway, we propose a three-tiered approach: Define who your customer is, Segment and Understand, to construct a profile that will inform your client engagement strategies. Once you’ve established a firm foundation, the next steps involve amplifying your client.
When we think about who the client is, we’re really thinking about what are their behaviours when they’re interacting with you: on a mobile channel or a digital web channel? Will their behaviour shift? Will the way that they interact with your application change? If it’s an internal user, will they need access to data that you couldn’t possibly deliver through one channel effectively, because of the complexity of that information? Considering all these variables means aligning experience design with behaviour, developing a personalized tone of voice that resonates with your clients, engaging them on an emotional level to create meaningful connections, and dissecting the business process to overcome challenges and friction points effectively.
A Two-Tiered Strategy
Building an effective client experience process necessitates a two-tiered strategy, eventually:
1\. Design Segregation
To start, segregate design from the process itself. Consider design as a self-fulfilling journey aimed at creating a “wow” factor. Visualization and branding play pivotal roles here, with design being granted its own dedicated stream of work.
2\. Identifying Engagement Principles
The second part of the equation revolves around identifying engagement principles. For instance, do customers want to input information manually, or can you automate data utilization to streamline their experience? These engagement principles will define where and how you interact with your clients, bridging design principles with engagement strategies to create a truly exceptional client experience.
When implementing and binding these various building blocks together you really focus on developing UI UX and your customer experience with four key objectives – the process and fully reap the benefits of digitalization:
- Ensure Compliance while still keeping the customer in the right place with the right behaviours and right mindset
- Maximize User Experience for all roles involved
- Digitize your workflows in a flexible manner
- & Integrate easily into your ecosystem
Toolkits for Success
At the heart of our methodology at Objectway are four toolkits that we make accessible to our customers. Among these, one is pivotal in orchestrating the delivery of exceptional service to the end customer. This service, often spanning multiple capabilities, is the keystone to delivering a remarkable customer experience. But here’s the catch: the critical step within this process is the act of onboarding. Onboarding, you see, it is both one of most complex and difficult areas, but when executed impeccably, it can yield the most favourable outcomes for both the provider and the solution provider.
In our world, we grapple with other facets as well, such as understanding the needs of intermediaries operating behind the scenes. Their engagement is a puzzle piece that must seamlessly fit into the larger client life cycle. It’s essential to establish a blueprint for how you intend to navigate your own life cycle, and we, at Objectway, craft cutting-edge technologies tailored for this very purpose.
As we continue our journey of innovation, these four toolkits remain our guiding stars, ensuring that we deliver excellence, compliance, and a hyper-personalized touch to every interaction.
Key Lessons. Your take away’s ready!
n a world where customer experience can be a key differentiator, a well-crafted client experience strategy can lead to enhanced client satisfaction, loyalty, and ultimately, business success. But to build a strategy you must be sure to involve all internal stakeholders, value-chain wide, in the process, collaborate with external experts who possess specific skills, leverage existing resources and technologies rather than building everything from scratch, reiterate rapidly, inform before release, and provide adequate training and continuously gather feedback and learn from client interactions to refine and improve your client experience strategy.
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---
### [customer experience Improving the Client Experience: Navigating the intersection of Technology and Personalisation in UK WM](https://objectway.com/improving-client-experience-navigating-a-seamless-transition-between-digital-and-human/)
**Published:** February 27, 2024
**Author:** Leonardo Scarpa
**Excerpt:** Compeer & Objectway convened with senior executives to delve into the evolving landscape of client expectations within the UK WM industry.
**Content:**
###### February 27, 2024
# Improving the Client Experience: Navigating the intersection of Technology and Personalisation in UK WM
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
BUSINESS DEVELOPMENT DIRECTOR
customer experience
[\#Automation](/automation/)[\#ClientExperience](/clientexperience/)[\#CustomerJourney](/customerjourney/)[\#DigitalEngagement](/digital-engagement/)[\#Onboarding](/onboarding/)[\#OfferingEvolution](/offering-evolution/)
In a dynamic meeting of minds, Compeer and Objectway recently convened with senior executives representing various firms (with various levels of AUM) to delve into the ever-evolving landscape of client expectations within the UK wealth management industry. While a comprehensive report detailing these insights is forthcoming, let’s take a moment to reflect on some of the key themes that emerged from the discussion.
Technology Integration: A Fundamental Shift
Firms are increasingly recognising the imperative to integrate cutting-edge technologies into their digital offerings, spanning client portals, mobile applications, client reporting, and onboarding processes. While fundamental features such as reporting and secure messaging have been successfully incorporated, there’s a palpable desire for further innovation. Functions like video calls have notably elevated client-facing technologies, resulting in an enhanced overall client experience. However, this progress also presents a challenge: with many firms having mastered the basics, there’s a growing emphasis on differentiation.
The human touch amidst digital advancements: striking a balance
Despite the surge in digital capabilities, there remains a profound appreciation for human interactions. While digital platforms excel in handling mundane tasks, thereby enhancing automation, clients still value interaction with financial professionals for more complex financial matters and tasks – i.e. reviewing investments, getting financial advice or any sort of financial planning. This underscores the importance of offering a seamless transition between digital convenience and human expertise. Objectway’s modular service, designed for a hybrid working model, epitomises this blend of technology and personalisation, ensuring maximum client engagement while keeping the client experience at the forefront.
As the basic offerings among wealth management firms converge, the onboarding experience emerges as a crucial differentiator. Firms must expand their range of investment products while [crafting a unique client experience](/unleashing-the-power-of-customer-experience-objectway-and-qorus-joint-webinar/) that seamlessly integrates the human touch with efficient digital interfaces. By leveraging technological investments to streamline front-office operations, firms can alleviate the administrative burden on staff, allowing them to devote more time to client engagement, thereby gaining a competitive edge.
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---
### [customer experience How to Improve the Client Experience: The Never-Ending, Ever-Evolving Quest for Excellence](https://objectway.com/how-to-improve-client-experience-growing-demand-for-engagement-and-technology-potential/)
**Published:** March 21, 2025
**Author:** Lorenzo Noventa
**Excerpt:** Il modo in cui i clienti interagiscono con gli advisor sta cambiando: tecnologia, personalizzazione e interazione favoriscono una collaborazione attiva.
**Content:**
###### MAR 21, 2025
# How to Improve the Client Experience: The Never-Ending, Ever-Evolving Quest for Excellence
Objectway
Customer experience
[\#Clientrelationship]()[\#DigitalEngagement](/digital-engagement)[\#Hyperpersonalisation](/hyper-personalisation/)[\#PortfolioOptimisation](/portfolio-optimisation/)
Wealth management is at a turning point (as it always is after all). A recent roundtable discussion, hosted by Compeer and Objectway, brought together senior executives from UK wealth management firms to share insights and explore how the industry can improve the client experience. Two key themes emerged: high-net-worth investors are more engaged than ever, demanding frequent interactions with their advisors and seamless digital experiences; however, firms are struggling to harness technology effectively. But with the right strategies, there’s a clear path forward.
The Growing Demand for Engagement
The trend seems undeniable – clients want more frequent interactions. Nearly two-thirds of high-net-worth investors engage with their advisors at least quarterly, and half of them want monthly check-ins. Even more striking, 54% of those who engage regularly believe communication frequency needs to improve significantly, with many considering switching firms if their expectations aren’t met.
Younger investors and smaller portfolio holders are leading the charge, frequently checking their investments online. Family offices are also increasingly instructing teams to monitor portfolios digitally. This shift signals a fundamental change in how wealth management firms must engage with clients, combining digital convenience with personalised service.
Technology: A Double-Edged Sword
The discussion at the roundtable quickly turned to technology. The consensus? While technology has enormous potential to improve client experiences, many firms aren’t using it effectively. Data is fragmented, AI solutions struggle without structured information, and CRM inefficiencies create bottlenecks. Without proper data management, even the most advanced digital tools fall short. To address these challenges, firms are strongly focusing on three areas:
- Centralizing Data: Efficient data utilisation will enhance the onboarding process and create a more personalised client experience.
- Blending Digital with Human Touch: A hybrid approach, leveraging technology while maintaining face-to-face relationships, is essential
- Enhancing Client Portals: Investors are already engaging with online platforms, but they need intuitive and user-friendly features, not changes that feel forced upon them.
Measuring and Improving Client Experience
The reality is, gathering meaningful feedback is difficult. Surveys are conducted periodically, but responses often focus on fees and portfolio performance rather than broader service quality. To combat this, some firms are turning to AI-driven analytics and more interactive digital surveys.
A key insight from the discussion was that clients prefer fewer, more impactful updates rather than constant small changes. Thoughtfully planned platform enhancements – communicated in advance – make a greater impact than frequent minor tweaks. Introducing client panels to gather ongoing feedback and ensure digital offerings align with investor needs emerges as a common practice as well.
The Path Forward
The message from the roundtable was clear: wealth management firms need to embrace a hybrid approach—leveraging technology while maintaining the personal relationships that define the industry. Key priorities moving forward include investing in data management to unlock the full potential of AI and digital tools, enhancing client portals to provide seamless, intuitive experiences, balancing digital transformation with personalised client service and implementing structured feedback mechanisms to drive meaningful improvements.
Will this ensure the greatest client experience? Certainly not. However, it’s crucial to recognise that client experience isn’t a fixed metric – it’s a moving target. Wealth management firms must remain agile, adapting their strategies to stay ahead of client expectations. By continuously refining their approach and investing in both technology and personal service, they can build long-term trust and satisfaction. As high-net-worth clients become more discerning and technologically savvy, firms that prioritise seamless, personalized experiences will not just meet but exceed their clients’ evolving needs. In a rapidly changing landscape, those who innovate and adapt quickly will be the ones that not only survive but thrive!
Innovazione attraverso l’interazione
Il momento del confronto tra cliente e advisor, in questo contesto più complesso, diventa particolarmente delicato. Non sempre le informazioni preparate in anticipo sono sufficienti per gestire la discussione in tempo reale. È qui che la tecnologia può fare la differenza, abilitando interazioni dinamiche e immediate tra l’advisor e la piattaforma, rendendo possibile la valutazione di nuovi scenari e what-if durante l’incontro.
Immaginiamo un futuro prossimo in cui l’advisor non dovrà più muoversi tra moduli e funzioni, ma potrà dialogare direttamente con la piattaforma, magari attraverso assistenti vocali o interfacce AI. L’advisor potrebbe chiedere in tempo reale alla piattaforma di considerare un nuovo scenario, e ottenere immediatamente un’analisi che risponda alle esigenze del cliente. Questo approccio, già anticipato dagli assistenti vocali che utilizziamo nella nostra quotidianità, sarà un vero e proprio driver di innovazione.
La direzione del mercato è chiara: una tecnologia sempre più intuitiva e dialogante, che non solo ottimizzi i processi ma che sappia abilitare un’interazione ricca e personalizzata tra advisor e cliente.
**RELATED POST**
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### A Glimpse into the Future of Wealth Management
[](/compeer-annual-industry-review-2024-a-glimpse-into-the-future-of-wealth-management/)
Market Trends
### Scalability in UK Wealth Management: Turning Challenges into Opportunities
[](/scalability-in-uk-wealth-management-the-key-for-increased-value-added-time-for-front-office-staff/)
Digital Trasformation
### Engaging the Next Generation of Investors: Embracing Digital Innovation for Lasting Impact
[](/engaging-the-next-generation-of-investors-through-digital-innovation/)
**Categories:** #ClientRelationship, #DigitalEngagement, #HyperPersonalisation, #PortfolioOptimisation, Blog, Customer Experience
---
### [Business Reconfiguration La Frontiera Efficiente dei Processi di Middle & Back-Office](https://objectway.com/la-frontiera-efficiente-dei-processi-di-middle-back-office/)
**Published:** April 16, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Si è reso necessario operare una significativa semplificazione delle attività avviando un’iniziativa di Digital Workflow Management.
**Content:**
###### APRIL 16, 2021
# La Frontiera Efficiente dei Processi di Middle & Back-Office
[Omar Silvano Gallina](https://www.linkedin.com/in/omar-silvano-gallina-61470b27/)
Market Solution Director
Business Reconfiguration
[\#Automation](/automation/)[\#RoboAdvisory](/robo-advisory/)[\#Digitalisation](/digitalisation/)[\#BackOffice](/back-office/)[\#Artificialintelligence](/artificial-intelligence/)
Nell’ultimo decennio le attività manuali e di controllo sono cresciute a causa delle recenti evoluzioni normative, dell’introduzione di nuovi prodotti e di nuovi modelli di vendita, obbligando il mercato ad aumentare le risorse dedicate al Middle & Back-Office.
Queste novità hanno creato discontinuità con il passato per consentire al Back-Office di dedicarsi ad attività di maggior valore automatizzando le attività ripetitive.
Si è quindi reso necessario ripensare ai processi di Middle-Office di negoziazione e di Middle& Back-Office finanziari, operando una significativa semplificazione delle attività e avviando un’iniziativa di Digital Workflow Management che consenta di controllare, instradare ed inviare in modo automatico gli ordini generati dai processi di consulenza avanzata, con l’archiviazione a norma di tutta la documentazione inerente gli investitori superando i limiti dei processi end to end.
Questo permette di essere time to market, di annullare il rischio di errore dovuto al passaggio di informazioni tra più sistemi, completando le attività automatizzate in pochi secondi e di aumentare la qualità del dato, automatizzando il 99% dei controlli e digitalizzando il 95% dei report a supporto delle attività. In questo modo l’intervento dell’operatore sarà richiesto solo per casi particolari o a seguito di anomalie riscontrate, mentre potrà essere sempre attiva la tracciatura della pratica che include gli stati in cui essa si trova e gli operatori che sono stati coinvolti nella lavorazione della stessa nelle diverse fasi attraversate.
Tramite la stessa piattaforma Cloud, le strutture di Middle & Back-Office avranno a disposizione cruscotti di monitoraggio dedicati, con filtri di ricerca per pratica, cliente e advisor che in pochi secondi permettano l’accesso diretto alla documentazione ed alle note ad essa correlata, il tutto archiviabile nel rispetto della GDPR su piattaforme di Document Management.
Automatizzare i processi con la RPA
Già a fine 2019, a causa della pandemia Covid si è reso necessario accelerare i processi di digitalizzazione, dematerializzazione e automazione e per molte realtà è stato indispensabile rendere operativi da subito nuovi modelli di lavoro ed erogazione dei servizi, nonché abilitare l’automazione dei processi al fine di potenziare l’efficienza operativa, migliorare la customer experience e liberare capacità e competenze verso attività a maggior valore aggiunto.
Partendo dall’assunto che l’acquisizione dei dati è il vero motore delle informazioni e che per acquisire questa tipologia di dati serve la tecnologia, è consigliabile introdurre nei processi operativi una soluzione RPA che abilita lo smistamento automatico delle informazioni e permette la digitalizzazione dei processi come l’apertura dei mandati, l’esecuzione degli ordini e la dematerializzazione dei supporti cartacei.
Vediamo come si articola un processo di lavoro in cui non interviene la RPA: - Ricevimento dei plichi postali
- Spunta della distinta e della documentazione
- Smistamento della documentazione
- Dematerializzazione tramite stampanti o scanner
- Controllo email con relativi allegati e archiviazione
- Inserimento dati manuali
- Riconciliazione informazioni e dati
Lo stesso processo, in seguito all’introduzione della RPA, evolverebbe nel seguente modo: - Abilitazione alla lavorazione delle pratiche cartacee presenti nella coda di elaborazione
- Utilizzo della robotica nella lettura dei documenti per estrapolare le informazioni utili
- Utilizzo di una dashboard per la gestione del workflow operativo e dei sospesi
- Gestione automatica di un processo di data validation e data quality
- Automazione dei controlli e delle segnalazioni di eventuali anomalie o casi particolari
- Gestione del processo step by step per le pratiche che prevedono un’operatività dilazionata nel tempo o per la gestione dei sospesi
- Alimentazione di archivi o strumenti digitali a supporto degli operatori come scadenzario, promemoria, avvisi
- Messa a disposizione del cliente di tutte le informazioni necessarie
Ovviamente questo nuovo modo di lavorare costringerà a modificare le attuali strutture dei Back-Office che vedranno diminuire le attività manuali verso l’attività di analisi dati e quindi le risorse potranno finalmente dedicare la maggior parte del loro tempo all’interpretazione degli output piuttosto che alla mera attività di data entry e controllo delle informazioni.
In questo modo, la prossima e non lontana frontiera sarà rappresentata dall’uso della Blockchain e dell’Intelligenza Artificiale.
**RELATED POST**
Objectway
### Objectway BPaaS
[](/bpaas/)
**Categories:** #ArtificialIntelligence, #Automation, #BackOffice, #Digitalisation, #RoboAdvisory, Blog, Business Reconfiguration
---
### [Business Reconfiguration How digital change will enable scale](https://objectway.com/how-digital-change-will-enable-scale/)
**Published:** November 10, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** There is a massive opportunity in terms of major competutive advantage within the sector to improve efficiency and scalability through digital change
**Content:**
###### NOV 10, 2021
# How digital change will enable scale
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
CLIENT DEVELOPMENT DIRECTOR
Business Reconfiguration
\#Scalability[\#Digitalisation](/owintalk/digitalisation)
The ability to continually support increased volumes of business without disproportionately adding headcount or other overheads is a true measure of scalability, and a key goal for Operations and IT departments to deliver growth and profitability. Achieving scale is one of the main and most difficult challenges currently faced by wealth managers. Indeed the majority of firms have NOT been able to grow in a scalable fashion over the past 5 years. Although revenues have increased during this time for over 80% of firms and almost the same number (80%) are profitable, the majority of firms have actually seen their margins decrease. In fact, total revenue has increased by 19.8% but this is out stripped by the rise in costs of 23.8% over the same period.
One of the main reasons for the decrease in margin is the cost of (maintaining) inefficient IT and Operations.
Why are firms NOT scalable?
Most firms are burdened with multiple legacy IT systems that were not designed to integrate with other third-party systems. As a result, firms have had to make do through a number of patches and manual workarounds which are time consuming and error prone. Firms have had to keep building around and on top of their current systems with the knock on effect of adding people and processes. Bearing this in mind, it is not surprising that the industry is currently woefully inefficient with respect to IT and Operations. This is reflected in the wide range of the cost of IT and Operations as a percentage of revenue. Compeer’s latest data shows that although the median for IT spend is close to 11%, the range is from <6% to>30%. Overall, there is currently a negative correlation between IT spend and profitability in the market.
How will digital change help?
Firms know that changing and simplifying their IT estate is necessary to enable scale. They also realise that the traditional (often high risk) ‘big bang approach’ to change is no longer the only option: there is a shift in the market to consider flexible modular architecture. During a recent Parkwell webinar, Objectway shared some insights on how one of their clients has recently successfully scaled their business through incremental change. This involved a multi-phase approach whereby an integrated front and back-office replaced a legacy system to enable automation and end-to-end straight-through processing. The result was that Investment Managers were given back time to spend on value-added client-facing tasks, also monitoring client preferences and rebalancing in real time, to offer a more personalised service at scale. Their AUM more than doubled over the past 5 years, with profits increasing by more than 30%. Crucially their headcount has not had to increase in that time leading to scalable growth.
Overall, there is a massive opportunity in the sector to improve efficiency and scalability through digital change. Firms who embrace this are likely to have a major competitive advantage with respect to achieving growth and scale. Firms who do not will certainly lose out and be left behind by clients.
**RELATED POST**
Customer Experience
### Digital change: the magic solution?
[](/digital-change-the-magic-solution/)
Digital Transformation
### The digital agenda outlook, for wealth managers
[](/the-digital-agenda-outlook-for-wealth-managers/)
**Categories:** #Digitalisation, #Scalability, Blog, Business Reconfiguration
---
### [Business Reconfiguration Outsourcing spotlight: Take advantage of world-class capabilities & focus on your core business](https://objectway.com/outsourcing-spotlight-take-advantage-of-world-class-capabilities-focus-on-your-core-business/)
**Published:** April 28, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Outsourcing is a valuable strategy to lower operational costs, increase efficiency and flexibility, and allow businesses to focus on high-value activities
**Content:**
###### APR 26, 2022
# Outsourcing spotlight: Take advantage of world-class capabilities & focus on your core business
[Marianna Vilardi](https://www.linkedin.com/in/marianna-vilardi-1bb057163/)
MARKETING CONTENT CREATOR
Business Reconfiguration
[\#DigitalChange](/owintalk/digitalchange/)[\#DigitalCollaboration](/owintalk/digital-collaboration/)[\#RegTech](/owintalk/regtech/)[\#Sustainableinnovation](/owintalk/sustainable-innovation/)
Outsourcing is now increasingly gaining ground, it appears most of the industry agrees on that and extensively confirm that outsourcing is a valuable strategy for firms to lower operational costs, increase efficiency and flexibility, and allow businesses to let go of non-core tasks and better focus on more strategic, high-value activities, taking advantage of access to state-of-the-art technology to further innovate and grow.
Objectway surveyed professionals among banking and wealth management to investigate recent outsourcing trends, how they are currently shaping the industry and reveal the ultimate, key benefits.
Reasons why
The main reasons that our respondents make strong use of outsourced IT are because of a lack of internal resources (29%) and to gain the ability to access world-class capabilities (26%). Indeed, the combination of specialisation and expertise offered by world-class providers who invest in technology, methodologies and people, gives them a competitive advantage and helps customers to avoid the cost of cutting-edge technology and training.
Speed to market (17%), cost reduction (17%) and flexibility (11%) are also deeply looked into when deciding whether to outsource or not, but the access to specialised resources and latest technology is considered fundamental.
Delving into the market, we see the majority of firms (43%) is looking for IT Outsourcing, covering infrastructure, software development and application management. Within the industry, 22% is particularly interested in Business Process Outsourcing to better handle certain tasks – help desk and customer service calls for example – improve productivity, customer satisfaction and team morale.
For the extreme relevance outsourcing has for your firm, it is essential to select the right provider. Competencies, experience (22%) and commitment to quality (22%) are the top key factors evaluated. Still, 20% of professionals surveyed selected price as a differentiating element. A cheap price may attract, but we reckon that it pays to compare and find out what providers effectively offer and how they distinguish themselves from the competition.
In addition, the one-stop shop model has its own niche (13%). It means providing convenience and efficiency to clients in order to gain loyalty as well as increase revenue.
Expertise or strategic thinking?
The key skills required to gain real strategic value from third-party relationships are identified as deep subject matter expertise (26%) and technical skills (21%), together with strategic thinking (21%). The real advantage of outsourcing is to use it as a tool to drive strategic value and transform businesses as a catalyst for change. So, forget what you think you know about outsourcing and rely on the expertise your outsourced service provider offers in terms of skills that your business lacks.
On the other hand, providers must ensure they have the right offering to meet banks and wealth managers demands and do their homework on the fulfilment of regulatory requirements and ESG considerations.
Challenges: Regulatory compliance and organisation resistance
According to our respondents, the main challenges for existing outsourcing relationships are ensuring ongoing regulatory compliance (29%) and defining provider responsibilities (21%).
Internal organisational resistance (14%) also present challenges; one way that business managers can attempt to reduce resistance to outsourcing is by educating employees about the benefits of outsourcing.
Among benefits, focusing on the core business (28%) and gaining access to skilled resources (25%) are highly valued, while cost advantages (10%), increased efficiency (12%) and reduced risk (12%) are all factors the industry is already familiar with and do not come as a surprise, but rather a further confirmation.
We often think about outsourcing purely in terms of cost savings, but it is mainly a catalyst for digital transformation through the access it gives to innovation and the latest technology. As the business grows, outsourcing can be a way to promote innovation, disrupt your industry, and access new skill sets that can reposition the firm in the market.
[Download the Survey Report and discover all the key findings!](https://www.objectway.com/download-survey-report-explore-outsourcing-trends/)
**RELATED POST**
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### Investigating Wealth Tech: trends that will be driving the next moves
[](/investigating-wealth-tech-trends-that-will-be-driving-the-next-moves/)
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### Into 2022: tomorrow never comes, that’s why you should Perform Today
[](/into-2022-tomorrow-never-comes-thats-why-you-should-perform-today/)
**Categories:** #DigitalChange, #DigitalCollaboration, #Regtech, #Sustainableinnovation, Blog, Business Reconfiguration
---
### [Business Reconfiguration Digitalizzare i processi di Gestione Patrimoniale](https://objectway.com/digitalizzare-i-processi-di-gestione-patrimoniale/)
**Published:** May 3, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Offrire soluzioni che permettano un elevato livello di personalizzazione contemporaneamente ad un approccio industriale alla gestione dei portafogli
**Content:**
###### MAY 03, 2022
# Digitalizzare i processi di Gestione Patrimoniale
[Armando Nicoli](https://www.linkedin.com/in/armando-nicoli-97570722/)
Product Manager
Business Reconfiguration
[\#Efficiency](/owintalk/efficiency)[\#Automation](/owintalk/automation)
La trasformazione digitale rivoluziona progressivamente i modelli di business e porta a nuove opportunità per le organizzazioni. I soliti metodi di gestione e supporto dei processi lasciano ampio spazio all’automazione, come conseguenza di un imperativo che si fa spazio nel settore, ovvero implementare modelli operativi digitali che permettano una crescita efficiente e sicura.
Nel tempo, si è ampiamente parlato di gestioni patrimoniali con grandi volumi di clienti e portafogli. Ma il gestore ha il compito di selezionare accuratamente gli strumenti di investimento, di stabilire in che modo ed in quale mercato investire in funzione dei propri prodotti e a seconda dei profili di rischio e rendimento, non può dunque concentrare le proprie energie e impiegare il proprio tempo per trattare le molteplici richieste operative quotidiane dei singoli clienti, tipiche di un servizio su base individuale.
Per rispondere a questa problematica, alle organizzazioni è data la responsabilità di adottare soluzioni automatiche di elaborazione, classificando le varie tipologie di operatività da trattare in maniera massiva.
All’interno del contesto delle gestioni patrimoniali su base individuale, è dunque necessario offrire soluzioni che permettano un elevato livello di personalizzazione contemporaneamente ad un approccio industriale alla gestione dei portafogli. La convivenza di questi due elementi comporta liberare il gestore da una serie di attività e trasferire sulla macchina determinati processi.
Si tratta di un sistema fortemente complesso, dove automatizzare significa modellare correttamente i processi che si desiderano trattare in maniera massiva – comprendere dunque in che modo questi si snodano attraverso le loro fasi, quali controlli devono essere implementati, quali le regole di movimentazione dei portafogli. Tale sistema offre l’opportunità per il gestore di soddisfare con la massima efficienza un elevato livello di personalizzazione perché sollevato dall’operatività manuale e dai conseguenti tempi di lavorazione ed attesa.
La sfida da affrontare è dunque duplice: da una parte, garantire l’automazione dei processi, dall’altra assicurare un livello di personalizzazione notevole, studiato sul singolo cliente ed il suo portafoglio. Alla luce di quanto detto, un’iniziativa di successo non riguarda unicamente la corretta ed avanzata tecnologia, ma richiede la necessità del fattore umano.
Questo approccio garantisce vantaggi in termini di maggiore personalizzazione e maggiore velocità, efficienza ed accuratezza operativa ma anche costi sensibilmente ridotti e l’azzeramento degli errori operativi tipici dei processi manuali. L’automazione applicata in questi contesti offre dunque l’opportunità di affrontare le sfide sempre crescenti del settore e creare un sistema operativo più [sistema operativo più efficiente, scalabile e controllabile](https://www.objectway.com/download-research-using-digital-change-to-enable-front-office-scalability/).
La chiave per vincere una tale sfida è affidarsi ad un provider con un elevato livello di expertise, che intenda l’automazione in termini di catalizzatore di standardizzazione ed implementi la soluzione con competenza ed esperienza, per ottimizzare e snellire i processi, ottenendo benefici in termini di semplificazione degli stessi e onorando così il principio di personalizzazione proprio della gestione individuale.
**RELATED POST**
Performance & Risk
### Trasformare le crisi dei mercati finanziari in opportunità per ottimizzare la gestione dei portafogli
[](/owintalk/come-ottimizzare-portafogli-e-investimenti-per-fronteggiare-crisi-finanziarie/)
**Categories:** #Automation, Blog, Business Reconfiguration
---
### [Business Reconfiguration Investire in qualità garantendo l’efficienza](https://objectway.com/investire-in-qualita-garantendo-lefficienza/)
**Published:** September 20, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** L’efficienza di un processo si misura solo con il contenimento dei costi? E’ la qualità dell’output ed il suo valore aggiunto l’obiettivo a cui puntare.
**Content:**
###### SEP 20, 2022
# Investire in qualità garantendo l’efficienza
[Adriana Sini](https://www.linkedin.com/in/adriana-sini/)
BPO Service Operation Director at Objectway
Business Reconfiguration
[\#HybridAdvisory](/hybrid-advisory/)[\#Portfoliomanagement](/portfolio-management-h/)[\#Offeringevolution](/offering-evolution/)
Rendere i processi efficienti è certamente uno dei mantra delle aziende con l’obiettivo finale di diminuire sensibilmente i costi ad essi correlati.
Ma l’efficienza di un processo si misura solo con il contenimento dei costi? Dovrebbe essere un fattore importante da considerare, ma non il fine ultimo di un processo efficiente.
Il primo step da non sottovalutare all’atto del lancio di un progetto correlato all’aumento di efficienza è la declinazione dei risultati attesi. La riduzione dei costi è un possibile risultato ma l’obiettivo principale deve essere focalizzato sulla qualità dell’esito finale, che può essere tanto più elevata quanto più il processo è efficiente.
Vedere l’efficienza come investimento in qualità non è così scontato e rappresenta un cambiamento di visione molto importante nella vita di un’azienda. E’ quindi la qualità dell’output, ed il suo valore aggiunto, l’obiettivo a cui puntare.
Queste valutazioni sono la base dello studio di fattibilità al momento dell’avvio di un progetto correlato all’efficienza. Lo studio di fattibilità deve permettere di valutare: - i risultati attesi a fronte degli investimenti necessari
- la qualità finale ottenibile ed il suo valore aggiunto
- i rischi correlati alle modifiche di processo
Il risultato di tale fase è tanto più accurato e attendibile quanto più l’analisi è approfondita e prende in esame, a parte il flusso standard di processo, quante più eccezioni possibile, correlandole alla loro numerosità ed al rischio operativo di non lavorarle correttamente.
Peraltro, un esito possibile dell’analisi di fattibilità potrebbe anche essere quello di non portare avanti il progetto di efficienza originariamente ipotizzato.
Troppo spesso, all’atto della presentazione dei risultati dello studio iniziale, l’attenzione di chi deve approvare il progetto è focalizzata sui risparmi economici conseguibili a breve: il possibile valore aggiunto conseguibile nell’output, la puntualità, la precisione, la riduzione dei rischi operativi sono messi in secondo piano rispetto al fattore costi.
Naturalmente i costi sono parametrizzati al risultato, ma è necessario un cambio di mentalità per considerare di raggiungere una qualità più elevata anche a fronte di una parità dei costi di processo.
Un partner che offre servizi integrati di piattaforme applicative all’avanguardia e servizi di Business Process Outsourcing ha nel proprio DNA la massima efficienza in termini di qualità dei servizi offerti, con attenzione ai costi, ma investendo sempre in soluzioni innovative e all’avanguardia.
Vanno in questa direzione progetti di RPA (Robotic Process Automation) pensati e realizzati per standardizzare processi manuali, per i quali i rischi operativi sono spesso significativi, con l’obiettivo finale di realizzare output completi, precisi, puntuali e soprattutto con una drastica riduzione del rischio.
Elemento chiave per il successo di un progetto di efficienza è quindi la scelta del partner di riferimento, che deve configurarsi come un centro di eccellenza in cui operino professionisti specializzati in robotizzazione e AI, in stretta collaborazione con esperti di processo.
**RELATED POST**
Efficiency
### La Frontiera Efficiente dei Processi di Middle & Back-Office
[](/la-frontiera-efficiente-dei-processi-di-middle-back-office/)
Efficiency
### Digitalizzare i processi di Gestione Patrimoniale
[](/digitalizzare-i-processi-di-gestione-patrimoniale/)
Efficiency
### Outsourcing spotlight: Take advantage of world-class capabilities & focus on your core business
[](/outsourcing-spotlight-take-advantage-of-world-class-capabilities-focus-on-your-core-business/)
**Categories:** #HybridAdvisory, #Offeringevolution, #PortfolioManagement, Blog, Business Reconfiguration
---
### [Business Reconfiguration Business Process Automation: A Successful Implementation](https://objectway.com/unveiling-the-benefits-of-business-process-automation/)
**Published:** March 15, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway addressed the client’s needs of streamlining operational activities, thus reducing cost and processing times, while improving accuracy
**Content:**
###### MAR 15, 2023
# Business Process Automation: A Successful Implementation
[Barbara Gentile](https://www.linkedin.com/in/barbara-gentile-3722782/)
Product Marketing Manager
Business Reconfiguration
[\#DigitalChange](/owintalk/digitalchange)[\#Digitalisation](/owintalk/digitalisation)[\#Automation](/owintalk/automation)[\#RoboAdvisory](/owintalk/robo-advisory/)
Objectway addressed the client’s needs of streamlining operational activities relating to both data digitisation and processing of a massive volume of contractual documents, thus reducing both cost and processing times, while improving accuracy.
The implementation considerably reduces processing times, increasing scalability and focusing human resources on value added activities.
Unveiling the Benefits of Business Process Automation
Our client was an asset management firm with more than €15 billion in assets under management (AUM) and 12 investment finds with over 70,000 accounts. It now manages 200-300 new contracts per day, processing 400 to 700 entries per week. It has over 70,000 active accounts, and this is growing continuously with over 30 asset management lines, covering both individual and business accounts.
The goal was to streamline operational activities related to both data digitisation and processing of a massive volume of contractual documents, through process automation. The objectives also included achieving benefits in terms of efficiency and accuracy, thereby reducing both cost and processing times.
The answer to these challenges was Business Processing as a Service (BPaaS) activities combined with Robotic Process Automation (RPA) technology to provide operational efficiency via an upgrade in accuracy and reduced error rates.
The robotic system takes care of document reading, through an OCR conversion system and extracts data and information. Real-time monitoring is carried out by a dedicated dashboard providing metrics, errors and alerts. It also allows a drill down into the detail of the underlying events for resolution and analysis. The system also verifies that the data extracted from the documents and the back-office application are consistent. The first control is related to congruity, while the second to consistency. A further step is to enter payments made by customers in the management system, retrieving data from the home banking application through an integration created specifically for the customer.
The automation plays applied to this project gave the client the chance to meet the ever-increasing challenges of this market head on with process efficiency and better data management. The implementation considerably reduces processing times and adds scalability. Going forward the increased volumes of files to be examined will not require an increase in the amount of resource assigned to the process. This has meant that the client now has the capacity to extend the range of checks to cover all transactions made by the customers including new elements that were not considered in an initial stage of analysis.
The resulting enhanced efficiency also means less time is now spent on manual processes and freeing up employees to focus on more value-added activities. Indeed, human interaction should focus on activities that can add value, such as management of exceptions reported by the solution’s robot.
[Read the full case study](https://www.objectway.com/download-case-study-unveiling-the-benefits-of-business-process-automation/)
**RELATED POST**
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### Operational Efficiency: a positive effect on the bottom line
[](/operational-efficiency-a-positive-effect-on-the-bottom-line-the-wealthtech-report-2023/)
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### Robotising Your Business Process
[](/robotising-your-business-process/)
Digital Transformation
### Digital Wealth Management: Automation and Cost Reduction to Create Value
[](/digital-wealth-management-automation-and-cost-reduction-to-create-value/)
**Categories:** #Automation, #DigitalChange, #Digitalisation, #RoboAdvisory, Blog, Business Reconfiguration
---
### [Business Reconfiguration Unlocking Back-Office Potential & Operational Excellence in UK Wealth Management](https://objectway.com/unlocking-back-office-potential-and-operational-efficiency-in-uk-wealth-management/)
**Published:** May 13, 2024
**Author:** Leonardo Scarpa
**Excerpt:** The recent roundtable hosted by Compeer & Objectway aimed to explore avenues for improvements and harness technology to drive productivity in UK.
**Content:**
###### May 13, 2024
# Unlocking Back-Office Potential & Operational Excellence in UK Wealth Management
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
BUSINESS DEVELOPMENT DIRECTOR
business reconfiguration
[\#BackOffice](/back-office/)[\#Businessdevelopment](/businessdevelopment/)[\#FrontOffice](/front-office/)[\#PortfolioOptimisation](/portfolio-optimisation/)[\#Onboarding](/onboarding/)
The recent roundtable discussion hosted by Compeer and Objectway brought together esteemed leaders from across the UK wealth management spectrum – each representing firms with varying levels of AUM. Against the backdrop of escalating operational costs, this time the discourse focused on identifying inefficiencies, exploring avenues for improvement, and harnessing technology to drive productivity.
Operational costs, specifically the non-staff related ones, have been on a relentless upward trajectory over the past decade. However, participants acknowledged that they would need to invest more in enabling automation in this area to ensure [greater operational efficiency](/operational-efficiency-a-positive-effect-on-the-bottom-line-the-wealthtech-report-2023/) and help to achieve scale as opposed to having to introduce more manual processes as was often the case.
Technology emerged as a pivotal enabler in the quest for improved productivity. Indeed, all of the group were either already engaged in technology change projects or were about to embark on them. From the right technology being implemented into the digital infrastructures, to embracing self-servicing capabilities for clients, the consensus leaned heavily towards leveraging technology to alleviate pressure on both the back and front offices and give back time to employees for more value-added tasks and outcomes. Enhanced methods for measuring productivity and refining KPIs were also identified as crucial components in this evolution.
Amidst the myriad of potential initiatives, participants emphasised the importance of establishing clear priority lists for internal projects. With a focus on projects yielding tangible monetary value, there was a call for investments to not only target the back office but also extend to the front office. This holistic approach underscores the overarching goal of improving the overall operational efficiency of wealth management firms.
A key takeaway from the discussion was the symbiotic relationship between operational efficiency and revenue growth. By redistributing workload, optimising processes, and embracing technological advancements, firms stand to not only enhance productivity but also attract additional clients to the market, ultimately bolstering revenue streams.
In essence, the roundtable discussion served as a catalyst for introspection within the UK wealth management industry. As firms navigate the evolving landscape, the imperative for back-office transformation looms large, with technology, strategic prioritisation, and a holistic approach emerging as the cornerstones of operational excellence. By embracing these principles, wealth management firms can chart a course towards sustained growth and competitive advantage in an increasingly dynamic environment.
**RELATED POST**
Customer Experience
### Improving the Client Experience: Navigating the intersection of Technology and Personalisation in UK WM
[](/improving-client-experience-navigating-a-seamless-transition-between-digital-and-human/)
Digital Transformation
### Front Office Efficiency and Intergenerational Wealth Retention through Digital Change
[](/front-office-efficiency-and-intergenerational-wealth-retention-through-digital-change/)
Market Trends
### Pioneering the Future of Wealth Management: Insights from Objectway’s roundtables in the GCC region
[](/the-future-of-wealth-management-the-transformational-roadmap-designed-with-objectway-innovation-diamond-framework/)
**Categories:** #BackOffice, #BusinessDevelopment, #FrontOffice, #Onboarding, #PortfolioOptimisation, Blog, Business Reconfiguration
---
### [Artificial Intelligence AI tooling for front-end wins](https://objectway.com/the-potential-of-ai-improve-client-service-and-associated-risks/)
**Published:** October 31, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** AI elevates service quality in prospecting, onboarding, personalisation, and sentiment analysis, comprehensively enhancing client service
**Content:**
###### October 31, 2023
# AI tooling for front-end wins
[Objectway](https://www.linkedin.com/company/objectway/mycompany/verification/)
artificial intelligence
[\#Automation](/Automation/)[\#ArtificialIntelligence](/artificial-intelligence/)[\#ClientRelationship](/client-relationship/)[\#HybridAdvisory](/hybrid-Advisory/)[\#HyperPersonalisation](/hyper-personalisation/)[\#RiskManagement](/risk-management/)
In the ever-changing environment of wealth management, the value that Artificial Intelligence (AI) in all its guises can provide is increasingly recognised. Although widespread adoption has yet to happen, more and more firms are taking an interest and actively looking to explore ways an AI model could be successfully applied to their architectures and define the benefits of doing so.
Indeed, existing use cases tend to be in areas that involve handling lots of data or following set processes – anything where inference is not required and there is a set answer to a set question. The aim is scale and efficiency. This data processing, form filling, and chatbots able to answer clearly defined questions are all already in play.
But as AI matures and breaks out into various subsets, the range of functions it can fulfil expands. AI now enhances the service proposition in any number of areas: prospecting, onboarding, personalisation, and sentiment analysis. The most significant element is thought to be around improving the client service from every angle.
The timing could not be better!
Expectations regarding the level of service and its delivery at the front-end are high. Customers are used to Netflix or Amazon-like experiences in other areas of life and now largely expect the same from their wealth manager. Establishing meaningful connections with clients by exceeding expectations is the key to long-term success. To ‘exceed’ the provision of a broader range of services and hyper-personalised financial guidance underpinned by flawless user experience is required. And that means embracing AI.
However, that is not to say that the importance of the personal touch and an engaging and trusted relationship has diminished. Far from it, clients still want this, so the conundrum is how to supercharge the adviser to provide better insight and service. This is where AI, in its various forms, can help.
Automation and process efficiency
AI can indirectly boost the adviser by giving them back time. Indeed, AI makes an adviser far more effective because it can underpin automation, particularly when it comes to form filling, creating notes, and next-best-action prompts. By extracting data from a variety of sources and funnelling it in a meaningful format into the adviser’s customer relationship management system, advisers spend less time on form filling so that they can spend more time with clients and make their conversations meaningful by having information at their fingertips.
Personalisation
Personalisation techniques can further enhance the delivery of information. AI can analyse several disparate data sets to come up with insight on what a given individual will find useful at a distinct point in time: someone looking to sell a business, someone looking to invest in a specific asset, someone looking for succession planning, etc. By identifying each client’s unique circumstances and likely needs, the adviser gains the ability to enhance and deepen the relationship by providing timely and relevant insights, information and contacts. In the same vein, AI can perform client segmentation much more accurately than a human ever could and, thus, enhance marketing and prospecting efforts.
In short, AI platforms allow wealth management firms to get a much deeper insight into customer and market data, enabling substantially more effective decision-making and a proactive approach that is likely to yield positive results.
Creating tailored information
Related to sharing the right information at the right time and automation is the ability to create entirely new content. Indeed, Generative AI is the latest form of AI, and depending on who you believe, is set to revolutionise the world. It works by taking in several sources of information, analysing them and coming up with new output – as opposed to just coming up with an analysis of existing information. This could be a written piece, data analysis, imaging, video, or more, such as creating personalised investment plans, providing information about specialist investment opportunities, etc. The potential of Generative AI in the knowledge economy is huge because it can work closely with humans for an end result that would have taken much longer without this new technology.
Sentiment analysis
AI is another use case to accurately predict customer behaviour and conduct sentiment analysis. A key benefit is identifying if someone is worried or unhappy and ultimately giving the wealth managers an early warning, reducing client churn – something all wealth managers want to guard against.
Risks – Explainability
Indeed, [the potential benefits of AI at the front-end are vast](/top-emerging-technologies-in-wealth-management-2023/). However, care needs to be taken to mitigate and manage risks while the regulatory landscape evolves and develops to catch up with AI’s application. Without this, the industry will shy away from widespread adoption and even see AI as a double-edged sword, where the risks of getting something wrong potentially outweigh the benefits of the technology.
In particular, the explainability of any AI algorithm needs to come under the spotlight, be managed, and monitored. Thus, models need to be transparent and provide comprehensible decision paths for their predictions. And the insights gained through AI must be clearly explained by advisers to clients. In addition, when using AI in an advisory sense, comprehensive risk management needs to be in place in order to mitigate against the risks of falsification, AI bias, and AI hallucinations.
This gains even more importance in the context of GDPR and the ‘right to disclosure’. People have the right to know how their data is used and for what purpose. Transparency and accountability are, therefore, indispensable elements of AI integration in financial services.
Data
The other big barrier to uptake lies in data management. If users cannot trust the accuracy of the data being used in an algorithm, then it follows that the output, too, is untrustworthy. Accurate data, however, makes for a rich data output that wealth managers can rely on to make decisions and inform processes. Larger companies generally have much better access to data science and data infrastructure and a much larger pool of resources, so it is here where we might see adoption rates pick up first.
Ultimately so, AI in all its guises is still a work in progress and, like other technologies, can work to underpin and enhance the adviser but not replace them. Indeed, the wealth management community still relies on providing a nuanced understanding of individual circumstances, emotions and long-term goals for success. Algorithms cannot ever fully replicate humans and so the role of AI is to provide more of an enhancement effect, as opposed to replacement one. Its use lies in creating capacity for humans, thus augmenting human expertise for the benefit of clients.
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[](/unleashing-the-full-potential-of-data-ai-and-strategic-parterships-to-exceptional-customer-experience/)
Market Trends
### AI in Financial Services? Rest assured it’s here to stay!
[](/ai-in-financial-services-a-transformative-force-for-a-long-term-strategy/)
**Categories:** #ArtificialIntelligence, #Automation, #ClientRelationship, #HybridAdvisory, #HyperPersonalisation, #RiskManagement, Artificial Intelligence, Blog
---
### [Artificial Intelligence AI in the Back Office – A Rather Significant Opportunity Landscape](https://objectway.com/ai-in-back-office-operations-how-to-improve-product-governance-and-operational-efficiency/)
**Published:** December 5, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** AI is key in back-office, addressing challenges in legacy programming and promoting operational benefits, focusing on LLMs for knowledge resource enhancement
**Content:**
###### December 05, 2023
# AI in the Back Office – A Rather Significant Opportunity Landscape
[Roger Portnoy](https://www.linkedin.com/in/roger-portnoy-a16b67/)
CHIEF STRATEGY OFFICER AT OBJECTWAY
artificial intelligence
[\#Artificialintelligence](/artificial-intelligence/)[\#Automation](/automation/)[\#DigitalChange](/digitalchange/)[\#BackOffice](/back-office/)[\#Regtech](/regtech/)[\#Blockchain](/blockchain/)
To provide a bit of context to this, Objectway, as a provider who is already striving to bring improved operational efficiency to its client base, has already been involved in introducing robotic process automation, as well as intelligent process design into its back-office systems, so it could be argued, through using these techniques that we have already made significant advances. However, the rapid improvement in the scope and accuracy of computer vision (advanced OCR) as well as NLP techniques to properly label, classify, and assimilate into business process more complex alpha numeric data sets within unstructured document types is now opening up opportunities to integrate lo code process building with these techniques.
Use Cases
When I consider how we can put these advances in accessible technologies to best use, the most important considerations for building use cases are often to consider situations where middle office and back office staff face challenges to maintain data integrity and consistency within a specific process, and thus often are placed in escalating exception handling scenarios. (We know that these are often the most stressful and time sensitive scenarios and thus the ones to be avoided).
To give an example of this, in the suitability process, accurate product governance, approved and visible to risk and compliance, is an increasingly important aspect of the way that different clients are able to receive and maintain personalized portfolios from the front office and access to the best solutions for their relationship managers. While all firms, including Objectway, like to think that data vendors who provide services to build and maintain securities master for back office and investment management applications, for example, would be able, through their own data management expertise, perform an accurate job in either a single or aggregated way, the reality is sometimes in key areas of product suitability, as they relate to exposure to complex instruments, the components of the total expense ratio, or a variety of corporate action events, the data for consumption to support a transactional or ledger process, can be stale, inaccurate or altogether absent.
In these situations, the ideal scenario for the back office operations is to ingest, reconcile and process additional information, but since this is often embedded into documents such as Factsheets, Pripps, Kiids, and other fund specific documents, consistent and scalable processing capability has not been available. This situation is now being rectified through the combination of more data vendors building and maintaining in partnership with manufacturers, document hubs, and back-office technology firms, deploying computer vision and NLP to read and extract data from them, creating, in the process, the opportunity to greatly improve product governance, giving both compliance as well as business, a win.
This same combination of technologies, it turns out, can also be trained and deployed to facilitate much more interoperability between systems, particularly when there is the need, within a business process for both data translation and data normalization to a specific target protocol. This means extending data management capabilities into more and more unstructured data scenarios without having to force different actors into using a particular, and often limiting, data template. Since this approach can limit access to building data insights, firms have often rely on a combination of manual data mapping and reconciliation, alongside ETL technologies for performing these tasks, but now, with be deploying with data science, operational and domain support, a combination of NLP, LLM, and Computer vision, there is now the real opportunity that intermediary solutions can be built that not only intelligently recognize, extract and transform automatically, but also continuously ingest and harmonize systems to documented protocol upgrades and extensions, regardless of the initial vs. target state. This could be particularly transformative in situations where either a marketplace lacks an established provider performing this task, or when the complex nature of the products and counterparties has foiled attempts at standardization procedures needed to leverage smart contracts and blockchain technology.
It is by the way now not too hard to imagine that the task of identifying and programming the change across different environments in its own right, as an added benefit for this type of AI system, for adoption in back office solutions. Since many of these applications were first imagined 20+ years ago, at their foundation, they are still based on legacy programming language. Open sourced and Commercial translators are becoming available as a means to some modernization, but the resources available that understand what to do are rapidly dwindling or disinterested. Given these circumstances, I am increasingly of the opinion that properly trained AI solutions using the aforementioned models, will make increasing sense as the way to tackle this particular set of problems.
The Role of LLMs
If one looks at the investment trend in AI, there has always been an underlying belief that complex back office, administrative and record keeping systems, such as those present in healthcare, resource planning, and financial services, will invest in all of these technologies separately, and in combination, so perhaps what I am pointing out is not new nor original. However, it is fair to say that the operational benefits that these bring do not always get a lot of focus, and thus are often, weaker points of investment than they should be. This might change however when the use of LLMs also becomes a reality in this part of the value chain.
The use cases emerging here relate, not so much to the creation of automated intelligent and evolutionary business process management within the middle and back office, but to the introduction of intelligent knowledge resources for individuals who sit in both operational and development roles in this part of the organization. Firms have spent, some forced, and some voluntary, on creating a much richer ecosystem of tools for communication, collaboration, retention, and storage, but very few have had the discipline in their overall lifecycle management process to turn them from an informational repository to a reusable knowledge asset. As a result, while the landscape is littered with many snippets of insight and value, the cohesion is lacking even when deploying elastic search.
The good news is that Generative AI, and its means of bringing new precision to natural language search has the capabilities with limited supervision to overcome this. Business leadership might wonder about the immediate ROI on this might be, but CIO shouldn’t worry, as LLM used in this way will preserve access to proper IP, reduce subpar reprogramming effort, and ensure that artefacts become more accessible, more quickly, within the scope of every project, and every sprint. This is particularly valuable for the most complex parts of the system, which inevitably sit in back office solutions trying to efficiently manage process, logic, and data in a resource optimal way.
In this blog I have tried to highlight that the back office is a rich realm for highly valuable and reward use cases for a combination of machine learning and artificial intelligence models. I have done my best to highlight that the benefits to be gained by deploying these systems to the middle and back office areas of risk, compliance, and operations, is not only one with internal efficiency benefits in their own right, but also to creating intelligent automation that will deliver better client outcomes while reducing firm risk of non-compliance. While there are some dev/ops AI firms being funded to try to work with larger organizations on tackling this, for those with the right competencies in middle and back office technologies, it looks like the increasing availability of licensable tools, will prove sufficiently robust in the right user hands, and product management support, to achieve results.
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### Tech-Driven Evolution and Challenges in Wealth Management: Happening Today, Impacting Tomorrow
[](/tech-driven-evolution-and-challenges-in-wealth-management-for-2023-and-beyond/)
**Categories:** #ArtificialIntelligence, #Automation, #BackOffice, #Blockchain, #DigitalChange, #Regtech, Artificial Intelligence, Blog
---
### [Artificial Intelligence AI in Banking: Themes and Emerging Topics for 2024](https://objectway.com/ai-in-banking-themes-and-emerging-topics-for-2024/)
**Published:** January 9, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** AI, as a foundational technology for the development and improvement of the next generation of business process management has arrived
**Content:**
###### December 28, 2023
# AI in Banking: Themes and Emerging Topics for 2024
[Roger Portnoy](https://www.linkedin.com/in/roger-portnoy-a16b67/)
CHIEF STRATEGY OFFICER AT OBJECTWAY
artificial intelligence
[\#HyperPersonalisation](/hyper-personalisation/)[\#ArtificialIntelligence](/artificial-intelligence/)[\#Automation](/automation/)[\#Digitalisation](/digitalisation/)[\#RiskManagement](/risk-management/)
Risk Lens back in View
First, my general sense is that while many large financial firms clearly are advancing their experimentation as well as collaborative efforts with those advancing AI techniques, esp. in the LLM arena fastest, these same firms are identifying new areas of “risk” and thus pausing some of their early enthusiasm around rapidly exposing their innovative efforts to clients.
This does not mean to say that the industry as a whole doesn’t remain very keen to develop AI use cases that involve launching virtual assistance, but while perhaps the initial outcomes of “co-pilot” applications were geared toward servicing client needs, and scaling accessibility through AI, more effort is now shifting toward internal initiatives that improve operational efficiency, promise enhanced productivity, and condense decision making effort.
This shift appears to be the result of three developments that were highlighted during the day. First, despite the advancement in what AI models can potentially deliver through simplified interfaces, they can’t immediately address challenges in relation to data quality, data transformation, and data accessibility controlled by older legacy technologies. Second, even when experiments can be ring fenced to mitigate some of these issues that undermine effectiveness, there are still a variety of risk factors related to explainability, result consistency, and overall performance that need to become a part of the overall application design, esp. as the regulatory environment is putting the industry on the alert around what self-governance as a framework, really means, in practical real world terms. Finally, while the “FOMO” effect still seems to be in the air when it comes to AI initiatives to both, please shareholders, as well as retain and grow profitability and operating leverage, a lot more internal stakeholders are asking for better evidence to be provided in relation to the ROI on investment, esp. if it ultimately going to create a major upheaval in the investment in the data fabric that permeates through almost all business processes.
Use Case Duality
Second, we are seeing a bit of bifurcation in use case focus emerging, with innovation leaders with an operational background tending to look toward adopting an “AI first” set of tests to further advance hyper-automation, while those that have taken on leadership from a marketing and client experience perspective, more interested in those aspects of first principles for generative AI that can tackle challenges that are faced by individuals who have to deal with consumption of large complex, mostly unstructured data sets.
While the objectives banks are looking for from these areas of focus might look different, they both underscore that many private and open source initiatives have been more successful, as data sets have increased, and machine learning techniques advanced, at tackling weaknesses of previous attempts to manage value generation from unstructured data at scale, improving both the accuracy of classification, entity identify and labelling, as well as the scope, i.e., business rules (both in absolute and conditional terms) that can be identified, transformed and processed without direct human intervention.
For Hyper automation projects, banks not only see this as improving STP across many different stages of the lifecycle value chain, but as importantly, enabling human to both become supervisors as well as exception handlers for complex, non-standard situations, more efficiently. Similarly, those with an eye on deploying AI solutions using advanced techniques involving NLP and Generative AI, are seeking ways to re-build systematic processes across different operational functions so that they can reduce the need and costs and time spent related to error handling and document reiteration.
Establishing an AI First Framework
Third, and perhaps, most tellingly, it appears that organizations are making progress, often leaning on their strategic partners own capabilities, to develop and distribute throughout their businesses “AI First” principles. When someone like myself who has had exposure to financial institutions tinkering with AI and ML since the mid 90’s hears language like this, it seems to suggest that, despite clear areas of immaturity, and obvious and serious gaps in relation to the capability of AI models to transfer inference (strong) into context (weak), that the application of AI, as a foundational technology for the development and improvement of the next generation of business process management has arrived.
While one might be tempted to think that this will quickly lead to an entirely new way of thinking through business process design, the feeling I got was more mixed than this. Certainly, some of the “futurists” firms/thought leaders talk toward a clear future where hyper personalization could be really possible in the realm of product design, fulfilment and service support (accompanied by a wide range of pricing models), but there are just as many people who truly think that in the near term, the primary benefits is going to be drawn by applying AI capabilities toward reducing both the operational drag and support risk that go with having to operate and integrate legacy systems with digital platforms. This is because middleware solutions have more often than not been blunt instruments to address deficiency, while transformation tools have often fallen short in solving performance issues which are putting the bank at risk.
Given this, being able to build smarter, and continuously optimizing middleware solutions through incorporating AI models into process transformation might prove to deliver far higher ROI to running the bank than those that are focused on enhancing the value and capabilities of the digital platforms. Many bankers don’t often like to talk in this language, because it is perceived as “less sexy” in the public domain, but when organizations can’t grow their way to improving their income/cost ratios and would rather be retooling their workforce (for all kinds of reasons), rather than reducing them, having data science and AI software engineers working with operational and product domain experts in this way starts to make a lot of sense.
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### AI in the Back Office – A Rather Significant Opportunity Landscape
[](/ai-in-back-office-operations-how-to-improve-product-governance-and-operational-efficiency/)
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### AI tooling for front-end wins
[](/the-potential-of-ai-improve-client-service-and-associated-risks/)
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**Categories:** #ArtificialIntelligence, #Automation, #Digitalisation, #HyperPersonalisation, #RiskManagement, Artificial Intelligence, Blog
---
### [Artificial Intellingence The opportunities afforded by AI are many, but explainability may well be the key to uptake](https://objectway.com/wealthtech-landscape-report-2024-industry-ai-journey-and-how-explainability-works/)
**Published:** February 6, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway delves into the industry's AI journey in latest TWM WealthTech 2024 Report, highlighting use cases of AI and explaining how explainability works.
**Content:**
###### February 06, 2024
# The opportunities afforded by AI are many, but explainability may well be the key to uptake
[Roger Portnoy](https://www.linkedin.com/in/roger-portnoy-a16b67/)
CHIEF STRATEGY OFFICER AT OBJECTWAY
Artificial Intelligence
[\#HyperPersonalisation](/hyper-personalisation/)[\#ArtificialIntelligence](/artificial-intelligence/)[\#CustomerJourney](/customerjourney/)[\#PortfolioManagement](/portfolio-management-h/)
Objectway features The Wealth Mosaic WealthTech Landscape Report 2024 to dive deep into the industry’s AI journey, emphasising both its potential benefits and challenges, running through use cases of AI and explaining how explainability works.
Banks, wealth, and asset managers alike are rapidly recognising AI as likely to become one of the most strategically essential technologies for the wealth management industry to leverage. Indeed, the potential for AI to enhance profitability and improve client experiences is undeniable, driving around 80% of banks to invest in AI, with plans for increased spending over the next two years.
While the willingness to embrace AI is high, operationalising and monetising its benefits remains a challenge for many players. Middle and back-office operations are key areas where AI can drive efficiencies, with robotic process automation and intelligent process design already making significant strides. Advanced OCR, computer vision, and NLP techniques are further unlocking opportunities for hyper-automation, particularly in data processing and document analysis.
The suitability process, a critical aspect of client interaction, is gaining prominence, requiring efficient data management and processing. AI, specifically computer vision and NLP, proves invaluable in improving alignment with product governance, ensuring compliance, and driving business gains.
[Generative AI](/ai-in-financial-services-a-transformative-force-for-a-long-term-strategy/) takes the forefront in enhancing adviser-client relationships, supporting decision-making processes, and personalizing offerings. The digital transformation facilitated by AI allows wealth managers to turn disparate bits of data into reusable knowledge assets, providing a holistic picture for better decision-making.
AI’s role extends to portfolio management, offering the potential to maximize returns and increase customer satisfaction through the construction of better portfolios and the processing of unstructured data. However, as interest in AI grows, the need for explainability becomes paramount.
Wealth managers need to articulate and document how AI algorithms make decisions, addressing concerns related to data privacy, embedded bias, and transparency. Explainability is not just about being right or wrong but understanding the rationale behind decisions, making it crucial for compliance and client trust.
Two approaches to explainability are highlighted – on one hand explainability is linked to process-based unpacking, on the other it looks at attribution, sensitivity and contribution of factor inputs. The latter proves vital in predicting client behaviour, illustrated through an innovative customer churn prediction system based on Machine Learning and applying the concept of Shapley Additive Explanations (SHAP) – a cutting-edge, model independent method that provides explanations for the output of any ML model.
Continuous testing and optimization of explanatory models are emphasized to overcome the limitations of current AI systems and ensure effective interaction with users. Ultimately, adopting explainable AI systems is crucial for mitigating risks, maintaining positive business outcomes, enhancing operational performance, and improving the overall client experience in the rapidly evolving wealth management landscape.
This is just a taste of the insightful considerations shared by Roger. Access the full report [HERE](https://www.objectway.com/download-analyst-research-twm-wealthtech-2024-annual-report/)!
Delve deeper into the transformative power of AI in wealth management and stay ahead in this ever-evolving landscape.
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**Categories:** #ArtificialIntelligence, #CustomerJourney, #HyperPersonalisation, #PortfolioManagement, Artificial Intelligence, Blog
---
### [Artificial Intelligence Le potentiel de la GenAI dans les services financiers: Relever les défis et saisir les opportunités](https://objectway.com/the-potential-of-gen-ai-in-financial-services-challenges-and-opportunities/)
**Published:** April 16, 2024
**Author:** Leonardo Scarpa
**Excerpt:** Tech evolution transforms wealth management. Younger clients drive innovation. Private bankers crucial. Sustainable investments gain attention.
**Content:**
###### April 16, 2024
# Le potentiel de la GenAI dans les services financiers : Relever les défis et saisir les opportunités
[Miroslav Petrov](https://www.linkedin.com/in/miroslav-petrov-055a5267/?originalSubdomain=fr)
PRODUCT DIRECTOR – INVESTMENT COMPLIANCE OBJECTWAY
Artificial Intelligence
- [FR](#tab-1750777232389-3)
- [ENG](#tab-1750777232417-6)
[\#Artificialintelligence](/artificial-intelligence/)[\#Automation](/automation/)[\#ClientCommunication](/clientcommunication/)[\#ClientCommunication](/clientcommunication/)[\#Digitalisation](/digitalisation/)
Ce n’est certainement pas la première publication que vous lisez sur l’intelligence artificielle ces jours-ci, car ce domaine connaît un essor considérable. Il y a près de dix ans, l’IA dans les services financiers n’était qu’une hypothèse, un sujet d’innovation de rupture et la promesse de révolutionner les opérations et les pratiques d’investissement traditionnelles. Au fil des ans, après avoir navigué à travers les avancées et les percées du Big Data et du Deep Learning, l’IA générative (GenAI) s’est imposée comme un moteur essentiel de la transformation numérique. Cependant, elle apporte également son lot de craintes et de doutes quant à la nature profonde des changements qu’elle pourrait générer.
Alors que nous assistons au rythme sans précédent auquel l’IA générative est adoptée, le débat entre décélérationistes de l’IA et accélérationistes de l’IA, reste au premier plan. S’agit-il du prochain « Rhinocéros gris » ou d’un gisement inexploité de croissance? Les attentes placées dans la valeur potentielle de la GenAI sont immenses. Ces dernières années, le secteur financier a identifié des centaines de cas d’utilisation de l’IA, désormais prêts pour la mise en œuvre et la production. Les pionniers de l’IA dans le domaine des investissements ont déjà commencé à l’utiliser avec succès pour réaliser des opérations plus rapides, des produits et des conseils sur mesure, une présence étendue, une prise de décision plus éclairée et de nouvelles propositions de valeur.
Certaines entreprises préfèrent attendre et observer avant de lancer leurs initiatives. Mais quelles sont les principales raisons de cette hésitation? Selon une étude mondiale de Cisco en 2024, plus d’une organisation sur quatre a interdit l’utilisation de la GenAI en raison des risques pour la confidentialité et la sécurité des données. Parmi les autres préoccupations courantes figurent l’inexactitude, les biais dans les algorithmes, les implications éthiques et sociales, le déplacement des emplois, le potentiel d’utilisation abusive de l’IA et le manque d’explicabilité. En outre, de nombreuses entreprises peuvent être réticentes à allouer des ressources sans garanties claires de rentabilité, car cela nécessite souvent des investissements initiaux importants dans la technologie, l’infrastructure et le talent.
L’Autorité européenne des marchés financiers (ESMA) a noté dans son rapport 2023 sur l’IA que le secteur financier n’a pas encore attient une acceptation généralisée de l’IA. Les risques perçus des effets de la “boîte noire” et le défi d’expliquer des résultats négatifs peuvent dissuader certains investisseurs. Ils ont observé qu’en général, les gestionnaires d’actifs hésitent à rendre publique l’utilisation de l’IA, même si certains fonds ont décidé de divulguer l’utilisation d’outils d’IA ou de ML dans leurs documents financiers qui décrivent le processus d’investissement. Le rapport a également conclu que les acteurs du marché interrogés par l’ESMA n’ont généralement pas identifié d’obstacles majeurs au déploiement des technologies basées sur l’IA dans le paysage réglementaire actuel.
Il est indéniable que la récente croissance fulgurante de l’utilisation de la GenAI, tant au travail qu’à l’extérieur, a captivé l’imagination grâce à sa relative facilité d’utilisation et à son potentiel de transformation et de réinvention des processus métier. Le développement de produits, les opérations clients, la gestion des risques, la conformité des investissements, le marketing et les ventes figurent parmi les domaines les plus prometteurs pour cette technologie. Dans le secteur des services financiers, les premiers projets d’IA ont commencé au cas par cas, la tendance évoluant vers des architectures GenAI pilotées de manière centralisée qui ont accès aux données en direct et aux applications de production, capables de consommer et de générer du contenu et des recommandations proposées par l’IA.
Selon les estimations du McKinsey Global Institute (MGI) en 2023, la mise en œuvre de la GenAI dans le secteur bancaire mondial pourrait apporter entre 200 et 340 milliards de dollars en valeur annuelle, soit 2,8 à 4,7 % des revenus totaux du secteur, principalement grâce à l’amélioration de la productivité. Cette évolution pourrait être facilitée par les récentes avancées des initiatives mondiales en matière de gouvernance, d’éthique et de cadres juridiques de l’IA, qui fournissent une feuille de route plus claire pour une mise en œuvre responsable et efficace.
Dans les mois et les années à venir, l’adoption proactive et la gestion stratégique peuvent permettre aux organisations de tirer parti de la GenAI en tant que catalyseur d’une croissance durable et d’un avantage concurrentiel. Cet objectif sera atteint non seulement en utilisant les outils d’IA disponibles, mais aussi en tirant parti de l’intégration des modèles récents de GenAI avec des données propriétaires et en renforçant la confiance dans son usage. À l’avenir, le rôle évolutif de la GenAI dans les organisations verra davantage de Copilotes d’IA travailler aux côtés des employés et d’Agents d’IA se voir assigner des instructions spécifiques pour exécuter des tâches et effectuer des contrôles. L’adoption de la GenAI promet de [redéfinir les limites de l’innovation](/sustainable-innovation-a-cornerstone-for-wealth-banking-asset-management-in-this-decade/) et de l’efficience dans le secteur des services financiers en transformant les connaissances de l’organisation en une abondance d’intelligence et annonce une nouvelle ère de collaboration homme-machine qui façonnera l’avenir de notre manière de travailler.
Si vous souhaitez échanger davantage sur ce sujet et bien plus encore, Objectway participera au Forum Gestion Privée Édition 2024, organisé par L’AGEFI, et notamment dédié au rôle prépondérant joué par l’IA et la digitalisation dans le contexte des Banques Privées françaises. Lors du WealthTech Morning Workshop, Miroslav Petrov, Directeur Produit Objectway – Conformité des Investissements, interviendra sur la façon dont les solutions d’Objectway peuvent aider les professionnels de la gestion privée à construire des relations durables avec leurs clients, à améliorer la communication et à personnaliser l’expérience client. A ne pas manquer !
[\#Artificialintelligence](/artificial-intelligence/)[\#Automation](/automation/)[\#ClientCommunication](/clientcommunication/)[\#ClientCommunication](/clientcommunication/)[\#Digitalisation](/digitalisation/)
This is certainly not the first post you’re reading on Artificial Intelligence nowadays, as we are experiencing significant momentum in this field. Nearly a decade ago, AI in Financial Services was merely a hypothesis, a topic of disruptive innovation, and a promise to revolutionize traditional investment operations and practices. Over the years, after navigating through advancements and breakthroughs in Big Data and Deep Learning, Generative AI (GenAI) has emerged as an essential driver of digital transformation. However, it also brings its share of fears and doubts regarding the profound nature of the changes it could generate.
As we witness the unparalleled rate at which GenAI is being adopted, the debate between AI decelerationists and AI accelerationists remains at the forefront. Is it the next Gray Rhino or an unexploited wellspring of growth? The expectations placed on the potential value of GenAI are immense. In recent years, the financial industry has identified hundreds of AI use cases, now ready for implementation and production. Early adopters in the Investment Management industry have already started to successfully use it to achieve faster operations, tailored products and advice, extended presence, smarter decision-making and new value propositions.
Some companies prefer to wait and observe before launching their initiatives. But what are the main reasons for this hesitation? According to a Cisco global study in 2024, more than one in four organizations have banned the use of GenAI over privacy and data security risks. Other common concerns include inaccuracy, biases in algorithms, ethical and social implications, job displacement, the potential for AI technology misuse, and lack of explainability. Additionally, many companies may be reluctant to allocate resources without clear ROI guarantees, as it often requires significant upfront investment in technology, infrastructure, and talent.
The European Securities and Markets Authority (ESMA) noted in its 2023 report on AI that the investment management sector still lacks widespread acceptance. The perceived risks of “black box” effects and the challenge of explaining negative outcomes may dissuade some investors. They observed that, in general, asset managers are hesitant to publicize AI use, even though some funds have decided to disclose their leveraging of AI or ML tools in their financial documents as part of the investment process. The report also concluded that market participants surveyed by ESMA generally did not identify substantial barriers to the deployment of AI-based technology rooted in the current regulatory landscape.
Undeniably, the recent booming growth in GenAI usage, both at work and outside, has captured the imagination with its relative ease of use and potential to transform workflows and reinvent business processes. Product development, customer operations, risk management, investment compliance, marketing and sales are among the most promising areas for this technology. In the financial services sector, early AI projects began on a case-by-case basis, with a trend evolving towards centrally managed GenAI architectures that have access to live data and core applications, capable of consuming and generating AI-created content and recommendations.
According to estimates from the McKinsey Global Institute (MGI) in 2023, the implementation of GenAI in the global banking sector could contribute between $200 billion and $340 billion in annual value, representing 2.8 to 4.7 percent of total industry revenues, primarily driven by enhanced productivity. This could be facilitated by recent advancements in global initiatives on AI governance, ethics and legal frameworks, which provide a clearer roadmap for responsible and effective implementation.
In the coming months and years, proactive adoption and strategic management can position organizations to leverage GenAI as a catalyst for sustainable growth and competitive advantage. This will be achieved not only by using available AI tools but also by taking advantage of the integration of recent GenAI models with proprietary data and fostering confidence in its capabilities. Looking ahead, the evolving role of GenAI in organizations will increasingly see AI Copilots that work side-by-side with employees and AI Agents being assigned specific instructions to execute tasks and perform controls. Embracing GenAI promises to [redefine the boundaries of innovation and efficiency](/sustainable-innovation-a-cornerstone-for-wealth-banking-asset-management-in-this-decade/) in the financial services sector by transforming the organization’s knowledge into an abundance of intelligence and announces a new era of human-machine collaboration that will shape the future of work.
If you want to discuss about this and much more, Objectway will be participating in the Forum Gestion Privée 2024 Edition, organised by L’AGEFI, and notably dedicated to the overriding role played by AI and digitalization in shaping French Private Banks scenario. During the WealthTech Morning Workshop, Miroslav Petrov, Objectway Product Director – Investment Compliance, will be delivering a keynote speech on how Objectway Solutions can help private banks to build lasting relationships with customers, improve communication and personalize customer experience. You don’t want to miss it!
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### The opportunities afforded by AI are many, but explainability may well be the key to uptake
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**Categories:** #ArtificialIntelligence, #Automation, #Digitalisation, #HybridAdvisory, Artificial Intelligence, Blog
---
### [Artificial Intelligence AI e GenAI: nuovi strumenti a supporto del WM](https://objectway.com/artificial-intelligence-e-gen-ai-a-supporto-del-wealth-management/)
**Published:** July 18, 2024
**Author:** Leonardo Scarpa
**Excerpt:** L’AI e la GenAI introdurranno evoluzioni e miglioramenti nell’ambito dei servizi finanziari. La prospettiva di Objectway al Community Event organizzato da CeTIF
**Content:**
###### July 18, 2024
# AI e GenAI: nuovi strumenti a supporto del WM
[Paolo Cacciabue](https://www.linkedin.com/in/paolocacciabue/)
Senior Business Development Manager at Objectway
artificial intelligence
- [ITA](#tab-1750433680669-8)
- [ENG](#tab-1750433680698-3)
[\#Artificialintelligence](/artificial-intelligence/)[\#Automation](/automation/)[\#ClientExperience](/clientexperience/)[\#DigitalEngagement](/digital-engagement)[\#RoboAdvisory](/robo-advisory/)
L’utilizzo dell’Intelligenza Artificiale (AI) e della Generative AI (GenAI) introdurrà sostanziali evoluzioni e miglioramenti nell’erogazione dei servizi finanziari e potrà essere un’ulteriore opportunità per incrementare l’efficienza operativa, ridurre i costi e proporre servizi maggiormente personalizzati alla clientela.
Nel corso degli ultimi anni i margini degli operatori del settore WM si sono ridotti, in particolare per le realtà più piccole, a fronte di una crescita in investimenti tecnologici superiore a quella dei ricavi.
L’introduzione dell’AI e della GenAI permetterà di migliorare l’utilizzo degli strumenti già a disposizione dei Banker (ad es. Robot 4 Advisor), e di conseguenza gestire la clientela in modo più efficiente e incrementare la produttività. L’incremento degli investimenti globali in ambito AI previsto nel periodo 2022 – 2027 è del 140%, corrisponde ad una crescita da circa 125 a 300 miliardi di USD (Fonte Gartner). Riguardo al mercato europeo, si prevede un incremento di spesa in AI allineato a quello globale: in temini assoluti, la spesa stimata in AI per il 2024 (Fonte IDC) sarà di circa 50 miliardi di USD di cui il 15% destinato al settore finanziario. In tale scenario, gli operatori italiani sono stati tra i primi ad avviare la sperimentazione dell’AI in ambito finanza.
Sulla base di tale scenario, per verificare l’attuale livello di adozione e condividere evoluzioni ed impatti attesi con l’introduzione dell’AI, il CeTIF ha organizzato il Community Event “AI, DIGITAL ASSET AND WEALTH-TECH” a cui hanno partecipato vari intermediari e alcuni organi di Vigilanza.
Tutti i partecipanti hanno condiviso che l’adozione dell’AI consentirà di incrementare l’efficienza ed i benefici delle funzioni delle piattaforme digitali utilizzate dai Bankers, in particolare per le componenti relative a: analisi dei dati di mercato acquisiti dai provider, automazione dei processi di Robo4Advisor, integrazione dei dati generati dagli Analytics Tools, rappresentazione grafica delle sintesi dei mercati e dei portafogli.
Dal punto di vista normativo, l’Europa ha già avviato il processo di regolamentazione dell’utilizzo dell’AI in ambito finanza con il fine di creare norme per l’immissione sul mercato e per l’utilizzo di sistemi di AI nel rispetto della normativa vigente. La base della regolamentazione è la definizione dell’AI, cioè fornire i criteri per distinguere l’AI dai sistemi software più semplici e “tradizionali”; l’approccio del regolamento è “risk based”, rischi che le modalità di utilizzo dell’AI può generare: maggiore è il rischio più stringenti sono i requisiti di utilizzo; sarà vietato l’utilizzo di piattaforme che possano manipolare il comportamento gli investitori con fini di dolo e, comunque, i fornitori dovranno dimostrare la conformità delle soluzioni prima di immetterle sul mercato.
La Governance è prevista a livello nazionale; ciascuno Stato membro dovrà designare l’autorità nazionale competente entro 12 mesi dall’entrata in vigore della normativa; questa sarà anche il referente della Commissione UE. In Italia si prevede la pubblicazione del regolamento AI sulla Gazzetta Ufficiale entro la fine dell’estate 2024; sei mesi dopo l’entrata in vigore non sarà possibile utilizzare i sistemi considerati vietati ed entro 24 mesi diventeranno applicabili tutte le norme della legge sull’AI.
A fronte dell’avanzato stato dei regolamenti, il CeTIF ha rilevato che la sperimentazione della AI e della GenAI è stata avviata ma sta proseguendo a rilento, anche a fronte della citata contrazione dei ricavi nel settore del WM. Infatti, un’indagine svolta da Banca d’Italia sui progetti FinTech del 2023 ha rilevato che gli investimenti maggiori sono stati indirizzati:
- Ai propri prodotti finanziari ed alle modalità di distribuzione per incrementare i ricavi,
- Alla riduzione dei rischi operativi ed all’automazione dei processi per ridurre i costi
Gli intermediari presenti all’evento hanno confermato lo scenario descritto dal CeTIF e dalla Banca d’Italia: la tecnologia è fondamentale per la crescita ma gli investimenti sono mirati a integrare i canali di distribuzione per incrementare automazione ed efficienza, consolidare l’utilizzo di tutte le piattaforme digitali implementate ultimamente (vedi ad es. Robot 4 Advisor), di conseguenza la sperimentazione dell’AI procede con cautela.
Inoltre, è emerso che l’introduzione di piattaforme di AI e GenAI può generare criticità in termini di compliance a fronte di informazioni della clientela acquisite ed ai dati generati: anche a distanza di pochi minuti i dati dalle analisi svolte possono risultare molto differenti, di conseguenza i dati devono esser “filtrati” ovvero adattati al profilo del cliente e questo può esser svolto dal Banker.
Anche, anzi direi soprattutto, con l’introduzione della AI e della GenAI la tecnologia deve esser governata e non subita; quindi, il ruolo del Banker continua a rimanere centrale nella gestione del Cliente: l’AI sarà sicuramente un ulteriore strumento a disposizione per incrementare produttività e facilitare la relazione con la clientela, ma al momento si ritiene che debba essere un ulteriore supporto del Banker per utilizzare al meglio i dati ed i prodotti a sua disposizione.
Gestire la relazione e le scelte di investimento della clientela solo tramite strumenti di AI e GenAI è sicuramente possibile ma, stante anche la normativa di prossima emanazione, ad oggi è prematuro; la sperimentazione è stata avviata da poco ed i rischi derivanti dall’applicazione sono ancora elevati sia per gli intermediari che per la clientela.
[\#Artificialintelligence](/artificial-intelligence/)[\#Automation](/automation/)[\#ClientExperience](/clientexperience/)[\#DigitalEngagement](/digital-engagement)[\#RoboAdvisory](/robo-advisory/)
The use of Artificial Intelligence (AI) and Generative AI (GenAI) will bring substantial developments and improvements in the provision of financial services, offering an additional opportunity to increase operational efficiency, reduce costs, and provide more personalized services to customers.
In recent years, the margins of operators in the Wealth Management (WM) sector have decreased, especially for smaller entities, due to higher investments in technology outpacing revenue growth. The introduction of AI and GenAI will enhance the use of tools already available to bankers (e.g., Robot 4 Advisor), thereby managing clients more efficiently and increasing productivity. Global investments in AI are projected to grow by 140% between 2022 and 2027, rising from about $125 billion to $300 billion USD (Source: Gartner). For the European market, AI spending is expected to increase in line with the global trend: in absolute terms, AI spending for 2024 is estimated at about $50 billion USD, with 15% allocated to the financial sector (Source: IDC). In this context, Italian operators were among the first to experiment with AI in finance.
Based on this scenario, to assess the current level of adoption and share expected evolutions and impacts with the introduction of AI, CeTIF organized the Community Event “AI, DIGITAL ASSET AND WEALTH-TECH,” which was attended by various intermediaries and some regulatory bodies.
All participants agreed that the adoption of AI will increase the efficiency and benefits of digital platforms used by bankers, particularly for components related to: analysis of market data acquired from providers, automation of Robo4Advisor processes, integration of data generated by analytics tools, and graphical representation of market and portfolio summaries.
From a regulatory perspective, Europe has already begun the process of regulating the use of AI in finance to establish rules for market entry and the use of AI systems in compliance with existing regulations. The foundation of this regulation is the definition of AI, providing criteria to distinguish AI from simpler, more “traditional” software systems. The regulatory approach is “risk-based”: the higher the risk, the stricter the usage requirements. The use of platforms that can manipulate investor behavior for malicious purposes will be prohibited, and providers must demonstrate the compliance of their solutions before market entry.
Governance will be at the national level; each member state must designate a competent national authority within 12 months of the regulation’s entry into force. This authority will also be the contact point for the European Commission. In Italy, the AI regulation is expected to be published in the Official Gazette by the end of summer 2024. Six months after it comes into force, the use of banned systems will be prohibited, and all AI law provisions will become applicable within 24 months.
Despite the advanced state of regulations, CeTIF has noted that AI and GenAI experimentation has started but is progressing slowly, partly due to the aforementioned revenue contraction in the WM sector. A 2023 survey by the Bank of Italy on FinTech projects found that major investments were directed towards:
- Financial products and distribution methods to increase revenue,
- Reducing operational risks and automating processes to cut costs.
Intermediaries at the event confirmed the scenario described by CeTIF and the Bank of Italy: technology is crucial for growth, but investments are focused on integrating distribution channels to increase automation and efficiency, and consolidating the use of all recently implemented digital platforms (e.g., Robot 4 Advisor). Consequently, AI experimentation proceeds cautiously.
Additionally, the introduction of AI and GenAI platforms may create compliance challenges due to customer information acquired and data generated. Even within a few minutes, data from analyses can vary significantly, requiring “filtering” or adaptation to the client’s profile, which can be done by the banker.
Moreover, with the introduction of AI and GenAI, technology must be governed and not merely endured. Therefore, the banker’s role remains central in client management: AI will undoubtedly be an additional tool to increase productivity and facilitate client relationships, but for now, it is considered an additional support for bankers to make the best use of available data and products.
Managing client relationships and investment choices solely through AI and GenAI tools is possible, but given the forthcoming regulations, it is premature at this stage. Experimentation has just begun, and the risks associated with application are still high for both intermediaries and clients.
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### Le potentiel de la GenAI dans les services financiers : Relever les défis et saisir les opportunités
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### Da Open Banking a Open Finance: come può evolvere il Wealth Management?
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**Categories:** #ArtificialIntelligence, #Automation, #ClientExperience, #DigitalEngagement, #RoboAdvisory, Artificial Intelligence, Blog
---
### [Artificial intelligence The use of AI and effective Data Management](https://objectway.com/pam-digital-report-2024-the-use-of-ai-and-effective-data-management/)
**Published:** February 7, 2025
**Author:** Lorenzo Noventa
**Excerpt:** The PAM & Objectway Digital Report 2024 delves into AI’s role in wealth management, highlighting both its potential and the future challenges firms face.
**Content:**
###### Feb 07, 2025
# The use of AI and effective Data Management
[Marianna Vilardi](https://linkedin.com/in/marianna-vilardi-1bb057163/)
Senior Marketing Content Creator
artificial intelligence
[\#Artificialintelligence](/artificial-intelligence/)[\#BackOffice](/back-office/)[\#ClientExperience](/clientexperience/)[\#dataprotection](/data-protection/)[\#HybridAdvisory](/hybrid-advisory/)
AI is no longer a futuristic concept for the wealth management industry – it is an essential part of today’s conversations, and roadmaps. As firms explore AI’s potential, its integration into operations is beginning to reshape the sector.
The [PAM Digital Report 2024: The Use of AI and Effective Data Management,](https://www.objectway.com/download-analyst-research-pam-digital-report-2024-the-use-of-ai-and-effective-data-management/) produced by Objectway in collaboration with PAM provides a deep dive into AI’s role in wealth management, highlighting both its potential and the challenges firms face in its adoption.
The Growing Interest in AI Adoption
AI adoption is accelerating, with data confirming that wealth management firms are actively embracing the technology. The report reveals that 82% of respondents plan to integrate it into their operations. Their motivations vary: 22% see AI as a tool for improving efficiency, 29% believe it can aid scalability, 23% consider it useful for enhancing management control, and 26% view it as a way to increase value for money.
While many firms are eager to explore AI, its implementation is still largely confined to internal operations. According to the report, 64% of firms are prioritizing AI for back-office efficiency rather than client-facing roles. This suggests that while wealth managers acknowledge AI’s potential, they remain cautious about deploying it in ways that directly impact clients. Concerns about client trust and the perception of AI-driven decision-making may be contributing to this hesitance. However, as technology continues to evolve and AI becomes more sophisticated, its role in client interactions is likely to grow, particularly in a way that enhances, rather than replaces, human advisors.
Challenges in AI Implementation
Despite the enthusiasm surrounding AI, firms face several hurdles in implementing it effectively. Data integration emerges as one of the biggest challenges, with 70% of firms struggling to consolidate and utilize data efficiently. Without a robust data infrastructure, AI’s capabilities are significantly limited.
Cybersecurity is another major concern. While 64.71% of respondents acknowledge cybersecurity threats as a significant risk, only 11% consider data security a primary challenge in managing client information. This disparity suggests that while firms recognize the dangers of cyber threats, they may underestimate the complexities of securing AI-driven systems.
The reliance on third-party vendors may also present a challenge. Still, very few firms manage to operate without any third-party vendor interactions and those that do are often the smallest in the sector. Third party vendors that can demonstrate they have clear processes in place to minimise risks are likely to be welcomed by firms seeking security as well as state of the art digital offerings.
Legacy technology continues to be a roadblock for many firms, with 70% stating that outdated systems prevent them from leveraging AI effectively. Upgrading infrastructure is a necessary step toward digital transformation, yet financial constraints often slow progress. Nearly half of respondents pointed to a lack of investment as a key barrier to AI adoption. Despite this, the future looks promising – 52.94% of firms plan to increase their technology budgets in the coming year, signalling a willingness to invest in AI-driven initiatives.
The Future of AI in Wealth Management
Looking ahead, the industry is set to shift further toward AI adoption. However, the report suggests that firms need to take a strategic approach, balancing AI’s capabilities with human expertise. The goal is not to replace financial advisors but to enhance their decision-making processes with AI-driven insights. Clients, too, prefer a hybrid approach – where AI supports, rather than replaces, the human touch.
For firms looking to stay ahead, investing in AI is no longer optional – it is essential. The key lies in selecting the right use cases, ensuring strong data management practices, and maintaining a clear focus on security and compliance. Partnering with experienced technology providers can help firms navigate these challenges effectively.
The PAM Digital Report 2024 provides a comprehensive analysis of AI’s impact on wealth management, backed by industry insights and expert recommendations. To gain deeper insights and actionable takeaways, download the full report from Objectway’s website [here.]("https://www.objectway.com/download-analyst-research-pam-digital-report-2024-the-use-of-ai-and-effective-data-management/)
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**Categories:** #ArtificialIntelligence, #BackOffice, #ClientExperience, #Dataprotection, #HybridAdvisory, Artificial Intelligence, Blog
---
### [Advisory A look at Investor relations: What keeps clients attached and what drives them away](https://objectway.com/investor-relations-why-switching-your-financial-advisor/)
**Published:** September 5, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Client experience excellence goes through omnichannel communication, the ability to meet clients’ needs, the right technology and paperless processes
**Content:**
###### SEP 05, 2022
# A look at Investor relations: What keeps clients attached and what drives them away
[Marianna Vilardi](https://linkedin.com/in/marianna-vilardi-1bb057163/)
Marketing Content Creator
advisory
[\#clientcommunication](/owintalk/clientcommunication)[\#clientexperience](/owintalk/clientexperience)[\#digitaladvisory ](/owintalk/digitaladvisory)
Let’s think of an investor with a bunch of money to invest, he probably already has a financial advisor watching his back. And he has not, he might get himself one. But careful there, it’s still a relationship we are talking about and, as every relationship, you need to find the right fit – for your very own financial goals – to make it work.
The Wealth landscape is ever changing, in terms of both client needs and demographics. Loyalty is considered an extremely important asset for clients, even more than past years. The same way, switching financial advisor is not subject to any hesitation for millennials and Generation Z, if they scent the relationship is not going well and they are paying for a service that doesn’t carry the expected results and won’t certainly drive loyalty, eventually.
Should I stay or should I go? The rhythm of the Investor
Via a brief LinkedIn survey, we asked professionals what would lead them to switch their financial advisors. Consequently, we discuss what would make them stay.
Apparently, 56% of respondents agree that failing to properly address changing needs is more than a valid reason to break up with their current financial advisor. As experienced, the industry is evolving daily, and the client base is increasing in number and complexity of needs and expectations. It’s fair that investors want advisors that can reshape advise according to their changing needs and are equipped with the latest technology – robo advisory, avant-garde mobile apps etc. – to support them so. After all, financial success and security is what investors look for and understanding needs and goals is the most important requirement of a great advisor.
Not surprisingly, sporadic communication is the second most selected items (22%). We assume a few reasons to this.
First, stepping out from a period of great uncertainty, investors still feel to different degree the need to keep their investments constantly monitored and to have quick, direct advice on what to do in times of financial volatility. What’s more, customers feel more “relaxed” if their investments are handled by someone they can trust. And trust requires communication for a strong client relationship to flourish.
Also, in the age of smartphones, social media etc. any question can be answered nearly in real time and information is literally a click away. This scenario raised the bar and now we all expect a best in class service from the people and business we interact with. Within financial advisory this means annual meetings and quarterly reports are no longer enough.
And clients, they expect some choice over how and when to communicate. Indeed, 11% of professionals judge single channel client relationship as a motive to go.
Last but not least, 11% of respondents would leave in front of paper-based processes. If onboarding is an area of attention as the first encounter with your digital-first client, once in, a paper intensive “rest of the relationship” – paper-based reporting to name one service – won’t stop him from leaving.
At the end of the day, none expects financial advisors to court investors with flowers and chocolate, but there are indeed a few things to bear in mind to keep your investors engaged and loyal.
And if we all know relationships and loyalty do not happen overnight, then the journey towards client experience excellence goes through frequent, omnichannel communication, stellar ability to meet clients’ evolving needs matched with the rightest technology and a set of paperless, digital end-to-end processes.
**RELATED POST**
Customer Experience
### Gain a sky-high competitive advantage with an end-to-end digital client onboarding
[](/gain-competitive-advantage-switching-to-paperless-and-digital-client-onboarding/)
Case Study
### ATTRACTING IFAS ASSETS
WITH A DIGITAL-FIRST ADVICE MODEL
[](https://www.objectway.com/download-case-study-attracting_ifas_assets_with_a_digital-first_advice_model/)
**Categories:** #ClientCommunication, #ClientExperience, #DigitalAdvisory, Advisory, Blog
---
### [Advisory Leveraging centralised cloud MiFID II advisory](https://objectway.com/leveraging-centralised-cloud-mifid-ii-advisory/)
**Published:** April 21, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Take advantage of a centralised and structured investment tool on Cloud that standardises the generation of investment proposals respecting individual’s preferences
**Content:**
###### APR 21, 2022
# Leveraging Centralised Cloud MiFID II Advisory
[Nicola Amoruso](https://www.linkedin.com/in/nicola-amoruso-21b2772/)
Client Program & Demand Manager
advisory
[\#Hybridadvisory](/hybrid-advisory/)[\#Cloud](/cloud-2/)[\#Mifid](/mifid/)[\#Frontoffice](/front-office/)
When new financial regulations are introduced, financial institutions do not always have sufficient time to be operationally ready ahead of the expected changes. Often details are only clarified by the regulator a few months in advance of the introduction of the rules, so it is sometimes difficult to define a programme that can mobilise the people, infrastructure and technology, needed to comply with the regulations in time.
These concerns increase even more since typically a bank’s network consists of different branches who have implemented different solutions which falls into conflict with the regulatory requirement to provide standardised and detailed communication to all customers.
FILLING THE REGULATORY GAP TO LEVERAGE ON CUSTOMER POTENTIAL
One way that this regulatory gap may be breached is to implement a digital advisory platform that is ESG and MiFID 2 compliant, underpinned by a goal-based investment planning and advice execution workflow. This will enable institutions to adopt a consistent approach across the entire customer base.
Such a solution would provide the bank with a centralised tool that standardises the generation of proposalsthrough the different branches and simultaneously enables private bankers and wealth managers to treat their customers fairly and consistently whilst [providing investment proposals](/achieve-democratisation-through-personalized-investment-advisory-proposal/) that respect an individual’s preferences for sustainability and other constraints over their investments.
Such a solution can also construct efficient model portfolios reducing the complexity of the asset allocation process and providing a further consistency across the customer base.
To shorten the implementation and accommodate the customer’s business goals these solutions are best if hosted on Cloud and delivered using a SaaS model. The flexibility of Cloud and SaaS solutions allows for more efficiency in the delivery of a solution, reducing the bank’s time-to-market for its needs.
An efficient project governance structure and the management of organisational impact will facilitate a successful implementation, fully integrated into the bank’s eco-system.
To achieve this goal, novobanco, one of the largest banks in Portugal, choose Objectway as a partner to create a centralised and structured investment tool that would deliver an advanced financial advisory experience, democratising their wealth offering: the [case study now available](https://www.objectway.com/download-case-study-leveraging-centralized-cloud-mifid-ii-advisory/).
Finally, it has become evident that the pandemic, assisted by new technologies, has enabled private bankers, investment managers and their customers to take advantage of new tools to enhance their service. Additionally, recent regulations such as MiFID 2 and ESG have been a driver for financial institutions to review and standardise their advisory processes and respond to those customers who are increasingly attentive to the environmental and social implications of their investments.
**RELATED POST**
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### Robo for Advisor: La sofisticazione resa semplice
[](/robo-for-advisor-la-sofisticazione-resa-semplice/)
Advisory
### L’innovazione dei Servizi Cross Border per il Private Banking
[](/owintalk/linnovazione-dei-servizi-cross-border-per-il-private-banking/)
Digital Transformation
### Digital to design personalised investment proposals, effectively
[](/achieve-democratisation-through-personalized-investment-advisory-proposal/)
**Categories:** #Cloud, #FrontOffice, #HybridAdvisory, #Mifid, Advisory, Blog
---
### [Advisory Attracting IFAs assets with a digital-first advice model](https://objectway.com/attracting-ifas-assets-with-a-digital-first-advice-model/)
**Published:** June 13, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Become the platform of choice for IFAs transforming your business and offering a complete set of digital investment services.
**Content:**
###### JUN 14, 2022
# Attracting IFAs assets with a digital-first advice model
[Barbara Gentile](https://www.linkedin.com/in/barbara-gentile-3722782/)
Product Marketing Manager
[Alberto Cuccu](https://www.linkedin.com/in/alberto-cuccu-21a401/)
Chief Executive Officer
advisory
[\#DigitalChange](/owintalk/digitalchange/)[\#HybridAdvisory](/owintalk/hybrid-advisory/)[\#DigitalAdvisory](/owintalk/digital-advisory/)[\#Onboarding](/owintalk/onboarding)
In recent years, the shift to digital-first advisory models has gained momentum enabling IFAs (Independent Financial Advisors) to conduct more business through investment managers and platforms.
A piece of research recently conducted in the UK predicts that, in the next 12 months, more than 50% of IFAs will increase their business to third parties, more than 70% will digitally access their investment platforms daily and the vast majority will differentiate their business by using multiple partners.
The key to become the platform of choice for IFAs is to transform the business by introducing a set of digital services and offering a complete set of investment services to IFAs, from full SIPPs and complex pension investment options, to boutique discretionary investment management services and Investment Trusts, etc.
Onboardings and client reporting should be paperless, including digitally signed proposals and contracts. If the entire process is paper-based, with slow, complex and error prone onboarding, customers start to lose business in favour of other more modern and digital ready providers.
The optimal solution to implement could follow an incremental and agile approach to digital transformation, providing initially a minimum viable solution followed by incremental sets of features and releases:
- 24×7 IFA digital portal for investment solutions simulation, sale, insights, accessing their book of business, anytime and anywhere from any device, reporting and monitoring to increase market penetration integrated with legacy back-office.
- Digital paperless client onboarding and mandate set-up solution including post-onboarding client management and servicing features like suitability reviews, suitability monitoring, client communications management.
- Digital client engagement portal and apps empowering clients to access and manage investment information anytime and anywhere in collaboration with the IFA for secure messaging, documents sharing, digital signature of proposals and contracts amendments.
Next steps could be incremental releases to fully digitise all client lifecycle management processes, to increase profitability by reducing operational costs.
Thanks to a comprehensive digital transformation programme, it could be possible to gain a competitive advantage against peers in the IFA market arena, demonstrated by strong growth of IFA introduced business and net inflows.
Moreover, the IFA’s TCO (total cost of ownership) could be reduced by increasing advisor productivity, boosting digital client penetration by attracting digital savvy investors and increasing the IFA’s NPS (Net Promoter Score) by generating leads through referral marketing.
The brand could therefore be repositioned as a digitally enabled advice driven business, ready to face future competition today.
Want to know more? [Read our case study and discover how to gain a competitive advantage against peers in the UK IFA market arena](https://www.objectway.com/download-case-study-attracting_ifas_assets_with_a_digital-first_advice_model/?lang=en)
**RELATED POST**
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### Leveraging Centralised Cloud MiFID II Advisory
[](/leveraging-centralised-cloud-mifid-ii-advisory/)
Advisory
### Mass Customisation: A Tale of Technology Serving the Advisor
[](/mass-customisation-a-tale-of-technology-serving-the-advisor/)
Advisory
### Financial Advisory: The Present is Holistic
[](/financial-advisory-the-present-is-holistic/)
**Categories:** #DigitalAdvisory, #DigitalChange, #HybridAdvisory, #Onboarding, Advisory, Blog
---
### [Advisory Winning the IFAs challenge](https://objectway.com/winning-ifas-challenge-with-digital-first-advisory-model-for-differentiating-the-business/)
**Published:** August 1, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway features The Wealth Mosaic UK WealthTech Lascape Report 2022 investigating the shift to digital-first advisory models for IFAs
**Content:**
###### AUG 01, 2022
# Winning the IFAs’ digital challenge
[Alberto Cuccu](https://www.linkedin.com/in/alberto-cuccu-21a401/)
Chief Executive Officer
advisory
[\#OfferingEvolution](/offering-evolution/)[\#Onboarding](/onboarding/)[\#ClientCommunication](/clientcommunication/)[\#Cloud](/cloud-2/)[\#Mifid](/mifid/)[\#Businessdevelopment](/businessdevelopment/)
Objectway features The Wealth Mosaic UK WealthTech Lascape Report 2022 to dive deep into the role and relevance of the growing range of technology within the UK market, particularly investigating the shift to digital-first advisory models that enables IFAs to conduct more business through investment management platforms.
How to gain a competitive advantage from what’s going on
Over the past decade, both advisors and direct retail investors have increasingly favoured platforms as the designated channel to access investment products. The attractiveness of platforms is chiefly driven by the investment fund range they offer.
A further consideration is investment fund returns. Beyond products and performance, low costs are still quite decisive to advisors. Looking at the bigger picture, clients’ preferences are for specialist advice and additional expertise where it is not available in-house.
According to research, more than half of IFAs operating in the UK market will increasingly rely on third parties. The vast majority will access these third parties digitally via investment platforms on a daily basis and using multiple partners, this way differentiating their business.
Investment managers need to take note of this. IFAs are a key distribution channel for them, so understanding IFAs’ preferences is crucial for investment product providers wanting to expand their distribution reach.
Being in constant contact with clients is a must for any financial advisor, but many fail. If things are ticking over nicely it is tempting to get in touch only when there is a problem. Today’s clients expect more. They want a relationship with their advisers and they also want some choice over how and when to communicate. Having an omni-channel client relationship is more necessary than ever, particularly since the pandemic. If IFAs do not keep up with the new technology, they are more likely to lose their clients.
[Onboarding](/gain-competitive-advantage-switching-to-paperless-and-digital-client-onboarding/) is another area to watch out for. If the entire process is clunky and slow then there is the danger of losing the client before they have even signed up in today’s digital-first world. Onboarding and client reporting should be paperless, and include digitally signed proposals and contracts.
Another issue is how financial advisors address [intergenerational wealth transfer](/front-office-efficiency-and-intergenerational-wealth-retention-through-digital-change/), which is a pounding topic these days. According to Schroders Survey, three quarters (74%) of advisors view wealth transfer between generations as an opportunity for their business.
Indeed, there’s a new generation entering the investment scenario and inheriting the wealth. Beyond the traditional way of investing, the new generation value and expect an ongoing engagement with their advisor. If not met, this expectation may lead to choosing an online or hybrid advice solution rather addressing to their parents’ long-trusted advisor.
However, when it comes to engagement only around one in three advisors said they have a specific proposition for addressing the transfer of family wealth to the next generation.
What’s more, very few have a sales and marketing strategy specifically aimed at younger investors. This is further supported by the survey results indicating that the percentage of advisors that will accept new clients with less than GB£50,000 has been continually declining and is now at just 39%.
These key strategic priorities could be addressed with an incremental and agile approach to digital transformation, providing anytime and anywhere omni-channel advisor/client digital portal, paperless client onboarding together with mandate set-up solution and digital client engagement portal with apps enabling clients to access and manage investment information in collaboration with the IFA.
Next steps could be incremental releases to fully/digitise all client lifecycle management processes, to increase profitability by reducing operational costs.
[Read the full report in collaboration with The Wealth Mosaic to discover more.](https://www.objectway.com/download-analyst-research-the-uk-wealthtech-landscape-report-2022/)
**RELATED POST**
Advisory
### Attracting IFAs assets with a digital-first advice model
[](/attracting-ifas-assets-with-a-digital-first-advice-model/)
Case Study
### ATTRACTING IFAS ASSETS
WITH A DIGITAL-FIRST ADVICE MODEL
[](https://www.objectway.com/download-case-study-attracting_ifas_assets_with_a_digital-first_advice_model/)
**Categories:** #BusinessDevelopment, #ClientCommunication, #Cloud, #Mifid, #Offeringevolution, #Onboarding, Advisory, Blog
---
### [Advisory Hybrid Advisory: The Golden Age](https://objectway.com/hybrid-advisory-an-opportunity-to-boost-operational-effciency/)
**Published:** September 26, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** An increase in Robo Advisors managing financial services from payment advice to automated investment, at lower costs, quicker and online.
**Content:**
###### SEP 26, 2022
# Hybrid Advisory: The Golden Age
[Marianna Vilardi](https://linkedin.com/in/marianna-vilardi-1bb057163/)
Marketing Content Creator
advisory
[\#HybridAdvisory](/hybrid-advisory/)[\#RoboAdvisory](/robo-advisory/)[\#Onboarding](/onboarding/)
The interaction between customers and firms has changed, both in terms of space and way of interaction, leading to an increase in self-service technologies demand, delivery and usage, we speak of AI driven advisory – particularly of Robo Advisors -, managing a wide variety of financial advisory services – from payment advice to automated investment, at lower costs, quicker and online.
Today, clients are not willing to abandon the digital paradigm that is now established but begin to claim back the human touch they have missed. Traditional wealth management, based on physical interactions is long gone, and leaves space to online onboarding, automated portfolio creation with a taste of human engagement.
The perfect blend
Via a brief LinkedIn survey, we asked professionals what type of advisory model they’d reckon as most appropriate to their needs and preferences. Hybrid advisory climbs the ranks as most selected item (78%), compared to Human Advisory and AI driven advisory alone with a score tied of 11%.
If clients won’t give up on either of the two ingredients, we assume the best in class will be those who succeed in optimally blending the two across all the different stages of the relationship: onboarding, offering building, issues management and client retention.
As far as onboarding is concerned, it is generally about a tedious, long process including collecting and approval of client data and document, risk appetite profiling, ESG risk attitude, together with ID checks etc. from the client perspective, automation brought about by the hybrid approach enhance the onboarding experience so that clients have a quick, frictionless onboarding process and engage via either a preferred channel or a combination of digital and human interactions. This way, an efficient onboarding process is there to lay the foundation to winning and retaining clients.
Starting on the right foot, throughout next steps, portfolios are created, developed, and rebalanced by algorithms on one side and clients can autonomously access their investments anytime and anywhere thanks to an omnichannel approach. At the same time, they have the flexibility to reach out to their advisors whenever they want across the entire user journey, if they feel their changing needs call for higher – or better, hyper – personalisation of advice or they have more complex issues to discuss. Or during a crisis, when the financial situation seems to tremble, the human component of the hybrid solution serves as a buffer to support clients more thoroughly and reassure them about their finances.
Advisor’s side, they still have quite the place in the industry, but their role will be different. The digital component of the hybrid solution is an opportunity for financial advisors to boost operational efficiency and overall effectiveness, streamlining main processes and minimising errors, thus focusing attention and efforts on more value-adding activities and concentrate on building qualitative relationships.
What’s more, beyond processes that are preferably all digital, let’s think of a firm that managers considerably large portfolios. AI can assist the advisor in assembling client disorganised data into a single digital platform, monitor risks and exposure so that he earns back in time saving.
Digitalisation also provides more transparency around costs and fees in the eyes of consumers, and greater visibility and choice around how and where to invest their money. For instance, the next generation who’s already inheriting, is increasingly interested in environmental sustainability, ethical issues and the social cause and feel it’s their responsibility to make an impact on the social community.
At first sight, these seem to be advantages for the client only, nonetheless it’s worth reminding that satisfied customers is the goal of any advisory firms, so they are indeed extremely beneficial the other way round. Customer satisfaction will drive retention, relationship, loyalty.
Business’ side, a hybrid advisory approach enables firms to attract younger demographics, stay ahead of the curve, grow, and compete in the digital age.
At the end of the day, it’s always not easy to choose one thing over the other and when there’s a solution that offers the best of both worlds – process digitalisation keeping client front of mind on the background of an advanced, flexible platform -, it’s a wrap!
**RELATED POST**
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### A look at Investor relations: What keeps clients attached and what drives them away
[](/investor-relations-why-switching-your-financial-advisor/)
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### A new digital paradigm for client onboarding
[](/a-new-digital-paradigm-for-client-onboarding/)
**Categories:** #HybridAdvisory, #Onboarding, #RoboAdvisory, Advisory, Blog
---
### [Advisory Navigating the financial horizon: Takeaways from the 22nd Annual National Financial Planning Conference](https://objectway.com/objectway-at-annual-national-financial-planning-conference-in-canada-to-explore-financial-advisors-opportunities/)
**Published:** May 16, 2024
**Author:** Lorenzo Noventa
**Excerpt:** Objectway participated in the 22nd Annual National Conference in Canada, providing valuable insights into the world of financial advisors and planners.
**Content:**
###### May 16, 2024
# Navigating the financial horizon: Takeaways from the 22nd Annual National Financial Planning Conference
[Dylan Young](https://www.linkedin.com/in/dylan-young-ab7225113/)
Head of Advisor Solutions – FinTech
Advisory
[\#ClientExperience](/clientexperience/)[\#Onboarding](/onboarding/)[\#Sustainability](/sustainability/)
Last week, Objectway participated in the 22nd Annual National Conference, the premier financial planning gathering of major Canadian financial services organisations planner, technical and educational experts. Over two and a half days, we were immersed in a wealth of information through sessions, networking opportunities, and presentations from top-notch speakers on advanced financial topics, sales and practice insights.
The conference was extremely enlightening, providing valuable insights into the world of financial advisors and certified professional planners. We engaged in meaningful discussions about retirement strategies including new trends such as semi-retirement or clients never retiring at all. We also discussed the affordability landscape across Canada, the [value of advice](/tech-driven-evolution-and-challenges-in-wealth-management-for-2023-and-beyond/) and the impact financial plans have on clients. We found that there is an incredible impact on clients both financially and psychologically when they have a financial plan in place, making them more confident about navigating these uncertain times. We also examined the potential implications of the 2024 federal budget and assessed the influence of upcoming political changes on financial markets. The 2024 federal budget had significant changes that every advisor and client should be aware of, like the capital gains inclusion rates increasing by the end of June, and an increase in withdrawal limits for first time home buyers, just to mention a few.
Throughout these discussions, one clear message resonated: achieving long-term financial security requires a comprehensive approach. That is why we had so much to share with advisors. Our mission is to empower individuals to take control of their financial futures, and we believe that having the right support and resources is essential to achieve this goal.
We’re committed to providing advisors with the tools they need to assist their clients effectively. Our collaborative approach ensures that advisors have the support and expertise necessary to address their clients’ evolving financial needs.
Now truth be told, I found myself writing this reflection from the busy St. John’s airport, where unexpected delays and cancelled flights affect thousands. Despite the unexpected turn of events, the conference’s impact resonates profoundly, underscoring the importance of adaptability and resilience in both financial planning and unforeseen circumstances.
If you have any questions about my experience or would like to discuss further, I encourage you to reach out as I am eager to discuss my experiences with you.
For Dylan’s contact details and scheduling meetings, please refer to the information provided [HERE.]()
**RELATED POST**
Market Trends
### Initial Outlook for Fintech in Europe in 2024
[](/initial-outlook-for-fintech-in-europe-2024/)
Digital Transformation
### Objectway at T3 Technology Conference: Unleashing potential through the acquisition of Nest Wealth
[](/objectway-at-t3-technology-conference-unleashing-potential-through-the-acquisition-of-nest-wealth/)
Market Trends
### Strategic imperatives to keep in mind for 2024
[](/wealth-and-asset-management-trends-for-2024/)
**Categories:** #ClientExperience, #Onboarding, #Sustainability, Advisory, Blog
---
### [Advisory Il Futuro del Wealth Management: Tecnologia, Personalizzazione e nuovi modelli di Servizio](https://objectway.com/il-futuro-del-wealth-management-tecnologia-personalizzazione-e-nuovi-strumenti-di-advisory/)
**Published:** October 31, 2024
**Author:** Lorenzo Noventa
**Excerpt:** Il modo in cui i clienti interagiscono con gli advisor sta cambiando: tecnologia, personalizzazione e interazione favoriscono una collaborazione attiva.
**Content:**
###### OCT 31, 2024
# Il Futuro del Wealth Management: Tecnologia, Personalizzazione e nuovi modelli di Servizio
[Nicola Pepè](https://www.linkedin.com/in/nicola-pepe-6569861/)
Senior Business Development Manager
advisory
[\#OpenApi](/open-api/)[\#Artificialintelligence](/artificial-intelligence/)[\#Automation](/automation/)[\#Clientrelationship]()[\#HybridAdvisory](/hybrid-advisory/)[\#Hyperpersonalisation](/hyper-personalisation/)[\#Onboarding](/onboarding/)[\#Portfoliomanagement](/portfolio-management-h/)
Un nuovo cliente: da “Delegator” a “Validator”
Negli ultimi anni, il modo in cui i clienti interagiscono con i loro consulenti finanziari è cambiato profondamente. Oggi, grazie alla maggiore accessibilità alle informazioni e alla crescita delle competenze personali, il cliente non si limita più a delegare, ma vuole partecipare attivamente alle decisioni d’investimento.
Questa transizione apre la strada all’innovazione e richiede un ripensamento dei processi e degli strumenti utilizzati dalle istituzioni finanziarie. In particolare, le piattaforme applicative devono essere in grado di abilitare un’interazione più collaborativa tra cliente e consulente, favorendo una gestione condivisa delle informazioni.
Il ruolo delle piattaforme tecnologiche
Le piattaforme tecnologiche giocano un ruolo cruciale in questa transizione. Per facilitare un rapporto più interattivo e costruttivo tra cliente e advisor, le piattaforme devono evolversi per supportare nuovi modelli di comunicazione e gestione delle informazioni. Un aspetto fondamentale è [l’integrazione di strumenti](/engaging-the-next-generation-of-investors-through-digital-innovation/) che permettano ai clienti di essere attivamente coinvolti, garantendo al contempo sicurezza e controllo dei dati.
Alcune funzionalità chiave che le piattaforme applicative dovrebbero offrire sono:
- Condivisione controllata delle informazioni: Le aree di Document & Content Management sono fondamentali per assicurare che la documentazione e le informazioni sensibili vengano gestite in modo sicuro e accessibile solo alle parti autorizzate.
- Spazi virtuali sicuri: Strumenti di Web Collaboration che permettano a clienti e advisor di confrontarsi in un ambiente sicuro, nel rispetto delle norme di Cyber Security.
- Interazione tra diverse funzioni di business: Le piattaforme devono essere in grado di tradurre le preferenze e gli obiettivi del cliente in dati utilizzabili per la gestione del portafoglio e per la consulenza, facilitando una visione integrata e personalizzata.
- Gestione dinamica del tempo:Funzionalità di Remote Meeting potenziate da Generative AI possono automatizzare la creazione di note e riepiloghi, trasformando le discussioni in input operativi per le funzioni di Portfolio Management ed Advisory e le successive decisioni d’investimento.
L’uso di strumenti esterni al contesto delle piattaforme istituzionali, come WhatsApp o Google Meet, è già una realtà per molti consulenti. Tuttavia, è importante che questi strumenti siano integrati in modo più formale nel processo di relazione, per garantire che le informazioni scambiate vengano utilizzate efficacemente.
Centralità del cliente e Personalizzazione del servizio
In un contesto in cui i clienti diventano sempre più esigenti, le piattaforme devono anche evolvere per rispondere a queste nuove sfide. Storicamente, le soluzioni applicative si sono concentrate sulla raccolta e visualizzazione delle informazioni con un approccio “cliente al centro”. Oggi, è necessario un passaggio verso piattaforme che non solo raccolgano dati, ma che li trasformino in opportunità di confronto e valore per l’investitore.
Le esigenze dei clienti sono molteplici e includono non solo la gestione degli investimenti, ma anche la valorizzazione e protezione del patrimonio, la protezione personale, la pianificazione successoria e l’analisi del patrimonio immobiliare. In questo contesto, le piattaforme devono diventare vere e proprie soluzioni di Wealth Planning, capaci di supportare l’intero spettro delle esigenze finanziarie e patrimoniali del cliente.
La personalizzazione è la chiave. Da un lato, grazie all’uso di AI e strumenti di analisi avanzata, le piattaforme possono ottimizzare i portafogli dei clienti considerando variabili comportamentali, obiettivi di vita, preferenze ESG e livelli di tolleranza al rischio. Dall’altro, la personalizzazione come leva strategica fondamentale è anche la capacità di creare e mantenere un’interazione coordinata e contestuale tra le diverse strutture aziendali, Rete commerciale, Prodotto, Risk e Operations. Grazie a questo approccio, sia nei servizi di consulenza che nella gestione patrimoniale, è possibile recepire le preferenze dei clienti in modo sistematico, mantenendo il valore unico operato dall’istituzione e creando una risposta integrata e personalizzata alle loro esigenze.
Innovazione attraverso l’interazione
Il momento del confronto tra cliente e advisor, in questo contesto più complesso, diventa particolarmente delicato. Non sempre le informazioni preparate in anticipo sono sufficienti per gestire la discussione in tempo reale. È qui che la tecnologia può fare la differenza, abilitando interazioni dinamiche e immediate tra l’advisor e la piattaforma, rendendo possibile la valutazione di nuovi scenari e what-if durante l’incontro.
Immaginiamo un futuro prossimo in cui l’advisor non dovrà più muoversi tra moduli e funzioni, ma potrà dialogare direttamente con la piattaforma, magari attraverso assistenti vocali o interfacce AI. L’advisor potrebbe chiedere in tempo reale alla piattaforma di considerare un nuovo scenario, e ottenere immediatamente un’analisi che risponda alle esigenze del cliente. Questo approccio, già anticipato dagli assistenti vocali che utilizziamo nella nostra quotidianità, sarà un vero e proprio driver di innovazione.
La direzione del mercato è chiara: una tecnologia sempre più intuitiva e dialogante, che non solo ottimizzi i processi ma che sappia abilitare un’interazione ricca e personalizzata tra advisor e cliente.
**RELATED POST**
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### Balancing Innovation and Trust: AI’s Role in Future Advisory Workflows
[](/balancing-innovation-and-trust-ai-role-in-future-advisory-workflows/)
Artificial Intelligence
### AI e GenAI: nuovi strumenti a supporto del WM
[](/artificial-intelligence-e-gen-ai-a-supporto-del-wealth-management/)
Market Trends
### Da Open Banking a Open Finance: come può evolvere il Wealth Management?
[](/from-open-banking-to-open-finance-the-evolution-of-wealth-management/)
**Categories:** #Api, #ArtificialIntelligence, #Automation, #ClientRelationship, #HybridAdvisory, #HyperPersonalisation, #Onboarding, #PortfolioManagement, Advisory, Blog
---
### [about objectway Backend, frontend & much more: an opportunity to meet and discuss](https://objectway.com/codemotion-conference-2022-the-event-for-the-tech-community/)
**Published:** November 8, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** The Codemotion Conference was an opportunity for exchange, market players could engage with the community, introduce their company and show their technologies
**Content:**
###### nov 08, 2022
# Backend, frontend & much more: an opportunity to meet and discuss
[Renato Perini](https://www.linkedin.com/in/rperini/)
DevOps Architect
about objectway
- [ENG](#tab-1750775639387-3)
- [ITA](#tab-1750775639441-5)
[\#BackOffice](/owintalk/backoffice/)[\#FrontOffice](/owintalk/front-office/)[\#DigitalChange](/owintalk/digitalchange/)
The Codemotion Conference 2022 has just ended, an event Objectway participated in again this year.
After the pandemic and lockdowns, the famous conference entirely dedicated to the tech community is back with a live event after well over 1000 days since the last edition carried out in person. Many developers were present, over 3,000 from all over Europe, more than 100 speakers, dozens of sessions to discuss technology and the future of the development universe, with many companies seizing the opportunity to interact with the participants and meet new talents.
Organised in Milan, in the technological heart of Italy, the Codemotion Conference was an opportunity for exchange, where talents from all over Europe could interact directly with the main market players and market players themselves could engage with the community, introduce their company and show their technologies.
This year Objectway participated not only as a sponsor, but also as a speaker, illustrating the details of a frontend framework in a context of Continuous Integration and Delivery. It was a comprehensive speech, offering the participants a complete view of both the framework and the frontend technologies underlying the [Objectway products](https://www.objectway.com/technology/), and a technical overview of the CI methodologies, container construction and code analysis. We provided many technical and reflective ideas on these issues, which today are increasingly important to increase the quality of the software and development processes involved.
The response to the speech was extremely positive: many developers approached our stand to ask for information, interact and ask questions. The Codemotion Conference 2022 also represented a privileged channel for students to get in touch with our HR team and join Objectway, sharing their very own passions, ambitions, and talent.
It was an event full of good vibes that gave us a great opportunity to meet and discuss with the developer community, which leaves us with a great dose of optimism looking forward to the next edition!
[Are you interested in the world of software development, code analysis and backend solutions? Learn more about our career opportunities, consult our Open Job Positions and do not hesitate to send us your CV!](https://www.objectway.com/careers-open-job-positions/)
[\#BackOffice](/owintalk/backoffice/)[\#FrontOffice](/owintalk/front-office/)[\#DigitalChange](/owintalk/digitalchange/)
Si è da poco conclusa la Codemotion Conference 2022, evento a cui anche quest’anno Objectway ha preso parte.
Dopo gli avvenimenti di pandemia e lockdown, la celebre conferenza interamente dedicata alla community tech è tornata con un evento live dopo ben oltre 1000 giorni trascorsi dall’ultima edizione effettuata in presenza. Tantissimi gli sviluppatori presenti, oltre 3.000 da tutta Europa, più di 100 speaker, decine di sessioni per discutere di tecnologia e futuro del mondo dello sviluppo, tante aziende che hanno avuto l’opportunità di interagire con i partecipanti ed incontrare nuovi talenti.
Quest’anno Objectway ha partecipato non solo in qualità di sposor, ma anche come speaker, illustrando i dettagli di un framework frontend in un contesto di Continuous Integration e Delivery. E’ stato uno speech ad ampio respiro, dove i partecipanti hanno potuto avere una visione completa sia del framework e delle tecnologie frontend alla base dei [prodotti Objectway](https://www.objectway.com/technology/), sia una panoramica tecnica sulle metodologie CI, costruzione di container e analisi del codice con il quale speriamo di aver fornito molti spunti tecnici e di riflessione su queste tematiche, oggi sempre più pervasive e importanti per aumentare drammaticamente la qualità del software e dei processi di sviluppo coinvolti.
Quest’anno Objectway ha partecipato non solo in qualità di sposor, ma anche come speaker, illustrando i dettagli di un framework frontend in un contesto di Continuous Integration e Delivery. E’ stato uno speech ad ampio respiro, dove i partecipanti hanno potuto avere una visione completa sia del framework e delle tecnologie frontend alla base dei [prodotti Objectway](https://www.objectway.com/technology/), sia una panoramica tecnica sulle metodologie CI, costruzione di container e analisi del codice con il quale speriamo di aver fornito molti spunti tecnici e di riflessione su queste tematiche, oggi sempre più pervasive e importanti per aumentare drammaticamente la qualità del software e dei processi di sviluppo coinvolti.
La risposta al talk è stata estremamente positiva: tanti gli sviluppatori che, incuriositi, si sono avvicinati al nostro stand per chiedere informazioni, interagire, porre delle domande, o semplicemente lasciare un saluto La Codemotion Conference 2022 ha inoltre rappresentato un canale privilegiato per relazionarsi con il nostro team HR ed entrare a far parte di Objectway, condividendo la propria passione, la propria ambizione ed il proprio talento.
E’ stato un evento carico di positività che ci ha dato una grande opportunità di incontrarci e confrontarci con la comunità di sviluppatori, che ci lascia con una buona dose di ottimismo in attesa della prossima edizione.
[Sei interessato al mondo dello sviluppo del software, analisi del codice e soluzioni bankend? Scopri di più sulle nostre opportunità di carriera, consulta le nostre posizioni aperte e non esitare a mandarci il tuo CV!](https://www.objectway.com/careers-open-job-positions/)
**RELATED POST**
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### Money can’t buy happiness…but Cloud can
[](/enable-business-change-with-cloud-computing/)
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### Cloud Migration in the Background of a Digital Transformation Framework
[](/cloud-migration-in-the-background-of-a-digital-transformation-framework/)
**Categories:** #BackOffice, #DigitalChange, #FrontOffice, About Objectway, Blog
---
### [about objectway Objectway International Customer Conference 2023: Ready, Steady, Go!](https://objectway.com/objectway-international-customer-conference-2023-ready-steady-go/)
**Published:** December 19, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** The Codemotion Conference was an opportunity for exchange, market players could engage with the community, introduce their company and show their technologies
**Content:**
###### dec 19, 2022
# Objectway International Customer Conference 2023: Ready, Steady, Go!
[Maria Federica Marciano](https://www.linkedin.com/in/maria-federica-marciano-bb0b4215a/)
Head of Group Marketing
about objectway
[\#Customerconference ](/owintalk/customer-conference/)[\#OWIN](/owintalk/owin/)\#Sustainable\#Innovation
It’s official, OWIN is back! Past the Covid-19 pandemic restrictions of the last three years, we are more than happy to announce that in 2023, we’ll be hosting, in-person, the next edition of our iconic International Customer Conference, in a UNESCO World Heritage Site, the glorious city of Venice, Italy.
Throughout its multiple editions Objectway Customer Conference has been an exclusive event and experience entirely dedicated to our customers. An opportunity to further develop and strengthen the relationship with our clients’ community: to discuss and showcase market and technology trends and challenges, with the participation and insightful point of view of industry-leading market analysts, partners and journalists; to explore the evolution and growth plans of our company.
Back in London, late 2015, the keyword of our Customer Conference was bravery, and it paid off. Amsterdam, late 2016, was the time of confirmation, of our vision; Rome, early 2018, was marked with the seal of awareness, of our mission and the strategy to achieve it. In early 2023, Venice calls – quite loudly – for innovation! And not any type. Our next Customer Conference will bridge you to the discovery of business sustainable innovation!
Bridging a Sustainable Future & deliver Business Growth
There is a clear link between sustainable growth and innovation in wealth management, that is sustainable growth requires sustainable innovation. And both are essential, growth and innovation, to operate in the current, fast-changing environment.
Customer expectations are ever-evolving, market trends are ever-changing, disruptive events as we’ve learned are ever-lurking, digital has become a non-negotiable hygiene beyond products, services and experiences but as flowing in a company DNA. With so many seismic shifts, we are used to think the password to log in the financial market is to “keep pace”, when it is rather to “innovate seamlessly”.
Innovation in wealth management can take many forms, including the development of new financial products, the use of new technologies to improve the efficiency and effectiveness of the wealth management process, and the implementation of new business models.
The same way, “sustainable” is a tricky word, and sustainability is the talk of the town, carrying different meanings depending on who you’re speaking to, the context you’re speaking of.
But if we look at it from a very narrow perspective, and that is the exercise we did, it simply refers to something that lasts. Therefore, set aside single innovations, sustainable innovation for us lies in the ability of an organisation to continuously, seamlessly adapt and evolve to smoothly meet changing needs and preferences, master unpredictable circumstances and stay competitive in a rapidly changing market.
This is the very first ingredient to achieve sustainable, long-term growth.
What better city than Venice as a metaphor for the energy flows that allow corporate growth. We captured one of its most symbolic images, the bridge: an emblem of integration, fluidity and seamless transition, to innovate by adapting to changing conditions. Venice is a symbol of long-term sustainable growth and agility, capable of governing an ever-changing environment and overcoming obstacles in a natural way, in a context of sustainability and resilience.
Much more than a conference, a Community Experience
On the tune of the wider topic of sustainable innovation, OWIN23 will be an opportunity to meet, interact and connect with other professionals in the industry, learn about industry innovations, stay up to date with industry trends, deepen into our offering and get to know our strategies and innovations for our solutions and services; in one word, Objectway’s sustainable vision for the future!
Within specific dedicated sessions, customers will share their experiences and success in implementing their projects with us. There will be presentations and panel discussions investigating how making intentional changes to a company’s offering or processes may generate social and environmental benefits while creating economic profit; a focus on investment decisions considering sustainability strategies – such as impact investing, green finance, and socially responsible investing – to generate financial returns while also promoting sustainability; conversation about potential financial benefits of adopting sustainable business practices, such as reduced risk, improved reputation, and access to new markets; exchanges on the challenges and opportunities for wealth managers in integrating sustainability into their business models, and strategies for addressing these challenges.
[DISCOVER MORE](https://www.objectway.com/owin/owin23/)
Now imagine crossing the bridge, drawing a path, one that starts from Interactions, Integration and Interconnection, going through Individuals, Information and Insights, one that brings you to Inclusion, Inspiration and Innovation. This is Objectway Customer Conference and we look forward to welcoming you to OWIN23.
18th to 20th April 2023.
Save the date in your agenda!
And stay tuned.
**RELATED POST**
Objectway
### Customer Conference 2023
[](https://www.objectway.com/owin/owin23/)
About Objectway
### OWIN: Your Gateway to our Brand
[](/owin-your-gateway-to-our-brand/)
About Objectway
### OWIN18: Taking Digital Humanism To The Core
[](/owin18-taking-digital-humanism-to-the-core/)
About Objectway
### A Great International Customer Conference
[](/a-great-international-customer-conference/)
**Categories:** #CustomerConference, #Owin, About Objectway, Blog
---
### [about objectway Objectway e Business School IPE: Un incontro che ispira la futura generazione di talenti finanziari](https://objectway.com/objectway-e-ipe-business-school-per-lo-sviluppo-futuro-delle-tecnologie-finanziarie/)
**Published:** June 27, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Abbiamo presentato la realtà Objectway agli studenti del Master di II livello in Finanza Avanzata, Risk Management e Big Data di IPE Business School.
**Content:**
###### JUNE 27, 2023
# Objectway e Business School IPE: Un incontro che ispira la futura generazione di talenti finanziari
[Dalila Morsli](https://www.linkedin.com/in/dalila-morsli-9811a813a/)
Senior Business Analyst
about objectway
- [ITA](#tab-1750774211442-1)
- [ENG](#tab-1750774211473-0)
[\#Digitalisation](/owintalk/digitalisation/)[\#Riskmanagement](/owintalk/risk-management/)[\#Oneobjectway](owintalk/one-objectway/)
L’evento annuale di presentazione di Objectway ai futuri diplomati del Master di II livello in Finanza Avanzata, Risk Management e Big Data ha confermato ancora una volta di essere una fonte di ispirazione e opportunità.
Dopo anni di incontri virtuali dovuti alla pandemia, finalmente ci siamo potuti riunire di persona, creando un’esperienza unica e indimenticabile per tutti i partecipanti, nella cornice perfetta della città di Napoli.
Questo evento rappresenta un momento clou per Objectway e la Business School IPE ed ha l’obiettivo di presentare l’azienda fintech ai futuri diplomati del Master. È un’opportunità per condividere la nostra esperienza, le nostre soluzioni innovative e le [possibilità di carriera che Objectway offre nel campo della tecnologia finanziaria](https://www.objectway.com/careers-open-job-positions/).
L’atmosfera era elettrizzante, le aspettative alte e il desiderio di apprendere palpabile nell’aria. Lo speech che abbiamo preparato è stato coinvolgente e appassionante, fornendo ai partecipanti una visione completa delle tecnologie all’avanguardia che guidano i nostri prodotti e servizi. Ma non ci siamo limitati a parlare di tecnologia; abbiamo condiviso le storie di successo di coloro che come me hanno iniziato il loro percorso professionale dopo aver frequentato il Master presso la Business School IPE e ora lavorano in Objectway, contribuendo all’innovazione nel settore finanziario.
Gli allievi hanno dimostrato un interesse vivido e un’appetibilità per l’apprendimento. Hanno posto domande pertinenti, hanno richiesto informazioni aggiuntive e hanno interagito attivamente con noi. È stato gratificante vedere la loro curiosità e il desiderio di approfondire le proprie conoscenze. Ci siamo resi conto di quanto sia fondamentale fornire una panoramica completa delle tecnologie e delle competenze richieste nel settore finanziario odierno.
L’incontro si è rivelato essere molto di più di una semplice presentazione aziendale. È stato un canale privilegiato per gli allievi del Master in Finanza Avanzata, Risk Management e Big Data per entrare in contatto diretto con Francesca Forino, la nostra HR Country Manager per l’Italia. Gli studenti hanno avuto l’opportunità di condividere la loro passione, l’ambizione e il talento, e di dimostrare perché dovrebbero far parte dell’innovativa realtà di Objectway. È stato un momento di networking e connessioni che potrebbero plasmare il loro futuro professionale.
L’energia e l’entusiasmo che hanno permeato l’evento sono stati contagiosi. Siamo stati travolti dallo spirito di positività e di ottimismo che gli allievi hanno portato con sé. È stato uno scambio di idee e aspirazioni, Ci ha lasciato con la convinzione che il futuro della finanza è nelle mani di talenti brillanti e motivati come quelli che abbiamo potuto incontrare.
Questa edizione dell’incontro ha rappresentato una tappa significativa nel nostro percorso. Dopo un periodo di incontri virtuali a causa delle restrizioni imposte dal COVID-19, il ritorno agli eventi live è stato un momento di gioia e di rinnovata speranza. L’atmosfera vibrante, la partecipazione attiva e l’interazione tra gli allievi e il nostro team hanno reso l’evento ancora più speciale. È stato il segno che, nonostante le sfide che abbiamo affrontato, siamo pronti a costruire un futuro di successo nel settore finanziario.
La reunion tra Objectway e la Business School IPE è stato ancora una volta un momento di apprendimento, condivisione e connessione che ha creato una solida base per futuri sviluppi professionali. Non vediamo l’ora di partecipare alla prossima edizione e di continuare a plasmare il futuro della finanza insieme ai talenti emergenti che abbiamo avuto il privilegio di incontrare.
[\#Digitalisation](/owintalk/digitalisation/)[\#Community](/owintalk/community/)[\#Brandawareness](/owintalk/brandawareness/)
Objectway’s annual presentation event to future graduates of the Master’s Degree Course in Advanced Finance, Risk Management and Big Data once again proved to be a source of inspiration and opportunity.
After years of virtual meetings due to the pandemic, we were finally able to meet in person, creating a unique and unforgettable experience for all participants, in the perfect setting of the city of Naples.
This event is a highlight for Objectway and the IPE Business School and aims to introduce the fintech company to future Master’s graduates. It is an opportunity to share our experience, our innovative solutions and the [career possibilities that Objectway offers in the field of financial technology](https://www.objectway.com/careers-open-job-positions/).
The atmosphere was electrifying, expectations high and the desire to learn palpable in the air. The speech we prepared was engaging and exciting, giving participants a comprehensive view of the cutting-edge technologies that drive our products and services. But we didn’t just talk about technology; we shared the success stories of those who, like me, began their career path after attending the Master’s programme at the IPE Business School and now work at Objectway, contributing to innovation in the financial sector.
The students showed a vivid interest and an appetite for learning. They asked relevant questions, requested additional information and actively interacted with us. It was rewarding to see their curiosity and desire to deepen their knowledge. We realised how crucial it is to provide a comprehensive overview of the technologies and skills required in today’s financial sector.
The meeting turned out to be much more than just a company presentation. It was a privileged channel for the students of the Master in Advanced Finance, Risk Management and Big Data to get in direct contact with Francesca Forino, our HR Country Manager for Italy. The students had the opportunity to share their passion, ambition and talent, and to show why they should be part of Objectway’s innovative reality. It was a moment of networking and connections that could shape their professional future.
The energy and enthusiasm that permeated the event was contagious. We were overwhelmed by the spirit of positivity and optimism that the students brought with them. It was an exchange of ideas and aspirations that left us with the conviction that the future of finance is in the hands of bright and motivated talents like those we were able to meet.
This meeting represented a significant milestone in our journey. After a period of virtual meetings due to the restrictions imposed by COVID-19, the return to live events was a moment of joy and renewed hope. The vibrant atmosphere, active participation and interaction between the students and our team made the event even more special. It was a sign that despite the challenges we faced, we are ready to build a successful future in the financial sector.
The reunion between Objectway and the IPE Business School was once again a moment of learning, sharing and connection that created a solid foundation for future professional development. We look forward to attending the next edition and continuing to shape the future of finance together with the emerging talent we had the privilege to meet.
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### Technological innovations for digital wealth
[](/technological-innovation-for-digital-wealth/)
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### Business Process Automation: A Successful Implementation
[](/unveiling-the-benefits-of-business-process-automation/)
About Objectway
### Objectway to GROW: Goals, Reality and Opportunities that will chart the Way Forward
[](/objectway-to-grow-goals-reality-and-opportunities-that-will-chart-the-way-forward/)
**Categories:** #Digitalisation, #OneObjectway, #RiskManagement, About Objectway, Blog
---
### [about objectway A glimpse at our Conference OWIN23](https://objectway.com/a-glimpse-at-our-conference-owin23/)
**Published:** February 27, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** The Codemotion Conference was an opportunity for exchange, market players could engage with the community, introduce their company and show their technologies
**Content:**
###### FEB 27, 2023
# A glimpse at our Conference OWIN23
[Objectway](https://www.linkedin.com/company/objectway/mycompany/verification/)
about objectway
[\#Customerconference](/owintalk/customer-conference/)[\#Podcast](/owintalk/podcast/)[\#CustomerExperience](/owintalk/customerexperience/)[\#sustainableinnovation](/owintalk/owin/)
The countdown to OWIN23 has already started and we are now just a few weeks away Objectway’s International Customer Conference. We said a lot, but a lot more is still to be revealed. If you missed the first four episodes of our Podcast Series exclusively dedicated to OWIN23, you better make it up to them! Meanwhile, enjoy a quick view at the main themes and topics.
Objectway Sustainable Vision of the Future
Luigi Marciano, Objectway Founder and Group CEO opens the Podcast Series introducing the new edition of our iconic International Customer Conference, with a focus on Objectway Sustainable Vision of the future. Sustainable Business Innovation is going to be at the very heart of OWIN23, he states. It means adapting and evolving to meet changing customer needs, mastering unpredictable circumstances, and staying competitive in a rapidly changing market, all while having a positive impact on business, society, and the environment. This is our vision.
In this context, the use of resources, the direction of investment and technological development, and institutional change are all developed with a consistent and holistic vision of the current and future needs and requirements of all stakeholders, which is the key to achieve sustainable long-term growth.
If we think from this perspective to our business, we are talking about Wealth Democratization, embedding sustainability criteria into Investing Decision Support, developing upskilling programmes to enable more humanization in the client relationship.
OWIN23 will be held, in person, in the city of Venice, the oldest city of the future. Venice serves as a symbol of long-term sustainable growth and agility, capable of adapting to changing conditions and overcoming obstacles in a sustainable and resilient way. We chose it as a metaphor for positive energy flows, which inspire innovation and seamless transitions through integration and fluidity.
[Listen to the full episode!](/podcast-owin23-objectway-sustainable-vision-of-the-future/?utm_source=Linkedin&utm_campaign=OWIN23&utm_id=podcast)
Trends & key Themes in Sustainable Innovation in Wealth
Meet Roger Portnoy, Chief Strategy Advisor for Objectway, for the second episode of the series, as he covers some key trends and themes in wealth management, and particularly the role of sustainable innovation in the client experience. This will be a major area of focus in our upcoming summit in Venice in April and represents an important evolution in the way that Objectway and its clients will seek to utilize emerging technologies and new business models to deliver great outcomes for advisors, relationship bankers, and end clients in 2023 and beyond.
Roger predicts that in 2023, there will be a continued convergence of sustainability and emerging technology innovation in wealth management. This will result in investment and strategic focus on client-focused and holistic technology and service innovations that use cognitive services and are commonly deployed within the cloud. The outcomes of these innovations will reshape digital advice, support personalization in investment solution design, and reduce costs and friction through the use of embedded apps.
There will be further investment in personalized investment solutions and decision support tools that can adjust to client vulnerabilities, sustainability preferences, and financial literacy levels, leading to a continued evolution of the hybrid advisory model and the use of client-facing technologies to achieve it. The client portal will play an increasing role in this process, providing a secure way for firms to collaborate with clients and their trusted advisors. 2023 promises to be a significant year for the evolution of the front office in wealth management, with the potential to not only improve client satisfaction but also the economic and social outcomes for both the firm and each individual that it serves. We look forward to discuss all this through together at our customer conference.
[Listen to the full episode!](/owin23-trends-and-key-themes-in-sustainable-innovation-in-wealth/)
Building Stronger Relationships: The Value of Customer Conferences for Business Development
As the countdown goes on, Dr. Alexander Cassar, Chief Business Operation Officer at Objectway speaks of client relationships at the core of Objectway’s business development approach, grounded, he says, in three imperatives.
First, Business Development is not a synonym for Sales, covering a much wider range of competencies and actions leading to growth. From market needs awareness and new markets exploration, to addressing customer issues for mutual best outcomes.
Second, the keyword is Partnership; when client-centric vendors look deeper and do everything in the clients’ best interest, clients recognise that their vendor’s prosperity and entire life depends on this relationship, and progressive clients make an effort to address vendor concerns, rather than ask for offers and simply accept or reject them.
Development and delivery of solutions becomes a collaborative endeavour, whereby both client and vendor respect, recognise and try to maximise the outcomes for the other party. Some of the most successful long-term relationships in the industry are built on such principles, and Objectway has elevated the Client Partnership strategy to a main approach and business model.
Finally, the ultimate key to success lies in harnessing the magic of customer conferences as unique opportunities to exchange experiences and information with peers, to network and have a bit of fun.
All this and much more is what OWIN23 is going to be.
[Listen to the full episode!](/building-stronger-relationships-the-value-of-customer-conferences-for-business-development/)
Sustainable Innovation: Why it matters
The journey to OWIN23 continues. For the fourth episode of our podcast, It’s Alberto Cuccu speaking, Chief Solution Officer at Objectway. He starts with a clear statement, that is the financial services are continuously evolving and reshaping. The way we think about financial services – the future is all about conscious services or conscious banking – the way financial services will be delivered – where & when clients need it; the value chain is becoming more integrated – we are witnessing the convergence of Wealth Management, Banking, and Asset Servicing, and sustainability has become a priority.
In such a scenario those that will be able to deliver such sustainable innovation are destined to be the leaders of tomorrow. Our framework at Objectway is based on the consolidated concept of the Innovation Diamond, defined by 3 Dimensions. Along these dimensions business innovation will be introduced:
- Customer Experience: The client experience and the focus on creating and maintaining conscious relationships. Delivering an operating model aligned to client lifecycle management.
- Business Configuration: or re-configuration. Business operating model evolution, to enhance scalability, while also reducing cost via automation and standardization in business process design.
- Offering Evolution: focusing on personalization and implementing investment and communication solutions that cater to on-demand/omni-channel dialogue and fulfilment to achieve client objective.
These 3 innovation dimensions should be all driven and overlaid by the design concept of sustainability. We’ll listen to the voice of the market through panel discussions and clients’ stories to delve into each of the three themes.
[Listen to the full episode!](/looking-into-the-eyes-of-sustainable-innovation/)
**RELATED POST**
Objectway
### Customer Conference 2023
[](https://www.objectway.com/owin/owin23/)
About Objectway
### Objectway International Customer Conference 2023: Ready, Steady, Go!
[](/objectway-international-customer-conference-2023-ready-steady-go/)
Market Trends
### Challenges & Trends in Wealth Management in 2023 and Beyond
[](/challenges-and-trends-in-wealth-management-in-2023-latest-from-ceo-pam-dinner/)
**Categories:** #CustomerConference, #Owin, About Objectway, Blog
---
### [about objectway OWIN23: Unleashing Sustainable Innovation, Collaboration, and Client-Centricity](https://objectway.com/unleashing-sustainable-innovation-collaboration-and-client-centricity-at-owin23/)
**Published:** May 8, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Technology is a key enabler and facilitator of many innovation areas and serving as their integrating ‘glue’ for broader transformation.
**Content:**
###### MAY 08, 2023
# OWIN23: Unleashing Sustainable Innovation, Collaboration, and Client-Centricity
[Roger Portnoy](https://www.linkedin.com/in/roger-portnoy-a16b67/)
Strategic Advisor
about objectway
[\#sustainableinnovation](/owintalk/sustainable-innovation/)\#Investmentsolution[\#OWIN23](/owintalk/owin23/)
Good day, now with the excellently organized client conference in Venice behind us, I wanted to take the opportunity, given my role as compere to share some learnings that emerged thanks to the contribution of both our guests, and client presenters.
Clearly clients operating within different financial organizations and sectors of the market will set out to innovate in different ways, but the event highlighted common themes that are worth individually reflecting on.
First, sustainability is a key attribute and objective for many different forms of innovation that clients undertake. This is obviously more frequently connected to investment solution design for all wealth management clientele, but it is also very much present when firms are deploying technology to support their proposition and seeking to deliver accessibility and personalization to a diversified customer base. Second, clients remain committed to continue to invest in innovation despite very significant challenges that are disrupting operational models, and undermining client investment confidence. Innovators focus on the client experience are enacting new engagement channels and strategies to underscore that they can support highly personal situations, while also maintaining alignment to preferences in a secure and resilient way.
The conference also highlighted how far organizations have already come in rethinking the way that they collaborate with 3rd parties and create valuable strategic partnerships . Whereas the last decade was very much built around many larger firms trying to leverage new technologies, and deployment models on their own, many more firm have come to realize that the return on investment and time from such an approach doesn’t make sense when there is a very vibrant, nimble, and commercially aligned ecosystem of fintech and wealthtech firms ready and waiting to augment and enhance a firm’s core competences. This has allowed financial organizations to externalize a lot more of their capabilities into new business opportunities, while also reducing the cost, complexity, and compliance overheads that drive new capital formation and allocation.
It was also great to see that innovation efforts that are client centric are also accelerating platform modernization efforts, and that we, Objectway, have a significant role to play in enabling this in a sustainable way. Many firms highlighted during the event that working with Objectway, a multi-faceted solution’s provider, have enabled them to incrementally manage a larger roadmap, generating a step-by-step return on investment that also delivers more confidence, and reliability to key stakeholders.
Thought our clients might not have shared this in an obvious sense, their approach, which was also highlighted through our various expert speakers, was very much aligned to our innovation matrix and Innovation Diamond framework, unveiled for the first time in Venice. In particular, the event highlighted that when initiatives holistically include the client experience, business operational model, and offering design, they will achieve key results in terms of satisfaction, profitability and scale that would not have been realized through a point solution approach.
I hope that this conclusion will continue to resonate, and that the additional objective in terms of sustainability will be recognized as a pervasive feature in innovation programs for many years.
**RELATED POST**
Market Trends
### Sustainable Innovation at Scale: The New Paradigm
[](/sustainable-innovation-at-scale-for-driving-business-growth/)
Podcast OWIN23
### Trends and key themes in sustainable innovation in wealth
[](/owin23-trends-and-key-themes-in-sustainable-innovation-in-wealth/)
Objectway
### Customer Conference 2023
[](https://www.objectway.com/owin/owin23/)
**Categories:** #Owin, About Objectway, Blog
---
### [about objectway ONE OBJECTWAY: the value of being ONE organisation](https://objectway.com/one-objectway-unlock-the-potential-of-growth-and-innovation-based-on-trust-connectivity-and-connections/)
**Published:** December 21, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** AI, as a foundational technology for the development and improvement of the next generation of business process management has arrived
**Content:**
###### December 21, 2023
# ONE OBJECTWAY: the value of being ONE organisation
[Maria Federica Marciano](https://www.linkedin.com/in/maria-federica-marciano-bb0b4215a/)
Objectway Marketing, Communication & Organisation Director
about objectway
[\#OneObjectway](/one-objectway/)
As the first-ever Objectway Group-wide Town Hall recently concluded, it marked an exceptional day for our organisation. Bringing together the entire Objectway family from offices across Europe provided a unique opportunity for all of us to gather and unite as One Objectway, reflect on our organisation and values, and reaffirm our commitment to the principles encapsulated by “One Objectway”.
Unlock the potential of innovation and growth for people
At Objectway, being ONE means more than a collective effort; it embodies a set of principles and practices that elevate us into a league of our own. The One Objectway Culture ensures that every member is not just a contributor but an integral part of a greater whole. It’s our guiding light, shaping our past and future.
To become a true ONE-firm entity, we’ve emphasised key values of commitment, collaboration, coordination, leadership, and innovation, grounding our value agenda in a bigger mission and purpose that has people at the center. We’ve articulated strategic initiatives that capture this value, with a focus on partnership and collective potential.
Unify fragmentation, overcome barriers, simplify complexity for true success
With a global presence across 15 countries, a client base exceeding 200, and a workforce of over 800 people representing 30 nationalities, Objectway’s true success lies in breaking down barriers. We believe in cross-business teams, harnessing firm shared platforms, and drawing upon the extensive support of our diverse expertise. This approach facilitates seamless collaboration, beyond internal boundaries, to create a client-centric approach, enabling teams to work in synergy and swiftly adapt and respond to the evolving needs of our clients.
Trust, connectivity and connections
At the core of our journey towards unity is a culture built on trust and connectivity. We’re revamping our strategic direction and organisation design to equip every member with the skills and tools they might need. We invest time in fostering interactions among teams, creating a deeper understanding of our organisation. We believe that genuine connections flourish when different people come together, leading to proactive connections and sharing.
United for Excellence
Today, we stand united, driven by a shared vision and a resolute commitment to delivering excellence to our clients. As we fully embrace the value of operating as One Objectway, our journey knows no bounds. Collaboration knows no limits, and innovation thrives. Together, we rise above challenges, leveraging our collective talents to shape a brighter future for our organisation and stakeholders.
In the vast landscape of global business, Objectway stands as a testament to the transformative power of unity, where every individual contributes to a collective brilliance – living the ethos of One Objectway.
**RELATED POST**
About Objectway
### From My To Our: Building One Meaningful Community Together
[](/from-my-to-our-building-one-meaningful-community-together/)
About Objectway
### Objectway to GROW: Goals, Reality and Opportunities that will chart the Way Forward
[](/objectway-to-grow-goals-reality-and-opportunities-that-will-chart-the-way-forward/)
About Objectway
### Discover our simbol
[](/this-is-our-symbol/)
**Categories:** #OneObjectway, About Objectway, Blog
---
### [About Objectway Devoxx Greece 2024: Insights, Inspiration, and Next Steps](https://objectway.com/devoxx-greece-2024-strategy-event-on-technological-landscape-evolutions/)
**Published:** April 30, 2024
**Author:** Leonardo Scarpa
**Excerpt:** Michele Danieli retraces main keypoints of talks attended during last Devoxx Greece 2024 Conference focusing on technological landscape evolutions.
**Content:**
###### April 30, 2024
# Devoxx Greece 2024: Insights, Inspiration, and Next Steps
[Michele Danieli](https://www.linkedin.com/company/objectway/mycompany/verification/)
Solution Architecture & Technology Director Advisory
about objectway
[\#Artificialintelligence](/artificial-intelligence/)[\#CeoTalk](/ceotalk/)[\#Cloud](/cloud-2/)[\#DigitalChange](/digitalchange/)[\#Workspace](/workspace/)
As I sit at Athens International Airport, waiting for my flight back to Milano after an enriching experience at Devoxx Greece 2024, I can’t help but reflecting on valuable insights shared at the conference.
Devoxx Greece, part of a network of community conferences, attracts developers with its rich content featuring both local and international speakers and a pleasant, relaxed atmosphere. With approximately 1400 attendees hailing from 25 countries, primarily across southern and eastern Europe, the conference pulsates with a dynamic mix of perspectives. The diversity both in the audience and speakers’ lineup was quite visible and signals a positive shift towards greater representation in the tech industry. I am happy to see this change happening and I am hopeful for a future marked by even stronger strides in representation and bridging the gender gap.
Throughout the conference, discussions revolved around software engineering, which is still considered an emerging practice: indeed, the technological landscape is constantly evolving, with shortening hype cycles, but we have seen frequent peaks and setbacks, and the value of collectively reflecting on the emergence of best practices with a critical, non-commercial view, is crucial. This is why independent conferences like Devoxx and more strategy-focused events are valuable food for thought.
Now, while I could never capture the full richness of the conference in this brief recap, I would like to share a glimpse of the talks I attended. My experience at Devoxx started with an insightful talk on the basics of building a Virtual Machine – truth be told, this is something most developers, including myself, will never need to do but it’s indeed always a good habit to look at what runs under the hood of the car you drive. It was a jump into notions acquired in the past, but with an engaging and entertaining presentation making the ramp accessible to the listener. I think I’ll check out the code repository and play with it as soon as possible!
Next up was a captivating talk on analysis techniques aimed at uncovering code smells evidencing poor practices around code maintenance, and some tips to fix them. It’s not a coincidence that a copy of the speaker’s book is on my desk at work. The speaker kicked off the discussion with a reference to the classic book The Mythical Man Month and a reminder that adding people late to a project behind schedule will delay it even more. As a delivery leader, it is a reminder of the importance of empowering small software teams and creating the right conditions around them. Interestingly, this was also the center of a conversation I had the evening before with a local friend who also manages software teams; no coincidence given the relevance of the topic for most of us.
Another keynote on Friday was about what makes a good architect, delivered by a friend and former manager of mine, Gregor. Some recommendations concerning peculiar aspects of the profession were shared, such as avoiding isolation between strategy and technology, looking at problems in 3D to highlight non-self-evident aspects, and bringing value in times of uncertainty with viable options. I place these same principles at the core of the architecture practice for my Team.
Other sessions I have attended covered a range of topics including the enablement of DevOps practices, choosing the right observability stack, sustainable IT operations – a subject I delved into last year at a conference in Pisa alongside a Computer Science PhD student with whom I share a mutual interest in the topic – and a discussion on ways to improve incident management practices. I look forward to listening to the other talks once the recordings will be available online.
But perhaps the highlight of the conference – and one of the reasons for me being in Athens – was the opportunity to share my own experiences alongside a trusted colleague and friend Jean Francois. Our talk “*Plenty of Platforms – Lessons Learned*” delved into a decade-long journey of building platforms together and in different organizations, ranging from internal developer platforms to cloud and data platforms. For each story we presented, we put emphasis on a specific aspect to share practical insights and the lessons we have learned along the way. The content links to our book *Platform Strategy – Innovation through Harmonization* authored with another friend Gregor. It was fun to distribute the first ever printed early edition copies to some randomly picked participants and sign them at the end of the day. Of course, building IT platforms has a lot to do with what I do at Objectway, and it is interesting for me to have had the opportunity to spend some time in the last year and half on this endeavor because it gave me the opportunity to reflect on platform from different viewpoints: strategically, technically and organizationally. Writing is indeed a powerful tool to cement ideas and try to remove ambiguity in our reasonings.
It is now time to head to the gate, the conference is behind, but my learning journey continues with my team at Objectway.
I am currently looking for mid-senior developers to grow our team in Milano, Bari and Rome. Technical excellence, team contribution, and customer centricity are the key pillars for our delivery organization journey. I look for candidates that can work in small self-organizing teams with a fast-paced delivery, use technology responsibly, have experience in refactoring and modernization, care about software quality, and explore solutions and technologies with a good degree of autonomy. If you are involved in software development, you are polyglot and fluently speak Java and Python, know SQL and non-SQL DBMS, have experience with Spring Framework and Apache Spark, normally run your workload in containers but know a JEE server if you see one, and you are curious about finance, you may like to reach out through our recruiting channels!
Meanwhile, discover job positions here:
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### What promises will AI deliver to Wealth Management in 2024?
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**Categories:** #ArtificialIntelligence, #CeoTalk, #Cloud, #DigitalChange, #Workspace, About Objectway, Blog
---
### [Let’s meet at AINIGMATHON, the AI-based challenge for IT Students12th June 2025](https://objectway.com/objectway-at-ainigmathon-the-ai-based-challenge-for-it-students/)
**Published:** June 5, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway sponsors the AI contest for students, recent graduates, and soon-to-be graduates in Computer Science, Physics, Mathematics, and Engineering.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Let’s meet at AINIGMATHON, the AI-based challenge for IT Students
12th June 2025 – Objectway sponsors the AI contest for students, recent graduates, and soon-to-be graduates in Computer Science, Physics, Mathematics, and Engineering.
## Agenda
Thursday, 12th June 2025
9:00 – 18:00
AINIGMATHON, the AI-based challenge for IT Students
Giorgio Malinverni, Data Scientist, Objectway
Elenia Grilli, HR Business Partner, Objectway
Are you a student/graduate or a student/graduate in Computer Science, Mathematics, Physics? Do you want to get involved and challenge your skills in Artificial Intelligence? This is the perfect match for you!
Mark this appointment in your agenda and get ready to prove yourself within **AINIGMATHON, the AI-based challenge organized by AI2B** in partnership with **Università degli Studi di Bari “Aldo Moro”**.
At the event, Objectway experts will be pleased to welcome you and share your growth goals. Technology and education are blended to create engaging learning experiences. Through AI, personalized learning paths can be tailored to individual learners, enhancing retention and comprehension.
Objectway is committed to offer specialized consultancy in Generative AI. Our work teams help businesses leverage cutting-edge AI technologies to create real and long-term values through end-to-end solutions, scalable architecture and deep industry expertise.
Don’t miss this opportunity: **[subscribe now](https://ai2b.games/)** and submit your winning solution to the contest!
## Event Information
Thursday, 12th June, AI2B (Università degli Studi di Bari “Aldo Moro”), Dipartimento di Informatica – Aule Hume e Godel (2nd Floor), Via Edoardo Orabona 4 – 70125 Bari
We’re looking forward to meeting you in Bari!
## Speakers
Giorgio Malinverni
Giorgio is a data scientist on Objectway’s Innovation Team in Milan, where he explores how AI can create real business value and leads AI initiatives from concept to production. With rich international experience spanning AI, Classics, and Linguistics across Italy, the Netherlands, Belgium, and London, Giorgio brings a distinctive interdisciplinary perspective to tech innovation, bridging linguistic insight, business optimization, and cutting-edge technology.
Elenia Grilli
HR Business Partner with 8 years experience in financial services companies, supporting teams and leadership across core HR activities and processes, with a focus on skills development and fostering the integration between people and innovation. Elenia promotes an inclusive, forward-thinking workplace culture. Actively involved in initiatives that connect the HR and tech worlds, Elenia is committed to building more agile and aware organizations, ready to face the challenges of digital transformation.
## Related
[All](#)[\#financial-planning](#)[\#financialservices](#)[\#oneobjectway](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
Yes, I want to receive updates about Objectway events and products. I have read and agree with the [Privacy Policy & Terms of Use]()
Your brand company
**Categories:** HR Events
**Tags:** #datascience, #economics, #financialservices, #portfoliomanagement, #riskmanagement
---
### [Objectway attends the Systems in The City FinTech Awards 2025 in London26th June 2025](https://objectway.com/objectway-attends-the-systems-in-the-city-fintech-awards-2025-in-london/)
**Published:** June 23, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Have your say in determining the winner of the Systems in the City FinTech Awards 2025! Endorse Objectway winning in the designated categories!
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway attends the Systems in The City FinTech Awards 2025 in London
26th June 2025 – The SITCA 2025 celebrates its 25th anniversary. Cast your vote for excellence: endorse Objectway winning in the designted categories. Voting can be made online until Friday, June 6th.
## Agenda
26th June 2025
Systems in The City FinTech Awards 2025
Objectway will be proud to attend the forthcoming edition of **Systems in The City FinTech Awards 2025** organised by Goodacre.
This year, our company has been nomintaed in the following categories for the Systems in the City Fintech Awards 2025:
- CASS
- Investment Management
- Settlement
- Wealth Management
- Post Trade Functionality
To vote Objectway, complete the required fields on the voting page, in particular:
- Which Company are you providing a reference? **Write “Objectway”**
- What data, service or system is the main point of your reference? **Write the name of one of the categories listed above**
- Assign us a rating in each of the aspects listed where applicable
[VOTE FOR OBJECTWAY](https://goodacreuk.com/sitc/systems-in-the-city-company-references)
Voting can be made online until **Friday, June 6th**. Have your say in determining the winner of SITCA 2025 and encourage your peers to vote for Objectway as well!
**[Follow this link to finalise your voting](https://goodacreuk.com/sitc/systems-in-the-city-company-references)** and get ready to discover how Objectway Solutions the way you manage and grow wealth, leveraging cutting-edge digital solutions designed to maximise your clients’ wealth and operational efficiency.
## Event Information
Thursday, 26th June 2025, Presentation Lunch at Merchant Taylors’ Hall, 30 Threadneedle St, London
To find out more, **[click here!](https://www.goodacreuk.com/events/forthcoming-events/system-in-the-city-fintech-award-06-26)**
## Related
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4 August 2026
[Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen](https://objectway.com/skalierungslucke-warum-ki-investitionen-an-der-kundenschnittstelle-verpuffen/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen
4 August 2026
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8 July 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
Yes, I want to receive updates about Objectway events and products. I have read and agree with the [Privacy Policy & Terms of Use]()
Your brand company
**Categories:** Event
**Tags:** #digitaltransformation, #investmentmanagers, #oneobjectway, #wealth-management
---
### [Was Neobanken besser machen als 90er Online-Banken](https://objectway.com/was-neobanken-besser-machen-als-90er-online-banken/)
**Published:** May 29, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Neobanken und Broker wachsen unaufhaltsam, während die erste Generation der Online-Banken oft mit stagnierenden Kundenzahlen kämpft.
**Content:**
[](/news/)
View all News
# Was Neobanken besser machen als 90er Online-Banken
29\. Mai 2025 – Neobanken und Broker wachsen unaufhaltsam, während die erste Generation der Online-Banken oft mit stagnierenden Kundenzahlen kämpft. Dabei verfolgten beide Geschäftsmodelle denselben Ansatz: Vermögensverwaltung für breite Massen zugänglich zu machen – jederzeit und von überall. Doch Neobanken haben aus denselben Zutaten ein neues Rezept kreiert: Sie setzen für den Aufbau von Vertrauen nicht länger auf Marmorhallen, sondern auf transparente Angebote, begreifen Compliance als Wettbewerbsvorteil und testen neue Konzepte direkt an ihren Zielgruppen.
Die heutigen Neobanken und Neobroker haben in wenigen Jahren etwas geschafft, woran viele Online-Banken der 90er Jahre gescheitert sind: Sie skalieren schneller, erreichen Anleger weltweit – und gewinnen das Vertrauen neuer Zielgruppen, die sich früher nie mit Finanzthemen beschäftigt hätten. Dabei ist die Grundidee beider Finanzdienstleister-Generationen durchaus ähnlich. Sowohl die Digitalbank-Pioniere der 90er als auch die Disruptoren von heute wollten Finanzdienstleistungen demokratisieren – also zugänglicher, günstiger und bequemer machen. Doch der Erfolg fiel sehr unterschiedlich aus. Die Ausgangslage für die ersten Online-Banken war vielversprechend: Sie hatten das Vertrauen breiter Kundenstämme, etablierte Marken und oft beeindruckende Räumlichkeiten auf ihrer Seite. Doch nur wenigen gelang es, diese Vorteile in langfristiges Wachstum umzuwandeln.
Im Gegensatz dazu bauen die heutigen Neobanken in Rekordzeit Millionen-Kundennetze auf. Diese Diskrepanz lässt sich auf vier wesentliche Säulen zurückführen: Die heutigen Player haben es geschafft, Technologie für eine breite Masse zugänglich zu machen und dennoch zu personalisieren – weit über eine einfache App hinaus. Sie sehen Compliance nicht als Hürde, sondern nutzen sie aktiv. Zudem haben sie nicht nur ihre Server für Wachstum vorbereitet – von Onboarding über Kundensupport bis zur Betrugserkennung ist alles skalierbar. Und sie haben Vertrauen ohne imposante Marmorhallen oder große Markennamen aufgebaut: durch transparente, verständliche Produkte und Services, die sie schrittweise ausgeweitet haben.
Breite Kundenbasis – Vorteil oder Wachstumsbremse?
Viele Banken, die sich in den 1990er Jahren an digitale Dienstleistungen wagten, hatten eines gemeinsam: einen bestehenden breiten Kundenstamm. Anfangs schien dies ein strategischer Vorteil zu sein – doch für viele entpuppte es sich als Innovationsbremse. Etablierte Banken mussten jeden Schritt sorgfältig abwägen: Wird das unser traditionelles Geschäft kannibalisieren? Wie werden unsere bestehenden Kunden reagieren? Passt das zu unserer Marke? Diese Vorsicht hat oft dazu geführt, dass mutige, disruptive Schritte ausgebremst oder sogar ganz blockiert wurden. Neobanken hingegen starteten bei null. Sie haben sich um die Customer Journey und die gewünschten Ergebnisse herum organisiert. Ihr Ansatz konzentriert sich nicht auf Produkte, sondern darauf, die Bedürfnisse ihrer Kunden zu erfüllen – etwa Vermögen aufzubauen, Immobilien zu erwerben oder für den Ruhestand zu planen. Die ersten tausend Kunden eines Neobrokers waren reiner Zugewinn. Sie konnten experimentieren, scheitern, sich verbessern – ohne ihren Ruf bei einer konservativen Kundengruppe zu riskieren. Das führte zu einer völlig anderen Innovationskultur. Viele der getroffenen Entscheidungen trugen auch dazu bei, Kosten zu senken und die Zugänglichkeit zu erhöhen: den Verzicht auf Filialnetze, die Automatisierung von Prozessen und die Einführung von Freemium-Modellen mit Premium-Funktionen – von ETF-Investments bis zu Krypto-Optionen.
Neu denken statt verbessern: Wieso Disruption eine Mentalitätsfrage ist
Vergleicht man traditionelle Online-Banken mit Disruptoren, ist der Unterschied in der Denkweise frappierend. Etablierte Akteure folgen oft einer Mentalität des ‚Schützens und Erweiterns‘ – darauf fokussiert, Gewinnspannen, Legacy Modelle und Marktterritorien zu verteidigen. Innovation wird tendenziell schrittweise eingeführt: Wie können wir das, was wir bereits tun, noch etwas verbessern? Neobanken und Neobroker hingegen arbeiten nach dem Prinzip ‚Verändern und Weiterentwickeln‘. Sie stellen die Grundlagen in Frage: Brauchen wir überhaupt menschliche Berater für die Vermögensallokation? Warum müssen die Mindestinvestitionen so hoch sein? Warum kann Finanzplanung nicht so intuitiv und anregend sein wie Spotify oder Instagram? Sie haben auch ein anderes Kernprinzip der Branche neu definiert: Die traditionelle Vermögensverwaltung basierte auf der Prämisse der Exklusivität. Der persönliche, maßgeschneiderte Service war Teil des Wertversprechens. Die eigentliche Herausforderung bei der Demokratisierung des Wealth Managements besteht nun darin, das gleiche Maß an Personalisierung in großem Umfang zu bieten. Die Plattformen, die in diesem Rennen die Nase vorn haben, sind nicht nur mobil, sondern auch daten- und API-gesteuert und nahtlos in das breitere Finanz-Ökosystem integriert. Sie passen sich schnell an die sich verändernden Nutzerbedürfnisse an und nutzen verhaltenswissenschaftliche Erkenntnisse, um Kunden durch komplexe Entscheidungen zu führen – klar, einfach und ohne sie zu überfordern.
Haben traditionelle Banken eine „Nein-Abteilung“? Compliance als Wachstumsmotor
Viele neue Banken nutzen diese Challenger-Mentalität, um die regulatorischen Anforderungen strategisch zu ihren Gunsten zu nutzen. Während traditionelle Institute die Einhaltung von Vorschriften oft mit Vorsicht oder sogar Zurückhaltung behandeln, sehen Fintechs darin eine Chance. Diese Behutsamkeit rührt nicht von Missachtung her, im Gegenteil: Traditionelle Banken nehmen Compliance sehr ernst und sind oft führend bei der Einhaltung strenger Vorschriften. Aber ihr Ansatz ist eher defensiv und von Risikoaversion geprägt. Neobanken und Neobroker gehen über die bloße Einhaltung der Vorschriften hinaus – sie betten sie in ihr Wertversprechen ein. In großen Banken fungieren die Compliance-Abteilungen oft als Torwächter, deren Standardantwort lieber einmal mehr ‚Nein‘ lautet, um Risiken zu vermeiden. Bei Neobanken sieht das anders aus. Für sie ist Compliance oft eine Frage des Designs: Wie können wir die regulatorischen Anforderungen erfüllen und gleichzeitig ein reibungsloses Kundenerlebnis bieten? Diese Unternehmen integrieren Prozesse wie Know-Your-Customer und Anti-Money-Laundering nahtlos in moderne Benutzeroberflächen und nutzen Tools wie Echtzeitwarnungen, um das Vertrauensverhältnis aktiv zu stärken. Die neue Generation von Finanzdienstleistern versteht, dass Vertrauen nicht durch Tradition, sondern durch transparente, verständliche Schutzmaßnahmen entsteht.
Der Vertrauensfaktor – Wie Neobroker einen Nachteil zum eigenen Vorteil nutzen
Vertrauen ist die wichtigste Währung im Bankgeschäft – vor allem, wenn es um Milliarden von Kundengeldern und sensible Personendaten geht. Auf dem Papier waren die Banken der 90er dafür gut aufgestellt: mit Tradition, einen respektablen Ruf und breiten Filialnetzen. Doch gerade diese Stärken wurden in der Umstellung auf mobile Banking-Modelle zur Herausforderung. Der Übergang von Marmorhallen zu Apps war schwierig – viele Kunden waren skeptisch und stark an die analoge Welt gebunden. Neobanken hingegen haben gelernt, Vertrauen digital aufzubauen – von der Verwendung einfacher Sprache bis hin zur vollständigen Transparenz darüber, wie sie Geld verdienen. Sie setzen auf intuitive, lehrreiche Nutzererfahrungen und ersetzen damit die alte Abhängigkeit von Papierkram und Prestige. Die heutigen Neo-Akteure beginnen mit risikoarmen, leicht verständlichen Produkten und bauen Glaubwürdigkeit schrittweise auf. Bildung spielt dabei ebenfalls eine zentrale Rolle: Ihre Plattformen führen nicht nur aus – sie erklären und leiten an, was das Verständnis und die Loyalität der Anleger vertieft.
Das bedeutet nicht, dass die frühen Online-Banken dem Untergang geweiht sind oder ganz verschwinden werden. Aber sie haben bereits seit einiger Zeit zu kämpfen, und sie beginnen, den Mehrwert eines mutigeren Digitalisierungsansatzes zu erkennen – etwas, das ihre Wettbewerber bereits umsetzen. Tatsächlich arbeiten heute viele traditionelle Banken aktiv mit Fintechs zusammen, um moderne Finanzlösungen zu entwickeln, die sich in ihr bestehendes Angebot integrieren lassen. Es ist eine Win-Win-Win-Situation – nicht nur für beide Arten von Finanzdienstleistern, sondern auch für ihre Kunden.
Neobanken und Broker wachsen unaufhaltsam, während die erste Generation der Online-Banken oft mit stagnierenden Kundenzahlen kämpft.
[](https://www.linkedin.com/in/karl-im-brahm/)### Karl im Brahm
CEO DACH Region, Objectway
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
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### [Il wealthtech per la nuova generazione di banche e broker](https://objectway.com/il-wealthtech-per-la-nuova-generazione-di-banche-e-broker/)
**Published:** June 3, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** La nuova strategia di neo banche e neo broker punta a creare ecosistemi digitali che uniscono banking, trading e servizi a valore aggiunto.
**Content:**
[](/news/)
View all News
# Il wealthtech per la nuova generazione di banche e broker
3 Giugno 2025 – Intercettare una clientela giovane, digitale e attenta ai costi, spesso sottoservita dagli attori tradizionali, con strumenti semplici e accessibili per il risparmio gestito, l’investimento diretto in ETF e azioni frazionate e, in alcuni casi, in crypto asset. È questa la strategia di neo banche e neo broker, anche sul mercato italiano, che non puntano unicamente alla democratizzazione dell’accesso agli investimenti, ma a creare ecosistemi digitali che uniscono banking, trading e servizi a valore aggiunto.
L’innovazione tecnologica, leva principale
Per accompagnare i nuovi player nella crescita, servono piattaforme modulari e cloud-native, capaci di accelerare l’onboarding dei clienti e l’ampliamento dell’offerta.
«L’innovazione tecnologica è la leva principale: consente di operare senza l’eredità di sistemi legacy, riducendo tempi e costi di sviluppo – sottolinea Geroldi. API aperte e architetture flessibili facilitano l’integrazione di nuovi servizi, rendendo i modelli di servizio agili e personalizzabili». Inoltre, i nuovi player adottano un approccio centrato sul cliente, che privilegia il “client journey” rispetto alla logica di prodotto.
Puntando su esperienze digitali integrate e gestendo gli aspetti di compliance come opportunità per migliorare l’usabilità. «Investono in tecnologie che analizzano il comportamento degli utenti, abilitando offerte personalizzate e cross-selling evoluto – illustra Geroldi. Qui, l’intelligenza artificiale consente di offrire consulenza anche a segmenti non tradizionalmente serviti, mentre le architetture modulari “as-a-service” permettono di scalare rapidamente e di integrare nuovi servizi, inclusi gli asset digitali, ampliando la diversificazione».
Soluzione fiscale paneuropea
Tra le principali sfide, soprattutto in ottica europea, spicca la gestione della fiscalità, determinante per l’espansione cross-border.
«Il quadro normativo varia da Paese a Paese e rende complessa la standardizzazione dei processi, ostacolando la scalabilità – spiega Geroldi. Per rispondere a questa esigenza, abbiamo sviluppato una soluzione fiscale paneuropea, in grado di automatizzare il calcolo delle imposte e la reportistica, garantendo piena conformità e facile integrazione nei sistemi bancari».
Una soluzione già integrata da una delle **maggiori piattaforme digitali europee d’investimento** in Germania, Italia e a breve in Austria.
«Questa realtà gestisce svariati milioni di transazioni mensili e l’architettura SaaS adottata ha consentito un’implementazione agile, senza interrompere l’operatività e gestendo grandi volumi grazie a un approccio iterativo – precisa Geroldi.
Naturalmente, la nostra esperienza nell’ambito normativo internazionale è stata cruciale per supportare il cliente nella sua espansione paneuropea e questo progetto dimostra come la scalabilità richieda non solo tecnologia avanzata, ma anche profonda conoscenza regolamentare, capacità di integrazione e un approccio progettuale di lungo termine. È in questa direzione che stiamo ulteriormente sviluppando soluzioni pensate per supportare una nuova generazione di operatori finanziari, agili, digitali e sempre più internazionali».
Negli ultimi anni si sta assistendo a un’evoluzione strategica significativa: molti di questi nuovi player stanno ampliando l’offerta. È una tendenza che sta ridefinendo i confini del settore, portando servizi tradizionalmente riservati a una clientela con patrimoni elevati anche a clienti ad alto potenziale in cerca di alternative digitali più flessibili, trasparenti e accessibili.
[](https://www.linkedin.com/in/gianbattista-geroldi-070a322a/)### Gianbattista Geroldi
CEO Italia, Objectway
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
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### [Warum die frühen Online-Banken hinter den heutigen Neobanken & Neo-Brokern zurückbleiben](https://objectway.com/warum-die-fruhen-online-banken-hinter-den-heutigen-neobanken-neo-brokern-zuruckbleiben/)
**Published:** June 12, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Neobanken hingegen bauen von Grund auf neu und nutzen Cloud Computing, KI-gesteuertes Risikomanagement und Open-Banking-Frameworks.
**Content:**
[](/news/)
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# Warum die frühen Online-Banken hinter den heutigen Neobanken & Neo-Brokern zurückbleiben
12\. Juni 2025 – Während sich viele traditionelle Online-Banken noch mit veralteten Kernsystemen abmühen, arbeiten Neo-Broker längst mit Cloud-Technologie, offenen Schnittstellen und automatisierten Prozessen. Sie handeln, während andere noch diskutieren. Warum viele klassische Banken immer noch von “Digitaler Transformation” sprechen, obwohl sie längst den Anschluss verpasst haben.Ein kritischer Kommentar von Karl im Brahm, CEO-DACH Objectway zum Status Quo.
Die Finanzbranche hat eine deutliche Kluft zwischen der ersten Welle von Online-Banken in den 1990er Jahren und den heutigen Neo-Banken und Neo-Brokern erlebt.
Während frühe Online-Banken traditionelle Dienstleistungen erfolgreich digitalisiert haben, haben sie es weitgehend versäumt, sich an die technologischen und Geschäftsmodellinnovationen anzupassen, die moderne Finanzdienstleistungen definieren.
Die Gründe dafür liegen auf der Hand: veraltete Infrastruktur, starre Geschäftsmodelle und das Versäumnis, sich ändernde Verbrauchererwartungen zu erfüllen.
“Ja, die veraltete Infrastruktur ist die Bürde der frühen Onlinebanken.”
Online-Banken der ersten Generation wurden auf dem Fundament traditioneller Bankinstitute aufgebaut, indem sie einfach bestehende Dienstleistungen auf digitale Plattformen ausdehnten. Sie blieben jedoch durch veraltete Kernbanksysteme eingeschränkt, die zum damaligen Zeitpunkt nicht für Echtzeit- und API-gesteuerte Finanzökosysteme ausgelegt waren. Diese Legacy-Infrastruktur stellt weiterhin ein großes Hindernis dar, das die Integration neuer Technologien wie Cloud Computing, KI und Open Banking kostspielig und komplex macht.
Ohne die Last der Legacy-Infrastruktur können Neo-Player schnell iterieren, neue Funktionen einführen und sich mit beispielloser Geschwindigkeit an die Marktanforderungen anpassen.
Die Ausgangssituationen sind verschieden. Während zu Beginn Online-Banking mit großer Vorsicht begegnet wurde, ist in der Zwischenzeit das Vertrauen in digitale Transaktionen und Lösungen gestiegen – ein Wandel, den sich die Neobroker zu eigen gemacht haben.
In den späten 1990er Jahren war die Skepsis gegenüber Online-Banking groß, und physische Filialen blieben der bevorzugte Zugangspunkt. Digitale Transaktionen waren langsam, Mobile Banking war nicht existent und das Vertrauen in reine Online-Finanzinstitute war begrenzt.
Die heutigen Verbraucher verlangen jedoch einen nahtlosen 24/7-Zugang zu Finanzdienstleistungen mit einem Mobile-First-Erlebnis. Der Aufstieg von digitalen Zahlungen, kontaktlosen Transaktionen und selbstgesteuerten Investitionen hat den Erfolg von Neo-Banken und Neo-Brokern beflügelt. Ihre intuitiven, App-basierten Plattformen sind perfekt auf die Erwartungen einer Generation abgestimmt, die eine finanzielle Echtzeitkontrolle ‚at the tip of their fingers‘ verlangt.
Filialnetze sind teuer. Ob sie sich auszahlen? Fraglich.
Online-Banken der ersten Generation digitalisierten oft traditionelle Bankgeschäftsmodelle, ohne ihre Kostenstrukturen oder Einnahmequellen zu überdenken. Sie behielten teure Betriebsmodelle bei, einschließlich Legacy-Software und physische Supportstrukturen, was ihre Fähigkeit einschränkte, im Wettbewerb hinsichtlich Kosten und Skalierbarkeit zu bestehen.
“Im Gegensatz zu den Online-Banken der ersten Generation eliminieren Neo-Banken kostspielige Filialnetze, automatisieren Prozesse und setzen auf schlanke, Freemium-basierte Modelle”.
Sie monetarisieren sich durch Premium-Dienstleistungen wie Krypto-Trading, ETF-Investitionen und personalisierte Vermögensverwaltungslösungen, was sie nicht nur wettbewerbsfähiger, sondern auch langfristig finanziell nachhaltiger macht. Traditionelle Banken, die auf umfassende Finanzpakete setzen, sind hier oftmals im Nachteil. Um effektiv zu konkurrieren, sollten Banken in Erwägung ziehen, ihr Angebot zu diversifizieren und flexiblere Preisstrategien zu entwickeln. Dazu könnten sie zum Beispiel Dienstleistungen aufsplitten, um spezifische Kundenbedürfnisse. Dieser Ansatz könnte beinhalten, dass Dienstleistungen getrennt angeboten werden, um besser auf die Bedürfnisse bestimmter Kunden oder Gruppen einzugehen. Dadurch wird die Attraktivität auf einem Markt gesteigert, der immer mehr personalisierte Lösungen bevorzugt.
Die frühen Online-Banken waren schwerfällig – die Neobanken teilen ihre Expertise hingegen transparent mit den Investoren und machen daraus einen ganz eigenen, neuen Service: Die Finanzbildung.
Während die frühen Online-Banken funktional, aber gewissermaßen ‚klobig‘, also schwerfällig waren, beherrschen die heutigen Neo-Banken und -Broker die Kunst der Kundenansprache. Ihre Apps sind mit einer nahtlosen Navigation, Gaming-Funktionen, Echtzeiteinblicken und Community-basierten Lösungen ausgestattet. Ziel: Einerseits, den Anlegern die Möglichkeit bieten, ihr Finanzwissen aufzubessern, anderseseits zu häufiger Interaktion anregen.
“Diese Verlagerung vom schlichten Transaktionsbanking hin zu einem ansprechenden Finanzerlebnis hat eine wichtige Rolle bei ihrer Akzeptanz und ihrem Erfolg gespielt.”
Stattdessen kämpfen traditionelle Banken oft mit umständlichen und veralteten Benutzeroberflächen und digitalen Kanälen, was zu Unzufriedenheit und Abwanderung der Kunden führt. Es führt kein Weg dran vorbei: Traditionelle Banken müssen in die Überarbeitung ihrer digitalen Erlebniskanäle investieren, um den modernen Erwartungen gerecht zu werden.
Regulatorik als Hindernis? Von wegen! Neotrader nutzen Compliance als Rückenwind.
In den 90er Jahren waren die regulatorischen Rahmenbedingungen weitgehend auf traditionelle Finanzinstitute zugeschnitten, was die Innovation im digitalen Bankwesen einschränkte. Heute haben regulatorische Fortschritte wie PSD2, Open Banking und Embedded Finance ein Ökosystem geschaffen, in dem Fintech-Firmen schneller wachsen können. Neo-Banken nutzen diese Rahmenbedingungen, um umfassendere, stärker personalisierte Finanzlösungen anzubieten – einschließlich alternativer Vermögenswerte wie Kryptowährungen und Bruchteile von Aktien, wodurch sie ihren Wettbewerbsvorteil weiter ausbauen.
Traditionelle Banken brauchen Unterstützung beim Wandel
Für traditionelle Banken gilt: für die digitale Transformation gibt es keine Einheitslösung. Die richtige Strategie hängt von der Fähigkeit einer Bank ab, ihre alten Systeme zu modernisieren und neue Chancen zu nutzen. Die Wahl des richtigen Partners für die digitale Transformation ist entscheidend. Ein guter Digitalisierungspartner sollte der Bank helfen, nicht mehr nur einzelne Produkte anzubieten, sondern Kunden in allen Lebensphasen zu begleiten – zum Beispiel beim Vermögensaufbau und -abbau. Dabei sollten getrennte Bereiche besser zusammenarbeiten und alle technischen Lösungen auf einer gemeinsamen Plattform gebündelt werden.
Ebenso wichtig ist die Innovation von Anlagevorschlägen.
Der richtige Partner kann den Zugang zu „digitalen Vermögensstrukturen“ und alternativen Anlageklassen ermöglichen, neue Liquiditätsquellen erschließen und nachhaltige Investitionen unterstützen. Es ist auch wichtig, neue Ideen für Geldanlagen zu entwickeln.
Ein guter Partner kann helfen, digitale Anlagemöglichkeiten und alternative Investitionen zugänglich zu machen. Außerdem kann er neue Geldquellen finden und nachhaltige –und umweltfreundliche – Investitionen fördern. Darüber hinaus sollte ein Transformationspartner die Cloud-Einführung und die Aufrüstung der digitalen Infrastruktur erleichtern, damit die Banken vom generationenübergreifenden Vermögenstransfer und einer auf Langlebigkeit ausgerichteten Finanzplanung profitieren können.
Neo-Banken hingegen bauen von Grund auf neu und nutzen Cloud Computing, KI-gesteuertes Risikomanagement und Open-Banking-Frameworks, um agile, kosteneffiziente und kundenfreundliche Plattformen zu schaffen.
[](https://www.linkedin.com/in/karl-im-brahm/)### Karl im Brahm
CEO DACH Region, Objectway
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
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### [Neobanken und Neobroker: Warum sie dort erfolgreich sind, wo viele Online-Banken der 1990er Jahre scheiterten](https://objectway.com/neobanken-und-neobroker-warum-sie-dort-erfolgreich-sind-wo-viele-online-banken-der-1990er-jahre-scheiterten/)
**Published:** June 16, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Neobanken hingegen haben gelernt, Vertrauen digital aufzubauen – von der Verwendung einfacher Sprache bis hin zur vollständigen Transparenz darüber, wie sie Geld verdienen.
**Content:**
[](/news/)
View all News
# Neobanken und Neobroker: Warum sie dort erfolgreich sind, wo viele Online-Banken der 1990er Jahre scheiterten
16\. Juni 2025 – Während Online-Banken der ersten Generation seit Jahrzehnten stagnieren, gewinnen Neobroker in wenigen Jahren Millionen Nutzer – durch einen fundamentalen Paradigmenwechsel.
Die heutigen Neobanken und Neobroker haben in nur wenigen Jahren erreicht, woran viele Online-Banken der 90er Jahre scheiterten. Sie wachsen schneller, sprechen weltweit Anleger an und gewinnen das Vertrauen neuer Zielgruppen, die sich zuvor kaum mit Finanzthemen beschäftigt hatten.
Die Grundidee beider Generationen von Finanzdienstleistern ist dabei durchaus vergleichbar. Sowohl die Digitalbank-Pioniere der 90er als auch die heutigen Disruptoren wollten Finanzdienstleistungen zugänglicher, günstiger und bequemer machen. Die Ausgangslage der ersten Online-Banken war vielversprechend. Sie verfügten über das Vertrauen großer Kundengruppen, über etablierte Marken und oft über beeindruckende Standorte. Marmorhallen und festliche Säle prägten lange Zeit die Kundentreffen. Dennoch gelang es nur wenigen, diese Vorteile in nachhaltiges Wachstum umzuwandeln.
Im Gegensatz dazu bauen Neobanken heute in Rekordzeit Netzwerke mit Millionen von Kunden auf. Diese Entwicklung ist kein Glücksfall: sie lässt sich auf vier Faktoren zurückführen:
- **Erstens** machen moderne Anbieter Technologie nicht nur massentauglich, sondern auch individuell nutzbar – und das weit über eine einfache App hinaus.
- **Zweitens** betrachten sie Compliance nicht als Hindernis, sondern als strategischen Vorteil.
- **Drittens** sind ihre Strukturen von Anfang an auf Skalierbarkeit ausgelegt, vom Onboarding bis zur Betrugserkennung.
- Und **viertens** gelingt es ihnen, Vertrauen aufzubauen, ohne auf prunkvolle Filialen oder große Markennamen angewiesen zu sein. Stattdessen setzen sie auf transparente, verständliche Produkte und Dienstleistungen, die sie Schritt für Schritt weiterentwickeln.
Warum eine breite Kundenbasis kein Vorteil ist
Viele Banken, die in den 1990er Jahren den Schritt in die digitale Welt wagten, verfügten über einen breiten Kundenstamm. Was zunächst wie ein strategischer Vorteil wirkte, erwies sich in der Praxis für viele als Hemmschuh für Innovationen.
Der Grund? Etablierte Institute mussten jede Veränderung sorgfältig abwägen. Würde sie das bestehende Geschäftsmodell gefährden? Wie würden langjährige Kunden reagieren? Passt das überhaupt zum Markenbild? Diese Zurückhaltung führte oft dazu, dass mutige und zukunftsweisende Ideen verzögert oder ganz verworfen wurden.
Neobanken hingegen begannen bei null. Sie richteten ihre Prozesse konsequent an der Kundenreise und den gewünschten Ergebnissen aus. Im Fokus standen nicht einzelne Produkte, sondern das Erfüllen konkreter Bedürfnisse, etwa beim Vermögensaufbau, dem Immobilienkauf oder der Ruhestandsplanung. Die ersten tausend Nutzer eines Neobrokers bedeuteten für sie keinen Risikofaktor, sondern eine Chance. Sie konnten testen, Fehler machen und daraus lernen – ohne ihr Image bei einer etablierten Klientel aufs Spiel zu setzen.
So entstand eine ganz andere Innovationskultur. Viele Entscheidungen, die dabei getroffen wurden, führten nicht nur zu besseren Produkten, sondern auch zu niedrigeren Kosten und einer höheren Zugänglichkeit. So wurden beispielsweise Filialnetze aufgegeben, Prozesse automatisiert und Freemium-Modelle mit optionalen Premium-Diensten eingeführt – etwa für ETF-Anlagen oder Kryptowährungen.
Paradigmenwechsel: Von „Verbessern“ zu „Brauchen wir das überhaupt“?
Der Unterschied zwischen traditionellen Online-Banken und den heutigen Disruptoren liegt vor allem in der Denkweise. Viele etablierte Anbieter handeln nach dem Prinzip des Bewahrens und Erweiterns. Sie konzentrieren sich darauf, bestehende Geschäftsmodelle, Margen und Marktanteile abzusichern. Innovation bedeutet für sie oft, Bestehendes schrittweise zu optimieren. Die Frage lautet: Wie lässt sich das, was wir bereits tun, ein wenig verbessern?
Neobanken und Neobroker ticken anders. Ihr Ansatz ist von Veränderung und Weiterentwicklung geprägt. Sie hinterfragen grundlegende Annahmen. Muss es wirklich menschliche Berater für die Vermögensverteilung geben? Warum sind Mindestbeträge für Investitionen so hoch? Wieso kann Finanzplanung nicht genauso intuitiv und inspirierend sein wie die Nutzung von Spotify oder Instagram?
Auch das traditionelle Prinzip der Exklusivität in der Vermögensverwaltung stellen sie infrage. Früher war ein persönlicher, maßgeschneiderter Service Teil des Leistungsversprechens. Heute besteht die Herausforderung darin, dieses Maß an Individualisierung auch im großen Stil zugänglich zu machen. Die Plattformen, die hier vorne liegen, sind nicht nur mobil nutzbar, sondern arbeiten datenbasiert, nutzen APIs und sind in das umfassendere Finanz-Ökosystem eingebettet. Sie passen sich flexibel an sich wandelnde Nutzerbedürfnisse an und greifen auf Erkenntnisse aus der Verhaltensforschung zurück, um ihre Kunden durch komplexe Entscheidungen zu begleiten – verständlich, übersichtlich und ohne Überforderung.
Compliance als Chance statt Risiko
Viele neue Banken nutzen diese Challenger-Mentalität, um die regulatorischen Anforderungen strategisch zu ihren Gunsten zu nutzen. Während traditionelle Institute die Einhaltung von Vorschriften oft mit Vorsicht oder sogar Zurückhaltung behandeln, sehen Fintechs darin eine Chance.
Dabei ist wichtig zu betonen, dass die Behutsamkeit der etablierten Player nicht von Missachtung herrührt, im Gegenteil: Traditionelle Banken nehmen Compliance sehr ernst und sind oft führend bei der Einhaltung strenger Vorschriften. Aber ihr Ansatz ist eher defensiv und von Risikoaversion geprägt. Sie haben oft Compliance-Abteilungen, die als Torwächter fungieren, deren Standardantwort lieber einmal mehr ‚Nein‘ lautet.
Neobanken und Neobroker gehen über die bloße Einhaltung der Vorschriften hinaus – sie betten sie in ihr Wertversprechen ein. Für sie ist Compliance oft eine Frage des Designs: Wie können wir die regulatorischen Anforderungen erfüllen und gleichzeitig ein reibungsloses Kundenerlebnis bieten? Diese Unternehmen integrieren Prozesse wie Know-Your-Customer und Anti-Money-Laundering nahtlos in moderne Benutzeroberflächen und nutzen Tools wie Echtzeitwarnungen, um das Vertrauensverhältnis aktiv zu stärken.
Die neue Generation von Finanzdienstleistern hat also verstanden, dass Vertrauen nicht einzig und allein durch Tradition geschaffen werden kann, sondern durch transparente, verständliche Schutzmaßnahmen entsteht.
Wie Neobanken Vertrauen ohne Markenbekanntheit schaffen
Vertrauen ist die wichtigste Währung im Bankgeschäft – vor allem, wenn es um Milliarden von Kundengeldern und sensible Personendaten geht. Auf dem Papier waren die Banken der 90er dafür gut aufgestellt: mit Tradition, einen respektablen Ruf und breiten Filialnetzen.
Doch gerade diese Stärken wurden in der Umstellung auf mobile Banking-Modelle zur Herausforderung. Der Übergang von Marmorhallen zu Apps war schwierig – viele Kunden waren skeptisch und stark an die analoge Welt gebunden.
Neobanken hingegen haben gelernt, Vertrauen digital aufzubauen – von der Verwendung einfacher Sprache bis hin zur vollständigen Transparenz darüber, wie sie Geld verdienen. Sie setzen auf intuitive, lehrreiche Nutzererfahrungen und ersetzen damit die alte Abhängigkeit von Papierkram und Prestige. Die heutigen Neo-Akteure beginnen mit risikoarmen, leicht verständlichen Produkten und bauen Glaubwürdigkeit schrittweise auf. Bildung spielt dabei ebenfalls eine zentrale Rolle: Ihre Plattformen führen nicht nur aus – sie erklären und leiten an, was das Verständnis und die Loyalität der Anleger vertieft.
Das bedeutet nicht, dass die frühen Online-Banken dem Untergang geweiht sind oder ganz verschwinden werden. Aber sie haben bereits seit einiger Zeit zu kämpfen, und sie beginnen, den Mehrwert eines mutigeren Digitalisierungsansatzes zu erkennen – etwas, das ihre Wettbewerber bereits umsetzen. Tatsächlich arbeiten heute viele traditionelle Banken aktiv mit Fintechs zusammen, um moderne Finanzlösungen zu entwickeln, die sich in ihr bestehendes Angebot integrieren lassen. Es ist eine Win-Win-Win-Situation – nicht nur für beide Arten von Finanzdienstleistern, sondern auch für ihre Kunden.
Neobanken hingegen haben gelernt, Vertrauen digital aufzubauen – von der Verwendung einfacher Sprache bis hin zur vollständigen Transparenz darüber, wie sie Geld verdienen.
[](https://www.linkedin.com/in/karl-im-brahm/)### Karl im Brahm
CEO DACH Region, Objectway
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Article
**Tags:** #artificialintelligence, #efficiency, #financialservices, #operationalefficiency, #privatebanking
---
### [about objectway Caring for a IT Systems like a Tamagotchi](https://objectway.com/codemotion-2024-caring-for-it-system-like-a-tamagotchi/)
**Published:** January 23, 2025
**Author:** Lorenzo Noventa
**Excerpt:** At Codemotion 2024, we showcased how we care for IT systems through a demo led by one of our youngest developers and using the Tamagotchi metaphor.
**Content:**
###### GEN 23, 2024
# Caring for a IT Systems like a Tamagotchi
[Michele Danieli](https://www.linkedin.com/in/mchdnl/)
Architecture and Technology Director
[Alessandro Scavino](https://www.linkedin.com/in/alessandro-scavino-6bb6851b1/)
Software Developer
about objectway
[\#OpenApi](/open-api/)[\#Artificialintelligence](/artificial-intelligence/)[\#Automation](/automation/)[\#CeoTalk](/ceotalk/)[\#Cloud](/cloud-2/)
The Tamagotchi – a small digital pet from Japan – took the world by storm in 1996. This handheld game challenged players to care for a virtual alien pet through its lifecycle, from egg to adulthood. What did the Tamagotchi teach us? It underscored that anything thrives when cared for attentively and decays in neglect. And isn’t that true for IT systems as well?
The Lifecycle of a System
Just like a Tamagotchi, every IT system resembles an “alien” idea born on a whiteboard or a document, evolving through distinct stages of its lifecycle. Unusual metaphor yes, but the story may go like this:
In the beginning, there is the egg – the design phase, where the system is conceived. Here, its foundations are laid, and its potential is imagined. The puppy stage follows, where the system is built. It requires constant attention and depends on the team’s dedication to create something functional. Next, the system comes of age – it is deployed, begins interacting with the world, and settles into operation. But change is inevitable: systems must adapt to new environments, integrate with other systems, and evolve to meet emerging needs. This is where recurring cycles of adaptation and maintenance ensure ongoing health. And finally, the system retires.
Throughout this lifecycle, poor care at any stage can lead to system struggles. Neglected design choices ripple into development and operation, while deferred decisions lead to technical debt that’s increasingly difficult to address. Every choice we make – or fail to make – impacts the system’s ability to thrive, and eventually its health.
But what does a “Healthy” System really mean?
We often define system health by its immediate, visible qualities – attributes that sit “above the surface.” For developers, this typically includes correctness, stability, and maintainability. But if we delve deeper, system health also encompasses performance, operability, security, resiliency, even cost-effectiveness – factors that become especially critical in regulated industries like ours.
Although different “caretakers” – Devs and Ops – may have different viewpoints about where “health” stands, when we examine common challenges, recurring patterns emerge:
- Knowledge gaps or loss of critical information
- Implicit knowledge trapped in individual silos
- Resistance to change or difficulty in managing it
- Unclear or inconsistent performance metrics
Too often, these issues result in a blame game, with Devs and Ops bouncing problems back and forth, potentially leading to inefficiencies and even system failure.
Breaking the Dev vs. Ops Divide
Along its lifecycle Devs and Ops have a different interaction with the system. Developers’ involvement is intense during the early phases but diminishes as the system transitions to production. Conversely, infrastructure and operations teams become increasingly engaged as the system approaches go-live and enters the run phase. While this division of focus helps manage cognitive load, it also reinforces silos and misunderstandings, perpetuating a “separation of duties” mindset common in many IT organizations.
Modern IT demands more. Technological drivers like cloud computing, mobile platforms, big data, and edge computing, combined with the architectural demands of distributed, real-time, always-on systems with perimeter-less security, have reshaped the landscape. Strategic imperatives – digitalization, automation, complexity, and sustainability – add even greater urgency.
To address these challenges, the traditional dichotomy between the Software Development Lifecycle (SDLC) and IT Service Management (ITSM) needs to evolve towards a system-centric perspective, prioritising Quality as a unifying principle.
Drawing from INNOQ’s “Quality 42” model, eight key determinants define whether a system can consistently meet its stakeholders’ expectations over time. A system must be:
- Reliable
- Flexible
- Efficient
- Usable
- Operable
- Suitable
- Secure
- Safe
These factors are essential, but quality doesn’t exist in a vacuum, and system health is about more than just technology. It is intrinsically connected to how we function as an organization—our culture, skills, and practices. Much like a pet thrives or struggles based on its owner’s routines and environment, systems depend on the ecosystem of people and processes that surround them.
Therefore, to truly embed quality into a system, we need to address four additional key dimensions: - Organization: How we operate—the structures, hierarchies, and workflows that enable (or hinder) collaboration.
- Culture: The shared beliefs and attitudes that guide behaviour and decision-making.
- Skills: The depth and breadth of competencies within teams.
- Practices: The processes and routines that govern how we build, test, and run the system.
As we dissolve the traditional boundaries between Development and Operations we must do so across all dimensions: operational, cultural, and organizational. This requires adopting a cooperation model – the ‘promised land’ where Dev and Ops teams collaborate seamlessly to ensure system health and adaptability.
This model transforms how work is approached throughout the system’s lifecycle, creating an ecosystem where knowledge and responsibility are shared, behind-closed-doors decisions are replaced by open communication, upstream-downstream friction is reduced, and teams share a common view of the system’s full lifecycle.
Putting Principles into Practice
At Codemotion 2024, we showcased how we care for IT systems through a demo led by one of our youngest developers. A pet project was created with a focus on flexibility, security, and performance. Alessandro shared a step-by-step account of the project, highlighting his technical decisions and methodological approach to balancing quality and innovation. Reflecting on the experience, Alessandro said:
“When Michele proposed me to join him at Codemotion, I immediately saw it as an opportunity to I saw it as a thrilling opportunity to challenge myself and grow. Collaborating on this project not only introduced me to exciting technologies but also reinforced a methodology I strongly believe in. The preparation behind our presentation was intense yet rewarding. It wasn’t just about crafting a polished demo; it was about sparking meaningful conversations and refining ideas through collaboration and refining ideas through collaboration. Seeing over 200 attendees actively engaged with our session and representing my company at Codemotion was a truly inspiring experience”.
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### Il Futuro del Wealth Management: Tecnologia, Personalizzazione e nuovi modelli di Servizio
[](/il-futuro-del-wealth-management-tecnologia-personalizzazione-e-nuovi-strumenti-di-advisory/)
Artificial Intelligence
### AI e GenAI: nuovi strumenti a supporto del WM
[](/artificial-intelligence-e-gen-ai-a-supporto-del-wealth-management/)
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**Categories:** #Api, #ArtificialIntelligence, #Automation, #CeoTalk, #ClientRelationship, #Cloud, #OpenFinance, About Objectway, Blog
---
### [Advisory Innovating Financial Planning For a New Era of Longevity and Goal-Based Investing](https://objectway.com/innovating-financial-planning-for-a-new-era-of-goal-based-investing/)
**Published:** May 8, 2025
**Author:** Lorenzo Noventa
**Excerpt:** Financial planning is complex. Thanks to our Financial Planning solution, advisors can ensure their clients understand their financial plans.
**Content:**
###### MAY 08, 2025
# Innovating Financial Planning For a New Era of Longevity and Goal-Based Investing
[Georgios Lekkas](https://www.linkedin.com/in/glekkas/)
Innovation Director, Objectway
advisory
[\#Artificialintelligence](/artificial-intelligence/)[\#Clientrelationship]()[\#PortfolioOptimisation](/portfolio-optimisation/)[\#Portfoliomanagement](/portfolio-management-h/)
The impending intergenerational transfer of capital has sparked extensive market commentary. However, there is a debate about whether this will materialize as predicted. Despite widespread market forecasts, the actual pace and scale of asset transfer may significantly lag behind expectations. Today’s baby boomers and silver surfers, with longer lifespans and evolving lifestyle choices, may retain their wealth and liquidity far longer than anticipated. This longevity necessitates that wealth firms and advisors focus on overcoming the decumulation challenges associated with the retirement phase of their clients’ lives.
Conversely, recent findings from investor studies and market analyst firms reveal a growing trend among younger clients toward goal-based investing. These young investors are more than twice as likely to evaluate the value of their financial advisors based on progress toward their specific financial goals. In contrast, older clients tend to value their advisors for the sense of security and peace of mind they provide, highlighting differing priorities between these two cohorts, but a common impact on clients both financially and psychologically when they have a financial plan in place, making them more confident about navigating these uncertain times.
To bridge these generational differences, reframing the financial planning process as an ‘opportunity to achieve’ can significantly enhance decision-making for clients, whether they are in the accumulation or decumulation phase of their lives. Simplifying the inherently complex process of financial planning helps clients focus on their most important goals. Achieving long-term financial security requires a comprehensive approach: strong engagement for effective results, extensive analysis, and tailored solutions that address individual needs.
Traditional financial planning methodologies, which rely on static models and historical data, may prove inadequate in today’s volatile environment. An adaptive financial planning approach, emphasizing agility and responsiveness, allows practitioners to adjust strategies in real-time based on emerging trends and evolving market conditions. By adopting a dynamic approach, financial planners can better anticipate and mitigate risks while seizing potential opportunities.
Central to this adaptability is the integration of advanced analytics, technology, and a client-centric approach.
Financial planning is complex, and gaining client buy-in is crucial. Thanks to our advanced Financial Planning solution, advisors can ensure their clients understand their financial plans and recommendations. Such solution minimizes the time spent on software, allowing advisors to engage clients through meaningful discussions and need analysis. Our solution requires minimal client information, runs innovative algorithms to quickly analyze needs, and provides comprehensive and meaningful results enhancing efficiency, speed, and client satisfaction. A proper financial planning solution should also allow advisors to handle every situation, with multiple reporting options available for annual reviews, meetings with prospective clients, or presenting full financial plans.
Meeting every phase of a client’s life is also a key feature of optimal financial planning. Providing specific tools for the retirement phase of a client’s life offers unbiased recommendations on how to reduce the risk of outliving their money while achieving their after-tax lifestyle and estate goals. Decumulation optimization adds value to all client situations, regardless of age or financial status, by ensuring the advisor is working with accurate decumulation and government benefit assumptions.
We are developing it further, using Generative AI to support advisors in understanding the alternatives and selecting the optimal solutions. We will also ‘graduate’ it from its current mass-affluent orientation, to what can be better called Wealth Planning, addressing the more diverse and sophisticated needs of the HNWI and UHNWI segments.
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Digital Trasformation
### Engaging the Next Generation of Investors: Embracing Digital Innovation for Lasting Impact
[](/engaging-the-next-generation-of-investors-through-digital-innovation/)
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### The use of AI and effective Data Management
[](/pam-digital-report-2024-the-use-of-ai-and-effective-data-management/)
**Categories:** #ArtificialIntelligence, #ClientRelationship, #PortfolioManagement, #PortfolioOptimisation, Advisory, Blog
---
### [Business Reconfiguration Efficienza Operativa nella Gestione degli Investimenti Alternativi](https://objectway.com/efficienza-operativa-nella-gestione-degli-investimenti-alternativi/)
**Published:** April 13, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** La ricerca di un’elevata efficienza operativa tramite l’affidamento a operatori e leader qualificati dei processi vitali di operations, calcolo NAV etc.
**Content:**
###### APRIL 13, 2021
# Efficienza Operativa nella Gestione degli Investimenti Alternativi
[Michele Tanzi](https://www.linkedin.com/in/michele-tanzi-39b18410/)
Market Solution Director
[Paolo Orlandi](https://www.linkedin.com/in/paolo-orlandi-7a92453/)
Head of Business Development
Business Reconfiguration
[\#RiskManagement](/owintalk/risk-management/)[\#PortfolioManagement](/owintalk/portfolio-management-h/)[\#HyperPersonalisation](/owintalk/hyper-personalisation/)
Secondo una ricerca di Prequin-Amundi, a fine 2019 l’industria degli investimenti alternativi in Europa ammontava ad oltre 2.000 miliardi di euro di AUM, mantenendosi sostanzialmente sugli stessi livelli a fine 2020, nonostante la pandemia Covid-19.
In Italia, si è assistito ad un crescente interesse verso questa tipologia di asset class, sia in termini di controvalore complessivo che di numerosità degli operatori.
Per il nostro Paese questo trend è particolarmente importante, se si considera il nostro tessuto economico produttivo composto per la stragrande maggioranza da piccole e medie imprese alla costante ricerca di nuove forme di finanziamento e la presenza di un elevato stock di risparmio di fonte privata (4.445 mld di euro a fine 2019, secondo Consob) e istituzionale, fortemente interessato a forme di diversificazione alternative di portafoglio.
A livello pratico questo si traduce in una crescita del numero di operatori e di iniziative volte a convogliare una parte dei risparmi privati e istituzionali verso la cosiddetta economia reale, tramite veicoli specializzati (FIA Privati, ELTIF, etc) e agevolati fiscalmente, promossi e istituiti sia da SGR dedicate che da operatori tradizionali pronti ad allargare il loro perimetro operativo a questa tipologia di attività.
La riduzione del rendimento delle asset class tradizionali spinge i gestori di portafoglio ad introdurre nuove strategie di gestione e a strutturare un’offerta basata su strumenti alternativi anche per il mercato mass affluent.
E’ evidente quindi la necessità da parte dei gestori di allargare le soluzioni offerte ai propri clienti e di coprire un target di clientela sempre più grande e variegato.
Il comune denominatore di queste iniziative è la ricerca di un’elevata efficienza operativa nel completo rispetto dei vincoli normativi di riferimento, attraverso l’affidamento a operatori qualificati e leader di mercato nelle rispettive aree di riferimento, dei processi vitali di operations, calcolo NAV, risk management e valuations.
La necessità di realizzare anche soluzioni tailor-made su uno o più specifici ambiti degli investimenti alternativi comporta evidentemente la ricerca di piattaforme fortemente configurabili e aperte per consentire una rapida intergrazioni di fonti terze e un colloquio agile con gli enti regolatori e di controllo.
E’ sulla base di queste esigenze che è importante poter contare su una soluzione end-to-end integrate e di alto livello che agevoli lo scambio dei flussi operativi e di analisi a favore di tutti gli stakeholders.
Siamo certi di aver già solleticato abbastanza la vostra fantasia, vi promettiamo quindi di parlarvi al più presto di questa soluzione, in uno dei prossimi articoli.
**RELATED POST**
Objectway
### Gestione Fondi Alternativi
[](https://www.objectway.com/gestione-fondi-alternativi/?lang=it)
**Categories:** #HyperPersonalisation, #PortfolioManagement, #RiskManagement, Blog, Business Reconfiguration
---
### [IBS Intelligence awards Objectway "Best in Private Banking, Wealth, Investment and Fund Management Deals", leading the European market](https://objectway.com/ibs-intelligence-awards-objectway-best-in-private-banking-wealth-investment-and-fund-management-deals/)
**Published:** June 16, 2023
**Author:** leo aloi
**Excerpt:** Objectway has been recognised as the market’s leading firm for Private Banking and Wealth Management deals in the IBS Intelligence Sales League Table (SLT).
**Content:**
[](/news/)
View all News
# IBS Intelligence awards Objectway “Best in Private Banking, Wealth, Investment and Fund Management Deals”, leading the European market
London, 16th June 2023 – A triple achievement reflecting the firm’s business performance across the full spectrum of financial services, and their scalability on a pan-European scale.
**Objectway, top 100 global provider of as-a-service software and services for financial institutions, has been recognised by IBS Intelligence in the exclusive Sales League Table (SLT) Leadership Club as**:
- Best in Private Banking & Wealth Management
- Best in Investment & Fund Management
- Regional Leader in Europe
The **IBS Intelligence Annual Sales League Table (SLT)** is the industry-acknowledged barometer of global financial technology provider performance, having been reporting the number of system and solution sales achieved by vendors around the world for well over 20 years..
The 2023 edition included over 1.250 deals made by over 500 banks and financial institutions across 134 countries globally.
Dynamic digital acceleration is key to success in financial services. Technology is critical in enabling bankers and wealth managers to accomplish their main business objectives of achieving scale, improving front office efficiency and attracting new clients. Moving forward, replacing and updating their systems is high on firms’ digital agendas as they plan to build a business model capable of servicing future growth targets.
[](https://www.objectway.com/)### Luigi Marciano
CEO & Founder, Objectway
I would like to congratulate Objectway for their win in ‘Private Banking & Wealth Management’ and ‘Investment & Fund Management’ categories in SLT 2023. They were also recognised as ‘SLT Regional Leader’ in Europe. Objectway has maintained its lead in the private banking space, showcasing their understanding of the evolving needs in this industry and has positioned themselves as a trusted and influential player in the private banking and investment management space.
[](https://ibsintelligence.com/)### Nikhil Gokhale
Head of Research Platforms at IBS Intelligence,
## Related
[All](#)[\#compeer](#)[\#customerexperience](#)[\#financialservices](#)[\#markettrends](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
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**Categories:** Awards
**Tags:** GLO
---
### [Objectway to sponsor upcoming The Banking Scene Conference in Brussels22nd May 2025](https://objectway.com/objectway-to-sponsor-upcoming-the-banking-scene-conference-in-brussels/)
**Published:** May 20, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** The Banking Scene flagship event is back and Objectway is waiting for you to explore key topics and lessons learned from leading experts in financial services.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway to sponsor upcoming The Banking Scene Conference in Brussels
22nd May 2025 – The Banking Scene flagship event and Belgium’s largest banking conference is back and Objectway is waiting for you to explore key topics and lessons learned from leading experts in financial services.
## Agenda
Thursday, 22nd May 2025
8:30 – 17:00
\#TBSCONF25BXL – Tour & Taxis
Kurt Vanhee, Managing Director Continental Europe & North America, Objectway
The Banking Scene Conference is back in May with more than 400 professionals. The Event Conference will address 2 different tracks: one on payment and one on banks, with the addition of a dedicated networking space.
Banks are undergoing an internal metamorphosis, reshaping their core structures, strategies and cultures to thrive in a rapidly changing environment.
Engage in thought-provoking discussions, gain insights from pioneering experts and network with industry professionals who are leading the way. Don’t miss this opportunity to be part of the transformation that is redefining the future of banking.
Objectway’s quest to help you shape the financial services of tomorrow, including banks, is always on and our solutions are designed to provide you with an automated and omni-channel strategy to improve client experience and enhance business productivity through integrated digital capabilities.
Curious to find out more? Don’t miss the chance to meet up with **Kurt Vanhee, Objectway Managing Director Continental Europe and North America/span>** and get ready to attend sessions and workshops for gathering concrete and interactive takeaways that can be used in your day-to-day job.
**[Register now to reserve you spot:](https://thebankingscene.com/events/tbsconfbxl/tickets/)** we’re looking forward to meeting you in Brussels!
## Event Information
22nd May 2025, Tour & Taxis, Rue Picard 7, 1080 Brussels
We’re looking forward to meeting you in Brussels!
## Speakers
Kurt Vanhee
Kurt has joined Objectway in 2013 and since April 2020 he has become Objectway Managing Director Continental Europe & North America. Over the years, he has acquired in-depth knowledge and skills in the wealth management, IT, customer delivery and business development activities, working within different international and cutting-edge environments. His nearly 30-years career has always been focused on a customer-centric approach for both large and medium-size financial organizations.
## Related
[All](#)[\#financial-planning](#)[\#financialservices](#)[\#oneobjectway](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
Yes, I want to receive updates about Objectway events and products. I have read and agree with the [Privacy Policy & Terms of Use]()
Your brand company
**Categories:** Event
**Tags:** #customerexperience, #financialinstitutions, #financialservices, #privatebanking, #technology
---
### [Separately Managed Account, la via verso Gestione evoluta, Consulenza e Valore?22 Maggio 2025](https://objectway.com/la-via-verso-la-gestione-patrimoniale-evoluta-e-la-consulenza-a-valore-iscriviti-ora-al-prossimo-evento-objectway/)
**Published:** May 21, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Registrati per partecipare all’evento organizzato da Objectway per approfondire il ruolo dei Separately Managed Account nel settore del Wealth Management.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Separately Managed Account, la Via verso Gestione Evoluta, Consulenza e Valore?
22 Maggio 2025 – Registrati subito per partecipare all’evento organizzato da Objectway e dedicato alla clientela Private italiana per approfondire insieme il ruolo delle Gestioni Patrimoniali Personalizzate nel settore del Wealth Management.
## Agenda
Giovedì 22 Maggio 2025
16:30 – 18:30
Market Insights Session
16:30
Accredito e Registrazione
17:00
Opening
[Gianbattista Geroldi, CEO Italia, Objectway](https://www.linkedin.com/in/gianbattista-geroldi-070a322a/)
17:10
Gestioni Patrimoniali: Quale ruolo nel Private Banking di domani?
Antonella Massari, Segretario Generale e membro del Consiglio di Amministrazione, AIPB
17:30
Keynote Speech
Mauro Panebianco, Partner – Asset & Wealth Management EMEA Advisory Leader, PwC
17:50
Tavola Rotonda
Modera:
Paola Sacerdote, Giornalista, Advisor
Intervengono:
- Mauro Panebianco, Partner – Asset & Wealth Management EMEA Advisory Leader, PwC
- Lorenzo Palleroni, AD e Direttore Generale, Vontobel Wealth Management SIM
- Gianmarco Zanetti, Direttore Generale, Euromobiliare Advisory SIM
- Max Renzulli, Market Solution Director, Objectway
18:30
Conclusioni
18:45
Aperitivo in Terrazza accompagnato da una vista mozzafiato sullo skyline di Milano!
Objectway è lieta di invitarti ad un evento dedicato alla clientela italiana, con l’obiettivo di approfondire insieme le prospettive di crescita delle Gestioni Patrimoniali Personalizzate nel settore del Wealth Management.
Nel panorama del Wealth Management, i servizi di **gestione patrimoniale** e **consulenza a valore** stanno diventando le leve decisive per garantire **redditività** e costruire relazioni durature con la clientela Private. Dagli Stati Uniti arrivano i **Separately Managed Accounts (SMA)**: un servizio che offre un mix unico di personalizzazione, ottimizzazione fiscale e trasparenza dei costi, elementi sempre più imprescindibili per competere, anche in Europa e in Italia.
Durante l’evento esploreremo come **declinare efficacemente questo servizio** secondo le specificità del mercato europeo ed italiano, nel rispetto della normativa e dei modelli operativi. Un’occasione per confrontarsi con esperti di settore, analizzare dati e trend di mercato e ascoltare direttamente la voce dei protagonisti del mondo finanziario.
Giovedì 22 Maggio 2025, A’Riccione Terrazza 12, Via Durini, 28, Milano
A seguire, Aperitivo in Terrazza accompagnato da una vista mozzafiato sullo skyline di Milano!
I posti sono limitati. Compila il modulo per registrarti; la conferma dell’iscrizione sarà inviata dalla segreteria organizzativa.
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## Speakers
Gianbattista Geroldi
Gianbattista coordina il business italiano di Objectway e fa parte del consiglio di amministrazione del gruppo, in qualità di CEO Italia. Con oltre 20 anni di esperienza nel settore dei servizi finanziari, Gianbattista ha ricoperto ruoli di senior management in società di software per servizi di investimento prima di entrare in Objectway. Ha guidato con successo le operazioni di diverse attività nel settore del wealth e asset management, consolidando la leadership delle soluzioni Objectway nel mercato italiano.
Antonella Massari
Entra nel gruppo UniCredit nel 1987 ed è responsabile di numerosi progetti di ricerca. Nel 1997 è a capo dell’Ufficio “Investor Relations”, dal 2008 è Head of Group Identity & Communications e successivamente Executive Vice President Responsabile del Dipartimento Group Stakeholders and Service Intelligence. Da marzo 2017 è Segretario Generale e membro del Consiglio di Amministrazione di AIPB. Laurea in Bocconi.
Lorenzo Palleroni
Amministratore Delegato e Direttore Generale di Vontobel Wealth Management SIM, Lorenzo Palleroni ha lanciato il private banking di Vontobel in Italia, con l’apertura della sede di Milano nel luglio 2020. Lorenzo è responsabile per la clientela privata di Vontobel in Italia. In precedenza, ha ricoperto vari ruoli di rilievo in Credit Suisse: dal 2001 al 2005 è stato Responsabile del Team di Wealth Management dell’ufficio di Lugano, dal 2002 al 2009 CEO di Credit Suisse Servizi Fiduciari, dal 2006 al 2009 Responsabile del Team di Wealth Management, e dal 2013 al 2020 Managing Director, Team HNWI di Milano. Subito dopo la laurea in economia e commercio, conseguita presso l’Università Bocconi di Milano, ha iniziato la sua carriera presso uno studio di Chartered Accountants nel Regno Unito.
Mauro Panebianco
Mauro è leader di PwC EMEA AWM con oltre 30 anni di esperienza nel settore dei Financial Services con focus nell’ambito dell’Asset & Wealth Management. Dirige la practice AWM di PwC Advisory Italia. Durante la sua lunga esperienza in PwC, Mauro si è occupato in particolare di riorganizzazioni aziendali, servizi regolamentari e di compliance, change management, performance e process improvement, pianificazione strategica, sviluppo di modelli di controllo interno.
Max Renzulli
Max ha consolidato la sua carriera nella gestione patrimoniale lavorando presso HSBC Private Bank, Goldman Sachs e JP Morgan Private Bank, nella gestione patrimoniale presso BNP Paribas Securities Services e in Fund Services presso Citibank. In precedenza, ha anche ricoperto il ruolo di Direttore generale di AMS (Asset Management Services) per 2 anni. Dal 2021, Max è diventato Partner di Parva, una società di consulenza con un’impronta europea, come leader della Business Practice Asset & Wealth Management. La sua visione orientata al cliente, la capacità di gestire progetti complessi e l’esperienza nella gestione dei prodotti sono gli elementi chiave del suo successo. Da marzo 2024, Max è stato nominato Managing Director di Advisory Tribe e Market Solution Director di Wealth and Asset Management di Objectway.
Paola Sacerdote
Paola è giornalista e lavora in Advisor dal 2020. Collabora alla pubblicazione di articoli e interviste sia per il mensile Advisor che per il bimestrale Advisor Private. Specializzata in Financial Services News, ha collaborato con diverse testate, coordinando progetti editoriali. Ha conseguito una laurea magistrale in Scienze Politiche e Storia Internazionale presso l’Università degli Studi di Milano.
Gianmarco Zanetti
Gianmarco ricopre il ruolo di Direttore Generale di Euromobiliare Advisory SIM dal 2018 (start up del Gruppo Credem con focus su servizi wealth e di gestione dei patrimoni) e da aprile 2021 membro del Consiglio di amministrazione di EuroFundLux SICAV. Con oltre 25 anni di esperienza, maturata in Italia e Svizzera, in ambito finanza mercati e Asset & Wealth Management, Gianmarco ha ricoperto diversi incarichi di responsabilità e coordinamento in ambito portfolio management, product management e global wealth advisory all’interno del Gruppo Credem, di cui fa parte dal 2004. Ha conseguito la Laurea in Economia e Commercio presso l’Università degli studi di Bologna ed il Executive Master in “Alternative Investments” presso il Centro Studi Bancari di Lugano.
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[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
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---
### [Women in Tech Global Conference – A space for women in technology22nd May 2025](https://objectway.com/women-in-tech-global-conference-a-space-for-women-in-technology22nd-may-2025/)
**Published:** May 19, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** The Women in Tech Global Conference provides multiple opportunities to learn, experience, network, and be inspired. Join us on May 22nd.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Women in Tech Global Conference – A space for women in technology
20th – 22nd May 2025 – The Women in Tech Global Conference provides multiple opportunities to learn, experience, network, and be inspired. Join our Padma Ganeshan to discover how the cultural differences sign the success of a teamwork.
## Agenda
Thursday, 22nd May 2025
6:00 AM EDT/New York
12:00 PM Europe/Berlin
Leading Across Cultures: The Power of Stakeholder-Centric Leadership and Cultural Intelligence
Padma Ganeshan, Service Delivery Manager, Objectway
Get ready to connect and share your goals with like-minded individuals at the largest global conference for women in tech. The Conference will be focused on the latest and emerging technologies and powerful personal stories to create authentic experiences.
Expand your horizons and elevate your skills by attending the Session that will be held by **Padma Ganeshan, Objectway’s Service Delivery Manager**. Padma will explore how stakeholder-centric leadership and cultural intelligence go hand in hand. Based on her experience leading multicultural teams across Germany, Spain, and India, she will share how learning to observe, absorb, and adapt—while respecting cultural differences—transformed the way of leading.
Get ready to hear from C-Level executives and keynote speakers how advice channels and offerings are evolving and how they are being tailored to the changing needs of investors.
- Who really are your stakeholders?
- How do you prioritize who to listen to—and when?
- What happens when cultural norms shape KPIs, timelines, and communication styles?
- How do you keep your leadership authentic while being culturally adaptable?
Whether you’re an aspiring leader or already managing global teams, this conversation will leave you reflecting on how empathy, awareness, and curiosity can shape your leadership journey. Join us and [get your ticket following this link](https://www.womentech.net/speaker/Padma/Ganeshan/134754).
Don’t miss out and join visionaries, innovators, and thought leaders from all over the world at the Women in Tech Global Conference!
## Virtual Event Information
Thursday, 22nd May 2025, 6:00 AM EDT/New York/12:00 PM Europe/Berlin
## Speakers
Padma Ganeshan
A fintech leader with 15+ years of experience across Europe and India, I specialize in delivery, team empowerment, and cross-cultural collaboration. As a passionate advocate for women in tech and co-lead of community initiatives, I use my voice to inspire empathetic, culturally aware leadership.
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7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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---
### [Objectway Acclaimed in the 2025 5-Star WealthTech Providers by Wealth Professional](https://objectway.com/objectway-acclaimed-in-the-2025-5-star-wealthtech-providers-by-wealth-professional/)
**Published:** April 24, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway has been named one of Wealth Professional Canada’s 2025 5-Star WealthTech Providers.
**Content:**
[](/news/)
View all News
# Objectway Acclaimed in the 2025 5-Star WealthTech Providers by Wealth Professional
Toronto, 24th April 2025 – Wealth Professional Canada has officially announced the winners of its annual 5-Star WealthTech Providers list, and Objectway is proud to be named one of this year’s top performers. This prestigious recognition underscores Objectway’s excellence in delivering innovative, high-impact technology solutions tailored for the wealth management industry.
Wealth Professional Canada’s research team conducted an extensive analysis of the wealth tech landscape, guided by expert insights and in-depth market research to identify standout companies shaping the future of financial services through technology.
Backed by a rigorous evaluation process, its 30+ member Intelligence Unit assessed nominations from across the country. Entrants were required to outline the key industry challenges they address, showcase how their solutions outperform competitors, and provide evidence of measurable success and execution.
**Chris Sweeney**, Managing Editor for Special Reports at Wealth Professional shared his insights on the selection process, stating, “The standard of innovation and solutions across the nominees was thoroughly impressive. Objectway stood out for their ability to solve problems for wealth management professionals by delivering a product that is both unique and demonstrably successful.”
Founded on a pioneering spirit and strengthened by over three decades of consistent innovation, Objectway delivers a **cutting-edge software and services platform**, empowering over **100,000 investment professionals**, influencing the financial lives of more than **five million investors globally**. Objectway’s inclusion on this list affirms its status as a trailblazer in wealth technology, delivering integrated digital wealth solutions that empower regulated firms offering wealth management, asset management, and asset services to optimize client engagement, boost operational efficiency, and drive sustainable growth.
We are honoured to be recognized as a 5-Star Wealth Tech Provider by Wealth Professional Canada. This award underscores our dedication to innovation, client-centricity, and track record in helping wealth management firms adapt and thrive in an evolving digital landscape.
[](https://www.linkedin.com/in/luigi-marciano-66b9538/)### Luigi Marciano
CEO, Objectway
Being named a 5-Star WealthTech Provider for 2025 reflects Objectway’s deep-rooted dedication to excellence and forward-thinking innovation.
This accolade reflects our approach of combining deep domain expertise, a flexible solution model, and a strong commitment to a partnership delivery model, coupled with a roadmap that integrates customer feedback, regulatory and technology considerations, and competitive market dynamics.
[](https://www.linkedin.com/in/geoffparslow/)### Geoff Parslow
Enterprise Account Executive, Objectway
With a strong vision and culture of collaboration, Objectway continues to shape the future of the financial services industry.
Read the complete spotlight on Objectway by Wealth Professional: .
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7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Awards
**Tags:** #digital-transformation, #financialservices, #innovation, #wealth-management, #wealth-management-trends
---
### [SIMA Spring Forum: The Changing Landscape of Advice14th May 2025](https://objectway.com/sima-spring-forum-the-changing-landscape-of-advice14th-may-2025/)
**Published:** May 12, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Geoff Parslow, Objectway Enterprise Account Executive, will join the SIMA Conference to discuss how regulatory initiatives are impacting technological innovations.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# SIMA Spring Forum: The Changing Landscape of Advice
14th May 2025 – Geoff Parslow, Objectway Enterprise Account Executive, will join the SIMA Conference to discuss how regulatory initiatives are impacting technological innovations.
## Agenda
Wednesday, 14th May 2025
8:00 – 11:30 AM ET
The Changing Landscape of Advice
Geoff Parslow, Enterprise Account Executive, Objectway
The Securities and Investment Management Association (SIMA) now stands in a renewed guise as the leading voice for the securities and investment management industry – including investment fund managers, investment and mutual fund dealers, and capital markets participants.
SIMA aims to drive meaningful change, in support of a resilient, innovative investment sector that fuels long-term economic growth and creates opportunities for all Canadians.
Get ready to hear from C-Level executives and keynote speakers how advice channels and offerings are evolving and how they are being tailored to the changing needs of investors.
**Geoff Parslow, Objectway Enterprise Account Executive**, will take part to the **“Regulation & Innovation” Session** to explore, together with other business professionals, how are regulatory initiatives removing barriers for digital advice services, and what technological innovations can we expect.
Please do not hesitate to contact us at **** and we will be happy to provide you with any information you need to attend the event.
## Event Information
Wednesday, 14th May 2025, National Club, 303 Bay St., Toronto (Ontario)
We’re looking forward to meeting you in Toronto!
## Speakers
Geoff Parslow
As of January 2025, Geoff was appointed as Enterprise Account Executive. With over 25 years of experience in wealth and asset management, Geoff combines deep market knowledge with a strong results-oriented approach, qualities that make him the ideal person for this role. Prior to joining Objectway, he was Head of Canadian Distribution at d1g1t and OneVest, distinguished by his ability to support companies in tackling complex business challenges.
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7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Event
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---
### [Software-Experte: So kann KI Finanzberatern helfen](https://objectway.com/software-experte-so-kann-ki-finanzberatern-helfen/)
**Published:** May 8, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Die KI hat das Potenzial, bestimmte Anlage- und Beratungsfunktionen zu übernehmen.
**Content:**
[](/news/)
View all News
# Software-Experte: So kann KI Finanzberatern helfen
8\. Mai 2025 – KI schreibt Texte, imitiert Fotos – und gibt Investmenttipps. Doch wie kann die Technologie Anlageberatern den Arbeitsalltag konkret erleichtern? FONDS professionell ONLINE bat Karl im Brahm vom Software-Haus Objectway, einige konkrete Beispiele zu nennen.
Künstliche Intelligenz (KI) kann Finanzberater gleich auf mehreren Ebenen unterstützen. Davon ist Karl im Brahm überzeugt, Chef für die DACH-Region bei Objectway, einem Software-Anbieter für Banken, Vermögensverwalter und Asset Manager. So könne KI Beratern einerseits lästige Arbeit abnehmen, andererseits aber auch dabei helfen, bessere Entscheidungen zu treffen und ihren Kunden so eine höherwertige Dienstleistung anzubieten.
“Konkret kann KI die Arbeitsbelastung verringern, indem sie Routineaufgaben wie Dateneingabe, Abgleich und Berichterstellung automatisiert”, nennt im Brahm auf Anfrage von FONDS professionell ONLINE einige Beispiele. “Das führt wiederum zu einer geringeren Fehlerquote und ermöglicht es den Beratern, sich auf strategischere Aktivitäten zu konzentrieren”, so seine Erwartung. Darüber hinaus seien KI-gestützte Maschinen in der Lage, Compliance-Prozesse zu rationalisieren, indem sie automatisch und kontinuierlich Transaktionen überwachten und potenzielle Probleme aufzeigten, um die Einhaltung der Vorschriften zu gewährleisten.
Kundenbindung als Herausforderung
Interessant wird es abseits solcher Routineaufgaben. “Künstliche Intelligenz verbessert die Entscheidungsfindung von Finanzberatern, indem sie ihnen ermöglicht, schneller die nächstbeste Handlung für ihre Kunden anhand deren Vorlieben zu erkennen und so Empfehlungen zu geben, die unterschiedlichste Faktoren berücksichtigen”, sagt im Brahm. “Durch die Analyse bisheriger Daten und die Erkennung von Mustern liefert die KI Erkenntnisse, die in Anlagestrategien und Risikobewertungen einfließen können.”
Eine der größten Herausforderungen für Finanzberater sei die Kundenbindung, insbesondere angesichts des Zeit- und Kostenaufwands für den Aufbau dauerhafter Beziehungen, meint der Objectway-Manager. “Zwar wird die Portfolio-Performance häufig als Hauptgrund für die Abwanderung von Kunden genannt, aber Marktforschungen zeigen, dass Faktoren wie das Niveau der Finanzberatung, die Qualität der Zusammenarbeit und die Kosten der Dienstleistung ebenso wichtig sind”, sagt im Brahm. Hier könne eine KI-gestützte Personalisierung einen echten Unterschied machen.
Kundenzufriedenheit und -treue verbessern
So könnten Machine-Learning-Modelle dabei helfen, Kunden mit Abwanderungsrisiko zu identifizieren. “Dazu wird eine Vielzahl von Daten analysiert”, berichtet der Software-Experte. Es gehe sowohl um interne Daten wie Anlagebeträge, Produktmix, Transaktionsverhalten und Portfolio-Performance als auch um externe Faktoren wie Markttrends und Verbraucherstimmung.
Wichtig sei dabei, auf Transparenz zu achten. “Wir verwenden eine Methode aus der Spieltheorie, um klar zu zeigen, welche Datenpunkte am meisten zu jeder Vorhersage beigetragen haben”, erläutert im Brahm. “So erhalten die Berater verwertbare Erkenntnisse – nicht nur eine Bewertung des Abwanderungsrisikos, sondern auch eine Erklärung, warum ein Kunde möglicherweise abwandert.” Richtig eingesetzt könnten solche Tools dabei helfen, die Kundenzufriedenheit und Kundentreue zu verbessern.
“Es besteht die Gefahr, dass dieser Wandel die menschlichen Berater verdrängt”
Wenn es gelinge, die Fähigkeiten der KI mit menschlichem Fachwissen zu kombinieren, sei es möglich, eine bessere Personalisierung zu gewährleisten und gleichzeitig die menschliche Note zu bewahren, die die Kunden weiterhin schätzten. “Klar ist: Die KI hat das Potenzial, bestimmte Anlage- und Beratungsfunktionen zu übernehmen”, sagt im Brahm. “Aber es besteht die Gefahr, dass dieser Wandel die menschlichen Berater verdrängt – wenn die Unternehmen nicht klar den Mehrwert aufzeigen, den eine personalisierte, menschengeführte Finanzberatung bringt.”
Die KI hat das Potenzial, bestimmte Anlage- und Beratungsfunktionen zu übernehmen. Aber es besteht die Gefahr, dass dieser Wandel die menschlichen Berater verdrängt.
[](https://www.linkedin.com/in/karl-im-brahm/)### Karl im Brahm
CEO DACH Region, Objectway
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[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
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Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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---
### [Level up your practice and meet us at 2025 IFB Tech Expo14th May 2025](https://objectway.com/level-up-your-practice-and-meet-us-at-2025-ifb-tech-expo14th-may-2025/)
**Published:** May 6, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** At IFB Tech Expo, Mike Logashov, Objectway Solutions Product Manager, will showcase how RazorPlan allow to analyse clients’ financial and risk management needs.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Level up your practice and meet us at 2025 IFB Tech Expo
14th May 2025 – The IFB Tech Expo will be the ultimate opportunity for technology providers to explore the emerging digital solutions to support independent financial advisors succeeding.
## Agenda
Wednesday, 14th May 2025
12:00 – 4:00 PM ET
RazorPlan: Simplifying Financial Planning
Mike Logashov, Product Manager, Objectway
The first ever IFB Tech Expo is just around corner, and it will be the ultimate opportunity for technology providers to explore the emerging digital solutions to support independent financial advisors succeeding.
On Wednesday, May 14th, starting from 12:30 PM, our **Mike Logashov, Objectway Solutions Product Manager**, will contribute to the Technology Solution Demonstration discussion with the speech titled **“RazorPlan: Simplifying Financial Planning”** to showcase how RazorPlan, with its innovative algorithms and intuitive calculations, will allow Canadian financial planners to quickly analyse clients’ financial and risk management needs.
Secure your spot now: this half-day virtual event will connect you directly with technology experts that can help you streamline your operations.
**[Webinar Registration is Free: surbscribe now!](https://www.ifbc.ca/event/2025-ifb-tech-expo)**
Whether you’re looking to boost efficiency, enhance the client experience, or grow your practice, the IFB Tech Expo will get you there. Get ready to explore cutting-edge solutions built for financial advisors and gain exclusive insights to accelerate success.
## Webinar Information
Wednesday, 14th May 2025, 12:00 – 4:00 PM ET
## Speakers
Mike Logashov
Mike is the Product Manager for Financial Planning at Objectway Solutions Inc. With over a decade of experience in the financial services industry, Mike has held both client-facing and product management roles, specializing in financial planning. Before joining Objectway in 2024, Mike worked at one of Canada’s largest financial institutions, leading national projects across various aspects of wealth planning. Mike holds a Bachelor of Commerce in Economics from Toronto Metropolitan University (formerly Ryerson University) and is a Certified Financial Planner (CFP) and Chartered Life Underwriter (CLU).
## Related
[All](#)[\#financial-planning](#)[\#financialservices](#)[\#oneobjectway](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
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**Categories:** Webinar
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---
### [Objectway takes centre stage at the upcoming Forum Gestion Privée in Paris29th April 2025](https://objectway.com/objectway-takes-centre-stage-at-the-upcoming-forum-gestion-privee-in-paris/)
**Published:** April 19, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway and everyoneINVESTED will welcome you at the 10th Edition of Forum Gestion Privée by L’Agefi. Complete now your subscription and get ready to join us.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway takes centre stage at the upcoming Forum Gestion Privée in Paris
29th April 2025 – Objectway and everyoneINVESTED will welcome you at the 10th Edition of Forum Gestion Privée by L’Agefi. Complete now your subscription and get ready to join us.
## Agenda
Tuesday, 29th April 2025
10:30 – 11:00
The Evolution of Wealth Management Consulting: The Power of Client Profiling and Behavioural Finance
Kurt Vanhee, Managing Director Continental Europe, Objectway
Jurgen Vandenbroucke, Managing Director, everyoneINVESTED
The 10th Edition of the Private Management Forum by L’Agefi will be the ultimate occasion for private banks and family offices to uncover best practices and fruitful insights for retaining their existing clients and enhancing their current projects.
The political instability and the possible change in the rules of the tax game, is challenging private banks and family offices. While some wealthy individuals have already opted for exile, and despite a persistent lack of visibility, the wait-and-see attitude that may have been imposed a few months ago cannot replace financial advice.
Given this context, our **Kurt Vanhee, Managing Director Continental Europe**, and **Jurgen Vandenbroucke, everyoneINVESTED’s Managing Director**, will explore how empowering advisors with the right tools is transforming client engagement across the entire wealth journey, and how digital innovation can enhance the client relationship at every stage. Thanks to key insights from over 5000 French banking clients, we will take a deep dive into client profiling and behaviour.
Objectway and everyoneINVESTED, a leading international player in Digital Wealth & Asset Management software, have entered into a partnership agreement that enables everyoneINVESTED financial institutions and asset managers to access to their digital investment technologies in a more fast, effective and smoother way.
Get ready to discover how to build and maintain a seamless client experience while offering a highly personalised service.
**[Register now to secure your place](https://fgp.evenements.agefi.fr/fr/onglet-inscriptions)** and get ready to meet us at Forum Gestion Privée 2025!
## Event Information
29th April 2025, Shangri-La Hotel, 10 avenue de Iena
75016 Paris
We’re looking forward to meeting you in Paris!
## Speakers
Kurt Vanhee
Kurt has joined Objectway in 2013 and since April 2020 he has become Objectway Managing Director Continental Europe & North America. Over the years, he has acquired in-depth knowledge and skills in the wealth management, IT, customer delivery and business development activities, working within different international and cutting-edge environments. His nearly 30-years career has always been focused on a customer-centric approach for both large and medium-size financial organizations.
Jurgen Vandenbroucke
Jurgen joined everyoneINVESTED in April 2020 as Managing Director. He has over 25 years of experience in investment-related innovation and has contributed to several peer-reviewed publications on applied behavioural finance. His long-lasting professional experience has always focused on the development of robust and easy-to-use solutions that support investor protection and long-term investment, thereby improving the scalability of compliant investment services.
## Related
[All](#)[\#financial-planning](#)[\#financialservices](#)[\#oneobjectway](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
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[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
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**Categories:** Event
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---
### [Was Finanzberater von Influencern lernen können](https://objectway.com/was-finanzberater-von-influencern-lernen-konnen/)
**Published:** April 28, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Immer mehr junge Menschen holen sich Finanztipps bei Tiktok und Co. Banken und Berater stehen vor der Herausforderung, ihren Kommunikationsstil anzupassen.
**Content:**
[](/news/)
View all News
# Was Finanzberater von Influencern lernen können
29\. April 2025 – Immer mehr junge Menschen holen sich Finanztipps bei Tiktok und Co. Banken und Berater stehen vor der Herausforderung, ihren Kommunikationsstil anzupassen.
Tina Richtsteiger zeigt, wie moderne Finanzkommunikation aussieht. Sie steuert als Social-Media-Managerin den Tiktok-Kanal des Verbraucherportals Finanztip. Dabei steht sie nicht nur hinter, sondern auch vor der Kamera. Sie greift Fragen direkt auf, thematisiert Alltagssituationen rund ums Geld und verpackt das Ganze klar, verständlich – und mit einem guten Schuss Humor.
Sogenannte „Finfluencer“ wie Richtsteiger erreichen oft Hunderttausend Follower – und erzielen damit eine größere Reichweite als viele traditionelle Medienkanäle.
Laut einer Umfrage der Finanzdienstleistungsaufsicht Bafin unter Angehörigen der Generation Y und Z – also Menschen im Alter von 18 bis 45 Jahren – haben sich rund 50 Prozent der Befragten bereits Finanzinformationen über Finfluencer beschafft. „Erwachsene zwischen 18 und 45 Jahren informieren sich zunehmend in sozialen Netzwerken über Finanzen“, sagt Kim Wörner von der Berliner Agentur Joli Consulting.
Das Volumen an Finanzinhalten in sozialen Medien hat stark zugenommen. Allein auf der Plattform Tiktok hat sich die Zahl der Beiträge mit dem Hashtag #finanztipps in den vergangenen zwei Jahren mehr als verdreifacht.
Komplexe Finanzthemen verständlich darstellen
Das Erfolgsgeheimnis dieser digitalen Meinungsmacher: „Sie vereinfachen komplexe Finanzthemen und machen das Investieren zugänglicher“, sagt Karl im Brahm, CEO des Softwareanbieters Objectway für die DACH-Region. Er findet es auf der einen Seite positiv, dass junge Menschen über digitale Kanäle einen Einstieg ins Thema finden.
Gleichzeitig warnt er jedoch davor, dass viele Empfehlungen nicht professionell geprüft seien. So erhielten viele Finfluencer finanzielle Anreize durch Sponsoring – häufig ohne diese transparent offenzulegen. Das wirft Fragen zur Objektivität der Inhalte auf.
Transparenz bei Empfehlungen entscheidend
Die Forderung von im Brahm ist klar: „Wenn ein Finfluencer für seine Empfehlungen bezahlt wird, muss das für die Nutzer deutlich erkennbar sein.“ Nur so könnten Anleger die Motivation hinter einer Empfehlung richtig einordnen. Dass dies notwendig ist, zeigt die Wirkung solcher Empfehlungen: 57 Prozent der Nutzer, die über einen Finfluencer-Link investierten, kauften das empfohlene Produkt direkt, wie die Bafin-Umfrage zeigt.
Diese Zahlen unterstreichen nicht nur die Wirksamkeit der Formate auf den sozialen Netzwerken, sondern auch das enorme Potenzial, das soziale Netzwerke für Banken und Finanzdienstleister bieten.
Viele Menschen fühlen sich bei Finanzthemen überfordert oder unsicher. Erfolgreiche Finfluencer begegnen dieser Unsicherheit mit einem zielgruppenorientierten Ansatz: „Sie entwickeln ihre Inhalte aus den Fragen, Wünschen und Alltagserfahrungen ihrer Community – und bereiten diese anschaulich und verständlich auf“, sagt Wörner. Damit können sie viele Menschen erreichen. Das zeige, wie sehr sich das Informationsverhalten gewandelt habe: „Menschen wollen sich informieren – aber nicht über trockene Fachtexte, sondern über Inhalte, die unterhaltsam, authentisch und lebensnah sind.“
Finanzdienstleister können von Finfluencern lernen
Auch etablierte Finanzinstitute können von diesen digitalen Kommunikatoren lernen: „Indem Banken und Finanzunternehmen mit Finfluencern zusammenarbeiten oder deren Kommunikationsstil adaptieren, können sie ihre Reichweite deutlich ausbauen“, sagt im Brahm.
Gleichzeitig stelle sich aber die Frage nach der inhaltlichen Qualität: „Vertrauen und Glaubwürdigkeit sind essenziell – Finanzinhalte müssen fundiert, transparent und regelkonform sein.“
Eine ausgewogene Strategie, die moderne Social-Media-Formate mit fundiertem Expertenwissen kombiniert, kann helfen, jüngere Zielgruppen zu erreichen und langfristige Kundenbeziehungen aufzubauen – ohne dabei an professionellen Standards einzubüßen.
Wenn ein Finfluencer für seine Empfehlungen bezahlt wird, muss das für die Nutzer deutlich erkennbar sein.
[](https://www.linkedin.com/in/karl-im-brahm/)### Karl im Brahm
CEO DACH Region, Objectway
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[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
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[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
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4 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Article
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---
### [Der Umbruch in der Finanzbranche](https://objectway.com/der-umbruch-in-der-finanzbranche/)
**Published:** April 14, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Der Finanzsektor steht vor tiefgreifenden Veränderungen, die durch technologische Innovationen und neue Vorschriften gekennzeichnet sind.
**Content:**
[](/news/)
View all News
# Der Umbruch in der Finanzbranche
14\. April 2025 – Die Finanzbranche steht vor tiefgreifenden Veränderungen, die nicht nur durch technologische Innovationen, sondern auch durch neue Regulatorik und steigende Kundenerwartungen geprägt sind. Im Zentrum stehen die Herausforderungen der Digitalisierung, die zunehmende Bedeutung von Cybersecurity und der Druck, wettbewerbsfähig zu bleiben.
Mit 30 Jahren Erfahrung in der Branche möchte ich hier die entscheidenden Trends und Lösungen beleuchten.
Der Markt: Großes Potenzial, enorme Herausforderungen
Deutschland, Österreich und die Schweiz zählen zu den wichtigsten Märkten für Banken und Vermögensverwalter in Europa. Allein in Deutschland gibt es rund 1.400 Banken sowie 700 bis 800 unabhängige Wealth Manager und zahlreiche Asset Manager. Die Vielfalt des Marktes bietet Chancen, doch die Herausforderungen sind erheblich:
- **Veraltete IT-Infrastrukturen:** Viele Banken operieren mit fragmentierten, schwer integrierbaren Systemlandschaften, die Modernisierungsprojekte behindern.
- **Steigende Kosten:** Hohe Budgets werden für regulatorische Anpassungen gebunden, was Innovationen erschwert.
- **Kundenerwartungen:** Kunden fordern zunehmend einfache, personalisierte und mobile Lösungen – Stichwort »Mobile First«.
Besonders der deutsche Markt ist durch seine Struktur von Sparkassen und Genossenschaftsbanken sehr komplex, während die Schweiz und Österreich durch eine hohe Konzentration von Wealth Managern geprägt sind. Das macht die gesamte DACH-Region zu einem dynamischen, aber herausfordernden Umfeld für Anbieter wie Objectway. Diese Dynamik wird durch den Wettbewerb mit Neo-Banken wie Trade Republic, N26 oder Scalable Capital verschärft. Diese Anbieter haben den Vorteil, auf moderne Technologien zu setzen und sich auf spezialisierte Geschäftsmodelle zu fokussieren. Klassische Banken hingegen müssen die Balance zwischen ihrem breiten Produktportfolio und den Anforderungen der digitalen Transformation finden.
Regulatorik als Chance und Herausforderung
Die Regulatorik prägt die Finanzbranche seit der Finanzkrise 2008 und bleibt ein zentraler Treiber für Veränderung. Ein aktuelles Beispiel ist die Einführung von DORA (Digital Operational Resilience Act), wodurch neue Anforderungen an Banken und IT-Dienstleister gestellt werden. Dazu zählen:
- **Erweiterte Prüfungsrechte:** Banken müssen jederzeit die IT-Systeme ihrer Dienstleister auditieren können.
- **Detailliertes Reporting und Monitoring:** Regulatorische Berichte und Sicherheitszertifizierungen wie ISO-Standards sind verpflichtend.
Ein zentraler Aspekt von DORA ist die organisatorische Anpassung: Banken müssen sicherstellen, dass ihre Verträge den neuen Prüfungsrechten entsprechen. Dienstleister wie Objectway integrieren daher Compliance-Standards direkt in ihre Lösungen, einschließlich regelmäßiger Penetrationstests und umfassendem Monitoring. So können sich Kunden sicher sein, dass ihre Vermögenswerte unter höchsten Sicherheitsstandards verwaltet werden. Auch für uns bei Objectway bedeutet das eine Verpflichtung, umfassende Sicherheits- und Compliance-Lösungen bereitzustellen. Dennoch ist die Umsetzung von DORA in der Praxis mit hohem bürokratischem Aufwand verbunden, was von einigen Unternehmen kritisch gesehen wird. Es ist wichtig, diese Regulierungen nicht nur als Pflichtaufgabe, sondern als Chance zu betrachten. Sie stärken nicht nur die Widerstandsfähigkeit der Finanzinfrastruktur, sondern fördern auch die Cybersecurity – ein Thema, das in der zunehmend digitalisierten Welt unverzichtbar ist.
Cybersecurity: Abwehrstrategien gegen neue Bedrohungen
Mit der Digitalisierung wächst auch die Bedrohung durch Cyberangriffe. Banken sind besonders im Fokus von Angreifern, da sie Vermögenswerte verwalten. Gerade in Phasen wie der Black Friday Week sehen wir vermehrt koordinierte Cyberangriffe, die gezielt auf Kundendaten oder Bankensysteme abzielen. Es ist entscheidend, nicht nur die Systeme, sondern auch die Kunden besser zu informieren, um die Auswirkungen solcher Angriffe zu minimieren.
Die heutigen Sicherheitsmaßnahmen in der Branche sind bereits auf einem hohen Niveau. Dennoch ist es entscheidend, regelmäßig in neue Technologien und Schulungen zu investieren. Black Friday, Phishing-Attacken oder gezielte Angriffe auf Kundendaten sind Beispiele für die zunehmende Komplexität der Bedrohungen.
Ein Ansatzpunkt für mehr Sicherheit sind Cloud-Technologien, die durch zentralisierte Sicherheitsstandards eine höhere Resilienz bieten können. Sie ermöglichen es, Sicherheitsupdates und Protokolle schneller bereitzustellen. Gleichzeitig sollten Banken eine schrittweise Migration anstreben, um Stabilität zu gewährleisten und regulatorische Vorgaben, wie sie von der BaFin definiert werden, einzuhalten.
Technologie als Motor der Transformation
Die Geschwindigkeit, mit der Technologien heute adaptiert werden, ist beispiellos. Während das Telefon Jahrzehnte brauchte, um sich durchzusetzen, gelang es dem Internet in nur sieben Jahren. Moderne Technologien wie künstliche Intelligenz (KI) oder Blockchain entfalten heutzutage deutlich schneller eine spürbare Wirkung als frühere Innovationen.
- **Cloud-Transformation:** Der Trend geht eindeutig in Richtung Software as a Service (SaaS). Banken lagern immer mehr IT-Dienstleistungen aus, um sich auf ihre Kernkompetenzen wie die Kundenbetreuung zu konzentrieren. Sie setzen zunehmend auf Dienstleister, die komplette Services anbieten, einschließlich Sicherheit und regulatorischer Anforderungen. Diese Cloud-Lösungen reduzieren den internen Aufwand und ermöglichen es den Banken, sich stärker auf ihre Markt- und Kundenbearbeitung zu konzentrieren.
- **Künstliche Intelligenz (KI):** KI hat das Potenzial, die Effizienz in vielen Bereichen zu steigern: von der Automatisierung von Prozessen im Backoffice bis hin zur Analyse von Kundendaten. Besonders im Kundenservice sorgen Chatbots und virtuelle Assistenten für eine schnelle und präzise Bearbeitung von Anfragen. Auch die Betrugsprävention profitiert von den datenbasierten Analysen der KI. Natural Language Processing (NLP), eine spezifische Anwendung der KI, wird zunehmend im Kundenservice eingesetzt. Es hilft Banken, Kundenfeedback zu analysieren und Vertragsdaten effizienter zu verarbeiten.
- **Personalisierte Angebote:** Die Erwartungen der Kunden steigen. Sie wollen individuelle, auf ihre Bedürfnisse zugeschnittene Angebote, die schnell und einfach verfügbar sind. KI kann helfen, diese Anforderungen zu erfüllen, indem sie Kundendaten analysiert und Hyperpersonalisierung ermöglicht.
Wettbewerbsvorteile durch Innovation
Neo-Banken und Fintechs setzen mit ihrer kundenorientierten »Mobile First«Strategie und spezialisierten Produktangeboten traditionelle Banken unter Druck. Klassische Banken können jedoch von diesem Ansatz lernen und profitieren, indem sie sich auf die Verbesserung der Kundenerfahrung konzentrieren. Dabei können sie ihre Stärken in Bezug auf regulatorische Anforderungen und Sicherheitsstandards als Wettbewerbsvorteil nutzen, um das Kundenvertrauen zu stärken.
Blick in die Zukunft: Blockchain, Quantum Computing und DeFi
Die nächsten Jahre werden von weiteren technologischen Innovationen geprägt sein. Drei Trends stechen dabei besonders hervor:
- **Blockchain:** Die Blockchain-Technologie bietet neue Möglichkeiten, Vermögenswerte zu tokenisieren und Prozesse im Zahlungsverkehr zu optimieren. Während Kryptowährungen wie Bitcoin bereits etabliert sind, wird die Technologie auch in anderen Bereichen des Bankings eine größere Rolle spielen. Ein zentraler Vorteil der Blockchain ist die Möglichkeit, Vermögenswerte als digitale Token abzubilden. Diese Tokenisierung könnte Banken als Vermittler in bestimmten Bereichen ersetzen, während sie gleichzeitig neue Geschäftsmodelle ermöglicht.
- **Quantum Computing:** Quantum Computing ermöglicht es, große Datenmengen in Echtzeit zu analysieren. Banken könnten diese Technologie nutzen, um Risiken besser zu bewerten, Marktdaten effizienter zu verarbeiten und Portfolios zu optimieren. Gleichzeitig bringt Quantum Computing Herausforderungen im Hinblick auf Nachhaltigkeit mit sich, da die immense Rechenleistung hohe Energiebedarfe erfordert. Es bleibt abzuwarten, wie sich diese Balance in Zukunft entwickelt.
- **Dezentrale Finanzsysteme (DeFi):** DeFi könnte Banken als Intermediäre in bestimmten Bereichen ersetzen. Durch direkte Transaktionen zwischen Kunden werden neue Geschäftsmodelle möglich, die traditionelle Banken herausfordern.
Fazit: Agilität als Erfolgsfaktor
Die digitale Transformation der Finanzbranche ist eine Herausforderung, aber auch eine immense Chance. Institute, die bereit sind, neue Technologien zu adaptieren und ihre Strategien anzupassen, können neue Wachstumsfelder erschließen. Die Zukunft gehört denjenigen, die nicht nur auf technologische Innovationen setzen, sondern auch auf Vertrauen, Sicherheit und Kundennähe.
Die digitale Transformation der Finanzbranche ist eine Herausforderung, aber auch eine immense Chance. Institute, die bereit sind, neue Technologien zu adaptieren und ihre Strategien anzupassen, können neue Wachstumsfelder erschließen.
[](https://www.linkedin.com/in/karl-im-brahm/)### Karl im Brahm
CEO DACH Region, Objectway
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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---
### [KI-Boom in Banken – so bleiben sensible Kundendaten sicher](https://objectway.com/ki-boom-in-banken-so-bleiben-sensible-kundendaten-sicher/)
**Published:** April 17, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Der Finanzsektor steht an einem Wendepunkt: Vertrauen war schon immer die unverzichtbare Grundlage, aber im Zeitalter der KI wird dieser Faktor wichtiger denn je.
**Content:**
[](/news/)
View all News
# KI-Boom in Banken – so bleiben sensible Kundendaten sicher
17\. April 2025 – Der Einsatz Künstlicher Intelligenz (KI) verändert die Anforderungen an Datenschutz und Cybersicherheit im Finanzsektor. Mit dem zunehmenden Fortschritt der Technologie wird der Schutz sensibler Daten immer anspruchsvoller. Um dieser Herausforderung zu begegnen, arbeiten viele Vermögensverwalter zunehmend mit Fintechs zusammen. Bei der Wahl des richtigen Technologiepartners rücken nun neue Kennzahlen in den Fokus.
Der Finanzsektor steht an einem Wendepunkt: Vertrauen war schon immer die unverzichtbare Grundlage für den Umgang mit Milliardensummen und hochsensiblen Kundendaten – doch im Zeitalter der Künstlichen Intelligenz wird dieser Faktor wichtiger denn je.
Die Technologie ist längst tief in der Branche etabliert: Laut der Global Benchmark Study 2024 fließt bereits ein Drittel der Budgets für digitale Transformation in KI-Technologien wie maschinelles Lernen und generative KI (GenAI). Doch mit ihrer zunehmenden Verbreitung steigen auch die Risiken. „Intelligente“ Cyberangriffe nehmen zu und die Sicherheitsarchitektur der Finanzwelt gerät zunehmend unter Druck. In einer PwC-Umfrage aus dem Jahr 2024 gaben mehr als die Hälfte der befragten Vermögensverwalter an, dass disruptive Technologien ihre Sicherheitsstrategien erheblich beeinflussen.
Gleichzeitig steigen die Anforderungen an den Datenschutz, da große Mengen sensibler Daten verarbeitet werden und komplexe Systeme die Transparenz von Entscheidungen erschweren. Um diese Herausforderungen zu meistern, setzen immer mehr Banken auf Fintech-Partnerschaften – inzwischen auch fast die Hälfte der etablierten Institute. Bei der Wahl eines Digitalisierungspartners sind Sicherheitsmaßnahmen, Compliance, Skalierbarkeit und die Reputation des Anbieters bisher entscheidend gewesen. Mit der wachsenden Nutzung von KI rücken jedoch nun neue Standards in den Fokus: Privacy-by-Design, maximale Systemverfügbarkeit und die Minimierung von Drittparteirisiken sind wichtiger denn je. IT-Manager und Entscheidungsträger müssen diese Faktoren strategisch berücksichtigen, um den richtigen Technologiepartner zu wählen und die digitale Transformation zu ihrem Vorteil zu nutzen.
Banken müssen das Sicherheitsdilemma beim Einsatz von KI lösen
KI eröffnet neue Möglichkeiten für Vermögensverwalter – von personalisierten Finanzdienstleistungen bis hin zu präzisen Analysen. Die Innovation hat jedoch ihren Preis: KI-Modelle benötigen große Mengen an sensiblen Kundendaten, die nicht nur gespeichert, sondern auch über lange Zeiträume aufbewahrt und kontinuierlich aktualisiert werden müssen. Genau hier liegt die Herausforderung: Je mehr Daten verarbeitet werden, desto größer ist das Risiko von Datenschutzverletzungen, Cyberangriffen und regulatorischen Verstößen.
Mit der rasanten Verbreitung von KI stehen Banken vor einem Balanceakt zwischen technologischer Innovation und der Einhaltung strenger Datenschutzbestimmungen. Der Ansatz für solche Initiativen ist, die Datenschutzbestimmungen stets zu priorisieren. Das bedeutet, dass jedes KI-System nach dem Privacy-by-Design-Prinzip entwickelt werden muss. Personenbezogene Daten (Personally Identifiable Information) müssen aus den Trainingsdaten entfernt oder anonymisiert werden. Ist eine Anonymisierung nicht möglich, sollte die KI-Architektur so gestaltet werden, dass der Datenschutz gewährleistet ist, indem beispielsweise externe KI-Dienste von großen Anbietern sorgfältig evaluiert werden und in bestimmten Fällen lokal gehostete Open-Source-Modelle bevorzugt werden. Die Methode basiert auf der Tatsache, dass Datenschutzbestimmungen den Einsatz von technologischen Innovationen bestimmen – nicht umgekehrt. Banken sollten mit einem Finanzdienstleister zusammenarbeiten, der sich strikt an dieses Prinzip hält.
Systemverfügbarkeit als zentrale Kennzahl
Die neue Generation von Anlegern erwartet von Finanzinstituten nicht nur Personalisierung und Schnelligkeit, sondern auch eine nahtlose 360-Grad-Betreuung. Daher müssen Banken IT-Systeme bereitstellen, die das wachsende Transaktionsvolumen zuverlässig bewältigen können. Ein wichtiges Kriterium für die Auswahl des richtigen Technologiepartners ist die Systemverfügbarkeit. Unser größter Kunde verwaltet einen Kundenstamm im oberen Millionenbereich und ein jährliches Transaktionsvolumen im dreistelligen Millionenbereich, mit Spitzenbelastungen von etwa 200 bis 300 Transaktionen pro Sekunde. Viele Banken unterschätzen jedoch einen entscheidenden Aspekt: Die richtige API-Strategie ist entscheidend, um die Systemverfügbarkeit auch bei hoher Belastung sicherzustellen. Sie muss auf einer Kombination aus synchronen und asynchronen Schnittstellen beruhen.
Für Echtzeitanwendungen wie Webbanking oder Front-Office-Systeme benötigen Banken eine schnelle und effiziente Kommunikation zwischen den Systemen. Hier können synchrone APIs verwendet werden, die Daten schnell senden und empfangen und so eine reibungslose Leistung und kurze Antwortzeiten gewährleisten. Für Prozesse, die keine sofortige Antwort erfordern, sind asynchrone APIs mit Nachrichtenwarteschlangen zu empfehlen. Diese ermöglichen es den Systemen, Anfragen im Hintergrund zu verarbeiten, was einen reibungslosen Ablauf auch bei hoher Arbeitslast gewährleistet. Auf diese Weise kann eine hohe Systemverfügbarkeit erreicht werden.
Sicherheit geht nur mit Transparenz
Nicht nur interne Datenlücken, sondern auch externe Bedrohungen setzen die Finanzinstitute zunehmend unter Druck. Cyber-Resilienz – die Fähigkeit, Angriffe schnell abzuwehren und sich davon zu erholen – ist heute eine Grundvoraussetzung für die Zusammenarbeit zwischen Banken und Fintechs. Die Lösungen müssen regelmäßige Penetrationstests, Incident-Response-Frameworks und Datensicherungssysteme umfassen. Zugleich setzen immer mehr Finanzinstitute auf Cloud-Lösungen.
Laut einer KPMG-Studie aus dem Jahr 2023 gaben 63 Prozent der befragten Finanzunternehmen an, dass sie neue IT-Projekte lieber in der Cloud umsetzen. Mit dieser Entwicklung wächst aber auch die Nachfrage nach mehr Transparenz bei den Finanzinstituten. In welchem Land befinden sich die Server, auf denen die Kundendaten gespeichert sind, und was bedeutet das für die Regulierung? Welche Sicherheitsmaßnahmen ergreifen die von den Fintechs genutzten Drittplattformen? Die Banken erwarten klare Antworten und höchste Standards. Dies ist besonders wichtig für international aktive Finanzinstitute. Sie brauchen Technologiepartner mit grenzüberschreitender regulatorischer Expertise. Wichtig ist daher eine Kooperation mit lokalen Experten, darunter Beratungsunternehmen und Anwaltskanzleien. Diese werden dann über ein zentrales Compliance-Team koordiniert.
Zusammenfassend lässt sich also sagen, dass die Risiken durch neue Technologien wie KI wachsen, aber die Chancen überwiegen. Wer die richtigen Partner wählt, bleibt wettbewerbsfähig und kann die digitalen Innovationen sicher nutzen.
Zusammenfassend lässt sich also sagen, dass die Risiken durch neue Technologien wie KI wachsen, aber die Chancen überwiegen. Wer die richtigen Partner wählt, bleibt wettbewerbsfähig und kann die digitalen Innovationen sicher nutzen.
[](https://www.linkedin.com/in/karl-im-brahm/)### Karl im Brahm
CEO DACH Region, Objectway
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4 September 2026
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---
### [Advisor-friendly tech developments not limited to AI](https://objectway.com/advisor-friendly-tech-developments-not-limited-to-ai/)
**Published:** April 11, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** While AI has rapidly become an invaluable tool for advisors, a wide range of tech development, have largely flown under the radar.
**Content:**
[](/news/)
View all News
# Advisor-friendly tech developments not limited to AI
11th April 2025 – All-in-one desktops, low-code products bolstering advisor capabilities says innovation director.
Since AI burst into the wealth management world in 2022, it has become nearly inseparable from any discussion surrounding technology. But while AI has rapidly become an invaluable tool for advisors, a wide range of tech development, such as low-code development and all-in-one advisor desktops have largely flown under the radar.
While AI has proven extremely useful to wealth management, Georgios Lekkas, innovation director at Objectway, says that combining AI with less headline-producing technologies is the best way forward for firms. Lekkas suggests that not all advisor-related challenges can be addressed by AI, emphasizing the need for advisors to be flexible with their technology implementation.
“We don’t view AI in isolation but as one of many tools in our innovation toolbox. We adopt a solution design approach that prioritizes our clients’ business goals over the hype of individual technologies,” Lekkas said in an emailed statement. “Sometimes AI is the right fit; other times, it’s a combination of advanced analytics, automation, or platform enhancements. The key is flexibility and purpose-driven innovation that we pursue through our solution design approach, not only tech for tech’s sake.”
The addition of all-in-one desktops has allowed advisors to skirt menial administrative tasks according to Lekkas, who suggests the desktops free advisors’ time to focus on working with clients, adding to their productivity.
While traditional CRM software is still a key aspect of maintaining close relationships with clients, Lekkas says the all-in-one desktop also streamlines the workflows of advisors.
“Today, increasing advisor productivity alone is not enough to meet client demand for personalized service,” he said. “Increasing advisors’ capacity to serve more clients and develop a deeper understanding of existing clients’ needs is critical to sustaining profitable growth.”
Low-code platforms has been another key addition to advisors’ repository according to Lekkas, who emphasizes the simplicity of the product and its ability to extract client information from documents which would take hours to scan through manually.
“We’ve developed a project for a client where we used low-code to orchestrate a workflow on top of the client’s existing platforms to provide a comprehensive view of the client’s portfolio by analyzing a variety of documents and extracting useful information about the portfolio from them.”
Lekkas says he has seen plenty of success from a hybrid digital advice model, where AI services is used in tandem with human expertise. Employing hybrid digital advice provides flexibility for a wide variety of client needs according to Lekkas, with some clients looking for lighter advisor involvement and others seeking a more hands-on approach. He specifically identifies younger clients as a group that benefits from the hybrid model, as they are often more attracted to the self-service resource.
“Hybrid digital advice tools offer clients alternative ways to engage with advisors, creating personalized financial plans and investment management solutions. These tools can be client-directed, advisor-assisted, or fully advisor-led, depending on client needs,” he said. “This flexibility also meets the growing demand for hybrid engagement, particularly among younger clients who prefer a blend of self-service and advisor support.”
Unlike a standard advisor desktop, an all-in-one advisor desktop platform provides a comprehensive view of client data and engagement. Most importantly, it reduces advisors’ participation in mundane, low-value activities and enables them to focus on higher-value-added work such as client relationships.
[](https://www.linkedin.com/in/glekkas/)### Georgios Lekkas
Innovation Director, Objectway
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### [Objectway takes centre-stage at upcoming FIBE Conference in Berlin9th - 10th April 2025](https://objectway.com/objectway-takes-centre-stage-at-upcoming-fibe-conference-in-berlin/)
**Published:** April 3, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Let’s connect at FIBE Conference in Berlin and get ready to meet up with Karl im Brahm, CEO DACH Region, to discover how to democratize wealth management.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway takes centre-stage at upcoming FIBE Conference in Berlin
9th – 10th April 2025 – Let’s connect at FIBE Conference in Berlin and get ready to meet up with our Karl im Brahm, CEO DACH Region, to discover what’s really needed to democratize wealth management.
## Agenda
Wednesday, 9th April 2025
11:10 – 11:25 AM
Späti Stage
Neo-Banks and neo-brokers: The Späti of Finance?
Karl im Brahm, CEO DACH Region, Objectway
The FIBE Conference comes to be an unmissable occasion to delve into the most cutting-edge topics that are reshaping the financial landscape. The Conference is designed for creating interactive formats and exchange at eye-level between the audience and top speakers.
Objectway is delighted to take part to this exceptional, out-of-the box and international event format, that connects relevant players to transfer knowledge. Berlin stands as the perfect backdrop for showcasing the latest trends and developments in the financial industry and our **Karl im Brahm, CEO DACH Region**, will be glad to share some thoughts on what might seem like an unusual comparison at first: neo-banks, neo-brokers and Berlin’s beloved Späti.
Nowadays, neo-banks and neo-brokers are removing barriers, extending hours to 24/7 through digital channels, and creating inclusive spaces where financial services become accessible to everyone, not just the privileged few. But this democratization of wealth management requires four essential ingredients:
- The right Technology, delivering that feeling of personalization at scale
- Trust, that needs to be earned incrementally
- The Regulatory piece, finding ways to turn compliance into a competitive advantage
- Scalability, ensuring sustainable growth and efficiency
Objectway strongly believes that the democratization of wealth management isn’t just a business opportunity, but rather a social imperative: helping more people build and preserve wealth. The future of finance passes through bringing together the best of traditional and innovative approaches to create something better than either could achieve alone.
**[Register now to secure your place](https://www.fibe-berlin.com/en/visit/tickets/)** and get ready to be part of FIBE 2025!
## Event Information
9th – 10th April 2025, CityCube Berlin, Messedamm 22, 14055 Berlin, Germany
We’re looking forward to meeting you in Berlin!
## Speakers
Karl im Brahm
Karl leads the German-speaking Private Banking and Wealth Management Markets as Objectway CEO DACH Region and Banking Practice Leader. He brings more than 28 years of experience in the Banking Sector, with with a deep-rooted experience in delivering digital transformation projects and supervising Client Management and Business Development teamworks. He has gained a Business Degree from University of Bonn in 1993.
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7 September 2026
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---
### [Objectway and EBRC welcome you to their next joint event17th October 2023](https://objectway.com/objectway-and-ebrc-welcome-you-to-their-next-joint-event/)
**Published:** October 15, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway and EBRC will be delighted to meet you to in Luxembourg to discuss future challenges and perspectives of Wealth, Asset and Banking Management.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway and EBRC welcome you to their next joint event
17th October 2023 – Objectway and EBRC will be delighted to meet you at the EBRC headquarter in Luxembourg for a Learn & Lunch Session!
## Agenda
17th October 2023
11:30 – 13:30
EBRC and Objectway Learn & Lunch Session | Strategic Insights: Optimizing Asset and Wealth Management
11:30
Opening greetings
12:00 – 12:15
Welcoming words by EBRC and Objectway and Degroof Petercam Asset Services introduction
12:15 – 12:45
Objectway and Degroof Petercam Presentation: Strategic Insights with Degroof Petercam: Optimizing Asset and Wealth Management
Kurt Vanhee, Objectway Managing Director Continental Europe and North America
Sylvie Huret, Degroof Petercam Asset Services CEO
12:45 – 13:15
Live demonstration: learn the solution implemented by Degroof Petercam
Journey on Objectway Solutions & Services
Koen Goossens, Objectway Senior Client Solution Leader
13:15 – 13:30
Q&A Session
13:30
Networking & Walking Lunch
The event will bring together industry experts, thought leaders and professionals to share insights and best practices in a constantly **evolving business landscape.**
Find out more about the **[partnership between Objectway and EBRC](https://objectway.com/partner-ebrc/)** for **ensuring business continuity** and granting cyber-resilience of IT services.
For further information about the event registration [click here](https://www.eventbrite.fr/e/strategic-insights-asset-services-redefined-tickets-685639374827?aff=oddtdtcreator) or write an e-mail to and we will be happy to provide you more details about this!
## Event Information
Tuesday, 17th October 2023, EBRC, 19/23 rue Jean Fischbach, 3372 Leudelang, Luxembourg
We’re looking forward to meeting you in Luxembourg!
## Speakers
Kurt Vanhee
With a professional career of nearly 30 years in various roles in large and medium size banking and IT organizations, Kurt has built a strong knowledge of Wealth Management, IT, Customer Delivery and Business Development activities in an international environment. In his current position at Objectway, as Managing Director Continental Europe & North America, he encourages a customer-centric approach.
Koen Goossens
Koen holds a master’s degree in Business Economics, specialised in Information Technology. He has been working in the banking industry for over 30 years, more specifically in the securities area. In his current position of Senior Client Solution Leader at Objectway, Koen provides presales product demonstrations and workshops.
Sylvie Huret
Sylvie has been appointed CEO of Degroof Petercam Asset Services with effect from 1 April 2021. She began her career at Petercam in 1994, where she acquired solid experience in Asset Services. She was Chief Financial Officer and member of Petercam’s Management Committee until the merger between Degroof and Petercam in 2015. From 2016 to March 2021, she was Chief Financial Officer of Banque Degroof Petercam Luxembourg and a member of the Management Committee.
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---
### [Objectway Named an Awardee in the 2025 Wealth Professional Awards for WealthTech Service Provider of the Year!](https://objectway.com/objectway-named-an-awardee-in-the-2025-wealth-professional-awards-for-wealthtech-service-provider-of-the-year/)
**Published:** April 3, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway, a global leader in WealthTech solutions, is proud to announce it has been recognized as an awardee for the 2025 Wealth Professional Awards.
**Content:**
[ 
View all News
](/news/)
# Objectway Named an Awardee in the 2025 Wealth Professional Awards for WealthTech Service Provider of the Year!
Toronto, 3rd April 2025 – Objectway, a global leader in WealthTech solutions, is proud to announce it has been recognized as an awardee for the 2025 Wealth Professional Awards in the prestigious WealthTech Service Provider of the Year category. This recognition comes shortly after Objectway’s launched its operations in Canada, and is a testament to the company’s growing track record in the region, client confidence, and commitment to bringing its proven expertise to the continent.
The WealthTech Service Provider of the Year award celebrates individuals and organizations operating in Canada that have consistently demonstrated innovation, a unique value proposition, and exemplary service within the advisory, financial planning and wealth management industry. As an awardee, Objectway has been recognized for its ability to stay ahead of the curve, providing transformative solutions that enhance client engagement, advisor and investment management.
The winners of the 2025 Wealth Professional Awards will be announced at a highly anticipated ceremony later this year. Objectway looks forward to celebrating with fellow awardees and industry leaders as it continues its mission to revolutionize the WealthTech landscape.
We are honored to be named an awardee for the Wealth Professional Awards, reaffirming Objectway’s position as an industry leader in innovation and service excellence. This recognition underscores our committment to empowering financial professionals with cutting-edge technology and insights to shape the future of wealth management.
[](https://www.linkedin.com/in/luigi-marciano-66b9538/)### Luigi Marciano
Group CEO, Objectway
A Commitment to Innovation and Excellence
As a global TOP-100 FinTech provider (IDC), Objectway administers over CAD$1.45 trillion in assets, supporting more than 100,000 investment professionals managing over $1 trillion AUM for five million investors. With revenue surpassing $185 million in FY2024 and a client base of 250+ organizations across 15 countries, Objectway drives digital transformation and operational excellence in the wealth management sector. Backed by a global team of nearly 850 professionals, the company delivers future-proofed, cloud-first solutions that meet the evolving needs of some of Canada’s top banks, custodians, and independent wealth managers.
Objectway’s integrated Digital Wealth Solution enables financial institutions to provide personalized, scalable, and compliant wealth services. Through a comprehensive range of innovative SaaS software and business process services, the company helps optimizing operational costs while elevating the client experience.
Objectway offers Canadian clients a full suite of capabilities supporting digital transformation across their value chain and technology ecosystem. Leveraging a cloud-first approach and a robust catalog of integrated APIs, Objectway’s solutions provide flexibility and efficiency. This allows financial institutions to leverage operational models that reduce complexity and costs while ensuring seamless digital experiences for their clients.
As a trusted partner with expertise in UX, omni-channel configurations, and AI-enabled solution for improved productivity and superior client service, Objectway supports diverse service models – including self-service, hybrid/full advice, and discretionary solutions – helping financial professionals deliver high-quality, personalized services at scale.
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7 September 2026
## Sign Up for our Newsletter
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Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Awards
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---
### [Objectway to sponsor Annual Digital Integration in Wealth Management in London19th - 20th March 2025](https://objectway.com/objectway-to-sponsor-annual-digital-integration-in-wealth-management-in-london/)
**Published:** March 17, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** We are proud to announce Objectway attendance at 9th Annual Digital Integration in Wealth Management Conference by Arena International. Join us in London.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway to sponsor Annual Digital Integration in Wealth Management in London
19th – 20th March 2025 – We are proud to announce Objectway attendance at 9th Annual Digital Integration in Wealth Management Conference by Arena International. Join us in London!
## Agenda
Wednesday, 19th March 2025
10:10 – 10:30 AM
How Will Innovation Impact The Future of Wealth Management?
Tariq Khan, Client Development Director, Objectway
In an industry where client demands are increasing, wealth managers face the complex task of balancing operational efficiency with comprehensive service offerings. **Tariq Khan, Objectway’s Client Development Director**, will share his view on how today’s wealth managers need to rethink their operating models.
Showcasing real case studies, our keynote speaker will underline how a systematic, holistic approach that prioritises projects based on tangible outcomes – targeting both internal efficiency and client-facing improvements – has proven most effective. In his speech, will uncover the future strategies to be adopted by wealth managers in order to meet the clients’ demand and lead the industry with an adaptable and scalable business model.
Tariq’s speech will be focused on:
- What are the main drivers and challenges faced by WM firms?
- What do end clients want?
- Case study to show what is possible through system change – What does good look like?
Seize the opportunity to meet us and discover how we can help you achieve end-to-end digital transformation to a digitally enabled, hyper-personalised, scalable business model.
[Register now to reserve your spot!](https://www.eventsonlineregister.com/tc-events/digital-integration-in-wealth-management-2025/)
## Event Information
Wednesday, 19th March 2025 – etc. venues, 155 Bishopsgate London, UK
We’re looking forward to meeting you in London!
## Speakers
Tariq Khan
Tariq is Client Development Director at Objectway and he leads the Business Development and Account Management teams. Tariq is passionate about Wealth management sector and has been working with Wealth Managers for over 15 years, with the prime focus on delivering outstanding client outcomes. He and his team try and achieve this by forming long term partnerships with firms and enabling them to improve their user and end client experience, operational efficiency, and become future ready through Objectway’s digital solutions. Tariq studied Physiology at Kings College London and he holds the Islamic Finance Qualification.
## Related
[All](#)[\#customerexperience](#)[\#oneobjectway](#)[\#portfoliomanagement](#)[\#sponsor](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
Yes, I want to receive updates about Objectway events and products. I have read and agree with the [Privacy Policy & Terms of Use]()
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**Categories:** Event
**Tags:** #client-relationship, #clientexperience, #customerexperience, #digitaltransformation, #financialservices, #fintech
---
### [Objectway to sponsor Compeer’s WealthTech 202526th March 2025](https://objectway.com/objectway-to-sponsor-compeers-wealthtech-2025/)
**Published:** March 23, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Join Objectway at WealthTech 2025 by Compeer. The Conference will feature industry experts to delve into the evolving role of AI in wealth management.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway to sponsor Compeer’s WealthTech 2025
26th March 2025 – Join Objectway for this annual event. The Conference will feature senior executive and industry experts to delve into the evolving role of AI in wealth management.
## Agenda
Wednesday, 26th March 2025
15:00 – 18:00
WealthTech 2025: Unlocking the value of automation
Tariq Khan, Client Development Director, Objectway
The strong hype around AI technologies across the UK wealth management industry is fuelled by its immense potential to transform business. However, most leaders are taking a grounded approach to its adoption. At upcoming WealthTech, Compeer will explore how technological advancements can facilitate improved automation and streamline administrative tasks.
Through panel discussions and dedicated insights, senior executives and leading tech providers will showcase how AI is becoming an integral part of wealth management, presenting statistical insights to demonstrate the tangible benefits of strengthening operations.
Starting from the results deriving from the **Objectway & PAM Digital Report, Tariq Khan, Objectway’s Client Development Director**, will highlight how almost all UK wealth management firms are keen to integrate AI into their operations. This strong interest reflects AI’s potential to significantly improve decision-making and drive innovation within the sector.
Complete your registration **[following this link](https://compeer.co.uk/event/wealthtech-2025-unlocking-the-value-of-automation/)** and a member of the Compeer team will then be in touch shortly.
## Event Information
Wednesday 26th March 2025, BNY Pershings’s offices, 160 Queen Victoria Street, London, EC4V 4LA
Seize the opportunity to come and meet us!
There is no charge for this event for representatives of wealth management firms and private banks. A charge of £300 + VAT applies for service providers.
CPD certificates will be issued shortly after the event.
We’re looking forward to meeting you in London!
## Speaker
Tariq Khan
Tariq is Client Development Director at Objectway and he leads the Business Development and Account Management teams. Tariq is passionate about Wealth management sector and has been working with Wealth Managers for over 15 years, with the prime focus on delivering outstanding client outcomes. He and his team try and achieve this by forming long term partnerships with firms and enabling them to improve their user and end client experience, operational efficiency, and become future ready through Objectway’s digital solutions. Tariq studied Physiology at Kings College London and he holds the Islamic Finance Qualification.
## Related
[All](#)[\#compeer](#)[\#customerexperience](#)[\#digitaltransformation](#)[\#wealthmanagers](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
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**Categories:** Event
**Tags:** #compeer, #customerexperience, #digitaltransformation, #wealthmanagers
---
### [Objectway supports Goodacre's City of London Wealth Management Awards 202525th March 2025](https://objectway.com/objectway-supports-goodacres-city-of-london-wealth-management-awards-2025/)
**Published:** March 22, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will sponsor next 2025 COLWMA Edition to celebrate best companies and individuals in UK Wealth Management.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway supports Goodacre’s City of London Wealth Management Awards 2025
25th March 2025 – Objectway will sponsor next COLWMA Edition to celebrate best companies and individuals in UK Wealth Management.
## Agenda
Tuesday, 25th March 2025
18:00 – 23:00
City of London Wealth Management Awards (COLWMA)
Tariq Khan, Objectway Client Development Director
COLWMA recognises and celebrates the high levels of service and quality from the best companies and individuals in UK Wealth Management. These Awards are highly valued and unique: investors themselves vote with an online poll to determine winners.
The City of London Wealth Management Awards Event is the most suitable occasion to network and gain useful insights on the UK Wealth Management companies that are currently evolving under the impacts of several changes, involving personalised customer experience and AI’s upsurge.
For more than 30 years, Objectway has been a global leader in SaaS solutions for wealth management. With more than 200 customers in 15 countries and a team of over 800 experts, Objectway delivers scalable, resilient and compliant solutions that help financial professionals deliver a more efficient, comprehensive and personalised service while driving digital transformation.
## Event Information
Tuesday, 25th March 2025, The Guildhall, Gresham Street, London
To get more information, **[read more here](https://goodacreuk.com/events/forthcoming-events/the-city-of-london-wealth-management-awards-3)** and get ready to reserve your seat!
We’re looking forward to meeting you in London!
## Conference Delegates
Tariq Khan
Tariq is Client Development Director at Objectway – global player offering end-to-end digital-ready solutions for Wealth, Bank & Asset Managers. Tariq has been working with UK wealth managers for over 10 years, with a focus on digital transformation, advising firms on how they can make the most of digital solutions in order to improve their client experience, operational efficiency, and become future ready.
## Related
[All](#)[\#financial-planning](#)[\#financialservices](#)[\#oneobjectway](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Event
**Tags:** #oneobjectway, #sponsor, #wealth-management, #wealth-management-trends, #wealthmanagers
---
### [Objectway Joins the UN Women’s Empowerment Principles to Champion Gender Equality](https://objectway.com/objectway-joins-the-un-womens-empowerment-principles-to-champion-gender-equality/)
**Published:** March 28, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Through the participation in the WEPs network, Objectway is contributing to a broader movement that will shape a more equitable, inclusive, and progressive future for all.
**Content:**
[ 
View all News
](/news/)
# Objectway Joins the UN Women’s Empowerment Principles to Champion Gender Equality
Through the participation in the Women’s Empowerment Principles network, Objectway is contributing to a broader movement that will shape a more equitable, inclusive, and progressive future for all.
Milan, 28th March 2025 – Objectway is proud to announce its official commitment to the Women’s Empowerment Principles (WEPs), a global initiative spearheaded by UN Women and the UN Global Compact. By joining this influential movement, the company is reaffirming its dedication to advancing gender equality and furthering its efforts to build an inclusive, diverse, and equitable workplace.
Objectway fosters a culture that champions innovation, equality, and the transformative value of a diverse workforce, by having taken concrete steps to grow the community of women in fintech within the organisation. Over the years, this community has flourished, attracting exceptional and forward-thinking professionals; in fact, the company has steadily increased its percentage of women, both in its global organisation and in leadership roles, across all the regional hubs in which it operates, from Europe, to the UK and Canada.
This growth is a testament to our ongoing commitment to a future where leadership and opportunities are not constrained by gender. Diversity is not just a core value; it is integral to our identity and culture, fuelling our success and empowering us to create a meaningful impact both within our industry and society at large.
[](https://www.linkedin.com/in/maria-federica-marciano-bb0b4215a/)### Maria Federica Marciano
Chief People & Marketing Officer, Objectway
The Women’s Empowerment Principles consist of seven principles designed to guide businesses in advancing gender equality across the workplace, marketplace, and community. These principles provide a clear framework for creating lasting and positive change, and for activating internal stakeholders through industry-specific practices and recommendations.
Joining the WEPs network strengthens Objectway’s mission to ensure that all employees, regardless of gender, are valued, respected, and supported at every level of our organisation. As transparency and accountability are necessary for companies to uphold their commitment to gender equality, the company also commits to report on its progress in implementing the Women’s Empowerment Principles.
Diversity is the driving force behind innovation, excellence, and success. By embracing the Women’s Empowerment Principles, we are taking a stand for gender equality and reinforcing our role as enablers of change. These principles empower us to break down barriers, foster an inclusive culture, and champion the women who are redefining the financial services industry. Together, we are not just driving innovation — we are shaping a future where every voice is heard, valued, and empowered to lead.
[](https://www.linkedin.com/in/luigi-marciano-66b9538/)### Luigi Marciano
Group CEO, Objectway
## Related
[All](#)[\#compeer](#)[\#customerexperience](#)[\#financialservices](#)[\#markettrends](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
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**Categories:** Press Release
**Tags:** #financialservices, #oneobjectway, #workplace
---
### [Shaping the Future of Wealth Management: Key Trends for 2025 and Beyond](https://objectway.com/shaping-the-future-of-wealth-management-key-trends-for-2025-and-beyond/)
**Published:** February 19, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** The Wealth Mosaic talks to Alberto Cuccu, Objectway's COO, to get his perspective on the key trends that will impact the wealth management industry in 2025.
**Content:**
[](/news/)
View all News
# Shaping the Future of Wealth Management: Key Trends for 2025 and Beyond
19th February 2025 – The Wealth Mosaic Talks To (TWMTT) Alberto Cuccu, Chief Operating Officer at Objectway, to get his perspective on the key trends he believes will impact the wealth management industry in 2025.
For this issue of TWMTT, we caught up with Alberto Cuccu, Chief Operating Officer at Objectway, and asked him to share his thoughts on the major trends he believes will impact wealth management this year.
**TWM:** What are the major trends that you see impacting the financial sector this year?
**Alberto Cuccu:** We see five key trends shaping the ongoing transformation of the industry: the optimisation of client and adviser experiences, adoption of modular architectures, data-driven innovation, the convergence of industries, and a stronger focus on data privacy and compliance.
**TWM:** Where do you think wealth management firms will spend in 2025?
**Alberto Cuccu:** Well, we’re looking at some pretty significant investment across the industry as a whole, with IT spending in the financial sector set to exceed 58 billion USD this year. It’s no great surprise that much of this investment will be in technologies such as generative artificial intelligence (GenAI), with the goal to leverage this technology to revolutionise workflows, data management, and client interactions. At the same time, the generational shift among investors will demand a new level of digitalisation.
**TWM:** How do you think generative AI (GenAI) impact wealth management?
**Alberto Cuccu:** If we take a look at industry demographics, we have seen an ageing population and intergenerational wealth transfer that are driving demand for personalised, holistic financial solutions. At the same time, we also see a new generation of investor emerging, seeking seamless digital experiences and transparent services. The next generation expects innovation, speed, and distinctiveness – wealth managers have to be prepared. Artificial Intelligence (AI) will play an increasingly pivotal role in this development. Studies have shown that 42% of bank clients would rely on AI for major financial decisions, such as buying a home. As technology advances, acceptance will – we anticipate – continue to grow.
But it’s not just about technology. Success lies in the combination of automated processes and the deliberate inclusion of the human factor. Next-Gen technology combines AI, data integration, and open ecosystems to create personalised financial solutions while enhancing the human touch in wealth management. And it comes at the right time: as I mentioned earlier, projections show that IT spending will reach $58.7 billion by 2025, representing a 4.7% increase and highlighting the ongoing potential for growth.
**TWM:** What do you see as the key priorities for enhancing client and adviser experiences?
**Alberto Cuccu:** Speed, accuracy, and digital workflows are critical if you want to keep up with the growing expectations of investors. We continue to see wealth managers, banks, and asset managers allocate over a third of their IT budgets to three key areas: adviser and client portals, client acquisition, and onboarding. More than eight out of ten advisers expect rapid account opening processes, combined with error-free workflows and fully digital end-to-end processes. Open architecture and holistic Client Lifecycle Management (CLM) should take centre stage. These systems enable flexible workflows and accelerate routine tasks through self-service functionalities.
The demand for these technologies is not unfounded – with more Next-Gen technologies entering the market and with AI taking the global stage, investors are becoming increasingly demanding. They are driving this transition. Only through these advancements can wealth managers deliver precise forecasts, personalised recommendations and experiences, and effective risk identification. The results the industry is targeting: efficiency, flexibility, and long-term competitiveness.
**TWM:** Why is data management so important in wealth management?
**Alberto Cuccu:** Data is becoming the cornerstone of innovation in wealth management. Modern, cloud-based data platforms are key to leveraging complex technologies like Generative AI (GenAI) efficiently. 61% of wealth managers see data quality, with over 50% considering data governance as critical success factors for generative AI. The volume of data of course is less important than its structure and management. Without high-quality information, the potential of GenAI remains unrealised. So effective, efficient and secure data management are the foundation for transformation and competitiveness in wealth management.
**TWM:** What role do you see the cloud playing in wealth management in 2025 (and beyond)?
**Alberto Cuccu:** Already today, three-quarters of wealth managers emphasise agility. So that means that systems must become more flexible and adaptable to quickly respond to emerging market opportunities. Over 40% of wealth managers are already leveraging SaaS (Software as a Service) and cloud solutions for account management and billing, while over a third apply these technologies for onboarding, adviser/client portals, as well as financial planning.
Wealth managers are increasingly shifting critical business workloads to the cloud – from 57% last year to 69% in 2024. Key benefits include better scalability and enhanced access to vast datasets. This flexibility enables financial services institutions of all sizes and business models to tailor offerings, leverage competitive advantages, and accelerate growth.
**TWM:** What is “holistic financial wellbeing”, and why does it matter?
**Alberto Cuccu:** Client needs are becoming increasingly individual, demanding holistic advisory services. 32% of wealth managers identify ‘Holistic Financial Wellbeing’ as a key trend, but only 11% prioritise investments in expanding their offerings. This gap highlights a significant untapped opportunity.
Clients increasingly seek 360-degree solutions covering all aspects of their financial lives – from investments to taxes and financial planning. Competition for these services will intensify, so that only providers with a comprehensive, flexible tech stack will be able to succeed in the long-term. This ecosystem approach will be the foundation for sustainable success in acquiring new client segments.
**TWM:** As a last question, what do you see as the next major trend in wealth management?
**Alberto Cuccu:** Data privacy and compliance remain central themes in wealth management.
Data privacy is seen as a higher priority than streamlining adviser workflows, delivering personalised client experiences, and migrating business-critical workloads to the cloud. AI and Machine Learning (ML) play a key role in securely managing data and complying with regulations such as GDPR. Technology offers the potential to improve data management, streamline operational processes, and deliver personalised experiences to a diverse and growing customer base. A critical area of differentiation will be the ability to break down data silos, creating a holistic tech stack that anticipates and responds to client needs in real time.
The future lies in the ability to effectively marry technology with the human touch, complementing and enhancing interactions, rather than replacing them, to create personalised and thoughtful financial solutions.
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Article
**Tags:** #efficiency, #operationalefficiency, #wealthmanagementtrends, #wealthmanagers, #wealthtech
---
### [Objectway attends Leaders in Finance Wealth Management Event 20256th March 2025](https://objectway.com/objectway-attends-leaders-in-finance-wealth-management-event-2025/)
**Published:** March 1, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Let's connect at next Leaders in Finance Wealth Management Event. Objectway's Conference Delegates will be happy to meet you and discuss the future of finance.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway attends Leaders in Finance Wealth Management Event 2025
6th March 2025 – Join the unique gathering of industry leaders, including CEOs, regulators, top wealth management managers and professionals in the sector. Get to know pioneers shaping the future of Wealth Management.
## Agenda
Thursday, 6th March
09:00 AM – 14:30 PM
Leaders in Finance Wealth Management Event 2025
Kurt Vanhee, Objectway Managing Director Continental Europe & North America
Jos Martens, Objectway Senior Business Development Manager
Objectway is proud to announce its partnership for the Leaders in Finance Wealth Management Event in March. The Event Conference will be a great opportunity to gain new insights, engage in thought-provoking discussions with peers and encourage the sharing of best practices.
**Kurt Vanhee, Objectway Managing Director Continental Europe & North America** and **Jos Martens, Objectway Senior Business Development Manager**, will explore main topics that could be relevant to the market and its primarily stakeholders, including wealth managers, private bankers and product managers.
Objectway is constantly committed to support financial institutions in every segment. We’re dedicated to transforming the way you manage and grow wealth, empowering and scale businesses with a broader objective: preserve capital and improve financial wellbeing of their clients.
[Read the full program here](https://www.leadersinfinance.nl/wealth-management-event-2025/#program): we’re looking forward to meeting you in Soesterberg!
## Event Information
Thursday, 6th March 2025, Conferentiecentrum Kontakt der Kontinenten, located Amersfoortsestraat 20, 3769 AS Soesterberg
## Conference Delegates
Kurt Vanhee
With a professional career of nearly 30 years in various roles in large and medium size banking and IT organizations, Kurt has built a strong knowledge of Wealth Management, IT, Customer Delivery and Business Development activities in an international environment. In his current position at Objectway, as Managing Director Continental Europe & North America, he encourages a customer-centric approach.
Jos Martens
Jos has been working for Objectway since 2006 in a number of international business development, sales and partner management roles. Today he is the Objectway Sales and Business Development Director with a focus on Benelux, Nordics and Iberia territories. In his current role, Jos helps wealth managers, private bank and asset managers, ranging from global T1 institutions to regional Family offices and wealth managers, in their pursuit of the further digitalization of their business processes and their interaction with their clients/investors. With his extensive experience, he is an advisor to both IT and business stakeholders for our clients and prospects.
## Related
[All](#)[\#financial-planning](#)[\#financialservices](#)[\#oneobjectway](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
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**Categories:** Event
**Tags:** #financialinstitutions, #financialservices, #oneobjectway, #privatebanking, #sustainability, #sustainableinnovation, #technology
---
### [Staying ahead in Wealth Management: A Conversation with Jos Martens, Sales & Business Development Director](https://objectway.com/staying-ahead-in-wealth-management-a-conversation-with-jos-martens-sales-business-development-director/)
**Published:** March 3, 2025
**Author:** Lorenzo Noventa
**Excerpt:** Jos Martens discusses the evolving wealth management landscape, sharing insights on market trends, client needs and future shifts for financial institutions.
**Content:**
[](/news/)
View all News
# Staying ahead in Wealth Management: A Conversation with Jos Martens, Sales & Business Development Director
3rd March 2025 – As the Leaders in Finance Wealth Management Event 2025 approaches, Jos Martens, Sales and Business Development Director at Objectway, discusses the evolving wealth management landscape, sharing insights on market trends, client needs and how Objectway is helping financial institutions navigate transformation.
This is a pre-event interview in the run-up to the Leaders in Finance Wealth Management Event 2025 on 6th March 2025.
Marije: Thank you so much for your time, Jos Martens, Sales and Business Development Director at Objectway. We appreciate you speaking with us ahead of the Leaders in Finance Wealth Management event on March 6th, where you will be present. To start off, could you tell us a bit more about yourself, Jos?
Jos: Yes, thank you, Marije, and I appreciate your time for this interview. We are, of course, very much looking forward to the event on March 6. I am Jos Martens, originally from the Netherlands but spent much of my early life abroad in Austria, France, and the US before returning at 24. I’ve lived in the south of the Netherlands for nearly 30 years with my wife and four adult children—my youngest, twins, still at home—perhaps to avoid spending all their own money. I’ve been with Objectway for almost 19 years. My career started in ERP, but the opportunity to move into financial services opened new doors. I started in partner management, helping a Belgian company to expand internationally – until a major turning point in 2008, when the company were acquired by Thomson Financial. Suddenly we had access to a global network that reshaped our ambitions.
At that time, I moved into business development and sales, focusing on the Asia-Pacific region and navigating the complexities of a rapidly evolving market. Then came the financial crisis, disrupting industries around the world. When Thomson Financial merged with Reuters, our portfolio management solution was spun off and found a new home at Objectway. What could have been setbacks became opportunities to evolve. Each transition strengthened our resilience, and today I continue to embrace change and help customers do the same. For the past 12 years, I’ve focused on business development across Europe, covering the Benelux, the Nordics, and Iberia. I’m very much looking forward to the event , where I’ll have the opportunity to meet many clients and prospects.
Marije: Wonderful. It sounds like a very international and impressive track record. Of course, Leaders in Finance are very happy to welcome Objectway as one of their partners for the upcoming event. Could you tell us a bit more about what Objectway does and give us some insight into your business?
Jos: I’m happy to do that! For over 30 years, Objectway has been helping banking, asset, and wealth management firms grow and scale with confidence. We’re not just another tech provider—we’re a trusted partner, supporting over 250 leading financial institutions spanning from Europe to the UK, the Middle East, and North America. With more than €3.5 trillion in assets administered and 100,000 investment professionals relying on our solutions, we know what it takes to navigate complex markets. Our integrated global organization, with our global headquarters in Italy and distributed regional headquarters in Belgium, the UK, Italy, Germany, Switzerland and Canada, brings together 850+ business and technology professionals, ensuring we can serve both global giants and regional leaders with tailored solutions. Our strategy? A mix of organic growth and smart acquisitions, keeping us at the forefront of innovation. We started leading Italy’s wealth management software scene to expanding our services across Europe, the UK and the Middle East, and with our latest expansion in Canada we’re now scaling a global platform that adapts to any market, any jurisdiction, and any business model. But none of this would be possible without our strong and loyal client base. We’ve built long-term relationships with leading financial institutions—ranging from global giants to specialized regional players—by consistently delivering value and innovation. They trust us as a strategic partner who understands their challenges and opportunities.
At the core of everything we do is our Platform designed to support the entire wealth ecosystem. Objectway specializes in providing software solutions and services for wealth and asset management, and private banking, focusing not just to keep businesses running, but enhancing client experience and streamlining operations, helping financial institutions stay ahead in an evolving landscape, which aligns with the theme of the event on March 6th. Through our flexible Solution-as-a-Service approach, we offer solutions across the full spectrum, from back-office to digital channels, including core banking, portfolio management, decision-making layers, and digital channel solutions. Whether our clients need modular solutions, or a trusted partner to support their whole business evolution, we provide the agility and scalability to make it happen. We serve an extensive spectrum of financial institutions, including retail banks with private banking or wealth management arms, private banks, and family offices covering the needs of their different service models, from execution-only and discretionary portfolio management to advisory services for retail clients to ultra-high-net-worth individuals and family offices.
Marije: That’s quite a broad spectrum of services that you offer. And also, if I understand correctly, in many different regions. What differences do you notice when it comes to the international side of the business? Because I can imagine specific services being more common in certain areas.
Jos: That’s a very good question, Marije. What you notice in the Dutch market is that it is mostly shifting towards discretionary portfolio management, largely brought on by MiFID, which required consistent advice and eliminated kickbacks for financial institutions. When you look across the borders, the UK follows a very similar model due to the Retail Distribution Review (RDR) regulation, driving the market increasingly towards discretionary management. However, if you go further, either to the south or the north of Europe, advisory services are still prevalent, possibly sustained by the kickbacks and restitutions paid by fund providers to financial institutions. That said, there’s a clear trend of this becoming less common, with advisory services increasingly reserved for the wealthier clients—while most others are moved into discretionary mandates, typically managed through model portfolios and similar structures.
Of course, there are specialties, and that’s why solutions like ours are well-positioned to cater to both discretionary and advisory needs. Additionally, there’s a growing merge between the two, where even ultra-high-net-worth clients in discretionary models still have a portion of their portfolio managed in an advisory manner.
The shift towards discretionary management first took off in the UK and the Netherlands, particularly over the past 10 years. Now, we see this trend spreading, especially in Scandinavian markets, where we receive increasing requests to transition from advisory to discretionary portfolio management. In Southern Europe, advisory models still dominate, though they are gradually catching up with discretionary management. This could be due, in part, to regulators in those regions being less strict than their counterparts in Northern and Western Europe.
Marije: There seem to be quite some differences in services across countries. Do you also notice variations in client needs locally—specifically in what they want and how they approach their relationship with Objectway? How do they navigate that?
Jos: Working with our clients—banks and financial institutions—is fundamentally relationship-based. Private banking and wealth management are deeply rooted in relationships, where the advisor maintains a close connection with their clients. Advisors need the right tools and information to present their products and offer high-quality and more personalised advisory services effectively. That’s where we fit in. We provide them with the tools that enables them to engage with their clients throughout the entire journey—from selecting products to ensuring that those products remain aligned with the client’s needs over time, to collaborating over the customer’s preferred channels, and to ongoing monitoring and reporting. This spans the full wealth cycle, from wealth creation to inheritance and passing it on to the next generation. While there are cultural differences and service models across geographies, the core principle – bringing client relationship to center stage – remains consistent.
Marije: We are, of course, very happy to have Objectway as a partner for the upcoming event and grateful to have you for this interview. What are you most looking forward to on the 6th of March?
Jos: Being in the wealth management and private banking space—and with the Dutch market being one of my core areas—I’m really looking forward to reconnecting with familiar faces and meeting new people. Events like this are a fantastic opportunity to exchange ideas, hear different perspectives, and gain a deeper understanding of the challenges and trends shaping our industry. I’m especially eager to engage in meaningful conversations, learn from peers, and explore how different institutions are navigating change. It’s always inspiring to discuss fresh insights and approaches, and I see this as a chance for a valuable knowledge exchange that benefits everyone involved.
Marije: Wonderful. Well, thank you so much for taking the time, to speak with me, Jos. Looking forward to seeing you on the 6th of March!
Jos: Same here. See you there!
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## Sign Up for our Newsletter
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**Categories:** Article
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---
### [Objectway expands into the MENA region by signing with Kuwait Financial Centre "Markaz"](https://objectway.com/objectway-expands-into-the-mena-region-by-signing-with-kuwait-financial-centre-markaz/)
**Published:** January 9, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Strategic collaboration leverages Objectway’s cutting-edge modular solution to enhance the client experience for Markaz customers.
**Content:**
[](/news/)
View all News
# Objectway expands into the MENA region by signing with Kuwait Financial Centre “Markaz”
Strategic collaboration leverages Objectway’s cutting-edge modular solution to enhance the client experience for Markaz customers.
London, 9th January 2025 – Objectway enters the MENA region by signing its first client in Kuwait, Kuwait Financial Centre “Markaz”, a leading asset management and investment banking firm in the MENA region. This collaboration marks a significant milestone in Objectway’s growth in the region.
As a leading provider of innovative digital solutions for banks, asset managers, and wealth managers, Objectway will support Markaz in delivering an enhanced client experience for their clients, by significantly improving and automating processes and seamless client journeys.
Markaz, Established in 1974, is a prominent player in the financial sector in the MENA region, with total assets under management of over USD 4.56 billion, as of 30 September 2024, with bespoke advisory services and diversified investment portfolios, with a presence in 13 countries. Over the years, Markaz has pioneered innovation through the creation of various investment channels, which enjoy unique characteristics to help widen investors’ horizons and offer unparalleled experiences across its offerings.
In line with its commitment to providing world-class services, Markaz sought a modular and best-of-breed front office solution that would align with its business objectives, comply with Kuwait’s regulatory framework, and support its relationship managers (RMs) and advisors in delivering tailored client solutions.
Markaz has followed a rigorous selection process with the help of Ernst & Young Wealth & Asset Management consulting services to capture industry best practices.
Driving innovation in client journey
By adopting Objectway’s front-end solution, Markaz will gain greater operational agility, automated workflows, and enhanced data-driven decision-making capabilities for their client-facing activities, ensuring they remain at the forefront of industry best practice.
Our strategic partnership with Objectway is a significant step forward in delivering innovative and efficient client experiences. Objectway’s comprehensive understanding of our needs and their ability to deliver a configurable, scalable solution fully aligns with our vision to enhance our services, streamline processes, and enable further profitable growth.
[](https://www.linkedin.com/in/salman-alayan-cfa-cma/)### Salman Olayan
Senior Vice President, Strategic Planning - Digitization & Analytics, at Markaz
We are proud to partner with such a prominent wealth and asset management firm in Kuwait on their digital innovation journey. This collaboration reflects our commitment to providing financial institutions with advanced, modular and scalable solutions that support personalised customer journeys, operational agility and market expansion. Together, we are setting a new standard for innovation in the MENA region.
[](https://www.linkedin.com/in/tariqkhan5/)### Tariq Khan
Objectway Director of Sales & Business Development for UK & MENA
The evaluation process included a review of the breadth and depth of Objectway’s solution capabilities, as well as its flexibility, accessibility and configurability. Objectway’s approach to implementation and delivery, financial stability and reputation, and experience with similar projects and customers were also evaluated, as well as feedback and recommendations from references. These elements were decisive in the selection of Objectway.
The evaluation process was stringent and thorough, ensuring that we selected the most suitable solution for Markaz’s needs. Our focus was on finding a solution that not only met the technical requirements but also aligned with the strategic goals of Markaz. Objectway’s solution stood out for its comprehensive features and adaptability.
[](https://www.linkedin.com/in/hamdankhanprofile/)### Hamdan Khan
Partner Wealth and Asset Management Consulting from Ernst & Young
This partnership highlights Objectway’s expertise in delivering flexible solutions that meet the unique needs of financial institutions and marks another milestone in its mission to drive digital transformation in global markets.
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8 September 2026
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7 September 2026
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---
### [Objectway supports Baader Bank to propel its 'Road to Future' program](https://objectway.com/objectway-supports-baader-bank-to-propel-its-road-to-future-program/)
**Published:** January 27, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** By leveraging Objectway’s solutions and expertise, Baader Bank aims to enhance scalability and drive improved business performance.
**Content:**
[](/news/)
View all News
# Objectway supports Baader Bank to propel its ‘Road to Future’ program
By leveraging Objectway’s solutions and expertise, Baader Bank aims to enhance scalability and drive improved business performance.
Munich, 27th January 2025 – Baader Bank, a leading European provider of securities and banking services, has committed to Objectway for its strategic **“Road to Future”** program to implement a future-proof, highly scalable, and operationally frictionless core banking environment over the next three years.
Building on their long-standing and successful partnership back to 2010, the bank has experienced rapid and significant growth driven by its innovative business model. Such a dynamic growth requires constant enhancements to future-proof the bank’s operations and keep pace with its continuous expansion.
To address these evolving needs, both parties have embraced a strategic plan entitled “Road to Future”. Over the next three years, the program aims to further support Baader Bank and its core banking infrastructure in driving towards a future-proof, highly scalable and operationally efficient platform.
The project will optimize the processing of an increasing volume of transactions, including payments, while streamlining the generation of customer reports and documentation. This transformation will position the bank for greater scalability and agility, with the potential to move to a SaaS or Cloud operating model in the mid-term.
Effective delivery and strong governance
The successful delivery of the “Road to Future” program will rely on the commitment of both Baader Bank and Objectway, supported by detailed planning and a comprehensive project organization and governance structure.
Objectway will employ its proven Solution Design procedure to ensure a systematic approach to problem analysis and solution delivery. This process includes a thorough examination of the bank’s pain points, operational needs, and constraints to derive actionable epics for the implementation phase. An agile development methodology will be adopted, testing various strategies to identify the most effective solutions.
The final stage will involve a thorough review of all developed solutions, ensuring the optimal strategies are implemented.
This is Objectway’s standard, well-proven approach, ensuring strong project control, management and transparency, ongoing support and timely delivey. In light of the increasing importance of flexibility for core banking systems, we are dedicated to acting as a trusted orchestrator in pursuit of solutions that meet the evolving demands of the market. This includes ensuring technical adaptability, functional scalability and regulatory compliance.
[](https://www.linkedin.com/in/karl-im-brahm/)### Karl im Brahm
CEO of Objectway for the DACH region
The strategic initiative will further strengthen Baader Bank’s positioning as a reliable and future-focused leader in the securities and banking sector. By enhancing scalability and operational efficiency, the program paves the way for new business opportunities and increased capacity, marking another significant milestone in the long-standing partnership between Baader Bank and Objectway.
As the program progresses, additional enhancements will continue to elevate Baader Bank’s service offerings, reinforcing Objectway’s pivotal role in driving innovation and excellence within the financial industry.
In recent years, Baader Bank has consistently optimized its platform with a focus on future growth in the securities and brokerage sectors, while continuously investing in innovation. Through the ‘Road to Future’ program, Baader Bank is positioning itself as a leading partner for securities and banking services in Europe. We are delighted to share this vision with Objectway and to realize it together as planned.
[](https://www.baaderbank.de/)### Nico Baader
CEO of Baader Bank
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7 September 2026
## Sign Up for our Newsletter
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---
### [Objectway at Leaders in Sustainable Finance Event 202530th January 2025](https://objectway.com/objectway-at-leaders-in-sustainable-finance-event-2025/)
**Published:** January 10, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Let's connect at next Leaders in Sustainable Finance Event 2025. Objectway's Conference Delegates will be happy to meet you and discuss the future of finance.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway at Leaders in Sustainable Finance Event 2025
30th January 2025 – Listen, learn and discuss ideas with industry leaders. Gain thought-provoking insights from interviews, panels, roundtables, Q&A’s, etc. Let’s meet and connect with us in Driebergen-Rijsenburg.
## Agenda
Thursday, 30th January
09:00 AM – 17:30 PM
Leaders in Sustainable Finance Event 2025
Kurt Vanhee, Objectway Managing Director Continental Europe & North America
Jos Martens, Objectway Senior Business Development Manager
What is the state of Sustainable Finance, and how can the financial sector accelerate progress together amid global turmoil and (legal/political) push back on transitions? Join our experts and a unique gathering of industry leaders —CEOs, regulators, and professionals in sustainable finance—for a great opportunity to learn, exchange insights, and build or strengthen relationships with key players driving the future of Sustainable Finance.
The Conference Event aims to encourage knowledge sharing and exchange of best practices, but also to add value in the deepening of cooperation between the different stakeholders by facilitating the forming of new relationships.
Objectway is constantly committed to support financial institutions in every segment. We’re dedicated to transforming the way you manage and grow wealth, empowering and scale businesses with a broader objective: preserve capital and improve financial wellbeing of their clients.
[Read the full program here](https://www.leadersinfinance.nl/sustainable-finance-event-2025/#program): we’re looking forward to meeting you in Driebergen-Rijsenburg!
## Event Information
30th January 2025, Antropia, Cultuur- en Congrescentrum te Driebergen-Rijsenburg, Hoofdstraat 8, 3972 LA Driebergen-Rijsenburg
## Conference Delegates
Kurt Vanhee
With a professional career of nearly 30 years in various roles in large and medium size banking and IT organizations, Kurt has built a strong knowledge of Wealth Management, IT, Customer Delivery and Business Development activities in an international environment. In his current position at Objectway, as Managing Director Continental Europe & North America, he encourages a customer-centric approach.
Jos Martens
Jos has been working for Objectway since 2006 in a number of international business development, sales and partner management roles. Today he is the Objectway Sales and Business Development Director with a focus on Benelux, Nordics and Iberia territories. In his current role, Jos helps wealth managers, private bank and asset managers, ranging from global T1 institutions to regional Family offices and wealth managers, in their pursuit of the further digitalization of their business processes and their interaction with their clients/investors. With his extensive experience, he is an advisor to both IT and business stakeholders for our clients and prospects.
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7 September 2026
## Sign Up for our Newsletter
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**Categories:** Event
**Tags:** #financialinstitutions, #financialservices, #oneobjectway, #privatebanking, #sustainability, #sustainableinnovation, #technology
---
### [Digitale Transformation: Baader Bank setzt auf moderne Plattform](https://objectway.com/digitale-transformation-baader-bank-setzt-auf-moderne-plattform/)
**Published:** February 17, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Durch den Einsatz der Lösungen von Objectway will die Baader Bank ihre Bankenplattform modernisieren.
**Content:**
[](/news/)
View all News
# Digitale Transformation: Baader Bank setzt auf moderne Plattform
17\. Februar 2025 – Durch den Einsatz der Lösungen von Objectway will die Baader Bank ihre Bankenplattform modernisieren. Dadurch will der Wertpapier- und Bankdienstleister die Skalierbarkeit und Geschäftsergebnisse verbessern sowie die digitale Transformation voranbringen.
Die Baader Bank, Anbieter von Wertpapier- und Bankdienstleistungen, hat sich im Rahmen ihres strategischen Programms „Road to Future“ für Objectway entschieden, um in den nächsten drei Jahren eine zukunftssichere, hoch skalierbare und reibungslos funktionierende Bankenplattform zu implementieren. Aufbauend auf ihrer langjährigen Partnerschaft seit 2010 hat die Bank ein signifikantes Wachstum durch ihr innovatives Geschäftsmodell erlebt. Ein solch dynamisches Wachstum erfordert kontinuierliche Verbesserungen bei der digitalen Transformation, um die Betriebsabläufe zukunftssicher zu gestalten und mit der anhaltenden Expansion Schritt zu halten.
Digitale Transformation: „Road to Future“-Projekt entwickelt
Um diesen sich entwickelnden Anforderungen gerecht zu werden, haben beide Partner einen strategischen Plan mit dem Titel „Road to Future“ entwickelt. Ziel des Programms ist es, die Kernbankeninfrastruktur der Baader Bank in den kommenden drei Jahren weiter zu stärken und eine zukunftssichere, hoch skalierbare und betrieblich effiziente Plattform zu schaffen.
Das Projekt wird die Verarbeitung eines steigenden Transaktionsvolumens, einschließlich Zahlungsverkehr, optimieren und gleichzeitig die Erstellung von Kundenberichten und Dokumentationen vereinfachen. Diese digitale Transformation wird die Bank in die Lage versetzen, größere Skalierbarkeit und Agilität zu erreichen, mit der Möglichkeit, mittelfristig auf ein SaaS- oder Cloud-Betriebsmodell umzustellen.
Solution Design-Verfahren unterstützt digitale Transformation
Der erfolgreiche Abschluss des Programms „Road to Future“ wird vom Engagement beider Partner, unterstützt durch detaillierte Planung und eine umfassende Projektorganisation sowie Governance-Struktur, abhängen. Objectway wird sein bewährtes „Solution Design“-Verfahren einsetzen, um einen systematischen Ansatz für die Problemanalyse und Lösungsimplementierung sicherzustellen.
Dieser Prozess umfasst eine gründliche Analyse der Schwachstellen, operativen Anforderungen und Einschränkungen der Bank, um umsetzbare Epics für die Implementierungsphase abzuleiten. Es wird eine agile Entwicklungsmethodik angewendet, bei der verschiedene Strategien getestet werden, um die effektivsten Lösungen zu identifizieren. Die finale Phase wird eine umfassende Überprüfung aller entwickelten Lösungen umfassen, um die optimalen Strategien umzusetzen.
Systematischen Ansatz für die Problemanalyse
Die strategische Initiative wird die Position der Baader Bank als zuverlässiger und zukunftsorientierter Anbieter im Wertpapier- und Bankensektor weiter stärken. Durch die Verbesserung der Skalierbarkeit und betrieblichen Effizienz ebnet das Programm den Weg für neue Geschäftsmöglichkeiten und eine gesteigerte Kapazität – ein weiterer wichtiger Meilenstein in der langjährigen Partnerschaft zwischen der Baader Bank und Objectway. Im Verlauf des Programms für digitale Transformation werden weitere Verbesserungen das Dienstleistungsangebot der Baader Bank weiterhin aufwerten und die zentrale Rolle von Objectway bei der Förderung von Innovation und Exzellenz in der Finanzbranche stärken.
Dies ist der bewährte Standardansatz von Objectway, der starke Projektkontrolle, Management und Transparenz, kontinuierliche Unterstützung und termingerechte Lieferung sicherstellt. Angesichts der zunehmenden Bedeutung von Flexibilität bei Kernbanksystemen sind wir bestrebt, als vertrauenswürdiger Orchestrator zu agieren, der Lösungen entwickelt, die den sich wandelnden Anforderungen des Marktes gerecht werden. Dazu gehört die Sicherstellung technischer Anpassungsfähigkeit, funktionaler Skalierbarkeit und regulatorischer Compliance.
[](https://www.linkedin.com/in/karl-im-brahm/)### Karl im Brahm
CEO DACH Region, Objectway
In den letzten Jahren hat die Baader Bank ihre Plattform konsequent mit Blick auf zukünftiges Wachstum in den Bereichen Wertpapiere und Brokerage optimiert und kontinuierlich in Innovation investiert. Mit dem Programm Road to Future positioniert sich die Baader Bank als einer der führenden Partner für Wertpapier- und Bankdienstleistungen in Europa. Wir freuen uns, diese Vision mit Objectway zu teilen und sie gemeinsam wie geplant zu verwirklichen.
[](https://www.baaderbank.de/)### Nico Baader
CEO, Baader Bank
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[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
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[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
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### [Objectway in Luxembourg for #TBSCONF25LUX31st January 2025](https://objectway.com/objectway-in-luxembourg-for-tbsconf25lux/)
**Published:** January 16, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** In January 2025 Objectway will be pleased to catch up with you in Luxembourg for The Banking Scene Luxembourg Conference sixth meetup, bringing together +150 attendees for engaging discussions.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway in Luxembourg for #TBSCONF25LUX
31st January 2025 – In January 2025 Objectway will be pleased to catch up with you in Luxembourg, for TBS sixth meetup, bringing together +150 attendees for engaging discussions and lively debates in the networking.
## Agenda
Friday, 31st January
10:00 AM – 6:00 PM
The Boutique Banking Conference in Luxembourg
Jos Martens, Objectway Senior Business Development Manager
This year Conference will be focused on the transitions that the banking industry is experiencing. Banks are undergoing an internal metamorphosis, reshaping their core structures, strategies and cultures to thrive in rapidly changing environment.
Keynote speakers and industry leaders will discuss how technological advancements and regulatory shifts are impacting on the evolving customer expectations and customer experience.
Don’t miss out on the opportunity to meet us and network with peers to gain insights and engage in thought-provoking discussions!
[Read the full program](https://thebankingscene.com/events/tbsconflux/program/): we’re looking forward to meeting you in Luxembourg!
## Event Information
31st January 2025, Confiserie Namur, Rue de Bitbourg 2, 1273 Luxembourg
**[Register now to reserve you spot:](https://thebankingscene.com/events/tbsconflux/tickets/)** we’re looking forward to meeting you in Brussels!
## Conference Delegates
Jos Martens
Jos has been working for Objectway since 2006 in a number of international business development, sales and partner management roles. Today he is the Objectway Sales and Business Development Director with a focus on Benelux, Nordics and Iberia territories. In his current role, Jos helps wealth managers, private bank and asset managers, ranging from global T1 institutions to regional Family offices and wealth managers, in their pursuit of the further digitalization of their business processes and their interaction with their clients/investors. With his extensive experience, he is an advisor to both IT and business stakeholders for our clients and prospects.
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[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
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**Categories:** Event
**Tags:** #artificialintelligence, #bankingadministration, #oneobjectway, #privatebanking, #technology
---
### [The high-stakes tech gamble: will wealth managers keep up in 2025?](https://objectway.com/the-high-stakes-tech-gamble-will-wealth-managers-keep-up-in-2025/)
**Published:** January 30, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** FinanceX talks to Alberto Cuccu, Chief Operating Officer at Objectway, and discusses the key trends he believes will impact wealth management in 2025.
**Content:**
[](/news/)
View all News
# The high-stakes tech gamble: will wealth managers keep up in 2025?
30th January 2025 – For this article, we talked to Alberto Cuccu, Chief Operating Officer at Objectway, and asked him to share his thoughts on the key trends he believes will impact wealth management in 2025.
What do you think banks spend their money on in 2025?
IT spending in the financial sector is set to exceed 58 billion USD in 2025, while technologies such as generative artificial intelligence (GenAI) revolutionise workflows, data management, and client interactions. Simultaneously, the generational shift among investors will demand a new level of digitalisation.
What key trends do you see as impacting the financial sector in 2025?
Five key trends will shape this transformation: optimising client and adviser experiences, adopting modular architectures, data-driven innovation, the convergence of industries, and a stronger focus on data privacy and compliance.
How will generative AI (GenAI) impact wealth management?
An ageing population and intergenerational wealth transfer drive demand for personalised, holistic financial solutions. At the same time, a new generation of investors is emerging, seeking seamless digital experiences and transparent services. The next
generation expects innovation, speed, and distinctiveness – wealth managers must be prepared. Artificial intelligence (AI) will play an increasingly pivotal role in this development. Results show that 42% of bank clients would rely on AI for major financial decisions, such as buying a home. As technology advances, acceptance will continue to grow.
But it’s not just about technology. Success lies in the combination of automated processes and the deliberate inclusion of the human factor. Next-Gen technology combines AI, data integration, and open ecosystems to create personalised financial solutions while enhancing the human touch in wealth management. And it comes at the right time: projections show that IT spending will reach $58.7 billion by 2025, representing a 4.7% increase and highlighting the remaining growth potential.
What are the key priorities for enhancing client and adviser experiences?
Speed, accuracy, and digital workflows are critical to keeping up with the growing expectations of investors. Wealth managers, banks, and asset managers allocate over a third of their IT budgets to three key areas: adviser and client portals, client acquisition, and onboarding. More than eight out of ten advisers expect fast account opening processes, combined with error-free workflows and fully digital end-to-end processes. Open architecture and holistic Client Lifecycle Management (CLM) should take centre stage. These systems enable flexible workflows and accelerate routine tasks through selfservice functionalities. The demand for these technologies is not unfounded: as more Next-Gen technologies enter the market and AI takes the global stage, investors are becoming increasingly demanding. They are driving this transition. Only through these advancements can wealth managers deliver precise forecasts, personalised recommendations and experiences, and effective risk identification. The result: efficiency, flexibility, and longterm competitiveness.
Increasingly seek 360-degree solutions covering all aspects of their financial lives – from investments to taxes and financial planning. Competition for these holistic services will intensify and only providers with a comprehensive, flexible tech stack will be able to succeed in the long-term. This ecosystem approach will be the foundation for sustainable success in acquiring new client segments.
What role will the cloud play in wealth management in 2025 (and beyond)?
Already today, three-quarters of wealth managers emphasise agility. By 2025, this will mean systems must become more flexible and adaptable to quickly respond to emerging market opportunities. 44% of wealth managers are already leveraging SaaS (Software as a Service) and cloud solutions for account management and billing, while 35% apply these technologies for onboarding, adviser/client portals, as well as financial planning.
With Wealth-as-a-Service (WaaS) – the unbundling of the wealth management technology stack into component solutions – and modular architectures, wealth managers can flexibly adapt their technology, introducing new products or services faster. Wealth managers are increasingly shifting critical business workloads to the cloud – from 57% last year to 69% in 2024. Key benefits include better scalability and enhanced access to vast datasets. This flexibility enables financial services institutions of all sizes and business models to tailor offerings, leverage competitive advantages, and accelerate growth.
Why is data management critical in wealth management?
Data is becoming the cornerstone of innovation in wealth management. Modern cloudbased data platforms are indispensable for leveraging complex technologies like Generative AI (GenAI) efficiently. 61% of wealth managers see data quality, and 56% consider data governance as critical success factors for generative AI. The volume of data is less important than its structure and management. Without high-quality information, the potential of GenAI remains unrealised, data management thus becomes the foundation for transformation and competitiveness in wealth management – for the years to come.
What is “holistic financial wellbeing”, and why does it matter?
Client needs are becoming increasingly individual, demanding holistic advisory services. 32% of wealth managers identify ‘Holistic Financial Wellbeing’ as a key trend, but only 11% prioritise investments in expanding their offerings. This gap highlights a significant untapped opportunity. Clients increasingly seek 360-degree solutions covering all aspects of their financial lives – from investments to taxes and financial planning. Competition for these holistic services will intensify and only providers with a comprehensive, flexible tech stack will be able to succeed in the long-term. This ecosystem approach will be the foundation for sustainable success in acquiring new client segments.
What’s the next major trend?
Data privacy and compliance remain central themes in wealth management. 24% of IT investments are allocated to regulatory requirements, while 73% of wealth managers identify data privacy as a top priority.
Data privacy is seen as a higher priority than streamlining adviser workflows, delivering personalised client experiences, and migrating business-critical workloads to the cloud. AI and Machine Learning (ML) play a key role in securely managing data and complying with regulations such as GDPR. Technology offers the potential to improve data management, streamline operational processes, and deliver personalised experiences to a diverse and growing customer base. A critical area of differentiation will be the ability to break down
data silos, creating a holistic tech stack that anticipates and responds to client needs in real time.
The future lies in the synergy of technology and the human touch, complementing and enhancing interactions, rather than replacing them, to create personalised and thoughtful financial solutions.
## Related
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4 September 2026
## Sign Up for our Newsletter
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**Categories:** Article
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---
### [Trends im Banking 2025: 58 Milliarden USD für KI, Cloud und Datenschutz](https://objectway.com/trends-im-banking-2025-58-milliarden-usd-fur-ki-cloud-und-datenschutz/)
**Published:** January 28, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Technologien wie generative Künstliche Intelligenz (GenAI) könnten Arbeitsabläufe und Kundenerlebnisse neu gestalten.
**Content:**
[](/news/)
View all News
# Trends im Banking 2025: 58 Milliarden USD für KI, Cloud und Datenschutz
28\. Januar 2025 – IT-Ausgaben in der Finanzbranche werden 2025 auf über 58 Milliarden USD steigen, während Technologien wie generative Künstliche Intelligenz (GenAI) Arbeitsabläufe, Datenmanagement und Kundeninteraktionen revolutionieren.
Die IT-Ausgaben in der Finanzbranche werden 2025 auf über 58 Milliarden USD steigen. Technologien wie generative Künstliche Intelligenz (GenAI) könnten Arbeitsabläufe und Kundenerlebnisse neu gestalten. Gleichzeitig drängt eine digital-affine Anlegergeneration auf nahtlose, transparente Dienstleistungen. Fünf Schlüsseltrends zeichnen sich ab: Optimierte Kundenerlebnisse, modulare Architekturen, datengetriebene Innovationen, stärkere Branchenkonvergenz sowie Datenschutz und Compliance.
IT-Investitionen und ihre Schwerpunkte
Mit prognostizierten IT-Ausgaben von 58,7 Milliarden USD wird die Finanzbranche 2025 stark auf Technologie setzen. Die Investitionen fließen vor allem in Berater- und Kundenportale, Kundengewinnung und Onboarding. Laut Alberto Cuccu von Objectway erwarten über 80 % der Finanzberater eine beschleunigte Kontoeröffnung und fehlerfreie digitale Prozesse. Open Architecture und Client Lifecycle Management (CLM) gelten dabei als zentrale Hebel.
Durch die steigende Akzeptanz neuer Technologien wie Generative KI können Banken präzisere Vorhersagen und personalisierte Kundenerlebnisse schaffen. Dieser Ansatz wird als entscheidend für langfristige Wettbewerbsfähigkeit angesehen.
Cloud-Technologie und modulare Architekturen
Die Migration geschäftskritischer Aufgaben in die Cloud nimmt zu. Im Jahr 2024 setzten 69 % der Wealth Manager Cloud-Lösungen ein, ein deutlicher Anstieg im Vergleich zu 57 % im Vorjahr. Wealth-as-a-Service ermöglicht die modulare Anpassung von Technologiestacks. Dies erlaubt eine schnelle Einführung neuer Produkte und Dienstleistungen und erhöht die Flexibilität, um auf Marktanforderungen zu reagieren.
Mit der Verlagerung in die Cloud profitieren Unternehmen von erhöhter Skalierbarkeit und einem besseren Zugriff auf große Datenmengen. Diese Flexibilität hilft, neue Geschäftsmodelle zu etablieren und Wettbewerbsvorteile zu sichern.
Datenmanagement als Innovationstreiber
Daten sind der Schlüssel zu Innovationen im Wealth Management. Hochwertige Datenqualität und strukturierte Governance werden als unverzichtbar angesehen, insbesondere bei der Implementierung generativer KI. Laut Cuccu betrachten 61 % der Berater Datenqualität als zentralen Erfolgsfaktor.
Moderne Cloud-Datenplattformen ermöglichen es Banken, große Datenmengen effektiv zu analysieren und zu nutzen. Dies schafft eine Grundlage für innovative Dienstleistungen und trägt zur Wettbewerbsfähigkeit bei.
„Holistic Financial Wellbeing“ als neuer Standard
Die Kundenanforderungen werden individueller, was eine ganzheitliche Betreuung erfordert. Nur 11 % der Vermögensverwalter priorisieren jedoch Investitionen in diese Richtung. Die Integration zusätzlicher Dienstleistungen wie Steuerberatung oder Finanzplanung bietet eine Möglichkeit, sich im Wettbewerb zu differenzieren.
Datenschutz und Compliance als zentrale Prioritäten
Datenschutz bleibt ein zentrales Anliegen in der Branche. 73 % der Banken betrachten Datenschutz als höchste Priorität. KI und Maschinelles Lernen helfen dabei, Datensilos abzubauen und regulatorische Anforderungen wie die DSGVO zu erfüllen.
Die Fähigkeit, Technologien mit menschlichem Kontakt zu kombinieren, wird als entscheidend angesehen, um personalisierte Finanzlösungen zu schaffen. So können Unternehmen sowohl den gesetzlichen Anforderungen gerecht werden als auch Kundenerwartungen erfüllen.
FAQ: Häufig gestellte Fragen zu den Trends im Banking
- Wie wird KI im Banking 2025 eingesetzt?
Künstliche Intelligenz unterstützt bei der Datenanalyse, der Erstellung personalisierter Angebote und der Automatisierung von Prozessen.
- Warum wird die Cloud-Technologie wichtiger?
Die Cloud ermöglicht Flexibilität, Skalierbarkeit und den schnellen Zugriff auf große Datenmengen.
- Welche Rolle spielt Datenschutz?
Datenschutz ist nicht nur gesetzlich vorgeschrieben, sondern auch ein wichtiger Faktor für das Vertrauen der Kunden.
## Related
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[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
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---
### [Wofür Banken 2025 fast 60 Milliarden ausgeben](https://objectway.com/wofur-banken-2025-fast-60-milliarden-ausgeben/)
**Published:** January 22, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Die Investitionen der Banken im Jahr 2025 werden sich auf die Optimierung des Kundenerlebnisses, die Einführung modularer Architekturen und datengesteuerte Innovationen konzentrieren.
**Content:**
[](/news/)
View all News
# Wofür Banken 2025 fast 60 Milliarden ausgeben
22\. Januar 2025 – IT-Ausgaben in der Finanzbranche werden 2025 auf über 58 Milliarden USD steigen, während Technologien wie generative Künstliche Intelligenz (GenAI) Arbeitsabläufe, Datenmanagement und Kundeninteraktionen revolutionieren.
Gleichzeitig wird der sich vollziehende Generationswechsel bei den Anlegern endgültig ein neues Level an Digitalisierung fordern. Fünf zentrale Trends werden diesen Wandel prägen: die Optimierung von Kundenerlebnissen, die Einführung modularer Architekturen, datengetriebene Innovationen, die Konvergenz von Branchen und ein verstärkter Fokus auf Datenschutz und Compliance. Alberto Cuccu, Chief Operating Officer von Objectway, erläutert, was das Jahr 2025 für die Finanzbranche birgt.
Eine alternde Bevölkerung und der intergenerationale Vermögenstransfer sorgen für wachsende Nachfrage nach personalisierten, ganzheitlichen Finanzlösungen. Gleichzeitig betritt eine neue Anlegergeneration die Bühne, die sich als Digital Natives nahtlose digitale Erlebnisse und transparente Dienstleistungen wünscht. „Die nächste Generation erwartet Innovation, Schnelligkeit und Unverwechselbarkeit – Vermögensverwalter müssen darauf vorbereitet sein“, erklärt Alberto Cuccu, Chief Operating Officer bei Objectway. Künstliche Intelligenz (KI) wird eine wachsende Schlüsselrolle in dieser Entwicklung spielen. Cuccu ergänzt: „Eine aktuelle Umfrage zeigt, dass 42 Prozent der befragten Bankkunden KI bei großen Finanzentscheidungen, etwa dem Kauf eines Eigenheims, nutzen würden. Mit dem technischen Fortschritt wird die Akzeptanz weiter steigen.“
Doch es geht nicht nur um Technologie. Der Erfolg liegt in der Kombination von automatisierten Prozessen und der bewussten Einbindung des menschlichen Faktors. „Next-Gen-Technologie verbindet KI, Datenintegration und offene Ökosysteme, um personalisierte Finanzlösungen zu schaffen und den menschlichen Kontakt im Wealth Management zu stärken“, betont Cuccu. Und es kommt zur richtigen Zeit: Hochrechnungen zufolge werden die IT-Ausgaben 2025 schließlich 58,7 Milliarden USD erreichen, was einen erheblichen Anstieg von 4,7 % darstellt und das verbleibende Wachstumspotenzial widerspiegelt. Alberto Cuccu informiert über die zentralen Trends, die das Wealth Management im Jahr 2025 prägen und die Branche grundlegend verändern werden.
Für 8 von 10 ein Muss: Kundenerlebnisse müssen schneller werden
Schnelligkeit, Fehlerfreiheit und digitale Prozesse sind entscheidend, um mit den steigenden Erwartungen von Anlegern Schritt zu halten. Laut Alberto Cuccu investieren Vermögensverwalter, Banken und Asset Manager über ein Drittel ihrer IT-Budgets in die drei wichtigsten Bereiche „Berater- und Kundenportale“, „Kundengewinnung“ und „Onboarding“. „Mehr als acht von zehn Beratern erwarten eine schnelle Kontoeröffnung, kombiniert mit fehlerfreien Abläufen und digitalen End-to-End-Prozessen“, so Cuccu.
Open Architecture und ganzheitliches Client Lifecycle Management (CLM) sollten dabei aber laut Experten im Mittelpunkt stehen. Denn sie schaffen flexible Workflows und beschleunigen Routineaufgaben durch Self-Service-Funktionen. Die Nachfrage kommt nicht von irgendwo her: „Je mehr Next-Gen-Technologien in den Markt strömen und KI die Weltbühne betritt, desto anspruchsvoller werden Anleger. Sie treiben diesen Wandel voran“, erklärt Cuccu. Nur damit werden präzise Vorhersagen, personalisierte Empfehlungen und Kundenerlebnisse sowie die Erkennung von Risiken ermöglicht. Das Ergebnis: Effizienz, Flexibilität und langfristige Wettbewerbsfähigkeit.
Der Trend geht hin zur Migration geschäftskritischer Aufgaben in die Cloud
Schon heute setzen drei Viertel der Vermögensverwalter auf Agilität, erklärt Alberto Cuccu. Für 2025 bedeutet das: Systeme müssen flexibler und anpassungsfähiger werden, um schneller auf neue Marktchancen zu reagieren. „44 % der Vermögensverwalter nutzen bereits SaaS- und CloudLösungen für das Kontomanagement und die Abrechnung, während 35 % diese Technologien für das Onboarding, Berater- und Kundenportale sowie die Finanzplanung einsetzen“, sagt Cuccu. Mit Wealth-as-a-Service, das heißt der Aufteilung des Technologiestacks im Wealth Management in einzelne Komponenten, und modularen Architekturen können Vermögensverwalter ihre Technologie flexibel anpassen und schneller neue Produkte oder Dienstleistungen einführen. „Wealth Manager verlagern zunehmend geschäftskritische Aufgaben in die Cloud – von 57 % im Vorjahr auf 69 % im Jahr 2024. Zu den Vorteilen gehören unter anderem eine bessere Skalierbarkeit und der erweiterte Zugriff auf große Datenmengen.“, so Cuccu. Diese Flexibilität ermöglicht es Finanzdienstleistungsunternehmen aller Größen und Geschäftsmodelle, ihre Angebote anzupassen, Wettbewerbsvorteile zu nutzen und das Wachstum zu beschleunigen.
Datenmanagement rückt in den Mittelpunkt der IT-Prioritäten
Daten werden zum Herzstück von Innovationen im Wealth Management. Moderne Cloud- Datenplattformen werden somit unverzichtbar, um komplexe Technologien wie Generative KI (GenAI) effizient zu nutzen. „61 % der Vermögensberater sehen Datenqualität und 56 % DatenGovernance als zentrale Erfolgsfaktoren für generative KI“, so Cuccu. Die Menge an Daten ist dabei weniger entscheidend als deren Struktur und Verwaltung. „Ohne hochwertige Informationen bleibt das Potenzial von GenAI unerreicht“, betont Cuccu. Datenmanagement wird so zur Grundlage für Transformation und Wettbewerbsfähigkeit im Wealth Management – auch für die kommenden Jahre. ‚Holistic Financial Wellbeing‘: Vermögensverwaltung wird mit ergänzenden Services bereichert Die Bedürfnisse der Kunden werden immer individueller und verlangen nach einer ganzheitlichen Betreuung. „32 % der Vermögensverwalter sehen das ‚Holistic Financial Wellbeing‘ als zentralen Trend, aber nur 11 % priorisieren Investitionen in die Erweiterung ihres Angebots“, erklärt der Chief Operating Officer von Objectway. Diese Diskrepanz zeigt eine große ungenutzte Chance. Kunden werden sich immer mehr eine 360-Grad-Betreuung wünschen, die alle Aspekte ihres finanziellen Lebens abdeckt – von Investitionen über Steuern bis hin zur Finanzplanung. Der Wettbewerb um diese ganzheitlichen Dienstleistungen wird sich verschärfen. „Nur Anbieter mit einem umfassenden, flexiblen Techstack können langfristig bestehen. Dieser Ökosystem-Ansatz wird künftig zur Basis für nachhaltigen Erfolg im Wettbewerb um neue Kundensegmente“, betont Cuccu.
Von Datenschutz bis hin zu Personalisierung – Was ist der nächste Trend?
Datenschutz und Compliance sind zentrale Themen im Wealth Management. „24 % der IT-Investitionen entfallen auf regulatorische Anforderungen, 73 % sehen Datenschutz als absolute Priorität“, erklärt Alberto Cuccu. Datenprivatsphäre wird dabei als höhere Priorität angesehen als die Optimierung der Arbeitsabläufe von Beratern, die Bereitstellung personalisierter Kundenerlebnisse und die Migration geschäftskritischer Arbeitslasten in die Cloud. KI und Maschinelles Lernen (ML) spielen eine Schlüsselrolle, um Daten sicher zu verwalten und regulatorische Vorgaben wie DSGVO zu erfüllen. Ein entscheidendes Differenzierungsmerkmal wird die Fähigkeit sein, Datensilos abzubauen und einen ganzheitlichen Technologiestack zu schaffen, der die Bedürfnisse der Kunden in Echtzeit antizipiert und darauf reagiert. „Die Zukunft liegt in der Synergie von Technologie und dem menschlichen Kontakt, der Interaktionen ergänzt und verbessert, anstatt sie zu ersetzen, um personalisierte und durchdachte Finanzlösungen zu schaffen“, schlussfolgert Cuccu.
Die Zukunft liegt in der Synergie von Technologie und dem menschlichen Kontakt, der Interaktionen ergänzt und verbessert, anstatt sie zu ersetzen, um personalisierte und durchdachte Finanzlösungen zu schaffen.
[](https://www.linkedin.com/in/alberto-cuccu-21a401/)### Alberto Cuccu
Chief Operating Officer, Objectway
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[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
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### [Can NextGen tech make wealth management more human?](https://objectway.com/can-nextgen-tech-make-wealth-management-more-human/)
**Published:** January 15, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** The wealth management industry is shifting toward digital-first, omnichannel experiences as clients demand seamless access to their financial information.
**Content:**
[](/news/)
View all News
# Can NextGen tech make wealth management more human?
15th January 2025 – The wealth management industry is shifting toward digital-first, omnichannel experiences as clients demand seamless access to their financial information.
The impending generational wealth transfer amplifies the need for advanced digital capabilities – NextGen tech – to cater to younger (and older) clients’ expectations for intuitive platforms. At the core of this evolution are connectivity and as-a-service operating models, enabling firms to integrate modular, API-driven solutions that enhance agility and scalability. How can wealth managers strategically invest in these tools to drive client personalisation, streamline service offerings, and build a strong technological foundation for long-term growth in an ever-evolving market?
Driving Client and Advisor Excellence Through Front-Office Innovation
Investors today are demanding seamless omnichannel experiences, with nearly half (46%) regularly accessing their accounts via mobile apps1. This reliance on digital channels highlights an urgent need for wealth management firms to enhance their digital interactions and offerings. Adding to this pressure is the imminent generational wealth transfer, which brings younger clients to the forefront—individuals who value intuitive and engaging digital platforms and are more likely to switch providers if expectations are unmet. However, age alone isn’t the key factor; digital capabilities also heavily influence client decisions, with 35% of millennials and 34% of Baby Boomers ranking this as critical when selecting a wealth manager2.
In response, wealth managers are directing significant technology investments into front-office capabilities, such as advisor/client portals, client acquisition tools, and onboarding processes, which collectively dominate 36% of IT budgets3. These projects are critical not only for improving operational efficiency but also for personalizing client experiences, an increasingly essential component of modern wealth management. Financial planning, which forms four of the top five technology investment priorities, further underscores this trend.
Personalisation, long a cornerstone of wealth management, is evolving rapidly. Data-driven tools now enable advisors to tailor recommendations based on individual behaviors, preferences, and risk tolerances. Advisor portals streamline repetitive tasks, freeing advisors to focus on strategic client engagement. Meanwhile, client portals with performance analytics and personalised dashboards offer tailored experiences, boosting client satisfaction.
Digital-first wealth management: Building Strategic Connectivity and agility
The transition toward digital financial services is set to accelerate in 2025, with seamless digital experiences becoming a non-negotiable expectation among clients. From onboarding to portfolio management, clients increasingly demand platforms that allow them to access financial information, seek advice, and execute transactions seamlessly—integrating digital tools with in-person interactions as needed. This shift underscores the critical need for wealth managers to prioritise frictionless, hybrid engagement models that balance seamless and coherent digital collaboration with human expertise.
To meet these expectations, financial firms are ramping up investments in technology, focusing on tools that empower advisors and elevate client interactions. Open architectures are transforming wealth management by enabling seamless integration with innovative fintech solutions. SaaS/cloud-based platforms and APIs provide the connectivity needed to deliver agile and scalable solutions, enhancing agility and enabling them to adapt swiftly to technological advancements, shifting business priorities, and emerging market trends. These flexible and scalable architectures allow firms to operate with greater efficiency, speed, and resilience in a rapidly evolving landscape.
At the heart of this evolution lies Wealth-as-a-Service (WaaS), a framework built on modular, API-driven, and cloud-based platforms that unbundle the traditional wealth management technology stack. This modular approach enables wealth managers to accelerate product and service launches while scaling operations to meet client demands in an increasingly competitive environment.
Adopting as-a-service models and cloud-based technologies allows wealth managers to modernise outdated applications and operations management. These advancements enhance customer experiences and position firms to adapt quickly to industry changes, ensuring agility and resilience in a dynamic financial landscape.
Data as the Foundation for Generative AI in Wealth Management
Data management and platforms are increasingly pivotal for wealth managers, serving as the foundational element to unlocking advanced technological potential. Generative AI, a transformative tool in wealth management, relies heavily on the quality and governance of data to deliver tangible results.
In a recent survey of wealth management executives4, 61% identified improved data quality as a key factor in the success of generative AI, while 56% highlighted the importance of robust data governance. These insights reinforce the idea that it is not the volume of data that drives innovation, but rather its effective management, structuring, and refinement. Clean and well-governed data is critical to deploying AI solutions that offer genuine business value.
Despite the central role of data, the most important success factor for AI adoption was organisational and operational buy-in, with 67% of executives recognising it as a critical component. This underscores the importance of aligning leadership and teams to strategically integrate transformative technologies and ensure their long-term impact.
Ultimately, the success of generative AI and other advanced technologies in wealth management depends on strong data platforms, governance frameworks, and a collaborative culture—elements that are not merely enablers of innovation but essential to driving operational excellence across the industry.
The fundamental question remains: can technology make wealth management more human? The answer lies in leveraging these innovations to enhance—not replace—human interactions. By thoughtfully integrating technology with the human element, the wealth management industry can chart a future that is both innovative and profoundly client-centric.
1 [ https://www.lseg.com/en/media-centre/press-releases/2024/ai-set-to-revolutionise-wealth-management-operations](https://www.lseg.com/en/media-centre/press-releases/2024/ai-set-to-revolutionise-wealth-management-operations)
2 [ https://www.lseg.com/en/media-centre/press-releases/2024/ai-set-to-revolutionise-wealth-management-operations](https://www.lseg.com/en/media-centre/press-releases/2024/ai-set-to-revolutionise-wealth-management-operations)
3 Celent, Top Tech Trends Previsory: Wealth Management, November 2024
4 Celent, Top Tech Trends Previsory: Wealth Management, November 2024
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[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
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[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
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### [Le sfide del Wealth Management 4.0](https://objectway.com/le-sfide-del-wealth-management/)
**Published:** January 14, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** L'ecosistema del wealth management sta affrontando una fase di profonda trasformazione, passando da una relativa stagnazione tecnologica ad un futuro innovativo.
**Content:**
[](/news/)
View all News
# Le sfide del Wealth Management 4.0
14 gennaio 2025 – L’ecosistema del wealth e asset management sta affrontando una fase di profonda trasformazione, passando da una relativa stagnazione tecnologica a un futuro caratterizzato da un’accelerata integrazione e innovazione, in cui la combinazione di tecnologia, ecosistemi aperti e il “tocco umano” ridefinirà il ruolo degli operatori del settore.
Dato tale contesto, per i player dell’industria assumono un ruolo cruciale gli investimenti in tecnologia, che si stimano in crescita anche per il prossimo anno. In Italia, in particolare, le previsioni sono di un aumento del 5% rispetto al 2024.
Come evidenziano gli esperti di Objectway, primario fornitore globale di soluzioni fintech nel settore del software per banche, wealth e investment managers, alcuni dei fattori che guideranno la strategia di spesa IT in Italia e in Europa saranno la concorrenza delle fintech e delle neo-bank, la compliance con i requisiti normativi, l’ammodernamento della tecnologia legacy e il miglioramento dell’efficienza operativa. Per il settore finanziario, l’innovazione tecnologica rappresenta quindi non solo una delle principali leve per competere nel mercato ma anche una necessità strategica per affrontare un futuro sempre più digitale e integrato.
E in questo ambito non sorprende che l’industria sia attualmente focalizzata sull’intelligenza artificiale, che può svolgere un ruolo importante, sia per ottenere un risparmio sui costi operativi, attraverso una sempre maggiore automazione dei processi, sia come possibilità di aumento dei ricavi, grazie all’offerta di nuovi servizi a valore aggiunto.
“Nei nostri progetti di innovazione, applichiamo una combinazione di tecnologie che includono anche componenti di IA” spiega Gianbattista Geroldi, CEO di Objectway per l’Italia. “Per fare qualche esempio, utilizziamo queste soluzioni per l’ottimizzazione del portafoglio e del rischio. Grazie a questi strumenti gestiamo i dati non strutturati contenuti in svariati tipi di documenti e moduli, classificandoli automaticamente. Inoltre stiamo lavorando a soluzioni in grado di migliorare e velocizzare l’onboarding dei clienti, semplificando la verifica dei documenti e i controlli di conformità con l’obiettivo di aumentare il tasso di conversione. Infine stiamo introducendo soluzioni di assistenza virtuale che aiutano gli advisor nell’operatività quotidiana e nella gestione efficiente e proficua della relazione coi clienti”
Oltre alla domanda di innovazione tecnologica, sta evolvendo anche la necessità di adottare nuovi modelli di servizio. “Assistiamo infatti a una crescente richiesta di servizi in modalità Business Process as a Service per esternalizzare alcuni processi di business e consentire agli operatori finanziari di automatizzare e ottimizzare l’operatività”.
Si tratta di un’esigenza manifestata non solo dagli operatori di piccole o medie dimensioni, ma sempre più frequentemente anche da istituti di dimensioni significative e appartenenti a gruppi internazionali.
“In linea con queste tendenze, sta evolvendo sia la nostra capacità
operativa, sia il nostro approccio ai clienti” puntualizza Geroldi. “Per quanto riguarda il primo aspetto, siamo cresciuti in modo significativo negli ultimi anni, tanto che ad oggi, per quanto riguarda il mercato italiano, oltre l’80% dei nostri clienti utilizza i nostri servizi in modalità SaaS o BpaaS, con oltre 300 miliardi di asset in gestione”.
Dal punto di vista dell’approccio al mercato, “i clienti ci riconoscono sempre più come un partner strategico, a cui si rivolgono non solo per innovare il loro stack tecnologico, ma anche per ottenere consulenza altamente specializzata per l’ottimizzazione dei processi, la gestione del cambiamento e per essere accompagnati
nell’evoluzione del loro modello di servizio” spiega l’esperto.
Un altro ambito che sta vivendo una profonda trasformazione è la relazione cliente/advisor. Il cliente vuole partecipare sempre più attivamente alle decisioni d’investimento, e questa transizione richiede un ripensamento dei processi e degli strumenti utilizzati dagli operatori finanziari. Per facilitare un’interazione più collaborativa tra cliente e advisor, le piattaforme devono perciò evolvere per supportare nuovi modelli di collaborazione e gestione delle informazioni. “Un aspetto fondamentale è l’adozione di soluzioni che permettano ai clienti di essere attivamente coinvolti, garantendo al contempo sicurezza e controllo dei dati” chiarisce Geroldi. “Anche qui le componenti di AI e l’automazione dei processi giocano un ruolo importante, semplificando il lavoro dei consulenti, che possono concentrarsi maggiormente sulla relazione con i clienti piuttosto che sulle attività amministrative. Le analisi dei dati supportate dall’IA possono inoltre fornire agli advisor una comprensione più approfondita delle esigenze e delle preferenze dei clienti, al fine di offrire soluzioni su misura, consulenza proattiva e un’accurata gestione del rischio”.
In sintesi, per prepararsi alle sfide di domani è fondamentale puntare su tre ambiti: efficienza e scalabilità, personalizzazione, e innovazione sia tecnologica che dei modelli di servizio.
Nei nostri progetti di innovazione, applichiamo una combinazione di tecnologie che includono anche componenti di IA. Per fare qualche esempio, utilizziamo queste soluzioni per l’ottimizzazione del portafoglio e del rischio. Grazie a questi strumenti gestiamo i dati non strutturati contenuti in svariati tipi di documenti e moduli, classificandoli automaticamente. Inoltre stiamo lavorando a soluzioni in grado di migliorare e velocizzare l’onboarding dei clienti, semplificando la verifica dei documenti e i controlli di conformità con l’obiettivo di aumentare il tasso di conversione.
[](https://www.linkedin.com/in/gianbattista-geroldi-070a322a/)### Gianbattista Geroldi
CEO Italia, Objectway
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[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
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[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
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[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
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### [In the spotlight - Jonathan Hartley, client success director, Objectway](https://objectway.com/jonathan-hartley-describes-the-critical-role-of-technology-in-wealth-management/)
**Published:** January 8, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** AI is critical in wealth management as the industry navigates shifting client expectations. Jonathan Hartley, OW's Client Success Director, explores this topic.
**Content:**
[](/news/)
View all News
# In the spotlight – Jonathan Hartley, client success director, Objectway
8th January 2025 – Technology plays a critical role in wealth management as the industry navigates shifting client expectations, economic volatility, and increasing competition. Jonathan Hartley, Objectway’s Client Success Director, further explores this topic.
Jonathan Hartley, client success director at Objectway, leads a team involved in the solution design for prospects. It aims to ensure the effi cient delivery of projects and manages the adoption of Objectway’s software. Mr Hartley has been working in the wealth management industry since 2014, leading large scale digital and culturalchange initiatives. He is also a qualifi ed executive coach and enjoys working with clients to help them move beyond their comfort zone.
Why is technology so important to the industry?
Technology plays a critical role in wealth management as the industry navigates shifting client expectations, economic volatility, and increasing competition. Clients demand personalised, seamless experiences, making tools like AI, data analytics, and digital engagement platforms essential for enhancing service quality and adviser productivity. The rise of fintech challengers has pushed traditional firms to modernise through cloud adoption, SaaS, and API integration, enabling agility and scalability. Furthermore, technology is crucial for regulatory compliance, operational efficiency, and business growth.
According to an industry research firm, 77 percent of investment services CIOs identify revenue generation as one of the top three critical outcomes of digital technology investments, with nearly half ranking it as the most important. This underscores the imperative for wealth management executives to align technology initiatives with overarching business goals.
By demonstrating how IT supports the firm’s mission-critical objectives in a volatile market environment, wealth firms can position technology as a strategic driver of growth and operational success.
What are the key trends shaping technology at the moment?
Key trends can be grouped into three functional areas:
Client and adviser experience: To service the varying needs of different generations, wealth managers should focus on technologies that help cater to the growing generations, as well as ones that improve and expedite the current client-adviser experience. These are the technologies in particular that firms should either adopt, trial or assess: adviser desktop platforms, client digital experience platforms, and hybrid digital advice tools.
AI and analytics: AI continues to play a crucial role, especially in enhancing client experiences. Firms are leveraging AI for personalised content, generating insights on client behaviour and robotic process automation to improve efficiency. AI is particularly impactful in onboarding, compliance, and portfolio management, helping streamline workflows and reduce manual tasks.
Operations and automation: Firms are transitioning to scalable and flexible cloud-based solutions to modernise infrastructure. SaaS platforms are becoming the go-to for client engagement, portfolio management, and other critical functions, providing agility in deployment and customisation.
What are the main challenges facing technology?
Wealth managers face increasing demands for personalised, seamless and digital-first client experiences. Delivering these while maintaining service excellence is a delicate balancing act. The proliferation of financial products and service channels adds to the complexity, highlighting how traditional operating models can be costly and inefficient.
Firms need to rethink their approach, moving beyond short-term cost-cutting measures to strategic initiatives that realign their operations with long-term goals.
A key challenge is to distinguish between operational complexity that adds value and redundancy that hinders growth. Automation, advanced data analytics and self-service tools offer potential solutions that can increase efficiency and improve productivity in both the back and front office. However, effective implementation of these technologies requires significant investment and careful alignment with business priorities.
Wealth managers must also consider a systematic, outcome-driven approach to transformation to ensure that technology initiatives not only streamline operations, but also improve the client experience. In addition, the industry faces the challenge of managing change while maintaining trust and reliability. Adapting to digital advances requires holistic strategies that integrate modern tools with human-centred service models.
Firms must prioritise projects with measurable impact, addressing internal efficiencies alongside customer-facing improvements. Success depends on their ability to balance innovation with operational stability, ensuring that technological evolution supports both immediate needs and sustainable growth in a competitive market.
What’s one book you think everyone should read?
Poor Charlie’s Almanack, by Charles T Munger. It’s full of wit and wisdom and encourages you to think about the world in a different way.
When’s the last time you failed spectacularly at something?
I volunteer at my son’s cricket club, and this summer, at very short notice, I umpired my first match. I didn’t grow upplaying cricket, so I don’t know many of the rules. And in this match that became clear. The parents on the sidelines were shouting at me for incorrect calls, and then it started raining. I kept the play going, because I wasn’t sure of what to do. Eventually someone had to pull us all off the pitch. I can laugh at it now, but it wasn’t a comfortable experience at the time!
If you couldn’t do your current role what would your dream job be?
I’d like to be a conference speaker. I’m one of those strange people who likes speaking in front of an audience.
The proliferation of financial products and service channels adds to the complexity, highlighting how traditional operating models can be costly and inefficient. Firms need to rethink their approach, moving beyond short-term cost-cutting measures to strategic initiatives that realign their operations with long-term goals.
[](https://www.linkedin.com/in/jonathanhartley/)### Jonathan Hartley
Client Success Director, Objectway
## Related
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[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
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---
### [Innovatore e consulenziale, ecco l’approccio del nuovo wealth-tech](https://objectway.com/innovatore-e-consulenziale-ecco-lapproccio-del-nuovo-wealth-tech/)
**Published:** January 7, 2025
**Author:** Silvia Boccuzzi
**Excerpt:** Il wealth-tech si evolve per offrire efficienza operativa e supporto consulenziale alle istituzioni finanziarie.
**Content:**
[](/news/)
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# Innovatore e consulenziale, ecco l’approccio del nuovo wealth-tech
7 gennaio 2025 – Il wealth-tech si evolve per offrire efficienza operativa e supporto consulenziale alle istituzioni finanziarie, rispondendo alla domanda di soluzioni digitali sempre più integrate.
Aumento della domanda di soluzioni digitali avanzate. Crescenti aspettative degli investitori ad alto patrimonio (HNWI e UHNW). Maggiore attenzione agli asset alternativi. Sono questi i motori della trasformazione del settore dell’asset e wealth management, che pongono sfide significative alle istituzioni finanziarie e ai professionisti chiamati a conciliare l’esigenza di una personalizzazione profonda con il rispetto di normative sempre più stringenti. Un contesto complesso in cui risulta cruciale individuare partner capaci non solo di offrire soluzioni tecnologiche all’avanguardia con l’evoluzione del mercato, ma anche un approccio consulenziale mirato. Ne parliamo con Gianbattista Geroldi, CEO Italia di Objectway, società leader nello sviluppo di soluzioni tech dedicate al comparto finanziario e della gestione del patrimonio.
L’evoluzione della domanda: dal front office al back end integrato
Negli ultimi anni, le esigenze del settore finanziario sono cambiate in modo significativo. Se in passato la priorità era data allo sviluppo di soluzioni focalizzate sul front office, **oggi l’attenzione si sta spostando verso piattaforme modulari, per ottimizzare anche i processi di middle e back office**. Questa transizione è dettata dalla necessità di rispondere a nuove sfide operative, come la crescente complessità delle normative e la richiesta di maggiore personalizzazione. Le **piattaforme integrate** rappresentano una risposta efficace a queste esigenze, in quanto forniscono una visione unificata dei dati, eliminando la frammentazione e migliorando la governance aziendale. Inoltre, consentono una **maggiore efficienza operativa, riducendo i tempi e i costi associati ai processi manuali.**
“Oggi – spiega Geroldi – le piattaforme digitali devono permettere di gestire in modo efficiente e coordinato ogni fase del processo, dall’interazione con il cliente alla gestione delle operazioni di middle e back office, integrando strumenti di gestione della compliance e del rischio. **L’efficienza operativa derivante da questa integrazione facilita anche il time-to-market dei nuovi servizi, migliorando sia l’esperienza del cliente che la produttività”.**
Sfide operative e vantaggi delle piattaforme end-to-end
Le **piattaforme end-to-end** rappresentano una **risposta innovativa alle esigenze di innovare i modelli operativi e di servizio delle istituzioni finanziarie.** Queste soluzioni eliminano la frammentazione dei dati e grazie alla loro **scalabilità e flessibilità** consentono di ottenere efficienza operativa, permettendo alle aziende di rispondere rapidamente ai cambiamenti del mercato. Un altro vantaggio chiave è la **capacità di garantire una maggiore sicurezza dei dati e conformità alle normative.** Grazie all’uso di tecnologie avanzate, queste piattaforme offrono una **protezione ottimale**, supportando le istituzioni nel rispettare le normative locali e internazionali.
Innovazione, non solo tecnologica
“Nel panorama in evoluzione del private banking e del wealth management, **l’innovazione tecnologica si accompagna sempre più alla richiesta di nuovi modelli di servizio”,** afferma Geroldi. Questo cambiamento non è limitato agli operatori di piccole e medie dimensioni; anche le grandi istituzioni internazionali stanno esprimendo questa esigenza. **Una tendenza significativa è il crescente interesse per i modelli Business Process as a Service (BPaaS),** che consentono agli operatori finanziari di esternalizzare specifici processi aziendali per ottimizzare e automatizzare efficacemente l’operatività.
“Per questo **è importante che i professionisti si affidino a un interlocutore che sia capace di rispondere a queste necessità e che sia in grado di offrire soluzioni pensate per rispondere a 360° alle specificità del mercato** in cui essi operano, dai bisogni della clientela alle dinamiche regolamentari, operative e di evoluzione del servizio”.
Tecnologie specializzate e il futuro del settore
Spostando lo sguardo sul futuro, **gli investimenti si concentreranno sempre di più su tecnologie avanzate.** La convergenza tra intelligenza artificiale, cloud e data analytics sta trasformando il settore, aprendo la strada a nuovi modelli operativi. Tuttavia, **il pieno potenziale di queste tecnologie si realizzerà solo attraverso un’integrazione efficace e una strategia ben definita.**
“Ecco perché crediamo che **aziende come la nostra** non possano limitarsi ad essere un semplice fornitore di soluzioni digitali, ma debbano invece porsi come **partner strategici per le istituzioni del wealth e dell’asset management** – prosegue Geroldi -. Solo attraverso la **combinazione di competenze tecnologiche e consulenziali,** infatti, è possibile supportare i propri clienti nella definizione e implementazione di strategie a lungo termine. Questo approccio consente ai nostri clienti di affrontare con efficacia le sfide della trasformazione digitale, garantendo un’operatività flessibile orientata alla crescita e un’attenzione scrupolosa alla client experience”.
Innovazione e collaborazioni di successo
Un esempio significativo è la nostra **collaborazione con la più grande banca depositaria d’Europa,** per la quale **abbiamo ridisegnato il modello di servizio per la sua divisione securities services in Italia,** al fine di migliorare la distribuzione dei fondi per primari gestori patrimoniali. Il risultato è stato una soluzione di **Business Process as a Service (BPaaS) su misura,** che ha migliorato significativamente l’efficienza operativa, elevando al contempo la proposta di valore della banca per i clienti chiave.
Nel settore del **private banking,** abbiamo implementato **servizi transfrontalieri a valore aggiunto nell’ambito delle offerte di investimento per i clienti.** Questa iniziativa ha massimizzato le sinergie tra la banca privata e la sua casa madre svizzera. Il progetto ha compreso una consulenza completa, che ha incluso studio di fattibilità, analisi e implementazione di modelli operativi e soluzioni software personalizzate. La nostra esperienza internazionale è stata fondamentale per il successo dell’iniziativa.
Un’altra collaborazione degna di nota è quella con un importante neo-broker: ci siamo concentrati nella gestione della fiscalità in diversi mercati europei, a partire da Germania, Italia e Austria. Attualmente gestiamo oltre 20 milioni di transazioni al mese e stiamo supportando la graduale espansione della soluzione in altri Paesi europei in cui opera il broker.
Una soluzione efficace deve permettere agli istituti finanziari di accelerare il time-to-market di nuovi servizi, migliorando l’esperienza cliente e ottimizzando le risorse interne. Solo attraverso un approccio di tipo integrato le aziende possono costruire e mantenere un vantaggio competitivo in un contesto di mercato in continua evoluzione. La proposta di Objectway risulta particolarmente efficace per gli istituti finanziari che cercano una soluzione scalabile e integrata, verticalizzabile nei diversi mercati in cui operano.
[](https://www.linkedin.com/in/gianbattista-geroldi-070a322a/)### Gianbattista Geroldi
CEO Italia, Objectway
## Related
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[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
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[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
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[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
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### [Why firms are opting for a hybrid strategy when integrating AI](https://objectway.com/why-firms-are-opting-for-a-hybrid-strategy-when-integrating-ai/)
**Published:** December 17, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Tariq Khan, Objectway's Director of Sales & Account Management, underlines how AI enhances client experience for a overall hybrid client experience.
**Content:**
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# Why firms are opting for a hybrid strategy when integrating AI
20th December 2024 – The use of artificial intelligence (AI) is advancing at pace in the wealth management industry. However, there is still much debate about its place in the sector.
AI can be used to streamline administrative tasks, freeing up time for wealth managers, which in turn should allow them more time to do what they do best.
For example, Ben Covey, managing director of private clients at 7IM, explained his firm is exploring a number of areas where AI can support the business. This includes possible uses in client-facing roles and within support functions.
7IM has also partnered with AI firm Aveni to use the technology to support advisers in their meetings and calls with clients. The technology writes a draft meeting note for advisers as soon as the client leaves the office.
“The technology has come so far in a short period of time and, when used consistently, can really help an adviser to be more productive, by reducing the amount of manual record keeping they undertake,” Mr Covey commented. In terms of client facing work, 7IM uses a virtual assistant so advisers can spend time on “more valuable aspects of the relationship”.
Despite the AI boom, there is still a need for a balance between technology and the human experience. Professionals and clients alike have expressed their concerns over the possibility of AI taking over the role of a wealth manager.
Nicholas Charles, founder and chief executive of wealth retention operating system Dante, acknowledged that many were having the same conversations about the internet as it was being integrated into the industry.
“People don’t like change,” he said. “But you can’t just bury your head in the sand and ignore AI because you risk going bust.” With AI improving efficiency, those who do not embrace it are likely to be left behind as they are still focusing on completing tasks which could be handled by the technology instead. Ultimately clients are paying for the relationship, claimed Mr Charles, as “people always buy from people”.
As a result, he believes that AI will be a tool the industry works with rather than a tool that replaces people. Mr Charles also acknowledged AI can be “overly sensitive” at times when it is being used to flag anything that looks wrong. However, he does not believe it is worth scrapping AI over this. “This just means we need to be more vigilant,” he claimed. It is also worth noting that AI is relatively new and can be improved as it develops at later stages. As a result of the risks associated with AI, in addition to clients demanding a personal experience with wealth managers, firms seem to be aiming for a hybrid strategy when implementing AI.
This is what wealthtech Objectway is seeing, with firms stating that using technology for efficiency with the need for personalised customer service “go hand in hand”. Objectway has been exploring “powerful” client facing AI initiatives with wealth management firms which complement this balance. For example, clients can receive personalised alerts on their portal based on their suitability preferences previously captured in a contract lifecycle management (CLM) solutions. This means clients receive alerts if there are news articles which interest them and also receive alerts prompting them to arrange a meeting with their wealth managers to discuss the topic in more detail.
While Mr Covey believes 7IM is not seeing face to face interaction change as a result of AI, Mr Khan suggested it may depend on the situation. This includes the client’s preferences, the complexity of the financial advice and the quality of the digital tools used. For example, a client would prefer not to need to speak to their adviser every time they need change their details, such as a phone number. However, they would want to speak to their adviser face-to-face when discussing an investment proposal, Mr Khan explained. He added: “Recent market research also shows that clients with enhanced digital capabilities that allow elements of selfservice are more likely to speak to their WM face-to-face and value the interaction more.”
The research – made available through Objectway – also highlighted hybrid advice models often result in higher client satisfaction, as they meet the need for both personalisation and convenience. “A more personalised customer experience should lead to better outcomes for the customer and the firm and more operational efficiency as the return on investment will be greater,” Mr Khan explained.
Wealth managers seem to be embracing the hybrid structure for now which is leaving more time for firms to focus on the client relationship.
Despite the risks, “AI can bring humanity closer together”, Mr Charles concluded.
AI enhances the personalised client experience and is also a key component of the overall hybrid client experience.
[](https://www.linkedin.com/in/tariqkhan5/)### Tariq Khan
Director of Sales and Account Management, Objectway
## Related
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[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
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4 September 2026
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### [Wie die Steuerabwicklung deutsche Banken ausbremst](https://objectway.com/wie-die-steuerabwicklung-deutsche-banken-ausbremst/)
**Published:** December 17, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Besonders die Steuerabwicklung fordert Finanzunternehmen heraus, da der rechtliche Rahmen von Land zu Land stark variiert. Karl im Brahm beleuchtet dieses Szenario in der Finanzwelt.
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# Wie die Steuerabwicklung deutsche Banken ausbremst
23\. Dezember 2024 – Karl im Brahm, DACH-CEO von Objectway, erklärt, wie wichtig Skalierbarkeit bei der Einführung neuer Module ist und wie sich der Integrationsprozess in Fintechs und traditionellen Banken aufgrund ihrer unterschiedlichen Strukturen gestaltet.
Der Wettbewerbsdruck auf Finanzinstitute wächst. Vor allem deutsche Banken stagnieren bei der Expansion und riskieren, Anlegergruppen an ausländische Konkurrenten zu verlieren. Eine Hürde ist hier die Berücksichtigung nationaler und internationaler Gesetzgebung. Besonders die Steuerabwicklung fordert Finanzunternehmen heraus, da der rechtliche Rahmen von Land zu Land stark variiert. Um langfristiges Wachstum zu ermöglichen, hat Objectway nun die erste paneuropäische Steuerlösung entwickelt. Sie ist auch im Ausland einsetzbar und lässt sich nahtlos in die bestehenden Ökosysteme der Banken integrieren.
Die Finanzbranche ist im Wandel. Fintechs haben längst Einzug in den Markt gehalten und bedienen eine immer anspruchsvollere Anlegergruppe. Diese erwartet nicht nur eine klassische Vermögensverwaltung, sondern auch ergänzende Dienstleistungen, die von Finanzbildung bis hin zur Steuerabrechnung reichen. Gleichzeitig werden Investoren immer mobiler und fordern, dass Services auch im Ausland verfügbar sind. Um diesen Anforderungen gerecht zu werden, müssen sowohl Fintechs als auch traditionelle Finanzinstitute ihr Produktangebot ständig ausbauen – und dabei ihr Wachstum im Ausland vorantrieben. Deutschland spielt dabei nicht in der Spitzenliga. Laut einer KPMG-Umfrage sehen 46 Prozent der internationalen CFOs andere Länder als wachstumsstärker an. Eine Deloitte-Studie von 2024 zeigt zudem, dass in fünf Jahren nur noch zwei Drittel der deutschen Unternehmen primär in Deutschland investieren wollen – ein deutlicher Rückgang im Vergleich zu den derzeitigen 90 Prozent.
„Diese Zahlen spiegeln den starken Internationalisierungsdruck auf deutsche Unternehmen wider. Für den Finanzsektor ist das besonders herausfordernd, da die Marktregulierung hierzulande bereits komplex genug ist. Umso schwieriger gestaltet sich die Berücksichtigung ausländischer Gesetzgebungen, insbesondere in Bezug auf die steuerlichen Vorschriften“, erklärt Karl im Brahm, CEO der DACH-Region von Objectway. Der Finanzdienstleister hat daher eine Steuerlösung entwickelt, das die steuerliche Berechnung und Erstellung regulatorischer Berichte für Finanztransaktionen in mehreren europäischen Ländern ermöglicht. Ein entscheidendes Erfolgsmerkmal war die regulatorische Expertise von Objectway über Ländergrenzen hinweg.
Objectway kennt die Steuerabwicklung über Ländergrenzen hinweg
„Die Steuerhandhabung ist komplex und variiert von Land zu Land. Während andere Anforderungen wie Finanzaufsicht oder Datenschutz zunehmend harmonisiert werden, bleibt die Steuerregulierung oft national. Um mit der Gesetzgebung Schritt zu halten, arbeiten wir sehr eng mit unseren Bankkunden zusammen, und holen uns gleichzeitig die Expertise von den jeweiligen Bankenbehörden und den großen Wirtschaftsprüfungsgesellschaften ein“, erklärt Karl im Brahm. „Auch unser Team von über 800 hauseigenen Experten an über sechs Standorten hat es uns ermöglicht, unsere Partner umfassend zu unterstützen“, präzisiert im Brahm.
Die Finanzbranche zählt zu den am strengsten regulierten Sektoren. Finanzinstitute müssen komplexe steuerrechtliche Vorgaben wie den Einbehalt der Abgeltungsteuer oder die Berücksichtigung von Freibeträgen exakt umsetzen können. Zusätzlich dazu variiert die Gesetzgebung von Land zu Land. Dies stellt insbesondere Finanzunternehmen vor Herausforderungen, die europaweit expandieren und Kundengruppen in verschiedenen Ländern mit unterschiedlichen regulatorischen Anforderungen bedienen wollen. Die internationale Expertise von Objectway spielte hier eine entscheidende Rolle bei der Entwicklung der Steuerlösung. Das Unternehmen entwickelt seit über 30 Jahren Vermögens-, Asset- und Bankenlösungen für über 200 Finanzunternehmen aus ganz Europa. Integraler Bestandteil hiervon war seit Beginn auch ein Steuermodul, welches kontinuierlich weiterentwickelt und optimiert wurde. Um professionelle Expertise in steuerlichen und regulatorischen Angelegenheiten in einer Vielzahl von europäischen Märkten zu garantieren, verfolgt der Fintech-Anbieter einen gemeinschaftlichen Ansatz, der auf drei Pfeilern beruht.
„Zunächst haben wir einen ‚Tax Club‘ mit unseren Referenzkunden gegründet, die uns direktes Feedback zum Modul geben und uns so ermöglichen, bei regulatorischen Änderungen ‚hands on‘ zu arbeiten, das heißt flexibel darauf zu reagieren. Außerdem kooperieren wir eng mit den großen Wirtschaftsprüfungsgesellschaften. Zudem beraten wir uns mit den Bankenverbänden der jeweiligen Länder, wie dem Bundesverband deutscher Banken (BdB) in Deutschland. Dieser gemeinschaftliche Ansatz ermöglicht es uns, anspruchsvolle Führungsanforderungen zu erfüllen und mit den Entwicklungen der Branche Schritt zu halten“, erläutert im Brahm das regulatorische Ökosystem, welches entscheidend ist, um das langfristige Wachstum von Finanzunternehmen in Europa zu ermöglichen.
Skalierbarkeit als Schlüssel zum langfristigen Wachstum für Banken
Um die Berechnung steuerlicher Abgaben und die Erstellung regulatorischer Berichte effizient auszulagern, ist ein Modul erforderlich, das sich problemlos in bestehende Ökosysteme integrieren lässt, ohne den laufenden Betrieb zu stören. Ein Vorteil, der den Einführungsprozess weiter beschleunigen kann, sind die hausinternen Experten von Objectway.
„Diese Kombination hat es uns erlaubt, umfassende Unterstützung zu bieten, ohne auf externe Experten angewiesen zu sein. Dadurch nimmt die Plattform einzig die Anforderungen des Kunden in den Fokus“, präzisiert der CEO. Mit der flexiblen, hochskalierbaren Steuerlösung in Kombination mit einem SaaS-Einsatzmodell, verarbeitet Objectway Steuerberechnungen für mehr als drei Millionen Kunden in Europa. „Die Skalierbarkeit und Konfigurierbarkeit des Moduls sind zentrale Voraussetzungen für nachhaltiges Wachstum. Bei der Einführung konnten wir von unserer Erfolgsbilanz mit Neobrokern profitieren, für die wir bereits mehr als eine Million Wertpapiertransaktionen pro Tag betreuen“, erklärt im Brahm.
Agile Prinzipien vs. Wasserfall-Technik: So unterschiedlich arbeiten Fintechs und Banken
Objectway bedient mit seinem Kernbankensystem und Modulen wie dem Steuermodul sowohl traditionelle Finanzinstitute als auch innovative Finanzdienstleister. „Dabei kann sich die Zusammenarbeit wesentlich unterscheiden“, erklärt im Brahm. „Fintechs, die für ihre Agilität bekannt sind, schließen den Implementierungsprozess erfahrungsgemäß in sehr kurzer Zeit ab, durchschnittlich in etwa sechs bis zwölf Monaten.“ Das liegt laut dem Experten daran, dass Fintechs einen schrittweisen Ansatz mit häufigen Feedback-Schleifen verfolgen. Diese agile Arbeitsweise fördert die enge Zusammenarbeit zwischen Beratern und Entwicklern. „Traditionelle Banken hingegen folgen oft einem strukturierteren, vom Wasserfallmodell getriebenen Ansatz. Er beinhaltet mehrere Phasen, die jeweils abgeschlossen sein müssen, bevor die nächste beginnt, was eine längere Implementierungszeit zur Folge hat“, erläutert im Brahm. Unabhängig von der Methodik stellt der CEO jedoch sowohl bei Fintechs als auch bei Großbanken eine starke Bereitschaft zur internationalen Zusammenarbeit fest.
Dank unserer langjährigen Erfahrung können wir die Lösung problemlos in komplexe Bankensysteme integrieren. Der Schlüssel zum Erfolg liegt in einer vorausschauenden Projektplanung.
[](https://www.linkedin.com/in/karl-im-brahm/)### Karl im Brahm
CEO DACH Region, Objectway
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
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### [Objectway joins Parkwell for the upcoming Insights Seminar on how to get to best in class profitability10th December 2024](https://objectway.com/objectway-joins-parkwell-for-the-upcoming-insights-seminar-on-how-to-get-to-best-in-class-profitability3rd-july-2024/)
**Published:** December 9, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will join Parkwell for the Insights Seminar 2024 to uncover the ways to prioritise opportunities to improve productivity and cost efficiency.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway joins Parkwell for the upcoming Insights Seminar on how to get to best in class profitability
10th December 2024 – Objectway will be sponsoring with Compeer next Parkwell Insights Seminar in London to examine a wide range of profitability across wealth management firms.
## Agenda
10th December 2024
15:45 – 16:00
How to get to best in class profitability
Tariq Khan, Objectway Business Development Director
Objectway will take centre stage during the upcoming Parkwell Insights Seminar Conference in London, supporting the event in collaboration with Compeer.
This time, keynote speakers and industry professionals will focus on the ways to identify and prioritise opportunities to improve productivity and cost efficiency. The Conference Agenda will delve into the wealth management firms’ upward potential to discover how they can increase profitability and save costs.
Within a lineup of enriching sessions and ample networking opportunities, **Tariq Khan, Objectway Business Development Director**, will be happy to share fruitful insights on Objectway clients’ cases to explain you how Objectway Solutions can lead to improve customer experience through a fully cloud based infrastructure.
## Event Information
Tuesday, 10th December 2024, CISI Offices (Level 3), The Fenchurch Building, 20 Fenchurch Street, South Entrance, London EC3M 3BY
Discover more about the program and **[register here to secure your place at the event.](https://parkwell.co.uk/best-in-class-profitability-2024/)**
We’re looking forward to meeting you in London!
## Conference Delegates
Tariq Khan
Tariq is Client Development Director at Objectway and he leads the Business Development and Account Management teams. Tariq is passionate about Wealth management sector and has been working with Wealth Managers for over 15 years, with the prime focus on delivering outstanding client outcomes. He and his team try and achieve this by forming long term partnerships with firms and enabling them to improve their user and end client experience, operational efficiency, and become future ready through Objectway’s digital solutions. Tariq studied Physiology at Kings College London and he holds the Islamic Finance Qualification.
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[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
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---
### [Objectway and BNY Pershing team up for a glimpse into the future of wealth management12th December 2024](https://objectway.com/objectway-and-bny-pershing-team-up-for-a-glimpse-into-the-future-of-wealth-management/)
**Published:** December 10, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway and BNY Pershing invite you to a breakfast briefing in Dublin to provide an in-depth exploration of the wealth management industry's current landscape
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway and BNY Pershing team up for a glimpse into the future of wealth management
12th December 2024 – Objectway and BNY Pershing are pleased to invite you to an exclusive breakfast briefing in Dublin to provide an in-depth exploration of the industry’s current landscape, its challenges, and the opportunities that lie ahead.
No more places available. For further information contact us at [mktg@objectway.com.](mailto:mktg@objectway.com)
## Agenda
Thursday, 12th December 2024
8:00 – 10:00 AM
Objectway and BNY Pershing Ireland Client Event
David Wilson, Director, Objectway Ireland
**Objectway and BNY Pershing** are proud to invite you to register for their next networking event to discuss key findings from a recent wealth management survey.
It highlights that over 50% of respondents are prioritising **back-office enhancements** and the **modernisation of legacy systems** as critical components of their digital strategies.
The survey also reflects a growing **recognition of AI’s potential** to enhance efficiency, improve decision-making, and drive innovation.
In essence, the conference will be the ultimate opportunity to take a comprehensive look at the future of wealth management, showcasing how to **improve front office productivity** by streamlining operations and driving better client outcomes and business growth.
Seize the opportunity to personally meet with **David Wilson, Objectway Ireland Director**, and get ready to discover how the combination of Objectway’s Front Office Solutions and BNY Pershing’s platform offers a new unique digital experience for your business.
## Event Information
Thursday, 12th December, Irish Stock Exchange | Grafton Buildings, The Exchange, Foster Pl, Dublin 2, D02 E796, Ireland
We’re looking forward to meeting you in Dublin!
## Speakers
David Wilson
David is Objectway Ireland Director, undertaking coordination and support activities to strengthen the clients’ base. He has more than a decade of expertise in providing solutions to the wealth and asset management industry globally, helping firms to improve their productivity. David holds a Master’s Degree in Computer Science and IT from Dublin Technogical University.
## Related
[All](#)[\#customerexperience](#)[\#oneobjectway](#)[\#portfoliomanagement](#)[\#sponsor](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
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[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
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**Categories:** Event
**Tags:** #artificialintelligence, #client-relationship, #clientexperience, #customerexperience, #digitaltransformation, #financialservices, #fintech
---
### [Steigerungspotenzial für geringe Margen](https://objectway.com/steigerungspotenzial-fur-geringe-margen/)
**Published:** December 5, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Karl im Brahm, CEO DACH Region Objectway, erklärt der Unternehmeredition, wie generative KI die Beziehung zwischen Kunde und Berater revolutionieren kann.
**Content:**
[](/news/)
View all News
# Steigerungspotenzial für geringe Margen
5\. Dezember 2024 – Das Fintech Objectway bietet Unterstützung für Vermögensverwalter und Asset Manager.
Mit organischem Wachstum und Zukäufen ist das Fintech Objectway zu einem der führenden Anbieter von Software und Dienstleistungen für Banken, Vermögensverwalter und Wealth Manager aufgestiegen. Die zunehmende Digitalisierung der Bankenwelt wird für weiteres Wachstum sorgen.
Der normale Bankkunde kennt Objectway nicht. Das Unternehmen agiert im Hintergrund – dort, wo es um die Vereinfachung der Kommunikation mit der Bank im digitalen Zeitalter geht, oder bei der Verbesserung der innerbetrieblichen Abläufe in den Banken. Sind solche Vorgänge skalierbar, wird die Wertschöpfungskette innerhalb der Banken gestärkt. Das kann durchaus eine höhere Rendite für den Kunden bringen, gerade in diesen Zeiten, in denen sich die Zinsen auf das finanzielle Guthaben so langsam wieder erholen. Vor über 30 Jahren in Mailand gegründet, ist aus dem italienischen Start-up mittlerweile ein schlagkräftiges mittelständisches Unternehmen auch im deutschsprachigen Raum geworden, das sich zum Softwareentwickler und IT-Dienstleister für Banken, Vermögensverwalter und Assetmanager entwickelt hat und sogenannte Backbone-Lösungen sowohl auf lokaler als auch auf internationaler Ebene ermöglicht. Inzwischen zählt das Unternehmen zu den 100 größten Fintechanbietern weltweit.
Erfolgreiche Übernahme eines führenden Anbieters von Kernbankensystemen
Ermöglicht hat den Erfolg im deutschsprachigen Raum auch die 2021 erfolgte Übernahme des Unternehmens Die Software aus dem bayerischen Ebersberg und damit des führenden deutschen Herstellers von Kernbankensystemen, dessen modulare Plattformbauweise es dem italienischen Unternehmen ermöglichte, mit seinen spezifischen Lösungen anzudocken: „Objectway konnte damit seine eigenen Spitzentechnologien mit den Lösungen unseres deutschen Unternehmens integrieren und damit eine vielseitige Banking-Suite schaffen“, so Luigi Marciano, Gründer und Vorstandsvorsitzender der Objectway Group. „Die Integration von Die Software ist gelungen“, ergänzt Karl im Brahm, der seit Anfang 2022 die Geschäfte in der DACH-Region leitet und zuvor unter anderem zwei Onlinebroker mitgegründet hatte. Gemeinsam gelang eine stärkere Marktdurchdringung, die integrierten Softwarelösungen finden jetzt bei Banken auch in Italien, Benelux und Großbritannien Anwendung, der Gesamtumsatz der Gruppe stieg seither auf über 100 Mio. EUR. Zeit zum Durchatmen bleibt aber nicht: „Die zunehmende Regulatorik im Bankenwesen macht auch vor uns nicht halt. Nehmen wir das Beispiel des CSR-Reportings, wo Lösungen gesucht werden, wie die Umweltauflagen etwa mit der Optimierung von Reisekosten erfüllt werden können. Die Kunden fordern mehr Transparenz in der Ansprache. Auch das Thema Cybersecurity wird zukünftig an Bedeutung gewinnen“, schildert im Brahm die künftigen Anforderungen an Softwareentwicklungen.
Finanzbildung für Jüngere gewinnt an Bedeutung
Dabei sollten aber in erster Linie die Kunden im Mittelpunkt stehen. „Heute reicht es nicht mehr aus, dass Banken lediglich gute Finanzprodukte anbieten. Zwar bleibt die Grundlage der Vermögensberatung – Budgetverfolgung, Vermeidung von Kontoüberziehungen und das Erreichen von Sparzielen – bestehen, doch die Ansprüche gehen deutlich darüber hinaus“, sagt im Brahm. Anleger wünschten sich heute ein professionelles Schuldenmanagement sowie eine Verlinkung zu ergänzenden Dienstleistungen und alternativen Anlagen wie Versicherungen, tokenisierten Vermögenswerten, Immobilien und Kunst. Vor allem aber spielt die Finanzbildung eine immer wichtigere Rolle. „Durch die Integration von Finanzbildung in ihr Kerngeschäft können Banken nicht nur das Vertrauen ihrer Kunden stärken, sondern auch deren finanzielle Gesundheit fördern, was wiederum deren Image in puncto Nachhaltigkeit stärkt. Besonders junge Anleger wollen hier von ihren Banken an die Hand genommen und finanziell ausgebildet werden“, so im Brahm. Herausfordernd dabei sei vor allem, dass jüngere Anleger zumeist mit 10.000 bis 20.000 EUR starten, was einen erheblichen Mehraufwand im Gegensatz zu der Betreuung älterer Anleger mit sich bringt. Vollständig digitale Akteure – sogenannte Neobroker – beginnen schon mit einer monatlichen Anlagesumme von 50 EUR und üben damit ebenfalls einen Druck auf die etablierten Privatbanken aus. Für Objectway stehen die Chancen auf weiteres Wachstum gut. In der Zukunft will der Mittelständler weiter sowohl organisch als auch anorganisch wachsen, wenn sich die Möglichkeit für geeignete Zukäufe ergibt.
„Die Aktienrente wird die Finanzbranche grundlegend verändern“
Interview mit Karl im Brahm, Geschäftsführer DACH-Region, Objectway
**Unternehmeredition:** Es kursieren Vorschläge, zur langfristigen Stabilisierung der Rente einen Teil der staatlichen Rente am Kapitalmarkt zu investieren. Bis 2035 soll dazu ein Kapitalstock von 200 Mrd. EUR aufgebaut werden. Sind die deutschen Finanzinstitute dafür gerüstet?
**Karl im Brahm:** Ein solches Konzept könnte nicht nur das Rentensystem stärken, sondern auch die private Vermögensverwaltung revolutionieren und die Finanzbranche grundlegend verändern. Gerade junge Anleger sehen Aktien als Weg, um finanziellen Engpässen im Alter vorzubeugen. Der Trend zeigt, dass deutsche Investoren zunehmend moderne Anlagestrategien nach dem Vorbild anderer Länder wie Großbritannien akzeptieren, wo die Altersvorsorge fest in den Private-Wealth-Sektor integriert ist. Allerdings werden nur die Finanzinstitute davon profitieren, die ausreichend digitalisiert sind.
**Unternehmeredition:** Wird die gesamte Vermögensberatung zukünftig nur noch digital erfolgen?
**Karl im Brahm:** Natürlich gibt es einen Run auf die sogenannten Neobanken, wo alle Prozesse nur noch digital ablaufen – aber gerade im Bereich der Vermögensverwaltung findet Beratung nach wie vor im Einzelgespräch statt. Das ist eine Chance für die Privatbanken, die ebenfalls jüngere Kunden gewinnen wollen. Hier gilt es, die internen Prozesse im Zuge der Digitalisierung zu beschleunigen, um die Marge zu erhalten oder sogar zu erhöhen.
**Unternehmeredition:** Welche Rolle kann dabei der Einsatz von KI spielen?
**Karl im Brahm:** Banken nutzen KI bisweilen hauptsächlich zur Steigerung der Effizienz und nicht zur Erzielung von Einnahmen. Vor allem die generative KI kann die Rolle des Beraters stärken und Unterstützung bei der Innovation des Angebots und der Personalisierung von Kundenbeziehungen bieten. Allerdings kämpfen die meisten Banken immer noch mit Fragen des Datenschutzes und mit Vorurteilen über den Einsatz von KI. Dabei hat gerade generative KI das Potenzial, einen Wert bis zu 340 Mrd. USD zu generieren. Das stellt immerhin einen Anteil von 4,7% des gesamten Branchenumsatzes dar.
Banken nutzen KI bisweilen hauptsächlich zur Steigerung der Effizienz und nicht zur Erzielung von Einnahmen. Vor allem die generative KI kann die Rolle des Beraters stärken und Unterstützung bei der Innovation des Angebots und der Personalisierung von Kundenbeziehungen bieten.
[](https://www.linkedin.com/in/karl-im-brahm/)### Karl im Brahm
CEO DACH Region, Objectway
## Related
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[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
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[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
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Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Article
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---
### [Objectway gets ready to attend upcoming BankenTech 2024, the Handelsblatt Annual Conference3rd - 4th December 2024](https://objectway.com/objectway-to-sponsor-upcoming-bankentech-2024-conference-by-handelsblatt/)
**Published:** November 30, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** At the Handelsblatt BankenTech Conference, keynote speakers from Banking and FinTech sectors, will discuss how IT Transformation can succeed for value-creating.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway gets ready to attend upcoming BankenTech 2024, the Handelsblatt Annual Conference
3rd- 4th December 2024 – At the Handelsblatt BankenTech Conference, keynote speakers and leading decision makers from Banking and FinTech sectors, will discuss how IT Transformation can succeed, and which are CIOs goals for 2025.
## Agenda
Tuesday, 3rd December 2024
15:45 – 16:15
Technology as a Gamechanger: How Innovation is Redefining the Future of Financial Services
Karl im Brahm, CEO Objectway DACH Region
During the BankenTech 2024 Annual Conference, in the 3rd Roundtable Session, our **Karl im Brahm, CEO Objectway DACH Region**, will lead the debate on the transformative role of technology in shaping the future of financial services. The conversation with others thought leaders will explore technology is improving customer experience through personalized and data-driven services, while addressing several challenges, such as regulation, security and trust and providing insights into how companies can equip themselves for the future.
The role of IT is currently changing, and it is increasingly taking over on the implementation of business strategies. Today, more and more companies are establishing the role of Chief Digital Officer, since the digitalization is becoming a competitive factor.
**[Check out the full conference programme now](https://live.handelsblatt.com/event/jahrestagung-bankentech/)** and register to ensure you don’t miss the opportunity to meet professionals and industry experts with whom you can lay the foundations for a fruitful dialogue between Banks and FinTechs.
Join us at our booth to discover how Objectway is committed to create business value, accelerate the successful deployment of our solutions and reduce risk.
## Event Information
3rd- 4th December 2024, Hilton Frankfurt City Centre, Hochstraße 4 (60313) – Frankfurt am Main
We’re looking forward to meeting you in Frankfurt!
**[Book your ticket now!](https://live.handelsblatt.com/event/jahrestagung-bankentech/)**
## Speakers
Karl im Brahm
Karl leads the German-speaking Private Banking and Wealth Management Markets as Objectway CEO DACH Region and Banking Practice Leader. He brings more than 28 years of experience in the Banking Sector, with with a deep-rooted experience in delivering digital transformation projects and supervising Client Management and Business Development teamworks. He has gained a Business Degree from University of Bonn in 1993.
## Related
[All](#)[\#customerexperience](#)[\#oneobjectway](#)[\#portfoliomanagement](#)[\#sponsor](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
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**Categories:** Event
**Tags:** #artificialintelligence, #bankingadministration, #client-relationship, #clientexperience, #customerexperience, #digitaltransformation, #financialservices, #fintech
---
### [Objectway partecipa alla XX Edizione del Forum Private Banking organizzato da AIPB21 Novembre 2024](https://objectway.com/objectway-partecipa-alla-xx-edizione-del-forum-private-banking-organizzato-da-aipb/)
**Published:** November 18, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway è sponsor della XX Edizione del Private Banking Forum di AIPB. Il grande evento della community private per discutere i temi del momento.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway partecipa alla XX Edizione del Forum Private Banking organizzato da AIPB
21 Novembre 2024 – Objectway torna come sponsor al XX Forum del Private Banking per discutere insieme a numerosi esperti i più importanti temi del momento.
AIPB Forum 2024 – I capitali privati per la crescita: il ruolo del Private Banking
Gianbattista Geroldi, CEO Italia Objectway, illustra quali sono i fattori che stanno determinando la crescita del mercato del private banking in Italia, evidenziando le evoluzioni dei modelli di servizio per effetto dell’AI.
## Agenda
21 Novembre 2024
09:00 – 14:00
XX Forum Private Banking
Objectway parteciperà come sponsor alla nuova edizione del Forum del Private Banking con lo scopo di approfondire e cogliere le best practices che stanno portando l’industria del private banking ad una progressiva evoluzione.
Un settore maturo come quello del private banking viene quindi chiamato a fare i conti con le correnti portate avanti dalle nuove generazioni della clientela digitale, la quale considera sempre più gli strumenti e le tecnologie digitali come la base per la propria relazione con il consulente. Quest’ultimo riveste quindi un ruolo ibrido, basato sulla relazione umana e sull’impiego delle tecnologie più disruptive, come l’intelligenza artificiale generativa.
Objectway, in qualità di partner strategico nella trasformazione digitale di banche private, asset e wealth managers, pone particolare attenzione a questi aspetti, nell’ottica di incentivare e migliorare l’onboarding e l’engagement dei clienti finali.
Vieni a trovarci: l’accesso è riservato agli Associati.
## Event Information
Giovedì 21 Novembre 2024
Vieni a trovarci a Milano e **[scopri di più!](https://www.aipb.it/it/xx-forum-del-private-banking-il-private-banking-la-crescita)**
## Conference Delegates
Gianbattista Geroldi
Gianbattista leads Objectway’s Italian business and is part of the board of directors of the group, as CEO Italy. With more than 20 years of experience in the financial services industry, Gianbattista held senior management position in investment service software company before joining Objectway. He has successfully driven the operation and sales of several business across the wealth and asset management industry, consolidating the leadership of Objectway’s solutions in the Italian market.
Nicola Pepè
Nicola has been working for Objectway for more than 10 years and in 2019 he has become Senior Business Development Manager for ITO Sales Management League. Customer support, competition analysis and management of the different phases of release and development of the main operating platforms, are just some of the areas where Nicola operates.
Max Renzulli
Max developed his career in wealth management working at HSBC Private Bank, Goldman Sachs and JP Morgan Private Bank, in asset management at BNP Paribas Securities Services and in Fund Services at Citibank. Previously, he also held the role of General Manager of AMS (Asset Management Services) for 2 years. Since 2021, Max has become a Partner at Parva, a consulting firm with a European footprint, as leader of the Asset & Wealth Management Business Practice. His client-oriented vision, ability to manage complex projects and expertise in product management are key elements of success. From March 2024, Max has been appointed Objectway’s Managing Director of Advisory Tribe and Market Solution Director for Wealth and Asset Management.
## Related
[All](#)[\#about-objectway](#)[\#client-relationship](#)[\#financialservices](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
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[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
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[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
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**Categories:** Event
**Tags:** #bankingadministration, #customerexperience, #privatebanking
---
### [Objectway nella Top100 dell’ICT sostenibile](https://objectway.com/objectway-nella-top100-dellict-sostenibile/)
**Published:** November 28, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway è stata inclusa nella classifica TOP 100 DELL’ICT SOSTENIBILE 2024 posizionandosi al 58° posto.
**Content:**
[](/news/)
View all News
# Objectway nella Top100 dell’ICT sostenibile
L’impatto sociale e la qualità dell’innovazione fanno la differenza
Objectway è stata inclusa nella classifica TOP 100 DELL’ICT SOSTENIBILE 2024 posizionandosi al 58° posto.
Per l’edizione 2024 della classifica promossa da Data Manager, è stato adottato un approccio che si basa sulla misurazione oggettiva di variabili che contribuiscono a **qualificare il profilo reputazionale delle aziende**, con ricadute significative su produttività, capacità competitiva ed equity complessiva.
Oltre al fatturato, l’edizione 2024 della Classifica Top 100 si è concentrata su tre nuovi indicatori: **sostenibilità, uguaglianza di genere e capacità di attrarre e trattenere i talenti**, proponendo una visione innovativa del successo aziendale, ovvero ampliando l’analisi oltre la performance finanziaria per includere indicatori quantitativi della capacità di creare valore sostenibile a lungo termine e crescita responsabile, grazie all’integrazione delle componenti ESG nelle strategie operative e di business.
Questo cambio di prospettiva non è solo una questione etica, ma rappresenta un vantaggio competitivo. Le aziende capaci di investire su questi temi costruiscono una reputazione più solida, attraggono talenti e fidelizzano i clienti, e sono inoltre meglio attrezzate per affrontare le crisi, assicurare la continuità operativa, e gestire la dimensione del multirischio, grazie a modelli di business più agili e responsabili.
La classifica è consultabile a questo link: .
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[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
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[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
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**Categories:** Awards
**Tags:** #customerexperience, #financialservices, #fintech, #investmentmanagement, #oneobjectway, #sustainability, #wealth-management
---
### [Objectway: cresce la domanda per i modelli as a Service](https://objectway.com/objectway-cresce-la-domanda-per-i-modelli-as-a-service/)
**Published:** November 27, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Per competere in un mercato sempre più digitale e integrato, gli operatori devono puntare su efficienza, scalabilità, personalizzazione e modelli as a Service.
**Content:**
[](/news/)
View all News
# Objectway: cresce la domanda per i modelli as a Service
27 Novembre 2024 – Per competere in un mercato sempre più digitale e integrato, operatori di ogni dimensione devono puntare su efficienza e scalabilità, personalizzazione, innovazione tecnologica e dei modelli di servizio
Nuovi modelli di servizio as a Service e spinta tecnologica, con l’intelligenza artificiale in testa, per il private e il wealth management. «Oltre alla domanda di innovazione tecnologica, sta evolvendo anche la necessità di adottare nuovi modelli di servizio nel private banking e nel wealth management – racconta Gianbattista Geroldi, CEO Italia di Objectway. È un’esigenza che manifestano non solo gli operatori di piccole o medie dimensioni, ma sempre più frequentemente anche istituti di dimensioni significative con una connotazione internazionale».
Modelli di servizio as a Service
Cresce infatti la richiesta di servizi in modalità Business Process as a Service, per esternalizzare alcuni processi di business e consentire agli operatori finanziari di automatizzare e ottimizzare l’operatività. «Oggi oltre l’80% dei nostri clienti sul mercato italiano utilizza i servizi in modalità SaaS o BpaaS, con oltre 300 miliardi di euro di asset in gestione e amministrazione – commenta Geroldi.
La spinta innovativa dell’intelligenza artificiale
Mai come oggi, inoltre, l’innovazione tecnologica a servizio del settore è focalizzata sull’intelligenza artificiale, sia per ottenere un risparmio sui costi operativi grazie all’automazione dei processi, sia per aumentare i ricavi, grazie all’offerta di nuovi servizi a valore aggiunto. «Nei nostri progetti di innovazione applichiamo una combinazione di tecnologie che includono anche componenti di AI in numerosi ambiti: ottimizzazione del portafoglio e del rischio; acquisizione e gestione dei dati non strutturati presenti nella documentazione e nei moduli a disposizione dei professionisti; semplificazione della verifica dei documenti e dei controlli di conformità per velocizzare l’onboarding e aumentare i tassi di conversione; e – chiosa Geroldi – stiamo introducendo assistenti virtuali che aiutano gli advisor nella operatività quotidiana e nella gestione efficiente e proficua della relazione con i clienti».
Budget IT in aumento per affrontare le sfide di domani
Wealth e asset manager proseguiranno anche il prossimo anno a investire nell’innovazione tecnologica. In particolare, in Italia si stima un aumento dei budget dedicati del 5% rispetto al 2024 (previsioni Celent, NdR). «Alcuni dei fattori che guideranno la strategia di spesa IT in Italia e in Europa saranno legati alla concorrenza delle fintech e delle neo-banche, insieme alla compliance con i requisiti normativi, all’ammodernamento della tecnologia legacy e al miglioramento dell’efficienza operativa. Per il settore l’innovazione tecnologica rappresenta quindi una delle principali leve per competere sul mercato, anzi direi una necessità strategica per affrontare un futuro sempre più digitale e integrato. Per prepararsi alle sfide di domani – conclude Geroldi – gli operatori dovranno puntare su: efficienza e scalabilità, personalizzazione, innovazione tecnologica e dei modelli di servizio».
I clienti ci riconoscono come un partner strategico a cui rivolgersi non solo per innovare lo stack tecnologico, ma anche per ottenere consulenza altamente specializzata per l’ottimizzazione dei processi, la gestione del cambiamento e per essere accompagnati nell’evoluzione del loro modello di servizio.
[](https://www.linkedin.com/in/gianbattista-geroldi-070a322a/)### Gianbattista Geroldi
CEO Italia, Objectway
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
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**Categories:** Article
**Tags:** #efficiency, #operationalefficiency, #privatebanking, #softwareasaservice, #wealthmanagementtrends, #wealthmanagers
---
### [Leveling Up: How Banks Must Play The Innovation Game To Stay Ahead](https://objectway.com/leveling-up-how-banks-must-play-the-innovation-game-to-stay-ahead/)
**Published:** November 11, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** The financial services sector is undergoing a significant transformation, largely driven by rapid technology innovation. We talk about it with Handelsblatt.
**Content:**
[](/news/)
View all News
# Leveling Up: How Banks Must Play The Innovation Game To Stay Ahead
11th November 2024 – The financial services sector is undergoing a profound transformation, fueled by rapid technological advancements and shifting investor behaviors and needs. This evolution requires a complete reimagining of traditional business models, focusing on enhancing customer experience through personalized, data-driven services, all while navigating the ongoing challenges of efficiency, compliance, and trust. In his latest article with Handelsblatt, Karl im Brahm, CEO DACH region at Objectway, explores these critical developments.
The financial services sector is undergoing a significant transformation, largely driven by rapid advances in technology and changes in investor behaviour and needs. This entails reshaping traditional business models, improving the customer experience through personalised, data-driven services, while addressing the constant yet evolving challenges of efficiency, compliance and, ultimately, trust.
AI-augmented Personalization
Investors are now looking for more tailored advice, pushing banks to adopt AI-powered solutions that span the entire customer journey. While banks hold vast amounts of customer data, many are failing to meet growing expectations for personalised service. To catch up, financial institutions must quickly adopt AI technologies such as machine learning (ML), natural language processing (NLP) and chatbots. By analysing customer data, AI can enable hyper-personalised investment recommendations and optimise portfolios to reflect the customer’s financial behaviour. Through behavioural finance, for example, AI can help advisors make more rational decisions by removing bias and human emotion from the equation. With such innovations, wealth advisors can manage larger and more diverse groups of investors without compromising the quality of advice.
Beyond financial data, AI-powered tools such as NLP can analyse unstructured data from social media, emails and other communication channels. This enables wealth advisors to understand their clients‘ moods and emotions, and integrate this knowledge into financial strategies. With this capability, advisors will not only deliver personalised content, but also adapt advice based on the investor’s emotional state.
Hybrid Advisory, explained
While AI can enhance client engagement through personalisation, there is also growing momentum around hybrid advisory models that combine AI-driven automation with human expertise. High-net-worth clients or those with complex financial situations will particularly benefit from such hybrid models, which allow AI to handle time-consuming tasks while allowing advisors to focus on higher-value strategic decisions.
Generational change is also influencing the landscape. As millennial and Gen Z investors increasingly expect round-the-clock advice, seamless communication via digital interfaces has become critical. Chatbots and virtual assistants, already in widespread use, are evolving to handle more complex tasks and queries without diverting customers to call centres. In addition, trends such as „educate your customer“ are gaining traction, with customers demanding greater transparency and understanding behind financial recommendations. Banks will need to invest in Explainable AI to provide clear and understandable insights into AI-assisted advice.
The road to Engagement Banking
The shift from viewing banks as mere service providers to trusted partners is integral to the future of financial services. To foster long-term customer loyalty, banks must move towards „engagement banking“, where personalised, targeted solutions are provided throughout the customer lifecycle. Financial institutions should empower investors with continuous status updates and actionable recommendations, making them active participants in their financial planning.
Younger investors in particular are looking for more than just financial advice; they want a partner to help them achieve their life goals. By focusing on long-term financial well-being, providing educational resources and offering transparent, personalised strategies, banks can differentiate themselves in an increasingly competitive market.
The Future of Financial Services: Efficiency Through Outsourcing
As the financial services industry evolves, outsourcing will continue to play a key role, especially through fintech partnerships. The European banking sector in particular is witnessing a surge in fintech collaborations as banks look to reduce costs, adopt innovative technologies and remain competitive in an increasingly fragmented market. Outsourcing models – particularly through cloud-based solutions – offer banks the flexibility and efficiency they need to thrive in this environment.
Even traditionally conservative institutions such as private banks are recognising the benefits of outsourcing to improve cost efficiency and service delivery. Modularity and interoperability in IT systems are emerging as key strategies for reducing complexity and promoting cross-border standardisation. Modular applications allow banks to outsource non-core functions while retaining control over critical services. This approach not only improves operational efficiency, but also ensures regulatory compliance.
In conclusion, as technology continues to reshape financial services, institutions that embrace AI-powered personalisation, hybrid advisory models, a focus on the long-term well-being of their customers, and strategic outsourcing will be well-positioned to meet the evolving needs of their customers. By embracing innovation, banks can transform their business models and deliver more tailored, scalable solutions that increase customer loyalty and operational efficiency. The financial services industry is at a critical juncture, and those who invest in technology today will shape the industry of tomorrow.
As technology continues to reshape financial services, institutions that embrace AI-powered personalisation, hybrid advisory models, a focus on the long-term well-being of their customers, and strategic outsourcing will be well-positioned to meet the evolving needs of their customers.
[](https://www.linkedin.com/in/karl-im-brahm/)### Karl im Brahm
CEO DACH Region, Objectway
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
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**Categories:** Article
**Tags:** #bankingadministration, #privatebanking, #wealthtech, advisory
---
### [Close Brothers Asset Management partners with Objectway to drive growth and innovation](https://objectway.com/close-brothers-asset-management-partners-with-objectway-to-drive-growth-and-innovation/)
**Published:** November 21, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** By adopting Objectway's Portfolio Management solution, CBAM will drive digital transformation and customer-centric expansion to achieve its strategic goals.
**Content:**
[](/news/)
View all News
# Close Brothers Asset Management partners with Objectway to drive growth and innovation
By adopting Objectway’s Portfolio Management solution, CBAM will drive digital transformation and customer-centric expansion to achieve its strategic goals.
London, 21st November 2024 – CBAM, one of the UK’s leading specialist investment management and financial planning firms with over £20 billion of assets under management, has chosen Objectway to support its growth strategy and enhance its offering, aiming to become the best place in the UK for wealth management professionals and their clients.
The key factors in selecting Objectway were its comprehensive and sophisticated front office capability coupled with its forward-looking innovation roadmap, which underlines its commitment to continuously improving the product for all clients.
[](https://www.linkedin.com/in/gregg-clarke-24428810/)### Gregg Clarke
CCO at CBAM
Objectway’s advanced portfolio management solution represents a significant step forward in CBAM’s digital transformation. The solution will enhance the functionalities available to CBAM, enabling proactive compliance, effective risk management, scalable dealing practices, optimised returns, and consistency in performance reporting for clients. By leveraging Objectway’s best-in-class user experience, CBAM will also see improved front-office efficiency, allowing Investment Managers to focus more on efficiency and client relationship management.
We are delighted to be working with Gregg Clarke and his team at Close Brothers Asset Management as they embark on this ambitious digital transformation. This collaboration underlines Objectway’s commitment to enabling growth in our industry by providing adaptable, scalable solutions that meet evolving market demands and set new standards in client service excellence.
[](https://www.linkedin.com/in/sandrocassar/)### Dr. Alexander Cassar
CEO of Objectway UK
Recent industry data highlights the essential role that modern portfolio management solutions play in enhancing productivity and operational efficiency. Wealth and asset managers can expect up to a 65% increase in productivity and better compliance management by adopting these solutions, empowering them to move from transactional interactions to lifelong client partnerships.
The solution will be delivered as a scalable, as-a-service platform, ensuring streamlined operations and robust growth capabilities. With its open architecture and flexibility, Objectway’s solution enables CBAM to tailor and adapt services as client needs evolve, further cementing CBAM’s commitment to meeting the changing demands of clients in a rapidly shifting market landscape.
## Related
[All](#)[\#compeer](#)[\#customerexperience](#)[\#financialservices](#)[\#markettrends](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
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**Categories:** Press Release
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---
### [“I Want to Break Free” (from Operational Complexity): Building Scalable Wealth Management Operations for Growth](https://objectway.com/building-scalable-wealth-management-operations-for-growth/)
**Published:** November 19, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Today’s wealth managers are being driven to shed operational burdens, streamline processes and rethink their operating models.
**Content:**
[](/news/)
View all News
# “I Want to Break Free” (from Operational Complexity): Building Scalable Wealth Management Operations for Growth
19th November 2024 – In an industry where client demands are increasing, wealth managers face the complex task of balancing operational efficiency with comprehensive service offerings. Tariq Khan, Objectway’s Client Development Director, shares his view on how today’s wealth managers need to rethink their operating models.
Imagine wealth managers humming along to Queen’s “I Want to Break Free”, but with a twist: the tune becomes an anthem not just for freedom from constraints, but from the web of operational complexity. Just as Freddie Mercury sang of breaking free from constraints, today’s wealth managers are being driven to shed operational burdens, streamline processes and rethink their operating models.
So how can they “break free”?
In an industry where client demands are increasing, wealth managers face the complex task of balancing operational efficiency with comprehensive service offerings. As financial products and channels proliferate, traditional operating models become cumbersome and costly, requiring wealth management firms to rethink their approach.
Historically, firms have relied on management frameworks to streamline processes and reduce costs, but these efforts often yield only temporary gains. To achieve sustainable efficiency, wealth managers need to move from short-term fixes to strategic programmes that refine the entire operating model. This means aligning cost reduction with long-term goals, and distinguishing between essential complexity that drives value and redundancy that dilutes it. Embracing advanced technology is essential as automation, data analytics and self-service options reshape both back- and front-office productivity. This technology-driven transformation frees up advisers to focus on value-adding tasks, ultimately improving the client experience while reducing overheads.
But successful transformation goes beyond technology. A systematic, holistic approach that prioritises projects based on tangible outcomes – targeting both internal efficiencies and client-facing improvements – has proven most effective. For example, by establishing KPIs that track real productivity improvements, firms can more accurately measure the impact of their investments and adapt in real time to evolving market needs.
Back-office transformation is emerging as a cornerstone of operational excellence, linking efficiency to revenue growth. By embracing these strategies, wealth managers are positioning themselves not just to meet today’s demands, but to lead the industry with adaptable, scalable models that are poised for future success.
Successful transformation goes beyond technology. A systematic, holistic approach that prioritises projects based on tangible outcomes has proven most effective.
[](https://www.linkedin.com/in/tariqkhan5/)### Tariq Khan
Client Development Director, Objectway
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
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---
### [Objectway to sponsor upcoming 2024 National Conference by PMAC12th November 2024](https://objectway.com/objectway-to-sponsor-upcoming-2024-national-conference-by-pmac/)
**Published:** November 10, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will be Gold+ Sponsor at 2022 PMAC National Conference in Toronto
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway to sponsor upcoming 2024 National Conference by PMAC
12th November 2024 – For the second year in a row, Objectway will be back at PMAC National Conference to meet up with an exceptional lineup of class thought leaders to address key global issues and topics impacting professionals in the industry.
## Agenda
Tuesday, 12th November
8:00 AM – 6:00 PM ET
PMAC National Conference 2024
Kurt Vanhee, Managing Director Continental Europe & North America Objectway
We are thrilled to announce that Objectway will be **Gold Sponsor** of the highly anticipated **2024 PMAC National Conference**, taking place in Toronto on November 12th.
The National Conference is PMAC’s most unmissable event of the year. Join us to delve into Objectway Platform’s features, set to enhance client experience, improve front-office productivity, innovate investment services and enable process automation.
Don’t miss this opportunity to learn and discover how Objectway’s cutting-edge solutions enhance portfolio managers’ efficiency, accuracy, and daily tasks. Come meet **Kurt Vanhee, Managing Director Continental Europe and North America** at our booth.
## Event Information
12th November 2024, Fairmont Royal York Hotel, 100 Front St W, Toronto, ON
Meet us at our booth and **[register here to secure your place at the event.](https://pmac.org/events/2024nationalconference/)**
We’re looking forward to meeting you in Toronto!
## Conference Delegates
Kurt Vanhee
With a professional career of nearly 30 years in various roles in large and medium size banking and IT organizations, Kurt has built a strong knowledge of Wealth Management, IT, Customer Delivery and Business Development activities in an international environment. In his current position at Objectway, as Managing Director Continental Europe & North America, he encourages a customer-centric approach.
## Related
[All](#)[\#customerexperience](#)[\#oneobjectway](#)[\#portfoliomanagement](#)[\#sponsor](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
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[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
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[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
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**Categories:** Event
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---
### [Warum britische Banken doppelt so profitabel sind wie deutsche](https://objectway.com/warum-britische-banken-doppelt-so-profitabel-sind-wie-deutsche/)
**Published:** November 4, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Der britische Markt für Vermögensverwaltung wächst stetig, deutsche Finanzinstitute stagnieren. Alberto Cuccu liefert in seinem Kommentar einen Erklärungsansatz.
**Content:**
[](/news/)
View all News
# Warum britische Banken doppelt so profitabel sind wie deutsche
4\. November 2024 – Der britische Markt für Vermögensverwaltung wächst stetig, deutsche Finanzinstitute stagnieren. Alberto Cuccu liefert in seinem Kommentar einen Erklärungsansatz.
Finanzinstitute in Großbritannien erzielen europaweit die höchsten Umsätze, und dieser Trend nimmt stetig zu. Bis 2029 wird eine jährliche Wachstumsrate von 9,69 Prozent prognostiziert, im Vergleich zu nur einem Prozent in Deutschland. Der britische Markt ist dabei Vorreiter in der digitalen Transformation: Technologien wie KI, Robotic Process Automation und Cloud-Plattformen haben sich längst etabliert. So nutzt bereits die Hälfte aller britischen Banken künstliche Intelligenz, gegenüber nur 25 Prozent der deutschen Vermögensverwalter. Die Folge: Finanzdienstleister in Großbritannien verzeichnen mit etwa elf Prozent deutlich höhere Kapitalrenditen als deutsche Banken mit etwa sechs Prozent.
Britische Banken haben dabei schon früh das Potenzial erkannt, das in der Zusammenarbeit mit Fintechs und spezialisierten Finanzdienstleistern liegt. Viele Finanzinstitute in Deutschland hingegen haben den digitalen Aufschwung verpasst und stehen nun vor der Herausforderung, mit den wachsenden Erwartungen technikaffiner Verbraucher und dem Wettbewerbsdruck von agileren Fintechs Schritt zu halten. Um den Anschluss nicht gänzlich zu verlieren, müssen sie mehr in Digitalisierung investieren, agiler werden und vor allem einen Mentalitätswechsel fördern, bei dem Wachstum und Innovation im Fokus stehen.
Britische Banken lagern aus, während deutsche konservativ bleiben
Ein Grund für die Unterschiede des deutschen und britischen Finanzmarktes liegt in den unterschiedlichen Regulierungslandschaften. Deutsche Finanzmärkte werden in erster Linie von der Bundesanstalt für Finanzdienstleistungsaufsicht und damit der Bafin reguliert, die strenge Compliance- und Aufsichtsvorschriften mit Schwerpunkt auf Finanzstabilität und Anlegerschutz durchsetzt. Die deutsche Regulierung ist durch ein hohes Maß an Zentralisierung und strenger Aufsicht gekennzeichnet.
Britische Behörden hingegen verfolgen einen prinzipienbasierten Ansatz, der vielmehr Marktintegrität und Wettbewerb fördert. Dadurch hat sich eine vielfältige Vermögensverwaltungslandschaft in Großbritannien etabliert: Es gibt mehr unabhängige Bankinstitute mit maßgeschneiderten Finanzlösungen, die einen aggressiveren Anlageansatz verfolgen. Folglich sind auch die Anleger offen für neue Finanzprodukte. So wird beispielsweise die Altersvorsorge überwiegend privat geregelt – in Deutschland dominiert hingegen noch das öffentliche Rentensystem.
Der wesentliche Unterschied ergibt sich aus dem Grundsatz der Vermögensverwaltung: deutsche Banken verfolgen einen konservativen Ansatz und bevorzugen Stabilität gegenüber Disruption und Expansion. Das kann sich jedoch negativ auf ihr Wachstum auswirken – und schafft überdies Platz für neue Konkurrenten auf dem Markt. Auf diese Weise haben sich in Deutschland Neobroker- und Banken wie N26 und Trade Republic etablieren können, die Millionen neuer Kunden der Generation Y und Z für sich gewonnen haben. Britische Banken haben hingegen früh erkannt: um mit den Kundenanforderungen an Digitalisierung Schritt zu halten, müssen sie mit Fintechs zusammenarbeiten, statt zu konkurrieren. So lagern sie immer mehr einzelne Geschäftsbereiche oder Prozesse an spezialisierte Partner aus.
Die Briten zeigen, wie sich eine höhere Ausgabebereitschaft auszahlt
Mit einem Gesamtvolumen von 8,47 Billionen US-Dollar ist Großbritannien der umsatzstärkste Vermögensverwaltungsraum in Europa. Ein wesentlicher Treiber hierzu ist die Bereitschaft der Briten zu digitalen Innovationen. Britische Banken haben früh Technologien wie Hyperautomatisierung, Personalisierung und KI integriert, um Abläufe zu rationalisieren und manuelle Arbeitskosten zu reduzieren.
Ein Großteil unserer britischen Akteure im Finanzsektor investieren maßgeblich in die Digitalisierung. So sind britische Finanzinstitute nicht nur bei der Integration von künstlicher Intelligenz führend, sondern investieren zu 80 Prozent auch bereits in Cloud-Technologien. Die Investitionen zahlen sich aus: der ROI britischer Finanzdienstleister liegt bei ganzen zehn Prozent, während er in Deutschland bei vier Prozent liegt.
Doch in den letzten Jahren ist auch auf dem deutschen Markt ein Wandel zu spüren. Robotic Process Automation (RPA) wird von internationalen Banken weithin eingesetzt, um repetitive und monotone Aufgaben zu automatisieren und dadurch die Betriebskosten erheblich zu senken. Es kann allerdings auch eine steigende Nachfrage der deutschen Kunden nach der Migration in die Cloud beobachtet werden, um Kosten zu sparen, Skalierbarkeit zu erreichen und die Disaster-Recovery-Fähigkeiten zu verbessern. BPaaS-Lösungen werden aufgrund ihrer Skalierbarkeit, Kosteneffizienz und Agilität ebenfalls immer beliebter. Dieses Modell verbessert die Compliance, passt sich schnell an Marktveränderungen an und ermöglicht es Institutionen, sich auf ihre Kernaktivitäten zu konzentrieren, indem komplexe Prozesse an spezialisierte Anbieter ausgelagert werden.
Innovationskultur – wie deutsche Banken den Rückstand aufholen
Umgekehrt können internationale Konkurrenten jedoch auch von deutschen Banken lernen. Finanzinstitute in Deutschland sind gegenüber wirtschaftlichen Schocks sehr widerstandsfähig – das ist ein großer Wettbewerbsvorteil. Auch bei grünen Investitionen und der Ausbildung von Personal dienen sie als Vorbild. Dennoch muss sich schnell ein Mentalitätswechsel vollziehen, wenn Finanzinstitute in Deutschland den Rückstand aufholen wollen. Hierzu muss vor allem eine Kultur gefördert werden, die auf Innovation statt auf langfristiger Stabilität beruht. Dazu müssen Finanzunternehmen bereit sein, mehr in Digitalisierungsvorhaben zu investieren.
Ein Differenzierungsmerkmal wird die Zusammenarbeit mit Fintechs sein. Denn Finanzinstitute müssen sich auf einen Partner verlassen, wenn sie nicht über alle Ressourcen verfügen, um sich eine digitale Umstellung eigenständig leisten zu können. Die Zusammenarbeit mit solchen Unternehmen und die Einrichtung spezieller Innovationszentren können die rasche Entwicklung und Einführung neuer digitaler Dienstleistungen vorantreiben, was zu Kosten- und Zeiteinsparungen führt. So erhalten Unternehmen die Chance, sich zu entfalten.
Britische Banken haben dabei schon früh das Potenzial erkannt, das in der Zusammenarbeit mit Fintechs und spezialisierten Finanzdienstleistern liegt.
[](https://www.linkedin.com/in/karl-im-brahm/)### Alberto Cuccu
Chief Operation Officer - International, Objectway
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
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---
### [Milliarden Potential - Wie Banken die nächste Anleger-Generation gewinnen](https://objectway.com/milliarden-potential-wie-banken-die-nachste-anleger-generation-gewinnen/)
**Published:** October 21, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Vermögensverwalter müssen mit den wachsenden Ansprüchen ihrer Anleger Schritt halten. Hier die Sicht von Karl im Brahm, Objectway CEO DACH Region.
**Content:**
[](/news/)
View all News
# Milliarden Potential – Wie Banken die nächste Anleger-Generation gewinnen
21\. Oktober 2024 – Vermögensverwalter stehen vor der Herausforderung, mit den wachsenden Anforderungen ihrer Anleger Schritt zu halten.
Die wohlhabende Mittelschicht, bekannt als Affluent-Segment, gewinnt dabei zunehmend an Bedeutung und wird künftig voraussichtlich mehr als die Hälfte der Investoren ausmachen. Diese Gruppe fordert maßgeschneiderte Lösungen und sucht in ihrer Bank einen Partner, der sie aktiv beim Vermögensaufbau unterstützt. Finanzinstitute müssen weg von standardisierten Produkten hin zu personalisierten Leistungen gehen, um Anleger kontinuierlich und proaktiv bei ihren individuellen Zielen zu begleiten. Auch die finanzielle Bildung, die Integration ergänzender Dienstleistungen und die Positionierung in Marktnischen werden zu wichtigen Differenzierungsmerkmalen und bestimmen, welche Bank die neue Anlegergeneration für sich gewinnt.
Die Demokratisierung des Wealth Managements gewinnt an Fahrt. Ein wesentlicher Treiber hierfür ist die fortschreitende Digitalisierung, die inzwischen auch bei den konservativen Traditionsbanken in Deutschland Einzug hält – bereits die Hälfte unter ihnen kooperiert mit Fintechs, um den digitalen Wandel voranzutreiben. Parallel dazu verändert sich auch die Struktur der Anleger: Sie werden immer jünger und heterogener. Besonders das Affluent-Segment, also die wohlhabende Mittelschicht, rückt zunehmend in den Fokus der Vermögensverwalter und bietet ein enormes, bisher unerschlossenes Potenzial. Nach Ansicht von Marktanalysten wird dieses Segment künftig 60 Prozent der gesamten Einnahmen im Sektor ausmachen.
Wenn Finanzinstitute mit Neobanken mithalten und neue Kundengruppen für sich gewinnen wollen, muss ein Umdenken stattfinden: Banken müssen verstehen, dass sie für ihre Investoren nicht nur Dienstleister sind, sondern Partner, die sie bei der Verwirklichung ihrer Träume unterstützen. Um das nächste Level der Kundenbindung zu erreichen, müssen Privatbanken hierfür weg von einfachen Finanzprodukten hin zum „Engagement Banking“. Das bedeutet, dass sie ihren Investoren personalisierte Lösungen anbieten müssen, die auf individuelle Ziele zugeschnitten sind. Digitale Tools sollten kontinuierliche Handlungsempfehlungen und Statusupdates bereitstellen, um Anleger aktiv in ihre Finanzplanung einzubeziehen und sie dabei zu unterstützen, ihre Lebensziele zu erreichen. Das langfristige finanzielle Wohlbefinden rückt stärker in den Fokus der Investoren. Besonders junge Anleger wollen hierfür von ihren Banken an die Hand genommen, finanziell ausgebildet und mit Anlagestrategien ausgestattet werden. Das Level an persönlicher und proaktiver Kundenbindung wird entscheidend sein in dem Wettbewerb um die immer anspruchsvolleren Bankkunden.
45 Milliarden US-Dollar Potential
45 Milliarden US-Dollar Potential – Warum Banken die aufstrebende Mittelschicht brauchen Bisher lag der Fokus im Wealth Management auf den Ultra-High Net Worth Individuals (UHNWIs) und High Net Worth Individuals (HNWIs), also auf wohlhabenden Personen mit Privatvermögen in Millionenhöhe. Doch in den letzten Jahren gewinnt das Mass-Affluent-Segment zunehmend an Bedeutung. Nach mehreren Analysen werden diese Anleger bis 2026 rund 45 Milliarden US-Dollar an neuen Erträgen generieren, was über die Hälfte des gesamten Wealth-Management-Marktes ausmachen wird. Trotz dieses Potenzials bedienen Vermögensverwalter derzeit nur zehn bis 15 Prozent dieses wachsenden Marktes. Anleger, die häufig jung und digital affin sind, erwarten ein müheloses und zugleich maßgeschneidertes Bankerlebnis. Neben den klassischen Vermögensverwaltungsfunktionen wünschen sie sich Unterstützung bei der Budgetierung, Ausgabenverfolgung, Zielsetzung und Vermögensplanung. Nur Wealth Manager, die diese Anleger für sich gewinnen, werden in Zukunft im Wettbewerb führend sein. Dazu müssen sie jedoch zunächst die Bedeutung dieser Zielgruppe anerkennen und aktiv in ihre Kundenbindungsstrategien integrieren.
Finanzbildung ist der neue Schlüssel zur langfristigen Kundenbindung
In der sich wandelnden Finanzlandschaft reicht es nicht mehr aus, dass Banken lediglich gute Finanzprodukte anbieten. Zwar bleibt die Grundlage der Vermögensberatung – Budgetverfolgung, Vermeidung von Kontoüberziehungen und das Erreichen von Sparzielen – wichtig, doch die Ansprüche gehen deutlich darüber hinaus. Anleger wünschen sich heute auch professionelles Schuldenmanagement und eine Verlinkung zu ergänzenden Dienstleistungen und alternativen Anlagen, wie beispielsweise Versicherungen, tokenisierten Vermögenswerten, Immobilien oder Kunst. Vor allem aber spielt die Finanzbildung eine immer größere Rolle. Besonders für das aufstrebende Segment der wohlhabenden Mittelschicht wird sie laut im Brahm zum entscheidenden Differenzierungsmerkmal werden. Die neue Generation sucht aktiv nach Aufklärung über Anlagestrategien und Vermögensaufbau. Sie betrachtet ihre Bank nicht nur als Verwahrer ihres Kapitals, sondern als aktiven Partner auf dem Weg zum Wohlstand. Investoren werden von ihrer Bank proaktive Beratung und maßgeschneiderte Bildungsangebote fordern. Diese sollten beispielsweise mittels interaktiven Tools zur Finanzplanung sowie regelmäßigen Updates zu Marktentwicklungen und Anlagemöglichkeiten vermittelt werden. Durch die Integration von Finanzbildung in ihr Kerngeschäft können Banken nicht nur das Vertrauen ihrer Kunden stärken, sondern auch deren sogenannte finanzielle Gesundheit fördern. Ein Win-win-Szenario, das die Kundenbindung nachhaltig verbessert und das Image der Bank als verantwortungsvoller Partner festigt.
Wie Banken ihre Marktposition und ihre Kundenleistungen personalisieren und vermarkten müssen
Im Private Wealth Management gewinnen personalisierte Leistungen zunehmend an Bedeutung. Die eigentliche Herausforderung besteht jedoch darin, diese Personalisierung auf allen Ebenen der Bank zu implementieren. Mit der wachsenden Vielfalt der Anlegergruppen werden auch deren Bedürfnisse immer differenzierter. Führende Banken werden darauf reagieren, indem sie spezialisierte Bereiche einführen: von der Cashflow-Analyse für Kleinunternehmen über die Verwaltung von Studentenschulden bis hin zu familienorientierten Angeboten wie Teenager-Banking. Entscheidend ist, dass Finanzinstitute ihr Wertversprechen individuell auf jeden Anleger zuschneiden, diesen kontinuierlich daran erinnern und das Leistungsangebot fortlaufend weiterentwickeln. Gleichzeitig liegt eine bedeutende strategische Chance für Vermögensverwalter darin, eine Marktnische zu besetzen und sich gezielt als führender Anbieter für ein bestimmtes Marktsegment zu positionieren. Durch eine konsistente Kommunikation ihrer spezifischen Leistungen können Banken Kunden langfristig binden. Das Zeitalter der Einheitslösungen für alle Kunden ist vorbei – der Erfolg liegt in der individualisierten Ansprache und Betreuung jedes einzelnen Anlegers.
Entscheidend ist, dass Finanzinstitute ihr Wertversprechen individuell auf jeden Anleger zuschneiden, diesen kontinuierlich daran erinnern und das Leistungsangebot fortlaufend weiterentwickeln. Gleichzeitig liegt eine bedeutende strategische Chance für Vermögensverwalter darin, eine Marktnische zu besetzen und sich gezielt als führender Anbieter für ein bestimmtes Marktsegment zu positionieren.
[](https://www.linkedin.com/in/karl-im-brahm/)### Karl im Brahm
CEO DACH Region Objectway
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
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### [Objectway partecipa al 1° Wealth Management Summit organizzato da We Wealth15th October 2024](https://objectway.com/objectway-and-finint-private-bank-al-wealth-management-summit-2024/)
**Published:** October 13, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway e Finint Private Bank partecipano all'evento di We Wealth per illustrare i punti chiave per costruire un wealth management italiano di successo.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway partecipa al 1° Wealth Management Summit organizzato da We Wealth
15 ottobre 2024 – In occasione del Summit organizzato da We Wealth dal titolo “Designing the Future of Wealth Management”, Objectway presenterà i punti chiave per costruire un wealth management italiano di successo rinnovando il settore.
## Agenda
Martedì, 15 ottobre 2024
13:30
Focus Innovazione: Nuove Piattaforme per il Wealth
Nicola Pepè, Senior Business Development Manager, Objectway
**Objectway** avrà l’onore di partecipare al prossimo **Wealth Management Summit** organizzato da We Wealth, dedicato al futuro del Wealth Management in Italia.
L’industria del Wealth Management sta attraversando una rapida trasformazione con nuove regole, modelli di servizio e tecnologie. L’integrazione dell’intelligenza artificiale e dell’automazione dei processi nella gestione patrimoniale può indubbiamente snellire i flussi di lavoro dei consulenti, alleggerendoli dalle attività amministrative per concentrarsi al meglio sulla relazione con il cliente. Tra le grandi sfide del WM vi è anche la conquista di segmenti di clientela non ancora pienamente presidiati, come gli affluent e le nuove generazioni.
Nel suo intervento, **Nicola Pepè, Senior Business Development Manager, Objectway** illustrerà in che modo le nuove piattaforme di advisory possono supportare il cliente, migliorando la collaborazione e rinnovando il settore. Nicola evidenzierà inoltre come piattaforme e tecnologie avanzate possano supportare modelli di servizio innovativi e semplificazione operativa, ad esempio grazie alla transizione verso interfacce vocali tramite l’utilizzo dell’intelligenza artificiale. Un’opportunità per migliorare ulteriormente il servizio di consulenza.
**[Riserva subito il tuo posto](https://www.we-wealth.com/wealth-management-summit)** e vieni a trovarci per conoscere meglio come rinnovare le dinamiche più tradizionali attraverso l’uso della tecnologia e rafforzare in questo modo la relazione con il cliente.
## Event Information
Martedì 15 ottobre 2024, Circolo Filologico Milanese, Via Clerici 10, 20121 Milano
Non perderti il primo evento esclusivo dedicato al Wealth Management in Italia!
**[Registrati Ora!](https://www.we-wealth.com/wealth-management-summit)**
## Speakers
Nicola Pepè
Nicola has been working for Objectway for more than 10 years and in 2019 he has become Senior Business Development Manager for ITO Sales Management League. Customer support, competition analysis and management of the different phases of release and development of the main operating platforms, are just some of the areas where Nicola operates.
## Related
[All](#)[\#customerexperience](#)[\#oneobjectway](#)[\#portfoliomanagement](#)[\#sponsor](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
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### [Objectway lands in Canada as Silver Sponsor of next YNCN Career Fair4th October 2024](https://objectway.com/objectway-in-canada-as-silver-sponsor-of-next-yncn-career-fair/)
**Published:** October 2, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** YNCN Career Fair will be an exciting opportunity for students and graduates in STEM disciplines to connect with our experts. Discover your future career path.
**Content:**
[](/news/)
Back to HR events
# Objectway lands in Canada as Silver Sponsor of next YNCN Career Fair
4th October 2024 – You’re next Career Network (YNCN) will be an exciting opportunity for students and graduates in STEM disciplines to connect with our experts and evaluate upcoming career opportunities.
## Agenda
4th October 2024
10:00 AM – 4:00 PM (ET)
You’re Next Career Network (YNCN) Career Fair
You’re next Career Network (YNCN) has grown to be the University of Toronto’s largest student-run professional development network. Main goal of the association is to provide opportunities to students through career development programs, offering career fairs and recruitment events to network and gain professional experience.
At the upcoming Fall Career Fair, our industry professionals will be ready to welcome you to our booth to explore potential career paths available in our company, while preparing you for the application process, with a focus on the Computer/Electrical, Engineering & Computer Sciences fields.
Get ready to meet us and join an international, collaborative, and welcoming environment, and immerse yourself in our dynamic culture!
**[Explore our open job positions here!](https://nestwealth.com/careers/)**
## Event Information
4th October 2024, The Carlu, 444 Yonge Street, Toronto
We’re looking forward to meeting you in Toronto!
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4 August 2026
[Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen](https://objectway.com/skalierungslucke-warum-ki-investitionen-an-der-kundenschnittstelle-verpuffen/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen
4 August 2026
[OWIN26: as-a-service e AI per trasformare la complessità in efficienza](https://objectway.com/owin26-as-a-service-e-ai-per-trasformare-la-complessita-in-efficienza/)[Article](https://objectway.com/category/article-genitore/article-glo/)### OWIN26: as-a-service e AI per trasformare la complessità in efficienza
8 July 2026
## Sign Up for our Newsletter
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**Categories:** HR Events
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---
### [Objectway sponsors next Securities Industry Conference 2024 by Goodacre4th October 2024](https://objectway.com/objectway-sponsors-next-securities-industry-conference-2024-by-goodacre/)
**Published:** October 2, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway teams up again with Goodacre for Securities Industry Conference 2024 in London. Check the event agenda and sign up!
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway sponsors next Securities Industry Conference 2024 by Goodacre
4th October 2024 – Objectway teams up again with Goodacre for Securities Industry Conference 2024 in London. Check the event agenda and sign up!
## Agenda
4th October 2024
9:00 – 13:00
The Securities Industry Conference 2024
Tariq Khan, Objectway Client Development Director
The **Securities Industry Conference** is the premier event for discussing the strategies, challenges, and practical interests of the UK market. It provides an excellent opportunity to look ahead to the future of wealth management and consider the factors that will impact the sector.
The agenda is tailored to include subjects and spokespersons that will give their valuable contribution with insightful discussions focused on the most recent trends and findings that are shaping the market.
**Tariq Khan, Objectway’s Client Development Director**, will articulate his insights on the prevailing dynamics of the industry, its associated challenges, and forthcoming prospects. His discourse will delineate aspects of resilience while accentuating domains conducive to innovation and enhancement.
Gear up to meet us and learn more about how **Objectway Platform** can boost efficiency in your day-to-day tasks, better serve your clients and increase revenues with a smart client management solution.
## Event Information
4th October 2024, NatWest, 280 Bishopsgate, London
The conference will qualify for 4 hours of CPD.
For further information about the event registration, **[click here!](https://www.goodacreuk.com/forthcoming-trainings/securities-industry-conference2024)**
## Speakers
Tariq Khan
Tariq is Client Development Director at Objectway – global player offering end-to-end digital-ready solutions for Wealth, Bank & Asset Managers. Tariq has been working with UK wealth managers for over 10 years, with a focus on digital transformation, advising firms on how they can make the most of digital solutions in order to improve their client experience, operational efficiency, and become future ready.
## Related
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[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
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### [Objectway joins The Wealth Mosaic for The Client Experience Toolkit Roadshow 20243rd October 2024](https://objectway.com/objectway-joins-the-wealth-mosaic-for-the-client-experience-toolkit-roadshow-2024/)
**Published:** September 30, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** The TWM Client Experience Toolkit Roadshow is the opportunity for wealth managers to discuss key technology themes and tools impacting global wealth management.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway joins The Wealth Mosaic for The Client Experience Toolkit Roadshow 2024
3rd October 2024 – The Client Experience Toolkit Roadshow stands as the ultimate opportunity for wealth managers to discuss key technology themes and tools impacting global wealth management. **[Click here](https://www.eventbrite.co.uk/e/the-client-experience-toolkit-roadshow-2024-london-tickets-891214545697?aff=TWMWeb)** to proceed with your registration now!
## Agenda
3rd October 2024
3:30 PM – 7:30 PM
The Client Experience Toolkit Roadshow 2024
Dr. Alexander Cassar, Chief Business Operation Officer, Objectway
Tariq Khan, Client Development Director, Objectway
Paul Fulford, Senior Client Solution Leader, Objectway
Get ready to meet us at the London edition of the **Client Experience Toolkit 2024 Roadshow** organized by The Wealth Mosaic. The event will dive into the latest trends, themes and technologies shaping client experience in wealth management.
The wealth management sector clients are changing. Heightened expectations, new investors’ segments, different needs, greater focus on technology and a technology-enabled client experience are crucial for today’s client-relevant wealth management business.
The Client Experience Toolkit Roadshow will be a time for some of the major industry players to discuss how wealth managers can deliver a modern client experience in 2024. With this in mind, The Wealth Mosaic has developed a CX dedicated programme, featuring eminent keynote speakers to uncover and share insights into the driving themes of CX in wealth management.
Our **Chief Business Development Officer, Dr. Alexander Cassar**, will be joining the **Panel Discussion titled “Delivering a Modern Client Experience”** to outline how the traditional model of high-touch, face-to-face interactions is giving way to a hybrid approach that leverages digital tools to enhance client experience, preserving the personal touch that HNW individuals expect.
Don’t miss out the opportunity to hear our CX-related technology demo straight from the voice of our Objectway experts, **Tariq Khan, Client Development Director**, and **Paul Fulford, Senior Client Solution Leader**. They will emphasise how the **Self-Service and Hybrid Digital Channel Objectway Platform** solution is designed for integrating automated tools for independent financial management with personalised guidance through digital platforms, optimizing client interaction and enhancing financial decision-making capabilities.
The Conference Agenda takes its starting point from The **Client Experience Toolkit by The Wealth Mosaic**, a thematic report showcasing CX-related themes and among them a contribution by Roger Portnoy, Objectway’s Chief Strategy Officer. Interested in accessing the Client Experience Toolkit 2024? You can read the report online **[here](https://objectway.com/download-analyst-research-client-experience-toolkit-2024/)**.
## Event Information
Tuesday, 3rd October 2024, Eight Members Club Moorgate, 1 Dysart Street London EC2A 2BX United Kingdom
Join us and **[register here to secure your place at the event.](https://www.eventbrite.co.uk/e/the-client-experience-toolkit-roadshow-2024-london-tickets-891214545697?aff=TWMWeb)**
We’re looking forward to meeting you in London!
## Speakers
Dr. Alexander Cassar
Sandro is responsible for the improvement of the Group’s Business Operations. He has joined Objectway in 2019 and now he is Objectway UK Board Member. He personally delivered a variety of change initiatives working at Director/CXO level in the wealth and asset management industry, supervising global large-scale transformation programmes in financial services. Sandro is a chartered accountant with Doctorate and Master’s Degrees in strategic information systems for wealth and asset management.
Tariq Khan
Tariq is Client Development Director at Objectway and he leads the Business Development and Account Management teams. Tariq is passionate about Wealth management sector and has been working with Wealth Managers for over 15 years, with the prime focus on delivering outstanding client outcomes. He and his team try and achieve this by forming long term partnerships with firms and enabling them to improve their user and end client experience, operational efficiency, and become future ready through Objectway’s digital solutions. Tariq studied Physiology at Kings College London and he holds the Islamic Finance Qualification.
Paul Fulford
Paul is Head of Front office Presales for UK and Middle East at Objectway. Paul has worked in Wealth Management for over 30 years and has experience over all aspects of front office requirements. He is responsible for understand client requirements, formulating as solution and presenting this our clients to support their objectives. Paul studied Engineering at The University of Exeter.
## Related
[All](#)[\#customerexperience](#)[\#oneobjectway](#)[\#portfoliomanagement](#)[\#sponsor](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
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**Categories:** Event
**Tags:** #client-relationship, #clientexperience, #customerexperience, #digitaltransformation, #wealth-management, #wealth-management-trends
---
### [Was Banken beim Outsourcing über ein Fintech beachten sollten](https://objectway.com/was-banken-beim-outsourcing-uber-ein-fintech-beachten-sollten/)
**Published:** October 4, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** FinTechs entwickeln sich zu Partnern der Banken. Infolgedessen nimmt jede zweite traditionelle Bank die Dienste eines FinTechs für das Outsourcing in Anspruch. Hier die Sichtweise von Objectway.
**Content:**
[](/news/)
View all News
# Was Banken beim Outsourcing über ein Fintech beachten sollten
4\. Oktober 2024 – Statt Rivalen mutieren FinTechs zu Partnern der Banken. Das hat dazu geführt, dass mittlerweile jede zweite Traditionsbank im Rahmen von Outsourcing auf die Dienste eines FinTech setzt. Das ist einer Analyse des Fintechs Objectway zu entnehmen.
Die Finanzbranche steht vor einem Wendepunkt: Traditionelle Banken müssen effizientere und flexiblere Geschäftsmodelle entwickeln, um im digitalen Zeitalter wettbewerbsfähig zu bleiben. Das gilt besonders in Europa, wo der Bankensektor stark fragmentiert ist. Laut Daten der Europäischen Zentralbank wurden Ende 2021 im Euroraum nur noch rund 4.900 Kreditinstitute verzeichnet. Die Zunahme an Konsolidierungen und Restrukturierungen lässt die Zahl an Instituten weiter sinken und ist ein Indiz dafür, dass Banken es zunehmend schwer haben im Wettbewerb zu bestehen.
Gleichzeitig steigt die Anzahl europäischer Banken, die Outsourcing via Fintechs nutzen, auf mittlerweile rund 50 Prozent. Diese Partnerschaft einstig gedachter „Rivalen“ in der Branche entwickelt sich dabei von einer Option zu einer strategischen Notwendigkeit. Die Zusammenarbeit mit Fintechs ermöglicht es Banken nämlich, innovative Technologien zu integrieren und gleichzeitig Kosten zu senken, ohne das gesamte Geschäftsmodell zu ändern.
„Wir beobachten einen deutlichen Trend zu Outsourcing-Modellen, insbesondere in Bezug auf verbesserten Servicezugang durch Cloud-Lösungen“, schreibt Karl im Brahm, CEO des Fintechs Objectway im DACH-Raum, in einem “Institutional Money” vorliegenden Beitrag. Bei der Wahl des richtigen Partnerunternehmens spiele vor allem die Größe und die operativen Kapazitäten eine maßgebliche Rolle. Ein ausgewogener Ansatz, der sowohl interne als auch externe Ressourcen nutzt, sei entscheidend.
Selbst die konservativen Banken stützen sich zunehmend auf Fintech-Kooperationen
Die Vorteile der Zusammenarbeit zwischen Banken und Unternehmen mit Fokus auf Technologie und Innovation im Finanzwesen (Fintech) sind vielfältig. „Fintechs nutzen Bankdaten zur Erstellung benutzerfreundlicher Anwendungen, was die Kundenzufriedenheit erheblich steigert. Wir beobachten, dass immer mehr Kunden in Europa und Großbritannien Dienstleistungen durch Outsourcing-Modelle anfordern. Traditionell auf Legacy-Installationen und On-Premises-Wartungsmodelle angewiesen, erkennen nun selbst konservative Privatbanken die Vorteile des Auslagerns für Kosteneffizienz, Nachhaltigkeitsmanagement und besseren Servicezugang durch Cloud-Lösungen. Die Richtung hin zum Outsourcing ist klar etabliert“, so Karl im Brahm.
Gleichzeitig profitieren Banken von Regtech-Lösungen, die bei der Einhaltung komplexer regulatorischer Vorschriften unterstützen. Ein konkretes Beispiel für erfolgreiche Kooperationen ist laut Karl im Brahm die Zusammenarbeit von Objectway mit BNY Mellon’s Pershing und BNP Paribas Securities Services. „Diese Partnerschaften haben zu einer signifikanten Verbesserung der betrieblichen Effizienz und des Kundenerlebnisses geführt. Darüber hinaus hat eine führende Wertpapierfirma mit einem Vermögen von über 15 Milliarden Euro unsere Lösungen und robotergestützte Prozessautomatisierung eingesetzt, um die Datenverarbeitung zu optimieren, und so Kosten und Fehler reduziert. Das Unternehmen verwaltet nun täglich 200-300 neue Verträge, verarbeitet wöchentlich 400-700 Dateneingaben und führt 70.000 aktive Konten in 30 Vermögensverwaltungssparten“, fasst im Brahm zusammen und fährt fort: „Objectway setzt bereits bemerkenswerte 70 Prozent der Kundenprojekte in der Cloud um. Zudem sehen wir ein wachsendes Interesse an Software-as-a-Service (SaaS) oder Business-Process-as-a-Service (BPaaS) Lösungen, wobei 80 Prozent der Dienstleistungen in Italien bereits auf diesen Modellen basieren.“ Deutsche Finanzinstitute sind langsamer bei der Einführung von Outsourcing, erkennen jedoch umso mehr das Potenzial, das Fintechs als Sparringpartner bieten.
Abteilungsübergreifender Wandel: Warum Outsourcing zur Verantwortung des COOs wird
Die Herausforderungen bei der Digitalisierung sind für traditionelle Banken enorm. „Die Integration fortschrittlicher Technologien bei gleichzeitiger Aufrechterhaltung der Cybersicherheit und des Datenschutzes erfordert erhebliche Investitionen in IT-Infrastruktur und Talentakquise“, erläutert im Brahm. Die Diskussion über Outsourcing hat sich von einer technischen Frage für CIOs und CTOs zu einem aktiven Dialog unter COOs entwickelt.
Dies spiegelt die breitere Anerkennung der Vorteile der Auslagerung verschiedener Bereiche wider. Firmen müssen ihre Betriebskapazitäten, Fähigkeiten und Investitionsrenditen berücksichtigen und je nach Größe und Geschäftsmodell unterschiedliche Outsourcing-Ansätze wählen.
Genau hier bieten maßgeschneiderte -Lösungen einen Ausweg: „Wir entwickeln Lösungen, die auf die spezifischen Bedürfnisse und Betriebskapazitäten der Banken abgestimmt sind. So können sie regulatorische Belastungen reduzieren und gleichzeitig ihre digitale Transformation vorantreiben“, berichtet der CEO. Regulatorische Anforderungen hinken oft den technologischen Fortschritten hinterher, was die Einhaltung dieser Vorschriften zu einer erheblichen Herausforderung macht.
Ohne Modularität und Interoperabilität riskieren Banken, den Anschluss zu verlieren
Für die Zukunft sieht im Brahm einen klaren Trend: „Der Fokus liegt auf Modularität und Interoperabilität. Diese Ansätze helfen, Komplexität und Kosten zu reduzieren und erleichtern die grenzüberschreitende Standardisierung.“ Banken, die an veralteten IT-Systemen festhalten, riskieren hingegen, den Anschluss zu verlieren. „Innovationshemmnisse und verminderte Agilität in einem sich schnell entwickelnden digitalen Umfeld können fatale Folgen haben“, warnt der CEO.
„Die Einhaltung sich ständig ändernder regulatorischer Anforderungen stellt eine erhebliche Herausforderung dar. Banken müssen sicherstellen, dass ihre Outsourcing-Partner zuverlässig sind und die Servicequalität gewährleistet bleibt“, betont im Brahm. Ein Ansatz, der sowohl interne als auch externe Ressourcen nutzt, ist entscheidend. „Durch modulare und offene Anwendungen können Banken Outsourcing-Lösungen flexibel gestalten, die mit ihrem Wertversprechen und ihren betrieblichen Präferenzen übereinstimmen“, erklärt im Brahm. Gleichzeitig müssen Risiken wie Reputationsverlust und Servicequalität beim Outsourcing berücksichtigt werden. „Indem sie einen ganzheitlichen Ansatz verfolgen, der verschiedene Aspekte ihrer Geschäftstätigkeiten auslagert und gleichzeitig die Kontrolle über kritische Funktionen sicherstellt, können traditionelle Banken einen nahtlosen Übergang zum Outsourcing gewährleisten”, folgert im Brahm.
Traditionell auf Legacy-Installationen und On-Premises-Wartungsmodelle angewiesen, erkennen nun selbst konservative Privatbanken die Vorteile des Auslagerns für Kosteneffizienz, Nachhaltigkeitsmanagement und besseren Servicezugang durch Cloud-Lösungen. Die Richtung hin zum Outsourcing ist klar etabliert.
[](https://www.linkedin.com/in/karl-im-brahm/)### Karl im Brahm
CEO DACH Region, Objectway
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[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
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[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
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**Categories:** Article
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---
### [Objectway partners with Unblu for upcoming Impact Day 202420th September 2024](https://objectway.com/objectway-partners-with-unblu-for-upcoming-impact-day-2024/)
**Published:** September 19, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will attend the Unblu Impact Day 2024 in Zurich. Register now to network with eminent keynote speakers and industry experts.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway partners with Unblu for upcoming Impact Day 2024
20th September 2024 – Unblu Impact Day is back for another year. Don’t miss out the opportunity to find out more about the partnership with Objectway and stay tuned for further details.
## Agenda
20th September 2024
11:15 – 11:45
Unblu Impact Day 2024 – Witness the power of conversational engagement
Miroslav Petrov, Objectway Product Director
Now in its new edition, the Unblu Impact Day 2024 will be the opportunity for financial industry experts to get in touch with real and useful case studies and to discover insights from evolving trends that are currently shaping the market.
This in-person event will offer you the chance to:
- deepen useful case studies and customer success stories;
- listen to eminent keynote speakers that will define the cutting-edge of the financial services industry;
- join the attendees for networking activities and one-to-one meetings.
Don’t miss out on the chance to mix with like-minded professionals and find out how the Objectway Platform can boost your efficiency in your day-to-day tasks, better serve your clients and increase revenues with a smart client management solution.
## Event Information
20th September 2023, Google’s Zurich Office, Europaallee 36, 8004 Zürich
**[Register now](https://www.unblu.com/en/impact-day-2024/?utm_source=google&utm_medium=cpc&utm_campaign=unblu-impact-day-2024&utm_term=unblu&utm_campaign=Global+-+Brand&utm_source=adwords&utm_medium=ppc&hsa_acc=9724665874&hsa_cam=21028330711&hsa_grp=170205845732&hsa_ad=706179604733&hsa_src=g&hsa_tgt=kwd-691602346942&hsa_kw=unblu&hsa_mt=p&hsa_net=adwords&hsa_ver=3&gad_source=1&gclid=CjwKCAjw74e1BhBnEiwAbqOAjE0tlgPYmaPbdQNBdyMHDZ4rzzbCB5gUephD7MS-ZzPwUeS__jKG-RoCL-cQAvD_BwE)** to secure your place at the event!
## Speakers
Miroslav Petrov
Miroslav is a Product Director and Investment Compliance expert at Objectway. He has 20 years of experience in designing and delivering IT solutions for Investment Managers and Asset Servicers across France, EMEA and North America. Prior to joining Objectway he was Head of Innovation and co-founder of a RegTech company providing end-to-end automation of Fund compliance processes. Miroslav holds a Master degree in Business Informatics from Paris Dauphine University.
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8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
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Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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---
### [Objectway to sponsor upcoming 2024 Montreal Regulatory & Compliance Forum19th September 2024](https://objectway.com/objectway-to-sponsor-upcoming-2024-montreal-regulatory-compliance-forum/)
**Published:** September 18, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will be Session Sponsor at next Montreal Regulatory & Compliance Forum 2024 organized by PMAC and focused on current and future Regulatory evolutions.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway to sponsor upcoming 2024 Montreal Regulatory & Compliance Forum
19th September 2024 – Objectway teams up again with PMAC for the Regulatory & Compliance Forum 2024 in Montreal. The Conference will cover a variety of topics that address new developments, critical issues and insights on how to sustain a successful compliance program.
## Agenda
19th September 2024
8:00 AM – 6:00 PM ET
Montreal Regulatory & Compliance Forum 2024
Kurt Vanhee, Objectway Managing Director Continental Europe & North America
Conference’s attendees will receive insights, highlights and tactical guidance on current issues and industry developments impacting compliance and legal professionals.
The Conference Agenda will be marked by Regulatory Panels and Compliance Topics, especially regarding the compliance critical issues for portfolio managers. The Regulatory Panel Update will prioritise the Québec and Ontario securities commissions expect portfolio managers to focus on.
Get the information you need to keep up to date and gear up to meet **Kurt Vanhee, Objectway Managing Director Continental Europe & North America** to discover how Objectway is focused on monitor Regulatory frameworks to ensure stability, fairness and protection of market participants.
## Event Information
Thursday, 19th September 2024, Saint James Club of Montreal, 1145 Union Ave, Montreal, QC
Meet us at our booth and **[register here to secure your place at the event.](https://pmac.wufoo.com/forms/p1an7fgz01r6z9q/)**
We’re looking forward to meeting you in Montreal!
## Conference Delegates
Kurt Vanhee
With a professional career of nearly 30 years in various roles in large and medium size banking and IT organizations, Kurt has built a strong knowledge of Wealth Management, IT, Customer Delivery and Business Development activities in an international environment. In his current position at Objectway, as Managing Director Continental Europe & North America, he encourages a customer-centric approach.
## Related
[All](#)[\#customerexperience](#)[\#oneobjectway](#)[\#portfoliomanagement](#)[\#sponsor](#)
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8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
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[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Event
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---
### [Objectway attends SDA Bocconi – School of Management REPAiR LAB Conference in partnership with CRIF16th May 2024](https://objectway.com/objectway-attends-sda-bocconi-event-to-discuss-the-role-of-risk-management-in-advisory-and-wealth-processes/)
**Published:** May 13, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Within the REPAiR LAB by SDA Bocconi, Objectway grasps the opportunity to deepen the role of Risk Management for Advisory and Wealth Management processes.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway attends SDA Bocconi – School of Management REPAiR LAB Conference in partnership with CRIF
16th May 2024 – Within the REPAiR LAB – Responsible, Patient and Reliable Finance conference entitled “Portfolio Analytics: Risk, Performance, Style & Sustainability”, Objectway grasps the opportunity to deepen the role of Risk Management for Advisory and Wealth Management processes.
## Agenda
16th May 2024
17:00 – 19:00
Portfolio Analytics: Risk, Performance, Style and Sustainability
Marco Migliorin, Senior Business Leader, Objectway
**REPAiR LAB – Responsible, Patient and Reliable Finance**, the research and innovation laboratory born from the joint project signed by **CRIF** and **SDA Bocconi – School of Management** seeks to be a new point of reference for different players, emerging as a research and action group that can promote an authoritative dialogue with domestic and international political, regulatory and financial authorities as well as with the economic and social universe.
This year’s Conference will address its focus to **Portfolio Management**, considering the three pillars on which analysis models are based, namely **Risk, Performance and Sustainability**. The speeches scheduled and hosted by industry experts, will run through this topic, highlighting how an integrated vision of the models could sustain stakeholders to make well-balanced investment decisions, considering financial, political and environmental factors.
**Marco Migliorin, Objectway Senior Business Leader**, will share his perspective in the speech entitled **“Risk Management in Advisory and Wealth Management – Suitability and Portfolio Analysis”** retracing the role of Objectway in helping investors to better analyse the suitability and effectiveness of their portfolios, focusing on the use of risk metrics in financial advisory processes in two profoundly different operating contexts because of different regulatory drivers.
## Event Information
Thursday, 16th May 2024, SDA Bocconi, Via Sarfatti, 10, Milan
Subscribe now to SDA Bocconi – School of Management website and register to the event **[following this link!](http://forms.sdabocconi.it/events/login.php?evento_id=1be0be821dadfe20e15624bcb7bf9c)**
We’re looking forward to meeting you in Milan!
## Speakers
Marco Migliorin
Marco has become Objectway Senior Business Leader in 2015, supervising the Risk Management and Portfolio Optimisation areas within the Objectway Advisory Platform. He has a 25-years working experience in the financial sector and a long-standing career as Bond Manager in different Italian SGRs, like Sella, BCC and Arca. His expertise is primarily focused on defining processes and algorithms to support advisory, risk management and portfolio construction. He holds a degree in Economics (Political Economy) from Ca’ Foscari University in Venice.
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**Categories:** Event
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### [Objectway e Unblu uniti per innovare la digital collaboration nel wealth management](https://objectway.com/objectway-e-unblu-uniti-per-innovare-la-digital-collaboration-nel-wealth-management/)
**Published:** October 3, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway sigla una nuova partnership con Unblu, rafforzando le sue collaborazioni strategiche per migliorare la customer experience digitale dei wealth manager
**Content:**
[](/news/)
View all News
# Objectway e Unblu uniti per innovare la digital collaboration nel wealth management
3 Ottobre 2023 – Objectway sigla una nuova partnership con Unblu, rafforzando le sue collaborazioni strategiche per migliorare la customer experience digitale dei wealth manager.
In un contesto economico e sociale ricco di incertezza, il wealth management vede nell’evoluzione dei suoi servizi l’unica costante. La domanda di nuove soluzioni per rispondere alle mutevoli esigenze dei clienti spinge i professionisti dell’advisory a modificare e aggiornare i propri modelli di servizio, rifocalizzandoli su driver come tecnologia, velocità e personalizzazione.
Ciononostante, **la digitalizzazione della consulenza patrimoniale** non si esaurisce in un accesso più efficiente ai dati finanziari. Sta cambiando anche il modo in cui gli advisor e i clienti comunicano tra loro, in quanto l’interazione non è più confinata a incontri fisici o chiamate telefoniche. Piuttosto, l’uso di chat, videoconferenze, co-browsing e piattaforme di messaggistica istantanea sta diventando la norma, consentendo una comunicazione più fluida, conveniente e pratica tra consulente e cliente.
È proprio per facilitare e ottimizzare il tempo trascorso a contatto con il cliente che Objectway, provider leader a livello globale di software as-a-service e servizi per le istituzioni finanziarie, ha dato vita ad una **partnership strategica con Unblu**, primaria piattaforma specializzata nel **Conversational Engagement** applicato al settore finanziario. L’obiettivo? Costruire relazioni più efficaci e profittevoli con i clienti. **Alberto Cuccu, Chief Solution Officer di Objectway**, racconta i dettagli della partnership a We Wealth.
Il contenuto della partnership
Grazie all’integrazione delle funzionalità di Unblu, Objectway ha potuto migliorare le proprie soluzioni di **Omnichannel Client Lifecycle Management**, arricchendo ulteriormente le soluzioni di **front-end digitale dell’azienda per banche, wealth e asset manager**. In questo modo i professionisti potranno erogare una **consulenza digitale altamente personalizzata**, incrementare l’onboarding online e le conversioni, liberando più tempo ed energie da poter dedicare al contatto con il cliente.
Non è tutto: i wealth manager beneficeranno anche di una gestione dei dati rafforzata, **un’implementazione flessibile in cloud** e della piena conformità con la regolamentazione, grazie alla certificazione di conformità SOC 2 Type 2 ottenuta da Unblu nel 2022. La partnership si basa inizialmente su due moduli per la gestione dell’interazione con il cliente: **ongoing relationship management e help desk**. “Con l’integrazione dell’help desk, gli istituti finanziari saranno in grado di fornire un supporto digitale rapido e continuo in un ambiente sicuro. Le funzionalità di ongoing relationship management garantiranno che i clienti e i relationship manager abbiano tutti gli strumenti a disposizione per pianificare riunioni one-to-one, interagire e collaborare sui differenti dispositivi e canali. Queste soluzioni conversazionali end-to-end, sicure e flessibili promuoveranno relazioni più solide e miglioreranno la soddisfazione del cliente”, aggiunge l’esperto.
Objectway e Unblu: i prossimi passi
Objectway e Unblu condividono il medesimo approccio fortemente orientato all’innovazione e alla tecnologia e la partnership intende esplorare nuovi casi d’uso e funzionalità, consentendo alle istituzioni finanziarie di beneficiare di una gamma sempre più ampia di strumenti per l’engagement e collaborazione digitale. Ulteriori integrazioni e strumenti saranno sviluppati **per soddisfare le esigenze in continua evoluzione del settore**. “Insieme ad Unblu intendiamo portare sul mercato **soluzioni personalizzabili, scalabili e facilmente integrabili che possono essere adottate velocemente**. Allo stesso tempo vogliamo mettere i nostri clienti in condizione di **offrire un servizio veramente ibrido** grazie a un’offerta digitale avanzata”, conclude Cuccu.
L’unione delle soluzioni di Unblu e Objectway permette di offrire una client experience migliore grazie al potenziamento degli strumenti digitali di comunicazione e collaborazione tra advisor e cliente, migliorando la soddisfazione dei clienti e semplificando le operazioni per le istituzioni finanziarie, generando così un incremento della fiducia degli investitori e la crescita dell’AUM di wealth e investment manager.
[](https://www.linkedin.com/in/alberto-cuccu-21a401/)### Alberto Cuccu
Chief Solution Officer, Objectway International
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---
### [Risparmio gestito: tre pilastri per creare nuove opportunità in tempi difficili](https://objectway.com/risparmio-gestito-tre-pilastri-per-creare-nuove-opportunita-i-risultati-della-ricerca-congiunta-objectway-e-globaldata/)
**Published:** October 13, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Gli operatori vogliono investire in riconfigurazione del business, evoluzione dell'offerta e dell’esperienza del cliente. I risultati della ricerca congiunta Objectway e GlobalData.
**Content:**
[](/news/)
View all News
# Risparmio gestito: tre pilastri per creare nuove opportunità in tempi difficili
13 Ottobre 2023 – Sempre più, gli operatori non si accontentano semplicemente di mantenere le soluzioni IT in opera, ma anzi intendono investire per affrontare le sfide generate dalla pandemia, dalla guerra, dall’inflazione. Questo è quanto emerge dalla ricerca congiunta condotta da Objectway e GlobalData.
Banche, wealth e asset manager europei hanno speso somme record per l’infrastruttura tecnologica nel 2022, con un’ulteriore previsione di crescita per il 2023.
Ma sempre più, gli operatori non si accontentano semplicemente di mantenere le soluzioni IT in opera, intendono invece investire per affrontare le sfide generate dalla pandemia, dalla guerra, dall’inflazione e dalle turbolenze dei mercati finanziari. Le priorità di investimento riguardano la riconfigurazione del business, per generare efficienza e nuova redditività; l’evoluzione dell’offerta, per sviluppare prodotti e servizi in linea con le nuove esigenze degli investitori; il miglioramento dell’esperienza del cliente, alla luce della sempre maggiore richiesta di digitalizzazione dei servizi.
È quanto emerge dalla ricerca commissionata a **GlobalData** da Objectway, azienda italiana inserita nella **Top100 FinTech di IDC come provider di software as-a-service** e servizi per banche, wealth e asset manager.
Lo studio, dal titolo **[“Unlocking opportunity in challenging times: innovation in European Financial Services”](https://objectway.com/unlocking-opportunity-in-challenging-times-globaldata-analyst-research/)**, ha interessato oltre 430 operatori del risparmio gestito in tutto il mondo – di cui 230 in Europa – e si è focalizzato su tre aree della catena del valore per il settore: **customer experience, offering evolution e business reconfiguration**, per comprendere come professionisti e aziende abbiano risposto e stiano affrontando la sfida di coniugare innovazione e sostenibilità all’interno dei loro processi operativi, delle loro strategie e nella relazione con la propria clientela.
I dati evidenziano che più del 52% delle banche e dei wealth e asset manager intervistati intende affrontare **progetti di digitalizzazione “full spectrum”** entro i prossimi due anni per mantenere la competitività, mentre oltre il 40% sta già lavorando per innovare l’esperienza del cliente.
Iper-personalizzazione: la chiave per migliorare la customer experience
Sempre più banche, asset e wealth manager ritengono che un’offerta su misura sia fondamentale per offrire un servizio realmente distintivo. Da una parte, in un mercato altamente competitivo come quello europeo, i clienti hanno grandi aspettative in termini di personalizzazione e desiderano un portafoglio che corrisponda alle proprie preferenze di investimento e sia studiato in base agli obiettivi di vita. Dall’altra, i gestori europei sono sempre più attenti alle opportunità che derivano da un maggiore allineamento tra cliente e prodotti o servizi offerti. Sebbene ciò non rappresenti una novità, dal momento che costituisce il fulcro della consulenza finanziaria, oggi ciò significa sempre più sfruttare gli strumenti digitali e le nuove tecnologie per **offrire prodotti e servizi iper-personalizzati** in maniera più efficiente e a una gamma più ampia di clienti. Il 91% degli asset manager intervistati, infatti, la considera un’opportunità per il proprio business.
Lo studio evidenzia inoltre che nel settore **l’utilizzo di intelligenza artificiale e machine learning** aumenterà vertiginosamente nei prossimi due anni: circa la metà del mercato lo segnala come il più grande cambiamento in programma.
Il livello della tecnologia sta aumentando e si affina la capacità di analizzare grandi quantità di dati e fornire risultati pertinenti. È probabile che i grandi player pianifichino di incorporare l’intelligenza artificiale tra i loro toolkit per la customer experience, anche se le realtà più piccole seguiranno rapidamente poiché queste tecnologie diventeranno più comuni.
Tuttavia, va sottolineato che l’adozione dell’intelligenza artificiale per raggiungere obiettivi specifici è ancora in fase embrionale e in attesa di applicazioni pratiche.
La demografia degli investitori al centro dell’innovazione nell’offerta
Gli operatori europei stanno intraprendendo principalmente **progetti di innovazione nei servizi** che forniscono per espandere la propria base di clienti e generare nuovo business. Tuttavia, il settore è diviso sui risultati attesi. I wealth manager e le banche universali stanno chiaramente cercando nuova clientela, mentre gli intermediari e i gestori retail ritengono che questi progetti li aiuteranno a servire meglio i clienti attuali.
La differenza può essere spiegata dalle diverse tipologie di clientela: i primi, rivolgendosi a un segmento più anziano e benestante, cercano l’evoluzione nella loro offerta di servizi affinché il passaggio generazionale non si traduca in una perdita di AUM; i secondi hanno maggiori probabilità di servire investitori più giovani, e desiderano quindi innovare la propria offerta per tenere conto di abitudini, preferenze ed esigenze differenti.
Accordo quasi totale, invece, sull’aggiunta o l’espansione delle **opzioni di investimento ESG**: quasi l’intero mercato integrerà o amplierà l’offerta ESG nei prossimi anni. In media, l’84,5% degli operatori prevede di destinare maggiori risorse a questo scopo. Fa eccezione l’asset management, con “solo” il 58%: si tratta infatti di un settore che ha da tempo inserito nella propria offerta prodotti “ESG-compliant”, considerandoli fondamentali per il servizio.
Verso nuovi modelli di business
I crescenti oneri normativi, la maggiore pressione competitiva e la volatilità dei mercati finanziari che ha contratto ricavi e profitti stanno spingendo gli operatori a rivalutare le piattaforme che utilizzano, nonché i costi inerenti al loro modello operativo.
Banche, wealth e asset manager stanno innovando il loro modello di business per tenere il passo con l’evoluzione delle esigenze dei propri clienti attraverso servizi più efficienti e tramite l’offerta di nuovi prodotti che si rivolgono ai clienti potenziali, spesso più giovani e digitalizzati. Più di altri ambiti di innovazione, il miglioramento del modello operativo impatta il cuore del business. Abbracciando nuove tecnologie, processi e modelli di business, i player del settore affermano di poter competere meglio e fornire servizi più personalizzati, efficienti ed efficaci.
Le nuove funzionalità che soluzioni evolute possono offrire sono chiaramente apprezzate in tutta Europa. Il 76,5% degli asset manager intervistati ha indicato che lo sviluppo o la modernizzazione di piattaforme e app è essenziale per rimanere competitivi, suggerendo che **la tecnologia è uno dei principali motori per la concorrenza nel settore**. Tuttavia, lo stato dell’innovazione tecnologica è al di sotto della media del mercato, dal momento che quasi il 60% dei gestori intervistati non ha progetti già in corso.
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**Categories:** Article
**Tags:** #businessreconfiguration, #customerexperience, #digital-transformation, #globaldata, #wealth-management-trends
---
### [Finanzbranche: 500 Mrd. Euro Investments durch junge Anleger und ESG](https://objectway.com/finanzbranche-500-mrd-euro-investments-durch-junge-anleger-und-esg/)
**Published:** November 3, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Die Finanzbranche in Europa baut ihre ESG-Strategie weiter aus, um der steigenden Nachfrage nach nachhaltigen Lösungen gerecht zu werden.
**Content:**
[](/news/)
View all News
# Finanzbranche: 500 Mrd. Euro Investments durch junge Anleger und ESG
3\. November – Die Finanzbranche in Europa baut ihre ESG-Strategie weiter aus, um der steigenden Nachfrage nach nachhaltigen Lösungen gerecht zu werden. Junge Anleger, die vermehrt soziale und ökologische Faktoren in ihre Entscheidungen einbeziehen, werden somit zu einer entscheidenden Zielgruppe für die Zukunft der Vermögensverwaltungsbranche.
Bis 2030 wird ein erstaunliches Wachstum von sieben bis zehn Prozent erwartet, wobei der Marktumsatz auf beeindruckende 500 Milliarden Euro steigen könnte.
Eine starke Ausrichtung auf ESG und nachhaltige Finanzberatung wird für Vermögensverwalter daher entscheidend, um die neue Generation anzulocken und zu binden. Ihr Erfolg hängt davon ab, wie gut Finanzinstitute die steigenden Kundenanforderungen erfüllen und auf die Bedürfnisse der jungen Anleger eingehen können. Die Integration von ESG-Kriterien, innovative Technologien und eine serviceorientierte Ausrichtung sind entscheidende Erfolgsfaktoren, um sich als attraktive Option für den „grünen“ Investor zu positionieren – und das enorme Wachstumspotenzial des nächsten Jahrzehnts zu nutzen.
Mit dem wachsenden Bewusstsein für ökologische und soziale Verantwortung hat sich in den letzten Jahren ein bemerkenswerter Boom in der Welt der nachhaltigen Geldanlagen entwickelt. Weltweit verzeichnet dieser Trend eine enorme Dynamik und zieht immer mehr Anleger an, die ihre Investitionen mit ESG-Kriterien in Einklang bringen möchten. Doch nicht nur auf globaler Ebene hat dieser Trend an Fahrt aufgenommen, auch in Deutschland gewinnt er zunehmend an Bedeutung. Hierzulande hat der ESG-Boom das Gesamtvolumen nachhaltiger Geldanlagen bereits auf über eine halbe Billion Euro steigen lassen, und diese Zahl wächst weiter. Unternehmen setzen verstärkt auf Innovation und Digitalisierung, um den sich wandelnden Kundenanforderungen gerecht zu werden und ihre Wettbewerbsfähigkeit zu erhalten.
Bis 2030 soll sich die Anzahl der Personen mit Interesse an Finanzwerten und Anlagen von aktuell 255 Millionen um sieben bis zehn Prozent vermehren. Gleichzeitig setzen Unternehmen verstärkt auf Innovation und Digitalisierung, um wettbewerbsfähig zu bleiben und den sich ständig wandelnden Kundenanforderungen gerecht zu werden. In dieser Dynamik spielen Technologie und digitale Innovationen eine maßgebliche Rolle, indem sie die Kundenerfahrung verbessern und personalisierte Dienstleistungen im Einklang mit ESG-Werten und digitalen Innovationen bieten, während noch schier unvorstellbare Datenmengen auf den modernen Finanzberater warten: Laut Statistiken soll sich das Volumen der im Jahr 2025 erstellten und replizierten Daten auf 181 Zettabyte belaufen.
ESG als Schlüssel für nachhaltige Kundenbindung und Wachstum
„Die Zukunft der Finanzbranche hängt von 250 Millionen Menschen ab, mit denen Finanzberater noch nie gesprochen haben”, betont Roger Portnoy, Chief Strategy Officer bei Objectway und fährt fort. Junge Anleger legen großen Wert auf nachhaltige Finanzberatung und möchten aktiv an der Demokratisierung alternativer Vermögenswerte teilhaben. Für Vermögensverwalter bedeutet dies, verstärkt auf serviceorientierte Lösungen zu setzen und das Vertrauen der Kunden durch eine stärkere soziale und peer-to-peer Ausrichtung zu gewinnen. Die Herausforderung besteht darin, die Bedürfnisse der verschiedenen Generationen innerhalb einer Familie zu berücksichtigen und maßgeschneiderte nachhaltige Finanzberatung anzubieten.
Veränderte Zielgruppe und explodierendes Wachstum
Die Zielgruppe der Vermögensverwalter verändert sich drastisch, da junge Anleger immer mehr Wert auf nachhaltige Investitionen legen. „Sie werden eine höhere Lebenserwartung haben und daher länger an ihrem Lebensstil festhalten wollen“, erläutert Portnoy. Auch die Familienzusammensetzung werde laut dem Experten für Vermögensverwalter und Kundenbetreuer eine zunehmend wichtige Rolle spielen, da sie sich mit mehr als vier Generationen auseinandersetzen werden, von den Großeltern über die Babyboomer bis zu den jungen Enkelkindern der Generation Z. „Das Familienvermögen und die nachhaltige Finanzberatung stehen dabei im Mittelpunkt der Bedürfnisse junger Vermögensanhäufer. Gleichzeitig benötigen Babyboomer und ältere Anleger Lösungen, die langfristig Wohlstand erhalten“, fährt der Chief Strategy Advisor bei Objectway fort. Die familiäre Perspektive beeinflusst die Servicequalität hinsichtlich Zeit, Zugänglichkeit, Bequemlichkeit und persönlicher Ansprache. In dieser transformierenden Landschaft haben nachhaltige Innovationen und ESG-Angebote die Chance, Anleger auf der Suche nach langfristig sinnvollen Investitionen anzuziehen und zu binden.
Innovative Technologien für eine personalisierte Kundenerfahrung
Im Bestreben, den sich wandelnden Anforderungen der Kunden gerecht zu werden und deren Erfahrung zu verbessern, setzen Banken und Vermögensverwalter vermehrt auf innovative Technologien. Künstliche Intelligenz (KI) spielt dabei eine Schlüsselrolle, um skalierbare, personalisierte und konsistente Dienstleistungen anzubieten. „Die Veränderungen in der Branche unterstützen die Innovationsbemühungen und sorgen für eine verbesserte Kundenerfahrung”, betont Roger Portnoy. KI-gesteuerte, virtuelle, aber dennoch persönliche Assistenten bieten den Kunden Wissen, datenschutzkonforme automatisierte Entscheidungsfindung, Verhaltenscoaching und ein verbessertes Investmentmanagement. „Durch die Nutzung von Open Finance und die Vernetzung von Ökosystemen können Vermögensverwalter ganzheitliche Beratung anbieten und einen engeren Kontakt zu ihren Kunden herstellen“, so Portnoy. Dabei geht es nicht nur darum, die Kunden zu erreichen, sondern auch darum, sie durch innovative Technologien zu inspirieren und begeistern.
Partnerschaften für nachhaltige Innovation und ESG-fokussierte Lösungen
In der heutigen Zeit sind Partnerschaften mit externen Experten und Technologieanbietern von großer Bedeutung, um nachhaltige Innovationen und ESG-fokussierte Lösungen umzusetzen. Die Zusammenarbeit mit solchen Partnern ermöglicht es Vermögensverwaltern, Zugang zu spezialisiertem Know-how und innovativen Lösungen zu erhalten. „Die Einbindung strategischer Partner ermöglicht eine effektive Skalierung der nachhaltigen Innovation und schafft die notwendigen Ressourcen, um diese Ziele zu erreichen”, betont Roger Portnoy. Die Zusammenarbeit eröffnet Finanzunternehmen neue Möglichkeiten, um die eigenen Angebote zu erweitern und den Kunden ein breiteres Spektrum an nachhaltigen Investitionsmöglichkeiten anzubieten. Ein attraktives ESG-Angebot bindet Bestandskunden somit langfristig und hilft dabei, neue Kunden zu gewinnen.
Um erfolgreich zu sein, müssen Vermögensverwalter die Wünsche und Bedürfnisse der kommenden Anleger-Generation verstehen, da sie sich erheblich von Baby Boomern unterscheiden.
[](https://www.linkedin.com/in/roger-portnoy-a16b67/)### Roger Portnoy
Chief Strategy Officer Objectway
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**Categories:** Article
**Tags:** #customerexperience, #digital-transformation, #sustainability, #sustainableinnovation, #wealth-management-trends, ESG
---
### [Kommt der ESG-Boom durch junge Anleger?](https://objectway.com/nachhaltige-esg-investitionsentscheidungen-stehen-im-mittelpunkt-der-entscheidungen-junger-anleger/)
**Published:** November 10, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Die Nachfrage nach nachhaltigen Lösungen steigt. Die Finanzbranche in Europa reagiert mit erweiterten ESG-Strategien.
**Content:**
[](/news/)
View all News
# Kommt der ESG-Boom durch junge Anleger?
10\. November – In Zukunft geben junge Anleger:innen mit nachhaltigem Fokus den Ton an: Davon geht zumindest das Fintech-Unternehmen Objectway aus. Wie die Finanzbranche reagieren wird und was sich dadurch verändern könnte.
Die Nachfrage nach nachhaltigen Lösungen steigt. Die Finanzbranche in Europa reagiert mit erweiterten ESG-Strategien. Insbesondere junge Anleger:innen, die Wert auf soziale und ökologische Faktoren legen, rücken in den Fokus.
Ein Wachstumsmarkt, immerhin soll die Zahl der Menschen, die an Finanzwerten und Anlagen interessiert sind, bis 2030 um sieben bis zehn Prozent wachsen, wodurch der Marktumsatz auf 500 Milliarden Euro steigen könnte. Darüber und mehr berichtet das Fintech-Unternehmen Objectway in einer Pressemitteilung. Was könnte sich in der Finanzbranche verändern?
ESG als Schlüssel für nachhaltige Kundenbindung und Wachstum
Die Finanzbranche hat es mit einer sich stark verändernden Zielgruppe zu tun, da junge Anleger:innen vermehrt nachhaltige Investitionen bevorzugen. Vermögensverwalter:innen müssen laut Objectway auf serviceorientierte Lösungen setzen und ihre
Beratungsangebote sozialer und stärker auf peer-to-peer ausrichten, um diese Generation zu überzeugen.
Die Zusammensetzung der Zielgruppe wird sich wegen der jungen Anleger:innen drastisch verändern. Gleichzeitig werden auch ältere Anleger:innen weiterhin nach langfristigen Wohlstandslösungen suchen. Die Zusammensetzung von Familien, in denen gleich mehrere Generationen ihre Erwartungen an Vermögensverwalter:innen und Kundenbetreuer:innen stellen, beeinflusst die Servicequalität hinsichtlich Zeit, Zugänglichkeit, Komfort und Ansprache.
Innovative Technologien und nachhaltige Partnerschaften
Die Branche setzt vermehrt auf innovative Technologien, insbesondere Künstliche Intelligenz (KI), um personalisierte und skalierbare Dienstleistungen anzubieten. Durch die Nutzung von Open Finance und Ökosystemen können Vermögensverwalter:innen ihre Kund:innen umfassend beraten, den Kontakt intensivieren und sie inspirieren sowie langfristig binden.
Laut Objectway sei es entscheidend, mit externen Expert:innen und Technologieanbietern zusammenzuarbeiten, um nachhaltige Innovationen und ESG-Lösungen voranzutreiben. Vermögensverwalter:innen erhalten dadurch Zugang zu Fachwissen und innovativen Lösungen. Infolgedessen können Finanzunternehmen ihr Angebot erweitern: Ein breite Palette an nachhaltigen Investitionsmöglichkeiten hilft, Bestandskund:innen langfristig zu binden und neue Kund:innen zu gewinnen.
## Related
[All](#)[\#about-objectway](#)[\#financialservices](#)[\#objectwayplatform](#)[\#unblu](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
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[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
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**Categories:** Article
**Tags:** #customerexperience, #sustainability, #sustainableinnovation, #wealth-management-trends, ESG
---
### [Come l’AI può aiutare i consulenti a non perdere i clienti](https://objectway.com/lintelligenza-artificiale-supporta-il-settore-finanziario-per-fidelizzare-i-suoi-clienti/)
**Published:** November 14, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** La capacità dell’intelligenza artificiale di predire i modelli di comportamento dei clienti apre ad importanti vantaggi strategici per il settore finanziario.
**Content:**
[](/news/)
View all News
# Come l’AI può aiutare i consulenti a non perdere i clienti
14 Novembre 2023 – La capacità dell’intelligenza artificiale di predire i modelli di comportamento dei clienti apre nuovi orizzonti e importanti vantaggi strategici per il settore finanziario, soprattutto in ottica di fidelizzazione dei clienti.
L’integrazione tra intelligenza artificiale (AI) e consulenza finanziaria non accenna a fermarsi, confermandosi un fattore sempre più cruciale per l’industria dell’advisory patrimoniale.
Una delle più promettenti applicazioni dell’AI è la possibilità di impiegare quest’ultima per **prevedere con precisione il comportamento dei clienti**, in particolare quando si tratta di comprendere quando essi stanno per abbandonare un dato servizio o l’istituto finanziario stesso.
Tuttavia, quando ci si approccia a un nuovo strumento o a una nuova tecnica occorre prima essere certi non solo di saperla utilizzare, ma anche di **comprenderne il funzionamento**. Soprattutto quando un uso improprio può portare a risultati deludenti o, in alcuni casi, a conseguenze legali. Con **Georgios Lekkas, Innovation Director di Objectway**, vediamo in che modo reti e consulenti possono sfruttare le nuove potenzialità dell’AI in maniera consapevole e sicura.
AI e wealth management: vantaggi da sfruttare…
Come per molti altri settori, così anche per l’advisory patrimoniale l’abilità di identificare in anticipo il c.d. **“churn del cliente”**, ossia il rischio che questi decida di abbandonare il proprio advisor o un dato servizio in favore di un altro, si è rivelata un **vero e proprio vantaggio strategico**.
All’interno di un istituto finanziario, infatti, le informazioni e i dati disponibili spaziano dal comportamento dei clienti alle prestazioni degli investimenti, includendo l’influenza del consulente e la percezione della qualità del servizio. “Questi fattori costituiscono elementi fondamentali per prevedere come un cliente potrebbe comportarsi” spiega l’esperto. “In tal senso, i modelli di machine learning sono emersi come strumenti straordinariamente efficaci, in grado di analizzare grandi quantità di dati per individuare schemi ricorrenti e prevedere con notevole precisione il momento in cui un cliente potrebbe abbandonare il proprio consulente o istituto di riferimento. Al fine di anticipare questo momento, i programmi utilizzano sia variabili statiche, sia dinamiche – quali il comportamento – che richiedono perciò una continua elaborazione. Tutto questo permette ai wealth advisor di poter prevedere quando un cliente intende liquidare un portafoglio o chiudere un conto per affidarsi a un competitor. **Ricevendo un alert, essi possono dedicare e la propria attenzione e le loro risorse per anticipare i clienti e convincerli a rivedere la propria scelta”**.
…e pericoli da evitare
Occorre ricordare che usare l’intelligenza artificiale non è né facile, né senza rischi. I programmi di AI, infatti, utilizzano spesso **modelli “black box” complessi**, che elaborano un output senza però fornire la possibilità di comprendere la logica che lo ha prodotto. “In questo modo i consulenti possono comprendere facilmente i processi e altrettanto semplicemente e chiaramente possono spiegarne i risultati”, aggiunge Lekkas. Per i professionisti, tutto ciò risulta fondamentale ai fini di un’integrazione dell’AI nel loro lavoro che sia non solo pienamente consapevole, ma anche **rispettosa degli obblighi imposti dalla legislazione vigente**. Basti pensare a quanto disposto dal GDPR (General Data Protection Regulation) in materia di raccolta, utilizzo e consenso dei dati del cliente.
SHAP, la risposta di Objectway
**Trasparenza e responsabilità rappresentano elementi imprescindibili quando si utilizza l’AI nel business** e questo è ancora più vero nel caso dei servizi finanziari. Ciò richiede un’adeguata gestione del rischio per anticipare e minimizzare i potenziali rischi di distorsione o pregiudizio tipici dell’AI. “Per affrontare questa sfida, Objectway ha sviluppato un **sistema innovativo di previsione del client churn**, avvalendosi della collaborazione **dell’Università di Bari**, all’avanguardia nello studio e nell’applicazione dei modelli di AI a casi d’uso aziendale” continua l’esperto. “Esso si basa su modelli di machine learning in grado di prevedere con precisione il momento in cui il cliente potrebbe abbandonare il suo advisor, grazie all’analisi di pattern complessi di grandi set di dati. Inoltre, Objectway ha introdotto il **Metodo Shapley Additive Explanations (SHAP)**, che permette di quantificare il contributo e il peso di ciascun fattore considerato nella previsione, chiarendo così le ragioni dell’output ottenuto. Questo approccio è fondamentale per i consulenti finanziari, in particolare per la fidelizzazione dei clienti, poiché consente loro di **identificare in modo chiaro e molto rapido per quali motivi il sistema ritiene che un determinato cliente intende lasciare la banca”** conclude Lekkas.
Poter spiegare il funzionamento dei modelli di intelligenza artificiale gioca quindi un ruolo cruciale ed è per questo che dedichiamo particolare cura a sviluppare modelli di AI il cui funzionamento sia il più trasparente possibile.
[](https://www.linkedin.com/in/glekkas/)### Georgios Lekkas
Innovation Director, Objectway
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[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
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7 September 2026
## Sign Up for our Newsletter
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**Categories:** Article
**Tags:** #artificialintelligence, #businessreconfiguration, #customerexperience, #digital-transformation, #wealth-management-trends
---
### [Kundenabwanderung: „KI stößt Berater auf Fälle, die sonst unentdeckt bleiben“](https://objectway.com/kundenabwanderung-ki-stost-berater-auf-falle-die-sonst-unentdeckt-bleiben/)
**Published:** November 27, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** KI ist in der Lage vorherzusagen, wann ein Kunde zu einem wackeligen Kandidaten wird und die Geschäftsbeziehung zu seinem Berater abbrechen könnte. Georgios Lekkas erläutert das Thema.
**Content:**
[](/news/)
View all News
# Kundenabwanderung: „KI stößt Berater auf Fälle, die sonst unentdeckt bleiben“
27\. November 2023 – Künstliche Intelligenz kann vorhersehen, wann ein Finanzberatungskunde zum Wackelkandidaten wird und seinem Berater bald die Geschäftsbeziehung aufkündigen könnte – das jedenfalls behauptet Georgios Lekkas vom Software-Anbieter Objectway. Im Interview erläutert er, wie das gelingen soll.
Spätestens seit die US-Firma Open AI ihre Sprach-KI Chat GPT einer breiten Öffentlichkeit vorstellte, ist das Thema Künstliche Intelligenz in aller Munde, auch im Business-Bereich. Unternehmen aller Branchen loten aus, wie sie mittels KI ihr Geschäft neu aufstellen können.
Auch in der Finanzberatung lassen sich vielerlei Anwendungsfälle denken. Unter anderem diesen hier: Der auf Finanzen spezialisierte Software-Anbieter Objectway will eine Möglichkeit entwickelt haben, mittels KI vorhersagen zu können, welche Kunden demnächst ihrem Berater den Rücken kehren könnten.
Wie das funktionieren soll, haben wir Objectway-Spezialist Georgios Lekkas gefragt.
**DAS INVESTMENT:** Herr Lekkas, Sie leiten ein Forschungsprojekt, das untersucht, warum Kunden sich von ihrem Finanzberater abwenden. Ist das Ihrer Erkenntnis nach ein verbreitetes Problem für Berater?
**Georgios Lekkas:** Ja, das Risiko der Kundenflucht ist eine der größten Sorgen eines Beraters. Schließlich investieren Berater Zeit, um Beziehungen zu ihren Kunden aufzubauen – und das Akquirieren neuer Kunden ist kostspielig. Doch es besteht immer die Möglichkeit, dass Klienten die Angebote anderer Berater gleichermaßen interessant finden.
**DAS INVESTMENT:** Was sind Ihrer Beobachtung nach die häufigsten Auslöser?
**Georgios Lekkas:** Befragungen von Fachleuten haben ergeben, dass der Hauptgrund, warum Kunden eine Beraterbeziehung beenden, die nicht zufriedenstellende Performance des angelegten Portfolios ist. Das überrascht wenig. Andere Marktforschungsergebnisse deuten jedoch darauf hin, dass die häufigsten Gründe für einen Wechsel des Beraters das Niveau der Finanzberatung und der angebotenen Dienstleistungen, die Qualität der Zusammenarbeit und die Kosten der Serviceleistungen sind. Daher ist es von entscheidender Bedeutung, dass während des gesamten Kundenlebenszyklus zeitnah und individuell auf die Anliegen und Bedürfnisse der Kunden eingegangen wird.
**DAS INVESTMENT:** Wie gehen Sie konkret vor, um Kunden zu identifizieren, die möglicherweise auf dem Absprung sind?
**Georgios Lekkas:** Wir haben die uns zur Verfügung stehenden Daten genutzt, um Modelle für maschinelles Lernen zu entwickeln, die Vorhersagen treffen können, ob ein Kunde fluchtgefährdet ist oder nicht. Dabei verwendeten wir neun Teile der Daten, um den Algorithmus zu trainieren, führten den Algorithmus dann aus und verglichen seine Ergebnisse mit den verbliebenen zehn Prozent der nicht verwendeten Daten. Dieser Prozess wurde mehrfach wiederholt und mit verschiedenen maschinellen Lernmodellen durchgeführt. Natürlich können wir nicht im Voraus sagen, welches Modell sich am Ende des Prozesses als das beste erweist.
**DAS INVESTMENT:** Auf welche Datenbasis stützen Sie sich bei dieser Untersuchung?
**Georgios Lekkas:** Wir haben alle Kundendaten verwendet, die einer Bank zur Verfügung stehen, so beispielsweise die Höhe der Anlagen, die Anzahl und Art der angebotenen Produkte, die Anlageperformance über mehrere Zeithorizonte, Einlagen und Abhebungen und vieles mehr. Wir haben auch öffentlich zugängliche Daten wie die Marktentwicklung oder das Verbrauchervertrauen herangezogen, da dies Faktoren sind, die das Denken der Kunden beeinflussen könnten. Ist die absolute Anlageperformance ausschlaggebend oder ist es die Performance im Vergleich zu anderen?
**DAS INVESTMENT:** Sie versprechen, innerhalb Ihrer Prozesse ebenfalls die Blackbox, in der KI gemeinhin arbeitet, transparent zu machen. Wie geschieht das?
**Georgios Lekkas:** Es ist notwendig, die Entscheidungsprozesse von KI-Systemen offenzulegen, um Verzerrungen, sogenannte Biases, abzuschwächen und Fehler zu vermeiden. Wir verwenden eine Methode, die aus der Spieltheorie stammt und vor einigen Jahren veröffentlicht wurde. Sie quantifiziert den Beitrag der einzelnen Eingaben zum Endergebnis. Wenn wir wissen, welche Faktoren am meisten zur Vorhersage beigetragen haben, können wir einem Benutzer die Ergebnisse des Modells erklären.
**DAS INVESTMENT:** Welche Hinweise bekommt ein Berater konkret, wenn die KI entdeckt, dass ein Kunde möglicherweise zum Wackelkandidat wird?
**Georgios Lekkas:** Die Berater erhalten eine Liste der Kunden, die nach Ansicht des Systems zur Abwanderung tendieren. Die Vorhersage wird durch eine Liste von Faktoren und deren Gewichtung gestützt. Kritisch wird es zum Beispiel, wenn der Faktor „Kontoperformance im Verhältnis zum Markt“ einen Wert vorn 0,12 erreicht oder der Faktor „Anzahl der erstatteten Fonds“, also die Anzahl der Desinvestitionen, bei 0,18 liegt und so weiter. Der Berater kann somit sehen, warum das System einen bestimmten Kunden als gefährdet einstuft.
**DAS INVESTMENT:** Wie kann er dem entgegenwirken?
**Georgios Lekkas:** Das System wirft ein Spotlight auf bestimmte Kunden und macht den Berater auf Fälle aufmerksam, die sonst möglicherweise unentdeckt bleiben. Es obliegt dem Berater zu entscheiden, was als Nächstes zu tun ist: An diesem Punkt kann die prädiktive künstliche Intelligenz dem Berater helfen, die „next best action“ auf der Grundlage der Kundenpräferenzen und unter Berücksichtigung mehrerer weiterer Faktoren schneller zu ermitteln.
**DAS INVESTMENT:** Forschen Sie nur im Feld der Finanzberatung oder auch bei anderen Dienstleistungen?
**Georgios Lekkas:** Wir arbeiten auch an der Lösung von Problemen im Back Office. Wir nutzen Computer Vision und intelligente Dokumentenverarbeitung, um Informationen aus Verträgen, Bestellformularen und Ähnlichem zu extrahieren. Die Automatisierung dieser Art von Aufgaben ist inzwischen ausgereift. Ein neue Forschungsrichtung ist die Nutzung generativer KI zur Extraktion von Informationen aus regulatorischen Dokumenten unter Verwendung von Large Language Models (LLMs), wie sie von Open AI und Meta entwickelt wurden. Wir glauben, dass diese Art von Anwendung genau das ist, was diese Modelle leisten können, ohne die Kontroversen, die in anderen Bereichen wie Urheberrecht, Ethik und so weiter auftreten. LLMs können die Komplexität der menschlichen Sprache bewältigen und die Produktivität und Qualität der Arbeit im Backoffice steigern.
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## Sign Up for our Newsletter
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Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Article
**Tags:** #artificialintelligence, #bigdata, #digital-transformation, #wealthtech, advisory
---
### [Objectway, la tecnologia per l’investitore di domani](https://objectway.com/tecnologia-e-intelligenza-artificiale-per-gli-investitori-del-domani/)
**Published:** November 30, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Intercettare e prepararsi alle esigenze del cliente di domani, facendo leva sulla intelligenza artificiale generativa.
**Content:**
[](/news/)
View all News
# Objectway, la tecnologia per l’investitore di domani
30 Novembre 2023 – Gianbattista Geroldi, CEO Italy Objectway, espone in questa intervista con AziendaBanca come il settore del Private Banking si stia evolvendo, portando investitori e consulenti ad interfacciarsi con le nuove generazioni di clienti nativi digitali.
Intercettare e prepararsi alle esigenze del cliente di domani, facendo leva sulla intelligenza artificiale generativa.
«Il settore del private banking e del wealth management dovrà affrontare una evoluzione significativa per gestire il passaggio di ricchezza dalle generazioni attuali a quelle future – racconta Gianbattista Geroldi, CEO Italy di Objectway.
Questo porterà il settore a confrontarsi con nuovi investitori, nativi digitali, e a sperimentare inediti percorsi di costruzione della ricchezza in accordo a nuove sensibilità ed esigenze di investimento».
La scarsa educazione finanziaria
Il ruolo del consulente, seppure all’interno di un contesto sempre più ibrido, resterà cruciale per mantenere la relazione personale con il supporto delle tecnologie digitali. Soprattutto per migliorare l’educazione finanziaria dei futuri investitori.
«Oggi le nuove generazioni reperiscono le informazioni finanziarie sui social, anche se consapevoli dello scarso livello di qualità e approfondimento dei contenuti proposti – sottolinea Geroldi – ma le tecnologie digitali, con l’intelligenza artificiale generativa in testa, possono valorizzare il ruolo educativo del consulente, oltre che semplificare le attività grazie all’automazione dei processi, offrendo supporto nei processi decisionali, nell’innovazione dell’offerta e nella personalizzazione della relazione».
Alle domande risponde l’intelligenza artificiale
Per quanto riguarda la capacità di gestire grandi quantità di dati eterogenei, uno dei vantaggi offerti dall’intelligenza artificiale generativa è la sua capacità di leggerli, validarli, categorizzarli ed elaborarli per ottenere una risposta in tempi brevissimi.
«Pensiamo alla possibilità per advisor e private banker di fornire riscontri rapidi e circostanziati alle principali domande o dubbi del cliente – spiega Geroldi –, una sorta di assistente virtuale (Intelligent Virtual Assistant) che semplifica e velocizza la gestione delle informazioni».
Automatizzare gli investimenti
Objectway utilizza già AI, machine learning e algoritmi per consentire ai clienti di elaborare strategie di investimento, portafogli ottimizzati e personalizzati, oltre che automatizzare le operazioni di back office.
«Questo è il percorso più comune che banche private e gestori stanno intraprendendo – commenta Geroldi – liberando al tempo stesso le risorse per ruoli di governance e supervisione.
Ma l’AI ha già un ruolo significativo: nella fase di onboarding, costruendo percorsi di engagement fluidi e sicuri grazie all’automatizzazione, e nella valutazione dei rischi con analisi predittive, così da identificare rapidamente la “next best action” per i clienti, con raccomandazioni di investimento che tengono conto di più variabili».
Decisioni comprensibili e affidabilità
Un ulteriore esempio dell’impiego di questa tecnologia è l’innovativo sistema di previsione del tasso di abbandono dei clienti realizzato da Objectway.
«Fornisce indicazioni sulle motivazioni per cui un particolare cliente potrebbe lasciare l’istituto finanziario: in questo caso, parliamo di explainable AI, strumento prezioso per la fidelizzazione dei clienti.
Affinché l’adozione dell’AI generativa abbia successo, è importante che l’affidabilità della tecnologia e la normativa di riferimento possano evolvere di pari passo.
[](https://www.linkedin.com/in/gianbattista-geroldi-070a322a/)### Gianbattista Geroldi
CEO Italy, Objectway
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[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
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[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
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### [„Nicht auf Vorteile der KI verzichten“](https://objectway.com/nicht-auf-vorteile-der-ki-verzichten/)
**Published:** January 3, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** KI hält Einzug in die Finanzberatung, einschließlich Kommunikation und Kundenbetreuung. Dies ist der Ausblick von Roger Portnoy.
**Content:**
[](/news/)
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# „Nicht auf Vorteile der KI verzichten“
3\. Januar 2024 – Künstliche Intelligenz hält in der Finanzberatung Einzug. Noch steckt sie in den Anfängen. Das Potenzial ist groß, wie Roger Portnoy, Experte für Finanzdienstleister beim Beratungshaus Objectway, erläutert.
Die Künstliche Intelligenz (KI) bietet in der Finanzberatung viele Möglichkeiten, zum Beispiel bei der Kommunikation und der Betreuung von Kunden. Mit dem Einsatz von KI lassen sich Arbeitsabläufe effizienter gestalten.
Auf breiter Front wird KI in der Finanzberatung aber noch nicht eingesetzt, sagt Roger Portnoy. Er erläutert, worauf es beim Einsatz von KI ankommt und wie Finanzberater sie am besten nutzen können.
**Handelsblatt:** Herr Portnoy, können Sie bitte erläutern, wie Finanzberater Künstliche Intelligenz (KI) nutzen können?
**Roger Portnoy** Bislang gibt es vor allen generative KI-Lösungen auf der Grundlage von großen Sprachmodellen (LLM), die die Arbeit von Finanzberatern unterstützen können. Zum Beispiel, um überzeugende und unvoreingenommene Marktkommentare zu erstellen oder auch hochwertige E-Mails mit einem persönlichen Tonfall zu verfassen, der auf die Bedürfnisse der Kunden abgestimmt ist.
Das sind reale Anwendungen, die in erster Linie die Produktivität verbessern und sich auf die betriebliche Effizienz beziehen. Die Akzeptanz wird dadurch gefördert, dass man sich darauf konzentriert hat, KI-Systeme als virtuelle Assistenten und nicht als „Berater“ einzusetzen – und Big Data zu nutzen, wenn es um Kundenprofile, Kundenverhalten, Anlagevorschläge und bewährte Praktiken des Beraters geht.
**Handelsblatt:** Hilft KI auch, bessere Anlageentscheidungen zu treffen?
**Roger Portnoy** Derzeit wird ein breites Spektrum an KI-Modellen erforscht, die helfen sollen, bessere Portfolios zu konstruieren. Insbesondere geht es dabei um die Zusammenstellung der Portfolios nach Faktoren und Themen. Aber auch neue quantitative Modelle für die Alpha-Generierung spielen eine Rolle. Dabei geht es darum, bessere Resultate als der Markt zu erzielen und dabei unstrukturierte Daten für das Sentiment zu verarbeiten.
Derzeit werden aber auch Instrumente entwickelt, um Finanzberater und Anleger bei der Bewertung der Risiken von Greenwashing zu unterstützen. Ich würde sagen, dass KI-Deep-Learning-Systeme zwar in der Lage zu sein scheinen, Modelle mit einer höheren Erfolgswahrscheinlichkeit zu erstellen, dass es ihnen aber oft noch an Erklärbarkeit mangelt und dies daher ein Hindernis für ihre Annahme durch Anlageberater darstellt.
**Handelsblatt:** Wie weit sind wir mit der KI in der Finanzberatung aktuell?
**Roger Portnoy** Wir befinden uns ehrlich gesagt noch nicht in einem Stadium, in dem KI auf breiter Front in der Finanzberatung eingesetzt werden kann. Trotz des Hypes‧ und der oft verbreiteten Botschaft, dass die Einführung von KI zu einer explosiven Wertschöpfung führen kann. Größere Unternehmen haben einen viel besseren Zugang zu Data-Science und Dateninfrastrukturen sowie einen weitaus größeren Pool an Ressourcen.
Sie sind daher in der Lage, mehr zu experimentieren und dies schneller zu tun als andere. Diese Unternehmen können auch finanzierbare Geschäftsszenarien erstellen, die eine verbesserte Produktivität, geringere Fehlerquoten, ein geringeres Compliance-Risiko und eine größere Konsistenz ermöglichen. Das verschafft ihnen einen klaren Vorsprung bei der Einführung.
**Handelsblatt:** Was ist mit den Risiken der KI, die immer wieder diskutiert werden?
**Roger Portnoy** Wie bei anderen aufstrebenden Technologien hat sich die Qualität und Genauigkeit von KI-Systemen viel schneller vollzogen als die Einführung von Risikokontrollen und einer angemessenen Regulierungsaufsicht. Beide Aspekte müssen sich angleichen. KI braucht also auch einen regulatorischen Rahmen, der Risiken im Umgang mit KI reduziert. Ich sehe dies als einen Prozess, der zwei Jahre in Anspruch nehmen wird. Ausgehend von heute.
**Handelsblatt:** Viel ist von ChatGPT die Rede: Wie können Finanzberater diese Software einsetzen?
**Roger Portnoy** Ich wiederhole mich vielleicht, aber ChatGPT, ein weit gefasster Begriff für generative KI und große Sprachmodelle (LLM), stellt Benutzern eine leistungsstarke und erweiterbare Konversationsmaschine zur Verfügung. Die Daten, auf denen die Fähigkeiten des Modells beruhen, sind sowohl umfangreich als auch tiefgründig, aber auch nicht zu 100 Prozent faktisch und nicht zu 100 Prozent unvoreingenommen.
Dies birgt zwar Risiken, wenn diese Systeme unerfahrene Benutzer einsetzen, ist aber dennoch ein großer Fortschritt. Es zeigt, wie nützlich Systeme der KI sein können. Zumal Konversation die primäre Form des Engagements und der Zusammenarbeit zwischen Menschen in vielen verschiedenen Beratungssituationen ist.
**Handelsblatt:** Kann ChatGPT also zu einem wichtigen Hilfsmittel für Finanzberater werden?
**Roger Portnoy** Ja. Das ist möglich. Wenn es gelingt, ChatGPT richtig einzusetzen und Richtlinien und Verfahren zur Behebung seiner Mängel einzuführen, kann es zu einem leistungsstarken virtuellen Assistenten für den Finanzberater werden. Schließlich kann ChatGPT nicht nur rund um die Uhr arbeiten, sondern auch Dienste zur Information und Aufklärung des Kunden vor und nach dem Beratereinsatz anbieten. Damit können Finanzberater ihren Kunden eine individuelle Beratung bieten, die das persönliche Gespräch ideal ergänzt.
**Handelsblatt:** Wie sollten Finanzberater vorgehen, um KI zu nutzen?
**Roger Portnoy** Finanzberater sind gefragt, um die Beratungslücke weltweit zu schließen, indem sie ihre Fähigkeit optimieren, mehr Finanzpläne und Anlagevorschläge zu erstellen. Dabei sollten sie keine Kompromisse bei der Qualität, der Pünktlichkeit oder der Personalisierung ihres Engagements eingehen.
Während die Ausbildung von Hochschulabsolventen in der Branche fortgesetzt und idealerweise ausgeweitet werden muss, sollten KI-Systeme auch in Bereichen wie dem Kunden-Onboarding, der Faktensuche, der regelmäßigen Kundenkommunikation, der standardisierten Kundenprüfung und der Kundenberichterstattung eingesetzt werden. Und zwar auf eine Art und Weise, die das Talent und das Know-how des Beraters und die Fähigkeit von KI-Systemen zur Umsetzung komplexer Geschäftsanforderungen in skalierbare Abläufe nutzt.
**Handelsblatt:** Sollten Finanzberater, die KI einsetzen wollen, mit spezialisierten Firmen kooperieren?
**Roger Portnoy** In der Regel verfügen auch größere Finanzdienstleister nicht über entsprechendes Know-how und Kapazitäten. Der beste Weg, um die Vorteile der KI zu nutzen und zu erreichen, sind Partnerschaften mit Spezialisten, die diese Fähigkeiten einbringen und individuell passende Lösungen entwickeln.
**Handelsblatt:** Kann KI dazu beitragen, Finanzberatung besser zu machen?
**Roger Portnoy** Ich denke, dass „besser“ das falsche Wort ist, um die Auswirkungen der KI auf die Finanzberatung zu beschreiben. KI hat das Potenzial, die Beratung weniger anfällig für die Voreingenommenheit des Beraters zu machen. Sie kann manchmal auftreten, wenn ein Ungleichgewicht zwischen Kunde und Berater besteht.
Die Unternehmen sind sich zunehmend bewusst, dass die Aufsichtsbehörden von den Beratern eine wirklich transparente und unparteiische Beratung verlangen. Dies gilt insbesondere bei Produkten, und dabei kann KI sicherlich helfen. KI-Systeme können auch sicherstellen, dass Unternehmen konsequent dort handeln, wo sie es tun sollten.
**Handelsblatt:** Welche Vorteile bietet KI für einen guten Kundenservice?
**Roger Portnoy** KI-Systeme ermöglichen auch den Zugriff auf das Know-how des Beraters zu Zeiten, in denen er nicht verfügbar ist, und zwar auf eine Art und Weise, die dem Einsatz von Callcentern vielleicht überlegen ist. Passend eingesetzte KI-Systeme sind überlegen bei der Erfassung und Aggregation von Konto- und Marktinhalten sowie bei der Bereitstellung dieser Inhalte über mobile und digitale Kanäle auf eine ansprechendere Weise.
**Handelsblatt:** Wie muss sich ein Finanzberater in Zukunft positionieren, um in einem Umfeld mit Digitalisierung und KI bestehen zu können?
**Roger Portnoy** Die Berater werden zunehmend auf KI-Systeme stoßen, die sie im Arbeitsalltag umgeben und die Teil vieler Workflow- und Produktivitätstools sind, die sie bereits nutzen. Das bedeutet, dass die Berater keine völlig neuen Systeme erlernen müssen, sondern nur lernen müssen, wie sie funktionierende KI in ihre täglichen Gewohnheiten einbauen, um sie optimal für sich nutzen zu können.
Viele Berater, die vorsichtig mit Technologie umgehen und zurückhaltend bei neuen Technologien sind, sollten umdenken. Sie sollten aber nicht auf die Vorteile der KI verzichten. Diese liegen vor allen Dingen in einer schnelleren Kundenakquise, einem reibungsloseren Onboarding und besser skalierbaren Geschäftsergebnissen. Die Möglichkeiten der KI sind einfach zu groß, um sie zu ignorieren.
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
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[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
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[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
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### [Objectway. L'AI cambia il rapporto con banche e consulenti](https://objectway.com/objectway-lai-cambia-il-rapporto-con-banche-e-consulenti/)
**Published:** June 4, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Roger Portnoy, Chief Strategy Officer di OW, spiega come l'integrazione dell'AI nei processi di gestione patrimoniale possa snellire la relazione banche-clienti
**Content:**
[](/news/)
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# Objectway. L’AI cambia il rapporto con banche e consulenti
4 Giugno 2024 – Maggiore fiducia nel consulente, clientela sempre più fedele e una migliore reputazione per la banca. Roger Portnoy, Chief Strategy Officer di Objectway, racconta ad AziendaBanca come l’integrazione dell’AI nei processi di gestione patrimoniale possa migliorare la relazione tra banche e clienti.
L’integrazione dell’intelligenza artificiale e dell’automazione dei processi nella gestione patrimoniale può indubbiamente snellire i flussi di lavoro dei consulenti, alleggerendoli dalle attività amministrative per concentrarsi al meglio sulla relazione con il cliente.
Un rapporto win-win
Grazie all’AI, inoltre, il consulente conosce in modo più approfondito le esigenze e le preferenze del cliente, per offrire soluzioni su misura e in modo proattivo. «Questo non solo migliora la proposta di valore del consulente, ma rafforza anche la posizione della banca come partner finanziario di fiducia – osserva Portnoy. L’integrazione di componenti di AI negli strumenti tecnologici a disposizione dei consulenti aumenta l’efficienza e l’accuratezza del processo decisionale, per ottenere i migliori risultati in termini di investimento e gestione del rischio. E ne giova la reputazione della banca».
Conquistare la nuova generazione di investitori
Tra le grandi sfide del WM, c’è anche la conquista di segmenti di clientela ancora non pienamente presidiati, come gli affluent e le nuove generazioni. «Per loro la tecnologia è fondamentale: le banche possono mettere quindi a disposizione mobile app e interfacce user friendly e sfruttare AI e algoritmi di apprendimento automatico per analizzare grandi quantità di dati, adattando la loro offerta alle esigenze specifiche di ogni segmento – precisa Portnoy. Anche l’educazione e l’accessibilità finanziaria passano dalle nuove tecnologie: si possono creare piattaforme di investimento accessibili, strumenti interattivi e tutorial per consentire ai clienti di prendere decisioni informate. Importante, soprattutto per le nuove generazioni, è poi l’integrazione dei criteri ESG, per investimenti sostenibili ed etici».
I progetti tecnologici in corso
Nel wealthtech le componenti di intelligenza artificiale offrono nuovi campi di impiego e di innovazione. «Dalla ottimizzazione dei portafogli e del rischio all’interno dei processi di portfolio management – osserva Portnoy – fino alla elaborazione degli ordini dei clienti. Stiamo utilizzando tecnologie di deep learning per gestire i dati non strutturati presenti in diverse tipologie di documenti e comunicazioni, insieme a soluzioni di hyper-automation per la conformità degli investimenti: queste soluzioni accelerano la corretta applicazione delle regole di investimento agli ordini dei clienti, con regole di pre e post negoziazione per l’elaborazione».
Focus su onboarding e assistente virtuale per i consulenti
Inoltre, attraverso l’impiego di Large Language Models, Objectway sta lavorando a soluzioni per migliorare l’onboarding dei clienti. «L’obiettivo è facilitare l’acquisizione e la conversione dei clienti, il fact-finding, la pianificazione finanziaria e l’adeguatezza – chiarisce Portnoy. Mentre per i consulenti, siamo al lavoro su soluzioni di assistenza virtuale che offrono indicazioni e informazioni per definire la next best action. Infine, l’RPA e l’automazione intelligenze dei processi, attraverso framework low code, si inseriranno nelle soluzioni di amministrazione dei fondi e Transfer Agent».
Questa trasformazione modifica in diversi modi anche le tradizionali dinamiche con banche e consulenti. Avere più tempo da dedicare all’interazione con il cliente favorisce relazioni forti e durature, contribuendo ad aumentare la fiducia e la fedeltà del cliente verso il consulente e la banca.
[](https://www.linkedin.com/in/roger-portnoy-a16b67/)### Roger Portnoy
Chief Strategy Officer Objectway
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
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[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
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[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
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### [Il phygital è a misura di cliente (e prodotto)](https://objectway.com/il-phygital-e-a-misura-di-cliente-e-prodotto-aziendabanca-day/)
**Published:** January 9, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** I modelli di relazione phygital possono essere utilizzati da banche e fornitori per rafforzare la clientela e il prodotto offerto facendo leva sull'AI.
**Content:**
[](/news/)
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# Il phygital è a misura di cliente (e prodotto)
9 gennaio 2024 – In occasione dell’edizione 2023 dell’AziendaBanca Day, banche, insurtech e fornitori hanno raccontato come i modelli di relazione phygital possono essere declinati a seconda del target di clientela e del prodotto ricercato dal cliente. Facendo ricorso alla tecnologia, AI in testa.
Qual è il giusto mix tra fisico e digitale? Tutti i player finance e xtech stanno adottando un modello di relazione phygital, alla ricerca del giusto equilibrio tra le due componenti di un’unica esperienza.
La chiave di volta è la personalizzazione del modello di servizio, ovvero la capacità di offrire journey distintivi a seconda del segmento di clientela (affluent, PMI e privati) e del prodotto o servizio richiesto. Facendo leva sul giusto mix di fisico e digitale, anche grazie all’impiego della tecnologia. Ecco le esperienze, italiane ed estere, dei gruppi bancari e dei player insurtech che hanno partecipato all’edizione 2023 dell’AziendaBanca Day, organizzato in collaborazione con Objectway.
Ripensare lo spazio fisico, per il cliente affluent
Partiamo dalle esperienze di DINN! in Georgia, che, come un laboratorio di in- novazione, ha accompagnato una banca nazionale in questo processo di differenziazione del modello di servizio in base al target: clienti private, imprese e nuove generazioni. Con un chiaro obiettivo: fidelizzare la clientela attraverso una esperienza distintiva, capace di rafforzare l’immagine del brand bancario. «Otto anni fa è nata SOLO di Bank of Georgia – racconta Andrea Borsetto, Chief Creative and Founder di DINN!. Una sorta di club privato, dedicato al segmento affluent, che offre all’interno di uno spazio fisico una serie di opportunità ed esperienze tra il fisico e il digitale: dallo shopping all’interno di boutique esclusive, all’acquisto di viaggi, oltre naturalmente alla consulenza. A questo si affianca il nuovo concept SOLO X, con un forte focus sulle nuove generazioni, una filiale retail che punta sull’automazione e 4B, format ideato per le PMI: un headquarter per la consulenza sulla crescita dell’impresa, che offre servizi utili e supporto nella gestione patrimoniale grazie a una rete di partnership attive, linee di credito e mette a disposizione delle aziende clienti della banca anche gli spazi all’interno della filiale, per organizzare workshop o corsi di formazione».
A misura di cliente private
Restando in ambito grandi patrimoni, in Italia ha da poco compiuto un anno Zurich Bank, la nuova realtà che coniuga la rete di Financial Advisor di Zurich con una rete di partnership per servire la clientela in modo olistico. La relazione è in mano al consulente, ma affinata dalla tecnologia grazie alla piattaforma di digital advisory, realizzata con Objectway ma anche con l’ascolto degli advisor stessi. «Attraverso una nuova piattaforma, abbiamo servito il nostro intero parco clienti, generando migliaia di ordini in questi primi 12 mesi – premette Omar Campana, Chief Operating Officer di Zurich Italy Bank – e attivando quello che, di fatto, rappresenta il primo asset informatico di Zurich Bank, sviluppato anche grazie alle partnership con primari player in ambito tecnologico, con l’obiettivo di continuare a evolvere la nostra offerta. Abbiamo coinvolto nella roadmap trasformativa la rete di consulenti finanziari e siamo andati oltre il semplice ascolto del cliente: insieme agli advisor abbiamo costruito, in logica social, un’offerta che si adatta alle esigenze dei clienti più importanti, con un sofisticato modello di consulenza ad architettura aperta».
Automazione e data quality per una nuova experience
La sfida, per Objectway, è stata implementare una soluzione di advisory per la neobanca che fosse di facile fruizione e capace di migliorare l’esperienza dei consulenti e dei clienti. Nel giro di sei mesi è nata la piattaforma dedicata per Zurich, che permette di analizzare in modo automatizzato, dal punto di vista qualitativo e quantitativo, i portafogli di investimento, creando client reporting, ovvero indicatori di performance storiche sul cliente per affinare le analisi, con modelli di consulenza personalizzati sui segmenti di clientela nel target di Zurich Bank. La piattaforma ha inoltre costruito e valida- to oltre 100mila proposte di investimento, accettate poi dai clienti, raggiungendo l’obiettivo di semplificare la creazione di raccomandazioni di investimento personalizzate.
Una piattaforma per le imprese e gli imprenditori
La presenza della tecnologia si estende anche nell’interazione con un altro segmento di clientela, ovvero quelle delle Piccole e Medie Imprese (PMI) italiane. Recentemente CheBanca! ha lanciato la piattaforma Premier Business, sviluppata in collaborazione con Accenture. L’obietti- vo è quello di intercettare gli imprenditori sia già clienti di CheBanca! sia prospect, fornendo una soluzione in grado di soddisfare le esigenze di operatività transazionale tipiche di un’impresa. Questo include l’apertura di un conto online con onboarding digitale, il pagamento degli F24, ma anche l’offerta di finanziamenti, prodotti di protezione e ovviamente investimenti, il tutto con l’assistenza di un banker dotato di una piattaforma di ultima generazione. «La nostra ambizione è di creare una sinergia tra il cliente-impresa e l’imprenditore, considerato come cliente privato – spiega Marco Zaffaroni, Chief Operating Officer di CheBanca!. La piattaforma, basata su cloud e sull’open banking, è a disposizione dei banker e dei consulenti, con l’obiettivo di semplificare la consulenza agli imprenditori. Tuttavia il progetto ha richiesto anche un piano di formazione per i nostri advisor su tematiche di gestione d’impresa, per poter fare leva sulle competenze e l’offerta del Gruppo Mediobanca». «Sono poche le banche che hanno investito nella creazione di piattaforme specializzate per le PMI – continua Giorgio Coppola, Managing Director, Banking Lead Italia, Centro Europa e Grecia di Accenture – e il mondo SME è sempre stato considerato come una estensione dei privati. Il deficit di offerta ha mostrato un’opportunità per alcuni player che in gran parte hanno digitalizza- to la parte transazionale, per poi cercare di entrare nel lending. Ma la tecnologia oggi è un facilitatore per le banche, che possono creare piattaforme dedicate per offrire servizi ancillari al core business, ma integrati».
Il modello phygital per l’assicurazione alle PMI
Il modello pure digital, soprattutto quando si tratta di temi importanti, come ad esempio la protezione, non è sempre il più adatto. Ancora di più, se si guarda a un segmento come quello delle PMI, degli artigiani e dei professionisti, da sempre in Italia sotto-assicurati, e che ricercano un confronto per ottenere polizze personalizzate.
«Le PMI italiane spendono il 40% in meno in protezioni assicurative rispetto a quelle europee, ma la consulenza è l’elemento più importante, persino del prezzo, per un cliente che cerca soluzioni personalizzate – spiega Ivan Pivirotto, Managing Director di Wopta Assicurazioni. Il nostro modello di business si fonda su tre pilastri: progettare soluzioni ad hoc con partner assicurativi, sfruttare la tecnologia e l’integrazione dei dati e, infine, appoggiarci a una rete di specialisti assicurativi (oggi già 150 Wopters, NdR) presenti sul territorio. Siamo partiti da meno di due anni con un modello di business misto phygital, tra il fisico e il digitale, perché il target presenta esigenze diverse per cultura, rischi e coperture». Inoltre, la insurtech ha all’attivo collaborazioni con CNA – Confederazione Nazionale dell’Artigianato e della Piccola Impresa, BeProf – la piattaforma di servizi di ConfProfessioni, ConfCommercio, Hype, e Facile.it Partners, per la distribuzione delle polizze Wopta per te, presenti anche online in versioni semplificate, dove il cliente può richiedere preventivi con pochi dati, tra i quali ad esempio la partita IVA, e poi un algoritmo di machine learning elabora tre pacchetti di offerta.
Il credito su pegno: app e partner sul territorio
Il modello phygital si ritrova anche nel credito su pegno, dove la tecnologia è un potente abilitatore della relazione: per- mette infatti di raggiungere un numero sempre maggiore di clienti, o potenziali tali. Semplicemente con una app. Da pochi mesi è attiva la nuova app Kruso Kapital per il credito su pegno: tutto il pro- cesso è digitalizzato. Si può accedere con SPID, stimare il bene online scattando una foto e inserendo poche informazioni, chiederne il ritiro a domicilio, accettare l’offerta del perito, sottoscrivere (e rinnovare) la polizza, e ricevere il finanziamento direttamente sul proprio IBAN. «Da casa, in pochi giorni, si ottiene il credito su pegno: lo storico servizio è virtualizza- to in una applicazione – spiega Roberto Casanova, Direttore Operations e ICT di Kruso Kapital – e non abbiamo più limiti legati alla territorialità. Potenzialmente possiamo raggiungere tutta Italia grazie alla rete di partner che effettuano in totale sicurezza il ritiro dei beni dati in pegno presso il domicilio dei clienti, per custodirli nei nostri caveau».
La blockchain e le aste digitali per raggiungere più clienti
Si tratta di un processo all’avanguardia, basato su blockchain, dove le polizze sui beni dati in pegno sono dematerializzate sotto forma di NFT: il credito su pegno storicamente è un titolo al portatore, quindi è stato tradotto in un token univoco, nota- rizzato su blockchain privata. «Nonostante la titubanza iniziale, grazie alle filiali e alle campagne di marketing abbiamo raggiunto il traguardo di 1.400 polizze rinnovate ogni mese via app, più del 20% del totale, con un notevole risparmio anche di tempo per la nostra rete, motivo per cui sarà pro- posta anche ai clienti in filiale – continua Casanova. Inoltre, per i beni all’asta, oltre il 90% delle offerte avviene in modo digitale e abbiamo ampliato la base clienti, contando quasi 30 nuovi clienti tutti i mesi».
Bancassicurazione pure digital
Anche la bancassicurazione evolve verso un modello full digital. Il progetto è portato avanti da BPER Banca, che ha creato insieme al partner Unipol una piatta- forma per la distribuzione di polizze full digital. «La nostra mission è supportare gli obiettivi di bancassurance del Piano Industriale – annuncia Pasquale Panzarino, Responsabile della Direzione Strategie Assicurative di BPER Banca – e posizionarci come leader sul mercato retail grazie alla divisione bancassicurativa. Vogliamo avvicinare i clienti che prediligono il digitale ai prodotti assicurativi più tradizionali e proporre le soluzioni più adatte a una proposizione digitale e, a breve, lanceremo la prima soluzione bancassicurativa completamente digitale, dedicata al mondo odontoiatrico». Compito dell’AI, al momento, è migliorare la definizione del target della bancassicurazione digitale e anche il customer journey del cliente: nel mondo digital, a differenza di quanto accade nella discreta consulenza assicurativa, è tutta una questione di sapere cogliere l’attimo e creare esperienze personalizzate. Così da aumentare le occasioni di contatto e le opportunità di business.
L’assistente virtuale conversazionale
E se il cliente ha bisogno di porre una domanda alla banca, la tecnologia si affianca alle persone grazie a un assistente virtuale intelligente. «Stella è il nostro assistente virtuale che, recentemente, è stato anche dotato di intelligenza artificiale, aumentandone quindi la sua efficacia – spiega Salvatore Naous, Digital Channels di Banca Sella. Vogliamo essere vicini ai nostri clienti quando e dove ne hanno bisogno, in ogni momento. Questo è possibile grazie al connubio di persone e tecnologia, con l’ambizione di offrire una esperienza naturalmente vicina all’interazione umana 24/7. Stella è a disposizione dei nostri clienti all’interno dei canali digitali e, di recente, anche nel nostro sistema IVR, migliorando quotidianamente la sua capacità di comprensione che a oggi supera il 90% dei dialoghi. Laddove vi siano poi necessità specifiche, il cliente viene messo in contatto con un consulente o può fissare un appuntamento. Un approccio phygital che troviamo, ad esempio, nell’ambito degli investimenti e del servizio di advisory desk: attraverso la nostra app Sella Invest, il cliente può finalizzare le operazioni in modalità self oppure rivolgersi a un nostro consulente chiamandolo direttamente, fissando un appuntamento telefonico o una video call. La tecnologia resta un tema centrale, e nei centri di competenza Sella abbiamo realizzato vari casi d’uso per l’AI anche in altri ambiti: dalla prevenzione delle frodi, a modelli di propensione utilizzati per campagne marketing, fino all’automazione dell’onboarding e del KYC».
Il chatbot nella branch remota
Infine, per tutti i clienti che scelgono di non andare nella filiale fisica, ma vogliono comunque avere una relazione e parlare con un consulente fuori orario, è in arrivo la branch remota di UniCredit: Buddy. Nata come modello conversazionale del gruppo, oggi Buddy si propone come modello complementare nell’offerta del Gruppo, integrando anche i servizi di intermediazione di UniCredit Subito Casa. E allarga il target, rivolgendosi non solo ai giovani ma a tutti i clienti: opera come una filiale, al fianco di quelle fisiche, utilizzando però canali digitali e remoti. «Si parte dalla chat, per rispondere alle prime esigenze della clientela, ma con Buddy revolution – dichiara Barbara Tamburini, Head of Products Development & Marketing Communication di UniCredit – saranno a disposizione da remoto consulenti in orario esteso, anche al sabato, oltre alla possibilità di richiedere a domicilio un appuntamento alla rete di Agenti in attività finanziaria. Va superata la dicotomia tra fisico e digitale, perché anche il rapporto che abbiamo con una esperienza self è cambiata: in primis è una scelta, non un obbligo o una necessità, e per funzionare deve basarsi sulla relazione di fiducia con il cliente, che nessuno strumento digitale può sostituire. Ma può essere di supporto per potenziare l’esperienza del cliente: abbiamo da poco lanciato, grazie all’AI, la possibilità per i clienti di trasferire il loro conto corrente via chat, utilizzando il chatbot, e nel caso di domande potranno parlare con un operatore, per poi tornare nuovamente al chatbot per concludere l’operazione, con una esperienza fluida e smart».
Ogni giorno, i consulenti finanziari hanno a loro dispo- sizione un sistema di data quality evolu- to che aggiorna tutti i dati dei portafogli dei clienti, applicando scenari di rischio su 14mila strumenti e soluzioni, per 135mila clienti e oltre 500mila rendimenti storici.
[](https://www.linkedin.com/in/michele-tanzi-39b18410/)### Michele Tanzi
Wealth Management Solution Director, Objectway
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### [IA e Wealth management: cogliere le opportunità evitando i rischi](https://objectway.com/ia-e-wealth-management-cogliere-le-opportunita-evitando-i-rischi/)
**Published:** January 15, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** L’IA ha il potenziale per apportare grandi benefici al wealth management. Il 60% degli operatori ne sta già sperimentando l'applicazione nelle proprie attività.
**Content:**
[](/news/)
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# IA e Wealth management: cogliere le opportunità evitando i rischi
15 Gennaio 2024 – L’intelligenza artificiale ha il potenziale per apportare grandi benefici al wealth management, ma per coglierne a pieno le opportunità occorre che i professionisti del settore comprendano a fondo i processi di questa nuova tecnologia. Ne parliamo con Georgios Lekkas, Innovation Director di Objectway.
I giorni in cui i fornitori di servizi finanziari esitavano ad abbracciare l’intelligenza artificiale sono finiti. Banche, wealth e asset manager hanno riconosciuto l’IA come una delle tecnologie strategicamente essenziali per il settore e sono pronte ad investire oltre 4.9 miliardi di dollari entro il 2024 per implementarle nel proprio business, riporta GlobalData.
Anche in Italia, dove l’adozione di nuove tecnologie impiega più tempo a diffondersi, quasi il 60% degli operatori del wealth management stanno già sperimentando l’utilizzo dell’IA nelle proprie attività, riporta la Consob, mentre a livello globale l’83% delle banche ha già investito in IA e prevede di aumentare la propria spesa nei prossimi due anni, riporta Objectway, tra i principali supplier a livello globale di soluzioni end-to-end per wealth, banking e asset management. Ma quali sono oggi e saranno in futuro le aree della consulenza patrimoniale ad essere maggiormente impattate da questa nuova tecnologia? Quali opportunità porterà e come gli operatori dovranno prepararsi per sfruttare le sue potenzialità invece che subirne l’arrivo? Lo vediamo con Georgios Lekkas, Innovation Director di Objectway.
Investimenti in IA: ecco i vantaggi per il wealth management
Secondo uno studio di GlobalData, in tutto il mondo gli investimenti in Intelligenza Artificiale del settore retail banking ammonteranno a circa 4,9 miliardi di dollari entro il 2024, evidenziando un tasso di crescita di quasi il 22% dal 2019. Tuttavia, la sfida principale è identificare dove investire. “Capire dove allocare queste risorse sarà una sfida importante per gli operatori”, spiega Lekkas. “Attualmente, il segmento bancario sta investendo sull’IA in primo luogo con l’obiettivo di aumentare l’efficienza operativa piuttosto che per generare nuove entrate. Una seconda area di investimento è quella delle spese relative al personale legate all’IA”. La mancanza di conoscenze specialistiche costituisce infatti una sfida prioritaria e secondo studi di settore circa un terzo delle banche ritiene necessario riqualificare i propri dipendenti, mentre poco più di una su quattro intende assumere nuove risorse per gestire correttamente queste tecnologie. “Muoversi con anticipo potrebbe rivelarsi una scelta strategica, considerando che nel settore dei servizi finanziari, l’IA generativa ha il potenziale per generare un valore tra i 200 e i 340 miliardi di dollari, una quota compresa tra il 2,8 e il 4,7 % del fatturato totale del settore”.
Vantaggi anche per i clienti…
Ma i vantaggi dell’applicazione dell’IA non si limitano al mero efficientamento dei processi. “Un gran numero di modelli di IA sono attualmente in fase di adozione – osserva Lekkas – per aiutare a costruire portafogli migliori, la cui strutturazione sarà basata sull’analisi puntuale di fattori e temi. Ma non è tutto: anche i nuovi modelli quantitativi per la generazione di alfa svolgono un ruolo importante. L’obiettivo è ottenere risultati migliori del mercato ed elaborare dati non strutturati sulla base del sentiment”. Anche sul piano della client experience l’intelligenza artificiale può apportare importanti benefici, grazie all’automazione dei processi manuali la cui fallibilità inficia negativamente la relazione cliente-istituto. Ciò dovrebbe permettere al settore bancario di offrire un servizio capace di anticipare le possibili esigenze del cliente. “Affinché ciò sia possibile occorre porre solide basi per le iniziative di IA, come la definizione delle responsabilità, l’acquisizione di conoscenze sufficienti tra i dipendenti, la corretta gestione dei dati e, soprattutto, la selezione dei giusti casi d’uso”.
…e per i consulenti
Nonostante la reazione positiva del wealth management all’introduzione dell’Intelligenza Artificiale, non mancano le perplessità – soprattutto da parte dei consulenti – nei confronti dell’automazione dei processi e delle potenziali applicazioni dell’IA in questo settore. Secondo l’esperto di Objectway, tuttavia, in un contesto sempre più ibrido umano-digitale la figura del consulente rimarrà cruciale per il mantenimento della relazione personale con il supporto delle tecnologie digitali. “Le tecnologie digitali, soprattutto l’IA generativa – spiega Lekkas – possono rafforzare il ruolo dell’advisor e offrire supporto nei processi decisionali, nell’innovazione dell’offerta e nella personalizzazione della relazione. L’IA non sostituirà il consulente, piuttosto sarà di supporto al lavoro di quest’ultimo, come già accade per la stesura di commenti e analisi di mercato e per la predisposizione di mail personalizzate sulle esigenze del cliente”.
Sfruttare il potenziale dell’IA: occorre prima comprenderlo
Utilizzare una nuova tecnologia, soprattutto una disruptive come l’IA, richiede innanzitutto che essa sia compresa da chi se ne avvale. Per questo motivo l’Innovation Director di Objectway ritiene che le aziende dovranno capire per quali scopi e in che modo usare l’IA, adattandone l’impiego alle caratteristiche dei propri processi. “Ma dovranno anche far comprendere ai propri clienti il valore di questa nuova tecnologia: se ciò non dovesse accadere l’IA non sarà in grado di apportare un reale valore alle aziende e al loro business”, osserva Lekkas. La mancanza di un’adeguata comprensione sta limitando l’adozione dell’IA generativa, nonostante ne si intuiscano le potenzialità. A pesare sono pregiudizi relativi alla trasparenza nella gestione dei dati e al rispetto della privacy. “Non stupisce che il 45% dei professionisti del wealth management intendano investire per implementare sistemi di IA spiegabile (explainable AI) entro i prossimi dodici mesi”. Queste tecnologie, infatti, consentono di comprendere e considerare affidabili i risultati e gli output generati mediante algoritmi di machine learning. “Le società e i professionisti del wealth più lungimiranti svilupperanno le loro capacità di IA spiegabili prima di lanciare soluzioni rivolte al cliente potenzialmente sopravvalutate.”
L’uso di strumenti di intelligenza artificiale ha il potenziale per aumentare la soddisfazione dei clienti, migliorare i processi decisionali e l’esperienza dei dipendenti, riducendo al minimo il rischio di frodi e violazioni della compliance attraverso una migliore attività di monitoraggio.
[](https://www.linkedin.com/in/glekkas/)### Georgios Lekkas
Innovation Director, Objectway
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[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
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7 September 2026
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### [Es herrscht eine große Bereitschaft, sich am Wandel zu beteiligen](https://objectway.com/es-herrscht-eine-grose-bereitschaft-sich-am-wandel-zu-beteiligen/)
**Published:** March 20, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Das Interview mit Karl im Brahm, CEO Objectway Dach Region, bietet einen ganzheitlichen Blick auf die Transformation des Bankensektors durch die Digitalisierung.
**Content:**
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# Es herrscht eine große Bereitschaft, sich am Wandel zu beteiligen
20\. März 2024 – Karl im Brahm, CEO bei Objectway erklärt im Interview, welche Chancen, Herausforderungen und Risiken der Digitalisierung es im Banking gibt.
Karl im Brahm, CEO bei Objectway, er beschreibt die Auswirkungen der regulatorischen Anforderungen und der Rolle von Partnerschaften zwischen etablierten Banken und Fintech-Unternehmen als Innovationstreiber der Branche. Insgesamt wirft das Interview einen ganzheitlichen Blick auf die Transformation der Bankenbranche durch die Digitalisierung.
**Manage it:** Welche zentralen Chancen bietet die Digitalisierung für Banken, um ihr Geschäft zu erweitern und ihre Dienstleistungen zu verbessern?
**Karl im Brahm:** Sowohl Finanzinstitute als auch Technologieunternehmen übernehmen digitales Banking souverän als »Business as Usual« und machen unaufhaltsame Fortschritte. Nach der Finanzkrise lag der Schwerpunkt zu Recht auf der Regulierung, und die IT-Budgets der Banken wurden jahrelang ausschließlich für behördliche Projekte verwendet. Inzwischen verlagert sich der Fokus von Finanzinstituten jedoch zunehmend auf Investitionen in Marktlösungen. Wir sehen auch Chancen in den vielen Herausforderungen, mit denen die Bankenbranche konfrontiert ist. Zusätzlich zu den fortlaufenden regulatorischen Belastungen kommt das Problem der Zinspolitik, das heißt der Rückgang der traditionellen Margen.
Banken müssen mehr in Zukunftstechnologien investieren, um nicht von der Konkurrenz verdrängt zu werden. Und schließlich besteht die Gefahr, dass weiterhin neue Mitbewerber mit disruptiven Geschäftsmodellen in den Markt eintreten und einen Teil des Kuchens abhaben wollen. Die einzige Möglichkeit für Banken, ihren Marktanteil zu verteidigen, sind Investitionen in Technologien. Im Vermögensverwaltungsgeschäft sind rund 30 Prozent der Privatkunden bereit, die Bank zu wechseln. Sie werden voraussichtlich in den nächsten zwei bis drei Jahren ihren Vermögensverwalter wechseln.
Banken tüfteln schon seit Jahrzehnten an der Kundenerfahrung im Finanzsektor: Um die Jahrhundertwende führten sie das Customer Relationship Management (CRM) ein, vergaßen dann aber, wofür der Buchstabe »R« steht. In jüngerer Zeit wurde CX (Customer Experience) zum Mantra, aber in den letzten 10 Jahren haben wir mehr schlechte als gute Berichte von Kunden gehört. Und dann kamen die digitalen Neo-Banken und mischten die Branche auf, nicht zuletzt, weil sie ein deutlich besseres Kundenerlebnis boten. Wir glauben, dass CX für standardisierte Dienstleistungen und Finanzprodukte zum nächsten Maßstab für Wettbewerbsvorteile wird, und wir erwarten aufregende Entwicklungen in diesem Bereich.
Die rasante Entwicklung künstlicher Intelligenz ist ebenfalls ein entscheidender Einflussfaktor für die Branche. Künstliche Intelligenz (KI) ist keine aufstrebende Technologie mehr, sondern hat sich fest im Mainstream etabliert. Die Vorteile sind offensichtlich. Aber es gibt auch Risiken, zum Beispiel bei ChatGPT. Ein rechtlicher Rahmen ist erforderlich. Nichtsdestotrotz gibt es viele Anwendungsfälle bei Banken, im Kundenservice über Chatbots, oder im Risikomanagement, wo Algorithmen eingesetzt werden können, um Risiken im Banking zu minimieren oder Betrugsfälle früher zu erkennen. Die Technologie kann auch genutzt werden, um das Kundenverhalten zu analysieren und personalisierte Angebote zu erstellen.
Außerdem kann KI bei der Kreditvergabe sinnvoll eingesetzt werden, zum Beispiel um Kreditanträge zu automatisieren oder den Genehmigungsprozess zu beschleunigen. Sie kann auch Portfoliostrukturen generieren und Anlageportfolios im Wealth- oder Asset-Management optimieren. Wir glauben, dass dies etwas ist, woran alle Banken arbeiten.
Objectway bietet bereits KI-basierte Lösungen für einzelne Dienstleistungen an. Aber die Geschwindigkeit, mit der die Banken bereit sind, den technologischen Wandel zu vollziehen, ist auch eine Frage der Kapazität. Es geht um den Wettbewerb um Talente und darum, die richtigen Fähigkeiten und Mitarbeiter für die richtigen Projekte und Stellen einzusetzen. Das Verständnis und die Nutzung der neuen Technologien ist eine Herausforderung an und für sich.
**Manage it:** Welche Herausforderungen und Lösungen gibt es in Bezug auf die Sicherheit und den Schutz von Kundendaten in einer digitalen Bankenwelt? Welche Risiken sind mit der Digitalisierung des Bankwesens verbunden, insbesondere in Bezug auf Cyberangriffe und Datenschutzverletzungen?
**Karl im Brahm:** Die erste Voraussetzung für den sicheren Umgang mit Kundendaten im digitalen Zeitalter ist die Integration eines Cybersicherheitsmodells. In dieser zunehmend von Unsicherheit geprägten Landschaft unterliegen Banken stark regulierten Geschäftstätigkeiten, an die sie sich anpassen und ausrichten müssen. Dies erfordert viel Zeit, Investitionen und Mühe und ist mitunter nur schwer zu bewältigen. Daher muss ein integriertes Cybersicherheitsmodell eingeführt werden, das alle Komponenten zentralisiert und miteinander kommunizieren lässt.
Auf diese Weise kann eine ganzheitliche Perspektive auf Governance und den Schutz von Informationen gewährleistet werden. Zudem ist Datenschutz ein zentraler Aspekt der Digitalisierung der Branche. Unabhängig davon, ob eine Bank mit dem Aufbau eines Datenschutzsystems aufgrund einer Anforderung oder Vorschrift oder aus eigener Initiative begonnen hat, ist die Sicherheit von Kundendaten heute in allen Sektoren ein wichtiges Anliegen, so auch im Bankwesen.
Banken müssen eine solide Datenschutzkultur schaffen, die klare Richtlinien und die Einhaltung aller rechtlichen Anforderungen umfasst. Dabei erhöht die Integration von künstlicher Intelligenz (KI) und maschinellem Lernen (ML) die Anforderungen an diesen Schutz. Finanzinstitute sind angewiesen, sich von alten Strukturen zu verabschieden und sich an moderne Technologien anzupassen, um ihre Cyberresilienz zu erhöhen.
KI und ML können bei der proaktiven Analyse, Speicherung und Bewertung einer riesigen Menge von Sicherheitsdaten in Echtzeit helfen. Die Haltung, Sicherheit als Kostenfaktor zu betrachten, muss einer Sichtweise weichen, bei der sie als Nutzen gesehen wird, um Informationen zu schützen und mögliche negative geschäftliche Auswirkungen zu vermeiden. Das Risiko von Sicherheitsbedrohungen und ihre Folgen müssen gründlich analysiert werden, um die Bedeutung der Cybersicherheit zu verstehen.
Ein wirksames Risikomanagement hilft Banken, potenzielle Gefahren, die zu erheblichen Verlusten führen können, vorherzusehen, zu bewerten und zu bewältigen. Durch das effektive Management von Risiken können Banken unerwartete Störungen und finanzielle Verluste reduzieren und die Widerstandsfähigkeit ihres Unternehmens langfristig aufrechterhalten. Nur durch Sensibilisierung und verstärkte Kontrollen können Cyberkriminalität und Datenverluste wirksam reduziert werden. Dazu muss zudem sichergestellt werden, dass jeder Einzelne seine Rolle und Verantwortung hierfür versteht.
Es ist unerlässlich, eine robuste Cybersicherheitsstruktur aufzubauen, die die Sicherheit der Kundendaten und der kritischen Transaktionen der Finanzinstitute nicht gefährdet. Das Gleiche gilt für eine andere aus unserer Sicht wichtige Entwicklung: Open Banking, das heißt die Möglichkeit, betriebliche Ökosysteme über Schnittstellen (APIs) mit den bestehenden Kernplattformen der Banken zu verbinden. Auch hier ist die Umsetzung im Finanzwesen bereits weit fortgeschritten. Nun, da die Vorteile eines umfassenden Risikomanagements erkannt wurden, besteht die Herausforderung darin, die Effizienz und Sicherheit von Daten und Transaktionen zu verbessern und die Kosten zu senken. Die Banken sind noch zurückhaltend, aber alle unsere Kunden befassen sich mit den neuen Technologien und den Verfahren.
Es herrscht eine große Bereitschaft, sich am Wandel zu beteiligen. Viele Banken haben hierzu bereits spezielle Projekte und Abteilungen eingerichtet. Aber wir müssen noch sehen, in welchen Bereichen der Einsatz sinnvoll ist und in welchen nicht.
**Manage it:** Wie beeinflusst die Digitalisierung die regulatorischen Anforderungen im Bankenwesen, und wie können Banken sicherstellen, dass sie den Vorschriften entsprechen?
**Karl im Brahm:** Auf dem stark regulierten Finanzdienstleistungsmarkt ist die Einhaltung der sich ständig wandelnden Vorschriften unerlässlich. Insbesondere wenn es darum geht, Partnerschaften mit externen Anbietern einzugehen und IT-Prozesse, -Infrastrukturen oder -Dienstleistungen zu digitalisieren, zeigen sich die deutschen Banken in der Hinsicht noch zurückhaltend. Zum einen sind die regulatorischen Anforderungen – und damit die Kosten – hoch, zum anderen stellen die veralteten Infrastrukturen vieler Finanzinstitute eine Herausforderung dar. Nehmen wir zum Beispiel die Cloud.
Für viele Banken steht die öffentliche Cloud nicht im Vordergrund, wenn sie über ihr Kernbankensystem nachdenken. »Sind meine Daten wirklich geschützt? Sind meine Daten in Drittländern verfügbar?« Dies können Fragen sein, die im Zusammenhang mit dem Outsourcing beantwortet werden müssen. Dennoch haben wir in den letzten Jahren einen massiven Anstieg der Bereitschaft zu Wandel erlebt. Bei Cloud-Diensten geht es nicht nur um Kostenoptimierung, sondern auch darum, Software schneller und besser entwickeln und einsetzen zu können.
**Manage it:** Welche Vorteile bieten Partnerschaften zwischen etablierten Banken und Fintech-Unternehmen, und wie können sie die Innovation im Bankenwesen fördern?
**Karl im Brahm:** Fintechs können eine wichtige Rolle spielen, wenn es darum geht, den Finanzinstituten zum Erfolg zu verhelfen. Diese haben erkannt, dass sie in einem so anspruchsvollen Umfeld nicht isoliert bestehen können. Wenn es darum geht, innovative Produkte zu entwickeln oder schnell auf den Markt zu bringen, gehen viele traditionelle Banken verstärkt Partnerschaften mit Fintechs ein, anstatt selbst ein Produkt oder eine Funktion zu entwickeln.
Letztere können in der Regel dazu beitragen, die Betriebskosten der Banken zu senken und Technologien einfacher einzusetzen, indem sie Standardlösungen anbieten, die von Spezialisten entwickelt werden und oft die neueste Technologie nutzen, um eine bestimmte Herausforderung oder einen bestimmten Bedarf zu erfüllen. Der Aufbau eines umfassenden Ökosystems von Partnerschaften kann den Mitarbeitern und Kunden der Banken in einer Vielzahl von Bereichen einen Mehrwert bieten. Partnerschaften erfordern jedoch ständige Arbeit und Aufmerksamkeit. Sie werden zwar oft als technologische Herausforderung wahrgenommen, aber unsere Erfahrung zeigt, dass es dabei auch um Menschen, Denkweisen und die Abstimmung von Zielen geht. Bei erfolgreichen Partnerschaften geht es um Engagement und Verständnis für die Bedürfnisse des anderen. Zentral sind dabei Vertrauen und Transparenz, sowie die Definition eines gemeinsamen Ziels, auf das mit vereinten Kräften hingearbeitet wird.
Digitales Banking ist somit keine Frage der Zukunft mehr, sondern entwickelt sich rasant zur »one and only« Art des Bankings, bei der Technologie für intelligente Abläufe und ein hervorragendes Erlebnis für alle Beteiligten eingesetzt wird: Kunden, Mitarbeiter, Anleger und Partner im Ökosystem.
[](https://www.linkedin.com/in/karl-im-brahm/)### Karl im Brahm
Objectway CEO DACH Region
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
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### [Tecnologia, il migliore alleato per la crescita dei FIA](https://objectway.com/tecnologia-il-migliore-alleato-per-la-crescita-dei-fia/)
**Published:** June 13, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Gli esperti Objectway individuano i 4 trend che stanno cambiando il mondo dei FIA, evidenziando il ruolo cruciale del support tecnologico per le Sgr.
**Content:**
[](/news/)
View all News
# Tecnologia, il migliore alleato per la crescita dei FIA
13 Giugno 2024 – Sono diversi i fattori che stanno influenzando la domanda di supporto tecnologico nel segmento dei fondi di investimento alternativi. Gli esperti Objectway ci aiutano ad individuarli e a comprenderne sfide e le potenzialità per rispondere alle esigenze degli operatori.
La domanda di supporto tecnologico da parte di asset manager e intermediari finanziari che operano nel segmento dei fondi di investimento alternativi (fia) sta venendo ridisegnata da alcuni importanti fattori che vedono proprio nella tecnologia il loro fil rouge.
Sono quattro quelli che influiscono maggiormente: **diversificazione del business, apertura degli investimenti alla clientela individuale, aumento del peso della normativa e potenziamento dell’operatività**. Ne parlano ai lettori di We Wealth **Gianbattista Geroldi** e **Paolo Bonacina**, rispettivamente CEO Italia e BPO Service Operation Director di Objectway, azienda che fornisce servizi per wealth, banking e asset management a livello globale.
I 4 trend che stanno cambiando il mercato dei FIA
Il primo trend che sta giocando un ruolo cruciale nello sviluppo dei fondi di investimento alternativi è quello della **diversificazione del business**. “Sempre più operatori – spiega Geroldi – stanno abbracciando una **logica multiasset**, integrando nelle proprie strategie differenti classi di attivi, ciascuno dei quali con peculiari caratteristiche operative. **I provider di soluzioni tecnologiche devono supportare tale cambiamento sia a livello di piattaforme e strumenti che di competenze specifiche”**.
Il secondo è quello **dell’ampliamento delle fasce di clientela** che accedono agli investimenti in alternative asset. **“I fia si sono sempre di più aperti alla clientela individuale e i gestori si dovranno progressivamente interfacciare non più con poche decine di investitori istituzionali ma con migliaia di singoli investitori.** I fornitori di soluzioni tecnologiche possono supportare questa apertura del mercato attraverso soluzioni in grado di **scalare l’attività dei gestori per rispondere alla crescente domanda di questo nuovo segmento”**, prosegue l’esperto.
Il **terzo trend** è individuato nel **peso sempre più rilevante ricoperto dalla compliance normativa, sia a livello nazionale che europeo**. “Non è errato dire che è stata anche la forza degli obblighi normativi a portare ad un’evoluzione importante del ruolo della tecnologia e della percezione che gli operatori finanziari hanno dei provider di soluzioni tecnologiche come Objectway.” **Il legislatore e gli organi di vigilanza, infatti, richiedono un volume sempre maggiore e dettagliato di informazioni**: dall’adeguata verifica della clientela alle procedure per il controllo antiriciclaggio, **la tecnologia rappresenta non solo un valido alleato, ma un vero e proprio enabler che può trasformare un onere in un’opportunità**. “Maggiori informazioni da raccogliere significa anche maggiori informazioni da mettere al servizio del business: **rispetto a tale aspetto, la tecnologia gioca un ruolo cruciale nella raccolta, utilizzo e trasmissione dei dati**”, aggiunge Geroldi.
**L’ultimo trend**, che è sia conseguenza che complemento degli altri tre, è quello del **potenziamento dell’operatività nella gestione del business**.
Integrazione e innovazione per servire il cambiamento
Quando si parla di fia, occorre ricordare che **all’elevata diversificazione offerta dagli strumenti alternativi corrisponde un altrettanto elevato grado di complessità della loro gestione**. “Le Sgr – spiega Bonacina, si trovano spesso a dover amministrare contemporaneamente asset tra loro molto differenti (basti pensare alla differenza che intercorre tra un credito commerciale e un immobile), ciascuno sottostante a precisi obblighi normativi di natura informativa, regolamentare, fiscale e contabile. Tutto ciò causa un considerevole dispendio di tempo, denaro e capitale umano. In questo senso, **il supporto tecnologico** è fondamentale, perché può **automatizzare tutte quelle mansioni a basso valore aggiunto che sottraggono tempo e risorse ai professionisti**. Viene così data a questi ultimi la possibilità di concentrarsi maggiormente sulle operatività più strategiche, favorendo una **gestione più agile e dinamica, che rende più efficienti e veloci le procedure che intercorrono tra Sgr, authorities e investitori**”.
**“Siamo convinti che la tecnologia funzioni bene quando non si vede**. Per questo la user experience deve essere quanto più intuitiva possibile tanto per gli operatori quanto per gli investitori, a maggior ragione quando si parla di asset complessi come nel caso dei fia. Tutto questo non è possibile senza una vasta esperienza nella gestione di tutti gli aspetti della digitalizzazione, e senza la capacità di assistere l’asset manager con organizzazione, struttura, flessibilità e competenze tecnologiche” aggiunge Bonacina.
Il supporto di Objectway per gestori e intermediari di FIA
**Objectway offre le proprie soluzioni sia in modalità Software as a Service (SaaS) che in modalità Business Process as a Service (BPaaS)**, coprendo e supportando tutta la catena del valore dei mercati privati. Per far ciò la società investe costantemente in innovazione, potenziamento tecnologico, digitalizzazione, automazione dei processi, così da rispondere a tutte le esigenze dei clienti.
**“Crediamo che la tecnologia possa contribuire ad avvicinare l’investitore all’investimento e questo è ancora più vero nel caso dei fia”** spiega Geroldi. Il trend positivo per i fondi di investimento alternativi, infatti, dipende in larga parte dalla necessità del mercato di coprire il gap tra gli investimenti tradizionali e quelli alternativi. **Ai partner strategici come Objectway spetta il compito di fornire strumenti utili a fornire ai gestori soluzioni e piattaforme digitali necessarie a favorire una comunicazione bidirezionale con le società partner e con i clienti**. Soprattutto per questi ultimi, infatti, maggiore comunicazione significa maggiore chiarezza e dunque maggiore fiducia”.
La digitalizzazione e la progressiva adozione di componenti di intelligenza artificiale rappresentano un potente strumento al servizio dei FIA, che grazie all’evoluzione tecnologica possono espandere le proprie attività in termini di gestione simultanea di differenti asset class, tipologie di clienti e adempimenti normativi, riducendo al contempo le attività manuali e focalizzandosi sul core business e sulle competenze chiave.
[](https://www.linkedin.com/in/gianbattista-geroldi-070a322a/)### Gianbattista Geroldi
CEO Italia Objectway
Ciò che gli operatori come Objectway possono offrire ai player è proprio un supporto tecnologico facile da utilizzare e integrato tra le diverse funzioni e la nostra mission è proprio quella di offrire una piattaforma unica con cui sia possibile gestire in maniera efficiente ed integrata tutti i processi operativi.
[](https://www.linkedin.com/in/paolo-bonacina-b7940541/)### Paolo Bonacina
BPO Service Operation Director Objectway
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
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[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
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[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
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**Categories:** Article
**Tags:** #automation, #customerexperience, #digitalizzazione, #fintech, #sgr, #technology, #wealth-management-trends
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### [Hyper-automation, hyper-personalisation in Wealth Management. What’s all the hype? Why, how, and with what business impact…](https://objectway.com/hyper-automation-hyper-personalisation-in-wealth-management-whats-all-the-hype-why-how-and-with-what-business-impact/)
**Published:** June 20, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** TWM talks to Roger Portnoy, Objectway Chief Strategy Officer about the market relevance and benefits of hyper-automation and hyper-personalisation in wealth management.
**Content:**
[](/news/)
View all News
# Hyper-automation, hyper-personalisation in Wealth Management. What’s all the hype? Why, how, and with what business impact…
20th June 2024 – The Wealth Mosaic Talks To (TWMTT) Roger Portnoy, Chief Strategy Officer from Objectway, about the market relevance and benefits of hyper-automation and hyper-personalisation in wealth management – and also outlines some of the tips to implement and the traps to avoid when looking at achieving improvements by applying these AI-driven approaches.
In today’s competitive landscape, hyper-personalisation differentiates wealth managers, attracting and retaining customers while driving growth… Ultimately, hyper-personalisation improves customer experience, loyalty, competitive advantage, and profitability, ensuring long-term success.
**TWM:** Please tell us a bit more about yourself?
**Roger Portnoy:** I am the Chief Strategy Officer for Objectway, leading corporate development, mergers and acquisitions and new strategic projects in wealth, asset management and core banking. I am a board member of a number of WealthTech and FinTech companies headquartered in the US and UK, and from time to time provide strategic advice to private equity and sovereign wealth investors looking to acquire and invest in wealth management, asset management and digital banking. In my career, I have been a CEO on a number of occasions, including building, scaling and selling businesses in the capital markets and financial information sectors, and have been a board member and advisor in more than a dozen successful scaling and exit scenarios over the past 25 years across a range of financial technology businesses. I am most often based in the UK, but my career has taken me to Australia, Singapore, Japan, Thailand, South Africa, the USA and Switzerland.
**TWM:** Tell us in the first instance – what is hyper-personalisation in wealth management?
**Roger Portnoy:** Hyper-personalisation has emerged as a transformative force impacting numerous facets of the customer journey in wealth management today, especially through AI and GenAI. It entails tailoring product recommendations and content and aligning these with individual customer preferences and behaviours. This ensures that customers are presented with offerings that are relevant to them, and that these resonate with their unique needs and goals, thereby increasing the likelihood of ongoing engagement.
**TWM:** Which parts of today’s customer journey can be hyper-personalised through technology such as AI and GenAI?
**Roger Portnoy:** As mentioned previously, the power of AI allows for the delivery of personalised messages, offers, and experiences through targeted communication channels. Whether through e-mail, mobile apps, or social media platforms, financial service providers can leverage AI to craft tailored communications that resonate with each customer, thereby increasing engagement and brand affinity.
When it comes to the purchase stage, AI offers financial institutions the possibility to leverage past interactions and predictive analytics, to in turn offer customised proposals tailored to individual customer profiles.
AI can also be used effectively further down the line in customer support, where it can play a crucial role in offering personalised assistance and recommendations to address specific inquiries or issue routing or management through chatbots, virtual assistants, and automated response systems, with the goal again of improving customer satisfaction and reducing resolution times.
Finally, in the retention phase, AI can enable the implementation of personalised reporting and proactive outreach strategies by anticipating then quickly and effectively addressing customer needs.
**TWM:** Why is hyper-personalisation essential for a firm’s growth strategy?
**Roger Portnoy:** This year, the financial services industry has been put under pressure due to a slowing global economy and a divergent economic landscape. Simultaneously, disruptive forces are reshaping the industry, driven by factors such as higher interest rates, reduced money supply, regulation, climate change, and geopolitical tensions. Amidst this transformation, organic growth will be modest, compelling institutions to seek new sources of value. Hyper-personalisation is, therefore, vital for firms’ growth strategies, as it focuses on enhancing customer loyalty and retention.
**TWM:** What are the benefits firms can expect by making the move to hyper-personalisation? Is there a need to lay the foundations with hyper-automation first?
**Roger Portnoy:** First, let me frame what hyper-automation is: within a financial institution’s value chain, it refers to the comprehensive use of advanced technologies such as robotic process automation (RPA), Artificial Intelligence (AI), Machine Learning (ML), natural language processing (NLP), and others to automate and streamline various processes. Since hyper-personalisation in financial services relies heavily on data-driven insights and the ability to efficiently process and analyse vast amounts of customer data, hyper-automation – which involves the use of these technologies – plays a crucial role in laying the foundations for hyper-personalisation.
From customer onboarding to risk management, hyper-automation is revolutionising diverse aspects of business functions.
Below, we list out some examples of key areas where hyper-automation is reshaping business processes and the metrics used to gauge its effectiveness:
- **Customer Onboarding**: One pivotal aspect of any business is the seamless onboarding of customers. By automating this process, companies can significantly reduce the time it takes to get new clients up and running. Through sophisticated systems that handle document verification, Know Your Customer (KYC) checks, and account setup, businesses aim to not only expedite onboarding but also ensure compliance and accuracy. Metrics such as the reduction in onboarding time per customer, the increase in the number of customers onboarded per unit of time, and the decrease in error rates in document verification and KYC compliance serve as tangible indicators of success in this area.
- **Customer Support and Queries**: The advent of chatbots and AI-powered systems has revolutionised customer support and query resolution processes. By leveraging these technologies, businesses can provide round-the-clock assistance, swiftly addressing customer inquiries, complaints, and support tickets. Metrics such as a reduction in average response time to customer queries, an increase in customer satisfaction scores, and a decrease in the workload of human customer support agents are indicative of the impact of automated customer support systems.
- **Regulatory Compliance**: Ensuring compliance with regulatory requirements is paramount for businesses operating in highly regulated industries. Automation streamlines compliance processes, facilitating timely reporting, audits, and adherence to data privacy regulations. Metrics such as a reduction in the time taken to generate compliance reports, a decrease in compliance-related errors, and an increase in compliance audit pass rates underscore the efficiency and effectiveness of automated regulatory compliance measures.
- **Risk Management**: In the realm of investment portfolio management within financial services, automated risk assessment models empower businesses to proactively identify and address risks. Through the analysis of extensive datasets and the utilisation of predictive analytics, companies can effectively evaluate different types of risk. Key metrics such as enhanced accuracy in risk assessment, decreased probability of financial losses stemming from risk events, and improved efficiency in implementing risk mitigation strategies serve as pivotal indicators of the efficacy of automated risk management systems in this context.
- **Back-Office Operations**: Routine back office tasks such as data entry, reconciliation, and report generation are ripe for automation. By automating these processes, businesses can minimise manual errors, expedite report generation, and optimise resource allocation to more value-added tasks. Metrics such as a reduction in manual data entry errors, an increase in the speed and personalisation of report generation, and a decrease in the time and resources required for reconciliation processes highlight the tangible benefits of automating back-office operations.
- **Cross-Selling and Upselling**: AI algorithms are increasingly being deployed to analyse customer data and behaviour, identifying opportunities for cross-selling and upselling products and services. By personalising recommendations and marketing efforts, businesses can drive additional revenue streams and enhance customer satisfaction and loyalty. Metrics such as an increase in the conversion rate of cross-selling and upselling efforts, growth in revenue from additional product/service sales per customer, and improvement in customer retention or NPS (Net Promoter Score) rates are key measures of success in automated cross-selling and upselling initiatives.
**TWM:** How would you recommend wealth management firms get started on the ‘hyper’ journey?
**Roger Portnoy:** Mastering hyper-automation requires, as a first step, the establishment of a cross-functional unit with a portfolio of complementary skills and knowledge.
Embarking on this journey necessitates the establishment of a leadership framework within the organisation. This unified team, drawing from various disciplines, must be empowered to identify key stakeholders across the value chain, thereby uncovering use cases with tangible returns on investment. Central to this endeavour is the recognition of business processes that have undergone automation, particularly within expansive value chains, serving as fertile ground for pinpointing metrics that quantify the advantages of transitioning from manual to automated methodologies.
Crucially, the unit’s members should possess a blend of technical, business, and analytical proficiencies, encompassing a deep comprehension of automation technologies, adept process optimisation skills, and robust data analytics capabilities. Given the transformative nature of hyper-automation, team members should also be guided to drive change management, continuous learning and adaptability to facilitate the adoption of automation technologies across the organisation. A reliable partner could help gaining innovation through the most appropriate technologies, enabling wealth firms to seamlessly embark on their digital transformation journey to drive automation and hyper-personalisation initiatives forward.
Financial institutions that embrace a steadfast digitalisation strategy from inception stand poised to distinguish themselves in the market. Those that infuse scalable technologies throughout their entire value chain will exhibit the agility necessary to adapt to evolving customer demands.
By relying on data-driven insights to better understand customer behaviour, informing strategic decisions and optimising products that are shared with the client, hyper-personalisation improves customer experience, loyalty, competitive advantage, and profitability, ensuring long-term success.
[](https://www.linkedin.com/in/roger-portnoy-a16b67/)### Roger Portnoy
Chief Strategy Officer at Objectway
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
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---
### [Asset Alternativi: il Client Portal di Objectway debutta con Sagitta Sgr](https://objectway.com/asset-alternativi-il-client-portal-di-objectway-debutta-con-sagitta-sgr/)
**Published:** July 24, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Sagitta Sgr, è tra gli operatori che hanno deciso di sfruttare le nuove potenzialità del fintech, scegliendo di dotarsi del nuovo Client Portal di Objectway.
**Content:**
[](/news/)
View all News
# Asset Alternativi: il Client Portal di Objectway debutta con Sagitta Sgr
24 Luglio 2024 – Negli ultimi anni, il settore del wealth e asset management sta vivendo un continuo processo di evoluzione alimentato dall’avvento del fintech. Nell’ambito dei fondi di investimento alternativi, in particolare, la necessità di gestire asset complessi, oltre che una progressiva apertura alla clientela diversificata, guidano la crescita del settore. La tecnologia può facilitare questa crescita scalando le attività dei gestori per soddisfare la crescente domanda e avvicinando gli investitori a questo tipo di investimenti.
Sagitta Sgr, asset management firm italiana del Gruppo Arrow Global dedicata alle attività di gestione di fondi nel mercato italiano, specializzata nella realizzazione di investimenti in diverse asset class, è tra gli operatori che hanno deciso di sfruttare le nuove potenzialità del fintech, scegliendo di dotarsi del nuovo Client Portal di Objectway.
Il nuovo strumento sviluppato da Objectway, leader riconosciuto a livello globale nel settore delle soluzioni tecnologiche per la finanza rappresenta un salto qualitativo significativo nell’ottimizzazione delle operazioni e nella gestione delle relazioni con la clientela. Si tratta di uno strumento innovativo nel panorama dell’asset management, che mette a disposizione dei gestori un tool digitale, dinamico e sicuro di comunicazione e interazione con la clientela per la collaborazione digitale e la condivisione delle informazioni. Vediamone insieme i dettagli.
Client Portal: il nuovo tool per i gestori di alternative asset
Il Client Portal di Objectway è un tool digitale avanzato progettato per i gestori di fondi di investimento alternativi (FIA), che offre loro una piattaforma sicura e intuitiva per comunicare e interagire con gli investitori, migliorando la produttività, riducendo le attività manuali e i tempi di attesa e facilitando l’accesso e la condivisione delle informazioni.
Sagitta Sgr è stata la prima a implementare questo innovativo portale. Grazie alla disponibilità su più dispositivi e alla condivisione automatica e sicura delle informazioni, gli investitori possono godere di un’esperienza di investimento migliorata. A regime, il portale ospiterà 15 dei 16 fondi gestiti da Sagitta Sgr, offrendo una panoramica completa e dettagliata degli investimenti.
Le funzionalità del portale
Il portale offre agli investitori una visione chiara e completa dei loro investimenti nei prodotti della Sgr: gli utenti, infatti, possono tracciare tutte le transazioni, aggiornare le informazioni personali e scaricare la documentazione fornita dalla Sgr. Tale livello di trasparenza e controllo è fondamentale per mantenere gli investitori informati e coinvolti. Claudio Nardone, CEO di Sagitta Sgr, ha evidenziato i vantaggi significativi offerti da questa soluzione, sottolineando come il portale renda la comunicazione con gli investitori più trasparente e veloce. “La Sgr può pubblicare e condividere direttamente con i partecipanti ai fondi tutti i documenti necessari, come rendiconti, richiami, rimborsi e altre informazioni importanti,” ha dichiarato Nardone.
Attenzione all’innovazione e alla customer experience
Gianbattista Geroldi, CEO Italia di Objectway, ha sottolineato l’importanza di soluzioni digitali efficaci, immediate e intuitive per supportare la crescita del settore dei gestori di alternative asset, che oggi si relazionano non più con poche decine di investitori istituzionali, ma con centinaia o migliaia di investitori “Maggiore comunicazione significa maggiore chiarezza, trasparenza e dunque più fiducia” ha commentato Geroldi.
“E questo richiede una customer experience ottimale sia per gli operatori che per gli investitori – osserva Paolo Bonacina, BPO Service Operation Director di Objectway – a maggior ragione quando si parla di asset complessi come i FIA. La nostra soluzione non solo risponde alle esigenze specifiche di questo settore, ma deriva dal nostro impegno costante nell’ascoltare e rispondere ai feedback dei nostri clienti. Siamo orgogliosi di poter supportare Sagitta SGR nel suo approccio innovativo alla gestione della relazione con la clientela con un tool che migliora la produttività, riducendo le attività manuali e i tempi di attesa e facilita l’accesso e la condivisione delle informazioni”.
Il nuovo Client Portal aggiunge nuove funzionalità al nostro portale per gli investitori, supportando il business dell’asset management in aggiunta al segmento del wealth management che abbiamo già consolidato sul mercato, e offre benefici tangibili sia per gli operatori che per gli investitori nel contesto dei fondi alternativi. Crediamo fermamente che la tecnologia possa trasformare e migliorare le pratiche di gestione degli investimenti, e questo nuovo portale è un esempio concreto del nostro approccio innovativo e orientato al cliente.
[](https://www.linkedin.com/in/davideingoglia/)### Davide Ingoglia
Senior Product Manager, Objectway
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### [AI Insights: Investments, Innovation, and Industry Transformation](https://objectway.com/ai-insights-investments-innovation-and-industry-transformation/)
**Published:** July 30, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** TWM talks to Dr. Alexander Cassar, Objectway's CEO UK to get his perspective on how AI is impacting the financial services industry today.
**Content:**
[](/news/)
View all News
# AI Insights: Investments, Innovation, and Industry Transformation
30th July 2024 – The Wealth Mosaic Talks To (TWMTT) Sandro (Dr. Alexander Cassar), CEO of Objectway UK, to get his perspective on how AI is impacting the financial services industry today, and the potential impact it can have on the industry tomorrow. He outlines how Objectway’s experience, investments and innovation in AI are benefitting clients.
In this series, The Wealth Mosaic interviews senior executives from leading wealth management firms, solution providers, and WealthTech influencers to learn more about them, their journey, their perspectives on the market, and how they see the future of wealth management.
**TWM:** There is a lot of talk about Artificial Intelligence (AI) today – not just in financial services, but more broadly. What do you think the potential for application of AI is in this sector today, at a high level?
**Dr. Alexander Cassar:** The days when financial service providers hesitated to embrace artificial intelligence are long gone! Banks, wealth and asset managers have recognised AI as one of the most strategically essential technologies for the industry. However, it still seems to be a challenge for many players to operationalise AI effectively in their business.
The general willingness to invest is high: according to market data and researches available to Objectway, 83% of banks have already invested in AI and plan to increase their spending over the next two years. But the questions firms need to be (and are) asking themselves are, how they can monetise investments in AI to deliver not only a financial return, but also, how these investments can deliver an improvement in service, in client experience, among other areas?
And when it comes to investment in AI, the industry is betting the farm! The retail banking industry is expected to spend an estimated $4.9 billion on Artificial Intelligence (AI) by the end of this year, which is a growth rate of 21.8% from 2019, according to a study by GlobalData. The big question is not so much how much will be invested, rather, where – and with what impact?
Financial institutions today are using AI mainly to increase operational efficiency, and not necessarily to generate revenue. A survey of decision-makers for data and analytics technology in banking found that 68% of respondents used AI to improve the efficiency of IT and business operations. In addition to this, however, there is another significant investment target: the personnel expenditure tied to AI. In contrast to the likely risk of downsizing, companies are more concerned about their staffing efforts related to AI and machine learning, according to Objectway. A lack of specialist knowledge is at the top of the list of challenges for firms using AI. The war for AI talent is raging! Market surveys found that 31% of respondents believe it is necessary to retrain existing employees, while 27% think that they need to hire new employees to handle the new technologies properly. Investing correctly now could prove beneficial in the longer-term: in the financial services sector, generative AI has the potential to generate a value of 200 to 340 billion US dollars. This represents a share of 2.8 to 4.7 percent of total industry turnover. An enormous gain.
**TWM:** Can you give some concrete examples of how AI can / is being used, and with what impact?
**Dr. Alexander Cassar:** To target client segments that are not yet fully covered, such as the affluent and the younger generations, technology is crucial. By harnessing artificial intelligence and machine learning algorithms, financial institutions can analyse large amounts of data to understand individual preferences, risk tolerance and financial goals, thus tailoring offers to specific needs. In addition, user-friendly interfaces and mobile apps are essential to engage younger demographics accustomed to seamless digital interactions.
Education and accessibility also play a crucial role. Using technology to provide reliable and understandable financial education resources enables customers to make informed decisions about their investments. This includes the use of interactive tools, tutorials and accessible investment platforms that demystify complex financial concepts.
Furthermore, the incorporation of ESG elements into investment strategies resonates with new generations that prioritise sustainability and ethical investments. Financial institutions can use technology to offer a wide range of socially responsible investment options and transparent reporting on environmental impact.
Turning our attention to the younger high net worth (HNW) individuals, this segment has grown up or has always lived in the internet age and is used to an immediate, simple and interconnected user experience even when it comes to managing their investments and savings. Moreover, the new generations are more autonomous than their parents and grandparents when it comes to selecting, monitoring and generally managing their investments and rely heavily on digital tools and platforms to do so. For these reasons, it is crucial that for this specific demographic, firms implement systems that guarantee an efficient and effective customer experience, with user-friendly and easy-to-understand interfaces, rich in functionalities that allow for the most detailed customisation possible. Of course, it is essential not to forget the issue of data security and reliability, an aspect to which the new generations are particularly sensitive.
**TWM:** If we look more specifically at how AI can benefit advisers, and how advisers are actually leveraging AI based technology, can you share some examples of where AI is being used, and what impact this is having?
**Dr. Alexander Cassar:** AI and process automation simplify the work of the adviser, but it also impacts the relationship between firm and adviser.
The integration of artificial intelligence and process automation in wealth management undoubtedly simplifies advisers’ workflow, allowing them to focus more on strategic interactions with clients rather than on administrative tasks. This transformation changes as well the dynamics of the relationship between banks and advisers in several ways.
By automating routine processes, advisers have more time to interact with clients, fostering stronger, more personalised and meaningful relationships. This shift helps to increase customer satisfaction and loyalty, benefiting both the institution and the adviser.
Analyses based on artificial intelligence components can provide advisers with a deeper understanding of customers’ needs and preferences, enabling them to offer tailored solutions and proactive advice. This not only improves the adviser’s value proposition, but also strengthens the bank’s position as a trusted financial partner offering superior financial services.
Finally, the integration of AI components into the technological tools available to advisers increases the efficiency and accuracy of decision-making, leading to better investment and risk management results.
**TWM:** At an overall level, how does / can AI positively impact the Client Experience (CX)?
**Dr. Alexander Cassar:** An initial and important indication of what technology can offer when it comes to CX is in the personalisation of services. Artificial intelligence (AI) and data analysis allow financial institutions to acquire and analyse a large volume of data on their clients, such as those relating to financial transactions, investment and savings objectives and risk appetite, by processing client clusters based on models and associating each client with its respective segment. Thanks to this, banks and advisers will be able to develop and propose ad hoc solutions designed for the specific customer or cluster, usable through a user experience built with the same degree of customisation. That’s not all: the use of AI-based virtual assistants and chatbots could make it possible to assist customers and answer their questions at any time and in real time, ensuring fluid, dynamic and personalised communication between institution and customer, which strengthens the relationship over time. It is also important to stress that the digitisation of wealth management does not only affect the user experience. Indeed, technologies such as AI make it possible to automate many of the operational processes of banks and other institutions: this, in turn, reduces the time required to perform tasks such as data acquisition and analysis and their reporting, as well as those related to compliance obligations. In other words, more time and resources that wealth managers can devote to their clients.
**TWM:** How do you see the evolution of technology in Wealth Management? What does the future look like, beyond just AI?
**Dr. Alexander Cassar:** As outlined above, technology can never replace the human relationship between adviser and client. However, while it is true that the new generations of HNW tend to deal more frequently with their advisers than their predecessors, it is also true that they are much more demanding with respect to service quality. And since technology is now a fundamental component of our lives, both advisers and financial institutions will have to invest in ensuring that their skills and services are fully complementary and in sync with the technological tools used by their clients.
In our innovation projects, we apply a combination of technologies that include artificial intelligence components. To give a few examples, we use machine learning solutions for portfolio and risk optimisation in various portfolio management processes.
Using deep learning technologies, we can manage unstructured data in various types of documents and communications, classifying them in an automated way and using hyper-automation solutions to ensure investment compliance. These solutions accelerate the correct application of investment rules to client orders and create the correct pre- and post-trade instructions for straight-through processing.
Through the specific training of LLM (Large Language Models), we are working on solutions that can solve problems that occur during client onboarding, facilitating client acquisition and conversion, fact-finding, financial planning and suitability, and on the introduction of virtual assistance solutions to provide guidance and information resources to determine the next best action for advisers conducting reviews of their clients’ situations. We also seek to integrate artificial intelligence into different types of activities, both internal and for end-clients, in order to improve the quality and timing of service delivery.
**TWM:** In summary – do you see AI as an opportunity, or as more of a risk to the industry?
**Dr. Alexander Cassar:** We believe that the industry is well prepared to integrate AI applications due to various factors – in particular from the industry’s characteristics, such as ongoing digitalisation initiatives, their complex and siloed existing IT systems, a large customer service workforce and a strict regulatory environment. Thus, the use of AI tools has the potential to increase customer satisfaction, improve decision-making and employee experience, and minimise the risk of fraud and compliance infringement through better monitoring.
In the coming months and years, proactive adoption and strategic management can position organisations to leverage generative (and other forms of) AI as a catalyst for sustainable growth and competitive advantage.
Looking ahead, the evolving role of AI in organisations will increasingly see AI Copilots that work side-by-side with employees and AI Agents being assigned specific instructions to execute tasks and perform controls. Embracing AI promises to redefine the boundaries of innovation and efficiency in the financial services sector by transforming the organisation’s knowledge into an abundance of intelligence and announces a new era of human-machine collaboration that will shape the future of work.
Embracing AI promises to redefine the boundaries of innovation and efficiency in the financial services sector by transforming the organisation’s knowledge into an abundance of intelligence and announces a new era of human-machine collaboration that will shape the future of work.
[](https://www.linkedin.com/in/sandrocassar/)### Dr. Alexander Cassar
CEO UK at Objectway
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### [Objectway partners with CeTIF for the 3rd Digital Wealth Community Hub – ESG Wealth Management18th September 2024](https://objectway.com/objectway-partners-with-cetif-for-the-3rd-digital-wealth-community-hub-esg-wealth-management/)
**Published:** September 17, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway partners with CeTIF for the 3rd Digital Wealth Management Hub dedicated to the impact of ESG on suitability, model portfolios, and wealth clients.
**Content:**
[](/webinars-and-events/)
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# Objectway partners with CeTIF for the 3rd Digital Wealth Community Hub – ESG Wealth Management
18th September 2024 – Objectway renews its partnership with CeTIF for the upcoming Community Event dedicated to the role of ESG criteria in Wealth Management.
## Agenda
18th September 2024
10:00 – 13:00
Community event: 3rd Digital Wealth Management HUB – ESG Wealth Management
The mission of CeTIF is to drive and support the evolution of the financial sector and enhance its international competitive capability through innovation, digitization, and business sustainability.
As a Main Partner of this event, Objectway fully embraces the values of the CeTIF Community, focusing on fostering business and governance evolution through technology, regulation, and innovation capacity. Objectway is dedicated to delivering outstanding performance, offering a comprehensive, modular solution that encompasses algorithm-based investing strategies, automation of back-office operations, and the enhancement of client experience.
The Community Events organized by CeTIF are more than just meetings; they provide valuable opportunities for keynote speakers and industry experts to stay updated and cultivate relationships that allow them to capitalize on the constantly evolving developments shaping financial, banking, and insurance ecosystems.
This upcoming appointment will cover the following topics:
- ESG data & profile for the client Wealth
- ESG: impacts on suitability and model portfolios
- Communication of ESG impact to the client
## Event Information
18th September 2024
To find out more, **[click here!](https://eng.cetif.it/research/digital-wealth-managment-hub-2024/esg-wealth-management?event=community_event)**
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**Categories:** Event
**Tags:** #investmentmanagers, #sustainability, #sustainableinnovation, #wealth-management, ESG
---
### [Warum britische Vermögensverwalter doppelt so profitabel sind wie deutsche](https://objectway.com/warum-britische-vermogensverwalter-doppelt-so-profitabel-sind-wie-deutsche/)
**Published:** August 2, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Der britische Markt für Vermögensverwaltung wächst stetig, während deutsche Finanzinstitute beim Wachstum stagnieren. Alberto Cuccu, COO von Objectway, analysiert die Herausforderungen für deutsche Banken.
**Content:**
[](/news/)
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# Warum britische Vermögensverwalter doppelt so profitabel sind wie deutsche
2\. August 2024 – Der britische Markt für Vermögensverwaltung wächst stetig, während deutsche Finanzinstitute beim Wachstum stagnieren. Banken in der UK investieren mehr in Digitalisierung und erzielen dadurch etwa doppelt so hohe Renditen wie in Deutschland. Zudem nutzen sie das Potential der Zusammenarbeit mit Fintechs, um Kosten zu senken und die Effizienz zu steigern. Um wettbewerbsfähig zu bleiben, müssen deutsche Banken sich an ihren britischen Konkurrenten orientieren, die Digitalisierung sowie Partnerschaften mit Fintechs vorantreiben, und vor allem eine Innovationskultur fördern.
Finanzinstitute in Großbritannien erzielen europaweit die höchsten Umsätze – Tendenz steigend. Bis 2029 wird eine jährliche Wachstumsrate von 9,69 Prozent prognostiziert, im Vergleich zu nur einem Prozent in Deutschland. Der britische Markt ist dabei Vorreiter in der digitalen Transformation: Technologien wie KI, Robotic Process Automation und Cloud-Plattformen haben sich längst etabliert. So nutzt bereits die Hälfte aller britischen Banken künstliche Intelligenz, gegenüber nur 25 Prozent der deutschen Vermögensverwalter.
Die Folge: Finanzdienstleister in Großbritannien verzeichnen mit etwa elf Prozent deutlich höhere Kapitalrenditen als deutsche Banken mit etwa sechs Prozent. Britische Banken haben schon früh das Potential erkannt, das in der Zusammenarbeit mit Fintechs und spezialisierten Finanzdienstleistern liegt. Der globale FinTech-Anbieter für Banken, Vermögensverwalter und Asset Manager ist mit über 20 Kunden und einem verwalteten Volumen von mehr als 200 Milliarden Pfund ein Marktführer im britischen Wealth Management Sektor. Seit über 30 Jahren entwickelt das Unternehmen ganzheitliche Finanzlösungen und ermöglicht Vermögensverwaltern auf diese Weise, Effizienz und Kundenzufriedenheit zu optimieren und junge Anlegergruppen anzusprechen.Viele Finanzinstitute in Deutschland hingegen haben den digitalen Aufschwung verpasst und stehen nun vor der Herausforderung, mit den wachsenden Erwartungen technik-affiner Verbraucher und dem Wettbewerbsdruck von agileren Fintechs Schritt zu halten. Um den Anschluss nicht gänzlich zu verlieren, müssen sie schleunigst mehr in Digitalisierung investieren, agiler werden und vor allem eine Innovationskultur fördern, bei der Wachstum im Fokus steht.
Während britische Banken auslagern, bleiben deutsche Finanzinstitute konservativ
Eine Ursache für die Andersartigkeit des deutschen und britischen Finanzmarktes ist der unterschiedliche Regulierungsrahmen der jeweiligen Finanzmärkte. Deutsche Institute unterliegen einem hohen Maß an Zentralisierung mit Fokus auf langfristiger Finanzstabilität und Anlegerschutz. Britische Behörden hingegen verfolgen einen prinzipienbasierten Ansatz, der vielmehr Marktintegrität und Wettbewerb fördert. Dadurch hat sich eine vielfältige Vermögensverwaltungslandschaft in Großbritannien etabliert: Es gibt mehr unabhängige Bankinstitute mit maßgeschneiderten Finanzlösungen, die einen aggressiveren Anlageansatz verfolgen. Folglich sind auch die Anleger offen für neue Finanzprodukte. So wird die Altersvorsorge zum Beispiel überwiegend privat geregelt, während in Deutschland noch das öffentliche Rentensystem dominiert. Viele deutsche Banken verfolgen einen konservativen Ansatz und bevorzugen Stabilität gegenüber Disruption und Expansion. Das beeinträchtigt jedoch ihr Wachstum und schafft Platz für neue Konkurrenten auf dem Markt. Auf diese Weise haben sich in Deutschland Neobroker- und Banken wie N26 und Trade Republic etablieren können, die Millionen neuer Kunden der Generation Y und Z angezogen haben. Britische Banken haben hingegen früh das Potential erkannt, das in der Zusammenarbeit mit Fintechs steckt. So lagern sie immer mehr einzelne Geschäftsbereiche oder Prozesse an spezialisierte Partner aus. Wir arbeiten seit über 30 Jahren mit markführenden Finanzinstituten aus der UK zusammen und unterstützen sie bei der digitalen Transformation. Diese internationale Expertise ist auch für unsere deutschen Kunden von Vorteil, die wir auf ihrem Weg zur Innovation unterstützen.
Briten investieren doppelt so viel in Digitalisierung wie Deutsche – und haben einen größeren ROI
Mit einem Gesamtvolumen von 8,47 Billionen US Dollar ist Großbritannien der umsatzstärkste Vermögensverwaltungsraum in Europa. Ein wesentlicher Treiber hierzu ist die Bereitschaft der Briten zu digitalen Innovationen. Britische Banken haben früh Technologien wie Hyperautomatisierung, Personalisierung und KI integriert, um Abläufe zu rationalisieren und manuelle Arbeitskosten zu reduzieren. Ein Großteil unserer britischen Akteure im Finanzsektor investieren maßgeblich in die Digitalisierung. So sind britische Finanzinstitute nicht nur bei der Integration von künstlicher Intelligenz führend, sondern investieren zu 80 Prozent auch bereits in Cloud-Technologien. Die Investitionen zahlen sich aus: der ROI britischer Finanzdienstleister liegt bei ganzen zehn Prozent, während er in Deutschland nur bei vier Prozent liegt. Doch in den letzten Jahren ist auch auf dem deutschen Markt ein Wandel zu spüren. Robotic Process Automation (RPA) wird von internationalen Banken weithin eingesetzt, um repetitive und monotone Aufgaben zu automatisieren und dadurch die Betriebskosten erheblich zu senken. Wir beobachten auch eine steigende Nachfrage unserer deutschen Kunden nach der Migration in die Cloud, um Kosten zu sparen, Skalierbarkeit zu erreichen und die Disaster-Recovery-Fähigkeiten zu verbessern. BPaaS-Lösungen werden aufgrund ihrer Skalierbarkeit, Kosteneffizienz und Agilität ebenfalls immer beliebter. Dieses Modell verbessert die Compliance, passt sich schnell an Marktveränderungen an und ermöglicht es Institutionen, sich auf ihre Kernaktivitäten zu konzentrieren, indem komplexe Prozesse an spezialisierte Anbieter ausgelagert werden.
Deutsche Banken brauchen neue Innovationskultur und höhere Digitalisierungsbudgets
Umgekehrt können internationale Konkurrenten jedoch auch von deutschen Banken lernen. Finanzinstitute in Deutschland sind gegenüber wirtschaftlichen Schocks sehr widerstandsfähig – das ist ein großer Wettbewerbsvorteil. Auch bei grünen Investitionen und der Ausbildung von Personal dienen sie als Vorbild. Dennoch muss sich schleunigst ein Mentalitätswechsel vollziehen, wenn Finanzinstitute in Deutschland den Rückstand aufholen wollen. Hierzu muss vor allem eine Kultur gefördert werden, die auf Innovation statt auf langfristiger Stabilität beruht. Dazu müssen Finanzunternehmen bereit sein, mehr in Digitalisierungsvorhaben zu investieren. Ein Differenzierungsmerkmal wird die Zusammenarbeit mit Fintechs sein. Finanzinstitute müssen sich auf einen vertrauensvollen Partner verlassen, wenn sie nicht über alle Ressourcen verfügen, um sich eine digitale Umstellung eigenständig leisten zu können. Die Zusammenarbeit mit Fintech-Unternehmen und die Einrichtung spezieller Innovationszentren können die rasche Entwicklung und Einführung neuer digitaler Dienstleistungen vorantreiben, was zu Kosten- und Zeiteinsparungen führt. So erhalten Unternehmen die Chance, sich zu entfalten.
Britische Banken haben schon früh das Potential erkannt, das in der Zusammenarbeit mit Fintechs und spezialisierten Finanzdienstleistern liegt. Der globale FinTech-Anbieter für Banken, Vermögensverwalter und Asset Manager ist mit über 20 Kunden und einem verwalteten Volumen von mehr als 200 Milliarden Pfund ein Marktführer im britischen Wealth Management Sektor.
[](https://www.linkedin.com/in/alberto-cuccu-21a401/)### Alberto Cuccu
Chief Operating Officer, Objectway
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
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**Categories:** Article
**Tags:** #artificialintelligence, #assetmanagement, #bankingadministration, #digital-transformation, #fintech, #privatebanking
---
### [Objectway lancia sul mercato italiano il portale per gli investitori dedicato ai gestori di alternative asset: primo go live per Sagitta SGR](https://objectway.com/objectway-lancia-sul-mercato-italiano-il-portale-per-gli-investitori-dedicato-ai-gestori-di-alternative-asset-primo-go-live-per-sagitta-sgr/)
**Published:** July 2, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway lancia sul mercato italiano il proprio portale per gli investitori dedicato ai gestori di alternative asset. Sagitta SGR è il primo operatore ad adottarlo.
**Content:**
[](/news/)
View all News
# Objectway lancia sul mercato italiano il portale per gli investitori dedicato ai gestori di alternative asset: primo go live per Sagitta SGR
La crescita dei fondi di investimento alternativi è guidata da opportunità sempre più multi asset oltre che da una progressiva apertura alla clientela diversificata. La tecnologia può facilitare questa crescita scalando le attività dei gestori per soddisfare la crescente domanda e avvicinando gli investitori a questo tipo di investimenti.
Grazie all’innovazione e alla tecnologia di Objectway, oggi anche gli asset manager hanno a disposizione un portale investitori dedicato a questo settore e alle sue esigenze specifiche.
Milano, 2 Luglio 2024 – Objectway, Top100 FinTech provider a livello globale nei servizi e nel software as-a-service per banche, wealth e asset manager, con oltre 200 clienti in EMEA, Canada e Sud Africa, lancia sul mercato italiano il proprio portale per gli investitori dedicato ai gestori di fondi alternativi (FIA).
Si tratta di uno strumento innovativo nel panorama dell’asset management, che mette a disposizione dei gestori un tool digitale, dinamico e sicuro di comunicazione e interazione con la clientela per la collaborazione digitale e la condivisione delle informazioni.
Sagitta SGR è il primo operatore sul mercato italiano ad adottare questa soluzione. La società è la asset management firm italiana del Gruppo Arrow Global dedicata alle attività di gestione di fondi nel mercato italiano. Sagitta, che conta al 31 gennaio 2024 oltre 2 miliardi di Euro di AuM, si pone come una piattaforma multi-asset e multi-comparto specializzata nella realizzazione di investimenti in diverse asset class e che conta oltre 120 investitori tra istituzionali, banche, family office e HNWI.
Il Distributor Portal di Objectway offre agli investitori della SGR un portale dedicato che migliora la comunicazione e l’accesso alle informazioni. Grazie alla disponibilità su più dispositivi e alla condivisione automatica, veloce e sicura delle informazioni, migliora l’esperienza di investimento.
A pieno regime, sul portale saranno disponibili 15 fondi dei 16 fondi di Sagitta SGR.
Gli investitori hanno a disposizione una panoramica completa dei loro investimenti nei prodotti della SGR. Gli investitori di un fondo possono tracciare tutte le loro transazioni, aggiornare le informazioni personali e scaricare la documentazione fornita dalla SGR, mantenendo così sempre sotto controllo i propri investimenti.
Per la SGR, questa soluzione offre vantaggi significativi, rendendo la comunicazione con gli investitori ancora più trasparente e veloce. La SGR può pubblicare e condividere direttamente con i partecipanti ai fondi tutti i documenti necessari, come rendiconti, richiami, rimborsi e altre informazioni importanti. Inoltre, il portale consente un aggiornamento veloce dei dati a disposizione degli investitori e supporta la promozione di nuove iniziative in modo più immediato e coinvolgente.
[](https://www.linkedin.com/in/claudio-nardone-2327b83/)### Claudio Nardone
CEO di Sagitta SGR
Il nuovo Distributor Portal aggiunge nuove funzionalità al nostro portale per gli investitori, supportando il business dell’asset management in aggiunta al segmento del wealth management che abbiamo già consolidato sul mercato, e offre benefici tangibili sia per gli operatori che per gli investitori nel contesto dei fondi alternativi. Infatti, non solo risponde alle loro esigenze, ma deriva dal nostro impegno costante nell’ascoltare e rispondere ai feedback dei nostri clienti. Crediamo fermamente che la tecnologia possa trasformare e migliorare le pratiche di gestione degli investimenti, e questo nuovo portale è un esempio concreto del nostro approccio innovativo e orientato al cliente.
[](https://www.linkedin.com/in/davideingoglia/)### Davide Ingoglia
Senior Product Manager di Objectway
I gestori di alternative asset oggi si relazionano non più con poche decine di investitori istituzionali, ma con centinaia o migliaia di investitori. Per supportare questa crescita servono soluzioni e piattaforme digitali in grado di comunicare con i clienti in maniera efficace, immediata e intuitiva. Maggiore comunicazione significa maggiore chiarezza, trasparenza e dunque più fiducia.
[](https://www.linkedin.com/in/gianbattista-geroldi-070a322a/)### Gianbattista Geroldi
CEO Italia di Objectway
Per questo la customer experience deve essere ottimale, sia per gli operatori che per gli investitori, a maggior ragione quando si parla di asset complessi come i FIA. Siamo orgogliosi di poter supportare Sagitta SGR nel suo approccio innovativo alla gestione della relazione con la clientela con una soluzione che migliora la produttività, riducendo le attività manuali e i tempi di attesa e facilita l’accesso e la condivisione delle informazioni.
[](https://www.linkedin.com/in/paolo-bonacina-b7940541/)### Paolo Bonacina
BPO Service Operation Director di Objectway
## Related
[All](#)[\#compeer](#)[\#customerexperience](#)[\#financialservices](#)[\#markettrends](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
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**Categories:** Press Release
**Tags:** #distributorportal, #fia, #fundadministration, #investmentmanagement, #oneobjectway, #sgr, #technology
---
### [Objectway partners with Unblu for the Impact Day 202312th September 2023](https://objectway.com/objectway-partners-with-unblu-for-the-impact-day-2023/)
**Published:** August 1, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will attend the Unblu Impact Day 2023 in Zurich. Register now to network with eminent keynote speakers and industry experts.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway partners with Unblu for the Impact Day 2023
12th September 2023 – The partnership between Objectway and Unblu is going to grow. Curious to find out more? Don’t miss the Unblu Impact Day 2023 – Witness the power of conversational engagement in Zurich.
## Agenda
12th September 2023
09:00 – 19:00
Unblu Impact Day 2023 – Witness the power of conversational engagement
Laura Faverzani, Objectway Head of Operations of the Omnichannel Client Lifecycle Management Solutions
Hanife Guertner, Objectway Business Development Specialist
Now in its new edition, the Unblu Impact Day 2023 will be the opportunity for financial industry experts to get in touch with real and useful case studies and to discover insights from evolving trends, such as market challenges and compliance regulations.
This in-person event will offer you the chance to:
- deepen useful case studies and customer success stories;
- listen to eminent keynote speakers that will define the cutting-edge of the financial services industry;
- join the attendees for networking activities and one-to-one meetings.
Don’t miss out on the chance to mix with like-minded professionals and find out how the Objectway Platform can boost your efficiency in your day-to-day tasks, better serve your clients and increase revenues with a smart client management solution.
## Event Information
12th September 2023, Google EURF, Europaallee 36, 8004 Zürich
**[Register now](https://landing.unblu.com/unblu-impact-2023/)** to secure your place at the event!
## Conference Delegates
Laura Faverzani
Laura is the Head of Operation of the Omnichannel Client Lifecycle Management Solution in Objectway. With over 20 years of experience in the FinTech industry, with a focus on digital transformation, she has led operations and implementation projects, advising clients on how to best leverage digital solutions to improve customer experience and operational efficiency.
## Related
[All](#)[\#customerexperience](#)[\#financialservices](#)[\#markettrends](#)[\#unblu](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Event
**Tags:** #digitaltransformation, #financialservices, #investmentmanagers, #unblu, #wealth-management, GLO
---
### [Objectway scores a hat-trick in Private Banking and Investment Management from IBS Intelligence](https://objectway.com/objectway-scores-a-hat-trick-in-private-banking-and-investment-management-from-ibs-intelligence/)
**Published:** July 11, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway maintains its leading position in the IBS Intelligence Sales League Table, showcasing the company's consistent performance.
**Content:**
[](/news/)
View all News
# Objectway scores a hat-trick in Private Banking and Investment Management from IBS Intelligence
Objectway maintains its leading position in the IBS Intelligence Sales League Table, showcasing the company’s consistent performance and crucial role in helping financial institutions upgrade their technology platforms for future-proofing and digital transformation.
London, 11th July 2024 – Objectway, top 100 global provider of as-a-service software and services for financial institutions, has been recognised in the IBS Sales League Table Leadership Club. This marks the third consecutive win for Objectway in the Private Banking & Wealth Management and Investment & Fund Management categories.
The IBS Intelligence Annual Sales League Table (SLT) is the industry-acknowledged barometer of global financial technology provider performance, having been reporting the number of system and solution sales achieved by vendors around the world for over 20 years.
This year edition covered **2,100+ deals** from **50+ suppliers** in **150+ countries** across **20 system categories**.
I would like to congratulate Objectway for their continued strong performance in ‘Private Banking & Wealth Management’ and ‘Investment & Fund Management’ categories in SLT 2024. Objectway’s unwavering commitment to client needs and their proven track record of leadership have cemented their status as an authority in the private banking and investment management spheres.
[](https://www.linkedin.com/in/nikhil-gokhale-research/)### Nikhil Gokhale
Director - Research & Digital Properties at IBS Intelligence
Throughout these years, we have maintained our position as market leader thanks to our strategic roadmap, which has always focused on harnessing innovation to meet the real needs of our customers. This notable recognition is further evidence of our successful journey to become the trusted end-to-end global partner for the financial services industry.
[](https://www.linkedin.com/in/luigi-marciano-66b9538/)### Luigi Marciano
Objectway's Group CEO & Founder
## Related
[All](#)[\#compeer](#)[\#customerexperience](#)[\#financialservices](#)[\#markettrends](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Awards
**Tags:** #customerexperience, #financialservices, #fintech, #investmentmanagement, #oneobjectway, #wealth-management
---
### [Objectway partners with Compeer for the Wealth Management Yearly Review 202426th June 2024](https://objectway.com/objectway-partners-with-compeer-for-the-wealth-management-yearly-review-2024/)
**Published:** June 20, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** This year, Objectway will again proudly sponsor the Compeer Wealth Management Yearly Review to delve into UK wealth firms current challenges.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway partners with Compeer for the Wealth Management Yearly Review 2024
26th June 2024 – This year, Objectway will again proudly sponsor the Compeer Wealth Management Yearly Review to delve into UK wealth firms current challenges.
## Agenda
26th June 2024
15:20 – 15:35
How has the UK wealth industry coped?
Tariq Khan, Objectway Client Development Director
Objectway will attend upcoming **Compeer Wealth Management Yearly Review 2024** together with industry professionals and experts to undercover UK wealth firms current challenges.
The Conference Agenda will be centred on UK wealth industry as they are currently struggling with a slow recovery process after some downward trends in their business performance.
Our **Client Development Director, Tariq Khan**, will meet and network with other guest speakers and CEO’s from UK wealth firms to discuss wealth management industry latest developments and future shifts in what is sure to be an engaging and thought provoking conference.
The event will also be the opportunity to address some of the main Compeer Surveys results, focusing on how UK asset management firms are coping with the standstill in core income streams, reduced organic asset growth and rising costs.
Access full event’s information and finalise your registration to join us at our booth: we’re looking forward to uncover the benefits of our Solution Design, leveraging a comprehensive and seamless integrated suite of end-to-end digital and service capabilities, set to enhance client experience, innovate investment services and enable process automation within the entire CLM journey.
Complete your registration **[following this link](https://compeer.co.uk/event/wealth-management-yearly-review-2024/)** and a member of the Compeer team will then be in touch shortly.
## Event Information
Wednesday 26th June 2024, Barings offices, 20 Old Bailey, London, EC4M 7BF
Seize the opportunity to join us and come visit us at our booth.
There is no charge for this event for representatives of wealth management firms and private banks. A charge of £300 + VAT applies for service providers.
CPD certificates will be issued shortly after the event.
We’re looking forward to meeting you in London!
## Speaker
Tariq Khan
Tariq is Client Development Director at Objectway and he leads the Business Development and Account Management teams. Tariq is passionate about Wealth management sector and has been working with Wealth Managers for over 15 years, with the prime focus on delivering outstanding client outcomes. He and his team try and achieve this by forming long term partnerships with firms and enabling them to improve their user and end client experience, operational efficiency, and become future ready through Objectway’s digital solutions. Tariq studied Physiology at Kings College London and he holds the Islamic Finance Qualification.
## Related
[All](#)[\#compeer](#)[\#customerexperience](#)[\#digitaltransformation](#)[\#wealthmanagers](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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---
### [Objectway secures Eleventh Consecutive Award - Sixth Straight "Best Wealth Management System" Title - from Goodacre UK](https://objectway.com/objectway-secures-eleventh-consecutive-award-sixth-straight-best-wealth-management-system-title-from-goodacre-uk/)
**Published:** June 25, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway has secured its eleventh consecutive award, marking the sixth consecutive win for “Best Wealth Management System” from Goodacre.
**Content:**
[](/news/)
View all News
# Objectway secures Eleventh Consecutive Award – Sixth Straight “Best Wealth Management System” Title – from Goodacre UK
The unwavering leadership is a tangible outcome of the long-standing and ongoing recognition from clients and market experts.
London, 25th June 2024 – Objectway, global FinTech provider of as-a-service software to banks, wealth and asset managers, has secured its eleventh consecutive award, marking the sixth consecutive win for “Best Wealth Management System” from Goodacre, the UK’s leading specialist consultancy for the securities industry.
The well-established Goodacre Systems in the City Fintech Awards are the premier endorsement for suppliers of services and systems to the regulated financial services sector. Based on an independent and rigorous annual accreditation process, they serve as a crucial reference for firms evaluating their operational infrastructure.
As a technology company, our strategic roadmap naturally emphasises technology development and related product objectives. However, we also pride ourselves on being customer-centric, ensuring that any offering evolution aligns with our customers’ real business needs. This steadfast leadership reflects our ongoing commitment to meeting the needs of our customers and the market, resulting in long-standing recognition from these stakeholders.
[](https://www.linkedin.com/in/sandrocassar/)### Dr. Alexander Cassar
Chief Business Development Officer at Objectway
Objectway’s success at the Systems in the City Financial Technology Awards 2024 was secured on the basis of the many very favourable references from their client companies in support of their nomination for Best Wealth Management System. This is a tremendous achievement and not of course, the first occasion that Objectway has won this particular category.
[](https://www.linkedin.com/in/stephen-pinner-148aa48/)### Stephen Pinner
Managing Director at Goodacre
## Related
[All](#)[\#compeer](#)[\#customerexperience](#)[\#financialservices](#)[\#markettrends](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Awards
**Tags:** #customerexperience, #financialservices, #fintech, #investmentmanagement, #oneobjectway, #wealth-management
---
### [Objectway attends the annual Systems in The City FinTech Awards Cerimony in London20th June 2024](https://objectway.com/objectway-attends-the-annual-systems-in-the-city-fintech-awards-2024/)
**Published:** June 16, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Have your say in determining the winner of the Systems in the City FinTech Awards 2024! Endorse Objectway and Yannick's winning in the designated categories!
**Content:**
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# Objectway attends the annual Systems in The City FinTech Awards Cerimony in London
20th June 2024 – The SITCA 2024 are back this year to reward those companies and individuals who have excelled in delivering quality support to their own clients.
## Agenda
20th June 2024
12:30 – 16:00
Systems in The City Financial Technology Awards 2024
Objectway will be proud to attend the forthcoming edition of **Systems in The City FinTech Awards 2024** organised by Goodacre.
This year, Objectway competes in two different categories: the Individual Category, with the nomination of **Yannick Janssens, Objectway UK Business Leader**, and the Company Category, with Objectway running for the **Wealth Management category**.
To vote Yannick Janssens, fill in the following fields and choose between two categories **(Excellent Product Development or Outstanding Service Standards)**:
- Enter Individual Name: Yannick Janssens
- Enter Individual Company: Objectway
[VOTE FOR YANNICK](https://www.goodacreuk.com/sitc/systems-in-the-city-individual-references)
To vote Objectway Wealth Management, complete the required fields on the voting page, in particular:
- Which Company are you providing a reference? **Write “Objectway”**
- What data, service or system is the main point of your reference? **Write “Wealth Management”**
- Assign us a rating in each of the aspects listed where applicable
[VOTE FOR OBJECTWAY](https://goodacreuk.com/sitc/systems-in-the-city-customer-references)
Voting can be made online until Friday, June 14th. Have your say in determining the winner of SITCA 2024 and encourage your peers to vote for Objectway as well!
**[Follow this link to finalise your voting](https://www.goodacreuk.com/sitc/systems-in-the-city-customer-references)** and get ready to discover how Objectway Solutions the way you manage and grow wealth, leveraging cutting-edge digital solutions designed to maximise your clients’ wealth and operational efficiency.
## Event Information
Thursday, 20th June, Merchant Taylors’ Hall
To find out more, **[click here!](https://goodacreuk.com/events/forthcoming-events/systems-in-the-city-financial-technology-awards-2024)**
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### [Objectway will contribute to upcoming IIAC Annual General Meeting in Toronto13th June 2024](https://objectway.com/objectway-will-contribute-to-upcoming-iiac-annual-general-meeting-in-toronto/)
**Published:** June 10, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will be Welcome Sponsor at next IIAC Annual General Meeting in Toronto to discuss major force that are reshaping the financial industry.
**Content:**
[](/webinars-and-events/)
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# Objectway will contribute to upcoming IIAC Annual General Meeting in Toronto
13th June 2024 – The IIAC Annual General Meeting gathers senior representatives from a cross-section of the investment industry. This year’s edition will take place in the heart of downtown Toronto, hosting a lineup of keynote speakers to discuss the major forces reshaping the financial industry.
## Agenda
13th June 2024
3:30 – 6:30 PM ET
IIAC Annual General Meeting 2024
Kurt Vanhee, Objectway Managing Director Continental Europe & North America
**The Investment Industry Association of Canada (IIAC)** is the national association representing investment firms that provide products and services to Canadians. The IIAC represents investment firms of every type including investment and mutual fund dealers, exempt market dealers, portfolio managers and investment fund managers.
Objectway will attend the Annual General Meeting in the iconic Hockey Hall of Fame in the historic Great Hall as **Welcome Sponsor**. Our Group will be honoured to emphasize its **Affiliation Membership** to IIAC as we commit to driving forward innovation and digital transformation within the financial industry and we contribute to nurture progress and elevate the industry future.
Seize the opportunity to meet up with **Kurt Vanhee, Objectway’s Managing Director Continental Europe & North America** and discover together our Platform benefits throughout a flexible solution design leveraging the comprehensive suite of end-to-end digital and service capabilities, based on scalable cloud infrastructure.
## Event Information
Thursday, 13th June 2024, The Hockey Hall of Fame, Brookfield Place, 30 Yonge St. Toronto
Meet us at our booth and **[register here to secure your place at the event.](https://www.iiac-accvm-events.ca/register)**
We’re looking forward to meeting you in Toronto!
## Conference Delegates
Kurt Vanhee
With a professional career of nearly 30 years in various roles in large and medium size banking and IT organizations, Kurt has built a strong knowledge of Wealth Management, IT, Customer Delivery and Business Development activities in an international environment. In his current position at Objectway, as Managing Director Continental Europe & North America, he encourages a customer-centric approach.
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7 September 2026
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**Categories:** Event
**Tags:** #compliance, #iiac, #oneobjectway, #regulation, #sponsor
---
### [Objectway will sponsor next Regulatory & Compliance Forum by PMAC in Toronto5th June 2024](https://objectway.com/objectway-will-sponsor-next-regulatory-compliance-forum-by-pmac-in-toronto/)
**Published:** June 4, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will be Session Sponsor at next Toronto Regulatory & Compliance Forum 2024 organized by PMAC and focused on current and future Regulatory evolutions.
**Content:**
[](/webinars-and-events/)
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# Objectway will sponsor next Regulatory & Compliance Forum by PMAC in Toronto
5th June 2024 – The Toronto Regulatory & Compliance Forum will cover a variety of topics that address new developments, critical issues, and insights on how to sustain a successful compliance program.
## Agenda
5th June 2024
8:00 AM – 6:00 PM ET
Toronto Regulatory & Compliance Forum 2024
Kurt Vanhee, Objectway Managing Director Continental Europe & North America
Debra Thuet, Nest Wealth Asset Management CCO
Objectway lands in Toronto for the **Toronto Regulatory and Compliance Forum 2024 organized by PMAC**. The Conference proved to be an insightful event for peers and industry experts to gain highlights and tactical guidance on current issues and industry developments impacting compliance and legal professionals.
The Conference Agenda will be spanned by **Regulatory Panels** and **Compliance Topics**, especially regarding the Compliance shifts and evolutions through RegTech Solutions and more. Compliance experts will discuss current hot button topics and emerging trends for portfolio managers to help firms to deal with day-to-day compliance challenges.
Get the information you need to keep up to date and gear up to meet **Kurt Vanhee, Objectway Managing Director Continental Europe & North America** and **Debra Thuet, Nest Wealth Asset Management CCO** to discover how Objectway is focused on monitor Regulatory frameworks to ensure stability, fairness and protection of market participants.
Our experts will introduce you to the afternoon’s lively debate titled **“Revolutionizing Compliance through RegTech Solutions”** focused on emerging and innovative technologies to support firms managing day-to-day compliance challenges.
## Event Information
Wednesday, 5th June 2024, Lennox Hall (formally Toronto Board of Trade) – 77 Adelaide Street West, Toronto, ON
Meet us at our booth and **[register here to secure your place at the event.](https://pmac.org/2024-06-05-toronto-forum/)**
We’re looking forward to meeting you in Toronto!
## Conference Delegates
Kurt Vanhee
With a professional career of nearly 30 years in various roles in large and medium size banking and IT organizations, Kurt has built a strong knowledge of Wealth Management, IT, Customer Delivery and Business Development activities in an international environment. In his current position at Objectway, as Managing Director Continental Europe & North America, he encourages a customer-centric approach.
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7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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---
### [Objectway at 17th Edition of Richmond Financial Industry Forum30th May - 1st June 2024](https://objectway.com/objectway-at-17th-edition-of-richmond-financial-industry-forum/)
**Published:** May 28, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will attend next Richmond Financial Industry Forum in Switzerland, the conference topic ideas will be generated by discussions with keynote speakers.
**Content:**
[](/webinars-and-events/)
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# Objectway at 17th Edition of Richmond Financial Industry Forum
30th May – 1st June 2024 – Objectway will be back at next Richmond Financial Industry Forum 2024 in Switzerland. Conference topic ideas will be generated by discussions with delegates and leading industry experts over the year.
## Agenda
30th May – 1st June 2024
How can banks achieve greater digital customer proximity through customer-centred service design?
Dr. Stefanie Auge-Dickhut, Head CC Ecosystems, Business Engineering Institute St. Gallen
Ramazan Celiköz, Objectway Director of Sales and Business Development
The **Richmond Financial Industry Forum** is a unique event designed for key decision-makers and supplier companies of the financial industry. The event will start on Thursday, and it will finish on Friday evening with a gala dinner.
Objectway is pleased to invite you to join our experts to discuss together new trends and opportunities in the financial industry evolving framework. Pre-scheduled one-to-one business meetings and roundtable discussions will allow you share key issues and build long-lasting relationships.
During the 2-days Conference, **Ramazan Celiköz, Objectway Director of Sales and Business Development** and **Dr. Stefanie Auge-Dickhut, Head CC Ecosystems, BEI St. Gallen**, will be delivering a keynote speech focusing on how banks can achieve greater customer engagement, redefining the banking traditional profile.
Customers are “always on” and expect to be offered integrated solutions in their own living environments (housing, mobility, leisure, etc.). For turn, banks can position their services in different ways:
- Embedding banking services into customers daily lives
- Enriching banking services by integrating third-party services
- Designing a seamless and fully integrated platform
Strategies and effects of this change will be underpinned by our experts with the support of real case studies and success stories.
**[Consult the full programme here](https://www.richmondevents.ch/events/richmond-financial-industry-2024)** and get ready to meet us!
We’re looking forward to meeting you in Interlaken!
## Event Information
30th May – 1st June 2024, Victoria-Jungfrau Grand Hotel & Spa, Interlaken
## Speakers
Ramazan Celiköz
Ramazan is Objectway Business Development Leader for the DACH Region. He has been leading all the B2B Sales and Business Development activities related to the execution and implementation of Objectway Solutions within the product chain, with a focus on the digital advisory processes. After a longstanding career in the Core Banking and Financial Services, he has strenghten his expertise in the SaaS and BPaaS areas, controlling both the Pre-Sales and Sales steps of many projects. Ramazan holds a Master’s Degree in Business Administration and Financial Markets from Vienna University of Business and Economics.
Dr. Stefanie Auge-Dickhut
After completing her banking apprenticeship, studies and doctorate, she worked for Ernst & Young and UniCredit Group in Corporate Finance Advisory for more than 10 years and then established applied research and training programmes with a focus on digital banking at a Zurich University of Applied Sciences. Since 2018 she has headed the Ecosystems competence field (former CC Sourcing) and she is passionate about the development of innovative business models in cross-industry ecosystems based on innovative technologies.
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7 September 2026
## Sign Up for our Newsletter
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---
### [Evolving Trends in Outsourcing Models for Wealth and Asset Management Firms in the UK](https://objectway.com/evolving-trends-in-outsourcing-models-for-wealth-and-asset-management-firms-in-the-uk/)
**Published:** May 22, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** In the dynamic landscape of UK-based wealth and asset management firms, the paradigm of outsourcing is undergoing significant shifts.
**Content:**
[](/news/)
View all News
# Evolving Trends in Outsourcing Models for Wealth and Asset Management Firms in the UK
22nd May 2024 – In the dynamic landscape of UK-based wealth and asset management firms, the paradigm of outsourcing is undergoing significant shifts, driven by a confluence of factors such as technological advancements, regulatory pressures, and evolving client expectations.
In the dynamic landscape of UK-based wealth and asset management firms, the paradigm of outsourcing is undergoing significant shifts, driven by a confluence of factors such as technological advancements, regulatory pressures, and evolving client expectations.
We have noted a **growing trend** among clients in the UK, towards requesting service delivery through **diverse and hybrid outsourcing models**. Traditionally, organisations have relied on legacy installations and on-premises maintenance models. However, even the most conservative financial institutions are now recognising the benefits of outsourcing, particularly in terms of cost efficiency, sustainability and enhanced service accessibility through cloud solutions. We believe that the pace of change may vary, but the direction towards outsourcing is well-established.
When referring to outsourcing models it meant a focus on back-office administrative operational tasks such as managing books of record, clearing/settlement and custody. These are repetitive activities that can be scaled more easily because they require uniform processes and are very similar for each firm depending of course on their segment i.e. whether wealth or fund administration or private banking operations.
However, other activities for instance for advisor or private bankers, such as client life cycle management, portfolio management and digital collaboration may be less open to operational outsourcing and are better suited for a SaaS (Software-as-a-Service) outsourcing model where the workflow can be tailored and personalised to the client and their advisor.
So we are of the opinion that the definition of outsourcing can be a hybrid combination of operational and SaaS outsourcing.
What are the main considerations for firms exploring outsourcing options?
As the discussion around outsourcing expands, we have observed a notable shift from being solely a concern of CIOs and CTOs to becoming an active dialogue led by COOs. This reflects a broader organisational recognition of the potential **benefits of outsourcing across compliance, administrative, reporting, transactional, and account management areas**.
We are of the opinion that firms must consider their operational capacity, skills, return on investment, and the desired level of client engagement.
**Depending on their size and business focus, firms may opt for different outsourcing models**, ranging from custodial partnerships to comprehensive operational outsourcing. It’s crucial that outsourcing solutions are tailored to fit the specific needs and operational capacities of each firm. For firms managing less than a £1billion of assets, outsourcing operational and compliance responsibilities to regulated custodial partners can offer significant advantages in reducing regulatory burdens and capital requirements. Conversely, larger firms with diverse client bases may opt for a more selective approach, retaining certain operational functions in-house while outsourcing others to achieve cost efficiencies.
This is especially common in the area of front-office and client-facing operations where the need for competitive advantage is more intense. Hence firms need to differentiate their service more effectively and establish their uniqueness and value propositions over their competitors. It means these firms cannot give full control to a single outsourcing vendor, and will retain operational control, for example, of functions such as investment management, client account and life cycle management.
Thus, one partner might manage operationally the custody, books and records for a wealth manager but that manager will use another outsourcing partner to complement their advisor desktop applications like CRM and portfolio management in a SaaS model.
How to cater to different firm sizes and business needs in outsourcing?
While full lift-and-shift models offer immediate cost savings and scalability benefits, they also pose risks related to reputation, service quality, and future operational harmonisation, in addition to a potential reduction in flexibility and agility to adapt to change.
We acknowledge the potential benefits but emphasize the importance of careful consideration and planning, and of working with partners who have a proven track record in this area and who offer an elastic rather than rigid approach. As such, it means that **applications across the entire value chain must be sufficiently open and modular**, so that they can co-exist and interoperate with other systems.
For example, if portal technologies and external management of 3rd party services via SaaS are the initial area of outsourcing, the starting point for digital and operational transformation, we can create an integrated technology and operational managed service to ensure performance with innovation and cost management.
As business and value propositional development evolve, perhaps extending into the manufacturing, maintenance, and distribution of investment products and services, we can extend the presence of its capabilities to cater to this requirement, in turn, improving the quality and depth of client reporting, and the operational effectiveness of investment management advisory services.
Executing this evolution through SaaS, along with other operational services in areas like data management, tax reporting, and market connectivity management (for FIX, Swift, and Banking services for example) can be bundled into the offering, allowing further externalisation to be achieved.
We can continue to expand this model into a fully managed business process service to support order management, and investment operations, but it can just as easily compartmentalise its contribution. This means that our customers can utilise which ever client money management model best suits their proposition, including both those that are best run with some internal ownership, as well as those where depositary banks, or wealth custodians will be using their own permissions to regularly report to the authorities on client money activities.
By providing **phased and hybrid approaches to digital and operational transformation**, clients of all sizes can align outsourcing solutions with their unique value propositions and business strategies.
What might the future hold for outsourcing in the wealth and asset management industry?
We anticipate **continued growth in outsourcing adoption**, driven by the need for cost management, operational efficiency, and regulatory compliance. We believe firms will choose to use multiple flavours of outsourcing partners offering best-of-breed components and solutions to firms that will decide which operations to outsource and which to retain in-house utilising SaaS.
Therefore modularity and interoperability are key aspects to consider when approaching outsourcing. By adopting open and modular applications that integrate seamlessly with existing systems, customers can design outsourcing solutions that align with their value proposition and operational preferences. They can also reduce complexity and cost, while enabling cross-border standardisation.
In conclusion, we envisage an optimal **partnership model extending beyond technology** to encompass comprehensive business process services, including order management and investment and client life cycle operations. This holistic hybrid approach will allow firms to externalise various aspects of their operations while maintaining control over critical and differentiating functions, ensuring a seamless transition to outsourcing.
A firm, therefore, must consider which components of their business can be outsourced as operations and which components they can outsource as SaaS. Indeed, they need also to consider how different outsourcing partners and flavours interact with each other so that information flows seamlessly and bi-directionally between their chosen parties.
[](https://www.linkedin.com/in/david-wilson-13ba3811/)### David Wilson
Senior Business Development Manager Objectway
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8 September 2026
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4 September 2026
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**Categories:** Article
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---
### [Hybrid advice creates opportunities, but also client retention problems](https://objectway.com/hybrid-advice-creates-opportunities-but-also-client-retention-problems/)
**Published:** May 27, 2024
**Author:** Lorenzo Noventa
**Excerpt:** In the dynamic landscape of UK-based wealth and asset management firms, the paradigm of outsourcing is undergoing significant shifts.
**Content:**
[](/news/)
View all News
# Hybrid Advice creates opportunities, but also Client Retention problems
27th May 2024 – The expanding robo-advice market is increasingly blurring the lines between digital and human advisory services, creating opportunities for firms that effectively integrate these offerings. In an insightful interview with The Globe and Mail, Roger Portnoy provides key perspectives on this topic!
A growing robo-advice market is blurring the lines between digital and human advice,creating opportunities for firms that integrate their offerings and move clients from one stream to the other.
Some wealth management firms are experimenting with robo-advisors to manage small accounts, according to a report from Toronto-based research firm Investor Economics, an ISS Market Intelligence business. In this scenario, which the report calls the “digital detour,” investment companies use robo-advisors to serve clients with smaller balances and simpler needs while managing advisor capacity.
However, this approach has created a potential client retention problem.
“Some of the traditional investment firms have built these digital offerings off the side and haven’t figured out how to integrate them with their existing offers,” says Kevin Spraggs, vice-president of research at Investor Economics. After a decade of serving Canadian investors, the robo-advisor market is still relatively small, according to the report, with less than $24-billion of assets under management, as of September. That represents just 0.4 per cent of the $6.5-trillion in financial wealth in this country, Mr. Spraggs says. Still, he notes, this subsector has experienced a 32 per cent annual compounded growth rate during the past four years.
As the robo-advice market grows, the lines between digital and human advice will continue to blur, the Investor Economics report says.
“Robo-advisors have thus far failed to attract large amounts of assets, and large wealth \[management\] firms have struggled to integrate robo-advisors into their advice offerings, whether as a channel on the progression pathway or as an advisor-assistance tool,” the report says.
“That said, robo-advisors have acted as disruptors through ushering in a new digital age to the wealth management business.” Part of the reason robo-advisors haven’t taken off in Canada, Mr. Spraggs says, is the strong position of the banks.
“The banks cross-sell wealth to every Canadian with a checking account and have been very shrewd at developing a powerful progression pathway that moves clients through the bank to the channel that best fits their wealth and needs.”
Banks have also adopted the technology themselves, often partnering with robo-advisor providers that are pursuing business-to-business models, says Roger Portnoy, chief strategy officer at Milan, Italy-based wealth management tech company Objectway. In January, the firm expanded into North America with the acquisition of Canadian roboadvisor Nest Wealth. Partnerships with robo-advisor fintech companies can benefit advisors and wealth managers, Mr. Portnoy says.
“Given that many robo-advisor firms have been moving from a pure B2C \[direct to client\] toward a B2B \[business-to-business\] model, financial advisors who have simpler clients in the wealth accumulation stage are seeing a well-diversified \[and\] ESG-friendly roboadvisor provider increasingly as an outsourcing investment management partner,” he says.
But wealth management firms must create a clear progression pathway of their own or risk losing those clients as they mature, Mr. Spraggs says. Adding to the challenge, traditional robo-advisor platforms are scaling up their human advice offering and becoming more hybrid, the Investor Economics report says. To retain clients, wealth management firms and advisors must create more integrated robo-advisor models that support clients through different stages of their investment journey.
“We envision the independent firms trying to replicate a progression pathway model in which they use digital as a base, potentially as a small account strategy,” Mr. Spraggs says.
“They can then add hybrid elements on top of it and move people through to a full advisor relationship and to a high-net-worth offer as the clients grow their wealth.”
Clients might start with a self-directed, digital-only service and progress to a hybrid model with access to salaried advisors once they have around $250,000 in assets, for example. Once they cross the $500,000 threshold, the report says, they would be assigned a dedicated advisor while retaining the full suite of digital planning tools. The top tier would receive the holistic wealth treatment. Unlocking more of these features for clients with larger portfolios and more complex needs will help advisors retain them while using technology to help serve them, Mr.Spraggs says.
Generative AI to the rescue?
Mr. Portnoy envisages generative artificial intelligence as a way to create even tighter integration between human-like elements and robo-advice services. This technology, epitomized by ChatGPT, synthesizes existing information to generate content automatically. It’s being used increasingly in chatbots and other customer-facing applications.
“Gen AI as a client engagement solution has the potential to change the way a personalized fact-find – and full client onboarding toward planning and investment proposal – is done,” he says. “That, in turn, will allow advisors to manage more clients when they need assistance.”
There’s plenty of work to do, Mr. Spraggs concludes: “The wealth \[management\] industry, in general, is playing a bit of catch-up compared with some other industries that have led the digital experience movement.”
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
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**Categories:** Article
**Tags:** #ai, #assetmanagement, #customerexperience, #fintech, #outsourcing, #wealth-management-trends
---
### [Objectway at next #TBSCONF24BXL to investigate the paradigm shift in banking21st May 2024](https://objectway.com/objectway-at-the-banking-scene-conference-2024-in-brussels/)
**Published:** May 19, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will attend next #TBSCONFBXL 2024 in Brussels to investigate the paradigm shift in banking.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway at next #TBSCONF24BXL to investigate the paradigm shift in banking
21st May 2024 – The Banking Scene flagship event and Belgium’s largest banking conference is back and Objectway is waiting for you to explore key topics and lessons learned from leading experts in financial services.
## Agenda
21st May 2024
8:30 – 16:45
The Paradigm Shift in Banking: Transforming the Rules of Engagement
Kurt Vanhee, Objectway Managing Director Continental Europe and North America
As 2024 unfolds, a profound transformation is sweeping through the banking industry, redefining the very nature of how financial institutions engage with their customers. This paradigm shift has **technology** at its heart, since it has not only disrupted traditional banking models, but has also paved the way for new opportunities for both customers and financial services providers.
Objectway’s quest to help you shape the financial services of tomorrow, including banks, is always on and our solutions are designed to provide you with an automated and **omni-channel strategy** to improve client experience and enhance business productivity through integrated digital capabilities.
Curious to find out more? Don’t miss the chance to meet up with **Kurt Vanhee, Objectway Managing Director Continental Europe and North America** and get ready to attend sessions and workshops for gathering concrete and interactive takeaways that can be used in your day-to-day job.
## Event Information
21st May 2024, Maison de la Poste and Tour&Taxis, Rue Picard 7, 1080 Brussels
**[Register now to reserve you spot:](https://thebankingscene.com/events/tbsconfbxl/tickets/)** we’re looking forward to meeting you in Brussels!
## Conference Delegates
Kurt Vanhee
With a professional career of nearly 30 years in various roles in large and medium size banking and IT organizations, Kurt has built a strong knowledge of Wealth Management, IT, Customer Delivery and Business Development activities in an international environment. In his current position at Objectway, as Managing Director Continental Europe & North America, he encourages a customer-centric approach.
## Related
[All](#)[\#financial-planning](#)[\#financialservices](#)[\#oneobjectway](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
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**Categories:** Event
**Tags:** #artificialintelligence, #bankingadministration, #oneobjectway, #privatebanking, #sponsor, #technology
---
### [FinTech e IA non elimineranno la consulenza. La potenzieranno](https://objectway.com/fintech-e-ai-al-servizio-del-wealth-management-per-potenziare-la-consulenza-finanziaria/)
**Published:** May 21, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Le innovazioni apportate da Fintech e Intelligenza Artificiale (IA) al wealth management mirano a potenziare la consulenza finanziaria.
**Content:**
[](/news/)
View all News
# FinTech e IA non elimineranno la consulenza. La potenzieranno
21 Maggio 2024 – Le innovazioni apportate da Fintech e Intelligenza Artificiale (IA) al wealth management non mirano a sostituire i consulenti finanziari, ma a potenziarne il ruolo. È perciò cruciale, spiegano gli esperti di Objectway, trovare l’equilibrio tra elementi digitali e interazioni umane, essenziale per attrarre le nuove generazioni di clienti.
Nel wealth management, una delle sfide più importanti che professionisti e istituzioni finanziarie si trovano ad affrontare è quella di individuare, comprendere e integrare all’interno dei propri processi le potenzialità della rivoluzione tecnologica che il mondo sta vivendo. Ma questa sfida ne racchiude una seconda: con il trasferimento di ricchezza alle nuove generazioni, infatti, il wealth management dovrà costruire un nuovo equilibrio tra digitale e umano.
Come spesso accade quando si parla di innovazione tecnologica, tuttavia, è importante ricordare che sfide e opportunità sono due facce della stessa medaglia. Con **Max Renzulli, Market Solution Director Wealth e Asset Management di Objectway** analizziamo quali sono gli impatti più importanti della tecnologia nell’evoluzione del rapporto advisor-cliente, in particolare alla luce della diffusione sempre più capillare dell’Intelligenza artificiale (IA).
In che modo la digitalizzazione e le nuove tecnologie influenzeranno l’attività dei consulenti finanziari?
Innanzitutto, è fondamentale comprendere che, contrariamente a quanto si può presumere, **la digitalizzazione e l’IA non sostituiranno il ruolo umano dei consulenti finanziari e delle banche, ma piuttosto lo completeranno**. E questo è ancora più vero per le nuove generazioni di clienti di elevato standing patrimoniale (o HNW, high net worth). I dati, infatti, dimostrano che, sebbene **le nuove generazioni di clienti** possiedano maggiore dimestichezza con la tecnologia, esse continuano a ricercare la relazione con il proprio consulente, tanto di persona quanto attraverso il digitale. **Per questa ragione, è importante che le banche e le reti si dotino di piattaforme utili a rendere più fluida ed efficiente l’interazione cliente-consulente**.
Quali sono le principali aree nelle quali la tecnologia può aiutare la consulenza ad attrarre e trattenere le nuove generazioni di HNW?
Questo segmento di clientela è cresciuto o ha sempre vissuto nell’era di internet ed è abituato a **una user experience immediata, semplice e interconnessa anche quando si tratta di gestire i propri investimenti e il proprio risparmio**. Le nuove generazioni, inoltre, sono più autonome dei loro genitori e nonni per quanto concerne la selezione, il monitoraggio e in generale la gestione dei propri investimenti e si affidano a nuovi strumenti e piattaforme per prendere le proprie decisioni. **Per queste ragioni è fondamentale che le aziende implementino sistemi che garantiscano una esperienza cliente efficiente ed efficace, con interfacce semplici da utilizzare e facili da comprendere, ricche di funzionalità che permettano una customizzazione quanto più dettagliata possibile**. Infine, è importante **non dimenticare** il tema della **sicurezza** e **dell’affidabilità dei dati**, aspetto sul quale le nuove generazioni sono particolarmente sensibili.
E per quanto riguarda il lato dell’offerta? In che modo le nuove tecnologie possono aiutare i professionisti e le aziende del wealth a differenziare la propria client experience?
Un primo supporto che la tecnologia può offrire è nella **personalizzazione dei servizi. L’intelligenza artificiale (IA) e l’analisi dei dati permettono agli istituti finanziari di acquisire e analizzare un ingente volume di dati relativi ai propri clienti**, ad esempio quelli relativi alle transazioni finanziarie, agli obiettivi di investimento e di risparmio nonché alla propensione al rischio, elaborando cluster di clientela basati su modelli sviluppati integrando componenti di IA e associando ogni cliente al rispettivo segmento di appartenenza. Grazie a ciò, **banche e consulenti potranno sviluppare e proporre soluzioni ad hoc pensate per il singolo specifico cliente o cluster, fruibili attraverso una user experience costruita con lo stesso grado di personalizzazione**. Non è tutto: l’utilizzo di assistenti virtuali e chatbot basati sull’IA potrebbe permettere di assistere il cliente e di rispondere alle sue domande in ogni momento e in tempo reale, garantendo una comunicazione fluida, dinamica e personalizzata tra istituto e cliente, che ne rafforza la relazione nel tempo. È inoltre importante sottolineare che la digitalizzazione del wealth management non investe solamente la user experience. Le tecnologie come l’IA consentono infatti di automatizzare molti dei processi operativi di banche e altri istituti finanziari: ciò, a sua volta, consente di ridurre il tempo necessario per l’esecuzione di operazioni come l’acquisizione e l’analisi di dati e la loro reportistica, così come quelle legate agli obblighi di compliance. In altre parole, **più tempo e risorse che gli operatori del wealth possono dedicare ai propri clienti**.
Come prevedete l’evoluzione dell’interazione tra tecnologia e wealth management?
Come spiegato precedentemente, la tecnologia non potrà mai sostituire il rapporto umano che si instaura tra consulente e cliente. Tuttavia, **se è vero che le nuove generazioni di HNW tendono a confrontarsi più frequentemente coi propri consulenti rispetto a quelle precedenti, è altrettanto vero che sono molto più esigenti rispetto alla qualità del servizio**. E dal momento che la tecnologia è oramai una componente fondamentale delle nostre vite, **tanto i consulenti quanto gli istituti finanziari dovranno investire affinché le proprie competenze e servizi siano totalmente complementari e in sincronia rispetto agli strumenti tecnologici utilizzati dai loro clienti**.
La digitalizzazione del wealth management non investe solamente la user experience. Le tecnologie come l’IA consentono infatti di automatizzare molti dei processi operativi di banche e altri istituti finanziari: ciò, a sua volta, consente di ridurre il tempo necessario per l’esecuzione di operazioni come l’acquisizione e l’analisi di dati e la loro reportistica, così come quelle legate agli obblighi di compliance. In altre parole, più tempo e risorse che gli operatori del wealth possono dedicare ai propri clienti.
[](https://www.linkedin.com/in/max-renzulli/)### Max Renzulli
Market Solution Director Wealth e Asset Management Objectway
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Article
**Tags:** #ai, #assetmanagement, #customerexperience, #fintech, #outsourcing, #wealth-management-trends
---
### [Ramsey Crookall chooses Objectway as a strategic partner for digital transformation and market expansion](https://objectway.com/ramsey-crookall-chooses-objectway-as-a-strategic-partner-for-digital-transformation-and-market-expansion/)
**Published:** May 16, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Ramsey Crookall maximises its partnership with Objectway to grow and digitise its business, scaling up operational efficiency, service offering and CX.
**Content:**
[](/news/)
View all News
# Ramsey Crookall chooses Objectway as a strategic partner for digital transformation and market expansion
16th May 2024 – Objectway, global Top100 FinTech provider of as-a-service software and services to banks, wealth and asset managers, has been working with Ramsey Crookall to progressively support the firm’s organic business growth and expansion into other areas of the market over recent years.
The independent investment firm has maximised its long-standing partnership with Objectway to grow and digitise its business, scaling up operational efficiency, service offering and client experience.
Ramsey Crookall is the Isle of Man’s longest established independent stockbroking and award-winning investment firm, providing a full range of bespoke stockbroking and wealth management services to private and institutional clients, trusts and pension funds predominantly in the UK, the Isle of Man and South Africa.
Its partnership with Objectway has enabled Ramsey Crookall to evolve from a traditional values stockbroker to a progressive, digitally-enabled multi-service investment management firm. This evolution has been supported by Objectway’s modular solution providing the firm with a scalable front-to-back technology platform.
This long-term strategic collaboration began with the provision of Objectway’s Investment Administration, enabling the firm to streamline and manage the core back-office operations more efficiently, whilst freeing up resources to deliver scale and enabling them to differentiate their business in the market.
In the second phase, Objectway’s Portfolio Management enhanced the firm’s ability to deliver efficient management and execution of their investment strategy for their Investment Managers and Dealers.
In a third phase, Objectway integrated these capabilities with the new client portal to enable an omni-channel and streamlined digital investment experience for Ramsey’s clients. This improved client visibility and significantly digitalised their client touch points without losing the personal touch that their business has so successfully built throughout its long history.
The current phase is to introduce enhanced capabilities for client lifecycle management, a more efficient client onboarding process and client Apps to provide clients with the choice for even greater flexibility and digital interaction, by deploying Objectway’s Client Management solutions.
As a trusted family business offering a bespoke service, we’re constantly evolving to meet our clients’ needs and expectations. As such, we wanted to rely on a partner who shared the same future-focused vision, who could enable a steady technology evolution for the business. Our long-standing relationship with Objectway has enabled us to expand our services seamlessly into new territories, such as South Africa and to develop new services, such as, our discretionary model service aimed at the next generation of investors and our trading/custody services for professional clients. Over the years we have valued their ability to support our business differentiation and expansion at a pace that suited us.
[](https://www.linkedin.com/company/ramsey-crookall/)### Joanna Crookall
CEO at Ramsey Crookall
We’re proud to have been partnering with Ramsey Crookall for so many years and contributing to their success. By moving entirely to our SaaS solution, we’ve been able to meet their objectives for efficiency, cost effectiveness, scalability and timely delivery. Ramsey Crookall appreciated the value and benefits of a fully integrated, fully managed and digitally enabled solution from a single, trusted partner. We look forward to delivering value to their business for many years to come.
[](https://www.linkedin.com/in/sandrocassar/)### Dr. Alexander Cassar
CEO UK at Objectway
## Related
[All](#)[\#compeer](#)[\#customerexperience](#)[\#financialservices](#)[\#markettrends](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Press Release
**Tags:** #customerexperience, #digital-change, #digital-transformation, #investmentmanagement, #oneobjectway
---
### [Objectway is Silver Partner of 2nd Digital Wealth Management Community Event by CeTIF16th May 2024](https://objectway.com/objectway-is-silver-partner-of-2nd-digital-wealth-management-community-event-by-cetif/)
**Published:** May 12, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway partners with CeTIF for the 2nd Digital Wealth Management Community Event dedicated to the role of AI, Digitalisation and WealthTech for businesses.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway is Silver Partner of 2nd Digital Wealth Management Community Event by CeTIF
16th May 2024 – Objectway partners with CeTIF for the 2nd Digital Wealth Management Hub Community Event dedicated to the role of AI, Digitalisation and WealthTech for businesses.
## Agenda
16th May 2024
10:00 – 13:00
2nd Digital Wealth Management Hub – AI, Digital Asset and WealthTech
The mission of CeTIF is to accelerate and foster the evolution of the financial sector and its international competitive ability through the levers of innovation, digitization and business sustainability.
Objectway, as Silver Partner of the event, embraces the values of CeTIF Community based on the evolution of business and governance through technology, regulation and innovation capacity and works to deliver superior performance with a complete, modular solution including algorithm-based investing strategies, automation of back-office operations and enhancement of client experience.
The Community Events organized by CeTIF are more than just a meeting: keynote speakers and industry experts have the chance to get updated and develop valuable relationships to seize the ever-evolving streams that are shaping financial, banking and insurance ecosystems.
During this appointment, participants will address the following themes:
- AI and data for new business models
- Digital Assets Evolution
- Future Outlooks in WealthTech
## Event Information
16th May 2024
To find out more, **[click here!](https://eng.cetif.it/event/community-event/ai-digital-asset-and-wealth-tech)**
## Related
[All](#)[\#digital-change](#)[\#digital-transformation](#)[\#wealth-management](#)[\#wealthtech](#)
[„Deutschland ist noch etwas altmodisch unterwegs“](https://objectway.com/abn-amro-und-hauck-aufhauser-lampe-fusionieren-zur-drittgrosten-privatbank-deutschlands/)[Article](https://objectway.com/category/article-genitore/article-glo/)### „Deutschland ist noch etwas altmodisch unterwegs“
4 August 2026
[Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen](https://objectway.com/skalierungslucke-warum-ki-investitionen-an-der-kundenschnittstelle-verpuffen/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen
4 August 2026
[OWIN26: as-a-service e AI per trasformare la complessità in efficienza](https://objectway.com/owin26-as-a-service-e-ai-per-trasformare-la-complessita-in-efficienza/)[Article](https://objectway.com/category/article-genitore/article-glo/)### OWIN26: as-a-service e AI per trasformare la complessità in efficienza
8 July 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Event
**Tags:** #digitaltransformation, #investmentmanagers, #wealth-management
---
### [Objectway is warming up for Salone del Risparmio 2024: Register Now!9th - 11th April 2024](https://objectway.com/objectway-attends-the-next-salone-del-risparmio-edition-in-milan-april-2024/)
**Published:** April 7, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway is delighted to announce its participation to the Salone del Risparmio, the industry event that allows to discover asset management’s future trends.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway is warming up for Salone del Risparmio 2024: Register Now!
9th – 11th April 2024 – Objectway is pleased to invite you to next Salone del Risparmio Edition, the unmissable and biggest European event dedicated to the Asset Management Industry to delve into its current developments and future shifts globally.
**[Click here](https://www.salonedelrisparmio.com/programma/89239)** to fill in your registration and come visit us, spots are limited!
Should you have any questions, do not hesitate to contact us!
Yes, I want to receive updates about Objectway events. I have read and agree with the [Privacy Policy & Terms of Use](/privacy/)Your brand company
Objectway a SdR2024: Esperienza, Digitalizzazione e Competenza per il mondo Alternative
Gianbattista Geroldi, CEO Objectway Italia e Paolo Bonacina, BPO Service Operation Director Objectway, discutono dei nuovi orizzonti verso cui Objectway si sta muovendo in qualità di leader del settore FinTech.
## Agenda
Wednesday, 10th April 2024
15:30 – 16:30
Sala Amber 4, 2nd Floor
FIA 3x Leverage: Experience, Digitalisation and Expertise as levers for Real Economy
[Paola Sacerdote, Advisor Journalist](https://www.linkedin.com/in/paola-sacerdote-212b5764/)
[Paolo Bonacina, Objectway BPO Service Operation Director](https://www.linkedin.com/in/paolo-bonacina-b7940541/)
[Simone Cremonini, Alkemia Managing Director & Partner](https://www.linkedin.com/in/cremonini/)
[Alessandro Di Michele, Managing Partner, GM & CFO Green Arrow Capital](https://www.linkedin.com/in/dimichelea/)
[Francesca Maderi, Tages Capital SGR Chief Operating Officer](https://www.linkedin.com/in/francesca-maderi-a9662aa5/)
[Claudio Nardone, Sagitta SGR CEO](https://www.linkedin.com/in/claudio-nardone-2327b83/)
Objectway will be **sponsor at the Salone del Risparmio 2024** edition and on the second day of the event, we will host a roundtable that could be followed live or in streaming with the FR|Vision platform.
Today, the Alternative Investments Funds represent a steadily growing market share, ready to play a pivotal role in propelling the Real Economy in the near future.
Considering this framework, it is paramount to have end-to-end, scalable and digitised solutions in partnership with experienced providers and able to assess the impacts of new regulations, thereby assuring reliability and innovation. In addition to this, to increase flexibility and efficiency, processes optimisation need to be ensured, even through outsourcing services.
User-friendly and tailor-made solutions, adaptability, know-how improvement and time-to-market fulfil the set of key factors for success.
So, investment decisions related to asset class, e.g. NewCo, Small Companies, Start Up, Real Estate, Debt, are still undergoing new evolving strands under the influence of new business requirements, new regulations (ELTIF II) and restrictions imposed by ESG criteria. How will this impact different business lines in the long term?
Reserve your place now and come visit us to gain valuable insights on how Objectway is gearing up for handling current and future challenges.
**[Register here!](https://www.salonedelrisparmio.com/programma/89239)**
## Event Information
9th – 11th April 2024, MiCo South Wing – Allianz MiCo, Milano Convention Centre, Gate 2, V.le Eginardo, 20149 Milan
## Speakers
Paola Sacerdote
Paola is a journalist, and she has been working within Advisor from 2020. She contributes to the publishing of articles and interviews both for Advisor monthly magazine and Advisor Private twice-monthly magazine. Specialised in Financial Services News, she has collaborated with several newspapers, coordinating editorial projects. She holds a Master’s Degree in Political Sciences & International History from University of Milan.
Paolo Bonacina
Paolo is Objectway BPO Service Operation Director. A longtime player in the asset management industry, Paolo is in charge of the supervisory reporting office which handles supervisory reporting for all BPO clients and external clients who refer to them for regulatory reporting activities. After a 17-years work experience in the System Information Industry, he has decided to take the responsibility for FIA’s Fund Administration Segment and FIA’s Corporate Accounting, including SGR, SIM and Companies. Paolo coordinates the activities of a teamwork made by 50 people and he is the contact person for customers on both organisational issues and continuous improvement of software and management processes.
Simone Cremonini
Simone is Alkemia SGR Partner & Managing Director. Prior to join Alkemia, he held the role of General Manager for DOING, the largest independent digital consultancy agency in Italy. Since 2020, he has started and ha has co-managed one of the most active Italian Venture Capital Funds (Sinergia Venture Fund) and, more recently, a PIPE (Private Investments In Public Equity) Fund, both focused on the development of innovative technologies within different companies. Over the years, he has been in top positions within MTV Networks, Telecom Italia, TXT eSolutions and Publicis.
Alessandro Di Michele
Alessandro has become Green Arrow Capital CEO in 2013. He has started his professional career in London as Consultant for Deloitte Consulting and Braxton Associates. In 2008 he has been appointed Executive Director of London Stock Exchange Group, where he worked as CFO and then as Board Member of all Italian subsidiaries as well as Chairman of GlobeSettle, a London Stock Exchange Group company active in the post trade sector in Luxembourg. He holds a Master’s Degree in Political Economy from Glasgow University and a Post-Degree Master in Micro-Economy from Cambridge University.
Francesca Maderi
Francesca has joined Tages Group in 2011 and today she is Tages Capital SGR Chief Operating Officer. She has started her career path more than 20 years ago within the Organisation Department of Banca Intesa SpA. In 2007 she has become Banca Leonardo Group Head of Organisational Department. She has Has acquired significant experience in setting up and implementing organisational and control structures, related to the provision of financial statements and accounting documentation for banks, SGRs and investment funds. Francesca holds a Master’s Degree in Business Economics from Università Commerciale Bocconi in Milan.
Claudio Nardone
Claudio is currently Sagitta SGR CEO. Prior to join the Europa Investimenti Group in 2011, Claudio has been Investment Banking Director at Banca MB, Director of Meliorbanca Group’s Private Equity Activities (Star Venture Fund I and MeliorequityFund) in Meliorbanca Asset Management SGR, and Director of Gallo & C. S.p.A. He holds a Business Economics Master’s Degree from Bocconi University in Milan.
## Related
[All](#)[\#about-objectway](#)[\#innovation](#)[\#sdr23](#)[\#sustainability](#)
[Objectway wins eighth consecutive Goodacre Award for Best Wealth Management System](https://objectway.com/objectway-wins-eighth-consecutive-goodacre-award-for-best-wealth-management-system/)[Awards](https://objectway.com/category/article-genitore/awards-glo/)### Objectway wins eighth consecutive Goodacre Award for Best Wealth Management System
11 June 2026
[Leaders in Finance – Wealth Management Lunch23rd January 2026](https://objectway.com/leaders-in-finance-wealth-management-lunch/)[Event](https://objectway.com/category/event-glo/)### Leaders in Finance – Wealth Management Lunch23rd January 2026
20 January 2026
[Objectway recognised again for enabling digital transformation and resilience in financial services](https://objectway.com/objectway-recognised-again-for-enabling-digital-transformation-and-resilience-in-financial-services/)[Awards](https://objectway.com/category/article-genitore/awards-glo/)### Objectway recognised again for enabling digital transformation and resilience in financial services
8 July 2025
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Event
**Tags:** #ai, #assetmanagement, #automation, #digitaltransformation, #fia, #fundadministration, #investmentmanagers, #salonedelrisparmio
---
### [Objectway Group lands in Canada for MFIT FinTech Speaker Series 20246th May 2024](https://objectway.com/objectway-group-lands-in-canada-for-the-mfit-fintech-speaker-series-2024/)
**Published:** May 2, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway invites you at next FinTech Speaker Series Event by Smith School of Business. Register now and uncover the future of Canadian FinTech ecosystem.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway Group lands in Canada for MFIT FinTech Speaker Series 2024
6th May 2024 – Nest Wealth, as part of Objectway Group since January 2024, is pleased to invite you at next FinTech Speaker Series Event organized by Smith School of Business. Seize the chance to meet up with us and discover more about current and future shifts that are shaping the Canadian FinTech ecosystem.
## Agenda
6th May 2024
6:00 PM (ET)
The State of FinTech: Now & Into the Future
Randy Cass, CEO Canada Objectway Group
In the aftermath of our recent acquisition of Nest Wealth, Objectway is thrilled to pursue its strategy to become the trusted end-to-end global partner for the wealth management industry by attending this event.
The panel discussion **“The State of FinTech: Now & Into the Future”** will examine the influence of macro-economic forces – such as fiscal & monetary policies, geopolitical shifts, demographic changes, and fluctuations in productivity, focusing on how these factors are reshaping investment landscapes and what they spell for the future growth and proliferation of financial technologies.
During the roundtable, **Randy Cass, CEO Canada Objectway Group**, will guide us through these complex analyses and chart a course of navigating FinTech’s challenges towards sustainable growth and expansion.
## Event Information
Monday 6th May 2024, Smith School of Business at Queen’s University, SmithToronto, 200 Front St West, 30th floor
To get more information and to register, **[follow this link!](https://smith.queensu.ca/events/mfit-panel/)**
We’re looking forward to meeting you in Toronto!
## Speakers
Randy Cass
Randy is an experienced Chief Executive Officer with a demonstrated history of working in the financial services industry. He is skilled in entrepreneurship, FinTech, securities, and asset management. Randy is the Founder, CEO, and Portfolio Manager at Nest Wealth and in January he has been appointed CEO Canada Objectway Group. Randy completed an MBA from Ivey Business School at Western University, an LLB from the University of Toronto, and an HBA from Western University.
## Related
[All](#)[\#financial-planning](#)[\#financialservices](#)[\#oneobjectway](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
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**Categories:** Event
**Tags:** #finance, #financial-planning, #financialservices, #fintech, #wealth-management
---
### [Kinsted Wealth selects Objectway for enhanced and fully integrated client and investment management platform to drive growth](https://objectway.com/kinsted-wealth-selects-objectway-for-enhanced-and-fully-integrated-client-and-investment-management-platform-to-drive-growth/)
**Published:** April 18, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Kinsted Wealth has chosen Objectway to expand its business in Canada by streamlining processes and integrating capabilities into a single platform.
**Content:**
[](/news/)
View all News
# Kinsted Wealth selects Objectway for enhanced and fully integrated client and investment management platform to drive growth
18th April 2024 – Objectway, global Top100 FinTech provider of as-a-service software and services to banks, wealth and asset managers, has partnered with Kinsted Wealth, a Calgary (CAN) based independent wealth manager serving private individuals and institutional investors. Objectway will help Kinsted Wealth manage their business in a fully integrated and centralised manner, ultimately accelerating the growth of its discretionary business and external advisor network.
Kinsted Wealth has chosen Objectway to expand its business in Canada by streamlining processes and integrating capabilities into a single platform for digital front-end and investment management.
This new client partnership follows the recent addition of leading digital wealth solutions provider Nest Wealth to Objectway, building on the momentum of the Group’s active expansion and operational capability in Canada.
Objectway’s digital front-end will deliver improved client experience for Kinsted Wealth by providing investors with omnichannel interaction, client engagement and front-office productivity, supported by an online portal and mobile apps for investors.
This solution will enable Kinsted Wealth to improve client experience with a 360° client view and a platform that automates information delivery and provides actionable insights.
By relying on Objectway’s investment management solutions, Kinsted Wealth will be able to centrally manage client portfolios and their internal pool funds for their discretionary business.
Objectway’s discretionary portfolio management will enable straight-through processing for real-time order execution, continuous and automated monitoring of portfolio compliance at all levels, and mass rebalancing of funds and client accounts for Kinsted’s more than $1 billion in assets under management.
Objectway’s solutions will also provide unified and centralised data management and storage, including the migration of historical performance trends. The entire platform will be hosted on Objectway’s Canadian private cloud data center.
In order to deliver bespoke wealth management through our transparent and highly personalized discretionary wealth management services, we needed to focus on our core business, whilst relying on a fully integrated client and investment management solution from a trusted partner. Objectway demonstrated they had the right capabilities, data security, market knowledge and experience to support our business growth.
[](https://www.linkedin.com/in/adam-payne-cfa/)### Adam Payne
Adam Payne, President & CCO at Kinsted Wealth
We are delighted to have been selected by Kinsted Wealth to enable them to scale their business while optimizing and streamlining their operational model through integrated client and investment management solutions that can be easily integrated with their existing business ecosystem, including clients, external advisors and custodians.
[](https://www.linkedin.com/in/kurtvanhee/)### Kurt Vanhee
Managing Director Continental Europe and North America at Objectway
## Related
[All](#)[\#compeer](#)[\#customerexperience](#)[\#financialservices](#)[\#markettrends](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Press Release
**Tags:** #cloud, #customerexperience, #investmentmanagement, #oneobjectway
---
### [Objectway is Platinum Sponsor of Codemotion, the European Tech Community18th - 19th October 2022](https://objectway.com/objectway-is-platinum-sponsor-of-codemotion-the-european-tech-community/)
**Published:** October 16, 2022
**Author:** Lorenzo Noventa
**Excerpt:** Objectway attends the Codemotion Conference 2022 Edition dedicated to Software Development future trends and challenges.
**Content:**
[](/news/)
Back to HR events
# Objectway is Platinum Sponsor of Codemotion, the European Tech Community
18th – 19th October 2022 – The Codemotion Conference is a must-attend gathering for savvy devs and IT professionals craving for insights on the latest technologies, inspirational talks, and hands-on activities. Seize the opportunity: visit us at our booth and discover Objectway Open Job Positions!
## Agenda
18th October 2022
4:45 – 5:30 PM CEST
Envisioning a Front – End Application Framework in a CI/CD ecosystem
Renato Perini, DevOps Architect at Objectway Group
Francesco Guadagno, Delivery Master and Front-End Architect at Objectway Group
Objectway attends the **Codemotion Conference 2022 Edition** dedicated to Software Development future trends and challenges. Our colleagues will host an insightful speech to deepen a real showcase of heterogeneous enterprise web application development where **CI/CD finally becomes sustainable**.
They will explore the entire lifecycle of an application, from processes to tools, with special attention to the development of an **Angular-based frontend Application Framework** to facilitate the production of widgets and micro applications coming by distributed teams.
At the end, they will close the journey showing a complete Build and Delivery management in a totally integrated way, always under control using **Kubernetes paradigms**.
Find out today if Objectway is the right workplace for you: [apply now!](https://objectway.com/careers-open-job-positions/)
## Event Information
18th – 19th October 2022, East End Studios, via Mecenate 84/10, 20138 – Milan
We’re looking forward to meet you in Milan!
## Speakers
Renato Perini
Renato works as a DevOps Architect at Objectway, building the infrastructure and the automations that enable teams to build and deploy the software faster and more efficiently. He’s in a constant seek for new tools and techniques trying to leverage the advantages of a cloud native world in a constant evolution.
Francesco Guadagno
Francesco works as Front-End Architect at Objectway, defining sustainable architectures that he likes to consider “future-proof”. He has a strong passion for code and process quality; as Delivery Master, he is responsible of the front-end delivery, defining pattern and practices for distributed teams across multiple countries.
## Related
[All](#)[\#digital-change](#)[\#digital-transformation](#)[\#wealth-management](#)[\#wealthtech](#)
[„Deutschland ist noch etwas altmodisch unterwegs“](https://objectway.com/abn-amro-und-hauck-aufhauser-lampe-fusionieren-zur-drittgrosten-privatbank-deutschlands/)[Article](https://objectway.com/category/article-genitore/article-glo/)### „Deutschland ist noch etwas altmodisch unterwegs“
4 August 2026
[Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen](https://objectway.com/skalierungslucke-warum-ki-investitionen-an-der-kundenschnittstelle-verpuffen/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen
4 August 2026
[OWIN26: as-a-service e AI per trasformare la complessità in efficienza](https://objectway.com/owin26-as-a-service-e-ai-per-trasformare-la-complessita-in-efficienza/)[Article](https://objectway.com/category/article-genitore/article-glo/)### OWIN26: as-a-service e AI per trasformare la complessità in efficienza
8 July 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** HR Events
**Tags:** #digitaltransformation, #softwaredevelopment, #technology, GLO
---
### [Job Meeting Bari 2022: get ready to meet Objectway11th October 2022](https://objectway.com/job-meeting-bari-2022-get-ready-to-meet-objectway/)
**Published:** October 9, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway's journey to discover new talents will stop at the Politecnico of Bari for the 2022 Job Meeting: come and visit us!
**Content:**
[](/news/)
Back to HR events
# Job Meeting Bari 2022: get ready to meet Objectway
11th October 2022 – Objectway’s journey to discover new talents will stop at the Politecnico of Bari for the 2022 Job Meeting: we’re looking forward to meet you there!
## Agenda
11th October 2022
9:00 AM – 5:00 PM CEST
Job Meeting – Politecnico di Bari
Elenia Grilli, HR Specialist Business Partners ITO, Objectway Group
Melania Grandati, HR Specialist Business Partners UKO & BE, Objectway Group
Objectway is ready to meet students, graduates and young workers for the Job Meeting organised by **Cesop – HR Consulting Company in Bari**.
Come and visit us and seize the moment for meeting our HR Team: they will be ready to introduce you to our company, provide you with all the information you need and submit a quiz to **find out if Objectway is the right company for you**. This would be an unmissable event for:
- Drop off your CV
- Apply to the Open Job Opportunities
- Meet recruiters
- Book your interviews soon after the event
Register now to reserve your place at the event and be ready for **diving into the Objectway business**. Grab your CV and visit us at our booth: we will be happy to engage with you and enhance your skills!
## Event Information
11th October 2023, Politecnico di Bari, Via Edoardo Orabona, 4, Bari, Italy
We’re looking forward to meet you in Bari!
## Related
[All](#)[\#digital-change](#)[\#digital-transformation](#)[\#wealth-management](#)[\#wealthtech](#)
[„Deutschland ist noch etwas altmodisch unterwegs“](https://objectway.com/abn-amro-und-hauck-aufhauser-lampe-fusionieren-zur-drittgrosten-privatbank-deutschlands/)[Article](https://objectway.com/category/article-genitore/article-glo/)### „Deutschland ist noch etwas altmodisch unterwegs“
4 August 2026
[Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen](https://objectway.com/skalierungslucke-warum-ki-investitionen-an-der-kundenschnittstelle-verpuffen/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen
4 August 2026
[OWIN26: as-a-service e AI per trasformare la complessità in efficienza](https://objectway.com/owin26-as-a-service-e-ai-per-trasformare-la-complessita-in-efficienza/)[Article](https://objectway.com/category/article-genitore/article-glo/)### OWIN26: as-a-service e AI per trasformare la complessità in efficienza
8 July 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
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**Categories:** HR Events
**Tags:** #digitaltransformation, #softwaredevelopment, #technology, GLO
---
### [Objectway at Job Fair 2022 in Naples13th October 2022](https://objectway.com/objectway-at-job-fair-2022-in-naples/)
**Published:** October 10, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Università degli Studi di Napoli Federico II will host the Job Fair 2022: come and visit us at our booth!
**Content:**
[](/news/)
Back to HR events
# Objectway at Job Fair 2022 in Naples
13th October 2022 – Università degli Studi di Napoli Federico II will host the Job Fair 2022, a Career Day dedicated to new graduates and young workers. Join us and discover Objectway Job Opportunities in the microservices and front-end technologies fields.
## Agenda
13th October 2022
9:00 AM – 5:00 PM CEST
Job Fair 2022 – Università Federico II di Napoli
Elenia Grilli, HR Specialist Business Partners ITO, Objectway Group
Melania Grandati, HR Specialist Business Partners UKO & BE, Objectway Group
Our quest for new talents never ends: the **Job Fair 2022** is a new opportunity for you to discover our Job Opportunities and delve into our business reality. Our company offers internship paths designed for those approaching the employment world, with a focus on the **software development sector**, thanks to the different technologies used by our experts (Java, Pattern J2EE, NoSql).
We strongly believe in the value of building **one meaningful community together**. Whether you are a student, a graduate, or an experienced professional, we look forward to getting to know you!
Grab your CV and visit us at our booth: we will be happy to engage with you and enhance your skills!
## Event Information
13th October 2023, Campus di San Giovanni a Teoduccio, 70, Corso Protopisani, Naples, Italy
We’re looking forward to meet you in Naples!
## Related
[All](#)[\#digital-change](#)[\#digital-transformation](#)[\#wealth-management](#)[\#wealthtech](#)
[„Deutschland ist noch etwas altmodisch unterwegs“](https://objectway.com/abn-amro-und-hauck-aufhauser-lampe-fusionieren-zur-drittgrosten-privatbank-deutschlands/)[Article](https://objectway.com/category/article-genitore/article-glo/)### „Deutschland ist noch etwas altmodisch unterwegs“
4 August 2026
[Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen](https://objectway.com/skalierungslucke-warum-ki-investitionen-an-der-kundenschnittstelle-verpuffen/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen
4 August 2026
[OWIN26: as-a-service e AI per trasformare la complessità in efficienza](https://objectway.com/owin26-as-a-service-e-ai-per-trasformare-la-complessita-in-efficienza/)[Article](https://objectway.com/category/article-genitore/article-glo/)### OWIN26: as-a-service e AI per trasformare la complessità in efficienza
8 July 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
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**Categories:** HR Events
**Tags:** #digitaltransformation, #softwaredevelopment, #technology, GLO
---
### [Objectway partners with Politecnico di Milano to delve into the advisory role in technological innovation26th September 2023](https://objectway.com/objectway-partners-with-politecnico-di-milano-to-delve-into-the-advisory-role-in-the-technological-innovation/)
**Published:** September 18, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Within the Career Service Award sponsored by Politecnico di Milano, Objectway will take part to a conference dedicated to the world of advisory. Register now!
**Content:**
[](/news/)
Back to HR events
# Objectway partners with Politecnico di Milano to delve into the advisory role in technological innovation
26th September 2023 – Within the Career Service Award sponsored by Politecnico di Milano, Objectway will take part to a conference dedicated to the world of advisory. Register now!
## Agenda
26th September 2023
11:00 AM – 1:00 PM CEST
What is the role of advisory services in technological innovation? Have a talk with managers!
Michele Tanzi, Market Solution Director, Objectway Group
In this conference hosted by Objectway, you will have the chance to deepen **what is today the advisor’s role** to drive companies towards new business technologies to better improve their operations.
Considering a constant evolving and **dynamic international economic ecosystem**, the enterprises are called to face change, but they need to pinpoint the **most suitable approach** for staying competitive and for strengthening a long-term strategic vision.
Industry experts and keynote speakers will focus on real case studies to reveal how to:
- Identify goals
- Handle change
- Define capabilities to make technological innovation effective
**[Find out more here](https://www.careerservice.polimi.it/it-IT/Meetings/Home/Index/?eventId=32901)** and join us!
The event is addressed to Politecnico di Milano students and graduates only.
## Event Information
26th September 2023, Career Lab Leonardo – Campus Leonardo, Edificio 2, Via Bonardi 2 Milano
We’re looking forward to meet you in Milan!
## Speakers
Michele Tanzi
Graduated in Computer Science at the University of Bari, he immediately specialized in the analysis and design of software systems for finance and online trading. In 2003 he joined Objectway, where he immediately realized an innovative and complex private wealth management project. Today he is Market Solutions Director and he leads the development of Objectway Wealth Management solutions and provides support to customers for the products’ implementation.
## Related
[All](#)[\#about-objectway](#)[\#digital-change](#)[\#digital-transformation](#)[\#wealth-management](#)
[Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen](https://objectway.com/skalierungslucke-warum-ki-investitionen-an-der-kundenschnittstelle-verpuffen/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen
4 August 2026
[OWIN26: as-a-service e AI per trasformare la complessità in efficienza](https://objectway.com/owin26-as-a-service-e-ai-per-trasformare-la-complessita-in-efficienza/)[Article](https://objectway.com/category/article-genitore/article-glo/)### OWIN26: as-a-service e AI per trasformare la complessità in efficienza
8 July 2026
[Intelligenza artificiale e wealth management: la sfida è trasformare l’innovazione in valore](https://objectway.com/intelligenza-artificiale-wealth-management-trasformare-innovazione-valore/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Intelligenza artificiale e wealth management: la sfida è trasformare l’innovazione in valore
3 July 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
Yes, I want to receive updates about Objectway events and products. I have read and agree with the [Privacy Policy & Terms of Use]()
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**Categories:** HR Events
**Tags:** #digitaltransformation, #softwaredevelopment, #technology, GLO
---
### [Objectway è partner di Cesop HR Consulting per la prossima edizione del Job Meeting di Bari12 Ottobre 2023](https://objectway.com/objectway-attends-job-meeting-2023-organised-by-cesop-at-politecnico-of-bari/)
**Published:** October 10, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway's journey to discover new talents will stop at the Politecnico of Bari for the 2023 Job Meeting: come and visit us!
**Content:**
[](/news/)
Back to HR events
# Objectway è partner di Cesop HR Consulting per la prossima edizione del Job Meeting di Bari
12 Ottobre 2023 – Per il secondo anno consecutivo, Objectway partecipa al Job Meeting che si terrà presso il Politecnico di Bari. Non perdere l’occasione: vieni a trovarci e scopri le tue prossime opportunità di lavoro!
## Grazie per aver partecipato!
Durante il Job Meeting Network di Bari il nostro Team HR ha avuto il piacere di incontrare tanti studenti e neolaureati del Politecnico per illustrare loro le opportunità di carriera offerte da Objectway. Continua a seguirci!
[JOB OPPORTUNITIES](/careers-open-job-positions/)[OUR CULTURE](/our-culture/)
## Agenda
Giovedì 12 Ottobre 2023 | 9:30 – 16:30
Job Meeting 2023 – Politecnico di Bari
Sara Avola, HR Specialist Business Partners ITO, Objectway Group
Valeria Fellin, HR Generalist Business Partners UKO & BE, Objectway Group
Il Job Meeting è l’opportunità giusta per entrare direttamente in contatto con le grandi aziende e scoprire quali sono i differenti percorsi lavorativi messi a disposizione.
Rendi efficace il curriculum e preparati ad incontrare i nostri referenti aziendali per dei colloqui one-to-one dove potrai approfondire la nostra cultura aziendale, i nostri valori e le opportunità di stage e lavoro a cui potrai accedere.
**[Iscriviti ora](https://www.jobmeeting.it/eventi/job-meeting-bari/?code=6966)** e visita subito il nostro stand virtuale: Objectway è una realtà internazionale che si posiziona nella classifica delle Top 100 Global Fintech in Europa da più di 5 anni consecutivi. Crediamo fermamente nel valore delle nostre persone: inclusione, diversità e innovazione sono i pilastri che guidano la nostra crescita.
**[Clicca qui per consultare le nostre posizioni aperte](https://objectway.com/careers-open-job-positions/)** e candidati ora: il tuo viaggio inizia qui!
## Informazioni Utili
12 Ottobre 2023, Politecnico di Bari, Via Edoardo Orabona, 4, Bari
## Segna l’appuntamento in agenda e vieni a trovarci!
Sara Avola
Appassionata di psicologia del lavoro e sviluppo organizzativo, dopo la conclusione degli studi universitari Sara ha ottenuto l’abilitazione all’esercizio della professione come psicologa del lavoro. A seguito di alcune esperienze professionali in Kyndryl e Randstad, a marzo 2023 Sara è entrata a far parte del Team HR di Objectway come HR Specialist.
Valeria Fellin
Valeria fa parte del Team HR Business Partners Objectway che si occupa della parte UK e Belgio, oltre che di due business unit del Gruppo OW di Milano e Bari. Dopo aver conseguito il Master in HR Business Management presso la 24Ore Business School, Valeria ha assunto prima il ruolo di HR Generalist e poi quello di HR Specialist a partire da luglio 2023.
## Related
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[„Deutschland ist noch etwas altmodisch unterwegs“](https://objectway.com/abn-amro-und-hauck-aufhauser-lampe-fusionieren-zur-drittgrosten-privatbank-deutschlands/)[Article](https://objectway.com/category/article-genitore/article-glo/)### „Deutschland ist noch etwas altmodisch unterwegs“
4 August 2026
[Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen](https://objectway.com/skalierungslucke-warum-ki-investitionen-an-der-kundenschnittstelle-verpuffen/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen
4 August 2026
[OWIN26: as-a-service e AI per trasformare la complessità in efficienza](https://objectway.com/owin26-as-a-service-e-ai-per-trasformare-la-complessita-in-efficienza/)[Article](https://objectway.com/category/article-genitore/article-glo/)### OWIN26: as-a-service e AI per trasformare la complessità in efficienza
8 July 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
Yes, I want to receive updates about Objectway events and products. I have read and agree with the [Privacy Policy & Terms of Use]()
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**Categories:** HR Events
**Tags:** #digitaltransformation, #softwaredevelopment, #technology, GLO
---
### [Join Objectway at Career Day Cattolica Milano 202317th October 2023](https://objectway.com/join-objectway-at-career-day-cattolica-milano-2023/)
**Published:** October 15, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will attend the Career Day organized by Università Cattolica del Sacro Cuore di Milano for meeting students and graduates and exploring job opportunities.
**Content:**
[](/news/)
Back to HR events
# Join Objectway at Career Day Cattolica Milano 2023
17th October 2023 – Objectway will attend the Career Day organized by Università Cattolica del Sacro Cuore di Milano for meeting students and graduates and exploring the open job opportunities.
## Thank you for attending!
Our HR Team was delighted to meet you and listen to your requests and aspirations for the future. Discover now the career and training paths offered by Objectway and keep following us!
[JOB OPPORTUNITIES](/careers-open-job-positions/)[OUR CULTURE](/our-culture/)
## Agenda
17th October 2023
9:00 AM – 5:00 PM CEST
Career Day Cattolica Milano 2023
Elenia Grilli, HR Specialist Business Partners ITO, Objectway Group
Melania Grandati, HR Generalist Business Partners UKO & BE, Objectway Group
Once again this year, **Università Cattolica del Sacro Cuore di Milano** will run the **Career Day** to allow students that want to start a professional career to meet outstanding international companies and their managers.
The event is a unique opportunity for networking, grow and discover new work perspectives. In Objectway we recognise **our best performance comes from our people**. Driven by a fast-forward thinking, we leverage on a **collaborative and cooperative workplace** where everyone is enhanced for its own talents.
**[Register now ](https://careerdaycattolica.valuepeople.it/r/career-day-cattolica-career-day-cattolica-milano-2023)** to secure your place at the event and don’t forget to drop off your CV!
**[Click here to discover our open job positions](https://objectway.com/careers-open-job-positions/)** and apply now: your journey with us starts here!
## Event Information
17th October 2023, Università Cattolica del Sacro Cuore di Milano, Largo A. Gemelli, 1, 20123 Milano
We’re looking forward to meet you in Milan!
## Related
[All](#)[\#digital-change](#)[\#digital-transformation](#)[\#wealth-management](#)[\#wealthtech](#)
[„Deutschland ist noch etwas altmodisch unterwegs“](https://objectway.com/abn-amro-und-hauck-aufhauser-lampe-fusionieren-zur-drittgrosten-privatbank-deutschlands/)[Article](https://objectway.com/category/article-genitore/article-glo/)### „Deutschland ist noch etwas altmodisch unterwegs“
4 August 2026
[Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen](https://objectway.com/skalierungslucke-warum-ki-investitionen-an-der-kundenschnittstelle-verpuffen/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen
4 August 2026
[OWIN26: as-a-service e AI per trasformare la complessità in efficienza](https://objectway.com/owin26-as-a-service-e-ai-per-trasformare-la-complessita-in-efficienza/)[Article](https://objectway.com/category/article-genitore/article-glo/)### OWIN26: as-a-service e AI per trasformare la complessità in efficienza
8 July 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
Yes, I want to receive updates about Objectway events and products. I have read and agree with the [Privacy Policy & Terms of Use]()
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**Categories:** HR Events
**Tags:** #digitaltransformation, #softwaredevelopment, #technology, GLO
---
### [For the second year in a row, Objectway is Platinum Sponsor of Codemotion Conference in Milan24th - 25th October 2023](https://objectway.com/for-the-second-year-in-a-row-objectway-is-platinum-sponsor-of-codemotion-conference-in-milan/)
**Published:** October 20, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway attends the Codemotion Conference 2023: boosting your knowledge with inspiring dev and tech masterminds. Come and visit us!
**Content:**
[](/news/)
Back to HR events
# For the second year in a row, Objectway is Platinum Sponsor of Codemotion Conference in Milan
24th – 25th October 2023 – Objectway is proud to sustain Codemotion Conference 2023 in Milan: a must-attend event for savvy devs and IT professionals. Meet the developers and get ready to immerse yourself into Codemotion Community! **[Click here](https://conferences.codemotion.com/milan2023-live/)** to proceed with your registration now!
## Thank you for attending!
We are thrilled to have shared our participation in Codemotion 2023 with you! Thank you for joined us and for seized this opportunity to learn more about Objectway. Bring your talent on board: your journey starts here! Discover our open job positions and apply now!
[JOB OPPORTUNITIES](/careers-open-job-positions/)[OUR CULTURE](/our-culture/)
## Agenda
25th October 2023
2:30pm – 3:15pm
Developers on a Mission: Navigating the Maze of Modern Customer Demands with Innovative Technologies?
[Francesco Formizzi, Delivery Master, Objectway Group](https://www.linkedin.com/in/francescoformizzi/)
[Antonio Incerti, Business Analyst, Objectway Group](https://www.linkedin.com/in/antonio-incerti-504514b9/)
Nowadays complex and unprecedented customer requirements are challenging even the most innovative developers: **quick massive data processing**, the **ability to “unlimitedly” scale quickly** and **fast integration between heterogeneous systems**. Software developed just a few years ago may no longer be adequate to meet the current market needs, necessitating an **adaptable and forward-thinking approach**.
In recent years, new paradigms and new technologies have empowered us to be responsive to the changes and requests of our customers. Our speech will focus on some crucial current topics:
- What are the benefits of a microservices architecture?
- How can Kubernetes ensure horizontal scalability of our systems?
- Can Apache Spark perform large-scale data analytics?
- How can we improve our software and promote their evolution through CI/CD?
By embracing modern technologies and adopting flexible approaches, we can bridge the gap between **demanding customer requirements and developers**, leading to innovative solutions and exceptional customer experiences. So, join this real time challenge, where we’ll showcase how technology and forward-thinking can conquer the demands of today’s market! We’ll delve into one of **our success stories**, demonstrating how the application of new technologies has made seemingly impossible customer requirements possible!
Find out today if Objectway is the right workplace for you: **[apply now!](https://objectway.com/careers-open-job-positions/)**
## Event Information
24th – 25th October 2023, Superstudio Via Tortona 27, Milan
We’re looking forward to meet you in Milan!
## Speakers
Francesco Formizzi
Francesco is senior software architect and full stack developer with a passion for microservices architecture, Agile and innovation. His carrier since 2008 has been constellation of successful mistakes and creations based on everything related to containers, clouds and distributed architectures. Today he’s still passionate about learning, adopting new technologies and bringing innovation to projects.
Antonio Incerti
Antonio works as Experienced Business Analyst at Objectway since 2022. With a rich background in finance and consulting, he’s the ultimate pivot point between business stakeholders and the development team – making sure they all play nice together! Throughout his career, he has supported the implementation of new technological solutions in financial institutions.
## Related
[All](#)[\#digital-change](#)[\#digital-transformation](#)[\#wealth-management](#)[\#wealthtech](#)
[„Deutschland ist noch etwas altmodisch unterwegs“](https://objectway.com/abn-amro-und-hauck-aufhauser-lampe-fusionieren-zur-drittgrosten-privatbank-deutschlands/)[Article](https://objectway.com/category/article-genitore/article-glo/)### „Deutschland ist noch etwas altmodisch unterwegs“
4 August 2026
[Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen](https://objectway.com/skalierungslucke-warum-ki-investitionen-an-der-kundenschnittstelle-verpuffen/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen
4 August 2026
[OWIN26: as-a-service e AI per trasformare la complessità in efficienza](https://objectway.com/owin26-as-a-service-e-ai-per-trasformare-la-complessita-in-efficienza/)[Article](https://objectway.com/category/article-genitore/article-glo/)### OWIN26: as-a-service e AI per trasformare la complessità in efficienza
8 July 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
Yes, I want to receive updates about Objectway events and products. I have read and agree with the [Privacy Policy & Terms of Use]()
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**Categories:** HR Events
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---
### [Objectway attends Devoxx Greece 2024 in Athens18th - 20th April 2024](https://objectway.com/objectway-attends-devoxx-greece-2024-in-athens/)
**Published:** April 17, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** The Devoxx Greece 2024 welcomes Objectway within its 3-days Conference where developers get together to explore latest technologies advancements.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway attends Devoxx Greece 2024 in Athens
18th – 20th April 2024 – The Devoxx Greece 2024 2nd Edition is ready to welcome Objectway within its 3-days Conference where the developers’ communities get together to explore latest technologies advancements with some of the most inspiring industry experts.
## Agenda
Friday, 19th April 2024
17:35 – 18:15
Plenty of Platforms – Lessons Learned
Michele Danieli, Objectway Solution Architecture and Technology Director Advisory
Gregor Hohpe, AWS Director of Enterprise Strategy
Jean-François Landreau, AWS Senior Solutions Architect
Objectway is delighted to take part at next Devoxx Greece 2024, the ultimate opportunity to delve into inspiring and thought-provoking keynotes speeches and sessions covering Artificial Intelligence future adoptions, Machine Learning and Programming Languages.
This session will be hosted by Michele Danieli, Objectway Solution Architecture and Technology Director Advisory and others eminent speakers to reflect on a decade of experience building and rolling out platforms in large organizations. We will look behind the buzzword to define technical platform characteristics and what’s required from an organization to truly benefit from those capabilities.
Complete your registration **[following this link](https://devoxx.gr/#tickets)** and don’t miss the chance to come and meet us!
## Event Information
18th – 20th April 2024, Megaron Athens International Conference Centre, Leoforos Vasilissis Sofias and, Kokkali 1, Athina 115 21 (Greece)
We’re looking forward to meeting you in Athens!
## Speakers
Michele Danieli
Michele is Objectway Solution Architecture and Technology Director Advisory for Wealth & Asset Management in Italy. After starting his career in a garage building planning software for telcos, he held technical and managerial roles at Allianz Technology, UnipolSai and IBM and worked as senior advisor for FIS markets at Imola Informatica.
Gregor Hohpe
As Director of Enterprise Strategy at AWS, Gregor helps technology leaders transform both their organization and their technology platform. Before joining AWS, Gregor has served as Smart Nation Fellow to the Singapore government, as Technical Director in Google Cloud’s Office of the CTO, and as Chief Architect at Allianz SE, where he oversaw the architecture of a global data center consolidation and deployed the first private cloud software delivery platform.
Jean-François Landreau
Jean-François Landreau is AWS Senior Solutions Architect. After a decade developing software for financial markets, he followed the shift of collective excitement to SRE and DevOps and never looked back. He has a long-standing work experience in the business development and software engineering areas as he has worked for before for Thomson Reuters and then for Allianz Technology as Head of Platform Engineering.
## Related
[All](#)[\#compeer](#)[\#customerexperience](#)[\#digitaltransformation](#)[\#wealthmanagers](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
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**Categories:** Event
**Tags:** #ai, #bigdata, #cloud, #digital-change, #digitaltransformation, #machinelearning, #wealthmanagers
---
### [Objectway will be partner of the next edition of BankersCom CE event in Zurich19th - 20th September 2023](https://objectway.com/objectway-will-be-partner-of-the-next-edition-of-bankerscom-ce-event-in-zurich/)
**Published:** August 28, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will attend the BankersCom CE Senior Executive Conference, the leading independent platform for decision makers from the banking and finance industry.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway will be partner of the next edition of BankersCom CE event in Zurich
19th – 20th September 2023 – Objectway will attend the BankersCom CE Senior Executive Conference, the leading independent platform for decision makers from the banking and finance industry in Switzerland, Germany, Austria and Liechtenstein.
## Agenda
19th – 20th September 2023
9:20 – 15:40
BankersCom 2023 – Reimagining and Tectonic Shifts in Swiss Banking
Dr. Alexander Cassar, Objectway Chief Business Operations Officer
Objectway is delighted to announce its participation as partner to the BankersCom CE Senior Executive Conference in Zurich. The event will be hosted by Senior Executive Managers and Directors coming from the most relevant banks and financial industries in the Dach Region.
The main purpose of the event will be discovering how Swiss banks and financial institutions are facing the challenges deriving from a constantly volatile and uncertain global market, trying to redefine the role of customer experience through the use of data and AI.
Stick this appointment in your agenda and meet us at our booth!
[Click here to discover more about the event program!](https://sminds.ch/en/bankerscom/central-europe#programm)
## Event Information
19th – 20th September 2023, GDI Gottlieb Duttweiler Institute Ruschlikon/Zurich
To register, **[click here](https://sminds.ch/en/bankerscom/central-europe/anmeldung)** and select the third option of the list “Participation BankersCom CE Dialog & Dinner and Senior Executive Conference, September 19/20, 2023
## Conference Delegates
Dr. Alexander Cassar
Sandro is responsible for the improvement of the Group’s business operations. An accomplished professional with over 30 years experience delivering global large-scale transformation programmes and management at Board level in financial services. He is a chartered accountant with Doctorate and Masters degrees in strategic information systems for wealth and asset management.
## Related
[All](#)[\#compeer](#)[\#customerexperience](#)[\#financialservices](#)[\#markettrends](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
Yes, I want to receive updates about Objectway events and products. I have read and agree with the [Privacy Policy & Terms of Use]()
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**Categories:** Event
**Tags:** #financialservices, #investmentmanagers, #privatebanking, GLO
---
### [Objectway teams up with CeTIF for the Cross Community Event on Digital Wealth Management & Digital Banking26th September 2023](https://objectway.com/objectway-teams-up-with-cetif-for-the-cross-community-event-on-digital-wealth-management-digital-banking/)
**Published:** September 12, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway partners with CeTIF for a new event dedicated to digital humanization in banking services.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway teams up with CeTIF for the Cross Community Event on Digital Wealth Management & Digital Banking
26th September 2023 – Objectway partners with CeTIF for the new Community event dedicated to digital humanization in banking services.
## Agenda
26th September 2023
10:00 – 13:00
Community event: Digital Humanization in Banking Services
This CeTIF Community Event will be the opportuniy to meet and discuss with keynote speakers and industry experts about the future of banking.
Soon after the Community Event, don’t miss the Research Meeting: an insightful session for learning more about the survey’s outcomes and for engaging on relevant topics.
Among the main themes that will be addressed by the speakers, there will be:
- Use of digital to enhance the customer experience in branches, agencies and retail stores;
- Augmented Intelligence and data provider support;
- Provider’s expertise and qualifications.
## Event Information
26th September 2023, Università Cattolica del Sacro Cuore, Via Olona 2, Milano (Aula Consiglio, Floor -1)
The Conference will be held in dual mode.
To find out more, **[click here!](https://www.cetif.it/research/digital-wealth-management-hub-2023/cross-community-event-digital-humanization-in-banking-services-2?event=community_event)**
## Related
[All](#)[\#digital-change](#)[\#digital-transformation](#)[\#wealth-management](#)[\#wealthtech](#)
[„Deutschland ist noch etwas altmodisch unterwegs“](https://objectway.com/abn-amro-und-hauck-aufhauser-lampe-fusionieren-zur-drittgrosten-privatbank-deutschlands/)[Article](https://objectway.com/category/article-genitore/article-glo/)### „Deutschland ist noch etwas altmodisch unterwegs“
4 August 2026
[Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen](https://objectway.com/skalierungslucke-warum-ki-investitionen-an-der-kundenschnittstelle-verpuffen/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen
4 August 2026
[OWIN26: as-a-service e AI per trasformare la complessità in efficienza](https://objectway.com/owin26-as-a-service-e-ai-per-trasformare-la-complessita-in-efficienza/)[Article](https://objectway.com/category/article-genitore/article-glo/)### OWIN26: as-a-service e AI per trasformare la complessità in efficienza
8 July 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
Yes, I want to receive updates about Objectway events and products. I have read and agree with the [Privacy Policy & Terms of Use]()
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**Categories:** Event
**Tags:** #digitaltransformation, #investmentmanagers, #wealth-management, GLO
---
### [Objectway partners with CeTIF for the last Digital Wealth Management HUB Event17th October 2023](https://objectway.com/objectway-partners-with-cetif-for-the-last-digital-wealth-management-hub-event/)
**Published:** October 11, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway partners with CeTIF for a new event dedicated to digital humanization in banking services.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway partners with CeTIF for the last Digital Wealth Management HUB Event
17th October 2023 – Objectway’s Business Development Team is ready to take part in the next event organised by CeTIF Digital Wealth Management HUB to investigate the role of ESG in wealth investment choices.
## Agenda
17th October 2023
10:00 – 13:00
Community event: Wealth offering 2023: Digital ESG and Insurance
The fourth and last appointment organised by CeTIF Digital Wealth Management HUB 2023, is the real opportunity to discover more about today and future strategic developments trends, regulatory updates and digitalisation spin-offs effects. The CeTIF Research HUB constantly analyse innovation path dynamics and it shares with the Community the best practices that need to be explored by FinTech companies to stay competitive in the market and to boost business growth.
The conference aims to address the following topics:
- New ESG offer
- Club deals, alternative investments and the role of cryptoassets
- Evolution of protection and health for wealth management ecosystem
## Event Information
17th October 2023, Università Cattolica del Sacro Cuore, Via Olona 2, Milano (Aula Consiglio, Floor -1)
The Conference will be held in dual mode.
To find out more, **[click here!](https://www.cetif.it/research/digital-wealth-management-hub-2023/wealth-offering-2023-tra-esg-digital-e-insurance?event=community_event)**
## Related
[All](#)[\#digital-change](#)[\#digital-transformation](#)[\#wealth-management](#)[\#wealthtech](#)
[„Deutschland ist noch etwas altmodisch unterwegs“](https://objectway.com/abn-amro-und-hauck-aufhauser-lampe-fusionieren-zur-drittgrosten-privatbank-deutschlands/)[Article](https://objectway.com/category/article-genitore/article-glo/)### „Deutschland ist noch etwas altmodisch unterwegs“
4 August 2026
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4 August 2026
[OWIN26: as-a-service e AI per trasformare la complessità in efficienza](https://objectway.com/owin26-as-a-service-e-ai-per-trasformare-la-complessita-in-efficienza/)[Article](https://objectway.com/category/article-genitore/article-glo/)### OWIN26: as-a-service e AI per trasformare la complessità in efficienza
8 July 2026
## Sign Up for our Newsletter
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---
### [Objectway è partner di AWS per il Financial Services Symposium20 Ottobre 2023](https://objectway.com/objectway-e-partner-di-aws-per-il-financial-services-symposium/)
**Published:** October 18, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Venerdì 20 Ottobre, Objectway ti invita a partecipare al Financial Services Symposium organizzato da AWS. L'evento è l'occasione per conoscere storie di successo e trasformazione.
**Content:**
[](/webinars-and-events/)
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# Objectway è partner di AWS per il Financial Services Symposium
20 Ottobre 2023 – Il Financial Services Symposium è l’occasione per presentare vantaggi attuali e obiettivi futuri che caratterizzano la partnership tecnologica attiva tra Objectway ed AWS. **[Clicca qui](https://awsfsisymposium.splashthat.com/)** per completare subito la registrazione con il codice **AWS4FSI** e vieni a trovarci, i posti sono limitati!
## Agenda
20 Ottobre 2023
15:00 – 15:30
Wealth On Cloud: A Successfull Experience
Michele Tanzi, Market Solution Director, Objectway
Il nostro settore industriale sta attraversando un periodo di costante cambiamento dovuto alle **trasformazioni digitali e ai cambiamenti tecnologici** che hanno al proprio centro le **applicazioni dell’intelligenza artificiale**. Per sfruttare pienamente i benefici derivanti dall’AI, è dunque necessario che le istituzioni finanziarie facciano di quest’ultima una parte integrante della loro relazione con il cliente, assicurando così una **miscela perfetta di competenze umane e innovazione tecnologica**.
Durante il suo intervento, **Michele Tanzi, Market Solution Director Objectway**, illustrerà alcuni dei punti fondamentali del **Cloud Journey** che Objectway consente di intraprendere al fine di ottimizzare i costi, accelerare la crescita e incrementare la customer satisfaction.
Scopri di più sulle tecnologie per innovare il tuo business e supportare la tua azienda per anticipare i bisogni dei clienti e creare nuovi prodotti digitali.
[Registrati ora](https://awsfsisymposium.splashthat.com/?gz=none) utilizzando il codice **AWS4FSI** per riservare il tuo posto.
## Event Information
20 Ottobre 2023, Areapergolesi Events, Via Giovanni Battista Pergolesi 8, Milano, 20124
Per maggiori informazioni, **[contattaci subito](mailto:mktg@objectway.com)**. Non vediamo l’ora di incontrarti!
## Speakers
Michele Tanzi
Graduated in Computer Science at the University of Bari, he immediately specialized in the analysis and design of software systems for finance and online trading. In 2003 he joined Objectway, where he immediately realized an innovative and complex private wealth management project. Today he is Market Solutions Director and he leads the development of Objectway Wealth Management solutions and provides support to customers for the products’ implementation.
## Related
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8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
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---
### [Objectway will be Gold Sponsor of PMAC National Conference in Toronto14th November 2023](https://objectway.com/objectway-will-be-gold-sponsor-of-pmac-national-conference-in-toronto/)
**Published:** November 12, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will be Gold+ Sponsor at 2022 PMAC National Conference in Toronto
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway will be Gold Sponsor of PMAC National Conference in Toronto
14th November 2023 – Objectway will take part to PMAC National Conference in Toronto to find out what future developments are planned for the North American market.
## Agenda
14th November 2023
8:00 AM – 6:00 PM ET
PMAC National Conference 2023
Kurt Vanhee, Managing Director Continental Europe & North America Objectway
The National Conference is PMAC’s most unmissable event of the year. Come and visit us at our booth to discover more about the Objectway Platform’s features, set to enhance client experience, improve front-office productivity, innovate investment services and enable process automation.
The agenda includes an exceptional line-up of world-class thought leaders who will address **key global issues** and timely topics impacting professionals in the industry.
Don’t miss out the opportunity to meet **Kurt Vanhee, Objectway Managing Director Continental Europe & North America** for discussing which are the benefits coming from the adoption of Objectway solutions over time to promote growth and retain clients.
## Event Information
14th November 2023, Fairmont Royal York Hotel, 100 Front St W, Toronto, ON
Meet us at our booth and **[register here to secure your place at the event.](https://pmac.org/2023-11-14-national-conference/)**
We’re looking forward to meeting you in Toronto!
## Conference Delegates
Kurt Vanhee
With a professional career of nearly 30 years in various roles in large and medium size banking and IT organizations, Kurt has built a strong knowledge of Wealth Management, IT, Customer Delivery and Business Development activities in an international environment. In his current position at Objectway, as Managing Director Continental Europe & North America, he encourages a customer-centric approach.
## Related
[All](#)[\#customerexperience](#)[\#oneobjectway](#)[\#portfoliomanagement](#)[\#sponsor](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
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**Tags:** #oneobjectway, #pmac2022, #sponsor, GLO
---
### [Objectway sponsors the 1st Digital Wealth Management Hub by CeTIF14th March 2024](https://objectway.com/objectway-sponsors-cetif-digital-wealth-management-hub/)
**Published:** February 27, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway renews its partnership with CeTIF for the 1st Digital Wealth Management Hub to deepen challenges and opportunites of wealth services in Open Finance.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway sponsors the 1st Digital Wealth Management Hub by CeTIF
14th March 2024 – Objectway will sponsor the 1st Digital Wealth Management Hub Community Event organized by CeTIF, the Università Cattolica Research Centre for Technologies, Innovation and Financial Services.
## Agenda
14th March 2024
10:00 – 13:00
1st Digital Wealth Management Hub – Ris&Open Finance: Toward a New Era in Wealth Management?
Objectway renews its partnership with CeTIF for the 1st Digital Wealth Management Hub to deepen most relevant challenges and opportunities for wealth services in Open Finance.
The Community Events organized by CeTIF are more than just a meeting: keynote speakers and industry experts have the chance to get updated and develop valuable relationships to seize the ever-evolving streams that are shaping financial, banking and insurance ecosystems.
During this appointment, participants will address the following themes:
- PSD3, FIDA and new data
- Customer experience evolution
- Challenges and opportunities of Wealth services in Open Finance
## Event Information
14th March 2024, Dual Mode
To find out more, **[click here!](https://eng.cetif.it/event/community-event/open-finance-for-wealth-management)**
## Related
[All](#)[\#digital-change](#)[\#digital-transformation](#)[\#wealth-management](#)[\#wealthtech](#)
[„Deutschland ist noch etwas altmodisch unterwegs“](https://objectway.com/abn-amro-und-hauck-aufhauser-lampe-fusionieren-zur-drittgrosten-privatbank-deutschlands/)[Article](https://objectway.com/category/article-genitore/article-glo/)### „Deutschland ist noch etwas altmodisch unterwegs“
4 August 2026
[Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen](https://objectway.com/skalierungslucke-warum-ki-investitionen-an-der-kundenschnittstelle-verpuffen/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen
4 August 2026
[OWIN26: as-a-service e AI per trasformare la complessità in efficienza](https://objectway.com/owin26-as-a-service-e-ai-per-trasformare-la-complessita-in-efficienza/)[Article](https://objectway.com/category/article-genitore/article-glo/)### OWIN26: as-a-service e AI per trasformare la complessità in efficienza
8 July 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
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---
### [Objectway will be Gold Partner of next Digital Integration in Wealth Management 202419th - 20th March 2024](https://objectway.com/objectway-will-be-gold-partner-of-next-digital-integration-in-wealth-management-2024/)
**Published:** March 15, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway attends next Digital Integration in Wealth Management 2024 in London, the ultimate meeting place for digital leaders across wealth management industry
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway will be Gold Partner of next Digital Integration in Wealth Management 2024
19th – 20th March 2024 – We are proud to announce Objectway attendance at 8th Annual Digital Integration in Wealth Management by Arena International. Seize the opportunity to meet our team and to discover more about our solutions.
## Agenda
19th March 2024
10:30 – 11:00 AM
Why Are Firms Changing Systems?
Tariq Khan, Objectway Client Development Director
The **8th Annual Digital Integration in Wealth Management** will be hosted in London, bringing together leading players in the wealth management industry.
During his speech, Tariq Khan, Objectway Client Development Director, will share valuable insights on wealth management current developments and future shifts, focusing on:
- key business priorities, such as the change of legacy systems
- ongoing effort of achieving the balance between managing IT spend and maximising front-office productivity
- client experience improvement through an omni-channel and personalised approach
We will be glad to welcome you at our booth to unearth together the strategies and processes powered by innovation through in-depth conversations and talks, reserve your spot now!
**[Register now](https://www.eventsonlineregister.com/tc-events/digital-integration-in-wealth-management-2024/)** to reserve your spot and get ready to take away exclusive and first-hand insight about Objectway Platform solutions based on a state-of-the-art software and service platform, made for wealth and asset managers for delivering key benefits across the entire value chain.
## Event Information
19th – 20th March 2024, Country Hall, County Hall, Belvedere Rd, London SE1 7PB
We’re looking forward to meeting you in London!
## Speaker
Tariq Khan
Tariq is Client Development Director at Objectway – global player offering end-to-end digital-ready solutions for Wealth, Bank & Asset Managers. Tariq has been working with UK wealth managers for over 10 years, with a focus on digital transformation, advising firms on how they can make the most of digital solutions in order to improve their client experience, operational efficiency, and become future ready.
## Related
[All](#)[\#customerexperience](#)[\#digital-advisory](#)[\#digitaltransformation](#)[\#privatebanking](#)
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8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
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---
### [Objectway at Pimfa Spring Networking Reception 202421st March 2024](https://objectway.com/objectway-at-pimfa-spring-networking-reception-2024/)
**Published:** March 16, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will attend the Pimfa Spring Networking Reception 2024 to discover wealth management industry achievements and future challenges.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway at Pimfa Spring Networking Reception 2024
21st March 2024 – For the second consecutive year in a row, Objectway will be back at Pimfa Spring Networking Reception 2024 to review and analyse wealth management industry achievements and future challenges.
## Agenda
21st March 2024
18:30 – 21:30
Objectway at Pimfa Spring Networking Reception 2024
Tariq Khan, Business Development Director Objectway
Objectway is pleased to announce its participation to next Pimfa Spring Networking Reception 2024, the most suitable occasion to meet industry experts and stakeholders and discuss together the achievements the industry has collectively obtained all over the year and what’s next.
**Tariq Khan, Objectway Business Development Director**, will be happy to meet you and share with you insightful perspectives on wealth management industry future changes and on how Objectway is striving to address them.
## Event Information
21st March 2024, The Law Society, 113 Chancery Lane, WC2A 1PL, London
Due to the huge popularity of this event we are releasing a total of 5 tickets per firm in this instance. This might increase closer to the time if capacity allows.
Early booking is recommended, to book your place please contact the team on
We look forward to seeing you there!
## Conference Delegates
Tariq Khan
Tariq is Client Development Director at Objectway – global player offering end-to-end digital-ready solutions for Wealth, Bank & Asset Managers. Tariq has been working with UK wealth managers for over 10 years, with a focus on digital transformation, advising firms on how they can make the most of digital solutions in order to improve their client experience, operational efficiency, and become future ready.
## Related
[All](#)[\#customerexperience](#)[\#oneobjectway](#)[\#pimfa](#)[\#wealth-management-trends](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Event
**Tags:** #oneobjectway, #pimfa, #wealth-management-trends
---
### [New study reveals the three pillars for wealth managers to unlock opportunity in challenging times](https://objectway.com/new-study-reveals-the-three-pillars-for-wealth-managers-to-unlock-opportunity-in-challenging-times/)
**Published:** November 17, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Investments in complete digitalisation, customer experience innovation and ESG offering are the three pillars for wealth managers to unlock opportunity.
**Content:**
[](/news/)
View all News
# New study reveals the three pillars for wealth managers to unlock opportunity in challenging times
17th November 2023 – Investments in complete digitalisation, customer experience innovation and ESG offering are the cornerstones to meet the challenge of current market conditions. Roger Portnoy, Objectway Chief Strategy Officer, delves into Objectway and GlobalData joint research in latest issued Pimfa Journal.
Regulation and competition are putting increasing pressure on financial firms of all dimensions. However, priorities and intensity of the innovation projects depend heavily on the size of the company.
In the current rapidly changing environment, banking, asset and wealth management are playing a catch-up game, having previously been conservative and reluctant to innovate.
**The financial sector in Europe is undergoing a profound transition**. The war in Ukraine, high inflation and the threat of recession have put pressure on the profitability of players. **[According to the study commissioned by Objectway to GlobalData ](https://objectway.com/unlocking-opportunity-in-challenging-times-globaldata-analyst-research/)** and designed to gather the industry’s views on the key challenges facing the European banking, wealth and asset management industry, over 52 percent of the surveyed firms intend to tackle **full-spectrum digitisation projects** within the next two years in order to remain competitive, while more than 40 percent are already working on innovative concepts for their customer experience.
The study, in fact, shows that despite headwinds, the industry has not cut back on its transformation efforts: banks and wealth managers increased their investments in technology by 8.5 percent last year and will probably increase them by a further 9.2 percent by the end of 2023. Increased competition between players, the challenge of digitalisation and the ability to then guarantee the results of investments are the biggest challenges. **A lasting relationship with increasingly demanding customers** is then a key factor. When it comes to the strategies for improving customer experience to retain and increase clients, **artificial intelligence (AI)** is the subject matter, with almost 50 percent citing AI and machine learning as the biggest changes over the next two years.
A clear majority, almost 70 percent, also believe that ever-increasing regulatory pressure is forcing firms to continuously question and adapt their business model. In light of the recent financial turmoil, the call for **stricter international regulation** is inevitable. Investor protection and environmental concerns are increasingly becoming priorities for regulators in Europe. And whilst the extent of the changes is uncertain, they are expected to create a number of additional costs for, say, administration and legal departments. Therefore, a shift to more efficient, digital and technologically advanced business processes will be necessary.
Additionally, changing customer expectations regarding **sustainable investments** make technological progress inevitable for the financial sector. And when it comes to innovation in terms of offering, ESG investments take the absolute lion’s share.
Across the industry, 84.5 percent plan to add or expand their ESG investment offering in the next three years – headed by Private Wealth at 97.2 percent. In this regard, there are several ways to develop or sharpen **an ESG-compliant profile**. Creating new investment solutions is the most common response to changing investor priorities, according to 73 percent of respondents. Other important means of developing an ESG brand include asking clients about their ESG views (64.7 percent) or providing additional support and resources for financial education (48.5 percent).
Regardless of the company’s priorities, the research underlines how any successful strategic innovation requires a coordinated approach and shared goals among all stakeholders. More and more companies are recognising the benefits of having an **ecosystem of fintech and wealthtech partners** and are outsourcing aspects of their business. In doing so, they are creating new opportunities for growth while reducing the cost and complexity of administrating the different aspects of such aspects. **Flexibility is the top reason for outsourcing** an innovation project: this is especially true in large companies (47.6 percent) that have internal resources but do not want to use them exclusively for what could be a critical modernisation. The other key factor, at around 40 percent, is clearly cost, especially for smaller companies, for which is usually not cost-effective to develop software internally.
As such, the industry has been responding to challenging conditions with an **escalating program of investments in innovation**, within a framework which includes the most critical thematic areas that will help financial service players to successfully target their digital transformation journey: **end-customer experience, offering design and the overall target operating model**.
By leveraging this innovation framework, financial institutions get concrete benefits across their entire value chain.
[](https://www.linkedin.com/in/roger-portnoy-a16b67/)### Roger Portnoy
Chief Strategy Officer Objectway
## Related
[All](#)[\#customerexperience](#)[\#financialservices](#)[\#markettrends](#)[\#wealth-management](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Article
**Tags:** #businessreconfiguration, #customerexperience, #investmentmanagement, #sustainableinnovation, #wealth-management-trends, ESG
---
### [Objectway continues its streak in the WealthTech100 for the sixth consecutive year](https://objectway.com/objectway-continues-its-streak-in-the-wealthtech100-for-the-sixth-consecutive-year/)
**Published:** April 5, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway, leading provider of as-a-service software and service platform to banks, wealth and asset managers, has been named one of the top 100 WealthTech companies of 2024.
**Content:**
[](/news/)
View all News
# Objectway continues its streak in the WealthTech100 for the sixth consecutive year
5th April 2024 – Objectway, a premier provider of as-a-service software platform and services catering to banks, wealth, and asset managers, proudly announces its recognition as one of the top 100 WealthTech companies of 2024, marking its sixth consecutive year of achievement.
Objectway, leading provider of as-a-service software platform and services for banks, wealth and asset managers, has been named one of the top 100 WealthTech companies of 2024 for the sixth consecutive year.
Chosen by a distinguished panel of analysts and industry experts, Objectway stands out among over 1,300 contenders, showcasing its dedication to addressing the paramount challenges and opportunities within wealth management. The rigorous selection process emphasized not only technological innovation but also potential cost efficiencies, operational enhancements, and value chain impacts for clients.
This esteemed list serves as a compass for senior executives and investment professionals, aiding in the evaluation of digital wealth management and financial advisory models with promising market potential and lasting impact on the industry.
It’s vital for firms to embrace cutting-edge technology as clients increasingly demand seamless engagement and enriched experiences. This recognition underscores our commitment to prioritising technological advancements and our continued position at the forefront of the rapidly evolving wealth, investment and asset management landscape.
[](https://www.linkedin.com/in/luigi-marciano-66b9538/)### Luigi Marciano
Founder & Group CEO, Objectway
The proliferation of digital services has changed the way individuals want to manage their finances. Coupled with a tech-savvy younger generation, financial institutions have had to change the way they operate, moving towards fast and streamlined experiences that put the customer first. The list highlights the leading companies in areas such as customer acquisition and engagement, financial planning and portfolio management, to name but a few.
[](https://member.fintech.global/)### Richard Sachar
Director, FinTech Global
## Related
[All](#)[\#compeer](#)[\#customerexperience](#)[\#financialservices](#)[\#markettrends](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
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**Categories:** Awards
**Tags:** #fintechglobal, #wealth-management, #wealthtech
---
### [Kundenberatung der Zukunft – Welche Rolle wird KI in der Finanzberatung spielen?](https://objectway.com/kundenberatung-der-zukunft/)
**Published:** September 5, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Die Unternehmen versuchen verzweifelt, ihr Kosten-Nutzen-Verhältnis zu verbessern, und maschinelles Lernen und KI sind in dieser Hinsicht vielversprechend, sagt Karl im Brahm, CEO Dach Region Objectway.
**Content:**
[](/news/)
View all News
# Kundenberatung der Zukunft – Welche Rolle wird KI in der Finanzberatung spielen?
8\. September 2023 – Was ist Kunden von Banken und Vermögensverwaltern wirklich wichtig? Ganz oben stehen eine personalisierte Beratung, schnelle Verfügbarkeit und bequeme Anwendung. Diese bedarfs- und situationsgerechte Betreuung wird für eine neue Ära an vermögenden Kunden immer wichtiger – und vor allem durch künstliche Intelligenz möglich.
Mehr Personalisierung durch Ausrichtung des Serviceangebotes auf individuelle Bedürfnisse und Verhaltensweisen und nicht nur auf finanzielle Aspekte. Zudem wird der Zugang zur Dienstleistung in den verschiedenen digitalen und analogen Kanälen und für Kunden mit besonderen Anforderungen wie beispielsweise vollständige Sprachaktivierungsfunktion immer wichtiger.
Aber nicht nur in der Beratung, vor allem im Back-End verändert die künstliche Intelligenz die Prozesse grundlegend. Denn gerade in der IT-Entwicklung, Qualitätssicherung oder Verwaltung kann radikal automatisiert werden. Die Rolle des Menschen verändert sich immer mehr von einer ausführenden zu einer steuernden und überwachenden. Und blickt man auf die Art und Weise wie sich KI derzeit weiterentwickelt, könnte eine völlig neue Art eines virtuellen Beraters möglich sein.
Neue Kundenschichten sind eine große Herausforderung für Vermögensberater. Der Trend zur Demokratisierung des Wealth Management geht mit immer mehr Personalisierung und einer quasi rund um die Uhr Betreuung über alle (digitalen) Kanäle einher. „Wenn jemand heiratet, Kinder bekommt, in eine andere Stadt umzieht – all das und noch vieles mehr sind äußerst wichtige Daten für Vermögensberater. Basierend darauf können neue individuellere Investmentstrategien oder personalisierte Angebote erstellt werden“, erklärt Karl im Brahm, CEO für den DACH-Raum bei Objectway. Künstliche Intelligenz (KI) könne alle diese Daten sammeln und bereits passende Vorschläge machen. In erster Linie wird diese wohl als ergänzende Kraft für den Beratungsprozess entwickelt werden, auch wenn sie in bestimmten Situationen und für bestimmte Aufgaben als virtueller Assistent fungieren kann, der Informationen bereitstellen, auf Anfragen reagieren und Arbeitsabläufe ohne jegliche Aufsicht erleichtern kann. Die Finanzbranche hat sich bisher schwergetan, diese Bandbreite an Fähigkeiten in ihren Beratungsprozess einzubringen. Allerdings hat die Art und Weise, wie man generative KI mit Deep-Learning-Modellen und offenen Finanzdatensätzen kombinieren kann, das Potenzial, eine viel breitere Definition des Beratungsangebots zu unterstützen.
Ein weiter Weg bis zum „künstlichen“ Berater
Der offensichtlichste Weg für Privatbanken, KI auf transformative Weise einzusetzen, liegt eher im Back- und Middle-Office. Dies liegt daran, dass ihr Einsatz in Bereichen wie DevOps (Development und Operations), reine IT-Entwicklung, Qualitätssicherung und Verwaltung ermöglicht, diese Bereiche weitaus stärker zu automatisieren, reibungslos zu gestalten und zu optimieren. „Die Rolle der Vermögensberater und Banker wird sich verändern, weg von der Ausführung selbst, hin zur Steuerung, Überwachung, Verbesserung der Prozesse. Im Front-Office-Bereich dürfte sich künstliche Intelligenz vor allem im Investment-Management-Prozess noch viel stärker durchsetzen. „Unternehmen werden mit KI beispielsweise ihr Liquiditätsmanagement deutlich verbessern, personalisiertere Portfolios erstellen und pflegen sowie Smart-Beta- und thematische Anlagestrategien mit geringeren Kosten umsetzen“, so im Brahm.
Mehr Transparenz und Fairness durch künstliche Intelligenz?
Obwohl der vollkommen virtuelle Berater noch in weiter Zukunft liegt, gibt es die Frage nach der Aufsicht und Transparenz von KI-Systemen. „Die allgemeine Regel der Rentabilität lautet, die Komplexität zu reduzieren und die Automatisierung zu erhöhen, um letztendlich bessere Renditen zu erzielen“, so im Brahm. KI-Systeme können dabei sehr nützlich sein, sie können aber auch schnell zu einem erheblichen Reputationsschaden und einer negativen Kundenstimmung führen. Deshalb sei es wichtig, die Aufsicht durch Menschen da zu verstärken, wo Probleme akut auftreten können und unmittelbar behoben werden müssen. Zudem werden zunehmend synthetische Datensätze erstellt, die keine personenbezogenen Informationen mehr enthalten, um Vorurteile zu verringern oder zu beseitigen. Dies kann helfen, ethische und faire Entscheidungen zu treffen. Da jedoch viele Formen der künstlichen Intelligenz und des maschinellen Lernens durch die Interaktion mit fragwürdigen Datensätzen entwickelt wurden, besteht nach wie vor ein erhebliches Risiko, dass Vorurteile und Fehlinformationen, insbesondere durch die Open-Source-Ressourcen von Big Tech, aufrechterhalten und verschärft werden. „Unternehmen müssen proaktiv ihre eigenen KI-gestützten Ergebnisse auf systematische, transparente und konsistente Weise überprüfen“, so im Brahm. Es gäbe erste Tools, die Unternehmen vor Modellverzerrungen warnen können, aber dies sei nach wie vor ein Bereich, der die Aufsichtsbehörden vor Herausforderungen stelle.
Herausforderungen der KI-Systeme im (Privat-)Banking
Die Datenverfügbarkeit sowie die Qualität und Kennzeichnung dieser stellt für viele Unternehmen eine große Herausforderung dar. Aber auch die grundlegende Identifizierung wirtschaftlich sinnvoller Anwendungsfälle für KI sowie das Engagement der Mitarbeiter, die Prozesse und die anfallenden Investitionen. Die Unternehmen sind aktuell noch nicht darauf vorbereitet, Daten-Mitarbeiter so zu behandeln wie die Kundenberater im Front Office, was sie langfristig aber werden lernen müssen. “Adaptive Lösungen sind so konzipiert, dass sie regulatorische und Marktveränderungen als Chance bei der Gestaltung von Dienstleistungen und Angeboten sehen und nicht als Hindernisse oder neue Kosten, die die Investitionsrendite schmälern.“ Während Privatbanken oft dazu neigen würden, Compliance-Themen im Rahmen der Einhaltung von Vorschriften anzugehen, wolle er zeigen, dass man in Bereichen wie der „Suitability“ oder dem Modellmanagement völlig neue Fähigkeiten schaffen kann. Diese sollen es den Unternehmen ermöglichen, neue Engagement-Ansätze und Anlagedienstleistungen einzuführen, die die Gebühren erhöhen und neue Vertriebskanäle ermöglichen.
Unternehmen versuchen verzweifelt, ihr Kosten-Ertrags-Verhältnis zu verbessern und maschinelles Lernen und KI sind hier vielversprechend. Wenn automatisierte Systeme allerdings nur eingesetzt werden, um menschliche Arbeitskosten zu sparen, anstatt einen höheren Wert für Kunden durch besseren Service zu schaffen, werden sie nicht ihr volles Potenzial ausschöpfen können.
[](https://www.linkedin.com/in/karl-im-brahm/)### Karl im Brahm
Objectway CEO DACH Region
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
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---
### [FinFactor raises AUM and clients thanks to Objectway’s Investment Management Solution](https://objectway.com/finfactor-raises-aum-and-clients-thanks-to-objectways-investment-management-solution/)
**Published:** September 19, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** FinFactor has relied on the long-standing partnership with Objectway for enhancing their advisory and discretionary business, gaining more clients and AUM.
**Content:**
[](/news/)
View all News
# FinFactor raises AUM and clients thanks to Objectway’s Investment Management Solution
19th September 2023 – FinFactor, a leading independent investment firm based in Antwerp, Belgium, has relied on the long-standing partnership with Objectway for growing and enhancing their advisory and discretionary business, thus gaining significantly more customers and AUM.
Objectway, global Top100 FinTech provider of as-a-service software and services to banks, wealth and asset managers, has been partnering with FinFactor to support the investment firm managing more business, more efficiently, ultimately accelerating their client base growth.
FinFactor is an independent asset manager offering a wide range of financial services through a number of selected custodian banks, adopting a remarkably personalized approach, a transparent and tailor-made advice model and a digitalized investment process.
The partnership with Objectway has enabled FinFactor to make their order workflow management straight-through and seamless, splitting customer portfolios by asset types into multiple custodians; to deliver automated monthly portfolio rebalancing and to generate advice over the consolidated portfolios at client level, thus empowering also personalized reporting.
Objectway’s solution has also ensured continuous compliance thanks to automated pre- and post-trade checks, and by applying specific restrictions based on client’s preferences when generating new investment proposals. Furthermore, a complete dashboard has granted a consolidated view and constant monitoring of portfolios’ compliance at client level.
Tailor-made portfolio management is our core task. As an independent investment company, we strive to deliver truly transparent and personalized advisory and discretionary services to our clients. In doing so, we entrusted Objectway since we share a common mindset and have appreciated their capabilities to constantly and incrementally support our business growth over the years.
[](https://www.linkedin.com/in/philippe-mahieu-cfa-2b21012/)### Philippe Mahieu
Managing Partner at FinFactor
FinFactor has more than doubled the number of clients and significantly increased their AUM over the years. We have enabled them to scale their business while reducing costs by handling large volumes of orders automatically via straight-through processing, fully supporting the evolution and expansion of their business model, and customizing our solution according to their ecosystem of clients, custodians and management requirements.
[](https://www.linkedin.com/in/kurtvanhee/)### Kurt Vanhee
Managing Director Continental Europe and North America at Objectway
## Related
[All](#)[\#customerexperience](#)[\#financialservices](#)[\#investmentmanagement](#)[\#markettrends](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
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**Categories:** Press Release
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---
### [Das sind die Prioritäten deutscher Banken und Vermögensverwalter](https://objectway.com/das-sind-die-prioritaten-deutscher-banken-und-vermogensverwalter/)
**Published:** September 27, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Banken und Vermögensverwalter in Deutschland und Europa müssen sich zunehmend digitalisieren. Luigi Marciano, Gründer und CEO von Objectway, spricht darüber mit dem Private Banking Magazin.
**Content:**
[](/news/)
View all News
# Das sind die Prioritäten deutscher Banken und Vermögensverwalter
28\. September 2023 – Banken und Vermögensverwalter in Deutschland und Europa müssen immer digitaler werden. Mehr als die Hälfte gaben in einer neuen Studie an, in den nächsten zwei Jahren große Innovations- und Digitalisierungsprojekte angehen zu wollen. Gleichzeitig nimmt der Konkurrenzkampf zu und Privatpersonen beauftragen weniger Vermögensverwalter.
52 Prozent der befragten Banken und Vermögensverwalter gaben laut einer Studie des italienischen Software-Konzerns Objectway an, binnen der nächsten zwei Jahre im vollen Spektrum Digitalisierungsprojekte angehen zu wollen, um wettbewerbsfähig zu bleiben.
Gleichzeitig arbeiten aktuell bereits über 40 Prozent an innovativen Konzepten für ihre Kundenzufriedenheit. Knapp 70 Prozent sind der Meinung, dass der immer stärkere regulatorische Druck sie dazu zwingt, ihr Geschäftsmodell kontinuierlich zu hinterfragen und anzupassen. „Der Schutz der Anleger und Umweltbelange werden für die Aufsichtsbehörden in Europa immer mehr zur Priorität“, erklärt Luigi Marciano, Gründer und Geschäftsführer von Objectway.
Angesichts der jüngsten Finanzkrise und des „Bank-Run“ auf Privatbanken in den USA sei der Ruf nach einer strengeren internationalen Regulierung unvermeidlich. Das Ausmaß sei zwar ungewiss, es sei allerdings davon auszugehen, dass sie eine Reihe zusätzlicher Kosten für Verwaltung und Rechtsabteilungen verursachen werden.
Effizientere und technologisch fortgeschrittene Geschäftsprozesse würden daher notwendig werden. Zudem machten veränderte Erwartungen der Kunden hinsichtlich nachhaltiger Anlagen oder neuer Kommunikationskanäle den technologischen Fortschritt im Finanzsektor unumgänglich.
Sinkende Rentabilität und zweifelnde Kunden
Die Studie zeigt, dass die Ertragsprognosen des privaten Vermögenssektors für 2023 auf ein weiteres Jahr der Stagnation hindeuten. Hinzu kommt, dass Kunden die Anzahl ihrer Vermögensverwalter stetig minimieren. Arbeitete ein Privatkunde im letzten Jahr im Durchschnitt noch mit 4,6 Vermögensverwaltern, sind es heute nur noch 4,2.
Das verwaltete Kapital bleibt hingegen stabil. Das deute laut Marciano darauf hin, dass die Kunden ihre Anlagemöglichkeiten reduzieren, weil beispielsweise ihre Portfolios nicht wachsen oder andere Anforderungen etwa bei der Zusammenarbeit nicht erfüllt werden. Der steigende Konkurrenzkampf ist laut der Studie bei rund 84 Prozent der befragten Finanzunternehmen deutlich spürbar.
Alles steht und fällt mit der Kundenzufriedenheit
Um diese Pattsituation zu überwinden, helfe nur die digitale Flucht nach vorne. Die Studie zeigt, dass die Banken und Vermögensverwalter ihre Investitionen in Technologie im vergangenen Jahr um 8,5 Prozent erhöht haben und bis Ende des Jahres vermutlich um weitere 9,2 Prozent steigern werden. Ziel ist hauptsächlich, das Kundenerlebnis für die immer stärker nach digitalen Technologien verlangenden Kunden zu verbessern, Prozesse und Geschäftsabläufe zu optimieren und das Angebot an Produkten und Dienstleistungen weiterzuentwickeln.
Fast 40 Prozent der Befragten gaben Customer Experience als wichtigste Priorität an. „Der stärkere Wettbewerb zwischen den Akteuren, die Herausforderung der Digitalisierung und die Fähigkeit, die Ergebnisse der Investitionen auch zu garantieren, sind die wichtigsten Prioritäten“, kommentiert Marciano. Eine dauerhafte Beziehung zu immer anspruchsvolleren Kunden sei der entscheidende Faktor. Dabei ist künstliche Intelligenz das große Thema, etwa 50 Prozent nennen KI und Machine Learning als die größten Veränderungen in den Customer-Experience-Strategien der nächsten zwei Jahre, gefolgt von der Ausweitung der Anzahl an Kanälen mit Kundenkontakt (35,6 Prozent).
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
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### [Objectway at the 3rd Annual Digital Banking Summit in Berlin5th - 6th October 2023](https://objectway.com/objectway-at-the-6th-world-digital-banking-summit-in-berlin/)
**Published:** October 5, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway is pleased to announce its participation to the Digital Banking Summit 2023 in Berlin. Join us!
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway at the 3rd Annual Digital Banking Summit in Berlin
5th – 6th October – Objectway is pleased to announce its participation to the Digital Banking Summit for finding more about FinTech’s future challenges with technologies.
## Agenda
5th October 2023
15:10 – 15:25
Gaining competitive advantages in investment services through integrated digital and advisory services
Vladimir Dimitroff, Senior Advisor Objectway
Objectway is delighted to be Bronze Sponsor of the 3rd Annual Edition of **Digital Banking Summit 2023**. This in-person event will focus on how the latest technologies (AI, ML, cloud computing, BaaS) are shaping the future of digital banking. Industry experts and keynote speakers will deepen the topic to share best practices for building future-proof business models.
Vladimir Dimitroff, Senior Advisor Objectway, will delve into the **role of advisory in clients’ investment process** to understand how hitting the right targets and gain brand awareness to raise revenues.
The main talking points will be:
- Embracing Emerging Technologies to Drive Operational Efficiency and Reduce Human Intervention;
- Gaining Insights on the Latest Regulations Shaping the Future of the Banking Industry;
- Unlocking the Opportunities with the Help of Embedded Finance and BaaS.
The summit gathers **CEOs, Managers and Directors** with different expertise: grab this opportunity to network and discuss all of the latest trends and technologies and create solutions to drive the banking industry forward.
## Event Information
5th – 6th October 2023, Meliá Berlin Friedrichstraße 103, 10117 Berlin, Germany
For further information about the event registration, **[click here!](https://www.uni-global.eu/3rd-annual-digital-banking-summit/)**
## Speakers
Vladimir Dimitroff
Vlado has a long and extensive management consulting career, leading major transformation programs at blue-chip clients, resulting in record performances. He has been Synpulse Associate Partner and since 2005 he is Director of Drako Ltd.
Ramazan Celikoz
Ramazan is Director of Sales and Business Development. Digitalization of advisory processes, implementation of core banking and out-sourcing solutions (Saas & BPaaS) are his main areas of expertise.
## Related
[All](#)[\#compeer](#)[\#digitaltransformation](#)[\#financialservices](#)[\#investmentmanagement](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
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**Categories:** Event
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---
### [Unleashing the power of customer experience: designing for client needs and expectations28th September 2023](https://objectway.com/objectway-and-qorus-joint-webinar-unleashing-the-power-of-customer-experience-designing-for-client-needs-and-expectations/)
**Published:** September 27, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway, Qorus, Emirates NBD and Swedbank are pleased to invite you to attend the joint online webinar “Unleashing the power of customer experience: designing for client needs and expectations”.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Unleashing the power of customer experience: designing for client needs and expectations
28th September 2023 – Objectway and Qorus are pleased to invite you to attend the joint online webinar “Unleashing the power of customer experience: designing for client needs and expectations”.
## Agenda
28th September 2023
3:00 pm – 4:30 pm
Unleashing the power of customer experience: designing for client needs and expectations
3:00 pm – 3:05 pm
Welcome from the Community Leader
[Sarah Kocianski, Open Finance Community Leader, Qorus](https://www.linkedin.com/in/sarahkocianski/)
3:05 pm – 3:20 pm
Expert’s point of view
[Roger Portnoy, Chief Strategy Officer, Objectway](https://www.linkedin.com/in/roger-portnoy-a16b67/)
3:20 pm – 3:35 pm
Keynote Speech
[Emel Çuhacı, VP, Customer Experience and Conversational Banking, Emirates NBD](https://www.linkedin.com/in/emelt/)
3:35 pm – 4:05 pm
Case Studies from Global Players
[Conrad Ford, Chief Product & Strategy Officer, Allica Bank](https://www.linkedin.com/in/conradford/)
[Francesca Fichera, Brand Lead, Banca Widiba](https://www.linkedin.com/in/francesca-fichera/)
[Gianvito Toscano, UX & QA Lead, Banca Widiba](https://www.linkedin.com/in/gianvito-toscano-49aa7a43/)
[Tracey Williams, Senior Design Director, Absa Group](https://www.linkedin.com/in/tracey-williams-3550a423/)
4:05 pm – 4:30 pm
Q&A and Key Takeaways
Considering today’s competitive business landscape, where firms are seeking effective ways to engage with their clients, this event will delve into the different approaches that organizations can adopt to **enhance customer experience**, based on the complex set of reactions that impact clients’ choices.
During the panel, the speakers will showcase case studies from global players and useful insights to uncover **new client engagement approaches.**
**[Register now](https://www.qorusglobal.com/event/18837-unleashing-the-power-of-customer-experience-designing-for-client-needs-and-expectations)** to secure your spot at this must-attend event!
## Webinar Information
Thursday, 28th September 2023, 3:00PM – 4:30PM, Free Entry
## Speakers
Roger Portnoy
Roger has a +30 years experience in the field of financial technology. He has been directly involved in more than a dozen fintech firms at all stages of maturity and he has held junior and senior executive roles in investment banks, financial providers and financial software vendors. Since April 2022 he held the role of Chief Strategy Officer within Objectway and he has been working closely with CEO and members of the business c-suite.
Sarah Kocianski
Fintech and insurtech strategist with 10+ years industry experience. Sarah enables companies to succeed in today’s financial ecosystem by using expert insight and analysis to identify opportunities and how to capitalise on them. She has worked with global organisations, scale ups and startups from within and without the financial services industry.
Emel Çuhacı
Emel has started her business career at Akbank in 2000. After her role in Yapı Kredi as the Self Service Banking & Cross Channel Coordination Director, she took a different route as a Director of Business Development and Foreign Markets at OBSS, an IT company. By the end of 2017 she has been working as Senior Advisor for Ernst & Young, focusing on banking. She has joined Emirates NBD in August 2022.
Conrad Ford
Conrad is Allica Bank Chief Product Officer. After a early career in banking, with a focus on corporate strategy, he has deepened his capabilities in the field of FinTech and digital strategy. More recently, he has advised a number of the UK’s flagship fintechs.
Francesca Fichera
Soon after her graduation at Sapienza University in Rome, Francesca started her career path by strengthening her skills as Project Manager and Event Planning. Pursuant to her experience as Financial Officer at Monte dei Paschi di Siena, Francesca became Brand Lead at Banca Widiba in 2018, focusing on brand management and trade marketing.
Gianvito Toscano
Throughout his work experience first as Communication Designer and then as UX & UI Designer, Gianvito has developed and managed several projects for Accenture and Deloitte Digital. For the last 5 years he has been working at Banca Widiba where he became UX & QA Lead in 2019.
Tracey Williams
Tracey has a 7-years work experience as Designer. She has joined Absa Bank Ltd. in 2017 and she constantly works with cross-functional teams to solve problems with solutions that address both customers’ needs and meet business goals. Prior to moving into Absa, she has worked as Customer Experience and Business Lead for Barclays Africa Group Limited.
## Related
[All](#)[\#blockchain](#)[\#finance](#)[\#wealth-management](#)[\#wealthtech](#)
[„Deutschland ist noch etwas altmodisch unterwegs“](https://objectway.com/abn-amro-und-hauck-aufhauser-lampe-fusionieren-zur-drittgrosten-privatbank-deutschlands/)[Article](https://objectway.com/category/article-genitore/article-glo/)### „Deutschland ist noch etwas altmodisch unterwegs“
4 August 2026
[Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen](https://objectway.com/skalierungslucke-warum-ki-investitionen-an-der-kundenschnittstelle-verpuffen/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen
4 August 2026
[OWIN26: as-a-service e AI per trasformare la complessità in efficienza](https://objectway.com/owin26-as-a-service-e-ai-per-trasformare-la-complessita-in-efficienza/)[Article](https://objectway.com/category/article-genitore/article-glo/)### OWIN26: as-a-service e AI per trasformare la complessità in efficienza
8 July 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Webinar
**Tags:** #clientengagement, #customerexperience, #financial-planning, #financialservices, #privatebanking
---
### [Objectway will be 1-Star Sponsor at #TBSCONF24LUX30th January 2024](https://objectway.com/objectway-sponsors-tbs-conf-24-luxembourg/)
**Published:** January 10, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway sponsors the annual #TBSCONF24LUX. Get ready to delve into the transformation undergone by the banking industry.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway will be 1-Star Sponsor at #TBSCONF24LUX
30th January 2024 – We are thrilled to announce our participation to the annual New Year’s Conference in Luxembourg. Get ready to delve into the key topics that are shaping the future of bank.
## Agenda
30th January 2024
13:30 – 18:45
The Paradigm Shift in Banking: Transforming the Rules of Engagement
Kurt Vanhee, Managing Director Continental Europe & North America Objectway
Objectway kicks off the new year with the **fifth TBS Conference in Luxembourg**. The live debates and keynote speeches will examine the transformations undergone by the banking industry, which is currently redefining the way financial institutions engage with their customers.
This profound transformation has at its core **technology**, as it becomes a disruptive force for traditional banking models and an endless source of opportunities.
Get ready to meet us and discover more about how **Objectway Platform** can provide you with an automated and omni-channel strategy to improve client experience and enhance business productivity through integrated digital capabilities.
**[Read the full program](https://tbsconf24lux.thebankingscene.com/program)**: we’re looking forward to meeting you in Luxembourg!
## Event Information
30th January 2024, Confiserie Namur, Rue de Bitbourg 2, 1273 Luxembourg
We’re looking forward to meeting you in Luxembourg!
## Conference Delegates
Kurt Vanhee
With a professional career of nearly 30 years in various roles in large and medium size banking and IT organizations, Kurt has built a strong knowledge of Wealth Management, IT, Customer Delivery and Business Development activities in an international environment. In his current position at Objectway, as Managing Director Continental Europe & North America, he encourages a customer-centric approach.
## Related
[All](#)[\#customerexperience](#)[\#digital-advisory](#)[\#digitaltransformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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---
### [Objectway at the 9th Edition of Private Management Forum by L’Agefi23rd April 2024](https://objectway.com/objectway-at-the-9th-edition-of-private-management-forum-2024-by-lagefi/)
**Published:** April 22, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway invites you to the 9th Edition of Forum Gestion Privée in Paris by L'Agefi to explore Objectway Solutions benefits for clients and advisors.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway at the 9th Edition of Private Management Forum by L’Agefi
23rd April 2024 – Objectway in partnership with L’Agefi invites you to attend the latest Forum Gestion Privée 2024 Edition dedicated to the overriding role played by AI and digitalisation in shaping French Private Banks organisation.
**[ Complete your registration now! ](https://fgp.evenements.agefi.fr/onglet-inscriptions)**
Should you have any questions, do not hesitate to contact us!
## Agenda
Tuesday, 23rd April 2024
Living Room 1
10:30 – 11:00
Experience the difference: Discover how Objectway Solutions optimize Client Engagement and Financial Advice Value
Miroslav Petrov, Objectway Product Director – Investment Compliance
Objectway takes the stage at the **Forum Gestion Privée 2024** by L’Agefi to join industry experts and investigate together what the profile of French private banks is today and how Objectway is a FinTech industry leader in identifying demands and needs to cope with market challenges.
During the **WealthTech Morning Workshop**, **Miroslav Petrov, Objectway Product Director – Investment Compliance**, will be delivering a keynote speech on how **Objectway Solutions** can help private banks to build lasting relationships with customers, improve communication and personalize customer experience.
Objectway workshop will also explore today’s breakthrough value of **Financial Advice** in streamlining business processes, increasing productivity and enabling advisors to provide quality service to their clients.
French Private Banks are set to compete with large international groups in the adoption of new technologies for managing customer demands and investment flows, but will they still be able to remain competitive through the adoption of new customer relationships’ models and challenging market conditions, including rising rates and ESG criteria?
Seize the opportunity to discover more: **[register now](https://fgp.evenements.agefi.fr/onglet-inscriptions)** and get ready to meet us to discuss together this and other topics that could be relevant for you and your organisation!
This session is aimed at the following audience:
- Private management professionals seeking to improve client support and satisfaction
- Advisors and managers looking for solutions to strengthen and improve their effectiveness
## Event Information
23rd April 2024, Shangri-La Hotel, 10 avenue de Iena, 75016, Paris
For more information **[consult here](https://fgp.evenements.agefi.fr/onglet-programme-matin)** the full program!
We’re looking forward to meeting you in Paris!
## Speakers
Miroslav Petrov
Miroslav is a Product Director and Investment Compliance expert at Objectway. He has 20 years of experience in designing and delivering IT solutions for Investment Managers and Asset Servicers across France, EMEA and North America. Prior to joining Objectway he was Head of Innovation and co-founder of a RegTech company providing end-to-end automation of Fund compliance processes. Miroslav holds a Master degree in Business Informatics from Paris Dauphine University.
## Related
[All](#)[\#about-objectway](#)[\#digital-transformation](#)
[Objectway wins eighth consecutive Goodacre Award for Best Wealth Management System](https://objectway.com/objectway-wins-eighth-consecutive-goodacre-award-for-best-wealth-management-system/)[Awards](https://objectway.com/category/article-genitore/awards-glo/)### Objectway wins eighth consecutive Goodacre Award for Best Wealth Management System
11 June 2026
[Objectway recognised again for enabling digital transformation and resilience in financial services](https://objectway.com/objectway-recognised-again-for-enabling-digital-transformation-and-resilience-in-financial-services/)[Awards](https://objectway.com/category/article-genitore/awards-glo/)### Objectway recognised again for enabling digital transformation and resilience in financial services
8 July 2025
[Objectway celebrates twelfth consecutive Goodacre Award, driven by deep client trust and long-standing partnerships](https://objectway.com/objectway-celebrates-twelfth-consecutive-goodacre-award/)[Awards](https://objectway.com/category/article-genitore/awards-glo/)### Objectway celebrates twelfth consecutive Goodacre Award, driven by deep client trust and long-standing partnerships
1 July 2025
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Event
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---
### [Objectway at Compeer WealthTech 202424th April 2024](https://objectway.com/objectway-sponsor-of-wealthtech-2024-by-compeer/)
**Published:** April 23, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will sponsor Compeer WealthTech 2024 next edition investigating the role of emerging technology in client engagement.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway at Compeer WealthTech 2024
24th April 2024 – Objectway will sponsor Compeer WealthTech 2024 next edition investigating the role of emerging technology in client engagement.
Yes, I want to receive updates about Objectway events. I have read and agree with the [Privacy Policy & Terms of Use](/privacy/)Your brand company
## Agenda
24th April 2024
15:00 – 18:00
WealthTech 2024: The Role of Emerging Technology in Client Engagement
Roger Portnoy, Objectway Chief Strategy Officer
Objectway will attend upcoming **Compeer WealthTech 2024 Conference** together with industry professionals and experts to undercover the role that technology can play in driving engagement.
The event will be the opportunity to address some of the main Compeer Surveys results, focusing on the increasing demand for customer experience improvements and on how UK wealth firms are renovating relationship between investors and advisers.
Complete your registration **[following this link](https://compeer.co.uk/event/wealthtech-2024-the-role-of-emerging-technology-in-client-engagement/)** and a member of the Compeer team will then be in touch shortly.
## Event Information
Wednesday 24th April 2024, CBI Offices – 78 Cannon St, London EC4N 6HN
Seize the opportunity to join us and come visit us at our booth.
There is no charge for this event for representatives of wealth management firms and private banks. A charge of £300 + VAT applies for service providers.
CPD certificates will be issued shortly after the event.
We’re looking forward to meeting you in London!
## Speaker
Roger Portnoy
Roger is currently Objectway Chief Strategy Officer, shaping the company’s platform evolution and corporate development. With over 30 years of diverse experience in the financial technology sector, he has improved his competences across investment banks, financial information providers, software vendors and outsourcing firms. Additionally, he is an Advisory Board Member at Accelex, guiding business development efforts and Co-Founder of Porthos & Co. Passionate about leveraging technology to create value for every endeavor, including wealth management, investment research and payments.
## Related
[All](#)[\#compeer](#)[\#customerexperience](#)[\#digitaltransformation](#)[\#wealthmanagers](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
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**Tags:** #compeer, #customerexperience, #digitaltransformation, #wealthmanagers
---
### [Objectway will attend the next edition of AM Tech Day organized by L’Agefi3rd October 2023](https://objectway.com/objectway-will-attend-the-next-edition-of-am-tech-day-in-paris/)
**Published:** October 2, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway is pleased to invite you to the 14th edition of AM Tech Day 2023, the pan-European event organised by L'Agefi.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway will attend the next edition of AM Tech Day organized by L’Agefi
3rd October 2023 – Back for its 14th edition, Objectway is pleased to announce its participation to the AM Tech Day in Paris, the leading event for the asset management industry and its technological transformations.
AM Tech Day 2023: Take back the control of your data!
Objectway partnered with L’Agefi for the last Edition of AM Tech Day in Paris. Miroslav Petrov, Objectway Product Director – Investment Compliance outlined Objectway Platform’s main features and benefits, clarifying how IT applications have become strategic in everyday business management. Watch now the full video interview!
## Agenda
3rd October 2023
8:30 – 17:40
Take back the control of your data!
Miroslav Petrov, Product Director – Investment Compliance Objectway
Kurt Vanhee, Managing Director Continental Europe & North America Objectway
Jos Martens, Senior Business Development Manager, Objectway
During the next edition of the AM Tech Day in Paris, leading voices of the asset management industry and keynote speakers will delve into the **European battle for the ownership and control of financial transformed data and its strategic information**.
Financial institutions are on call for answering to many questions about governance, collection, cleaning, quality and protection of their financial data and they need to make the most of the ongoing revolution in the distribution of products and services, starting from Blockchain and AI applications.
## Event Information
Tuesday, 3rd October 2023, Palais Brongniart, 16 Place de la Bourse, 75002 Paris
Check out **[the full program](https://amtechday.evenements.agefi.fr/en/programme?)** and **[register now](https://amtechday.evenements.agefi.fr/en/inscription-participant-2)** to secure your seat!
We’re looking forward to meeting you in Paris!
## Conference Delegates
Miroslav Petrov
Miroslav is a Product Director and Investment Compliance expert at Objectway. He has 20 years of experience in designing and delivering IT solutions for Investment Managers and Asset Servicers across France, EMEA and North America. Prior to joining Objectway he was Head of Innovation and co-founder of a RegTech company providing end-to-end automation of Fund compliance processes. Miroslav holds a Master degree in Business Informatics from Paris Dauphine University.
Kurt Vanhee
With a professional career of nearly 30 years in various roles in large and medium size banking and IT organizations, Kurt has built a strong knowledge of Wealth Management, IT, Customer Delivery and Business Development activities in an international environment. In his current position at Objectway, as Managing Director Continental Europe & North America, he encourages a customer-centric approach.
Jos Martens
Jos has been working for Objectway since 2006 in a number of international business development, sales and partner management roles. Today he is the Sales and Business Development Director with a focus on Benelux and Nordics areas.
## Related
[All](#)[\#blockchain](#)[\#finance](#)[\#wealth-management](#)[\#wealthtech](#)
[„Deutschland ist noch etwas altmodisch unterwegs“](https://objectway.com/abn-amro-und-hauck-aufhauser-lampe-fusionieren-zur-drittgrosten-privatbank-deutschlands/)[Article](https://objectway.com/category/article-genitore/article-glo/)### „Deutschland ist noch etwas altmodisch unterwegs“
4 August 2026
[Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen](https://objectway.com/skalierungslucke-warum-ki-investitionen-an-der-kundenschnittstelle-verpuffen/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen
4 August 2026
[OWIN26: as-a-service e AI per trasformare la complessità in efficienza](https://objectway.com/owin26-as-a-service-e-ai-per-trasformare-la-complessita-in-efficienza/)[Article](https://objectway.com/category/article-genitore/article-glo/)### OWIN26: as-a-service e AI per trasformare la complessità in efficienza
8 July 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
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**Categories:** Event
**Tags:** #ai, #amtechday, #blockchain, #financialservices, GLO
---
### [Objectway partners with Goodacre at Securities Industry Conference 20235th October 2023](https://objectway.com/objectway-partners-with-goodacre-at-securities-industry-conference-2023/)
**Published:** October 5, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will attend the next edition of Securities Industry Conference in London, check out the event agenda and book now!
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway partners with Goodacre at Securities Industry Conference 2023
5th October 2023 – Objectway will attend the next edition of the Securities Industry Conference in London, check out the event agenda and sign up!
## Agenda
5th October 2023
9:00am – 3:00pm
How will Digital Change Impact the Future of Wealth Management?
Tariq Khan, Objectway Client Development Director
Objectway Solutions’ will take centre stage at the **Securities Industry Conference in London organized by Goodacre**. The event will bring together prominent speakers and industry experts to discuss issues that matter most.
Tariq Khan, Objectway Client Development Director, will underline wealth management future challenges impacted by a shifting business environment and he will define which are the benfits coming from the Objectway Innovation Diamond framework adoption.
Don’t miss the chance to meet us and learn more about how **Objectway Platform** can boost efficiency in your day-to-day tasks, better serve your clients and increase revenues with a smart client management solution.
## Event Information
5th October 2023, M&G Investments, 10 Fenchurch Avenue, London, EC3M 5AG
The conference will qualify for 5 hours of CPD. Lunch will be provided.
For further information about the event registration, **[click here!](https://www.goodacreuk.com/events/forthcoming-events/securities-industry-conference-2023)**
## Speakers
Tariq Khan
Tariq is Client Development Director at Objectway – global player offering end-to-end digital-ready solutions for Wealth, Bank & Asset Managers. Tariq has been working with UK wealth managers for over 10 years, with a focus on digital transformation, advising firms on how they can make the most of digital solutions in order to improve their client experience, operational efficiency, and become future ready.
## Related
[All](#)[\#customerexperience](#)[\#financialservices](#)[\#investmentmanagement](#)[\#wealthtech](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
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**Categories:** Event
**Tags:** #financialservices, #investmentmanagers, #wealth-management
---
### [Key trends and requirements in wealth management](https://objectway.com/key-trends-and-requirements-in-wealth-management/)
**Published:** September 1, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Roger Portnoy, Objectway Chief Strategy Officer explains how wealth management is being reshaped by the need to ensure strong relationships and digital capabilities.
**Content:**
[](/news/)
View all News
# Key trends and requirements in wealth management
4th September 2023 – Wealth management remains one of the most ‘humanised’ types of services offered by banks, asset management firms, and private client-centric organisations.
Wealth management is one of the most prominent segments in the financial industry that relies on trust and consistency. Nevertheless, it is not immune to change, and must itself adjust to new realities. Roger Portnoy, Chief Strategy Officer of WealthTech Objectway explained to IBS Intelligence how the wealth management sector is being reshaped by the need to ensure strong relationships, personalised engagement and to leverage digital capabilities.
Clients want greater control over how they interact and engage, and this needs to include digital channels for communication, decision support, and authorisation when needed. This approach requires the convergence of personalisation, digitisation and a robust client service model.
As with any other business, a diversification in channel distribution is necessary to help a business to operate economically at scale, as well as create a more personalised engagement model that suits its client base. Firms ideally invest in data management and analytics that assist them in capturing and servicing client preferences.
**What are the coming trends in the wealth management space?**
Despite the challenges posed by macroeconomic and geopolitical factors, wealth management spending for innovation is expected to grow steadily across 2023, with various trends happening across this sector’s value chain right now. Wealth managers – and more broadly financial services companies of all types – have been experiencing increasing competition over the past 12 months, finding it particularly challenging to win and retain customers.
Therefore, front-end initiatives (onboarding, digital channels, client engagement, and client acquisition tools) come up as the highest priority when it comes to IT budget increases. Wealth managers believe elevating the client experience is one way they can differentiate themselves and stand out from the competition.
First, firms are continuing to invest in expanding their **omni-channel capabilities** so that they can offer a consistent experience across different forms of engagement. There is a particular emphasis to ensure that security procedures for transactions, communication and authorisation can be handled properly, and comply with data privacy and data protection regulation.
Second, firms are continuing to investigate how much clients want to initiate self-service over managed service provision in their engagement. Managed engagement through client service isn’t also as fast, nor as accurate as client self-service, particularly in relation to capturing and processing on-boarding data, and thus firms are seeking to introduce new ways to **assist clients in being able to self-serve in key areas** where past failures have harmed investor confidence or created reputational damage.
Third, firms are increasingly looking to improve the user experience by embedding more functional APIs in both the early stage of the client lifecycle as well as into key areas like asset transfers, custodial account opening, and corporate action handling. With more vendors able to **provide APIs for efficient data exchange** as well as more advanced business process management, wealth firms are investing more effort into low code/no code solution designs that can make it easier for them to both use APIs as well as alter them when richer data, or a more complex operational need is required. The pace of cloud adoption, the surge in activity around AI, and a focus on investment product and platform innovation projects also highlight the scale of this shift in attitudes.
**What are Objectway’s own customer onboarding strategies?**
Objectway believes that different types of wealth firms, embodying different solution designs, and client profiles, need an adaptive approach. **The firm’s adaptive model** offers clients several different digital configuration options for onboarding. These options can accommodate different client types, as well as incorporate journeys that range from full self-service to full firm-managed, alongside many hybrid approaches in between. Some of these solutions are created to be highly adaptive and responsive to mobile engagement, while others are enabled through digital collaboration between advisers, client service and the end client.
**Are you leveraging newer technology including AI/ChatGPT?**
We’re currently leveraging AI, machine learning and algorithms in the pursuit of superior performance in investing strategies, **more personalised portfolio designs, and more efficient and automated back-office operations**. This comes via using these technologies to improve data extraction and standardisation, while also reducing exception handling by capturing and rectifying data errors before they necessitate costly remediation.
This is the more common pathway for wealth managers to apply such advanced tools in a transformative way. This is because the use of AI in areas like DevOps, pure development, quality assurance, and administration enable these areas to become far more automated, frictionless, and optimised, changing the role of people from one of execution to one of governance, oversight, and enhancement.
On the engagement side, AI already has a significant role to play in helping firms build more frictionless onboarding and engagement journeys and ensuring that bad actors find it very difficult to create denial of service or data intrusion problems. AI can also help with client needs by **enabling advisers to identify the next best action for clients** via their preferences more quickly and to initiate recommendations that can consider a greater variation of attributes.
We have looked at the possibility of pushing AI through large learning models such as ChatGPT into the front office but have seen the industry is not fully comfortable around some of the risks related to machine-based decision support and recommendations within highly regulated functions. Nonetheless, we have clients that are developing investment strategies that leverage pattern recognition to deliver improved risk/reward designs managing portfolios through our investment management solutions, having incorporated our optimisation algorithms to achieve strategic and tactical asset allocation for optimal model portfolios.
**Digital onboarding and digital transformation**
The wealth management industry has two huge opportunities that it is likely to fully meet only through digital transformation as well as the further advancement of digital onboarding. The first of these relates to the generational wealth transfer happening around the world, which will see, for the first time, digital natives become the dominant wealth accumulators in the population. While their direct ownership is still very small relative to baby boomers today, they represent the future for the wealth management industry, and thus look toward digital-first and hybrid solution designs for investment solutions and financial advisory.
These individuals are coming into the market where they – and the regulators – want to see digital solutions provide greater rather than less care, and **support sustainability and suitability in terms of products** and services in a more personalised way. Digital onboarding offers the best way to gather the intelligence needed to understand client objectives, preferences and needs and offer the right solutions in time at the right cost.
At the same time, as this group is growing in importance, baby boomers are living longer, and requiring more complex financial planning in retirement. This creates a huge opportunity for the industry to not only extend and expand its service and solution relationship to assist with wealth preservation and income generation, but also to deliver investment services that can bridge the age divide.
Manual processing, as opposed to digital engagement, and intelligent automation, in the client lifecycle represents not only a significant barrier to profitability, but also to client satisfaction and trust. Firms need to optimise their business configuration to take advantage of technology advancement and excellence in outsourcing where it exists and scales.
[](https://www.linkedin.com/in/roger-portnoy-a16b67/)### Roger Portnoy
Chief Strategy Officer Objectway
## Related
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[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
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[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
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---
### [Objectway is the category winner for “Wealth/Asset Management Platform” in the Chartis BuySide50 Rankings](https://objectway.com/objectway-is-the-category-winner-for-wealth-asset-management-platform-in-the-chartis-buyside50-rankings/)
**Published:** September 11, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway announces it has earned the “Wealth/Asset Management Platform” award in the Chartis BuySide50 2023 report.
**Content:**
[](/news/)
View all News
# Objectway is the category winner for “Wealth/Asset Management Platform” in the Chartis BuySide50 Rankings
12th September 2023 – Objectway, global Top100 FinTech provider of as-a-service software and services to banks, wealth and asset managers, announces it has earned the “Wealth/Asset Management Platform” award in the Chartis BuySide50 2023 report ranking the world’s major players across the investment management lifecycle.
According to the research and advisory firm, Objectway’s Platform merges wealth management tools with state-of-the-art investment and portfolio analytics necessary for navigating current and future markets.
Chartis is a leading a research and advisory firm that provides technology and business consulting to the global risk management industry, helping clients make informed decisions by providing in-depth analysis and actionable advice.
The report ranks the key players operating within the buy-side, focusing on solutions, industry segments, and the scope and breadth of investment lifecycle functionality. It also highlights key trends in the industry, such as the increasing use of artificial intelligence (AI) and machine learning (ML) in risk management and compliance.
Family offices and wealth advisors face challenging investment markets and need more sophisticated tools to optimize their role in the investment management lifecycle. Client management has always been key and now a new level of portfolio modelling, risk/reward and performance analytics is critical to investing. Objectway’s platform merges wealth management tools with state-of-the-art investment and portfolio analytics necessary for navigating current ‒ and future ‒ markets.
[](https://www.linkedin.com/in/james-wolstenholme-b491857/)### Jay Wolstenholme
Chartis Research Director
This win is a reflection of Objectway’s commitment to providing leading solutions and services that address the unique challenges faced by buy-side market participants, helping them solve their most pressing operational challenges, and enabling them to instead focus on growing their business.
[](https://www.linkedin.com/in/luigi-marciano-66b9538/)### Luigi Marciano
Founder & CEO, Objectway
## Related
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[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
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[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
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[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
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**Categories:** Press Release
**Tags:** #customerexperience, #investmentmanagement, #sustainableinnovation
---
### [ESG-Boom in Aussicht](https://objectway.com/esg-boom-in-aussicht/)
**Published:** October 20, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Mit dem wachsenden Bewusstsein für ökologische und soziale Verantwortung hat die Welt der nachhaltigen Investitionen in den letzten Jahren einen bemerkenswerten Aufschwung erlebt. Roger Portnoy, Chief Strategy Officer von Objectway, erzählt uns davon.
**Content:**
[](/news/)
View all News
# ESG-Boom in Aussicht
20\. Oktober – Mit dem wachsenden Bewusstsein für ökologische und soziale Verantwortung hat die Welt der nachhaltigen Anlagen in den letzten Jahren einen beträchtlichen Aufschwung erlebt. Roger Portnoy, Chief Strategy Officer von Objectway, erörtert dieses Thema in einem Interview mit der Finanzwelt.
Weltweit verzeichnet dieser Trend eine enorme Dynamik und zieht immer mehr Anleger an, die ihre Investitionen mit ESG-Kriterien in Einklang bringen möchten.
Doch nicht nur auf globaler Ebene hat dieser Trend an Fahrt aufgenommen, auch in Deutschland gewinnt er zunehmend an Bedeutung. Hierzulande hat der ESG-Boom das Gesamtvolumen nachhaltiger Geldanlagen bereits auf über eine halbe Billion Euro steigen lassen, und diese Zahl wächst weiter. Unternehmen setzen verstärkt auf Innovation und Digitalisierung, um den sich wandelnden Kundenanforderungen gerecht zu werden und ihre Wettbewerbsfähigkeit zu erhalten. Bis 2030 soll sich die Anzahl der Personen mit Interesse an Finanzwerten und Anlagen von aktuell 255 Millionen um sieben bis zehn Prozent vermehren. Gleichzeitig setzen Unternehmen verstärkt auf Innovation und Digitalisierung, um wettbewerbsfähig zu bleiben und den sich ständig wandelnden Kundenanforderungen gerecht zu werden. In dieser Dynamik spielen Technologie und digitale Innovationen eine maßgebliche Rolle, indem sie die Kundenerfahrung verbessern und personalisierte Dienstleistungen im Einklang mit ESG-Werten und digitalen Innovationen bieten, während noch schier unvorstellbare Datenmengen auf den modernen Finanzberater warten: Laut Statistiken soll sich das Volumen der im Jahr 2025 erstellten und replizierten Daten auf 181 Zettabyte belaufen.
ESG als Schlüssel für nachhaltige Kundenbindung und Wachstum
„Die Zukunft der Finanzbranche hängt von 250 Millionen Menschen ab, mit denen Finanzberater noch nie gesprochen haben”, betont Roger Portnoy, Chief Strategy Officer bei Objectway und fährt fort: „Um erfolgreich zu sein, müssen Vermögensverwalter die Wünsche und Bedürfnisse der kommenden Anleger-Generation verstehen, da sie sich erheblich von Baby Boomern unterscheiden.” Junge Anleger legen großen Wert auf nachhaltige Finanzberatung und möchten aktiv an der Demokratisierung alternativer Vermögenswerte teilhaben. Für Vermögensverwalter bedeutet dies, verstärkt auf serviceorientierte Lösungen zu setzen und das Vertrauen der Kunden durch eine stärkere soziale und peer-to-peer Ausrichtung zu gewinnen. Die Herausforderung besteht darin, die Bedürfnisse der verschiedenen Generationen innerhalb einer Familie zu berücksichtigen und maßgeschneiderte nachhaltige Finanzberatung anzubieten.
Veränderte Zielgruppe und explodierendes Wachstum
Die Zielgruppe der Vermögensverwalter verändert sich drastisch, da junge Anleger immer mehr Wert auf nachhaltige Investitionen legen. „Sie werden eine höhere Lebenserwartung haben und daher länger an ihrem Lebensstil festhalten wollen“, erläutert Portnoy. Auch die Familienzusammensetzung werde laut dem Experten für Vermögensverwalter und Kundenbetreuer eine zunehmend wichtige Rolle spielen, da sie sich mit mehr als vier Generationen auseinandersetzen werden, von den Großeltern über die Babyboomer bis zu den jungen Enkelkindern der Generation Z. Die familiäre Perspektive beeinflusst die Servicequalität hinsichtlich Zeit, Zugänglichkeit, Bequemlichkeit und persönlicher Ansprache. In dieser transformierenden Landschaft haben nachhaltige Innovationen und ESG-Angebote die Chance, Anleger auf der Suche nach langfristig sinnvollen Investitionen anzuziehen und zu binden.
Innovative Technologien für eine personalisierte Kundenerfahrung
Im Bestreben, den sich wandelnden Anforderungen der Kunden gerecht zu werden und deren Erfahrung zu verbessern, setzen Banken und Vermögensverwalter vermehrt auf innovative Technologien. Künstliche Intelligenz (KI) spielt dabei eine Schlüsselrolle, um skalierbare, personalisierte und konsistente Dienstleistungen anzubieten.
„Die Veränderungen in der Branche unterstützen die Innovationsbemühungen und sorgen für eine verbesserte Kundenerfahrung”, betont Roger Portnoy. KI-gesteuerte, virtuelle, aber dennoch persönliche Assistenten bieten den Kunden Wissen, datenschutzkonforme automatisierte Entscheidungsfindung, Verhaltenscoaching und ein verbessertes Investmentmanagement. „Durch die Nutzung von Open Finance und die Vernetzung von Ökosystemen können Vermögensverwalter ganzheitliche Beratung anbieten und einen engeren Kontakt zu ihren Kunden herstellen“, so Portnoy. Dabei geht es nicht nur darum, die Kunden zu erreichen, sondern auch darum, sie durch innovative Technologien zu inspirieren und begeistern.
Partnerschaften für nachhaltige Innovation und ESG-fokussierte Lösungen
In der heutigen Zeit sind Partnerschaften mit externen Experten und Technologieanbietern von großer Bedeutung, um nachhaltige Innovationen und ESG-fokussierte Lösungen umzusetzen. Die Zusammenarbeit mit solchen Partnern ermöglicht es Vermögensverwaltern, Zugang zu spezialisiertem Know-how und innovativen Lösungen zu erhalten.
„Die Einbindung strategischer Partner ermöglicht eine effektive Skalierung der nachhaltigen Innovation und schafft die notwendigen Ressourcen, um diese Ziele zu erreichen”, betont Roger Portnoy. Die Zusammenarbeit eröffnet Finanzunternehmen neue Möglichkeiten, um die eigenen Angebote zu erweitern und den Kunden ein breiteres Spektrum an nachhaltigen Investitionsmöglichkeiten anzubieten. Ein attraktives ESG-Angebot bindet Bestandskunden somit langfristig und hilft dabei, neue Kunden zu gewinnen.
Das Familienvermögen und die nachhaltige Finanzberatung stehen dabei im Mittelpunkt der Bedürfnisse junger Vermögensanhäufer. Gleichzeitig benötigen Babyboomer und ältere Anleger Lösungen, die langfristig Wohlstand erhalten.
[](https://www.linkedin.com/in/roger-portnoy-a16b67/)### Roger Portnoy
Chief Strategy Officer Objectway
## Related
[All](#)[\#about-objectway](#)[\#financialservices](#)[\#objectwayplatform](#)[\#unblu](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
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**Categories:** Article
**Tags:** #customerexperience, #digital-transformation, #sustainability, #sustainableinnovation, #wealth-management-trends, ESG
---
### [Objectway and Unblu together for the 16th Edition of Forum Banca organized by iKN Italy4th October 2023](https://objectway.com/objectway-and-unblu-together-for-the-16th-edition-of-forum-banca-organized-by-ikn-italy/)
**Published:** October 3, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway and Unblu attend Forum Banca 2023 to discuss how to gain long-term competitive advantages through new integrated advisory solutions.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway and Unblu together for the 16th Edition of Forum Banca organized by iKN Italy
3rd – 4th October 2023 – Objectway will be Silver Sponsor at Forum Banca 2023 to discuss how to gain long-term competitive advantages through new integrated advisory solutions.
Objectway and Unblu together at Forum Banca 2023
Nicola Pepè, Objectway Senior Business Development Manager and Ricardo Elizo, Unblu Sales Director Iberia & Italy, outline the benefits of their technology partnership designed to improve customer experience through an all-in-one channel. Watch the full interview now!
## Agenda
Main Conference
4th October 2023
15:45
Gaining competitive advantages in investment services through integrated digital and advisory services
Nicola Pepè, Objectway Senior Business Development Manager
Ricardo Elizo, Unblu Sales Director Iberia & Italy
Objectway is delighted to announce its participation with Unblu at the **Forum Banca Main Conference in Milan**. This unmissable event for the financial services industry will be the opportunity to focus on **ESG, Open Finance and new investment approaches** in a constant evolving digital era.
Objectway and Unblu joint speech will delve into **customer experience** to understand how hitting the right targets and gain brand awareness to raise revenues. In particular, the conversation will address the following themes:
- Ease customers’ investment experience in person and virtually
- Leveraging technology to support communication, information sharing and decision-making
- Enhancing trust to drive value and improve business growth
Consult [the full event agenda](https://ikn.it/forum-banca/agenda/#program-14649) and seize the opportunity to meet banks and SGR managers and experts.
## Event Information
4th October 2023, NH Milano Congress Centre, Strada 1A, 20090 Assago, Milan, Italy
For further information about the event registration, **[click here!](https://ikn.it/prodotto/forum-banca/?event=Forum%20Banca)**
## Speakers
Nicola Pepè
Master Degree in Electronic and Telecommunications Engineering, Nicola has been working for Objectway for more than ten years and in 2019 he became Senior Business Development Manager. Customer support, competition analysis and management of the different phases of release and development of the main operating platforms, are just some of the areas where Nicola operates.
Ricardo Elizo
With over 20 years of expertise in Banking Projects focused on customer interaction across various Sales & Channels, including Branches, Online Banking, Mobile Banking, PFM, BFM, CRM, and Advisory Process optimization, Ricardo Elizo brings a wealth of experience to the table. For the past four years, he has been dedicated to serving the needs of Unblu’s esteemed clientele in the South of Europe.
## Related
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[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
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Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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### [Objectway partners with Fintech Farm for the next edition of Nordic Banking Forum11th October 2023](https://objectway.com/objectway-partners-with-fintech-farm-for-the-next-edition-of-nordic-banking-forum/)
**Published:** October 10, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Nordic Banking Forum is back with its 2023 edition and Objectway will be partner to discuss main challenges and strategies that are shaping the future of banking.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway partners with Fintech Farm for the next edition of Nordic Banking Forum
11th October 2023 – Nordic Banking Forum is back with its 2023 edition and Objectway will be partner of the event to discuss main challenges and strategies that are shaping the future of banking.
## Agenda
11th October 2023
9:00 – 16:30
Nordic Banking Forum: Leading Tomorrow’s Bank
Kurt Vanhee, Managing Director Continental Europe & North America Objectway
Jos Martens, Senior Business Development Manager Objectway
**The Nordic Banking Forum** will bring together bank executives from Nordics and Baltics to discuss topical issues around change management, strategies and digitalization.
Considering today’s evolving economic landscape, the conference will focus on the **European Banking System and Monetary Policy** and on how these could impact the financial industry and in particular the Nordic economic outlook.
The Conference will be organized into 4 different phases hosted by keynote speakers and industry experts:
- Economic & Risk Landscape
- Strategic Landscape
- Business Landscape
- Digital Landscape
The event will deepen the role of **Big Data, API and AI** in banking services daily management and on how this is going to sway customer experience and which is the underlying connection between banking and compliance.
Come and meet us at our booth! Get your tickets [here](https://events.helsinkifintech.fi/nordic-banking-forum)!
## Event Information
11th October 2023, Clarion Helsinki, Tyynenmerenkatu 2, 00220, Helsinki
Join us at the event and **[click here to find out more.](https://www.nordicbankingforum.com/agenda)**
We’re looking forward to meeting you in Helsinki!
## Conference Delegates
Jos Martens
Jos has been working for Objectway since 2006 in a number of international business development, sales and partner management roles. Today he is the Sales and Business Development Director with a focus on Benelux and Nordics areas.
Kurt Vanhee
With a professional career of nearly 30 years in various roles in large and medium size banking and IT organizations, Kurt has built a strong knowledge of Wealth Management, IT, Customer Delivery and Business Development activities in an international environment. In his current position at Objectway, as Managing Director Continental Europe & North America, he encourages a customer-centric approach.
## Related
[All](#)[\#financial-planning](#)[\#financialservices](#)[\#fintechglobal](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Event
**Tags:** #digitaltransformation, #finance, #financial-planning, #privatebanking, #wealth-management, #wealthtech, GLO
---
### [Objectway partecipa assieme a Zurich Bank al prossimo AziendaBanca Day9 Novembre 2023](https://objectway.com/objectway-partecipa-assieme-a-zurich-bank-al-prossimo-aziendabanca-day/)
**Published:** October 20, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway e Zurich Bank avranno l’occasione di presentare i risultati positivi derivanti dalla loro collaborazione durante il prossimo evento di AziendaBanca.
**Content:**
[](/webinars-and-events/)
Back to Webinar & Events
# Objectway partecipa assieme a Zurich Bank al prossimo AziendaBanca Day
9 Novembre 2023 – Objectway e Zurich Bank avranno l’occasione di presentare i risultati positivi derivanti dalla loro collaborazione durante il prossimo evento di AziendaBanca. Leggi il programma completo e registrati per riservare il tuo posto.
## Agenda
9 Novembre 2023
10:30 – 11:00
Case History – La nuova piattaforma di Zurich Bank
Michele Tanzi, Market Solution Director, Objectway
Omar Campana, Chief Operating Officer, Zurich Italy Bank
Lo sviluppo di nuove tecnologie e l’implementazione dell’intelligenza artificiale nei processi di investimento e gestione del capitale pongono oggi nuove sfide da affrontare: Objectway ha così portato in produzione una piattaforma di digital advisory che ha permesso alla Banca di migliorare il proprio modello operativo.
Michele Tanzi, Market Solution Director Objectway e Omar Campana, Chief Operating Officer Zurich Bank, ripercorreranno le tappe del loro percorso di collaborazione, mettendo in evidenza gli obiettivi sfidanti del loro progetto e i benefici che ne sono derivati, riassumibili in due punti fondamentali:
- Analizzare i portafogli dei clienti non soltanto in modalità qualitativa ma anche in modalità quantitativa
- Garantire il calcolo delle performance storiche
Lo sviluppo della piattaforma di digital advisory è stato così declinato lungo tre principali linee direttrici:
- Customer centric
- Financial advisory centric
- Consulenza evoluta olistica
La partnership tra Objectway e Zurich Bank è in continua evoluzione e sicuramente ci saranno nuovi progressi finalizzati al rafforzamento del rapporto tra la Banca, i suoi consulenti e i clienti finali.
La partecipazione è gratuita ma riservata ai professionisti che lavorano in banche, compagnie assicurative, società di gestione del risparmio, società di credito al consumo e altre aziende Finance.
**[Iscriviti subito](https://subscribepage.io/taBFeJ)** compilando il form disponibile e vieni a trovarci!
## Event Information
9 Novembre 2023, Hotel Una Verticale, Via Carlo De Cristoforis 6, Milano
## Speakers
Michele Tanzi
Graduated in Computer Science at the University of Bari, he immediately specialized in the analysis and design of software systems for finance and online trading. In 2003 he joined Objectway, where he immediately realized an innovative and complex private wealth management project. Today he is Market Solutions Director and he leads the development of Objectway Wealth Management solutions and provides support to customers for the products’ implementation.
Omar Campana
Omar has worked in IT for more than several years now, holding various positions in different business departments, always focused on Project Management (PMO), Business Process Analysis and Data Center Transformation. After a work experience before within Accenture and then with BPER Banca, in March 2022 he has become Zurich Bank Chief Operating Officer.
## Related
[All](#)[\#compeer](#)[\#digitaltransformation](#)[\#financialservices](#)[\#investmentmanagement](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
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Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
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---
### [Objectway torna come sponsor alla 19ª edizione dell’AIPB Forum 28 Novembre 2023](https://objectway.com/objectway-e-sponsor-di-aipb-forum-private-banking-2023/)
**Published:** November 27, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway è sponsor della nuova edizione dell'AIPB Forum dedicato al mondo del Private Banking. Affrontare le correnti evolutive del settore con nuove tecnologie.
**Content:**
[](/webinars-and-events/)
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# Objectway torna come sponsor alla 19ª edizione dell’AIPB Forum
28 Novembre 2023 – La 19ª edizione dell’AIPB Forum sarà quest’anno orientata alla scoperta delle nuove frontiere del settore del Private Banking, per scoprire come intercettare e soddisfare le esigenze presenti e future dei clienti.
## Agenda
28 Novembre 2023
09:00 – 14:00
Un patto tra le generazioni: l’agenda del private banking
Objectway parteciperà come sponsor alla nuova edizione del Forum del Private Banking con lo scopo di approfondire e cogliere le best practices che stanno portando l’industria del private banking ad una progressiva evoluzione.
Un settore maturo come quello del private banking viene quindi chiamato a fare i conti con le correnti portate avanti dalle nuove generazioni della clientela digitale, la quale considera sempre più gli strumenti e le tecnologie digitali come la base per la propria relazione con il consulente. Quest’ultimo riveste quindi un ruolo ibrido, basato sulla relazione umana e sull’impiego delle tecnologie più disruptive, come l’intelligenza artificiale generativa.
Objectway, in qualità di partner strategico nella trasformazione digitale di banche private, asset e wealth managers, pone particolare attenzione a questi aspetti, nell’ottica di incentivare e migliorare l’onboarding e l’engagement dei clienti finali.
Vieni a trovarci: l’accesso è riservato agli Associati.
## Event Information
Martedì 28 Novembre 2023
Vieni a trovarci a Milano e **[scopri di più!](https://www.aipb.it/it/xix-forum-del-private-banking-un-patto-tra-le-generazioni-lagenda-del-private-banking)**
## Conference Delegates
Michele Tanzi
Graduated in Computer Science at the University of Bari, he immediately specialized in the analysis and design of software systems for finance and online trading. In 2003 he joined Objectway, where he immediately realized an innovative and complex private wealth management project. Today he is Market Solutions Director and he leads the development of Objectway Wealth Management solutions and provides support to customers for the products’ implementation.
Gianbattista Geroldi
Gianbattista leads Objectway’s Italian business and is part of the board of directors of the group, as CEO Italy. With more than 20 years of experience in the financial services industry, Gianbattista held senior management position in investment service software company before joining Objectway. He has successfully driven the operation and sales of several business across the wealth and asset management industry, consolidating the leadership of Objectway’s solutions in the Italian market.
## Related
[All](#)[\#about-objectway](#)[\#client-relationship](#)[\#financialservices](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
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---
### [Objectway at Parkwell Insights Seminar: IT Cost Reduction Strategies29th November 2023](https://objectway.com/objectway-at-parkwell-seminar-it-and-cost-reduction-strategies/)
**Published:** November 28, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will attend Parkwell Seminar 2023 Edition, sponsored by Compeer, to better understand which are the implications of digital transformation
**Content:**
[](/webinars-and-events/)
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# Objectway at Parkwell Insights Seminar: IT Cost Reduction Strategies
29th November 2023 – For the second year in a row, Objectway will attend Parkwell Seminar 2023 Edition, sponsored by Compeer, to better understand which are the implications of digital transformation in the wealth management sector.
## Agenda
29th November 2023
15:45 – 16:00
Why do firms struggle to realise the benefits of digital change?
Tariq Khan, Business Development Director Objectway
At next Parkwell Insights Seminar, Objectway will be pleased to meet with keynote speakers and business experts to explore strategies that wealth management firms can adopt to help reduce their expanding IT costs.
In fact, according to Compeer Limited, **IT costs within the wealth management sector have risen in the past five years** and there are several reasons for this:
- Cost of digital transformation
- Adhere to new regulation and reporting requirements
- Expand capacity to cope with growing business volumes
Nowadays, wealth management firms are called to use a **strategic approach to IT cost transformation** to identify both tactical and strategic opportunities for creating significant and sustainable benefits.
**Tariq Khan, Objectway Business Development Director**, will be happy to share with you fruitful insights on Objectway clients’ cases to explain you how Objectway Solutions can lead to improve customer experience through a fully cloud based infrastructure.
Don’t miss out this opportunity, **[register now!](https://parkwell.co.uk/it-cost-reduction-november-23/)**
## Event Information
29th November 2023, Parkwell Offices, 8 Laurence Pountney Hill, London EC4R 0BE
We’re looking forward to meeting you in London!
## Speaker
Tariq Khan
Tariq is Client Development Director at Objectway – global player offering end-to-end digital-ready solutions for Wealth, Bank & Asset Managers. Tariq has been working with UK wealth managers for over 10 years, with a focus on digital transformation, advising firms on how they can make the most of digital solutions in order to improve their client experience, operational efficiency, and become future ready.
## Related
[All](#)[\#customerexperience](#)[\#digital-advisory](#)[\#digitaltransformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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---
### [Objectway at Wealth Transformation Summit to assess the future of digital transformation30th November 2023](https://objectway.com/objectway-at-wealth-transformation-summit-to-assess-the-future-of-digital-transformation/)
**Published:** November 29, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will attend the next Wealth Transformation Summit, the event dedicated to Wealth Firms to assess the impact of digital transformation
**Content:**
[](/webinars-and-events/)
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# Objectway at Wealth Transformation Summit to assess the future of digital transformation
30th November 2023 – Objectway will attend the Wealth Transformation Summit in London to meet industry professionals from across the wealth management sector.
## Agenda
30th November 2023
12:45 – 13:25
Private Banking in a New Era of Digital Transformation
Jonathan Hartley, Objectway Client Success Director
The 2023 Edition of **Wealth Transformation Summit** explores the impact of **digital transformation** across the sector, providing the tools to optimise performance, drive efficiency and rethink business models through the adoption of new emerging technologies.
Where will digital transformation go next? In an era of increasing competition, outdated legacy systems and heightened customer expectations, digital transformation is vital.
**Jonathan Hartley, Objectway Client Success Director**, will take part to a discussion panel focused on the digital transformation journey that private banks are undertaking. Every transformational roadmap is composed of three main phases: a **starting point** with the definition of a current state, a **destination**, which depends on business maturity and ambition levels, and **milestones**. All these are complex decisions, and they need to be made in a collaborative environment, where Bank and Vendor are partners in transformation.
The panel will be hosted by eminent business professionals and among the main discussions topics there will be:
- How can private banks meet the needs of a changing and increasingly digital-focused customer base?
- What does a digital transformation roadmap look like for today’s private banks?
- How will the emergence of wealth-as-a-service and digital challengers impact the sector?
- What trends and disruptions do private bank leaders predict for the coming years?
Hear from the speakers and engage with them thanks to a rich programme of panels and roundtables to discover more about wealth management firms’ next generation digital journey!
**[Register now](https://wealthtransformationsummit.com/)** to reserve your spot, we’re looking forward to meeting you in London!
## Event Information
30th November 2023, Novotel London West, International Centre, 1 Shortlands, London, W6 8DR
We’re looking forward to meeting you in London!
## Speaker
Jonathan Hartley
Jonathan has been working in the wealth management industry since 2014, leading large scale digital and cultural change initiatives. After a 3-years work experience as Head of Digital Investment Delivery within NatWest Group, Jonathan has joined Objectway as Client Success Director, supporting clients through the adoption of Objectway Platform features.
## Related
[All](#)[\#customerexperience](#)[\#digital-advisory](#)[\#digitaltransformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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---
### [Objectway will attend The Banking Scene Conference 2024 in Amsterdam26th March 2024](https://objectway.com/objectway-will-attend-the-banking-scene-conference-2024-in-amsterdam/)
**Published:** March 20, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway gets ready to meet you in Amsterdam for The Banking Scene Annual Conference in Amsterdam.
**Content:**
[](/webinars-and-events/)
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# Objectway will attend The Banking Scene Conference 2024 in Amsterdam
26th March 2024 – Objectway gets ready to meet you in Amsterdam for The Banking Scene Annual Conference in Amsterdam, the event that brings together +150 attendees for deep discussions and lively debates.
## Agenda
26th March 2024
12:30 – 17:45
The Paradigm Shift in Banking: Transforming the Rules of Engagement
Jos Martens, Objectway Senior Business Development Manager
Objectway is proud to announce its participation in the third Dutch meetup organised by **The Banking Scene.**This year, keynote speakers and panel discussion will be focused on the banking industry current developments and future shifts, especially transforming the rules of engagement.
Technology lies at the heart of this paradigm shift: it has renewed traditional banking models and forced industry professionals to face new challenges and to embrace new opportunities, enhancing customer experiences and streamlining operational efficiency.
Seize the opportunity to meet our experts and discover together Objectway Platform benefits throughout a flexible solution design leveraging the comprehensive suite of end-to-end digital and service capabilities, based on scalable cloud infrastructure.
## Event Information
26th March 2024, Eye Filmuseum, IJpromenade 1, 1031 KT Amsterdam
Curious to find out what #TBSCONF24AMS has to offer? **[Consult the program here](https://tbsconf24ams.thebankingscene.com/program)** and get ready to reserve your seat!
We’re looking forward to meeting you in Amsterdam!
## Conference Delegates
Jos Martens
Jos has been working for Objectway since 2006 in a number of international business development, sales and partner management roles. Today he is the Director Sales and Business Development for Benelux and Nordics areas.
## Related
[All](#)[\#financial-planning](#)[\#financialservices](#)[\#oneobjectway](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Event
**Tags:** #amsterdam, #oneobjectway, #sponsor, #TBSCONF23AMS, GLO
---
### [Objectway attends The City of London Wealth Management Awards 202411th April 2024](https://objectway.com/objectway-attends-the-city-of-london-wealth-management-awards-2024/)
**Published:** April 8, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will sponsor next COLWMA Edition to celebrate best companies and individuals in UK Wealth Management.
**Content:**
[](/webinars-and-events/)
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# Objectway attends The City of London Wealth Management Awards 2024
11th April 2024 – Objectway will sponsor next COLWMA Edition to celebrate best companies and individuals in UK Wealth Management.
## Agenda
11th April 2024
18:00 – 23:00
City of London Wealth Management Awards (COLWMA)
Tariq Khan, Objectway Client Development Director
COLWMA recognises and celebrates the high levels of service and quality from the best companies and individuals in UK Wealth Management. These Awards are highly valued and unique: investors themselves vote with an online poll to determine winners.
The City of London Wealth Management Awards Event is the most suitable occasion to network and gain useful insights on the UK Wealth Management companies that are currently evolving under the impacts of several changes, involving personalised customer experience and AI’s upsurge.
For more than 30 years, Objectway has been a global leader in SaaS solutions for wealth management. With more than 200 customers in 15 countries and a team of over 800 experts, Objectway delivers scalable, resilient and compliant solutions that help financial professionals deliver a more efficient, comprehensive and personalised service while driving digital transformation.
## Event Information
11th April 2024, The Guildhall, Gresham Street, London
To get more information, **[consult the full program here](https://www.goodacreuk.com/forthcoming-trainings/the-city-of-london-wealth-management-awards-2024)** and get ready to reserve your seat!
We’re looking forward to meeting you in London!
## Conference Delegates
Tariq Khan
Tariq is Client Development Director at Objectway – global player offering end-to-end digital-ready solutions for Wealth, Bank & Asset Managers. Tariq has been working with UK wealth managers for over 10 years, with a focus on digital transformation, advising firms on how they can make the most of digital solutions in order to improve their client experience, operational efficiency, and become future ready.
## Related
[All](#)[\#financial-planning](#)[\#financialservices](#)[\#oneobjectway](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Tags:** #oneobjectway, #sponsor, #wealth-management, #wealth-management-trends, #wealthmanagers
---
### [Finanzbranche erwartet dank junger Anleger einen ESG-Boom](https://objectway.com/finanzbranche-erwartet-dank-junger-anleger-einen-esg-boom/)
**Published:** December 7, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Der Boom in der Welt der nachhaltigen Anlagen hat die Anleger dazu veranlasst, ESG-Kriterien in ihre Anlageentscheidungen einzubeziehen.
**Content:**
[](/news/)
View all News
# Finanzbranche erwartet dank junger Anleger einen ESG-Boom
7\. Dezember – Mit dem wachsenden Bewusstsein für ökologische und soziale Verantwortung hat sich in den letzten Jahren ein bemerkenswerter Boom in der Welt der nachhaltigen Geldanlagen entwickelt. Weltweit verzeichnet dieser Trend eine enorme Dynamik und zieht immer mehr Anleger an, die ihre Investitionen mit ESG-Kriterien in Einklang bringen möchten.
Junge Anleger, die soziale und ökologische Faktoren in ihre Entscheidungen einbeziehen, sind eine entscheidende Zielgruppe für die Vermögensverwaltungsbranche.
Doch nicht nur auf globaler Ebene hat dieser Trend an Fahrt aufgenommen, auch in Deutschland gewinnt er zunehmend an Bedeutung. Hierzulande hat der ESG-Boom das Gesamtvolumen nachhaltiger Geldanlagen bereits auf über eine halbe Billion Euro steigen lassen, und diese Zahl wächst weiter. Unternehmen setzen verstärkt auf Innovation und Digitalisierung, um den sich wandelnden Kundenanforderungen gerecht zu werden und ihre Wettbewerbsfähigkeit zu erhalten.
Bis 2030 soll sich die Anzahl der Personen mit Interesse an Finanzwerten und Anlagen von aktuell 255 Millionen um sieben bis zehn Prozent vermehren. Gleichzeitig setzen Unternehmen verstärkt auf Innovation und Digitalisierung, um wettbewerbsfähig zu bleiben und den sich ständig wandelnden Kundenanforderungen gerecht zu werden. In dieser Dynamik spielen Technologie und digitale Innovationen eine maßgebliche Rolle, indem sie die Kundenerfahrung verbessern und personalisierte Dienstleistungen im Einklang mit ESG-Werten und digitalen Innovationen bieten, während noch schier unvorstellbare Datenmengen auf den modernen Finanzberater warten: Laut Statistiken soll sich das Volumen der im Jahr 2025 erstellten und replizierten Daten auf 181 Zettabyte belaufen.
ESG als Schlüssel für nachhaltige Kundenbindung und Wachstum
„Die Zukunft der Finanzbranche hängt von 250 Millionen Menschen ab, mit denen Finanzberater noch nie gesprochen haben“, betont Roger Portnoy, Chief Strategy Officer bei Objectway, und fährt fort: „Um erfolgreich zu sein, müssen Vermögensverwalter die Wünsche und Bedürfnisse der kommenden Anleger-Generation verstehen, da sie sich erheblich von Baby Boomern unterscheiden.“
Junge Anleger legen großen Wert auf nachhaltige Finanzberatung und möchten aktiv an der Demokratisierung alternativer Vermögenswerte teilhaben. Für Vermögensverwalter bedeutet dies, verstärkt auf serviceorientierte Lösungen zu setzen und das Vertrauen der Kunden durch eine stärkere soziale und peer-to-peer Ausrichtung zu gewinnen. Die Herausforderung besteht darin, die Bedürfnisse der verschiedenen Generationen innerhalb einer Familie zu berücksichtigen und maßgeschneiderte nachhaltige Finanzberatung anzubieten.
Veränderte Zielgruppe und explodierendes Wachstum
Die Zielgruppe der Vermögensverwalter verändert sich drastisch, da junge Anleger immer mehr Wert auf nachhaltige Investitionen legen. „Sie werden eine höhere Lebenserwartung haben und daher länger an ihrem Lebensstil festhalten wollen“, erläutert Portnoy. Auch die Familienzusammensetzung werde laut dem Experten für Vermögensverwalter und Kundenbetreuer eine zunehmend wichtige Rolle spielen, da sie sich mit mehr als vier Generationen auseinandersetzen werden, von den Großeltern über die Babyboomer bis zu den jungen Enkelkindern der Generation Z.
„Das Familienvermögen und die nachhaltige Finanzberatung stehen dabei im Mittelpunkt der Bedürfnisse junger Vermögensanhäufer. Gleichzeitig benötigen Babyboomer und ältere Anleger Lösungen, die langfristig Wohlstand erhalten“, fährt der Chief Strategy Advisor bei Objectway fort. Die familiäre Perspektive beeinflusst die Servicequalität hinsichtlich Zeit, Zugänglichkeit, Bequemlichkeit und persönlicher Ansprache. In dieser transformierenden Landschaft haben nachhaltige Innovationen und ESG-Angebote die Chance, Anleger auf der Suche nach langfristig sinnvollen Investitionen anzuziehen und zu binden.
Innovative Technologien für eine personalisierte Kundenerfahrung
Im Bestreben, den sich wandelnden Anforderungen der Kunden gerecht zu werden und deren Erfahrung zu verbessern, setzen Banken und Vermögensverwalter vermehrt auf innovative Technologien. Künstliche Intelligenz (KI) spielt dabei eine Schlüsselrolle, um skalierbare, personalisierte und konsistente Dienstleistungen anzubieten. „Die Veränderungen in der Branche unterstützen die Innovationsbemühungen und sorgen für eine verbesserte Kundenerfahrung”, betont Roger Portnoy.
KI-gesteuerte, virtuelle, aber dennoch persönliche Assistenten bieten den Kunden Wissen, datenschutzkonforme automatisierte Entscheidungsfindung, Verhaltenscoaching und ein verbessertes Investmentmanagement. „Durch die Nutzung von Open Finance und die Vernetzung von Ökosystemen können Vermögensverwalter ganzheitliche Beratung anbieten und einen engeren Kontakt zu ihren Kunden herstellen“, so Portnoy. Dabei geht es nicht nur darum, die Kunden zu erreichen, sondern auch darum, sie durch innovative Technologien zu inspirieren und begeistern.
Partnerschaften für nachhaltige Innovation und ESG-fokussierte Lösungen
In der heutigen Zeit sind Partnerschaften mit externen Experten und Technologieanbietern von großer Bedeutung, um nachhaltige Innovationen und ESG-fokussierte Lösungen umzusetzen. Die Zusammenarbeit mit solchen Partnern ermöglicht es Vermögensverwaltern, Zugang zu spezialisiertem Know-how und innovativen Lösungen zu erhalten. „Die Einbindung strategischer Partner ermöglicht eine effektive Skalierung der nachhaltigen Innovation und schafft die notwendigen Ressourcen, um diese Ziele zu erreichen“, betont Roger Portnoy. Die Zusammenarbeit eröffnet Finanzunternehmen neue Möglichkeiten, um die eigenen Angebote zu erweitern und den Kunden ein breiteres Spektrum an nachhaltigen Investitionsmöglichkeiten anzubieten. Ein attraktives ESG-Angebot bindet Bestandskunden somit langfristig und hilft dabei, neue Kunden zu gewinnen.
Eine starke Ausrichtung auf ESG und nachhaltige Finanzberatung wird daher entscheidend, um die neue Generation anzulocken und zu binden.
[](https://www.linkedin.com/in/roger-portnoy-a16b67/)### Roger Portnoy
Chief Strategy Officer Objectway
## Related
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[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
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[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
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[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
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### [AI in Wealth Management: Challenges and Opportunities](https://objectway.com/ai-in-wealth-management-challenges-and-opportunities/)
**Published:** January 16, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Artificial Intelligence has dominated headlines across industries throughout 2023. Kurt Vanhee gain his insights into the opportunities of AI in wealth management.
**Content:**
[](/news/)
View all News
# AI in Wealth Management: Challenges and Opportunities
17th January 2024 – Rik Coeckelbergs, TBS Founder & CEO, spoke to Kurt Vanhee, Managing Director of Continental Europe & North America at Objectway, to gain his insights into the challenges and opportunities of AI in wealth management, which he ended with a key point to reflect on.
Artificial Intelligence has dominated headlines across industries throughout 2023, but the big question that remains on everyone’s mind is, “How will it impact me?”. From predictive analytics to personalised investment strategies, the world of wealth management is embracing AI to reduce risk, increase efficiency, enhance customer experience, and ultimately improve margins.
**The Banking Scene:** Objectway is a partner in the digital transformation of private banks, wealth and asset management firms, so you can undoubtedly testify to the financial sector’s evolution towards more transparency and customer-centricity. How do you balance that with the massive investments in regulation?
**Kurt Vanhee:** We believe that organisations should look at regulation and compliance as an opportunity instead of a pure obligation. It is a chance for the business to review the client relationship in an effective way. The common misconception that compliance is just a legal requirement, an annoying box to tick, is something that should change. A sound compliance system can help the business achieve better customer engagement, improved customer retention, and a longer retention period for the client.
In that respect, transparency, customer centricity and regulation go hand-in-hand.
The average company perceived GDPR, for example, primarily as a compliance exercise, but GDPR mandates that all information about the customer is documented, and so far, that has not always been the case. So more than an exercise, compliance is also a business opportunity: this is a perfect occasion to review customer insights in the workspace, to make sure to map all the data required and reflect on the business value of the additional insights that are possible. That way, you map critical data for both your compliance department and your sales organisation.
**The Banking Scene:** How can technology support this while keeping transformation costs under control?
**Kurt Vanhee:** First, organisations must reframe compliance and regulation as a business enabler. Once you have reframed the mindset, it is easier to build a compelling business case for your transformation.
Banks, wealth managers and asset managers manage huge volumes of complex and increasingly detailed data. Digital transformation and automation programs can help to reduce the cost of compliance while improving data integrity. That will lead to more valuable insights, both from a customer insights point of view and from a risk point of view.
We believe that these improvements are only possible with smart AI usage. Success will only be possible with quality data and by keeping the end goal in mind from the very beginning, because artificial intelligence is not a solution to everything. Identify what you want to achieve and scan the market for the right vendor that can help you with your specific business case. Together you frame the scope and the problem to solve, and you select the proper tooling based on the data available in your organization.
**The Banking Scene:** What’s the current state of AI adoption in the sector? And where do you see the most uptake of AI technology in wealth management?
**Kurt Vanhee:** It is still early days for AI in wealth management. However, considering the investments made so far in this area, we truly believe there will be a substantial impact, especially if we compare these investments with previous technology adoption cycles. Today, we don’t see large-scale of adoption, but the impact of AI will be critical in the longer term.
The integration of artificial intelligence in the financial sector will certainly further enhance the role of the advisor. The critical question is: how can you simplify their work in a number of areas? Supporting the adviser with additional insights will be pivotal, and that’s where AI will play a role: process automation, personalisation of the relationship, and detecting the perfect time to contact the client, all with a data-driven approach.
We have been using AI to enable our clients to develop better-performing investment strategies. Imagine the advisor suggesting an investment proposal to a client. AI can optimise the model portfolio that the client is connected to. Approaching this in a data-driven architecture leads to a highly personalised portfolio based on a better and more holistic view of the client, ensuring a more precise offer aligned with a client’s wishes and suitability assessment. Combined with a high level of automation of back-office processes, the financial firm can reduce the cost of managing the client relationship in parallel, which leads to higher margins.
Other areas include client onboarding and risk assessment, where again AI has enhanced the role of the advisor who is able to give better advice, with a better understanding of the contextual risks.
Together with the University of Bari, we developed what we call a “customer churn rate prediction system”. Based on vast volumes of both internal and external data, the system detects patterns and predicts when a client is at risk of leaving the firm. Needless to say, these kinds of predictions are of enormous value in wealth management.
**The Banking Scene:** If not used responsibly, AI comes with risks, especially with the outputs not being explainable. How is the industry answering these challenges?
**Kurt Vanhee:** Processing large amounts of data is critical these days. More data is being processed every day, and it’s more complex data. AI can analyse large data sets, identify patterns and generate insights at a scale and speed that is far superior to humans. So, productivity gains and improved customer experience are the key drivers. What is vital in developing these things is transparency and explainability. You can build the best predictions and the most beautiful dashboards, but you still need to deliver transparency, not only internally but also externally. Transparency and explainability are not just a matter of managerial responsibility, but also required from a GDPR point of view.
**The Banking Scene:** I recently spoke to a CIO in the wealth management space and he explained to me that generative AI is just an evolution of many years of new AI developments. We shouldn’t look at it as being a disruptive technology. What’s your take on that statement?
**Kurt Vanhee:** My view is that we should embrace successful adoption, not disruption. If you disrupt something, you do not necessarily know what the result will be. You disrupt, but you don’t know if it will be to your advantage or not. So, successful adoption is all about what we said at the beginning: prioritising the right use cases for a wealth manager.
The target is not implementing AI. The target is the problem you wish to solve.
What is the right use case? Where do I want to put my money on? Identify the business drivers and scan the market properly to find the right technology partners who can work with you.
So, it’s not about introducing new technology. It’s about how and where I will use it.
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
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---
### [Objectway Acquires Nest Wealth, Leading Digital Wealth Solutions Provider in Canada](https://objectway.com/objectway-acquires-nest-wealth-leading-digital-wealth-solutions-provider-in-canada/)
**Published:** January 22, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** By acquiring Nest Wealth, Objectway takes a significant step to expand its capabilities becoming the trusted end-to-end global partner for the wealth industry.
**Content:**
[](/news/)
View all News
# Objectway Acquires Nest Wealth, Leading Digital Wealth Solutions Provider in Canada
22nd January 2024 – Objectway has taken a significant step towards expanding its capabilities and geographic footprint in North America with the acquisition of Nest Wealth. This is a notable milestone in Objectway’s strategy to become the trusted end-to-end global partner for the wealth management industry.
- [EN](#tab-1713966459817-1)
- [IT](#tab-1713966459892-3)
Objectway, the Global Top 100 FinTech provider of as-a-service software and services to banks, wealth and asset managers, announced today the acquisition of Nest Wealth, a leading Canadian provider of digital wealth solutions.
Building on more than 30 years of business expertise, Objectway has built partnerships with banks, wealth and asset management firms to empower and scale their business through cutting-edge software and services, enabling financial institutions of all sizes and geographies to seamlessly embark on their digital transformation journey.
With more than 10 years of market leadership and innovation, Nest Wealth provides digital wealth solutions for onboarding, account opening, and financial planning to some of the largest financial institutions in Canada – including banks, custodians and asset managers – wealth management firms and individual advisors, as well as direct-to-investor investment management services. Clients include half of Canada’s largest six banks as well as National Bank of Canada, National Bank Independent Network, etc.
Canada is recognized as a market with a growing population and a sophisticated financial eco-system. As a result, the country is one of the top ten most important wealth markets and one of the regions with the largest distribution of wealth advisory services per individual in the world.
By adding Nest Wealth client onboarding and financial planning complementary solutions to Objectway’s capabilities, the Group will enhance its wealth and investment management offering, marketing this to existing and new clients in Canada and the US.
In EMEA, the acquisition also provides the opportunity to further expand and enrich the firm’s wealth solutions design model across the value chain to offer best-in-class digital client onboarding and planning solutions on top of its advisory services, discretionary portfolio management and back-office operations.
The Nest Wealth team has built a remarkable digital wealth platform with an eminent client base. We look forward to working with them to maximise our business potential, grounded on our common focus on digital innovation and on the same modular, flexible and “as-a-service” approach. This acquisition marks a significant milestone in our growth and global expansion strategy, enabling us to establish and broaden our market presence in North America and to offer an even more comprehensive range of innovative products and services to existing and new customers in both the EMEA and North American regions in which we operate.
[](https://www.linkedin.com/in/luigi-marciano-66b9538/)### Luigi Marciano
Objectway Founder & Group CEO
We are thrilled to join the Objectway Group, an innovative and highly respected company with a proven track record in the industry. This will accelerate our expansion across the North American region, and open up additional market opportunities in EMEA. In Objectway, we have found the perfect partner, giving our employees and customers continuity, stability and an exciting future of continuous development to solve their problems.
[](https://www.linkedin.com/in/randycass/)### Randy Cass
Nest Wealth Founder & CEO
Objectway was advised by Deloitte, Deloitte Legal and Alpeggiani Avvocati Associati.
Nest Wealth was advised by Ascent Line Partners and Wildeboer Dellelce LLP.
BNL is acting as sole lead manager and bookrunner on the associated financing which will involve also SIMEST.
About Nest Wealth
Founded in 2014, Nest Wealth began by creating Canada’s first Software as a Service (SaaS) digital wealth management platform, with the goal of increasing investor access to sophisticated wealth management advice.
Over time, Nest Wealth’s digital wealth solutions also empower wealth management firms and individual advisors to provide and manage virtually any investment for any investor through any distribution channel.
Today, Nest Wealth’s digital solutions are used by well-established financial institutions across North America, including the National Bank of Canada, to deliver superior investment experiences to clients. Nest Wealth also offers an automated, low-fee and transparent direct-to-investor wealth management solution that makes it easier for thousands of Canadians to reach their financial goals.
Objectway compie un passo significativo verso l’espansione delle proprie soluzioni e della presenza in Nord America. Si tratta di una tappa fondamentale nella strategia per diventare il partner end-to-end di fiducia per il wealth management a livello globale.
Objectway, Top 100 FinTech provider di software as-a-service e servizi per banche, wealth e asset manager, ha annunciato oggi l’acquisizione di Nest Wealth, fornitore canadese leader nelle soluzioni di digital wealth.
In oltre 30 anni di esperienza nel settore, Objectway ha costruito partnership con banche, wealth e asset manager per accrescere e scalare il loro business grazie a software e servizi all’avanguardia, consentendo alle istituzioni finanziarie di ogni dimensione e area geografica di intraprendere agevolmente il loro percorso di trasformazione digitale.
Con oltre 10 anni di leadership di mercato e di innovazione, Nest Wealth fornisce soluzioni di digital wealth per l’onboarding e la pianificazione finanziaria ad alcune delle più grandi istituzioni finanziarie del Canada – tra cui banche, banche depositarie e asset manager – a società di wealth management e consulenti finanziari, oltre a servizi di gestione degli investimenti diretti agli investitori. Tra i clienti figurano metà delle sei maggiori banche canadesi, nonché National Bank of Canada, National Bank Independent Network, ecc.
Il Canada è caratterizzato da una popolazione in crescita e da un sofisticato ecosistema finanziario. Di conseguenza, il Paese è uno dei dieci mercati più importanti per il wealth management e una delle regioni con la maggiore distribuzione di servizi di consulenza finanziaria per individuo al mondo.
Integrando le soluzioni complementari di Nest Wealth per l’onboarding dei clienti e la pianificazione finanziaria, Objectway migliorerà l’offerta dedicata al wealth e investment management, commercializzandola a clienti nuovi ed esistenti in Canada e negli Stati Uniti.
In EMEA, questa acquisizione offre l’opportunità di espandere e arricchire ulteriormente il design delle soluzioni di wealth management dell’azienda lungo tutta la catena del valore, per offrire le più avanzate soluzioni di digital client onboarding e financial planning in aggiunta ai servizi di consulenza, porftolio management e back-office.
Il team di Nest Wealth ha realizzato una notevole piattaforma di digital wealth con un’importante base clienti. Non vediamo l’ora di lavorare insieme per massimizzare il nostro potenziale di business, basato sulla comune attenzione all’innovazione digitale e sullo stesso approccio modulare, flessibile e as-a-service. Questa acquisizione segna una tappa significativa nella nostra strategia di crescita ed espansione globale, permettendoci di stabilire e ampliare la nostra presenza sul mercato nordamericano e di offrire una gamma ancora più completa di prodotti e servizi innovativi a clienti nuovi ed esistenti, sia in EMEA che in Nord America.
[](https://www.linkedin.com/in/luigi-marciano-66b9538/)### Luigi Marciano
Fondatore e CEO del Gruppo Objectway
Siamo entusiasti di entrare a far parte del Gruppo Objectway, un’azienda innovativa e molto apprezzata con una comprovata esperienza nel settore. Questo accelererà la nostra espansione in Nord America e ci aprirà ulteriori opportunità di mercato in EMEA. Con Objectway abbiamo trovato il partner perfetto, che offre ai nostri collaboratori e clienti continuità, stabilità e un promettente futuro caratterizzato da una continua evoluzione per soddisfare le esigenze del mercato.
[](https://www.linkedin.com/in/randycass/)### Randy Cass
Fondatore e CEO di Nest Wealth
Objectway è stata assistita da Deloitte, Deloitte Legal e Alpeggiani Avvocati Associati.
Nest Wealth è stata assistita da Ascent Line Partners e Wildeboer Dellelce LLP.
BNL ha agito in qualità di sole lead manager e bookrunner del relativo finanziamento che coinvolgerà anche SIMEST.
About Nest Wealth
Founded in 2014, Nest Wealth began by creating Canada’s first Software as a Service (SaaS) digital wealth management platform, with the goal of increasing investor access to sophisticated wealth management advice.
Over time, Nest Wealth’s digital wealth solutions also empower wealth management firms and individual advisors to provide and manage virtually any investment for any investor through any distribution channel.
Today, Nest Wealth’s digital solutions are used by well-established financial institutions across North America, including the National Bank of Canada, to deliver superior investment experiences to clients. Nest Wealth also offers an automated, low-fee and transparent direct-to-investor wealth management solution that makes it easier for thousands of Canadians to reach their financial goals.
## Related
[All](#)[\#compeer](#)[\#customerexperience](#)[\#financialservices](#)[\#markettrends](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
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**Categories:** Press Release
**Tags:** #digital-advisory, #digital-transformation, #nestwealth, #oneobjectway
---
### [Droht Banken ohne Hyperautomatisierung Kundenverlust?](https://objectway.com/droht-banken-ohne-hyperautomatisierung-kundenverlust/)
**Published:** January 30, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Roger Portnoy, Chief Strategy Officer, erklärt der Börse München, wie hyper-automatisierte Lösungen und RPA-Technologien das traditionelle Bankenmodell verändern können.
**Content:**
[](/news/)
View all News
# Droht Banken ohne Hyperautomatisierung Kundenverlust?
30\. Januar 2024 – Deutschland hinkt bei der Digitalisierung hinterher, und das betrifft auch den Finanzsektor. Dabei nimmt der Druck auf Asset Manager und Vermögensverwalter durch den Aufstieg von Fintechs zu. Roger Portnoy, Chief Strategy Officer von Objectway, erörtert die Rolle der Digitalisierung bei der Neudefinition der Beziehung zwischen Banken und Kunden.
Aktuell verschärft sich der Wettbewerbsdruck auf traditionelle Banken. Diese stehen vor der Mammutaufgabe, den rasant wachsenden Erwartungen ihrer Kunden gerecht zu werden.
Besonders bei der Kontoeröffnung kommt es dieser Tage zu Effizienz- und Informationsmängeln, sodass 20 Prozent der Neukunden bereits während des Onboarding-Prozesses abwandern. Auch die in den letzten Jahren immer strengeren Datenschutzregulierungen und hochkomplizierten Infrastrukturen sind oft sehr herausfordernd für viele Finanzinstitute.
Die Digitalisierung einzelner Teilbereiche der Kundenkommunikation reicht nicht mehr aus und Banken sind nunmehr darauf angewiesen, schnellstmöglich die Automatisierung ihrer Geschäftsprozesse auf die nächste Stufe zu heben. Wer wettbewerbsfähig bleiben möchte, muss auch ‚State of the Art‘ agieren.
Laut einer Umfrage eines führenden Forschungs- und Beratungsunternehmens aus dem Jahr 2023 betrachten 73 Prozent der privaten Finanzinstitute Neo-Banken als eine zunehmende Wettbewerbsbedrohung. Die Digitalisierung des Prozesses zur Kontoeröffnung für Neukunden wurde als entscheidende Maßnahme angesehen, um wettbewerbsfähig zu bleiben. Doch das ist schon lange ein Schmerzpunkt der Finanzbranche: Manuelle, unzusammenhängende und papierbasierte Prozesse sind nach wie vor weit verbreitet, und die Datenweitergabe an das Back-End ist lückenhaft.
Der durchschnittliche Onboarding-Prozess dauert 22 Tage, was für Kunden, Mitarbeiter und Berater frustrierend ist. Als Ergebnis verlassen 20 Prozent der potenziellen Neukunden das Unternehmen, noch bevor ihr Eingliederungsprozess abgeschlossen ist. Banken fällt es schwer, eine Customer Journey zu bieten, die vollständig auf die Bedürfnisse der Kunden ausgerichtet ist und nicht auf das Produkt.
Eine Weiterentwicklung der Kundenbetreuung
Auf Basis jahrzehntelanger Erfahrung arbeiten wir aktuell an hyperautomatisierten Front-End-Lösungen – einer entscheidenden Weiterentwicklung für die Kundenbetreuung in der Finanzbranche. Sie sind häufig durch die Entwicklung von Geschäftssilolösungen belastet. Diese hindern sie daran, eine ganzheitliche Darstellung eines Kunden sowie den Umfang der Daten zu erhalten, die zur Optimierung des Kundenerlebnisses erforderlich sind. Es könnte möglich sein, virtuelle Unterstützung einzuführen, die mit RPA-Techniken (Intelligent and Robotic Process Automation) verknüpft ist, um einige dieser systemübergreifenden Übersetzungs-, Format- und Prozessprobleme zu überwinden, ohne dass teure Middleware vollständig erstellt und gewartet werden muss. Es gibt auch Möglichkeiten, Single-Sign-On-Lösungen in Kombination mit einer getrennten Architektur für die Präsentations- und Geschäftslogikebene zu verwenden, um einen einheitlichen „Look and Feel“ sowie funktionale Abläufe zu schaffen. Ein intelligentes Geschäftsprozessdesign maximiert dabei die Wiederverwendung dieser Datensätze.
Kunden fordern Fintech-Agilität auch von traditionellen Großbanken
Das Front-End spielt als primäre Schnittstelle zwischen Anlegern und Kundenbetreuern eine entscheidende Rolle für die Kundenbindung in der Finanzbranche. Es ermöglicht die Bearbeitung von Anfragen, fördert die Finanzbildung der Anleger und kann auf individuelle Vorlieben zugeschnitten werden. Inspiriert durch die Erfahrungen der großen Fintech-Unternehmen, wachsen die Anforderungen der Nutzer an ihre Kundenerfahrung. Bankkunden fordern Flexibilität, ein hohes Maß an Personalisierung und eine optimierte Benutzeroberfläche. Dabei spielen UX/UI und Design eine immer zentralere Rolle. Sie sollen zusätzlich zu Funktionalität auch das Markenimage des Unternehmens widerspiegeln. Kunden fordern dieselbe Agilität und Individualisierung von großen Banken, die sie bei Technologie-getriebenen Finanzdienstleistungsunternehmen (Fintech) wahrzunehmen glauben.
Dabei wird außenvorgelassen, dass sie nicht dieselben Charakteristiken aufweisen. Unserer Erfahrung nach vertreiben diese Unternehmen in der Regel einfachere Produkte an weniger komplexe Kunden, die sich oft sehr ähnlich sind.
Das führt zu der Annahme, dass sie auf eine bestimmte Art von Kundenpersönlichkeit zugeschnitten sind. Traditionelle Institute lernen zwar vom Fintech-Ansatz, wenden jedoch nicht genügend Zeit auf das Änderungsmanagement des Kundenverhaltens auf. So machen sie zwar einen digitalisierten ersten Eindruck, hinken aber bei der Ausführung und Kundenzufriedenheit hinterher.
Auch die für Großbanken charakteristische und komplexe Infrastruktur, nach der die einzelnen Geschäftsbereiche in voneinander unabhängige Silos aufgeteilt sind, erschwert die Einführung ganzheitlicher Lösungen für Onboarding- und Kommunikationsprozesse.
Compliance, Datenschutz und Sicherheit fordern Bankwesen heraus
Das Hauptproblem für die Branche besteht nicht darin, die Erwartungen an neue Technologiestandards zu verstehen. Vielmehr haben regulierte Unternehmen Schwierigkeiten, die hohen Anforderungen der Compliance und des Infrastrukturmanagements mit den Datenschutz-und Sicherheitsbeschränkungen in Einklang zu bringen, die ihnen über alle Fulfillment-, Beziehungsmanagement- und Produktherstellungssysteme hinweg auferlegt werden. Die Einhaltung der umfassenden ESG-Verpflichtungen erfordert dabei eine sorgfältige und kanalübergreifende Überwachung aller Kundenbindungsprozesse. Gleichzeitig wachsen die Anforderungen der Aufsichtsbehörde in Hinblick auf den Schutz von Kundenvermögen- und Identitäten.
Der Balanceakt zwischen dem erhöhten Schutz und der Wahrung der Privatsphäre ist die zentrale Herausforderung der Digitalisierung für Finanzinstitute. Schaffen sie es, diese Hürde zu überwinden, können besonders große Banken von positiven Kettenreaktionen profitieren, die sich aus einem KI-gestützten Front-End ableiten: Klienten werden ab dem ersten Touch-Point mit ihrem Kundenbetreuer mit individualisierten Angeboten versorgt. Dies steigert die Kundenzufriedenheit, erhöht Konversionsraten bei Kontoeröffnungen und verkürzt die Zeitspanne für Kapital- und Vermögensbewegungen.
Neben der Einsparung von Ressourcen liegt ein zentraler Vorteil in den digitalen Daten, die über ein hyperautomatisiertes Front-End zu Kunden gesammelt werden. Diese können als Grundlage für weitere digitale Marketingbemühungen dienen. So können zum Beispiel ergänzende Lösungen und Finanzdienstleistungen an Klienten vermittelt werden.
Die Ausschöpfung des vollen Potenzials einer stark personalisierten Customer Journey kann zu einem höheren Lifetime Value und einer längeren Verweildauer bei verbesserten Margen führen. Eine gelungene Customer Journey führt häufig auch zu einer verbesserten Kundenzufriedenheit. Das liegt daran, dass bis zur Erfüllung des Auftrags von Kunden eine bestimmte Kombination von Faktoren als besonders positiv reflektiert wird: Die “Channel Convenience” sollte hoch sein, gleichzeitig die investierte Zeit und der Aufwand geringgehalten werden.
Das Ziel ist es, den Onboarding-Prozess zu optimieren und Produkte sowie Kontolösungen nach individuellen Kundenbedürfnissen anzupassen. Für die Banken bedeutet das: höhere Konversionsraten bei der Kontoeröffnung, verkürzte Zeitspannen für Kapital- und Vermögensbewegungen und einen sowohl langlebigen als auch flexiblen Lösungsansatz, bei dem verschiedenen Arten von Finanzprodukten kombiniert werden können.
[](https://www.linkedin.com/in/roger-portnoy-a16b67/)### Roger Portnoy
Objectway Chief Strategy Officer
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8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
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[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
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### [KI im Bankwesen 2024: Die wichtigsten Fragen und Antworten](https://objectway.com/ki-im-bankwesen-2024-die-wichtigsten-fragen-und-antworten/)
**Published:** February 8, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Auf Basis gezielter Fragen liefert der Experte eine Prognose für die Auswirkungen von KI auf die Finanzbranche für das Jahr 2024.
**Content:**
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# KI im Bankwesen 2024: Die wichtigsten Fragen und Antworten
8\. Februar 2024 – Die Zeiten, in denen Finanzdienstleister in Deutschland künstlicher Intelligenz nur zaghaft begegneten, sind vorbei. Banken, Vermögensverwalter und Asset Manager haben KI eindeutig als eine der strategisch wichtigsten Technologien für die Branche erkannt.
Laut einer Studie von Global Data werden Retail-Banken bis 2024 voraussichtlich 4,9 Milliarden US-Dollar für KI-Plattformen ausgeben, was einem jährlichen Wachstum von 21,8 Prozent ab 2019 entspricht. Eine Herausforderung hierbei ist, zu identifizieren, wo genau diese Investitionen getätigt werden müssen.
“Banken nutzen KI bisweilen hauptsächlich zur Steigerung der betrieblichen Effizienz und nicht zur Erzielung von Einnahmen”, meint Karl im Brahm, CEO der DACH-Region von Objectway, einem Software- und Dienstleistungsanbieter für Banken, Vermögensverwalter und Asset Manager. Zusätzlich dazu weist der Experte jedoch auf ein weiteres bedeutendes Investitionsziel hin: die an KI gebundenen Personalausgaben. “Im Gegensatz zum voraussichtlichen Risiko des Stellenabbaus machen sich die Unternehmen mehr Sorgen über ihre Personalbemühungen im Zusammenhang mit KI und Machine Learning”, erklärt im Brahm.
“Potenzial, einen Wert von 200 bis 340 Milliarden US-Dollar zu generieren”
Fehlende fachliche Kenntnisse stehen ganz oben auf der Liste der Herausforderungen für Banken, die KI einsetzen: Marktumfragen ergaben, dass 31 Prozent der Befragten eine Umschulung bestehender Mitarbeiter für notwendig halten, während 27 Prozent der Meinung sind, dass sie neue Mitarbeiter einstellen müssen, um mit den neuen Technologien richtig umgehen zu können. Wer jetzt richtig investieren würde, könne 2024 davon profitieren, weiß Karl im Brahm.
Auf Basis gezielter Fragen liefert der Experte eine Prognose für die Auswirkungen von KI auf die Finanzbranche für das Jahr 2024.
Im Bereich der Finanzdienstleistungen hat die generative KI das Potenzial, einen Wert von 200 bis 340 Milliarden US-Dollar zu generieren. Das stellt einen Anteil von 2,8 bis 4,7 Prozent des gesamten Branchenumsatzes dar.
[](https://www.linkedin.com/in/karl-im-brahm/)### Karl im Brahm
Objectway CEO DACH Region
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8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
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[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
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### [Objectway named as a Strong Performer in analyst report on Digital Wealth Management Platforms](https://objectway.com/objectway-named-as-a-strong-performer-in-analyst-report-on-digital-wealth-management-platforms/)
**Published:** February 13, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway has been positioned as a Strong Performer in “The Forrester Wave™: Digital Wealth Management Platforms, Q1 2024.
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# Objectway named as a Strong Performer in analyst report on Digital Wealth Management Platforms
13th February 2024 – Placing as a Strong Performer, Objectway “maintains a thoughtful, innovative roadmap that considers customer feedback, regulatory and technology considerations, and developments in the competitive landscape.”
Objectway has been positioned as a Strong Performer in “The Forrester Wave™: Digital Wealth Management Platforms, Q1 2024” 1.
According to the report, “wealth management firms should look for providers that: leverage data and analytics to enhance the investor and advisor experience… offer broad access to innovative fintech solutions… \[and\] communicate a compelling vision focused on technology as a differentiator.”
When assessing Objectway’s strategy, the Forrester evaluation stated that “A key part of this strategy is to **embed AI capabilities** such as automated recommendations and next best action **throughout its offering** while using explainable AI to confirm that those embedded capabilities are free of bias. Objectway maintains a **thoughtful, innovative roadmap** that considers customer feedback, regulatory and technology considerations, and developments in the competitive landscape. Objectway also has a **strong partner ecosystem**.”
The report also noted that “Objectway’s key strength is its front-end experience, including its investor/advisor portal and its cross-channel capabilities. The advisor portal provides unified perspectives of a customer’s assets under management and total wealth, tracks portfolio risk and cash flows, and offers visuals of a portfolio’s deviation from its targeted allocations. The platform offers real-time collaboration, including secure chat, screen sharing, and remote video communication between customer and advisor.”
Objectway has developed a cloud-based platform that facilitates various client interactions with financial advisors and wealth management firms. To achieve this, the company has incorporated **AI capabilities** such as explainable AI features, Machine Learning, Investment Science algorithms, Robotic Process Automation, automated recommendations and next best actions throughout its offering.
1 The Forrester Wave™: Digital Wealth Management Platforms, Q1 2024
We are particularly pleased with the recognition we have received from our clients. As stated in the Forrester report, ‘Reference customers noted that Objectway is a strong partner during implementation and knowledgeable about how its platform integrates with the customer’s system. In an increasingly challenging economic and competitive environment, wealth management firms need tools that help them attract new clients, deliver a better client experience and reduce costs. We believe this recognition from Forrester is further evidence of our commitment to delivering superior scalability for greater performance through our complete, modular, front-to-back platform.
[](https://www.linkedin.com/in/luigi-marciano-66b9538/)### Luigi Marciano
Founder & CEO Objectway Group
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[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
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### [Die Top-3-Herausforderungen für Finanzunternehmen](https://objectway.com/die-top-3-herausforderungen-fur-finanzunternehmen/)
**Published:** February 22, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Die Finanzunternehmen müssen sich auf 3 Trends einstellen: Kosten, Mitarbeiterschulung, neue Investitionsanforderungen. Dies ist die Perspektive von Alberto Cuccu, COO Objectway.
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# Die Top-3-Herausforderungen für Finanzunternehmen
23\. Februar 2024 – Der globale Markt für Vermögensverwaltung wächst rasant. Einem Bericht des Marktforschungsinstituts Zion zufolge soll er bis 2030 einen Wert von 3,48 Billionen US-Dollar erreichen, wobei das stärkste Wachstum im europäischen Raum erwartet wird. Trotz dieses Trends hinken deutsche Vermögensverwalter immer stärker hinterher. Sie erzielen geringere Gewinne als ihre internationalen Konkurrenten und verlieren so erhebliche Marktanteile an ausländische Banken.
Das Jahr 2024 wird deutsche Unternehmen nun vor neue Herausforderungen stellen. Alberto Cuccu, Chief Operating Officer von Objectway, prognostiziert, dass Banken sich auf drei Trends einstellen müssen: Die Anforderungen der Anleger befinden sich im Wandel, die Regulierungskosten werden weiter steigen und die Gewinnung neuer Talente sowie die Aus- und Weiterbildung bestehender Mitarbeiter wird immer entscheidender.
Millennial-Anleger erfordern neues Level der Kundenberatung
Um die Kundenzufriedenheit sicherzustellen, müssen Asset Manager und Vermögensverwalter die Anforderungen ihrer Anleger genau kennen. „In den kommenden Jahren wird sich das zu verwaltende Vermögen allmählich auf die Millennials verlagern – dies wird ein Umdenken im klassischen Wealth Management erfordern“, weiß Alberto Cuccu. Die Generation der Millennials wird sowohl ihr eigenes Vermögen aufbauen, als auch von einer Erbschaftswelle profitieren und somit einen wesentlichen Teil des künftig angelegten Kapitals ausmachen. Zusätzlich zu traditionellen physischen Treffen werden diese „Digital Natives“ neue Beratungswege über automatisierte digitale Kanäle verlangen, die rund um die Uhr verfügbar sind. Cuccu betont dabei: „Vor allem wollen sie über Produkte und Märkte aufgeklärt werden. Schlagworte und Trends wie ‚Gamification‘, ‚educate your customer‘, ‚Opti-Channel-Kontakt‘ und ‚phygital‘ bereiten den meisten traditionellen Wealth Managern Kopfzerbrechen. Die Frage, wie diese neuen Technologien und Kanäle mit dem bestehenden Beratungsansatz und der Infrastruktur in Einklang gebracht werden können, wird ebenso entscheidend sein, wie die Segmentierung der Zielgruppen.“ Banken werden demnach ein neues Gleichgewicht zwischen persönlichem Kontakt mit messbarem Mehrwert und den technologiebasierten Kommunikations-und Vertriebskanälen der nächsten Generation finden müssen.
Kostenprobleme deutscher Banken – FinTechs als Chance
Während der internationale Vermögensmarkt den Höhepunkt der Einkommenskrise überwunden hat, kämpfen deutsche Wealth Manager weiterhin mit zu hohen Kosten. Ein Problem stellen die strengen behördlichen Anforderungen dar, so Alberto Cuccu: „Deutsche Finanzinstitute investieren einen erheblichen Teil ihres Budgets in Projekte, die von den Regulierungsbehörden beauftragt werden.“ Dabei müssen sie in der Lage sein, umfassende und komplexe Daten auf Abruf zu liefern. Viele deutsche Finanzunternehmen kämpfen jedoch mit veralteten Betriebsmodellen, die nicht in der Lage sind, die Auflagen kosten- und zeiteffizient zu erfüllen. Banken müssen das Wealth Management schnell neu erfinden, um nicht langfristig auf dem heutigen niedrigen Rentabilitätsniveau zu verharren. Eine Möglichkeit kann beispielsweise die Kooperation mit FinTechs sein. Innovative Vermögensverwalter haben bereits verstanden, dass auf diese Weise ihr Dienstleistungsangebot sinnvoll ergänzt werden kann.
Herausforderung Humankapital
Die richtigen Mitarbeiter sind ausschlaggebend für den Erfolg jedes Finanzunternehmens. „Eine passende menschliche Interaktion bestimmt die Kundenzufriedenheit und kann den entscheidenden Wettbewerbsvorteil ausmachen“, betont Alberto Cuccu. Gleichzeitig weist er darauf hin, dass die Rekrutierung und langfristige Bindung neuen Personals zukünftig zu den Hauptherausforderungen für Vermögensverwalter zählen werden. Die angehende Arbeitnehmergeneration hat noch keinen Arbeitsmarktengpass miterlebt und ist sehr anspruchsvoll. Finanzunternehmen werden stärker auf ihre Bedürfnisse eingehen müssen, um Talente anzuwerben. Aber auch das bestehende Personal wird erhebliche Investitionen fordern. Vor allem die Berater müssen ihre Fähigkeiten im Umgang mit verschiedenen Kommunikationskanälen verbessern, den strategischen Einsatz von Technologien wie KI erlernen und neue Kundensegmente zielgerichtet ansprechen und informieren können. Künstliche Intelligenz birgt hier vor allem die Chance, „die Produktivität bestehender Mitarbeiter um bis zu fünf Prozent zu steigern und das Talentmanagement sowie die Bereitstellung von Produkten und Dienstleistungen zu verbessern“, so der Experte abschließend.
Die Entwicklung und der Einsatz innovativer Technologien werden für Banken zunehmend zu einem entscheidenden Differenzierungsmerkmal.
[](https://www.linkedin.com/in/alberto-cuccu-21a401/)### Alberto Cuccu
Chief Operating Officer, Objectway
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[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
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[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
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### [Wie deutsche Finanzunternehmen zurück in die Erfolgsspur kommen](https://objectway.com/wie-deutsche-finanzunternehmen-zuruck-in-die-erfolgsspur-kommen/)
**Published:** March 12, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Die deutsche Vermögensverwaltungsbranche schrumpft, so Alberto Cuccu, COO von Objectway. Drei Maßnahmen können das zukünftige Wachstum von Finanzdienstleistungen unterstützen.
**Content:**
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# Wie deutsche Finanzunternehmen zurück in die Erfolgsspur kommen
13\. März 2024 – Der deutsche Markt für Vermögensverwaltung schrumpft und erzielt geringere Gewinne als die internationale Konkurrenz, stellt Alberto Cuccu vom Fintech Objectway fest. Und nennt drei wichtige Maßnahmen, die Finanzdienstleister hierzulande wieder nach vorn bringen können.
Der globale Markt für Vermögensverwaltung wächst rasant. Einem Bericht des Marktforschungsinstituts Zion zufolge soll er bis 2030 einen Wert von rund 3,5 Billionen US-Dollar erreichen, wobei das stärkste Wachstum im europäischen Raum erwartet wird.
Trotz dieses Trends hinken deutsche Vermögensverwalter immer stärker hinterher. Sie erzielen geringere Gewinne als ihre internationalen Konkurrenten und verlieren so erhebliche Marktanteile an ausländische Banken. Das Jahr 2024 wird deutsche Unternehmen nun vor neue Herausforderungen stellen.
Banken müssen sich auf drei Trends einstellen: Die Anforderungen der Anleger befinden sich im Wandel, die Regulierungskosten werden weiter steigen und die Gewinnung neuer Talente sowie die Aus- und Weiterbildung bestehender Mitarbeiter wird immer entscheidender. Die Entwicklung und der Einsatz innovativer Technologien werden für Banken zunehmend zu einem entscheidenden Differenzierungsmerkmal.
Generationswechsel: Millennial-Anleger erfordern neue Kundenberatung
Um die Kundenzufriedenheit sicherzustellen, müssen Asset Manager und Vermögensverwalter die Anforderungen ihrer Anleger genau kennen. In den kommenden Jahren wird sich das zu verwaltende Vermögen allmählich auf die Millennials verlagern – dies wird ein Umdenken im klassischen Wealth Management erfordern.
Die Generation der Millennials wird sowohl ihr eigenes Vermögen aufbauen, als auch von einer Erbschaftswelle profitieren und somit einen wesentlichen Teil des künftig angelegten Kapitals ausmachen. Zusätzlich zu traditionellen physischen Treffen werden diese Digital Natives neue Beratungswege über automatisierte digitale Kanäle verlangen, die rund um die Uhr verfügbar sind. Vor allem wollen sie über Produkte und Märkte aufgeklärt werden. Schlagworte und Trends wie Gamification, Educate your customer, Opti-Channel-Kontakt und Phygital bereiten den meisten traditionellen Wealth Managern Kopfzerbrechen.
Die Frage, wie diese neuen Technologien und Kanäle mit dem bestehenden Beratungsansatz und der Infrastruktur in Einklang gebracht werden können, wird ebenso entscheidend sein, wie die Segmentierung der Zielgruppen. Banken werden demnach ein neues Gleichgewicht zwischen persönlichem Kontakt mit messbarem Mehrwert und den technologiebasierten Kommunikations- und Vertriebskanälen der nächsten Generation finden müssen.
Kostenprobleme deutscher Banken – Fintechs als Chance
Während der internationale Vermögensmarkt den Höhepunkt der Einkommenskrise überwunden hat, kämpfen deutsche Wealth Manager weiterhin mit zu hohen Kosten. Ein Problem stellen die strengen behördlichen Anforderungen dar. Deutsche Finanzinstitute investieren einen erheblichen Teil ihres Budgets in Projekte, die von den Regulierungsbehörden beauftragt werden. Dabei müssen sie in der Lage sein, umfassende und komplexe Daten auf Abruf zu liefern.
Viele deutsche Finanzunternehmen kämpfen jedoch mit veralteten Betriebsmodellen, die nicht in der Lage sind, die Auflagen kosten- und zeiteffizient zu erfüllen. Banken müssen das Wealth Management schnell neu erfinden, um nicht langfristig auf dem heutigen niedrigen Rentabilitätsniveau zu verharren. Eine Möglichkeit kann beispielsweise die Kooperation mit Fintechs sein. Innovative Vermögensverwalter haben bereits verstanden, dass auf diese Weise ihr Dienstleistungsangebot sinnvoll ergänzt werden kann.
Herausforderung Humankapital: Produktivität steigern mittels KI
Die richtigen Mitarbeiter sind ausschlaggebend für den Erfolg jedes Finanzunternehmens. Eine passende menschliche Interaktion bestimmt die Kundenzufriedenheit und kann den entscheidenden Wettbewerbsvorteil ausmachen. Gleichzeitig weist er darauf hin, dass die Rekrutierung und langfristige Bindung neuen Personals zukünftig zu den Hauptherausforderungen für Vermögensverwalter zählen werden.
Die angehende Arbeitnehmergeneration hat noch keinen Arbeitsmarktengpass miterlebt und ist sehr anspruchsvoll. Finanzunternehmen werden stärker auf ihre Bedürfnisse eingehen müssen, um Talente anzuwerben. Aber auch das bestehende Personal wird erhebliche Investitionen fordern. Vor allem die Berater müssen ihre Fähigkeiten im Umgang mit verschiedenen Kommunikationskanälen verbessern, den strategischen Einsatz von Technologien wie KI erlernen und neue Kundensegmente zielgerichtet ansprechen und informieren können.
Künstliche Intelligenz birgt hier vor allem die Chance, die Produktivität bestehender Mitarbeiter um bis zu fünf Prozent zu steigern und das Talentmanagement sowie die Bereitstellung von Produkten und Dienstleistungen zu verbessern.
[](https://www.linkedin.com/in/alberto-cuccu-21a401/)### Alberto Cuccu
Chief Operating Officer, Objectway
## Related
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[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
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### [Die top drei Herausforderungen für deutsche Finanzunternehmen 2024](https://objectway.com/die-top-drei-herausforderungen-fur-deutsche-finanzunternehmen-2024/)
**Published:** March 28, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Auch das Jahr 2024 wird deutsche Finanzunternehmen herausfordern. Wir prognostizieren drei zentrale Entwicklungen für die Branche.
**Content:**
[](/news/)
View all News
# Die top drei Herausforderungen für deutsche Finanzunternehmen 2024
2\. April 2024 – Auch das Jahr 2024 wird deutsche Finanzunternehmen herausfordern. Wir prognostizieren drei zentrale Entwicklungen für die Branche. Die Finanzinstitute müssen sich frühzeitig auf den Generationswechsel bei ihren Anlegern einstellen und die Kundenbetreuung hochstufen.
Der deutsche Markt für Vermögensverwaltung schrumpft weiter und erzielte im letzten Jahr geringere Gewinne als die internationale Konkurrenz. Außerdem wird es von wesentlicher Bedeutung sein, Regulierungskosten beispielsweise durch die Kooperation mit FinTechs zu minimieren. Ebenso werden qualifizierte Mitarbeiter und Berater nur von jenen Unternehmen angezogen werden, die in moderne, produktivitätssteigernde Technologien wie KI investieren. Der digitale Fortschritt wird maßgeblich sein, um den Rückstand aufzuholen.
Der globale Markt für Vermögensverwaltung wächst rasant. Einem Bericht des Marktforschungsinstituts Zion zufolge soll er bis 2030 einen Wert von 3,48 Billionen US-Dollar erreichen, wobei das stärkste Wachstum im europäischen Raum erwartet wird. Trotz dieses Trends hinken deutsche Vermögensverwalter immer stärker hinterher. Sie erzielen geringere Gewinne als ihre internationalen Konkurrenten und verlieren so erhebliche Marktanteile an ausländische Banken. Das Jahr 2024 wird deutsche Unternehmen nun vor neue Herausforderungen stellen. Banken müssen sich auf drei Trends einstellen: Die Anforderungen der Anleger befinden sich im Wandel, die Regulierungskosten werden weiter steigen und die Gewinnung neuer Talente sowie die Aus- und Weiterbildung bestehender Mitarbeiter wird immer entscheidender. Die Entwicklung und der Einsatz innovativer Technologien werden für Banken zunehmend zu einem entscheidenden Differenzierungsmerkmal.
Generationswechsel: Millennial-Anleger erfordern neues Level der Kundenberatung
Um die Kundenzufriedenheit sicherzustellen, müssen Asset Manager und Vermögensverwalter die Anforderungen ihrer Anleger genau kennen. In den kommenden Jahren wird sich das zu verwaltende Vermögen allmählich auf die Millennials verlagern – dies wird ein Umdenken im klassischen Wealth Management erfordern. Die Generation der Millennials wird sowohl ihr eigenes Vermögen aufbauen, als auch von einer Erbschaftswelle profitieren und somit einen wesentlichen Teil des künftig angelegten Kapitals ausmachen. Zusätzlich zu traditionellen physischen Treffen werden diese „Digital Natives“ neue Beratungswege über automatisierte digitale Kanäle verlangen, die rund um die Uhr verfügbar sind. Vor allem wollen sie über Produkte und Märkte aufgeklärt werden. Schlagworte und Trends wie ‚Gamification‘, ‚educate your customer‘, ‚Opti-Channel-Kontakt‘ und ‚phygital‘ bereiten den meisten traditionellen Wealth Managern Kopfzerbrechen. Die Frage, wie diese neuen Technologien und Kanäle mit dem bestehenden Beratungsansatz und der Infrastruktur in Einklang gebracht werden können, wird ebenso entscheidend sein, wie die Segmentierung der Zielgruppen. Banken werden demnach ein neues Gleichgewicht zwischen persönlichem Kontakt mit messbarem Mehrwert und den technologiebasierten Kommunikations- und Vertriebskanälen der nächsten Generation finden müssen.
Kostenprobleme deutscher Banken – FinTechs als Chance
Während der internationale Vermögensmarkt den Höhepunkt der Einkommenskrise überwunden hat, kämpfen deutsche Wealth Manager weiterhin mit zu hohen Kosten. Ein Problem stellen die strengen behördlichen Anforderungen dar: Deutsche Finanzinstitute investieren einen erheblichen Teil ihres Budgets in Projekte, die von den Regulierungsbehörden beauftragt werden. Dabei müssen sie in der Lage sein, umfassende und komplexe Daten auf Abruf zu liefern. Viele deutsche Finanzunternehmen kämpfen jedoch mit veralteten Betriebsmodellen, die nicht in der Lage sind, die Auflagen kosten- und zeiteffizient zu erfüllen. Banken müssen das Wealth Management schnell neu erfinden, um nicht langfristig auf dem heutigen niedrigen Rentabilitätsniveau zu verharren. Eine Möglichkeit kann beispielsweise die Kooperation mit FinTechs sein. Innovative Vermögensverwalter haben bereits verstanden, dass auf diese Weise ihr Dienstleistungsangebot sinnvoll ergänzt werden kann.
Herausforderung Humankapital: Produktivität steigern mittels KI
Die richtigen Mitarbeiter sind ausschlaggebend für den Erfolg jedes Finanzunternehmens. Eine passende menschliche Interaktion bestimmt die Kundenzufriedenheit und kann den entscheidenden Wettbewerbsvorteil ausmachen. Die Rekrutierung und langfristige Bindung neuen Personals werden zukünftig zu den Hauptherausforderungen für Vermögensverwalter zählen. Die angehende Arbeitnehmergeneration hat noch keinen Arbeitsmarktengpass miterlebt und ist sehr anspruchsvoll. Finanzunternehmen werden stärker auf ihre Bedürfnisse eingehen müssen, um Talente anzuwerben. Aber auch das bestehende Personal wird erhebliche Investitionen fordern. Vor allem die Berater müssen ihre Fähigkeiten im Umgang mit verschiedenen Kommunikationskanälen verbessern, den strategischen Einsatz von Technologien wie KI erlernen und neue Kundensegmente zielgerichtet ansprechen und informieren können. Künstliche Intelligenz birgt hier vor allem die Chance, die Produktivität bestehender Mitarbeiter um bis zu fünf Prozent zu steigern und das Talentmanagement sowie die Bereitstellung von Produkten und Dienstleistungen zu verbessern.
Ein Problem stellen die strengen behördlichen Anforderungen dar: Deutsche Finanzinstitute investieren einen erheblichen Teil ihres Budgets in Projekte, die von den Regulierungsbehörden beauftragt werden.
[](https://www.linkedin.com/in/alberto-cuccu-21a401/)### Alberto Cuccu
Chief Operating Officer, Objectway
## Related
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[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
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### [Evolving Trends in Outsourcing Models for Wealth and Asset Management Firms: Objectway’s Response to Growing Client Interest](https://objectway.com/evolving-trends-in-outsourcing-models-for-wealth-and-asset-management-firms-objectway-response/)
**Published:** April 10, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** In the dynamic landscape of wealth and asset management, the paradigm of outsourcing is undergoing significant shifts, driven by a confluence of factors.
**Content:**
[](/news/)
View all News
# Evolving Trends in Outsourcing Models for Wealth and Asset Management Firms: Objectway’s Response to Growing Client Interest
10th April 2024 – In this interview with Managers of Wealth, Roger Portnoy, Objectway Chief Strategy Officer, unlocks his perspective on the role of outsourcing in the wealth and asset management industry as it continues its growth for assuring operational efficiency.
In the dynamic landscape of wealth and asset management, the paradigm of outsourcing is undergoing significant shifts, driven by a confluence of factors such as technological advancements, regulatory pressures, and evolving client expectations.
**MoW:** What trends is Objectway observing in client interest regarding service delivery via outsourcing models?
**Roger Portnoy:** We have noted a growing trend among clients, especially in the UK and Europe, towards requesting service delivery through outsourcing models.
Traditionally, organisations have relied on legacy installations and on-premises maintenance models. However, even the most conservative private banking groups are now recognising the benefits of outsourcing, particularly in terms of cost efficiency, sustainability management, and enhanced service accessibility through cloud solutions. The pace of change may vary, but the direction towards outsourcing is well-established.
**MoW:** What are the main considerations for firms exploring outsourcing options?
**Roger Portnoy:** As the discussion around outsourcing expands, we have observed a notable shift from being solely a concern of CIOs and CTOs to becoming an active dialogue led by COOs. This reflects a broader organisational recognition of the potential benefits of outsourcing across compliance, administrative, reporting, transactional, and account management areas.
Firms must consider their operational capacity, skills, return on investment, and the desired level of client engagement. Depending on their size and business focus, firms may opt for different outsourcing models, ranging from custodial partnerships to comprehensive operational outsourcing. It’s crucial that outsourcing solutions are tailored to fit the specific needs and operational capacities of each firm. For smaller firms, outsourcing operational and compliance responsibilities to regulated custodial partners can offer significant advantages in reducing regulatory burdens and capital requirements. Conversely, larger firms with diverse client bases may opt for a more selective approach, retaining certain operational functions in-house while outsourcing others to achieve cost efficiencies.
**MoW:** How to cater to different firm sizes and business needs in outsourcing?
**Roger Portnoy:** While full lift and shift models offer immediate cost savings and scalability benefits, they also pose risks related to reputation, service quality, and future operational harmonisation. We acknowledge the potential benefits but emphasize the importance of careful consideration and planning, and of working with partners who have a proven track record in this area and who offer an elastic rather than rigid approach. As such, it means that applications across the entire value chain must be sufficiently open and modular, so that they can co-exist and interoperate with other systems.
For example, if portal technologies and external management of 3rd party services via Software-as-a-Service (SaaS) are the initial area of outsourcing, the starting point for digital and operational transformation, we can create an integrated technology and operational managed service to ensure performance with innovation and cost management.
As business and value propositional development evolve, perhaps extending into the manufacturing, maintenance, and distribution of investment solutions, we can extend the presence of its capabilities to cater to this requirement, in turn, improving the quality and depth of client reporting, and the operational effectiveness of investment management advisory services.
Executing this evolution through SaaS, along with other operational services in areas like data management, tax reporting, and market connectivity management (for FIX, Swift, and Banking services for example) can be bundled into the offering, allowing further externalisation to be achieved.
We can continue to expand this model into a fully managed business process service to support order management, and investment operations, but it can just as easily compartmentalise its contribution. This means that customers can utilise which ever client money management model best suits their proposition, including both those that are best run with some internal ownership, as well as those where depositary banks, or wealth custodians will be using their own permissions to regularly report to the authorities on client money activities.
**MoW:** How do you envision the future of outsourcing in the wealth and asset management industry?
**Roger Portnoy:** We anticipate continued growth in outsourcing adoption, driven by the need for cost management, operational efficiency, and regulatory compliance.
Modularity and interoperability are key aspects to consider when approaching outsourcing. By adopting open and modular applications that integrate seamlessly with existing systems, customers can design outsourcing solutions that align with their value proposition and operational preferences. They can also reduce complexity and cost, while enabling cross-border standardisation.
Moreover, an optimal partnership model should extend beyond technology to encompass comprehensive business process services, including order management and investment operations. This holistic approach allows clients to externalise various aspects of their operations while maintaining control over critical functions, ensuring a seamless transition to outsourcing.
By providing phased approaches to digital and operational transformation, clients of all sizes can align outsourcing solutions with their unique value propositions and business strategies.
[](https://www.linkedin.com/in/roger-portnoy-a16b67/)### Roger Portnoy
Objectway Chief Strategy Officer
## Related
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[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
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### [Objectway at #79 in the 2019 IDC Fintech Rankings by IDC Financial Insights](https://objectway.com/objectway-at-79-in-the-2019-idc-fintech-rankings-by-idc-financial-insights/)
**Published:** September 24, 2019
**Author:** leo aloi
**Excerpt:** Objectway rose five positions in the most authoritative top 100 list of global experts and technology providers of financial and banking technology
**Content:**
# Objectway at #79 in the 2019 IDC Fintech Rankings by IDC Financial Insights
24 September 2019 – Objectway announced they have ranked #79 on the 2019 IDC FinTech Rankings. This is the fifth consecutive year Objectway have appeared on this prestigious list.
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Objectway, a leading provider in the Digital Wealth, Investment & Asset Management sector, announced they have ranked #79 on the 2019 IDC FinTech Rankings. This is the fifth consecutive year Objectway have appeared on this prestigious list. The company rose five positions in the most authoritative top 100 list of global providers of financial technology.
The Fortune 500-style ranking categorises and evaluates the top global providers of financial technology based on calendar year revenues from financial institutions.
To thrive in a digital economy, financial services organizations must embrace innovative and integrate cutting edge technology effectively to enhance the customer experience and achieve operational excellence. Being featured on the IDC FinTech Rankings represents committment to helping financial institutions successfully execute their digital transformation initiatives for their customers.
The upgraded solution is a solid foundation to build upon with the upcoming launch of their future digital solutions to help improve prospecting, onboarding and servicing capabilities.
[Top 100](https://cdn.idc.com/prodserv/insights/RESOURCES/ATTACHMENTS/Final_Rankings_2020_Top_100_and_Ent_25_and_RR_Winners.pdf?guid=04913c67-d8a7-4848-adec-6f7e4170dc12)
Having improved our ranking by five positions in the IDC top 100 testifies how our growth strategy is effectively working. Our combination of financial expertise and technology patterns with a deep understanding of the market’s specific business needs brings to the market the credibility of an established player and the innovation of a dynamic fintech.
[](https://www.objectway.com/)### Luigi Marciano
CEO and Founder, Objectway
Being named in the IDC FinTech Rankings is a significant accomplishment, demonstrating a provider’s commitment to the success of its financial institution clients. The IDC Fintech Rankings, now in its 16th year, is the global standard list of fintech providers to the industry, and we congratulate the 2019 winners.
[](https://www.idc.com/prodserv/insights/#financial)### Marc DeCastro
Research Director, IDC Financial Insights
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[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
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### [Objectway shortlisted for the WealthBriefing European Awards 2019](https://objectway.com/objectway-shortlisted-for-the-wealthbriefing-european-awards-2019/)
**Published:** February 4, 2019
**Author:** leo aloi
**Excerpt:** Objectway has been shortlisted for the WealthBriefing European Awards 2019 in four different categories.
**Content:**
# Objectway shortlisted for the WealthBriefing European Awards 2019
4 February 2019 – Objectway has been shortlisted for the WealthBriefing European Awards 2019 in four different categories. Winners will be announced at a gala dinner in London.
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**We are proud to announce that Objectway has been shortlisted for the WealthBriefing European Awards** in the following categories:
**FRONT OFFICE SOLUTION**
**TRANSACTION PROCESSING SOLUTION**
**ONBOARDING**
**CHANGE MANAGEMENT PROCESS/BEST IMPLEMENTATION OF A TECHNOLOGY SOLUTION**
Showcasing ‘best of breed’ providers in the global private banking, wealth management and trusted advisor communities, the awards were designed to recognise companies, teams and individuals which the prestigious panel of judges deemed to have ‘demonstrated innovation and excellence during 2018’.
Winners will be announced at a gala awards dinner, which will be held in London on **11 April** at The Guildhall.
## Related
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[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
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### [Unblu and Objectway partner to enhance digital customer experience for wealth firms](https://objectway.com/unblu-and-objectway-partner-to-enhance-digital-customer-experience-for-wealth-firms/)
**Published:** June 20, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** The strategic partnership will integrate Unblu’s digital collaboration capabilities with Objectway’s Omnichannel Client Lifecycle Management solutions.
**Content:**
# Unblu and Objectway partner to enhance digital customer experience for wealth firms
20th June 2023 – The strategic partnership will integrate Unblu’s digital collaboration capabilities with Objectway’s Omnichannel Client Lifecycle Management solutions to further enrich the company’s digital front end offering for wealth, asset and banking services.
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Unblu, leading Conversational Engagement Platform, and Objectway, top 100 global provider of as-a-service software and services for financial institutions, have announced a strategic partnership to enable wealth and investment firms to build more successful, effective and profitable client relationships.
By integrating Unblu’s capabilities, Objectway enhances their Omnichannel Client Lifecycle Management solutions to provide personalised digital advice, boost online onboarding and conversions, and to exploit customer-facing time more effectively.
The pooling of Unblu’s and Objectway’s solutions is now offering a superior client experience by enhancing client-advisor digital communication and collaboration tools, improving customer satisfaction and streamlining operations for financial institutions, ultimately leading to investors’ trust increase and growth in AUM for wealth and investment managers.
Clients will also benefit from enhanced secure data handling, flexible cloud deployment and full compliance with the regulators, having Unblu achieved SOC 2 Type 2 compliance certification last year.
The partnership focuses on two initial cases for client interaction management: ongoing relationship management and the help desk. With the help desk integration, financial institutions will be able to provide swift, seamless digital support in a secure environment. The relationship management capabilities, on the other hand, will ensure that clients and relationship managers have all the tools at their disposal to schedule one-to-one meetings, interact, and collaborate across devices and channels. These secure and flexible end-to-end conversational solutions will foster stronger relationships and enhance customer satisfaction.
Moving forward, Unblu and Objectway plan to explore new use cases and functionalities, allowing financial institutions to benefit from an ever-expanding array of digital engagement and collaboration tools. As the partnership progresses, additional integrations and deliverables will be developed to meet the evolving needs of the industry.
At Unblu, we understand the role that communication plays in a wealth management context. Advisors need to be available on the channel of the client’s choice to build long-term relationships, and the challenge is to make this communication secure and compliant. We’re confident that this partnership will ensure that Objectway’s customers have all the tools they need to provide meaningful advice and meet their evolving expectations.
[](https://www.linkedin.com/in/luchaldimann/)### Luc Haldimann
CEO, Unblu
Objectway shares with Unblu the same technology-forward mindset. This makes us able to offer ongoing innovation and support within our partnership, to ensure financial institutions stay ahead of industry trends and emerging technologies. Together, we bring on the market customisable, scalable, and seamlessly integrable solutions that allow for their quick implementation, but also ensure that our customers can offer a truly hybrid service thanks to an enhanced digital offering.
[](https://www.linkedin.com/in/alberto-cuccu-21a401/)### Alberto Cuccu
Chief Solution Officer, Objectway
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[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
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[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
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---
### [A battle plan to win on Customer Experience](https://objectway.com/a-battle-plan-to-win-on-customer-experience/)
**Published:** March 31, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** The importance of customer experience has grown dramatically over the past five years, with a shift in a quest to retain existing clients and attract new ones.
**Content:**
# A battle plan to win on Customer Experience
3rd April 2023 – The importance of customer experience has grown dramatically over the past five years, with a shift in a quest to retain existing clients and attract new ones. Wealth & Investment Managers know this and now are acting on it. Read more about it with Hassan Suffyan, Objectway Managing Director UK & Ireland last interview for the Winter Pimfa Journal 2023.
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The importance of customer experience has grown dramatically over the past five years, with a shift in a quest to retain existing clients and attract new ones. On one side, it is much in demand by clients expecting to have their services and products easily accessible and to receive personalised and tailored advice from their wealth manager; on the other, wealth managers themselves want to differentiate from competition to capture a greater share of wallet and benefit from referrals.
Although wealth management has always relied heavily on being a bespoke service mainly delivered in person, things have changed. The expectation is that financial advice will be delivered not just via the relationship with the wealth manager, but also through the quality and the content of **digital interactions.**
Let’s think about the investor portal. Suppose a client has mentioned to the wealth manager that they have a particular interest in, say, carbon-neutral investments. In that case, they now expect to see interesting content within the client portal. They might also want to see a list of coherent investment strategies and vehicles together with some performance data. To enhance the overall experience, a dynamic portal should enable effective advice to make recommendations based on the client’s preferences and constraints, using augmented intelligence and algorithms to design an optimised investment proposal.
The nature of the actual communication with the adviser is also critical to the customer experience. A personalised portal can create a **‘wow’ moment with the customer**. If they can then act quickly by having access to the adviser over the channel of their choice and at their preferred time, then that consolidates the wow factor. It is also important to remember that an **omni-opti-channel** does not mean factoring out face to- face contact. Having the choice over how and when to contact the adviser just deepens the relationship and makes it more likely that the number of touchpoints will go up, thus making the face-to-face more beneficial and informed when it does happen.
That’s why most wealth managers are aiming to improve their **hybrid operating model**. Face-to-face and remote are not mutually exclusive. Obviously, for some things, a client just wants to log on and check something out; for others, they need a face-to-face in-depth meeting.
Customer Experience and the ability to scale
This all contributes to the excellence of customer experience, but it also drives efficiency and scale. If the wealth managers have a dynamic system to strengthen client relationship through integrated digital capabilities, they are able to deal with a greater number of clients and thus concentrate on their core business doing more in less time, **adding scale through efficiency**.
Indeed, scale is the second part of the equation – it is no use being able to attract and retain clients if the cost to serve remains sky-high. So too, does the ability to procure and treat data at the back end so that it is fit for purpose at the front, delivering customer experience and the ability to scale. Firms need to be sure that they have true front-to-back integration to win the battle for customer experience and scalability.
Objectway’s research with financial firms’ senior executives identifies that wealth managers know all of this, as improving the customer experience is at the very top of their agenda. So, it is no surprise that seven out of 10 firms are looking to invest in their digital estate.
Digital change is massively driven by customer experience, digitisation not only enhances it, but also makes for **operation automation and efficiency** too. This makes for better business as having a good customer experience makes for **retention, greater share of wallet, and referrals**.
To give some examples, specifically to what extent technological change is having an impact on customer experience and what can be achieved via a **customer centric approach**, one of our wealth manager clients upped their digital engagement (as measured by how often the client logged in) from 25% to 60% within 12 months of investing in joined-up and digital technology.
For another client, investing in technology to enhance the customer experience meant increasing its Assets Under Management (AUM) by 25% due to new client growth, along with share of wallet and referrals. Front office productivity also boomed, with advisers managing some 20% more clients than previously due to efficiency gains.
For wealth managers, the next few years need to be about the evolution to a client-led enterprise. Firms must overcome cultural and adviser inertia to prepare for a new generation of clients while not abandoning their core constituency. According to several market studies, in fact, digital-first applies to all segments of clients. Regardless of AUM, they will ask to pick and choose different modules of advice, products, and services to create their own personalised experience. So, the client-led enterprise has to be enabled by technology. Digital solutions will form the base layer to cater to more traditional, higher wealth clients, who increasingly expect enhanced digital experiences along with traditional human-led bespoke service offerings, along with a digital-native younger generation of clients inheriting wealth.
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7 September 2026
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---
### [Objectway in the WealthTech100 for the fifth consecutive year](https://objectway.com/objectway-included-in-the-wealthtech-100-for-the-fifth-year/)
**Published:** April 13, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway, leading provider of as-a-service software and service platform to banks, wealth and asset managers, has been awarded as one of the top 100 WealthTech.
**Content:**
# Objectway in the WealthTech100 for the fifth consecutive year
13th April 2023 – Objectway has been awarded for the fifth year in a row as one of the top 100 WealthTech companies of 2023.
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Objectway, leading provider of as-a-service software and service platform to banks, wealth and asset managers, has been awarded for the fifth year in a row as one of the top 100 WealthTech companies of 2023.
The esteemed data and research firm **FinTech Global** has presented a comprehensive overview of the next-generation most prominent and promising players in the asset and wealth management arena shaping the future of the investment industry.
The Advisory Board and FinTech Global team set out to find the best and brightest companies that are solving the industry’s most significant problems, **raising capital, generating revenue, and gaining customer traction**.
They looked for companies that not only offer innovation in their technology solutions but also potential cost savings, efficiency improvements, and **impact on the value chain for clients**.
For executives in asset management, private banking, and financial advisory, knowing about these companies is essential. Last year’s economic and geo-political happenings, in addition to increased customer demand for best-practice digital experience have accelerated innovation in the investment sector. Many wealth firms are considering **technology** as one of the pivotal aspects of managing and growing their business.
Objectway’s consecutive presence on the top 100 highlights our unwavering commitment to excellence, innovation and staying ahead of the curve in the constantly evolving needs of wealth, investment and asset management, supporting the evolution of their business models to stand out and have a lasting impact.
[](https://www.linkedin.com/in/luigi-marciano-66b9538/)### Luigi Marciano
Founder & Group CEO, Objectway
At a time when not even the giants like Silicon Valley Bank and Credit Suisse are safe, it is vital banks and investment firms have the best technology behind them. On top of this, customers are demanding better and more streamlined engagements, and are more than happy to switch to a provider that offers this. This WealthTech100 list will equip senior-level leaders in financial institutions with detailed information on some of the most innovative companies in WealthTech.
[](https://member.fintech.global/)### Richard Sachar
FinTech Global CEO
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[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
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**Categories:** Awards
**Tags:** #fintechglobal, #wealth-management, #wealthtech
---
### [OWIN 2023: il futuro del wealth management tra crescita e sostenibilità](https://objectway.com/owin-2023-il-futuro-del-wealth-management-objectway-customer-conference/)
**Published:** April 17, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Torna l’International Customer Conference di Objectway. Professionisti dei servizi finanziari ed esperti del fintech e si incontreranno a Venezia dal 18 al 20 aprile.
**Content:**
# OWIN 2023: il futuro del wealth management tra crescita e sostenibilità
17 Aprile 2023 – Ritorna l’International Customer Conference di Objectway. Professionisti dei servizi finanziari ed esperti del fintech e si incontreranno a Venezia per capire in che modo il settore risponderà alla sfida dell’innovazione sostenibile. Ne parla con We Wealth Luigi Marciano, Objectway Founder & Group CEO.
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Sostenibilità, innovazione e crescita saranno i temi al centro della Objectway International Customer Conference 2023 (OWIN 2023).
Luci puntate sull’innovazione sostenibile
Nel nostro settore c’è un chiaro e forte legame tra crescita e innovazione: “Se si vuole perseguire una crescita sostenibile – spiega Marciano – è necessaria un’innovazione altrettanto sostenibile. Entrambe sono infatti essenziali per operare in un contesto economico e sociale complesso e stimolante come quello in cui ci troviamo. Le esigenze dei clienti e le tendenze del mercato evolvono continuamente: **l’innovazione è la forza trainante dell’adattamento al cambiamento** e un ingrediente chiave per la sostenibilità e la crescita a lungo termine”. Ma cosa vuol dire in concreto innovazione sostenibile? “**Per noi sostenibile significa in primo luogo capace di durare nel tempo**. Innovare in maniera sostenibile implica quindi essere in grado di organizzarsi e di evolvere adattandosi ai cambiamenti del mercato e dei clienti per soddisfare al meglio le loro esigenze e preferenze, gestendo gli imprevisti e rimanendo competitivi in un mercato in rapida evoluzione”.
I temi di OWIN 2023
La conferenza sarà anche l’occasione per presentare in anteprima la **nuova proposition di Objectway** e l’approccio della società per **supportare banche, asset e wealth manager nel processo d’innovazione del proprio modello di business end-to-end**. “Il nostro framework – spiega Marciano – si basa sul concetto di **”innovation diamond”** che comprende, oltre alla sostenibilità, altre tre aree di creazione di valore – experience, offerta e modello operativo – e le interconnette per generare risultati migliori per le aziende e i loro clienti.
La prima dimensione di questo modello è rappresentata dalla **customer experience**: essa si concentra sulla creazione e sul mantenimento di relazioni solide con i clienti grazie a un’esperienza personalizzata, contestualizzata e rilevante per ogni persona servita. Questo consente alle aziende di evidenziare le caratteristiche sostenibili dei propri prodotti e servizi e di sviluppare al contempo un modello operativo in linea con la gestione del ciclo di vita dei clienti.
La seconda dimensione riguarda la **(ri)configurazione dei modelli operativi per migliorare la scalabilità e ridurre i costi**, grazie all’automazione e alla standardizzazione nel design dei processi aziendali. “L’innovazione tecnologica e l’adozione di modelli operativi che si basano su una piattaforma all’avanguardia, così come **l’evoluzione del modello di sourcing da on-premise verso SaaS e BPaaS (Software as a Service e Business Process as a Service)** supportano l’innovazione sostenibile dei processi aziendali sia in termini di efficienza che di gestione delle risorse”.
La terza dimensione, infine, riguarda **l’evoluzione dell’offerta**: “Innovazione sostenibile significa infatti anche adottare le soluzioni di investimento capaci di **coniugare gli obiettivi di profitto con la capacità di queste ultime di creare valore sociale e ambientale nel lungo periodo**. Per far ciò occorre mettere l’accento sulla **personalizzazione e investire nella comunicazione col cliente**. Coloro che per primi abbracceranno questo cambiamento, infatti, svilupperanno un vantaggio competitivo non solo nei confronti dei propri competitor ma anche rispetto ai propri clienti, che li riconosceranno come innovatori”.
Per saperne di più, [clicca qui!](https://objectway.com/owin/owin23/)
Grazie alle esperienze dei leader di mercato e alle testimonianze delle voci più importanti del fintech, l’International Customer Conference di Objectway rappresenta un’occasione unica per riunirsi e guardare strategicamente insieme al futuro, disegnando soluzioni capaci di stimolare ulteriormente la crescita sostenibile e il successo di questo settore.
[](https://www.linkedin.com/in/luigi-marciano-66b9538/)### Luigi Marciano
Objectway Founder & Group CEO
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4 September 2026
## Sign Up for our Newsletter
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---
### [Innovazione e sostenibilità nei servizi finanziari](https://objectway.com/innovazione-e-sostenibilita-nei-servizi-finanziari/)
**Published:** May 12, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Luigi Marciano, Founder & CEO Objectway, presenta l'Innovation Diamond Framework che pone al centro della strategia di innovazione di banche, wealth e asset manager la sostenibilità del business a lungo termine.
**Content:**
# Innovazione e sostenibilità nei servizi finanziari
12 Maggio 2023 – Per fare fronte alle sfide presenti nel mondo della gestione di grandi patrimoni Objectway ha messo a punto un modello di innovazione che lega le quattro variabili in grado di creare valore per il cliente e l’istituzione finanziaria. Luigi Marciano, Founder & Group CEO ne approfondisce le caratteristiche insieme a Wall Street Italia.
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Il settore finanziario in Europa sta vivendo una profonda fase di transizione.
La guerra in Ucraina, l’elevata inflazione e i rischi di recessione hanno messo sotto pressione la redditività degli operatori del comparto che devono fare fronte anche a costi crescenti dettati da una maggiore regolamentazione e a un cambio di preferenze nelle scelte dei clienti.
Per sondare gli umori degli operatori del settore **Objectway, partner di riferimento di banche, wealth e asset manager** per supportarne scalabilità e performance con soluzioni software e servizi, ha condotto, in collaborazione con **GlobalData**, una ricerca sul livello di innovazione nei servizi finanziari in Europa, esaminandone anche le principali criticità e le strategie per affrontarle.
Margini in calo e clienti incerti
Dalla ricerca emerge che **nel corso del 2022 i ricavi del settore private wealth sono rimasti stabili** e le previsioni per il 2023 sembrano indicare un altro anno di stallo. A questo si aggiunge il fatto che lo scorso anno il numero di operatori a cui un cliente private si rivolgeva è sceso da una media di 4,6 a 4,2 mentre la quota di ricchezza detenuta presso l’intermediario principale è rimasta stabile. Questo suggerisce che i clienti stanno riducendo le opportunità di investimento forse perché i loro portafogli non stanno crescendo. Solo i clienti che hanno registrato performance positive stanno sostenendo i ricavi degli intermediari e allo stesso tempo rappresentano uno strumento chiave per acquisirne di nuovi.
Nuovi investimenti in tecnologia
Per far fronte a questa fase di stallo, la ricerca evidenzia che gli operatori lo scorso anno hanno aumentato **dell’8,5% gli investimenti in tecnologia e nel 2023 potrebbero crescere ulteriormente del 9,2%**. Gli investimenti sono indirizzati al **miglioramento della customer experience** per clienti sempre più esigenti e aperti alle tecnologie digitali, alla riconfigurazione del business per generare efficienza e nuove fonti di ricavi, e all’evoluzione dell’offerta di prodotti e servizi personalizzati.
”In un contesto particolarmente difficile, gli investimenti in tecnologia rappresentano una soluzione per rimanere e prosperare nel mercato. La maggiore competitività tra operatori, la sfida della digitalizzazione e la capacità di garantire performance negli investimenti sono le principali priorità per gli operatori del settore,” ha commentato Luigi Marciano, fondatore e CEO di Objectway.
Soddisfazione e retention dei clienti
Dal report di Objectway emerge che dal punto di vista della customer experience le banche e le società di wealth management stanno rispondendo con **piani di innovazione**, la cui intensità è legata principalmente alle loro dimensioni. In un contesto di mercato così complesso come quello attuale, gli operatori devono **migliorare continuamente l’esperienza del cliente**. L’elevata competizione e la possibilità di garantirsi una relazione duratura con clienti sempre più esigenti sono fattori determinanti nella definizione di una customer experience distintiva.
Verso un nuovo modello operativo
L’impatto della normativa, l’accresciuta pressione competitiva e le condizioni del mercato che hanno ridotto entrate e profitti stanno spingendo gli operatori a rivalutare le piattaforme che utilizzano, nonché i costi inerenti al loro modello operativo per generare maggiore efficienza. A questo scopo, sempre più il settore si rivolge a **partner tecnologici per automatizzare e standardizzare i processi**, garantendo così l’efficienza delle attività di front-end e mantenendo al contempo la compliance di tutta l’operatività.
Un must-have nell’offerta
L’innovazione nell’offerta è spinta principalmente dalla possibilità per le società di servizi finanziari di espandere la propria base clienti. In quest’area, **gli investimenti ESG** fanno la parte del leone. Gli investimenti ESG sono in aumento tra gli HNW in Europa e a livello globale per la crescente consapevolezza di generare un impatto sociale e ambientale positivo, insieme a migliori rendimenti finanziari, apprezzati durante la pandemia.
Alla ricerca di partner strategici
Qualunque sia la priorità dell’azienda, le innovazioni strategiche di successo richiedono un approccio coordinato e obiettivi condivisi tra tutte le parti interessate. Le istituzioni finanziarie hanno già ripensato il modo in cui collaborano con i propri partner adottando **collaborazioni strategiche**. Sempre più aziende si sono rese conto dei vantaggi, in termini di ritorno sull’investimento e tempo, dell’adozione di un’ecosistema di partner fintech e WealthTech in grado di potenziare e migliorare la gestione del business. Ciò ha consentito alle organizzazioni finanziarie di esternalizzare sempre più aspetti della propria attività generando nuove opportunità di crescita, riducendo al contempo i costi e la complessità gestionale.
La risposta di Objectway
Objectway ha adottato il modello **”Innovation Diamond Eramework”** che pone al centro della strategia di innovazione di banche, wealth e asset manager la **sostenibilità del business a lungo termine**, nelle tre aree di creazione di valore per il cliente: **customer experience, evoluzione dell’offerta e riconfigurazione del business**, interconnettendo questi quattro fattori e personalizzando la soluzione in base alle diverse esigenze dei clienti.
Per i wealth manager la competizione e la possibilità di garantirsi una relazione duratura con clienti sempre più esigenti sono fattori determinanti nella definizione di una customer experience distintiva.
[](https://www.linkedin.com/in/luigi-marciano-66b9538/)### Luigi Marciano
Objectway Founder & Group CEO
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[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
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**Tags:** #customerexperience, #innovation, #sustainability, #sustainableinnovation, #wealth-management-trends, #wealthtech
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### [Objectway. La consulenza digitale, tra relazione empatica e AI](https://objectway.com/objectway-la-consulenza-digitale-tra-relazione-empatica-e-ai/)
**Published:** May 31, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** In occasione dell’evento OWIN23, Objectway ha presentato la sua piattaforma di soluzioni end-to-end digitali pensate per i player del wealth management.
**Content:**
# Objectway. La consulenza digitale, tra relazione empatica e AI
1° Giugno 2023 – In occasione dell’evento OWIN23 di Objectway, AziendaBanca ha intervistato Gianbattista Geroldi, CEO Italy, e Michele Tanzi, Market Solution Director, che hanno raccontato come il wealthtech stia cambiando la relazione tra consulente e cliente.
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L’advisor diventa un consulente finanziario digitale.
Il wealthtech mette a disposizione della consulenza strumenti per dialogare con la clientela e tecnologie avanzate per elaborare un’offerta completa di protezione del patrimonio, che va oltre gli investimenti.
Obiettivo empatia
Il primo ambito d’impatto del wealthtech è quello della relazione. Strumenti ormai entrati nella consuetudine, come chat e piattaforme di video collaboration, sono a disposizione di clienti e consulenti per interagire nel quotidiano. L’empatia è il faro al quale le banche devono puntare: un bene prezioso su cui si fonda la fiducia del cliente, secondo la ricerca presentata da Oliwia Berdak di Forrester in occasione dell’evento OWIN23.
Nessuna contrapposizione tra i canali
E forse, un giorno, porterà anche alla realtà virtuale. «Questo non vuol dire che la relazione fisica scompaia: ma di certo è necessario permettere al cliente di scegliere il canale migliore nel momento più adatto, con una customer experience adeguata – sottolinea. Non c’è una contrapposizione tra canale fisico e digitale. Anzi, la tecnologia rende migliore e più efficiente la relazione con il cliente».
Il cliente non è standard
Un cliente che, però, non va più considerato singolarmente. Le esigenze famigliari, patrimoniali e magari anche imprenditoriali sono temi che ormai investono anche la consulenza finanziaria. E la tecnologia può aiutare a modulare un’offerta su misura in modo rapido. «In tempo reale e in modo omnicanale, i consulenti possono analizzare insieme al cliente ogni aspetto del patrimonio, tenendo in considerazione vari aspetti, dal real estate a quelli assicurativi o successori – precisa Tanzi. L’analisi dei dati permette infatti ai consulenti di ricevere delle proposte preconfigurate, ma personalizzate sulle esigenze della clientela, seguendo preferenze e obiettivi di vita».
Il governo dell’intelligenza artificiale
Intelligenza artificiale e machine learning sono protagoniste. Ma i player del mondo private e wealth hanno bisogno di capire come l’AI giunga a determinate risposte. La governance dell’AI è al centro del dibattito, soprattutto visto l’ingresso dell’AI Act. «L’innovazione nasce dalla regolamentazione e la tecnologia spinge la nuova regolamentazione – conclude Tanzi. L’AI ha cambiato le regole del gioco e, secondo la nostra ricerca, quasi il 50% delle società sta pianificando di fare leva su intelligenza artificiale e machine learning nei prossimi anni. Quali saranno i business vincenti sul mercato? Siamo in una fase di sperimentazione e il tema della trasparenza dell’informazione fornita dall’AI è centrale».
Esternalizzazione: una scelta diffusa tra i player del WM
L’outsourcing è poi la chiave per correre nell’innovazione tecnologica. Secondo la ricerca presentata all’evento OWIN23, tenutosi a Venezia, infatti, il 70% delle realtà europee valuta la possibilità di esternalizzare in parte l’innovazione tecnologica anche mantenendo in house e sotto controllo il governo dei processi.
Ampliare le collaborazioni
L’obiettivo per l’anno in corso è automatizzare ed efficientare i processi, puntando sulla tecnologia. Senza trascurare, però, la possibilità di sviluppare nuove partnership in ottica di opportunità future. «Puntiamo a collaborazioni tecnologiche, per affiancarci a partner che rispondono a determinate esigenze di mercato – osserva Geroldi. Ma ci sono anche partnership strategiche, che prevedono la collaborazione tra fintech e istituzioni finanziarie. Mettendo a fattore comune le nostre esperienze, possiamo dare un forte contributo allo sviluppo di soluzioni sempre più innovative».
Secondo la ricerca commissionata a GlobalData, banche, asset manager e società di gestione del risparmio vedono nella customer experience una priorità di innovazione. La tecnologia può essere una risposta, in quanto non solo permette di abbattere i costi, ma anche di innovare l’erogazione dei servizi alla clientela private e wealth, grazie all’automazione dei servizi e all’RPA.
[](https://www.linkedin.com/in/michele-tanzi-39b18410/)### Michele Tanzi
Objectway Market Solution Director
Cresce il ricorso ai servizi in SaaS ed è in corso una evoluzione verso il Business Process as a Service (BpaaS) già oggi parte dei servizi offerti da Objectway. L’Italia è un mercato importante, rappresenta quasi il 50% del fatturato complessivo del gruppo.
[](https://www.linkedin.com/in/gianbattista-geroldi-070a322a/)### Gianbattista Geroldi
Objectway CEO Italia
## Related
[All](#)[\#ai](#)[\#customerexperience](#)[\#digital-transformation](#)[\#financialservices](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
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### [Was die neue Kunden-Generation von Banken erwartet](https://objectway.com/was-die-neue-kunden-generation-von-banken-erwartet/)
**Published:** June 7, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** In Deutschland gibt es mehr Banken als in jedem anderen Land der EU. Wie Institute sich aufstellen müssen, um im Wettbewerb zu bestehen und was die junge Generation von einer Bank erwartet, erklärt Branchen- und Digitalisierungsexperte Karl im Brahm.
**Content:**
# Was die neue Kunden-Generation von Banken erwartet
16\. Juni 2023 – In Deutschland gibt es mehr Banken als in jedem anderen Land der EU. Wie Institute sich aufstellen müssen, um im Wettbewerb zu bestehen und was die junge Generation von einer Bank erwartet, erklärt Branchen- und Digitalisierungsexperte Karl im Brahm.
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Der Kampf um Kunden in der deutschen Finanzbranche ist ein harter.
Der Markt ist übersättigt und das Kundeninteresse ist schwer zu wecken. Hinzu kommen veraltete Strukturen, hohe Kosten und der Investitionsdruck bei der digitalen Transformation, die die Branche zusätzlich belasten. In dieser Situation rückt ein wirklich gutes Kundenerlebnis immer stärker in den Fokus. Es ist daher von großer Bedeutung, bestehende Kunden zu halten und gleichzeitig auch attraktiv für neue Kunden zu sein. Die Lösung wird künftig darin bestehen, effiziente und automatisierte Back-End-Prozesse einzuführen, während gleichzeitig eine persönliche Kundenbeziehung gepflegt wird.
Deutschland gilt als „overbanked“ – hierzulande gibt es mehr Banken als in jedem anderen Land in der EU. Privatbanken, Retailbanken aber auch Vermögensverwalter und Co. sehen sich aktuell mit einer starken Konkurrenz und ständigen Konsolidierungen am Markt konfrontiert. Zudem wird der digitale Wandel massiv durch neue Anforderungen an das Kundenerlebnis vorangetrieben. Um den Herausforderungen des Wettbewerbs und der Regulierung standzuhalten und neue Chancen zu nutzen, benötigen Finanzinstitute zum einen sinnvolle Innovationspläne und zum anderen ein für sie individuelles digitales Gesamtkonzept.
Personalisierte Lösungen verstärken die Bindung
Im Bereich der Vermögensverwaltung befinden sich einige Dinge im Wandel. Während persönliche Betreuung schon immer wichtig war, wird heute auch eine digitale Interaktion über alle Kanäle hinweg erwartet. Eine bewusste Beziehung soll geschaffen werden, die auf den Lebenszyklus des Kunden abgestimmt ist. Ein personalisiertes Portal kann hierbei einen „Wow“-Moment auslösen und verstärkt die Bindung zwischen Kunden und Berater. Durch ein integriertes, digitales System können Banker und Vermögensverwalter zudem eine größere Anzahl von Kunden effizienter betreuen. Auf diese Weise lassen sich in kürzerer Zeit mehr Leistungen erbringen und Skaleneffekte erzielen.
Allerdings nützt es nichts, neue Kunden zu akquirieren und zu halten, wenn die Kosten für deren langfristige Betreuung zu hoch sind. Das Gleiche gilt für die Fähigkeit, Daten im Back-end zu beschaffen und zu verarbeiten, damit sie am vorderen Ende zweckdienlich sind und die Kundenerfahrung und die Fähigkeit zur Skalierung verbessern.
Eine risikobewusste und auf ESG-Kriterien ausgerichtete Portfolio-Optimierung wird von Finanzinstituten stark nachgefragt und führt auch zu einer Demokratisierung von Vermögenslösungen. Denn eine zentralisierte und standardisierte Beratungserfahrung kann ein breiteres Publikum auf eine Compliance-konforme Weise mit einem hybriden digital-menschlichen Ansatz betreuen.
„Digital first“ – Banken müssen sich auf eine neue Kunden-Generation einstellen
Für Wealth und Asset Manager wird es in den nächsten Jahren darum gehen, sich zu einem komplett kundenorientierten Unternehmen zu entwickeln. Dabei gilt es, traditionelle Pfade zu verlassen und sich auf eine neue Generation von Kunden vorzubereiten, ohne dabei den eigenen Kernklientel aufzugeben. Das Thema „digital-first“ wird dabei für alle Kundensegmente essenziell sein. Unabhängig von der Höhe des verwalteten Vermögens müssen mit verschiedenen Beratungsmodellen, Produkten und Dienstleistungen personalisierte, nahtlose und verbindliche digitale Erlebnisse geschaffen werden.
Das kundengesteuerte Unternehmen muss also durch Technologie unterstützt werden. So sollen einerseits konservative, vermögendere Kunden bedient werden, die neben persönlichen Dienstleistungen zunehmend digitale Erlebnisse erwarten. Andererseits kann eine jüngere Generation von Kunden mit digitaler Kompetenz angesprochen werden, die beispielsweise Vermögen geerbt hat.
Deutsche Banken müssen sich weiterentwickeln
Das Gleiche gilt für Privatbanken. Lange Zeit sollten Kernbankenlösungen vor allem zuverlässig sein. Das reicht heute nicht mehr. Deutsche Privat- und Retailbanken stehen unter dem Druck, sich weiterzuentwickeln. Sie brauchen mehr Digitalisierung, eine bessere Vernetzung der verschiedenen Kanäle und eine reibungslose Verbindung von physischen und digitalen Kanälen für die Kundenansprache und -verwaltung über den gesamten Lebenszyklus hinweg.
Digitales Banking und die Cloud haben die Anforderungen an Bankprodukte deutlich verändert. Mit den neuen Lösungen lassen sich Transaktionen in Echtzeit verarbeiten, stetig neue Funktionen anbieten und die gesamte IT-Infrastruktur skalieren. Das Ziel ist, dass die Wertschöpfungskette stärker verschmolzen und integriert werden muss. Wir erleben heute die Konvergenz von Wealth Management, Banking und Asset Servicing. Wir sehen eine zunehmende organisatorische Neugestaltung und eine Neukonfiguration der Geschäftsmodelle, die immer mehr Partner aus dem Ökosystem erfordern.
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
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[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
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### [Objectway achieved its tenth consecutive awards recognition as "Best Wealth Management Solution" by Goodacre](https://objectway.com/objectway-achieved-its-tenth-consecutive-awards-recognition-as-best-wealth-management-solution-by-goodacre/)
**Published:** June 27, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway achieved its fifth in a row “Best Wealth Management Solution” award by Goodacre, the UK leading specialist consultancy for the securities industry.
**Content:**
# Objectway achieved its tenth consecutive awards recognition as “Best Wealth Management Solution” by Goodacre
27th June 2023 – The unceased leadership is a concrete result of the longtime and continued appreciation from clients and market experts.
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Objectway, top 100 global provider of as-a-service software and services for financial institutions, achieved its tenth consecutive awards recognition – the fifth in a row as “Best Wealth Management Solution” – by Goodacre, the UK leading specialist consultancy for the securities industry.
The long-established Goodacre Systems in the City Fintech Awards are the leading endorsement for suppliers of services and systems to the regulated financial services sector. Based on an independent and factual annual accreditation process, they are an important point of reference for user firms assessing the suitability of their operational infrastructure.
Receiving such a constant and positive appraisal from the clients and the market experts who voted for us is amazing. Maintaining the lead in the wealth management space entails understanding the evolving needs in this industry and positioning ourselves as a trusted and influential partner to the regulated financial services sector.
[](https://www.linkedin.com/in/sandrocassar/)### Dr. Alexander Cassar
Chief Business Operation Officer, Objectway
I am very pleased to congratulate Objectway for their long-standing success in the market. In a phase, where the wealth sector has to cope with increased pressure on profitability, constant regulatory and legislative changes and the need to meet customers’ preferences, the sector recognises the benefits of relying on wealthtech partner experts to support and meet their objectives.
[](https://www.linkedin.com/in/stephen-pinner-148aa48/)### Stephen Pinner
MD, Goodacre
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[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
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[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
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**Categories:** Awards
**Tags:** #wealth-management, #wealthmanagers, #wealthtech, GLO
---
### [ESG and Customer Experience: new study reveals priorities of European Banks, Wealth and Asset Managers](https://objectway.com/esg-and-customer-experience-new-perspectives-revealed-by-globaldata-research/)
**Published:** July 4, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Banks and wealth managers in Europe must become increasingly digital. This is the finding of the recent study "Unlocking opportunity in challenging times: innovation in European Financial Services" by Objectway and GlobalData
**Content:**
# ESG and Customer Experience: new study reveals priorities of European Banks, Wealth and Asset Managers
4th July 2023 – Banks and wealth managers in Europe must become increasingly digital. Regulation and competition are putting increasing pressure on financial firms of all sizes. In a new study, more than half said they plan to tackle major innovation and digitisation projects in the next two years. However, priorities and intensity depend heavily on the size of the company. In addition to sustainable investments and artificial intelligence, the constantly increasing requirements for customer satisfaction are the main drivers for change.
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The financial sector in Europe is undergoing a profound transition. The war in Ukraine, high inflation and the threat of recession have put pressure on the profitability of players.
The figures speak for themselves: over 52 percent of the banks and wealth managers surveyed stated that they intend to tackle full-spectrum digitisation projects within the next two years in order to remain competitive. While more than 40 percent are already working on innovative concepts for their customer experience. This is the finding of the recent **study [“Unlocking opportunity in challenging times: innovation in European Financial Services”](https://objectway.com/unlocking-opportunity-in-challenging-times-globaldata-analyst-research/) commissioned by Objectway to GlobalData**, leading global provider of business intelligence and data analytics.
A clear majority, almost 70 percent, also believe that ever-increasing regulatory pressure is forcing them to continuously question and adapt their business model. “Investor protection and environmental concerns are increasingly becoming priorities for regulators in Europe,” explains **Luigi Marciano, founder and CEO of Objectway.**
In light of the recent financial crisis and the “bank run” on private banks in the U.S., he said the call for stricter international regulation is inevitable. While the extent of the changes is uncertain, they are expected to create a number of additional costs for, say, administration and legal departments. Therefore, a shift to more efficient, digital and technologically advanced business processes will be necessary. Changing customer expectations regarding sustainable investments or new communication channels make technological progress inevitable for the financial sector.
Declining profitability and skeptical customers
The study shows that the private wealth sector’s earnings forecasts for 2023 point to another year of stagnation. In addition, clients are steadily minimising the number of wealth managers they use. While a private client worked with an average of 4.6 wealth managers last year, that number is now down to 4.2. Assets under management, on the other hand, remain stable. According to Marciano, this indicates that **clients are reducing their investment options** because, for example, their portfolios are not growing or other requirements in the cooperation are not being met. According to the study, the increasing competition is clearly noticeable at around 84 percent of the financial companies surveyed.
Everything rises and falls with customer satisfaction
To overcome this stalemate, the only way forward is to go digital. The study shows that banks and wealth managers increased their investments in technology by 8.5 percent last year and will probably increase them by a further 9.2 percent by the end of the year. The aim is mainly to **improve the customer experience for increasingly demanding digital technologies, optimise processes and business procedures**, and further develop the range of products and services. Just under the majority, almost 40 percent of respondents cited customer experience as the most important priority. “Increased competition between players, the challenge of digitalisation and the ability to then guarantee the results of investments are the biggest challenges,” comments Marciano. He says a lasting relationship with increasingly demanding customers is the key factor. Artificial intelligence (AI) is the big issue here, with almost 50 percent citing AI and machine learning as the biggest changes in customer experience strategies over the next two years, followed by expanding the number of customer-facing channels (35.6 percent).
ESG offering is a must – not a “nice to have”
However, when it comes to innovation in terms of offering, ESG investments take the absolute lion’s share. Across the industry, **84.5 percent plan to add or expand ESG investment options in the next three years** – led by Private Wealth at 97.2 percent. “Sustainable investing is on the rise among high-net-worth individuals in Europe and globally, as awareness of positive social and environmental impact combined with improved financial returns grows,” Marciano said. In this regard, he said there are several ways to develop or sharpen an **ESG-compliant profile**. Creating new investment solutions is the natural response to changing investor priorities, according to 73 percent of respondents. Other important means of developing an ESG brand cited in the survey included asking clients about their ESG views (64.7 percent) or providing additional support and resources for financial education (48.5 percent).
The need for strategic partners
Regardless of the company’s priorities, successful strategic innovation requires a **coordinated approach and shared goals among all stakeholders**. Flexibility is the top reason for outsourcing an innovation project, according to the study. This is especially true in large companies (47.6 percent) that have internal resources but do not want to use them exclusively for what could be a critical modernisation. The other key factor, at around 40 percent, is clearly cost, especially for smaller companies. This is because it is usually not cost-effective for so-called boutiques to develop software internally.
More and more companies are recognising the benefits of having an ecosystem of fintech and wealthtech experts and are outsourcing aspects of their business. In doing so, they are creating new opportunities for growth while reducing the cost and complexity of administration.
[](https://www.linkedin.com/in/luigi-marciano-66b9538/)### Luigi Marciano
Objectway Founder & CEO
## Related
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8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
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---
### [Objectway. L’innovazione sostenibile per il Wealth Management](https://objectway.com/objectway-linnovazione-sostenibile-per-il-wealth-management/)
**Published:** July 6, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Customer experience, evoluzione dell’offerta e riconfigurazione del business: tre aree di valore per banche, wealth e asset manager per raggiungere una innovazione sostenibile.
**Content:**
# Objectway. L’innovazione sostenibile per il Wealth Management
7 Luglio 2023 – Customer experience, evoluzione dell’offerta e riconfigurazione del business. Sono queste le tre aree di valore per banche, wealth e asset manager, che possono essere interconnesse grazie a un approccio end-to-end personalizzato, per raggiungere una innovazione sostenibile.
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La ricerca commissionata da Objectway a GlobalData dal titolo “Unlocking opportunity in challenging times: innovation in European Financial Services” approfondisce e valuta le criticità del settore e le strategie di innovazione sostenibile nei progetti di customer experience, evoluzione dell’offerta e nuovi modelli operativi.
La survey nei servizi finanziari
Secondo la ricerca, gli operatori si stanno concentrando su diverse strategie:
- le banche universali sono focalizzate sulla evoluzione dell’offerta attraverso modelli di partnership, centrali per il loro programma di modernizzazione;
- per i wealth manager la priorità, invece, è migliorare la customer experience, allargando la consulenza a tutta la gestione del ciclo di vita del cliente e sviluppando i canali, che si aspettano di evolvere con l’AI;
- infine, gli asset manager guardano all’outsourcing, principalmente nel back-office, per ottimizzare l’operatività e automatizzare i processi.
Verso progetti integrati
Ma la sfida comune è **conciliare innovazione e sostenibilità** all’interno di un nuovo contesto che richiede di prendere decisioni sempre più rapidamente, considerando anche gli impatti di lungo periodo. E avendo anche gli strumenti per correggere e adattare le decisioni prese.
«Meno del 20% degli intervistati – sottolinea Michele Tanzi, Market Solution Director di Objectway – sta perseguendo iniziative di “full spectrum”, cioè progetti integrati, che combinano tutte le tre aree menzionate per creare una innovazione sostenibile».
Il framework a diamante
Objectway ha quindi ideato **l’Innovation Diamond Framework**, che pone al centro della strategia di innovazione di banche, wealth e asset manager la sostenibilità del business a lungo termine.
«Il framework si sviluppa a partire dalla fase di identificazione dello strategic intent, che viene analizzato secondo gli assi di creazione di valore propri del cliente. Per ciascuno di essi, viene concordato il target in termini di innovazione: trasformazione, evoluzione o adattamento dei modelli e dei servizi.
Successivamente – conclude Tanzi –, viene elaborato un business innovation case, convalidato e implementato dal cliente con il supporto di Objectway».
L’applicazione di questo concetto di innovazione sostenibile richiede il massimo impegno e la massima flessibilità – prosegue Tanzi –, così da sviluppare e proporre soluzioni altamente personalizzate, capaci di innovare realmente il modello di business dell’istituzione finanziaria nel senso della sostenibilità. Ma sempre partendo dalle esigenze del singolo istituto e guardando a esse
[](https://www.linkedin.com/in/michele-tanzi-39b18410/)### Michele Tanzi
Market Solution Director Objectway
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---
### [Bei der Digitalisierung besteht hoher Nachholbedarf](https://objectway.com/bei-der-digitalisierung-besteht-hoher-nachholbedarf/)
**Published:** July 10, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Banken und Vermögensverwalter stehen unter Druck, so eine Umfrage des Dienstleisters Objectway. Die Ertragsprognosen in der privaten Vermögensverwaltung seien 2023 weiter rückläufig.
**Content:**
# Bei der Digitalisierung besteht hoher Nachholbedarf
10\. Juli 2023 – Banken und Vermögensverwalter stehen unter Druck, so eine Umfrage des Dienstleisters Objectway. Die Ertragsprognosen in der privaten Vermögensverwaltung seien 2023 weiter rückläufig.
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Die Ertragsprognosen in der privaten Vermögensverwaltung seien 2023 weiter rückläufig. Das ist ein Ergebnis einer Umfrage unter Banken, Vermögenverwaltern und Assetmanagern durch den Fintech-Anbieter Objectway. Das Unternehmen bietet Dienstleistungen im Bereich der Vermögensanlage und unterstützt mehr als 100.000 Anlageprofis.
Die Ertragsprognosen in der privaten Vermögensverwaltung seien 2023 weiter rückläufig. Das ist ein Ergebnis einer Umfrage unter Banken, Vermögenverwaltern und Assetmanagern durch den Fintech-Anbieter Objectway. Das Unternehmen bietet Dienstleistungen im Bereich der Vermögensanlage und unterstützt mehr als 100.000 Anlageprofis.
„Die Vermögen stagnieren und damit auch die Erträge. Die Privatkunden reduzieren ihre Geschäftsbeziehungen und konzentrieren sich auf wenige Häuser“, sagt Karl im Brahm, Deutschlandchef von Objectway. Arbeitete ein Privatkunde im letzten Jahr im Durchschnitt noch mit 4,6 Vermögensverwaltern, seien es heute nur noch 4,2. Der steigende Konkurrenzkampf ist laut der Studie bei rund 84% der befragten Finanzunternehmen deutlich spürbar.
Nach Beobachtung von im Brahm besteht bei der Digitalisierung der Banken und Vermögensverwalter ein hoher Nachholbedarf. „Dabei geht es insbesondere um die Kommunikation mit den Kunden, die durchgängig digital werden muss. Ohne eine weitere Digitalisierung wird die Wettbewerbsfähigkeit leiden.“
Die Umfrage zeigt, dass die Banken und Vermögensverwalter ihre Investitionen in Technologie 2022 um 8,5% erhöht haben und bis Ende 2023 vermutlich um weitere 9,2% steigern werden. Ziel sei es hauptsächlich, das Kundenerlebnis zu verbessern, Prozesse und Geschäftsabläufe zu optimieren und das Angebot weiterzuentwickeln.
Fast 40% der Befragten gaben Customer Experience als wichtigste Priorität an. Ein großes Thema ist zudem die künstliche Intelligenz (KI). Fast 50% nennen KI und Machine Learning als die größten Veränderungen in den Customer-Experience-Strategien der nächsten zwei Jahre.
Im Bereich der strategischen Weiterentwicklung nehmen ESG-Investments den absoluten Löwenanteil ein. Über die gesamte Branche hinweg planen 84,5% der Befragten in den nächsten drei Jahren ESG-Investmentoptionen aufzunehmen oder auszuweiten. „Banken und Vermögensverwalter müssen sich eine ESG-Marke erarbeiten. Sie müssen also die Fähigkeit haben, innovative ESG-Produkte zu entwickeln, ein glaubwürdiges Profil besitzen und sich im Bereich ESG ganzheitlich aufstellen“, sagt im Brahm.
Da bei den Kunden das Bewusstsein für soziale und ökologische Auswirkungen bei der Geldanlage wachse, sei die Schaffung neuer grüner Anlagelösungen für 73% der Befragten eine natürliche Reaktion auf die sich ändernden Prioritäten der Anleger. Als Mittel zur Entwicklung einer ESG-Marke wurde in der Studie beispielsweise die Befragung von Kunden zu ihren ESG-Ansichten (64,7%) oder zusätzliche Unterstützung für die finanzielle Bildung (48%) genannt.
Bei der Regulierung sind fast 70% der Meinung, dass der immer stärkere regulatorische Druck sie dazu zwinge, ihr Geschäftsmodell kontinuierlich anzupassen. Angesichts der Bankturbulenzen sei der Ruf nach einer strengeren Regulierung aber verständlich. Es sei davon auszugehen, dass zusätzliche Kosten für Verwaltung und Rechtsabteilungen entstehen.
Beim Kundenerlebnis geht es darum, wie eine Bank oder ein Vermögensverwalter mit dem Kunden kommuniziert. Heute muss ein Anbieter mit einem hybriden Kunden arbeiten und alle Kanäle bedienen. D. h. so wenig Papier wie möglich, schnelle Entscheidungen der Berater und ein Angebot innerhalb von kurzer Zeit.
[](https://www.linkedin.com/in/karl-im-brahm/)### Karl im Brahm
Objectway CEO DACH Region
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### [„Cyber-Attacken gab es immer schon“](https://objectway.com/cyber-attacken-gab-es-immer-schon/)
**Published:** July 17, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Die Datensicherheit hängt von den Mitarbeitern und deren Umgang mit den Kundendaten ab. Karl im Brahm, CEO DACH-Region, erklärt im Interview, wie man sich bei der Führung seines Unternehmens vor Cyber-Attacken schützen kann.
**Content:**
# „Cyber-Attacken gab es immer schon“
18\. Juli 2023 – Karl im Brahm, CEO bei der deutschen Einheit des Softwareanbieters, spricht im Interview mit der Redaktion Lisa Brunner über innovative Lösungen in den Bereichen Wealth Management, Asset Management und Bankwesen.
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Objectway, eines der Top-100-Fintech-Unternehmen, unterstützt seit seiner Gründung im Jahr 1990 Finanzinstitute mit modernster Technologie bei der Umsetzung ihrer digitalen Transformationsprogramme. Das Unternehmen liefert intelligente und cloudfähige Lösungen, die das Kundenengagement steigern sowie die Produktivität im Front-Office und die Prozesseffizienz im Back-Office optimieren.
**INTELLIGENT INVESTORS:** Stellen Sie sich und Ihr Unternehmen doch bitte einmal vor, was macht Objectway?
**Karl im Brahm:** Das mache ich gerne. Mein Name ist Karl im Brahm, ich bin CEO von Objectway in der DACH-Region. Ich verantworte das Geschäft von Objectway in Deutschland, der Schweiz und Österreich. Objectway ist ein Top-100 global FinTech-Unternehmen im Bereich Software und Service. Wir bieten europaweit Software für Banken, Asset- und Wealth-Manager. Objectway selbst hat rund 800 Mitarbeiter, wir operieren in 16 Ländern und erwirtschaften im Schnitt 100 Mio. Euro Umsatz. Unser Angebot umfasst Front-to-Back-Lösungen in verschiedenen Modellen wie SaaS (Software-as-a-Service, a.d.R.) oder BPaaS (Business-Process-as-a-Service, a.d.R.). Das heißt für alles, bei dem Kunden Banken, Asset- und Wealth-Manager erleben, bieten wir eine Lösung.
**II:** „Front to back”, d.h. auch das Speichern und Verarbeiten von Datenverarbeitung. Das läuft dann alles über Objectway?
**im Brahm:** Das hängt immer vom Geschäftsmodell ab, mit dem wir mit dem jeweiligen Kunden zusammenarbeiten. Im Regelfall sind die Banken selbst für den Datenhaushalt verantwortlich. Wenn wir mit Kundendaten arbeiten, erfolgt das immer auf dem „höchsten Sicherheitsstand” in der Softwareentwicklung aber auch im Handling der Daten. „Höchster Sicherheitsstand” in Anführungszeichen, weil die Welt sich immer wieder ändert und man sich stets auf den neusten Stand bringen muss. Arbeiten wir mit einem Kunden in einem SaaS-Modell, managen wir den Datenhaushalt, allerdings immer nach den Vorgaben der Banken bzw. unserer Kunden.
**II:** Wie garantieren Sie Datensicherheit?
**im Brahm:** Datensicherheit kommt über diverse Maßnahmen. Sie fängt bei den Mitarbeitern und ihrem Umgang mit Kundendaten an. Es bedarf immer eines Trainings der Mitarbeiter, sie müssen regelmäßig geschult und informiert werden, vom Management bis in alle anderen Ebenen. Im Regelfall geht es für uns dann auch darum, wie wir gemeinsam mit dem Kunden und seinen Daten arbeiten. Das erfolgt oft über eine gemeinsame Infrastruktur, das Stichwort hier ist Netzwerksicherheit. Standardmaßnahmen sind dafür beispielsweise Firewalls und Zwei-Faktor-Authentifizierungen, die man im Software-Entwicklungsprozess gemeinsam mit den Kunden durchführt. Ein weiterer wichtiger Punkt ist die Datenverschlüsselung, aber auch das ist Standard im Softwareentwicklungsprozess. Zusätzlich müssen sich Banken, Asset- und Wealth Manager auf Krisenfälle vorbereiten. Dafür wird ein sogenannter Incident-Response-Plan erstellt, der zu befolgen ist wird, wenn ein Datenmissbrauch festgestellt wird. Der Regulator gibt dabei feste Vorgaben, die eingehalten werden müssen, z.B. die Einberufung eines Krisenstabs. Außerdem geht es auch um Prävention, Datenmissbrauch zu verhindern. Unsere Kunden und auch wir lassen sich regelmäßig extern auditieren. Dabei wird überprüft, wie der Umgang mit Daten erfolgt und ob es Schwachstellen gibt, die dann ausgemerzt werden können. Es gibt immer ein Risiko, deshalb muss man sich, wie bereits erwähnt, immer weiterentwickeln.
**II:** Kam es in der letzten Zeit auch vermehrt zu Cyber-Attacken und wenn ja, seit wann?
**im Brahm:** Cyber-Attacken gab es immer schon. Aber wir stellen seit ca. 2019/2020 durchaus einen Anstieg fest. Sicherlich wird das über den Ukraine-Konflikt verstärkt, zumindest in der Wahrnehmung. Es gibt prominente Beispiele aus Deutschland, die öffentlich bekannt sind, z.B. wurde 2020 die Sparkassen-Gruppe mit eine DDoS-Attacke angegriffen (Distributed Denial of Service, a.d.R.). D.h. über eine Vielzahl von Zugriffen wurden Systeme überlastet. Die Deutsche Bank wurde 2019 angegriffen, die N26 im Jahr 2020. Mittlerweile werden auch IT-Dienstleister der Finanzbranche wie CompuCom, ein Serviceprovider für große Wholesale-Banken, oder im Herbst 2020 Finastra, die 9.000 Banken serviciert, angegriffen. Cyberkriminalität ist auch in der Finanzindustrie angekommen. Aber auch hier gelten all die Maßnahmen, die ich gerade aufgezählt habe. Es ist wichtig , sich stets weiterzuentwickeln und immer wieder auf neue mögliche Attacken einzustellen. Cybersecurity als solches ist ein Mega-Trend, dem sich auch die Finanzindustrie stellen muss. Genau wie die Themen Open Banking, Cloud Computing oder AI (engl.: Artificial Intelligence, KI zu Deutsch, a.d.R.).
**II:** Damit haben Sie die nächste Frage quasi bereits beantwortet: Welche Trends und Entwicklungen zeichnen sich für dieses Jahr ab?
**im Brahm:** Für dieses Jahr ist zu kurz gesprochen. Die Trends, die ich gerade genannt habe, also Cloud Computing, Artificial Intelligence, Blockchain, DLT-Technologie, Cybersecurity, Open Banking, die können wir bereits seit mehreren Jahren identifizieren. Banken befassen sich damit auch schon länger und setzen entsprechende Maßnahmen sukzessive um. Die Themen, die an der „Front” stattfinden, liegen besonders im Fokus der Banken. Aktuell gilt es kontinuierlich die Customer Experience zu erhöhen und die digitale Transformation voranzutreiben, gerade auch im Kontext von: Wie agiere ich mit meinen Kunden. Da spielt nämlich der Wettbewerb. In Deutschland gibt es 1.700 Banken, neun Trillionen Assets, die Anzahl der Banken ist rückläufig, es findet eine Konsolidierung statt, während die Assets steigen. Die aktuelle Zinspolitik der EZB stellt den Markt vor weitere Herausforderungen. Im Banking herrscht ein Margenverfall, die Banken achten vermehrt auf ihre Kostenpositionen. Aber ganz wichtig: Wir stellen auch einen Anstieg des Kundenbedürfnisses nach einem kanalübergreifenden Angebot fest – Omnichannel. Und die entsprechende Lösung muss outstanding sein. Das bedeutet, dass Banken, die eine optimale Lösung bereitstellen, auch die Chance haben, Kunden im Lifecycle zu bedienen. Auch das ist ein Trend. Ein weiterer Trend ist „mobile first”, was längst kein Generationsthema mehr ist. Alle Generationen sind mittlerweile mobile first, auch darauf müssen Banken sich einstellen. Um dieser Entwicklung gerecht zu werden, wechseln wir im B2B-Geschäft mit unseren Lösungen zunehmend vom klassischen Lizenzgeschäft zu einem Service-Geschäft. Das heißt SaaS ist das Stichwort – Software-as-a-Service. Das erhöht die Flexibilität unserer Kunden. IT-Dienstleistungen, die Banken vorher selbst geleistet haben, werden jetzt an Drittdienstleister outgesourced. Das gleiche gilt auch für das Processing, das nennt man dann BPaaS, Business-Process-as-a-Service.
**II:** Bei welchen Punkten herrschen denn bei Ihren Kunden der größte Bedarf? Was wird aktuell zuerst und so schnell wie möglich gebraucht?
**im Brahm:** Der aktuelle Fokus liegt in der Tat in der Marktberarbeitung, weil der Wettbewerb sehr groß ist. Zu allen Themen, die unsere Kunden für das Tagesgeschäft nachfragen, gibt es aktuell Projekte. Dabei geht es hauptsächlich um die Optimierung der Customer Experience. Gleichzeitig stellen wir bei unseren Kunden fest, dass sie zunehmend ihr Produktangebot verbessern, Stichwort ESG. Auch dabei geht es um Daten, Datenverarbeitung und Integrationsleistung. Ein Schwerpunkt ist auch die Anpassung der Geschäftsmodelle unserer Kunden in puncto digitale Transformation.
**II:** Gibt es auch ein Thema, der Ihnen persönlich am Herzen liegt? Wo sie sagen, das möchte ich in meiner Position vorantreiben?
**im Brahm:** Aus der Perspektive eines Dienstleisters geht es darum, den Kunden bestmöglich zu befähigen im Wettbewerb erfolgreich zu sein zu können. Ein Schwerpunkt den ich bei den meisten Kunden sehe, ist die Überleitung des Geschäftsmodells in ein SaaS-Modell. Ich bin davon überzeugt, dass Banken, Asset- und Wealth Manager in der Marktverarbeitung gut aufgestellt sind. Niemand kennt seine Kunden besser als sie. In der Kundenberatung ist das persönliche Erlebnis viel wichtiger als nur eine App. Dazu braucht es vielleicht auch Freiräume und ich möchte den Banken helfen, sich von administrativen Aufgaben zu entledigen. Ich bin davon überzeugt, dass wir als Provider auch gut organisieren und vor allem Skalen produzieren können, Stichwort: economies of scale, über eine Plattform. Klassisches Plattform-Business. Das ist der Fokus meiner Arbeit. Natürlich würde ich auch immer gerne neue Kunden gewinnen, aber der erste Fokus liegt darauf, den Wechsel in das SaaS-Modell voranzutreiben.
**II:** Um nochmal auf das Thema künstliche Intelligenz zurückzukommen, welche Rolle spielt KI bereits in ihren Softwarelösungen und in ihren Angeboten?
**im Brahm:** KI wird das Banking entscheidend verändern. KI wird Entscheidungsprozesse beschleunigen, Entscheidungsgrundlagen werden breiter fasst und gleichzeitig kann man mit ihr Kundenverhalten und ‑bedürfnisse zu analysieren. Es gibt genug Praxisbeispiele dafür, im Investmentprozess kann ich die Portfoliostruktur über KI optimieren, im Kreditgeschäft kann ich den Entscheidungsprozess optimieren, und auch beim Produktangebot und den Backoffice-Prozessen kann KI unterstützen. Das ist natürlich alles in Software abzubilden, weil es immer Entscheidungspunkte gibt, bei denen KI unterstützt. Im Wesentlichen geht es für die Banken auch darum, dass dann zu monetarisieren, denn Daten sind Gold. Das muss software- und prozessseitig in einem regulatorischen Rahmen abgebildet werden. In unseren klassischen Software-Produkten denken wir ebenfalls in KI. Ich gehe davon aus, dass sich Prozesse in den nächsten zwei bis drei Jahren beschleunigen werden. Wir haben jetzt schon die Diskussion um ChatGPT, da werden jetzt alle wach, auch der Regulator, und man bekommt Respekt vor dem ganzen Thema. Meiner Meinung nach braucht es deshalb auch das grade erwähnte regulatorische Framework. Man muss KI beherrschen und vernünftig einsetzen, zum Wohle der Kunden.
**II:** Wie wirkt sich die aktuelle gesamtwirtschaftliche Lage in Ihrem Bereich, also der DACH-Region, aber auch global, auf Ihr Geschäft aus, vor allem auch im Hinblick auf die „Bankenkrise” (Credit Suisse, Silicon Valley Bank)?
**im Brahm:** Wiewirken sich generell Krisen auf unser Geschäftsmodell aus? Wenn ich das für Deutschland beantworte, würde ich sagen, die deutsche Wirtschaft ist relativ robust. Gerade im Vergleich zu der Zeit nach der Finanzmarktkrise 2008, als es eine Rezession gab. Trotz der Einschläge, die wir mit COVID, dem schrecklichen Russland-Ukraine-Krieg und einer jüngst „kleineren” Bankenkrise in den USA und in der Schweiz erlebten, zeigten die Märkte sich relativ robust. Es herrscht keine Rezession, sondern eine stabile Wirtschaft. Wir sprechen darüber, ob wir im nächsten Jahr 1 % oder 1,5 % wachsen, je nachdem, wen man befragt. Und ich hätte es nicht für möglich gehalten, dass sich die Wirtschaft so „gut” schlägt, trotz der schrecklichen Ereignisse. Das gleiche gilt für die Schweiz und Österreich. Wie wirkt sich das auf das Kundengeschäft aus – ich sagte gerade, die total Assets steigen in den Märkten, neun Trillionen total Assets in Deutschland, Jahr für Jahr ein Anstieg. Und auch in den Kundenbeständen sehe ich Wachstum. Das hängt sicherlich mit der Zinspolitik zusammen, weil die Menschen nach entsprechenden Wertanlagen suchen, ungleich eines Sparbuchs, einer Termineinlage, so wie es früher vielleicht der Fall war. So erlebe ich die Situation, ich persönlich hätte mehr negative Auswirkungen erwartet, aber das Umfeld ist stabil. Wie lange das anhält, kann ich jedoch nicht sagen.
**II:** Das Motto Ihrer diesjährigen Customer Conference im April war: „Nachhaltige Innovation in großem Stil”. Was bedeutet nachhaltige Innovation für Sie und Objectway?
**im Brahm:** Wir haben gerade einen längeren Strategieprozess abgeschlossen, bei dem wir unsere Produktlösungen analysiert haben. Wir haben hinterfragt, ob es Sinn macht, mit Produkten auf Kunden zuzugehen und haben festgestellt, dass es viel sinnvoller ist, vom Kundenbedürfnis her zu denken. Wir müssen unseren Kunden Lösungen anbieten, die ihre Bedürfnisse abdecken. Und unter den Stichwort Nachhaltigkeit verbergen sich sehr viele Aspekte. Es geht um die Auswirkung auf die nachhaltige Kundenbeziehungen und ein nachhaltiges Geschäftsmodell. Innovation findet dann gemeinsam mit unseren Kunden in den Lösungskonzepten statt. Kundenbedürfnisse verstehen und dann gemeinsam mit ihnen Lösungen entwickeln, so entsteht Innovation, die Nachhaltigkeit für die Zukunft ausstrahlt. Das ist die Idee hinter dem Motto. Wir sehen hier drei Schwerpunkte. Zum einen wieder die Customer Experience, das Produktangebot von Banken, Asset und Wealth Managern, darin steckt erneut viel Nachhaltigkeit, und dann auch das eigene Business-Modell unserer Kunden. Denn auch das muss nachhaltig, mit einer zukunftsträchtigen Technologie gestaltet werden, die den digitalen Anforderungen gerecht wird. Damit sind wir laut dem Feedback, das wir gemeinsam mit unseren Kunden besprochen und entsprechende Ansätze entwickelt haben, auf dem richtigen Weg.
**II:** Das bedeutet also, Sie erstellen immer wieder individuelle Lösungen gemeinsam mit den Kunden? Es gibt keinen One-Fits-All-Lösungsansatz?
**im Brahm:** Generell steht immer der Kunde und eine Plattform im Mittelpunkt, weil Plattform skaliert — economies of scale. Plattform vereinbart Know-how, Economies of Scope, und ermöglicht Standardisierung im Sinne von Kostenreduktion im eigenen Betrieb. Dabei ist auch wichtig, welche Plattform für welchen Kunden funktioniert. Privatbanken und Asset oder Wealth Manager haben natürlich unterschiedliche Geschäftsmodelle, aber es gibt auch Gemeinsamkeiten. Je nachdem kann man dann auch gemeinsame Plattformen nutzen, aber insgesamt steht immer das Kundenbedürfnis im Fokus.
**II:** Vielen Dank für das Interview!
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
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[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
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[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
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### [Kundenberatung der Zukunft: Welche Rolle wird KI in der Finanzberatung spielen?](https://objectway.com/kundenberatung-der-zukunft-welche-rolle-wird-ki-in-der-finanzberatung-spielen/)
**Published:** July 19, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Was ist Kunden von Banken und Vermögensverwaltern wirklich wichtig? Ganz oben stehen eine personalisierte Beratung, schnelle Verfügbarkeit und bequeme Anwendung
**Content:**
# Kundenberatung der Zukunft – Welche Rolle wird KI in der Finanzberatung spielen?
27\. Juli 2023 – Was ist Kunden von Banken und Vermögensverwaltern wirklich wichtig? Ganz oben stehen eine personalisierte Beratung, schnelle Verfügbarkeit und bequeme Anwendung. Diese bedarfs- und situationsgerechte Betreuung wird für eine neue Ära an vermögenden Kunden immer wichtiger – und vor allem durch künstliche Intelligenz möglich.
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Mehr Personalisierung durch Ausrichtung des Serviceangebotes auf individuelle Bedürfnisse und Verhaltensweisen und nicht nur auf finanzielle Aspekte. Zudem wird der Zugang zur Dienstleistung in den verschiedenen digitalen und analogen Kanälen und für Kunden mit besonderen Anforderungen wie beispielsweise vollständige Sprachaktivierungsfunktion immer wichtiger.
Aber nicht nur in der Beratung, vor allem im Back-End verändert die künstliche Intelligenz die Prozesse grundlegend. Denn gerade in der IT-Entwicklung, Qualitätssicherung oder Verwaltung kann radikal automatisiert werden. Die Rolle des Menschen verändert sich immer mehr von einer ausführenden zu einer steuernden und überwachenden. Und blickt man auf die Art und Weise wie sich KI derzeit weiterentwickelt, könnte eine völlig neue Art eines virtuellen Beraters möglich sein.
Neue Kundenschichten sind eine große Herausforderung für Vermögensberater. Der Trend zur Demokratisierung des Wealth Management geht mit immer mehr Personalisierung und einer quasi rund um die Uhr Betreuung über alle (digitalen) Kanäle einher. Wenn jemand heiratet, Kinder bekommt, in eine andere Stadt umzieht – all das und noch vieles mehr sind äußerst wichtige Daten für Vermögensberater. Basierend darauf können neue individuellere Investmentstrategien oder personalisierte Angebote erstellt werden. Künstliche Intelligenz (KI) kann alle diese Daten sammeln und bereits passende Vorschläge machen. In erster Linie wird diese wohl als ergänzende Kraft für den Beratungsprozess entwickelt werden, auch wenn sie in bestimmten Situationen und für bestimmte Aufgaben als virtueller Assistent fungieren kann, der Informationen bereitstellen, auf Anfragen reagieren und Arbeitsabläufe ohne jegliche Aufsicht erleichtern kann. Die Finanzbranche hat sich bisher schwergetan, diese Bandbreite an Fähigkeiten in ihren Beratungsprozess einzubringen. Allerdings hat die Art und Weise, wie man generative KI mit Deep-Learning-Modellen und offenen Finanzdatensätzen kombinieren kann, das Potenzial, eine viel breitere Definition des Beratungsangebots zu unterstützen.
Ein weiter Weg bis zum „künstlichen“ Berater
Der offensichtlichste Weg für Privatbanken, KI auf transformative Weise einzusetzen, liegt eher im Back- und Middle-Office. Dies liegt daran, dass ihr Einsatz in Bereichen wie DevOps (Development und Operations), reine IT-Entwicklung, Qualitätssicherung und Verwaltung ermöglicht, diese Bereiche weitaus stärker zu automatisieren, reibungslos zu gestalten und zu optimieren. Die Rolle der Vermögensberater und Banker wird sich verändern, weg von der Ausführung selbst, hin zur Steuerung, Überwachung, Verbesserung der Prozesse. Im Front-Office-Bereich dürfte sich künstliche Intelligenz vor allem im Investment-Management-Prozess noch viel stärker durchsetzen. Unternehmen werden mit KI beispielsweise ihr Liquiditätsmanagement deutlich verbessern, personalisiertere Portfolios erstellen und pflegen sowie Smart-Beta- und thematische Anlagestrategien mit geringeren Kosten umsetzen.
Mehr Transparenz und Fairness durch künstliche Intelligenz?
Obwohl der vollkommen virtuelle Berater noch in weiter Zukunft liegt, gibt es die Frage nach der Aufsicht und Transparenz von KI-Systemen. Die allgemeine Regel der Rentabilität lautet, die Komplexität zu reduzieren und die Automatisierung zu erhöhen, um letztendlich bessere Renditen zu erzielen. KI-Systeme können dabei sehr nützlich sein, sie können aber auch schnell zu einem erheblichen Reputationsschaden und einer negativen Kundenstimmung führen. Deshalb ist es wichtig, die Aufsicht durch Menschen da zu verstärken, wo Probleme akut auftreten können und unmittelbar behoben werden müssen. Zudem werden zunehmend synthetische Datensätze erstellt, die keine personenbezogenen Informationen mehr enthalten, um Vorurteile zu verringern oder zu beseitigen. Dies kann helfen, ethische und faire Entscheidungen zu treffen. Da jedoch viele Formen der künstlichen Intelligenz und des maschinellen Lernens durch die Interaktion mit fragwürdigen Datensätzen entwickelt wurden, besteht nach wie vor ein erhebliches Risiko, dass Vorurteile und Fehlinformationen, insbesondere durch die Open-Source-Ressourcen von Big Tech, aufrechterhalten und verschärft werden.„Unternehmen müssen proaktiv ihre eigenen KI-gestützten Ergebnisse auf systematische, transparente und konsistente Weise überprüfen. Es gäbe erste Tools, die Unternehmen vor Modellverzerrungen warnen können, aber dies sei nach wie vor ein Bereich, der die Aufsichtsbehörden vor Herausforderungen stelle.
Herausforderungen der KI-Systeme im (Privat-)Banking
Die Datenverfügbarkeit sowie die Qualität und Kennzeichnung dieser stellt für viele Unternehmen eine große Herausforderung dar. Aber auch die grundlegende Identifizierung wirtschaftlich sinnvoller Anwendungsfälle für KI sowie das Engagement der Mitarbeiter, die Prozesse und die anfallenden Investitionen. Unternehmen versuchen verzweifelt, ihr Kosten-Ertrags-Verhältnis zu verbessern und maschinelles Lernen und KI sind hier vielversprechend. Wenn automatisierte Systeme allerdings nur eingesetzt werden, um menschliche Arbeitskosten zu sparen, anstatt einen höheren Wert für Kunden durch besseren Service zu schaffen, werden sie nicht ihr volles Potenzial ausschöpfen können. Die Unternehmen sind aktuell noch nicht darauf vorbereitet, Daten-Mitarbeiter so zu behandeln wie die Kundenberater im Front Office, was sie langfristig aber werden lernen müssen. Adaptive Lösungen sind so konzipiert, dass sie regulatorische und Marktveränderungen als Chance bei der Gestaltung von Dienstleistungen und Angeboten sehen und nicht als Hindernisse oder neue Kosten, die die Investitionsrendite schmälern. Während Privatbanken oft dazu neigen würden, Compliance-Themen im Rahmen der Einhaltung von Vorschriften anzugehen, zeigt sich, dass man in Bereichen wie der „Suitability“ oder dem Modellmanagement völlig neue Fähigkeiten schaffen kann. Diese sollen es den Unternehmen ermöglichen, neue Engagement-Ansätze und Anlagedienstleistungen einzuführen, die die Gebühren erhöhen und neue Vertriebskanäle ermöglichen.
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
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[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
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[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
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### [Efficienza e semplificazione, i vantaggi del Business Process as a Service per il Wealth](https://objectway.com/efficienza-e-semplificazione-i-vantaggi-del-business-process-as-a-service-bpaas/)
**Published:** August 2, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Con l’evoluzione della domanda e l’intensificarsi degli adempimenti normativi, le soluzioni di BPaaS offrono agli operatori di wealth management l’opportunità di snellire i propri processi operativi.
**Content:**
# Efficienza e semplificazione, i vantaggi del Business Process as a Service per il Wealth
3 Agosto 2023 – Con l’evoluzione della domanda e l’intensificarsi degli adempimenti normativi, le soluzioni di Business Process as a Service (BPaaS) offrono agli operatori di wealth management l’opportunità di snellire i propri processi operativi e impiegare al meglio le risorse a loro disposizione. Il tema viene approfondito in questa intervista con We Wealth da Gianbattista Geroldi, CEO Italy di Objectway.
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In un contesto di mercato sempre più evoluto e frenetico, nel quale le esigenze della clientela e le richieste dei regolatori mutano frequentemente intersecandosi con i progressi della tecnologia, la digitalizzazione dei processi operativi è divenuta una delle priorità più rilevanti per gli istituti finanziari e per gli operatori del wealth management.
Non stupisce quindi che la domanda di servizi di outsourcing abbia registrato una forte crescita e che tra le diverse modalità di erogazione disponibili prendano sempre più piede le soluzioni di Business Process as a Service (BPaaS). Con **Gianbattista Geroldi, CEO Italy di Objectway**, vediamo in che modo questi servizi possano aiutare gli operatori del wealth management a reindirizzare energie e risorse verso le proprie attività core, delegando a partner strategici la gestione dei processi operativi.
Modelli Business Process as a Service: cosa sono…
Per capire quali vantaggi i modelli Business Process as a Service (BPaaS) possano apportare ai professionisti della gestione patrimoniale occorre prima capire cosa siano. “**Il BPaaS** – spiega Geroldi – **è una modalità di outsourcing per mezzo della quale un’azienda esternalizza le proprie attività non core a un partner esterno** in grado di fornire un’intera piattaforma di applicazioni e servizi a valore aggiunto atti a gestire queste ultime. Si tratta di un approccio che consente di mettere a disposizione degli operatori finanziari soluzioni, servizi e competenze per affiancare l’istituto nel percorso di innovazione e crescita, anche evolvendo il suo modello operativo e le relative strategie di business nel corso del tempo.
È quindi fondamentale confrontarsi e concordare sugli obiettivi e i risultati di medio/lungo periodo, per operare le scelte più adeguate. La delega di processi e funzionalità consente quindi all’azienda di concentrarsi sui propri obiettivi di business e di non dover gestire e/o mantenere la propria infrastruttura IT. I modelli di BPaaS sono completamente configurabili e aiutano a minimizzare i costi operativi, fornendo soluzioni on-demand che facilitano al contempo l’erogazione semplificata e più efficiente di prodotti e servizi finanziari”.
Attualmente sia nei settori pubblici che privati si fa già ampio ricorso a questo modello di outsourcing e secondo recenti stime il mercato globale dei modelli di BPaaS, che ha raggiunto i 60,8 miliardi di dollari di capitalizzazione nel 2022, potrebbe superare i 110 miliardi di dollari entro il 2028, con un tasso di crescita aggregato (CAGR) del 9,16% nel periodo 2023-2028.
…e quali vantaggi offrono al wealth management
Per quanto riguarda il segmento del wealth management, il ricorso ai modelli di BPaaS può aiutare gli operatori a focalizzare l’attenzione verso i propri clienti e ad approfondire le relazioni con essi, esternalizzando la gestione delle operazioni più complesse e ripetitive di front, middle e back-office.
I motivi sono molteplici: in primo luogo, esse non sono tipicamente aree la cui gestione diretta può determinare un **vantaggio competitivo**. In secondo luogo, essendo attività prevalentemente burocratiche e soggette ad una rapida evoluzione normativa, la loro esternalizzazione a partner specializzati permette di **liberare risorse e di automatizzare i processi**, riducendo il rischio di commettere errori. Inoltre, con più tempo e risorse a disposizione gli istituti finanziari e i gestori possono concentrarsi sulla **qualità del rapporto con i propri clienti e partner**, generando valore aggiunto attraverso la propria attività core.
“In definitiva, il ricorso a modelli di BPaaS non solo permette agli operatori del wealth management di sfruttare le innovazioni tecnologiche che incidono sul settore anziché rincorrerle, ma assicura loro di cogliere le opportunità offerte da queste innovazioni integrandosi con realtà professionali terze altamente specializzate e sviluppando un rapporto ancora più ricco con i propri clienti”, osserva l’esperto di Objectway.
BPaaS: l’esperienza di Objectway
Recentemente **[Objectway ha assistito un cliente nell’ottimizzazione dei processi operativi legati alla gestione di dati e all’elaborazione di un’ingente mole di documenti contrattuali.](https://objectway.com/download-case-study-unveiling-the-benefits-of-business-process-automation/)**
“La soluzione da noi proposta per la gestione dei processi di back-office – spiega Geroldi – è stata erogata in modalità BPaaS e utilizza la tecnologia Robotic Process Automation (RPA), capace di leggere contratti e documenti in formato PDF o JPEG grazie ad un sistema di conversione OCR (riconoscimento ottico dei caratteri) che permette di estrarre dati e informazioni. Allo stesso tempo la soluzione garantisce un monitoraggio in tempo reale attraverso un pannello di controllo dedicato che fornisce metriche, segnalazioni ed errori. Il sistema verifica la coerenza e la qualità dei dati, formulando una richiesta di intervento da parte di un addetto in caso di eventuali incongruenze”.
Il processo include l’inserimento dei pagamenti dei clienti e dei movimenti di denaro nel sistema di gestione tramite integrazioni appositamente create.
“I risultati – conclude Geroldi – sono stati significativi: il cliente gestisce 200-300 nuovi contratti al giorno, processando da 400 a 700 voci a settimana con un indice di conformità del 100% tra i dati elaborati tramite RPA e i record del sistema di gestione. La necessità di intervento umano nell’analisi delle disposizioni di trasferimento si riduce al 15%, con conseguente riduzione dei tempi di elaborazione e possibilità per il personale di concentrarsi su attività a valore aggiunto. Il sistema offre anche vantaggi in termini di scalabilità senza aumentare il numero di risorse man mano che aumentano i volumi di dati che devono essere verificati e inseriti”.
Il valore aggiunto che i modelli BPaaS offrono in termini di flessibilità, sicurezza e scalabilità sono già sotto gli occhi di banche, wealth e asset manager, che sempre più spesso esternalizzano l’attività di compliance, risk management e accounting.
[](https://www.linkedin.com/in/gianbattista-geroldi-070a322a/)### Gianbattista Geroldi
CEO Italy Objectway
## Related
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[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
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[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
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[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
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---
### ["Digitalisierung kompensiert geringere Margen mittelfristig durch Effizienzgewinne"](https://objectway.com/digitalisierung-kompensiert-geringere-margen-mittelfristig-durch-effizienzgewinne/)
**Published:** August 23, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Karl im Brahm, Objectway CEO Dach Region, erklärt in diesem Interview wann Digitalisierung im Private Wealth Management Sinn ergibt und warum der „menschliche Faktor“ bleibt.
**Content:**
# „Digitalisierung kompensiert geringere Margen mittelfristig durch Effizienzgewinne“
23\. August 2023 – Karl im Brahm kennt den deutschen Software-Markt für Banken seit Jahren. Mittlerweile ist im Brahm Deutschlandchef des italienischen Software-Konzerns Objectway – und erklärt im Interview, wann Digitalisierung im Private Wealth Management Sinn ergibt und warum der „menschliche Faktor“ bleibt.
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Karl im Brahm ist Deutschlandchef von Objectway: „Wenn ein Private-Wealth-Anbieter eine Integration gut und nachhaltig umsetzen will, muss er sehr genau planen.“
**private banking magazin:** Tun sich Private Wealth Manager bei der Digitalisierung schwer?
**Karl im Brahm:** Wir erleben in der Finanzindustrie einen enormen Veränderungsdruck. Daher lässt sich nicht pauschal beantworten, ob sich die Private Wealth Manager in der Digitalisierung schwertun. Aber die Rahmenbedingungen sind sicherlich sehr herausfordernd.
**private banking magazin:** Was meinen Sie damit genau?
**Karl im Brahm:** Durch die Zinspolitik sehen wir seit Jahren einen verstärkten Fokus auf das Beratungsgeschäft und sprechen von der Demokratisierung des Wealth Managements. Zurückgehende Margen im Banking führen schießlich zu einer Anpassung der Geschäftsmodelle. Wir stellen auch deshalb eine erhöhte Nachfrage nach einem Outsourcing im Kontext von Software-as-a-Service und Business-Process-as-Service fest, um von standardisierten Services und gemeinsamen Entwicklungen in der Community zu profitieren. Zudem investieren die Finanzinstitute zunehmend in Zukunftstechnologien, um im Wettbewerb mit den sogenannten Neo-Banken keine Marktanteile zu verlieren. Wer gehofft hat, dass der regulatorische Druck nach über 15 Jahren nach der Finanzmarktkrise eigentlich hätte abnehmen müssen, erkennt, dass wir unverändert ein sehr hohes Niveau an regulatorischen Vorhaben haben und Jahr für Jahr umsetzen müssen.
**private banking magazin:** Gilt das auch für den Software-Markt im Private Banking?
**Karl im Brahm:** Ja, weil sich das Kundenverhalten verändert. Mehr als 30 Prozent der HNWI+ wollen in den kommenden 3 Jahren ihren Vermögensverwalter wechseln, zudem werden Preisgestaltung, Transparenz und Nachhaltigkeit in der Vermögensverwaltung wichtiger. Und – ich nenne es „Mobile first“ – Kunden bevorzugen ein kanalübergreifendes Kundenerlebnis und Self-Service-Möglichkeiten, auch im Private Banking.
**private banking magazin:** Wie reagieren Private-Wealth-Anbieter auf Software-Seite darauf?
**Karl im Brahm:** Unsere Kunden und ich glaube alle Markteilnehmer beschäftigen sich intensiv mit mehreren Themenkomplexen:
- Cloud Services, um ihre IT-Infrastrukturen zu modernisieren, Kosten zu senken, die Skalierbarkeit ihrer Systeme zu verbessern und die Effizienz von Geschäftsprozessen zu steigern.
- Künstlicher Intelligenz, um hochpersonalisierte Portfolios und Anlagevorschläge zu ermöglichen, wodurch die Kundenbeziehung in den Mittelpunkt gerückt wird
- Blockchain und Distributed-Ledger-Technologie (DLT), um die Effizienz von Transaktionen zu erhöhen, die Daten- und Transaktionssicherheit zu verbessern und Kosten zu senken.
- Cybersicherheit, um ihre Systeme und Kundendaten zu schützen und
- Open Banking, welches die Grundvoraussetzung für die Zusammenarbeit in einem umfassenden Ökosystem ist.
**private banking magazin:** Im Private Wealth Management beruft man sich allerdings gerne auf den „menschlichen Faktor“. Wofür dann Software?
**Karl im Brahm:** Ich sehe die Vorteile eher im Zusammenspiel zwischen Mensch, Technologie und Software. Aber ja: Der „menschliche Faktor“ im Private Wealth Management ist unersetzlich. Er ist die Grundlage für Vertrauen. Software und Technologie können aber den Kundenservice und die Effizienz im Beratungsprozess verbessern. So vertrauen Banken auf Portfoliomanagement-Lösungen, um komplexe Algorithmen zur Vermögensallokation und Risikobewertung zu erstellen und zu überwachen. Im Kundenbeziehungsmanagement hilft Software und Technologie, Transaktionen und Kundendaten zu organisieren. Kanalübergreifende und effektive Kommunikation und bessere Kundenbetreuung werden so gewährleistet. Und besonders wichtig: Darüber hinaus ermöglicht der Einsatz von Software ein passgenaues Kunden- und vor allem das regulatorisches Reporting im Einklang mit den gesetzlichen Vorgaben.
**private banking magazin:** Ist die Software-Integration im Private Wealth Management vor diesem Hintergrund besonders herausfordernd?
**Karl im Brahm:** Herausfordernd, da es im Lösungsraum für das Private Wealth Management eine Vielzahl von komplexen Prozesse und Schnittstellen und individuellen Anforderungen gibt. Für die Umsetzung solcher Vorhaben benötigen die Anbieter in der Regel ein hohes Markt-, bankfachliches und prozessuales und Technologie-Verständnis. Wenn ein Private-Wealth-Anbieter eine Integration gut und nachhaltig umsetzen will, muss er sehr genau planen und auf die Interoperabilität der Software-Lösungen und Umsysteme achten, um nahtlose und effiziente Prozess zu ermöglichen. Darüber hinaus sind frühzeitig die Mitarbeiter zu trainieren.
**private banking magazin:** Was fragen Unternehmen aus dem Private Wealth Management in Sachen Software nach?
**Karl im Brahm:** Was wir immer vorfinden, sind Anforderungen daran, die Kundenerfahrung zu verbessern, Prozesseffizienzen zu steigern oder Systemunterstützung im Kontext von Anlageentscheidung. Dazu kommen ferner Anforderungen aus dem Risikomanagement, der Datensicherheit, der Cyber Security und der Compliance. Es werden dabei vermehrt die Lösungen nachgefragt, die im Software-as-a-Service-Modell betrieben werden können.
**private banking magazin:** Einige Private-Wealth-Anbieter wollen die geringeren Margen im Kundengeschäft mit niedrigerem Vermögen durch Digitalisierung wettmachen. Ergibt das Sinn?
**Karl im Brahm:** Mit der zunehmenden Digitalisierung und der Entstehung neuer Fintech-Unternehmen und dem Angebot über Online-Plattformen und Robo-Advisors haben jetzt auch breitere Bevölkerungsgruppen die Möglichkeit, ihre Anlageportfolios aufzubauen und zu verwalten. Die Technologie macht diese Entwicklung erst möglich. Und ich sehe nur Vorteile. Die Banken erreichen eine größere Kundenbasis, sie automatisieren Prozesse und können sich somit auf komplexere Kundenbedürfnisse fokussieren. Sie können darüber ihr eigenes Geschäftsmodell skalieren und ihre Angebotspalette diversifizieren, um den unterschiedlichen Kundenbedürfnissen gerecht werden. Die Digitalisierung kompensiert geringere Margen mittelfristig durch Effizienzgewinne.
**private banking magazin:** Wie sieht der Softwaremarkt für das Private Wealth Management in Deutschland aus?
**Karl im Brahm:** Es gibt eine Vielzahl von Software-Lösungen, die von verschiedenen Unternehmen angeboten werden. Der Lösungsraum reicht von Kunden-Onboarding, sogenannten Client-Lifecycl-Management-Systemen und Portfoliomanagement-Lösungen bis hin zu Robo-Advisor-Plattformen und Reporting-Tools, wobei es nur wenige Anbieter gibt, die für alle Ansprüche Software entwickeln.
**private banking magazin:** Ergibt es vor diesem Hintergrund Sinn, unterschiedliche Softwaredienstleistungen modular über Schnittstellen zu verbinden?
**Karl im Brahm:** Über Schnittstellen sind Software-Lösungen in der Tat leichter zu integrieren und system-agnostisch. Dies hilft den Implementierungsprozess zu beschleunigen, die Kosten zu senken und die Flexibilität zu erhöhen. Teilweise müssen ja auch regulatorische Vorgaben in einigen Teilen der Software aktualisiert werden. Da hilft es, wenn einzelne Module unabhängig voneinander aktualisiert werden können, ohne dass das gesamte System beeinträchtigt wird. Wir setzen deshalb ebenfalls auf einen eher modularen Ansatz.
**private banking magazin:** Beispiel Apobank: Software-Umstellungen gehen im deutschen Bankwesen in steter Regelmäßigkeit schief. Warum?
**Karl im Brahm:** Eine besondere Herausforderung ist oft die Komplexität der bestehenden Systemlandschaft und die Schwierigkeit, neue Systeme nahtlos zu integrieren. Oftmals müssen bestehende Systeme weiterhin betrieben werden, während neue Systeme parallel eingeführt werden, was den Umstellungsprozess kompliziert und fehleranfällig machen kann. Darüber hinaus kann eine falsch gewähltes Migrationsverfahren zu Verwerfungen führen.
**private banking magazin:** Wie lässt sich dem vorbeugen?
**Karl im Brahm:** Der Kommunikation im Ablauf der Transition kommt große Bedeutung zu. Mangelnde Kommunikation und Koordination zwischen den verschiedenen Abteilungen und Teams innerhalb der Bank und der Projektverantwortlichen, die vom Umstellungsprozess betroffen sind, führt zu Missverständnissen und Problemen. Es ist zudem wichtig, dass die Bank ihre Kunden frühzeitig über die bevorstehenden Änderungen informiert und sicherstellt, dass die Kunden ausreichend unterstützt werden, um mit den neuen Systemen zurechtzukommen.
**private banking magazin:** Objectway ist ein internationales Unternehmen, viele Regulierungen gelten aber auf nationaler Ebene. Hat Objectway deshalb in Deutschland zugekauft?
**Karl im Brahm:** Mit der Akquisition in Deutschland hat Objectway vor allem sein Portfolio von Wealth- und Asset-Management-Lösungen durch eine Kernbankenplattform erweitert. Wir wollen mit unserer As-a-Service-Plattform Privatbanken, Retailbanken, Vermögensverwaltern und Asset Managern mehr Skalierbarkeit für mehr Leistung bieten, um ihre gesamte Wertschöpfungskette zu unterstützen. Das treibt das Wachstum in der Emea-Region und weltweit voran.
Der Lösungsraum reicht von Kunden-Onboarding, sogenannten Client-Lifecycl-Management-Systemen und Portfoliomanagement-Lösungen bis hin zu Robo-Advisor-Plattformen und Reporting-Tools.
[](https://www.linkedin.com/in/karl-im-brahm/)### Karl im Brahm
Objectway CEO DACH Region
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
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[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
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---
### [„Cyber-Attacken gab es immer schon“](https://objectway.com/cyber-attacken-gab-es-immer-schon-datensicherheit-kommt-uber-diverse-masnahmen/)
**Published:** August 31, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Die Datensicherheit hängt von den Mitarbeitern und deren Umgang mit den Kundendaten ab. Karl im Brahm, CEO DACH-Region, erklärt im Interview, wie man sich bei der Führung seines Unternehmens vor Cyber-Attacken schützen kann.
**Content:**
# „Cyber-Attacken gab es immer schon“
31\. August 2023 – Karl im Brahm, CEO bei der deutschen Einheit des Softwareanbieters, spricht im Interview mit Finanzwelt-Redakteurin Lisa Brunner über innovative Lösungen in den Bereichen Wealth Management, Asset Management und Bankwesen.
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Objectway, eines der Top-100-Fintech-Unternehmen, unterstützt seit seiner Gründung im Jahr 1990 Finanzinstitute mit modernster Technologie bei der Umsetzung ihrer digitalen Transformationsprogramme. Das Unternehmen liefert intelligente und cloudfähige Lösungen, die das Kundenengagement steigern sowie die Produktivität im Front-Office und die Prozesseffizienz im Back-Office optimieren.
**finanzwelt:** Stellen Sie sich und Ihr Unternehmen doch bitte einmal vor, was macht Objectway?
**Karl im Brahm:** Das mache ich gerne. Mein Name ist Karl im Brahm, ich bin CEO von Objectway in der DACH-Region. Ich verantworte das Geschäft von Objectway in Deutschland, der Schweiz und Österreich. Objectway ist ein Top-100 global FinTech-Unternehmen im Bereich Software und Service. Wir bieten europaweit Software für Banken, Asset- und Wealth-Manager. Objectway selbst hat rund 800 Mitarbeiter, wir operieren in 16 Ländern und erwirtschaften im Schnitt 100 Mio. Euro Umsatz. Unser Angebot umfasst Front-to-Back-Lösungen in verschiedenen Modellen wie SaaS (Software-as-a-Service, a.d.R.) oder BPaaS (Business-Process-as-a-Service, a.d.R.). Das heißt für alles, bei dem Kunden Banken, Asset- und Wealth-Manager erleben, bieten wir eine Lösung.
**finanzwelt:** „Front to back”, d.h. auch das Speichern und Verarbeiten von Datenverarbeitung. Das läuft dann alles über Objectway?
**im Brahm:** Das hängt immer vom Geschäftsmodell ab, mit dem wir mit dem jeweiligen Kunden zusammenarbeiten. Im Regelfall sind die Banken selbst für den Datenhaushalt verantwortlich. Wenn wir mit Kundendaten arbeiten, erfolgt das immer auf dem „höchsten Sicherheitsstand” in der Softwareentwicklung aber auch im Handling der Daten. „Höchster Sicherheitsstand” in Anführungszeichen, weil die Welt sich immer wieder ändert und man sich stets auf den neusten Stand bringen muss. Arbeiten wir mit einem Kunden in einem SaaS-Modell, managen wir den Datenhaushalt, allerdings immer nach den Vorgaben der Banken bzw. unserer Kunden.
**finanzwelt:** Wie garantieren Sie Datensicherheit?
**im Brahm:** Datensicherheit kommt über diverse Maßnahmen. Sie fängt bei den Mitarbeitern und ihrem Umgang mit Kundendaten an. Es bedarf immer eines Trainings der Mitarbeiter, sie müssen regelmäßig geschult und informiert werden, vom Management bis in alle anderen Ebenen. Im Regelfall geht es für uns dann auch darum, wie wir gemeinsam mit dem Kunden und seinen Daten arbeiten. Das erfolgt oft über eine gemeinsame Infrastruktur, das Stichwort hier ist Netzwerksicherheit. Standardmaßnahmen sind dafür beispielsweise Firewalls und Zwei-Faktor-Authentifizierungen, die man im Software-Entwicklungsprozess gemeinsam mit den Kunden durchführt. Ein weiterer wichtiger Punkt ist die Datenverschlüsselung, aber auch das ist Standard im Softwareentwicklungsprozess. Zusätzlich müssen sich Banken, Asset- und Wealth Manager auf Krisenfälle vorbereiten. Dafür wird ein sogenannter Incident-Response-Plan erstellt, der zu befolgen ist wird, wenn ein Datenmissbrauch festgestellt wird. Der Regulator gibt dabei feste Vorgaben, die eingehalten werden müssen, z.B. die Einberufung eines Krisenstabs. Außerdem geht es auch um Prävention, Datenmissbrauch zu verhindern. Unsere Kunden und auch wir lassen sich regelmäßig extern auditieren. Dabei wird überprüft, wie der Umgang mit Daten erfolgt und ob es Schwachstellen gibt, die dann ausgemerzt werden können. Es gibt immer ein Risiko, deshalb muss man sich, wie bereits erwähnt, immer weiterentwickeln.
**finanzwelt:** Kam es in der letzten Zeit auch vermehrt zu Cyber-Attacken und wenn ja, seit wann?
**im Brahm:** Cyber-Attacken gab es immer schon. Aber wir stellen seit ca. 2019/2020 durchaus einen Anstieg fest. Sicherlich wird das über den Ukraine-Konflikt verstärkt, zumindest in der Wahrnehmung. Es gibt prominente Beispiele aus Deutschland, die öffentlich bekannt sind, z.B. wurde 2020 die Sparkassen-Gruppe mit eine DDoS-Attacke angegriffen (Distributed Denial of Service, a.d.R.). D.h. über eine Vielzahl von Zugriffen wurden Systeme überlastet. Die Deutsche Bank wurde 2019 angegriffen, die N26 im Jahr 2020. Mittlerweile werden auch IT-Dienstleister der Finanzbranche wie CompuCom, ein Serviceprovider für große Wholesale-Banken, oder im Herbst 2020 Finastra, die 9.000 Banken serviciert, angegriffen. Cyberkriminalität ist auch in der Finanzindustrie angekommen. Aber auch hier gelten all die Maßnahmen, die ich gerade aufgezählt habe. Es ist wichtig , sich stets weiterzuentwickeln und immer wieder auf neue mögliche Attacken einzustellen. Cybersecurity als solches ist ein Mega-Trend, dem sich auch die Finanzindustrie stellen muss. Genau wie die Themen Open Banking, Cloud Computing oder AI (engl.: Artificial Intelligence, KI zu Deutsch, a.d.R.).
**finanzwelt:** Damit haben Sie die nächste Frage quasi bereits beantwortet: Welche Trends und Entwicklungen zeichnen sich für dieses Jahr ab?
**im Brahm:** Für dieses Jahr ist zu kurz gesprochen. Die Trends, die ich gerade genannt habe, also Cloud Computing, Artificial Intelligence, Blockchain, DLT-Technologie, Cybersecurity, Open Banking, die können wir bereits seit mehreren Jahren identifizieren. Banken befassen sich damit auch schon länger und setzen entsprechende Maßnahmen sukzessive um. Die Themen, die an der „Front” stattfinden, liegen besonders im Fokus der Banken. Aktuell gilt es kontinuierlich die Customer Experience zu erhöhen und die digitale Transformation voranzutreiben, gerade auch im Kontext von: Wie agiere ich mit meinen Kunden. Da spielt nämlich der Wettbewerb. In Deutschland gibt es 1.700 Banken, neun Trillionen Assets, die Anzahl der Banken ist rückläufig, es findet eine Konsolidierung statt, während die Assets steigen. Die aktuelle Zinspolitik der EZB stellt den Markt vor weitere Herausforderungen. Im Banking herrscht ein Margenverfall, die Banken achten vermehrt auf ihre Kostenpositionen. Aber ganz wichtig: Wir stellen auch einen Anstieg des Kundenbedürfnisses nach einem kanalübergreifenden Angebot fest – Omnichannel. Und die entsprechende Lösung muss outstanding sein. Das bedeutet, dass Banken, die eine optimale Lösung bereitstellen, auch die Chance haben, Kunden im Lifecycle zu bedienen. Auch das ist ein Trend. Ein weiterer Trend ist „mobile first”, was längst kein Generationsthema mehr ist. Alle Generationen sind mittlerweile mobile first, auch darauf müssen Banken sich einstellen. Um dieser Entwicklung gerecht zu werden, wechseln wir im B2B-Geschäft mit unseren Lösungen zunehmend vom klassischen Lizenzgeschäft zu einem Service-Geschäft. Das heißt SaaS ist das Stichwort – Software-as-a-Service. Das erhöht die Flexibilität unserer Kunden. IT-Dienstleistungen, die Banken vorher selbst geleistet haben, werden jetzt an Drittdienstleister outgesourced. Das gleiche gilt auch für das Processing, das nennt man dann BPaaS, Business-Process-as-a-Service.
**finanzwelt:** Bei welchen Punkten herrschen denn bei Ihren Kunden der größte Bedarf? Was wird aktuell zuerst und so schnell wie möglich gebraucht?
**im Brahm:** Der aktuelle Fokus liegt in der Tat in der Marktberarbeitung, weil der Wettbewerb sehr groß ist. Zu allen Themen, die unsere Kunden für das Tagesgeschäft nachfragen, gibt es aktuell Projekte. Dabei geht es hauptsächlich um die Optimierung der Customer Experience. Gleichzeitig stellen wir bei unseren Kunden fest, dass sie zunehmend ihr Produktangebot verbessern, Stichwort ESG. Auch dabei geht es um Daten, Datenverarbeitung und Integrationsleistung. Ein Schwerpunkt ist auch die Anpassung der Geschäftsmodelle unserer Kunden in puncto digitale Transformation.
**finanzwelt:** Gibt es auch ein Thema, der Ihnen persönlich am Herzen liegt? Wo sie sagen, das möchte ich in meiner Position vorantreiben?
**im Brahm:** Aus der Perspektive eines Dienstleisters geht es darum, den Kunden bestmöglich zu befähigen im Wettbewerb erfolgreich zu sein zu können. Ein Schwerpunkt den ich bei den meisten Kunden sehe, ist die Überleitung des Geschäftsmodells in ein SaaS-Modell. Ich bin davon überzeugt, dass Banken, Asset- und Wealth Manager in der Marktverarbeitung gut aufgestellt sind. Niemand kennt seine Kunden besser als sie. In der Kundenberatung ist das persönliche Erlebnis viel wichtiger als nur eine App. Dazu braucht es vielleicht auch Freiräume und ich möchte den Banken helfen, sich von administrativen Aufgaben zu entledigen. Ich bin davon überzeugt, dass wir als Provider auch gut organisieren und vor allem Skalen produzieren können, Stichwort: economies of scale, über eine Plattform. Klassisches Plattform-Business. Das ist der Fokus meiner Arbeit. Natürlich würde ich auch immer gerne neue Kunden gewinnen, aber der erste Fokus liegt darauf, den Wechsel in das SaaS-Modell voranzutreiben.
**finanzwelt:** Um nochmal auf das Thema künstliche Intelligenz zurückzukommen, welche Rolle spielt KI bereits in ihren Softwarelösungen und in ihren Angeboten?
**im Brahm:** KI wird das Banking entscheidend verändern. KI wird Entscheidungsprozesse beschleunigen, Entscheidungsgrundlagen werden breiter fasst und gleichzeitig kann man mit ihr Kundenverhalten und ‑bedürfnisse zu analysieren. Es gibt genug Praxisbeispiele dafür, im Investmentprozess kann ich die Portfoliostruktur über KI optimieren, im Kreditgeschäft kann ich den Entscheidungsprozess optimieren, und auch beim Produktangebot und den Backoffice-Prozessen kann KI unterstützen. Das ist natürlich alles in Software abzubilden, weil es immer Entscheidungspunkte gibt, bei denen KI unterstützt. Im Wesentlichen geht es für die Banken auch darum, dass dann zu monetarisieren, denn Daten sind Gold. Das muss software- und prozessseitig in einem regulatorischen Rahmen abgebildet werden. In unseren klassischen Software-Produkten denken wir ebenfalls in KI. Ich gehe davon aus, dass sich Prozesse in den nächsten zwei bis drei Jahren beschleunigen werden. Wir haben jetzt schon die Diskussion um ChatGPT, da werden jetzt alle wach, auch der Regulator, und man bekommt Respekt vor dem ganzen Thema. Meiner Meinung nach braucht es deshalb auch das grade erwähnte regulatorische Framework. Man muss KI beherrschen und vernünftig einsetzen, zum Wohle der Kunden.
**finanzwelt:** Wie wirkt sich die aktuelle gesamtwirtschaftliche Lage in Ihrem Bereich, also der DACH-Region, aber auch global, auf Ihr Geschäft aus, vor allem auch im Hinblick auf die „Bankenkrise” (Credit Suisse, Silicon Valley Bank)?
**im Brahm:** Wiewirken sich generell Krisen auf unser Geschäftsmodell aus? Wenn ich das für Deutschland beantworte, würde ich sagen, die deutsche Wirtschaft ist relativ robust. Gerade im Vergleich zu der Zeit nach der Finanzmarktkrise 2008, als es eine Rezession gab. Trotz der Einschläge, die wir mit COVID, dem schrecklichen Russland-Ukraine-Krieg und einer jüngst „kleineren” Bankenkrise in den USA und in der Schweiz erlebten, zeigten die Märkte sich relativ robust. Es herrscht keine Rezession, sondern eine stabile Wirtschaft. Wir sprechen darüber, ob wir im nächsten Jahr 1 % oder 1,5 % wachsen, je nachdem, wen man befragt. Und ich hätte es nicht für möglich gehalten, dass sich die Wirtschaft so „gut” schlägt, trotz der schrecklichen Ereignisse. Das gleiche gilt für die Schweiz und Österreich. Wie wirkt sich das auf das Kundengeschäft aus – ich sagte gerade, die total Assets steigen in den Märkten, neun Trillionen total Assets in Deutschland, Jahr für Jahr ein Anstieg. Und auch in den Kundenbeständen sehe ich Wachstum. Das hängt sicherlich mit der Zinspolitik zusammen, weil die Menschen nach entsprechenden Wertanlagen suchen, ungleich eines Sparbuchs, einer Termineinlage, so wie es früher vielleicht der Fall war. So erlebe ich die Situation, ich persönlich hätte mehr negative Auswirkungen erwartet, aber das Umfeld ist stabil. Wie lange das anhält, kann ich jedoch nicht sagen.
**finanzwelt:** Das Motto Ihrer diesjährigen Customer Conference im April war: „Nachhaltige Innovation in großem Stil”. Was bedeutet nachhaltige Innovation für Sie und Objectway?
**im Brahm:** Wir haben gerade einen längeren Strategieprozess abgeschlossen, bei dem wir unsere Produktlösungen analysiert haben. Wir haben hinterfragt, ob es Sinn macht, mit Produkten auf Kunden zuzugehen und haben festgestellt, dass es viel sinnvoller ist, vom Kundenbedürfnis her zu denken. Wir müssen unseren Kunden Lösungen anbieten, die ihre Bedürfnisse abdecken. Und unter den Stichwort Nachhaltigkeit verbergen sich sehr viele Aspekte. Es geht um die Auswirkung auf die nachhaltige Kundenbeziehungen und ein nachhaltiges Geschäftsmodell. Innovation findet dann gemeinsam mit unseren Kunden in den Lösungskonzepten statt. Kundenbedürfnisse verstehen und dann gemeinsam mit ihnen Lösungen entwickeln, so entsteht Innovation, die Nachhaltigkeit für die Zukunft ausstrahlt. Das ist die Idee hinter dem Motto. Wir sehen hier drei Schwerpunkte. Zum einen wieder die Customer Experience, das Produktangebot von Banken, Asset und Wealth Managern, darin steckt erneut viel Nachhaltigkeit, und dann auch das eigene Business-Modell unserer Kunden. Denn auch das muss nachhaltig, mit einer zukunftsträchtigen Technologie gestaltet werden, die den digitalen Anforderungen gerecht wird. Damit sind wir laut dem Feedback, das wir gemeinsam mit unseren Kunden besprochen und entsprechende Ansätze entwickelt haben, auf dem richtigen Weg.
**finanzwelt:** Das bedeutet also, Sie erstellen immer wieder individuelle Lösungen gemeinsam mit den Kunden? Es gibt keinen One-Fits-All-Lösungsansatz?
**im Brahm:** Generell steht immer der Kunde und eine Plattform im Mittelpunkt, weil Plattform skaliert — economies of scale. Plattform vereinbart Know-how, Economies of Scope, und ermöglicht Standardisierung im Sinne von Kostenreduktion im eigenen Betrieb. Dabei ist auch wichtig, welche Plattform für welchen Kunden funktioniert. Privatbanken und Asset oder Wealth Manager haben natürlich unterschiedliche Geschäftsmodelle, aber es gibt auch Gemeinsamkeiten. Je nachdem kann man dann auch gemeinsame Plattformen nutzen, aber insgesamt steht immer das Kundenbedürfnis im Fokus.
**finanzwelt:** Vielen Dank für das Interview!
## Related
[All](#)[\#about-objectway](#)[\#compliance](#)[\#digital-transformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
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[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
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[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
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### [Objectway sponsor at the Digital Finance Forum8th December 2022](https://objectway.com/objectway-sponsor-at-the-digital-finance-forum-2022/)
**Published:** December 2, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will take part as sponsor to the 10th Edition of the Digital Finance Forum, one of the biggest platform for top decision makers in the industry.
**Content:**
# Objectway sponsor at the Digital Finance Forum – Leading tomorrow’s bank
8th December 2022 – Objectway lands in Helsinki! We will be sponsor at the Digital Finance Forum – Leading Tomorrow’s Bank event organized by Fintech Farm.
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## Agenda
8th December 2022
09:00am – 06:00pm (GMT+2)
Leading Tomorrow’s Bank
Jos Martens, Senior Business Development Manager Benelux and Nordics Objectway
Kurt Vanhee, Managing Director Continental Europe & North America Objectway
Objectway will take part as sponsor to the **10th Edition of the Digital Finance Forum**, one of the biggest platform for top decision makers in the industry to discuss trends, strategies and technologies of the future of finance.
## Event Information
8th December, Clarion Hotel & Conference Centre, Tyynenmerenkatu 2 00220, Helsinki
Meet us at our booth and **[register here!](https://www.helsinkifintech.fi/event/future-digital-finance-forum/#schedule)**
We’re looking forward to meeting you in Helsinki!
## Conference Delegates
Jos Martens
Jos has been working for Objectway since 2006 in a number of international business development, sales and partner management roles. Today he is the Director Sales and Business Development for Benelux and Nordics areas.
Kurt Vanhee
With a professional career of nearly 30 years in various roles in large and medium size banking and IT organizations, Kurt has built a strong knowledge of Wealth Management, IT, Customer Delivery and Business Development activities in an international environment. In his current position at Objectway, as Managing Director Continental Europe & North America, he encourages a customer-centric approach.
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[„Deutschland ist noch etwas altmodisch unterwegs“](https://objectway.com/abn-amro-und-hauck-aufhauser-lampe-fusionieren-zur-drittgrosten-privatbank-deutschlands/)[Article](https://objectway.com/category/article-genitore/article-glo/)### „Deutschland ist noch etwas altmodisch unterwegs“
4 August 2026
[Advisor-friendly tech developments not limited to AI](https://objectway.com/advisor-friendly-tech-developments-not-limited-to-ai/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Advisor-friendly tech developments not limited to AI
11 April 2025
[Objectway supports Goodacre’s City of London Wealth Management Awards 202525th March 2025](https://objectway.com/objectway-supports-goodacres-city-of-london-wealth-management-awards-2025/)[Event](https://objectway.com/category/event-glo/)### Objectway supports Goodacre’s City of London Wealth Management Awards 202525th March 2025
22 March 2025
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**Categories:** Event
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---
### [Objectway sponsor at Wealth Tech Day 2023 in Luxembourg26th January 2023](https://objectway.com/objectway-sponsor-at-wealth-tech-day-2023/)
**Published:** January 3, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will attend the Wealth Tech Day 2023 Edition to discuss the challenges that wealth management will face in the coming years, involving digital transformation.
**Content:**
# Objectway sponsor at Wealth Tech Day 2023 organized by hubfinance
26th January 2023 – Objectway will attend the Wealth Tech Day 2023 Edition to discuss the path towards digital transformation in wealth management and what will be the challenges to face in the coming years.
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Objectway at Wealth Tech Day 2023 in Luxembourg
Kurt Vanhee, Objectway Managing Director Continental Europe & North America, showcases Objectway’s business development, its current customers and its future challenges focused on re-platforming and digitalizing the client experience path, with the aim to provide a new type of client portfolio and to improve the relationship with clients.
## Agenda
26th January 2023
8:00am – 2:00pm
Kurt Vanhee, Managing Director Continental Europe & North America Objectway
Jos Martens, Objectway Senior Business Development Manager
Objectway opens the new year with its participation to the **Wealth Tech Day** in Luxembourg.
The conference will give the chance to thought leaders and business players to discuss some of the main and ongoing topics regarding **the future of wealth management**, like the path to **customer-centric business model** and the threats on which **cybersecurity** is currently working to preserve operations and reputation.
Stay tuned to discover more on the themes that will be addressed during the event!
## Event Information
26th January 2023, European Convention Center, 4 Pl. of Europe, 1499 Luxembourg
Meet us at our booth and do not hesitate to [contact us](mailto:mktg@objectway.com) to book your ticket!
We’re looking forward to meeting you in Luxembourg!
## Conference Delegates
Kurt Vanhee
With a professional career of nearly 30 years in various roles in large and medium size banking and IT organizations, Kurt has built a strong knowledge of Wealth Management, IT, Customer Delivery and Business Development activities in an international environment. In his current position at Objectway, as Managing Director Continental Europe & North America, he encourages a customer-centric approach.
Jos Martens
Jos has been working for Objectway since 2006 in a number of international business development, sales and partner management roles. Today he is the Sales and Business Development Director with a focus on Benelux and Nordics areas.
## Related
[All](#)[\#digital-transformation](#)[\#oneobjectway](#)[\#sponsor](#)[\#wealthtech](#)
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
[„Deutschland ist noch etwas altmodisch unterwegs“](https://objectway.com/abn-amro-und-hauck-aufhauser-lampe-fusionieren-zur-drittgrosten-privatbank-deutschlands/)[Article](https://objectway.com/category/article-genitore/article-glo/)### „Deutschland ist noch etwas altmodisch unterwegs“
4 August 2026
[Objectway expands into capital markets with its project to acquire French specialist SLIB, pushing forward its pan-European growth strategy](https://objectway.com/objectway-expands-into-capital-markets-with-its-project-to-acquire-french-specialist-slib-pushing-forward-its-pan-european-growth-strategy/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Objectway expands into capital markets with its project to acquire French specialist SLIB, pushing forward its pan-European growth strategy
27 July 2026
## Sign Up for our Newsletter
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---
### [Objectway sponsor at #TBSCONF23LUX31st January 2023](https://objectway.com/objectway-at-the-banking-scene-luxembourg-conference-2023/)
**Published:** January 5, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will be 2 Star Sponsor at the the 4th Edition of the #TBSCONF23LUX! Don't miss the chance to meet international stakeholders to explore the future of bank!
**Content:**
# Objectway sponsor at The Banking Scene Conference in Luxembourg
31st January 2023 – Objectway will be 2 Star Sponsor at the #TBSCONF23LUX. Don’t miss the chance to meet peers and stakeholders and get through the shape of a new banking ethos.
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## Agenda
31st January 2023
15:55 – 16:15
Principles of innovation Diamond in Private Banking
Kurt Vanhee, Managing Director Continental Europe & North America Objectway
Objectway is delighted to announce its participation to the **4th Edition of the #TBSCONF23LUX**. This will be a great opportunity to get in touch with a mix of national and international financial business professionals, pursuing the aim to explore the **renewed profile of the banking industry**.
The speech will deep-dive some of the themes that shape technology-enabled innovation strategies in financial services, like:
- **Customer Experience**
- **Product and offering evolution**
- Externalisation of**essential infrastructures and software solutions (SaaS, Cloud, Bpaas)**
## Event Information
31st January 2023, Confiserie Namur, Luxembourg
**[Click here to learn more](https://tbsconf23lux.thebankingscene.com/)** and view the full event agenda!
We’re looking forward to meeting you in Luxembourg!
## Speakers
Kurt Vanhee
With a professional career of nearly 30 years in various roles in large and medium size banking and IT organizations, Kurt has built a strong knowledge of Wealth Management, IT, Customer Delivery and Business Development activities in an international environment. In his current position at Objectway, as Managing Director Continental Europe & North America, he encourages a customer-centric approach.
## Related
[All](#)[\#luxembourg](#)[\#oneobjectway](#)[\#privatebanking](#)[\#sponsor](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
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---
### [Objectway sponsor at Digital Integration in Wealth Management 202321st | 22th February 2023](https://objectway.com/objecway-sponsor-at-digital-integration-in-wealth-management-london-2023/)
**Published:** January 24, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will attend the 7th Edition of the Digital Integration in Wealth Management Conference in London as Gold Partner. Come visit us at our booth!
**Content:**
# Objectway sponsor at Digital Integration in Wealth Management 2023
21st | 22nd February 2023 – Objectway will be sponsor at the 7th Edition of the Digital Integration in Wealth Management Conference in London organized by Arena International. Come visit us and discover new key insights for the development of your business.
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## Agenda
21st | 22nd February 2023
9:30am – 10am
Achieving higher lifetime value for customers. Applying the principles of the innovation diamond
Tariq Khan, Director of Sales and Account Management Objectway
Objectway is delighted to announce its participation as Gold Partner to the **Digital Integration in Wealth Management Conference** returning in London with its 7th Edition for drawing expertise from top wealth management and private banks across the UK and Europe.
With high-level talks and discussions delivered by guest speakers, the attendees will have the chance to better understand how to create a personalised offering for their clientele segments and to discover new strategies and processes powered by innovation and client-centric values.
Stay tuned and discover more about the keypoints that will be addressed during the presentation:
- how to improve client experience through an **omni-channel and personalised approach;**
- the need to focus on key business priorities, such as the **change of legacy systems**;
- the ongoing effort of achieving the balance between **managing IT spend and maximising front-office productivity**.
## Event Information
21st – 22nd February 2023, Royal Lancaster London
Meet us at our booth and do not hesitate to **[contact us](mailto:mktg@objectway.com)** to register to the event!
**[Click here](https://www.arena-international.com/event/wealth/#why-attend)** to learn more.
We’re looking forward to meeting you in London!
## Speakers
Tariq Khan
Tariq is Client Development Director at Objectway – global player offering end-to-end digital-ready solutions for Wealth, Bank & Asset Managers. Tariq has been working with UK wealth managers for over 10 years, with a focus on digital transformation, advising firms on how they can make the most of digital solutions in order to improve their client experience, operational efficiency, and become future ready.
## Related
[All](#)[\#customerexperience](#)[\#digitaltransformation](#)[\#oneobjectway](#)[\#wealth-management](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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---
### [Objectway partners with CeTIF for the “Disruptive technologies for a digital wealth” Community Event14th March 2023](https://objectway.com/objectway-e-cetif-per-distruptive-technologies-per-un-wealth-digitale/)
**Published:** March 1, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway sarà Silver Partner in occasione del Community Event “Disruptive technologies per un Wealth Digitale” organizzato dal CeTIF e Università Cattolica.
**Content:**
# Objectway partners with CeTIF for the “Disruptive technologies for a digital wealth” Community Event
14th March 2023 – Objectway will be Silver Partner for the “Disruptive technologies for a digital wealth” Community Event organized by CeTIF, the Università Cattolica Research Centre for Technologies, Innovation and Financial Services.
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## Agenda
14th March 2023
10:00 – 16:30
Disruptive technologies for a Digital Wealth
As part of the events organized by CeTIF for the 2023 Digital Wealth Management HUB, Objectway is glad to announce its participation as partner of the community event dedicated to the improving of the Robo4Advisory tools and to the optimization of the digital wealth management platforms.
Indeed, it is expected that in the next 3 years the digitalization projects will be focused especially on AI Solutions and advanced systems of data analysis.
Among the main themes that will be addressed by the speakers, there will be:
- Robo4Advisor & Portfolio Management;
- AI, data and client relationship;
- DEFI and metaverse: which will be the role for the wealth ecosystem?
## Event Information
14th March 2023, Dual Mode
To find out more, **[click here!](https://www.cetif.it/event/community-event/disruptive-technologies-per-un-wealth-digitale)**
## Related
[All](#)[\#digital-change](#)[\#digital-transformation](#)[\#wealth-management](#)[\#wealthtech](#)
[„Deutschland ist noch etwas altmodisch unterwegs“](https://objectway.com/abn-amro-und-hauck-aufhauser-lampe-fusionieren-zur-drittgrosten-privatbank-deutschlands/)[Article](https://objectway.com/category/article-genitore/article-glo/)### „Deutschland ist noch etwas altmodisch unterwegs“
4 August 2026
[Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen](https://objectway.com/skalierungslucke-warum-ki-investitionen-an-der-kundenschnittstelle-verpuffen/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen
4 August 2026
[OWIN26: as-a-service e AI per trasformare la complessità in efficienza](https://objectway.com/owin26-as-a-service-e-ai-per-trasformare-la-complessita-in-efficienza/)[Article](https://objectway.com/category/article-genitore/article-glo/)### OWIN26: as-a-service e AI per trasformare la complessità in efficienza
8 July 2026
## Sign Up for our Newsletter
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---
### [Objectway sponsor at #TBSCONF23AMS21st March 2023](https://objectway.com/objectway-1star-sponsor-at-tbsconf23ams/)
**Published:** March 3, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will attend the second appointment of The Banking Scene Conference 2023 as 1–Star Sponsor in Amsterdam.
**Content:**
# Objectway sponsor at The Banking Scene Conference in Amsterdam
21st March 2023 – Objectway will attend the second appointment of The Banking Scene Conference 2023 as 1–Star Sponsor in Amsterdam.
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## Agenda
21st March 2023
12:30 – 17:45
Kurt Vanhee, Managing Director Continental Europe & North America Objectway
Objectway is proud to welcome you to the second part of **The Banking Scene Conference 2023 Edition** that this time will take place in Amsterdam, bringing together more than 100 attendees.
Get ready to network with C-level executives and to deepen the **latest insights about the future of banking.**
The event will be a unique chance to share ideas and get in touch with thought leaders to **boost and to foster your business.**
## Event Information
21st March 2023, Eye Filmmuseum, Amsterdam
Curious to find out what #TBSCONF23AMS has to offer? **[Consult the program here](https://tbsconf23ams.thebankingscene.com/)** and get ready to reserve your seat!
We’re looking forward to meeting you in Amsterdam!
## Conference Delegates
Kurt Vanhee
With a professional career of nearly 30 years in various roles in large and medium size banking and IT organizations, Kurt has built a strong knowledge of Wealth Management, IT, Customer Delivery and Business Development activities in an international environment. In his current position at Objectway, as Managing Director Continental Europe & North America, he encourages a customer-centric approach.
## Related
[All](#)[\#financial-planning](#)[\#financialservices](#)[\#oneobjectway](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
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---
### [Objectway partners with L’Agefi for the Private Management Forum in Paris11th April 2023](https://objectway.com/private-wealth-management-forum-2023/)
**Published:** April 11, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway is pleased to invite you to the 8th Edition of the Private Wealth Management Forum in Paris organised by L'Agefi on the 11th of April. Meet us at our booth!
**Content:**
# Objectway partners with L’Agefi for the Private Management Forum in Paris
11th April 2023 – Objectway will attend the 8th Edition of the Private Wealth Management Forum dedicated to private bankers and family officers. Discover more about the program and meet us at our booth!
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How to take advantage of the best of innovation to achieve a long-term sustainable growth
During the last Edition of the Forum de la Gestion Privée by L’Agefi, Dr. Alexander Cassar, Objectway Chief Business Operation Officer, has described how innovation will impact on wealth management future challenges. Watch now the video interview released!
## Agenda
11th April 2023
17:15 – 17:30
How to take advantage of the best of innovation to achieve sustainable growth for your establishment?
Dr. Alexander Cassar, Chief Business Operations Officer Objectway
Kurt Vanhee, Managing Director Continental Europe & North America Objectway
Objectway is pleased to announce its participation to the **Private Wealth Management Forum**, the conference dedicated to formers and future private bankers with the main goal to extend their practice, **offering a more agile, personalised and sustainable approach**.
**During the 8th Event Session, Alexander Cassar, Objectway Chief Business Operations Officer**, will be interviewed by Tuba Raqshan, to find out which are the best innovation that need to be adopted to achieve a long-term sustainable growth for the businesses and how to take advantage from them.
## Event Information
11th April 2023, Shangri-La hotel Paris
Meet us at our booth and for more information **[consult here](https://fgp.evenements.agefi.fr/onglet-programme?q=)** the full program!
We’re looking forward to meeting you in Paris!
## Speakers
Dr. Alexander Cassar
Sandro is responsible for the improvement of the Group’s business operations. An accomplished professional with over 30 years experience delivering global large-scale transformation programmes and management at Board level in financial services. He is a chartered accountant with Doctorate and Masters degrees in strategic information systems for wealth and asset management.
Kurt Vanhee
With a professional career of nearly 30 years in various roles in large and medium size banking and IT organizations, Kurt has built a strong knowledge of Wealth Management, IT, Customer Delivery and Business Development activities in an international environment. In his current position at Objectway, as Managing Director Continental Europe & North America, he encourages a customer-centric approach.
## Related
[All](#)[\#about-objectway](#)[\#digital-transformation](#)
[Objectway wins eighth consecutive Goodacre Award for Best Wealth Management System](https://objectway.com/objectway-wins-eighth-consecutive-goodacre-award-for-best-wealth-management-system/)[Awards](https://objectway.com/category/article-genitore/awards-glo/)### Objectway wins eighth consecutive Goodacre Award for Best Wealth Management System
11 June 2026
[Objectway recognised again for enabling digital transformation and resilience in financial services](https://objectway.com/objectway-recognised-again-for-enabling-digital-transformation-and-resilience-in-financial-services/)[Awards](https://objectway.com/category/article-genitore/awards-glo/)### Objectway recognised again for enabling digital transformation and resilience in financial services
8 July 2025
[Objectway celebrates twelfth consecutive Goodacre Award, driven by deep client trust and long-standing partnerships](https://objectway.com/objectway-celebrates-twelfth-consecutive-goodacre-award/)[Awards](https://objectway.com/category/article-genitore/awards-glo/)### Objectway celebrates twelfth consecutive Goodacre Award, driven by deep client trust and long-standing partnerships
1 July 2025
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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---
### [Objectway will be sponsor of the next Compeer WealthTech Summit 202326th April 2023](https://objectway.com/objectway-at-compeer-wealthtech-summit-2023/)
**Published:** April 26, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will be sponsor at the WealthTech Summit 2023 organised by Compeer. Meet us and discover how the UK wealth industry will continue to expand.
**Content:**
# Objectway will be sponsor of the next Compeer WealthTech Summit 2023
26th April 2023 – Objectway is going to attend as sponsor the WealthTech Summit 2023 organised by Compeer. Meet us and discover how the UK wealth industry will continue to expand in the future.
Yes, I want to receive updates about Objectway events. I have read and agree with the [Privacy Policy & Terms of Use](/privacy/)Your brand company
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## Agenda
26th April 2023
03:00pm – 06:00pm
WealthTech 2023: Future Proofing the operating model through technology innovation
Tariq Khan, Objectway Client Development Director
Objectway is pleased to invite you to the **Compeer WealthTech Summit 2023** to explore how firms are investing in technology to keep pace with their peers as well as meeting client requirements.
The event will be also joined by **leading representatives from technology suppliers** to share where they see technology making a difference and, at the end, a panel discussion with wealth management professionals will give you the opportunity to hear **what kind of business investment** your peers are going to make.
Stay tuned to discover more about the themes that will be addressed during the event!
## Event Information
26th April 2023, CISI Offices (Level 3), The Fenchurch Building (The Walkie-Talkie), 20 Fenchurch St, North Entrance, London, EC3M 3BY
Join us at the event and **[click here to find out more.](https://compeer.co.uk/event/wealthtech-2023-future-proofing-the-operating-model-through-technology-innovation/)**
We’re looking forward to meeting you in London!
## Speaker
Tariq Khan
Tariq is Client Development Director at Objectway – global player offering end-to-end digital-ready solutions for Wealth, Bank & Asset Managers. Tariq has been working with UK wealth managers for over 10 years, with a focus on digital transformation, advising firms on how they can make the most of digital solutions in order to improve their client experience, operational efficiency, and become future ready.
## Related
[All](#)[\#compeer](#)[\#customerexperience](#)[\#digitaltransformation](#)[\#wealthmanagers](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
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---
### [Objectway Gold Sponsor at WealthTech Forum 2023 in Dubai3rd - 4th May 2023](https://objectway.com/objectway-will-be-gold-sponsor-at-wealthtech-forum-2023-dubai/)
**Published:** May 3, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will attend the 3rd Edition of the WealthTech Forum 2023 in Dubai as Gold Sponsor! Join us to discover more about the wealth management industry future.
**Content:**
# Objectway Gold Sponsor at WealthTech Forum 2023 in Dubai
3rd | 4th May 2023 – Objectway is proud to announce its participation to the 3rd Edition of the Middle East WealthTech Forum in Dubai, an unmissable occasion to meet leading wealth managers, investors and technology companies to discuss together the wealth management industry main challenges.
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## Agenda
3rd | 4th May 2023
09:00pm – 04:00pm
How can Digital Change enable successful outcomes in the future?
Tariq Khan, Objectway Director of Client Services
Dr. Alexander Cassar, Objectway Chief Business Operations Officer
**The Middle East WealthTech Forum** will give wealth managers and investors the opportunity to explore the wealth management industry journey toward **digitalization and overall technology integration**. With this digital shift, advancing technology is at the top of the private banking agenda and at the centre of achieving operational excellence and customer satisfaction.
The progressive move to **digitalized services** will improve portfolio management strategies and reshape operations, decision-making and customers’ experiences.
Among the main topic you will find:
- Digitizing the **wealth management experience**;
- the **“Digital First” future** of client onboarding experience and CLM;
- **The rise of ESG**;
- **Democratization**;
- **Robotic Process Automation**.
## Event Information
3rd | 4th May 2023, Address Dubai Marina, Dubai, UAE
Join us at the event and **[click here to find out more.](https://mena.mewealthtech.com/)**
We’re looking forward to meeting you in Dubai!
## Speaker
Tariq Khan
Tariq is Client Development Director at Objectway – global player offering end-to-end digital-ready solutions for Wealth, Bank & Asset Managers. Tariq has been working with UK wealth managers for over 10 years, with a focus on digital transformation, advising firms on how they can make the most of digital solutions in order to improve their client experience, operational efficiency, and become future ready.
Dr. Alexander Cassar
Sandro is responsible for the improvement of the Group’s business operations. An accomplished professional with over 30 years experience delivering global large-scale transformation programmes and management at Board level in financial services. He is a chartered accountant with Doctorate and Masters degrees in strategic information systems for wealth and asset management.
## Related
[All](#)[\#customerexperience](#)[\#digitaltransformation](#)[\#wealth-management-trends](#)[\#wealthtech](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
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---
### [Objectway partners with Fintech Farm for the Nordic Fintech Summit 202311th May 2023](https://objectway.com/objectway-partner-at-nordic-fintech-summit-2023/)
**Published:** May 11, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway and Fintech Farm partner for the Nordic Fintech Summit 2023 in Helsinki for exploring the future of banking engineering and financial trust.
**Content:**
# Objectway partners with Fintech Farm for the Nordic Fintech Summit 2023
11th May 2023 – Objectway and Fintech Farm partner for the Nordic Fintech Summit 2023 in Helsinki for exploring the future of banking engineering and financial trust.
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## Agenda
11th May 2023
Jos Martens, Senior Business Development Manager Benelux and Nordics Objectway
Koen Goossens, Senior Client Solution Leader Objectway
Objectway is delighted to announce its participation to the Nordic Fintech Summit 2023 in Helsinki!
Don’t miss the chance to take part to this 30-hour insightful journey among four different tracks:
- **Business Design**;
- **Banking Engineering**;
- **Financial Trust**;
- **Future Commerce**;
The tracks will represent the opportunity to network and interact and to ensure in this way the most valuable event experience around the next chapter in banking and finance.
Starting with Business Design for exploring digital era business models and the most critical customer experiences for success, moving to banking engineering, focusing on the adoption of cloud and emerging technologies and finally coming up to financial trust and future commerce, blasting with challenges and opportunities: these are the main areas on which exceptional speakers and leading voices will give you insights and new perspectives.
Come and visit us at our booth!
## Event Information
11th May 2023, Wanha Satama, Pikkusatamakatu 3-5, 00160, Helsinki
Join us at the event and **[click here to find out more.](https://www.nordicfintechsummit.com/)**
We’re looking forward to meeting you in Helsinki!
## Conference Delegates
Jos Martens
Jos has been working for Objectway since 2006 in a number of international business development, sales and partner management roles. Today he is the Sales and Business Development Director with a focus on Benelux and Nordics areas.
Koen Goossens
Koen holds a master’s degree in Business Economics, specialised in Information Technology. He has been working in the banking industry for over 30 years, more specifically in the securities area. In his current position of Senior Client Solution Leader at Objectway, Koen provides presales product demonstrations and workshops.
## Related
[All](#)[\#financial-planning](#)[\#financialservices](#)[\#fintechglobal](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
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---
### [Objectway at the 16th Edition of Richmond Financial Industry Forum in Switzerland11th - 13th May 2023](https://objectway.com/objectway-attends-richmond-financial-industry-forum-in-switzerland/)
**Published:** May 11, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will attend the Richmond Financial Industry Forum, an event designed for the key decision-makers and supplier companies of the financial industry.
**Content:**
# Objectway at the 16th Edition of Richmond Financial Industry Forum in Switzerland
11th – 13th May 2023 – Objectway will attend the Richmond Financial Industry Forum, an event designed for the key decision-makers and supplier companies of the financial industry.
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## Agenda
11th – 13th May 2023
Karl im Brahm, Objectway CEO DACH Region
Ramazan Celiköz, Objectway Director of Sales and Business Development
Objectway is delighted to announce its participation to the **Richmond Financial Industry Forum**, now already in its 16th Edition.
The event will start on Thursday and during the 3 days, you will have the chance to create a **personalised itinerary**, tailor-made to suit your needs. It will consist of:
- **Business Meetings**: prescheduled one-to-one meetings, each lasting 30 minutes;
- **Cutting-Edge Conference Programme**: conferences delivered by experts and speakers on different themes;
- **Peer Networking**: meet your industry peers.
## Event Information
11th – 13th May, Victoria-Jungfrau Grand Hotel & Spa, Interlaken
To find out more, **[click here!](https://www.richmondevents.ch/events/richmond-financial-industry-2023/)**
## Conference Delegates
Karl im Brahm
Karl leads the German-speaking private banking and wealth management markets, as part of its long-term growth strategy for the region. Moreover, he is responsible for the Banking Practice at group level. He brings more than 28 years of experience in the banking sector with significant expertise in leading digital transformation.
Prior to joining Objectway, Karl was responsible for all activities of the Avaloq Group in the German market.
Ramazan Celiköz
Ramazan is Director Sales and Business Development. Digitalization of advisory processes, implementation of core banking and out-sourcing solutions (Saas & BPaaS) are his main areas of expertise.
## Related
[All](#)[\#digitaltransformation](#)[\#financialservices](#)[\#investmentmanagement](#)[\#wealth-management](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
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---
### [Objectway sponsor at #TBSCONF23BXL16th May 2023](https://objectway.com/objectway-sponsor-at-tbsconf23bxl/)
**Published:** May 15, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will be 2-Stars sponsor at the 3rd and last appointment of The Banking Scene Conference that will take place in Bruxelles.
**Content:**
# Objectway sponsor at The Banking Scene Conference in Brussels
16th May 2023 – Objectway will be 2-Stars sponsor at the 3rd and last appointment of The Banking Scene Conference that will take place in Brussels: get ready and reserve your seat!
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## Agenda
16th May 2023
9:40 – 10:25
Panel Discussion: Value-Led Innovation as a Driver for Change in Wealth Management
Kurt Vanhee, Managing Director Continental Europe & North America Objectway
Koen Goossens, Senior Client Solution Leader Objectway
In the **Banking Track’s Panel** entitled Value-Led Innovation as a Driver for Change in Wealth Management, **Kurt Vanhee, Objectway Managing Director Continental Europe and North America**, will investigate how the **wealth management industry is undergoing a transformation** as client’s demand become more personalized along with responsible investment solutions.
The aim is **creating value for clients by delivering innovative products** and services through strategies that consider **environmental, social, and governance (ESG) factors**.
Wealth managers are acting on these following areas:
- using technology to deliver **more personalized advice and portfolio management**;
- **leveraging data and analytics** to better understand client needs;
- **improving transparency and reducing fees**, giving clients more control over their investments
## Event Information
16th May 2023, Maison de la Poste, Brussels
Curious to find out what #TBSCONF23BXL has to offer? **[Consult the program here](https://tbsconf23bxl.thebankingscene.com/program)** and get ready to reserve your seat!
We’re looking forward to meeting you in Brussels!
## Speakers
Kurt Vanhee
With a professional career of nearly 30 years in various roles in large and medium size banking and IT organizations, Kurt has built a strong knowledge of Wealth Management, IT, Customer Delivery and Business Development activities in an international environment. In his current position at Objectway, as Managing Director Continental Europe & North America, he encourages a customer-centric approach.
Koen Goossens
Koen holds a master’s degree in Business Economics, specialised in Information Technology. He has been working in the banking industry for over 30 years, more specifically in the securities area. In his current position of Senior Client Solution Leader at Objectway, Koen provides presales product demonstrations and workshops.
## Related
[All](#)[\#innovation](#)[\#investmentmanagers](#)[\#markettrends](#)[\#oneobjectway](#)
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
[Objectway expands into capital markets with its project to acquire French specialist SLIB, pushing forward its pan-European growth strategy](https://objectway.com/objectway-expands-into-capital-markets-with-its-project-to-acquire-french-specialist-slib-pushing-forward-its-pan-european-growth-strategy/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Objectway expands into capital markets with its project to acquire French specialist SLIB, pushing forward its pan-European growth strategy
27 July 2026
[Objectway acquires Swiss private banking technology business from FNZ to strengthen its pan-European positioning](https://objectway.com/objectway-acquires-swiss-private-banking-technology-business-from-fnz-to-strengthen-its-pan-european-positioning/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Objectway acquires Swiss private banking technology business from FNZ to strengthen its pan-European positioning
1 July 2026
## Sign Up for our Newsletter
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**Categories:** Event
**Tags:** #amsterdam, #oneobjectway, #sponsor, #TBSCONF23AMS, GLO
---
### [Objectway attends the next Salone del Risparmio edition in Milan16th - 18th May 2023](https://objectway.com/objectway-attends-salone-del-risparmio-2023/)
**Published:** May 16, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway is delighted to announce its participation to the Salone del Risparmio, the industry event that allows to discover asset management’s future trends.
**Content:**
# Objectway attends the next Salone del Risparmio edition in Milan
16th – 18th May 2023 – Objectway attended the Salone del Risparmio last Edition, showcasing the results deriving from the research realized in collaboration with GlobalData for better understanding how technology, data analysis and sustainable business strategies can contribute to the customer experience growth.
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Oltre la Crisi: il ruolo della tecnologia per promuovere la crescita innovativa del settore finanziario
Gianbattista Geroldi, CEO Objectway Italia e Stefano Rossi, Chief Executive Officer di Euclidea si confrontano sul ruolo che la tecnologia ricopre ad oggi nelle principali scelte di investimento compiute dai risparmiatori.
## Agenda
17th May 2023
9:00 – 10:00
Sala Amber 6
Innovation and Sustainability: the financial industry’s today and future challenges
Michele Tanzi, Market Solution Director Objectway
Marcello Colla, Pianificazione Strategica, Etica SGR
Stefano Rossi, Chief Executive Officer, Euclidea
Gianmarco Zanetti, Direttore Generale, Euromobiliare Advisory SIM
Gianni Piazzoli, Chief Investment Officer, Vontobel
Objectway will be **sponsor at the Salone del Risparmio 2023** edition and on the second day of the event, we will host a conference that could be followed live or in streaming with the FR|Vision platform.
During the Panel Discussion, Michele Tanzi, Objectway Market Solution Director, will showcase the results deriving from the latest **GlobalData Research** entitled **“Unlocking opportunity in challenging times: research innovation in european financial services”**, for better understanding how technology, data analysis and sustainable business strategies can contribute to the customer experience growth.
The conference that will take place in 3 days will be the opportunity to establish new partnerships, to evaluate their own know-how and to stay updated on all the themes that regard the most recent **asset management tax and operational regulations**.
## Event Information
16th – 18th May, MiCo South Wing – Allianz MiCo, Milano Convention Centre, Gate 2, V.le Eginardo, 20149 Milan
## Speakers
Michele Tanzi
Graduated in Computer Science at the University of Bari, he immediately specialized in the analysis and design of software systems for finance and online trading. In 2003 he joined Objectway, where he immediately realized an innovative and complex private wealth management project. Today he is Market Solutions Director and he leads the development of Objectway Wealth Management solutions and provides support to customers for the products’ implementation.
Marcello Colla
Marcello has been working for Etica SGR for 21 years and since 2020 he manages the bank’s strategic planning. Previously he has worked as Head of Finance Operations for a|impact – Avanzi Etica SICAF EuVECA S.p.A. In Etica SGR he has developed different stakeholders’ engagement activities focusing on the sustainable impact in the financial sector.
Stefano Rossi
Since 2007 to 2017 Managing Director of Edmond de Rothschild SGR spa and Italy Country Manager of Edmond de Rothschild Group , growing the business of Wealth management and Funds distribution in Italy from 300 mil of AUM a 3,5 bn eur. Since 1990 to 2007 Managing Director Europe of UBS Investment Bank and Giubergia UBS Warburg SIM spa. Started his career as a stockbroker at R.A. Coleman, London and Citibank N.A. Milan.
Gianmarco Zanetti
Gianmarco has a 24-years international work experience in the field of Asset and Wealth Management. In 2004, Gianmarco joined Credem Group and during the years he has held different roles related to Portfolio Management, Product Management and Global Wealth Advisory. Since 2018 he has become Euromobiliare Advisory SIM General Director and starting from 2021 he has joined the EuroFundLux SICAV Board of Directors.
Gianni Piazzoli
Gianni holds a master’s degree in economy at Università Cattolica of Milan and he joined Vontobel Group in 2019, after a 5-years’ experience as Anthilia SGR Head of Advisory for institutional investors. Since 1994 he has been Head of Sales for Equita SIM and from 2007 to 2014 he has held the role of Head of Corporate Brokerage.
## Related
[All](#)[\#about-objectway](#)[\#innovation](#)[\#sdr23](#)[\#sustainability](#)
[Objectway wins eighth consecutive Goodacre Award for Best Wealth Management System](https://objectway.com/objectway-wins-eighth-consecutive-goodacre-award-for-best-wealth-management-system/)[Awards](https://objectway.com/category/article-genitore/awards-glo/)### Objectway wins eighth consecutive Goodacre Award for Best Wealth Management System
11 June 2026
[Leaders in Finance – Wealth Management Lunch23rd January 2026](https://objectway.com/leaders-in-finance-wealth-management-lunch/)[Event](https://objectway.com/category/event-glo/)### Leaders in Finance – Wealth Management Lunch23rd January 2026
20 January 2026
[Objectway recognised again for enabling digital transformation and resilience in financial services](https://objectway.com/objectway-recognised-again-for-enabling-digital-transformation-and-resilience-in-financial-services/)[Awards](https://objectway.com/category/article-genitore/awards-glo/)### Objectway recognised again for enabling digital transformation and resilience in financial services
8 July 2025
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
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---
### [Objectway at the Private Banking and Wealth Management Conference and Awards 202314th June 2023](https://objectway.com/objectway-at-private-banking-wealth-management-conference-awards-2023-london/)
**Published:** June 15, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will be VIP Table Host Partner at the annual Private Banking & Wealth Management London Conference & Awards for 2023 in London, join us!
**Content:**
# Objectway at the Private Banking and Wealth Management Conference and Awards 2023
14th June 2023 – Objectway will be VIP Table Host Partner at the annual Private Banking & Wealth Management London Conference & Awards for 2023 in London, offering a daytime conference and a black-tie awards ceremony.
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## Agenda
14th June 2023
Tariq Khan, Objectway Client Development Director
08:00am – 7:30pm
Objectway will take part to the annual Private Banking & Wealth Management London Conference & Awards for 2023 as VIP Table Host Partner.
The event offers a daytime conference covering all the leading developments in the industry, featuring a selection of keynote presentations and debates and showcasing strategies to remain competitive in the market to enhance profitability for long-term growth.
The event will conclude with a glamourous drinks reception and a black-tie awards ceremony, register now and reserve your seat!
## Event Information
14th June, The Walford Hilton, London, UK
To find out more, **[click here!](https://www.arena-international.com/event/pbl/#why-attend)**
## Conference Delegates
Tariq Khan
Tariq is Client Development Director at Objectway – global player offering end-to-end digital-ready solutions for Wealth, Bank & Asset Managers. Tariq has been working with UK wealth managers for over 10 years, with a focus on digital transformation, advising firms on how they can make the most of digital solutions in order to improve their client experience, operational efficiency, and become future ready.
## Related
[All](#)[\#customerexperience](#)[\#digitaltransformation](#)[\#financialservices](#)[\#wealth-management](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
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**Categories:** Event
**Tags:** #digitaltransformation, #financialservices, #investmentmanagers, #wealth-management, GLO
---
### [Objectway at the Compeer Wealth Management Yearly Review 202321st June 2023](https://objectway.com/objectway-at-the-compeer-wealth-management-yearly-review-2023/)
**Published:** June 20, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway is proud sponsor of the annual Compeer’s Yearly Review Conference, register now and discover new trends in UK wealth management industry.
**Content:**
# Objectway at the Compeer Wealth Management Yearly Review 2023
21st June 2023 – Objectway is proud sponsor of the annual Compeer’s Yearly Review Conference, hosted by exclusive leading voice of the market for unveiling latest business performance trends in UK wealth management industry.
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[LinkLinkLink >](https://objectway.com/who-we-serve/?lang=en)
[LinkLinkLink >](https://objectway.com/who-we-serve/?lang=en)
## Agenda
21st June 2023
14:30 – 18:00
Wealth Management: Yearly Review 2023
Tariq Khan, Objectway Client Development Director
The Compeer’s Yearly Review Conference will be the chance to share all of the **key business performance results from Compeer’s annual benchmarking survey** that has involved more than 180 UK firms.
During the event, wealth management experts as well as CEO will unveil the results of 2022 and the challenges that the market has to face in an evolving macro-economic context, shot through with inflation and the investment management fees growth decrease.
## Event Information
21st June 2023, Barings offices, 20 Old Bailey, London, EC4M 7BF
Join us and **[register now](https://compeer.co.uk/event/wealth-management-yearly-review-2023/)** to secure your place at the event!
## Speakers
Tariq Khan
Tariq is Client Development Director at Objectway – global player offering end-to-end digital-ready solutions for Wealth, Bank & Asset Managers. Tariq has been working with UK wealth managers for over 10 years, with a focus on digital transformation, advising firms on how they can make the most of digital solutions in order to improve their client experience, operational efficiency, and become future ready.
## Related
[All](#)[\#compeer](#)[\#customerexperience](#)[\#financialservices](#)[\#markettrends](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Event
**Tags:** #digitaltransformation, #financialservices, #investmentmanagers, #wealth-management, GLO
---
### [Objectway at Systems in the City Financial Technology Awards 202322nd June 2023](https://objectway.com/objectway-at-systems-in-the-city-financial-technology-awards-2023/)
**Published:** June 21, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will join Goodacre for the Systems in the City Fintech Awards 2023 presentation lunch. Book now and secure your place at the event!
**Content:**
# Objectway at Systems in the City Financial Technology Awards 2023
22nd June 2023 – Objectway will join Goodacre for the Systems in the City Fintech Awards 2023 presentation lunch.
Share[ Share ](# "Share this")[ Tweet ](# "Tweet this")[ Share ](# "Share this")
[LinkLinkLink >](https://objectway.com/who-we-serve/?lang=en)
[LinkLinkLink >](https://objectway.com/who-we-serve/?lang=en)
## Agenda
22nd June 2023
Tariq Khan, Objectway Client Development Director
12:30am – 04:00pm
Objectway supports Goodacre for the Systems in the City Financial Technology Awards 2023 Presentation. The prize cerimony will be hosted by Gillian Joseph.
The Systems in the City Financial Technology Awards are the leading endorsement for suppliers of services and systems to the regulated financial services sector. They are based on an independent and factual annual accreditation process, overseen by three independent judges.
The event takes the form of a cocktail reception followed by a 3 course Lunch and the Awards Presentation. Book now your place!
## Event Information
22nd June, Merchant Taylors’ Hall, London, UK
To find out more, **[click here!](https://www.goodacreuk.com/forthcoming-trainings/systems-in-the-city-financial-technology-conference-awards-2023)**
## Conference Delegates
Tariq Khan
Tariq is Client Development Director at Objectway – global player offering end-to-end digital-ready solutions for Wealth, Bank & Asset Managers. Tariq has been working with UK wealth managers for over 10 years, with a focus on digital transformation, advising firms on how they can make the most of digital solutions in order to improve their client experience, operational efficiency, and become future ready.
## Related
[All](#)[\#digitaltransformation](#)[\#financialservices](#)[\#investmentmanagement](#)[\#wealthtech](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
Yes, I want to receive updates about Objectway events and products. I have read and agree with the [Privacy Policy & Terms of Use]()
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**Categories:** Event
**Tags:** #financialservices, #investmentmanagers, #wealth-management
---
### [Initial Outlook for Fintech in Europe in 2024](https://objectway.com/initial-outlook-for-fintech-in-europe-2024/)
**Published:** February 12, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Expectations for 2024 include more consolidation and public failures, focusing on profitable and scalable ventures.
**Content:**
[  ](/market-trends/)
###### February 12, 2024
# Initial Outlook for Fintech in Europe in 2024
[Roger Portnoy](https://www.linkedin.com/in/roger-portnoy-a16b67/)
CHIEF STRATEGY OFFICER AT OBJECTWAY
Reading time: 5 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#OpenFinance](/open-finance/)[\#Scalability](/scalability)[\#Sustainability](/sustainability/)
As I stated at the end of last year, sentiment ended the year across the industry with a bit of an uplift, but underlying macro conditions, and tight funding conditions are still prevalent, and thus at best, most informed financial service leaders I am in contact with are starting the year with a sense of optimism, but overlayed with cautious and deliberate execution.
So what does this broadly mean?
One of the inescapable realities about fintech investing, particularly prevalent in Europe is that somewhere between 2/3rds and 7/8th of companies that have been founded in the last decade, and go out and start the venture capital journey don’t execute a new funding round beyond series A. This doesn’t, on the surface appear to be that different a percentage from North America in terms of the overall deal volume, but the truth in the data available is that the quality of fintech firms that have emerged for scale up in Europe since just before Covid has significantly their counterparties across the Atlantic. Since many VC backed firms actually don’t reach cash flow breakeven until they are working on their series B rounds, this implies that many firms are operating with severe investment constraints or with the presence of debt provision with demanding and penalizing covenants.
This fact also reveals a couple of important things on top of this. First, it underscores the fact that the homogeneity and breadth of the institutional landscape in North America provides a much more substantive addressable market to support the belief that early-stage traction can be converted into scalable growth. In some fintech segments, where SMEs are the primary client target, cross border related solutions may support the notion of a large addressable “European” market, but in many other instances, the true SAM on offer may ultimately be too small.
Second, the smaller cohort of firms achieving later stage financing suggests that identifying and developing enterprise level relationships, and accompanying commercial agreements in Europe may be much more challenging than in North America. As I have been engaged with conversations with firms in the Series A segment, it has been noticeable that they often face very stern resistance from internal IT and procurement resources who often equate fintech firms with a triad of risks across security, operational scale, and financial resilience. Alongside this, fintech firms in Europe more often will encounter incumbent service providers that operate as a not for profit organizations for an entire market segment. These firms aggregate IT and Operational budgets of many smaller financial entities, acquiring economies of scale in the process. While the operational profile of North American Tier 1 and Upper Tier 2 firms is generally no different, there appear to be larger innovation budgets designed to nurture and collaborate with Fintech firms. Further, while there are certainly some very substantive IT service providers, they haven’t evolved with the same sort of “socialist” mandate to limit the commercial scope of opportunities for Fintech firms.
Finally, if my observations above are correct, venture capital firms in Europe, versus their US counterparties will often concentrate on a much smaller number of portfolio bets, thus limiting the contribution that they can make in both financial and operational terms to many of their early-stage companies. This means that early-stage companies in Europe can’t necessarily rely on the same type of follow-on funding support that their US counterparties can, nor for the presence of a network effect that links successful early stage backed companies with mid stage growth-oriented investors.
So, returning to the opening question, what does all of this tell me about the outlook?
First, 2024 will still see more consolidation via different types of corporate activity as well as more public failures. The sheer number of early-stage firms still out there, and the volatility in market conditions that persists all suggest that without a significantly loosening in the credit market, these will be the headline items more cases than not in Q2 and Q3 2024. This is going to take a number of different forms and will either lead toward more fintech m&a activity that consolidates the value chain and improves operational leverage or toward strategic buyers taking promising but underutilized solution design in-house. Alongside this I expect we may witness more inter-portfolio activities in which more profitable and scalable fintech activities, i.e. in areas like payments or unsecured credit are merged with less profitable ones, like PFM and savings.
Second, where we do see significant new financing in the growth stage, it will be driven most probably by one of 3 thematic topics, both presented in isolation, as well as in combination. This will be revealed in situations that are centred on open finance as it relates to payments and transaction management, an area where positive regulatory developments operate in a supporting role, ai led innovation as it translates into measurable operational improvement and new scalability, developments which should take place throughout the value chain, with new impetus in enhanced rpa, and finally, sustainability as it clearly demonstrates impact, often enabled through a direct investment approach or through initiatives that really enable improved accessibility.
Finally, this year will see ever more emphasis on companies building profitable businesses, based on [scalable and sustainable operating models](/business-reconfiguration-panel-at-owin23-insights-and-main-drivers/), than ever before. This will mean much less investment ahead of execution, and far more caution when it comes to investing aggressively in different talent segments, such as product development, client success, and marketing. Creating positive cash flow will be particularly mission critical for both B2C direct and B2B2C indirect business ventures, as most of these were built on the assumption that 5 to 7yrs in they would start to turn the corner in terms of their cost of acquisition, as well as discover, through a combination of pivots and tweaks a profitable and exploitable situation. The timeline of these businesses is now, after the explosive investment pre-pandemic coming to an end, and now firms will either start to deliver on their promise (as we are seeing time to time in neobanking, digital asset management, and business insurance for example) or fail.
**RELATED POST**
Market Trends
### What promises will AI deliver to Wealth Management in 2024?
[](/ai-in-wealth-management-perspectives-and-potential-impacts-for-2024/)
Digital Transformation
### Objectway at T3 Technology Conference: Unleashing potential through the acquisition of Nest Wealth
[](/objectway-at-t3-technology-conference-unleashing-potential-through-the-acquisition-of-nest-wealth/)
### Strategic imperatives to keep in mind for 2024
[](/wealth-and-asset-management-trends-for-2024/)
**Categories:** #OpenFinance, #Scalability, #Sustainability, Market Trends
---
### [What promises will AI deliver to Wealth Management in 2024?](https://objectway.com/ai-in-wealth-management-perspectives-and-potential-impacts-for-2024/)
**Published:** February 1, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** In 2024, AI transforms wealth management: Enhanced efficiency, better advisory services, and a breakthrough year for those fully embracing AI tools.
**Content:**
[  ](/%20market-trends/)
###### February 01, 2024
# What promises will AI deliver to Wealth Management in 2024?
[Roger Portnoy](https://www.linkedin.com/in/roger-portnoy-a16b67/)
CHIEF STRATEGY OFFICER AT OBJECTWAY
Reading time: 5 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#ArtificialIntelligence](/artificial-intelligence/)[\#Automation](/automation/)[\#Digitalisation](/digitalisation/)[\#PortfolioManagement](/portfolio-management-h/)[\#DigitalAdvisory ]()[\#ClientExperience ]()
I thought for my first AI piece for this new year, I would try to provide some insight and perspective on the potential impact that is likely to emerge in 2024. Of course, the impact the industry will actually experience will be heavily skewed toward the capabilities and resources that the largest organizations will bring to bear, but given the absolute objective of Microsoft, Salesforce, and others to deploy co-pilot and commercial support solutions to both the enterprise and SME segments, my expectation is that direct and embedded usage will be significantly higher.
Having perused some of the broader aspects of the [AI co-pilot and virtual assistance space](/the-potential-of-ai-improve-client-service-and-associated-risks/), it will be in these two areas that the largest impact will be seen. I believe in the past year organizations spent a lot of time getting to grips with the core data management challenges that need to first be addressed to leverage AI, esp. in relation to value extraction from unstructured content sets like email and the vast array of knowledge repositories, and thus, what we will start to see this year, especially from those who have already built the required classifiers, data extraction capabilities, and the computer vision techniques to properly understand document structure, will be a new set of tools that can potentially transform, if supported by the proper behavioural queues, and nudges, not only the efficiency of financial and investment advisors, but more importantly their productivity.
In particular, I am growing optimistic that 2024 could prove to be year that many advisors finally see their lives as data, account, and transactional administrators undergo a significant decline clearing the way for not only better qualified and timely advisory and decision support services, but also an opportunity for firms to significantly boost their abilities to grow their practice through both more client on-boarding, as well as a broader planning and investment capability.
In the world that I witnessed before AI, delivering these benefits was somewhat accomplished when firms were able to build unified digital workflows across different areas of their value chain to support frictionless collaboration, but success in this endeavour proved elusive because it often required too much change management, as well as too much reliance on middleware systems to facilitate the correct translation of data between disparate systems, and business logic.
My intuition and early experience is that the way that co-pilot and VA approaches using natural language techniques are evolving are going to offer a far superior way to not only support the unification necessary, but will additionally be far more able to properly leverage all of the resources that firms have at their disposal to identify tasks, create activities and initiate the most optimal approach toward orchestrating the individual and collaborative routines needed to achieve the right client outcomes.
The early missteps that LLM providers made, and the caution that is now prevalent when it comes to hallucinations, fake information, and the implications for “wrong action” will probably not fully go away this year, but from what I am seeing in terms of the ability to new AI tools to transcribe, translate, summarize, infer, and distil, it is quite clear that if advisors properly incorporate these capabilities to leverage all their different forms of communications that we will see
- Some profound changes in the entire on-boarding experience. There has already been a marked accelerate in the efficiency of on-boarding new clients through the use of embedded API design, but when firms began to process all channels of correspondence properly through the different attributes of the new AI tool sets, one will see advisors become far more efficient at completing rich fact finds, identifying opportunities via held away assets, and marrying more sophisticated clients with new types of diversified portfolio options.
- Significant reduction in the friction that exists today when it comes to promptly executing more complex operations that require identifying eligible assets, coordinating in species and cash transfers, and carrying out different types of consolidation activities necessary for optimal retirement planning and estate management. The AI tools emerging in the co-pilot and virtual assistant space, used properly, have the ability to reduce communication roadblocks between counterparties, reconciliation challenges that persist in legacy policy systems, and the time delays between different functions that need to both coordinate and execute the required operations compliantly.
- Very different productivity levels in relation to new proposals, mandatory review, health checks and other key interactions in the wealth management process emerge between those who are properly leaning on the new tools within their overall advisory practice and those who continue to rely on the “old school” approach. I have seen in the past 5yrs that systems in the industry have become much better at packaging the necessary documents, orchestrating the right e-signing approach, and leveraging standardized workflows to transmit and process instructions, so many are already starting from a good position, but this can be much more effectively personalized, enriched from a decision support perspective, and collaboratively enabled (directly with the client) with the tools that are emerging in the VA and co-pilot areas. This will be particularly powerful for knowledge led organisations that will be able to link AI systems into their portfolio management and client management capabilities so that next best actions are properly supported by well distilled, summarized, and personalized recommendations.
There has been a lot of chatter in the broader industry about much of what I have mentioned, esp. since the summer of 2023, but I don’t think firms had yet advanced the connection between the data sets that really lend themselves to improving the overall advice process, as well as enable greater efficiency and productivity throughout the wealth management process. My feeling is that during 2024 this is going to change, and for those that get it right, will start to translate into the improvements in the income/cost ratios that have been promised via “unified digital platforms”, but have failed to be delivered.
My prognosis suggests that, while the macro and regulatory change pictures in 2023 very much subdued the impact of AI solutions, and probably translated into more disappointment, and caution that is by no means yet gone, I will “stick” my neck out a bit and suggest that this year will prove the start of a “breakthrough” for AI in the wealth management industry, and represent the beginning of a positive valuation adjustment for those firms that not only embed the AI tooling within all of the key areas of their practice, but build monetary incentives, and change management programs so that the promise this time, gets tangibly delivered.
**RELATED POST**
Artificial Intelligence
### AI in Banking: Themes and Emerging Topics for 2024
[](/ai-in-banking-themes-and-emerging-topics-for-2024/)
Artiificial Intelligence
### AI in the Back Office – A Rather Significant Opportunity Landscape
[](/ai-in-back-office-operations-how-to-improve-product-governance-and-operational-efficiency/)
Market Trends
### Strategic imperatives to keep in mind for 2024
[](/wealth-and-asset-management-trends-for-2024/)
**Categories:** #ArtificialIntelligence, #Automation, #ClientExperience, #DigitalAdvisory, #Digitalisation, #PortfolioManagement, Market Trends
---
### [Strategic imperatives to keep in mind for 2024](https://objectway.com/wealth-and-asset-management-trends-for-2024/)
**Published:** January 16, 2024
**Author:** Silvia Boccuzzi
**Excerpt:** Analytics & Big Data, Sustainable Investing, Wealth Transfer, next-gen investors and Regulatory Compliance are set to shape Wealth and Asset Management in 2024
**Content:**
[  ](/%20market-trends/)
###### January 16, 2024
# Strategic imperatives to keep in mind for 2024
[Marianna Vilardi](https://linkedin.com/in/marianna-vilardi-1bb057163/)
Senior Marketing Content Creator
Reading time: 5 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#CustomerJourney](/customerjourney/)[\#DigitalEngagement](/digital-engagement/)[\#PortfolioManagement](/portfolio-management-h/)[\#Onboarding](/onboarding/)
A new year begins, bringing forth fresh opportunities that are set to shape the Wealth and Asset Management landscape in 2024 and leave a lasting impact on the future. The industry faces challenges such as increased competition, globalisation, aging demographics, the advent of new ones, evolving consumer values, and more. While these dynamics are not ground-breaking news, they undeniably shape market demands, calling for a strategic and thoughtful response.
At the forefront of this evolution is the omnipotent force of Analytics & Big Data, propelling us into a data-driven era where the art of insightful decision-making takes centre stage. Indeed, Big Data emerges as a game-changer – as confirmed by 61% of respondents from our most recent brief LinkedIn Survey -, offering invaluable insights into customer behaviour, enhancing decision-making processes, and optimising operations. Financial institutions are using large datasets to identify trends and patterns to predict and improve outcomes and refine operations. The benefits extend to improved risk management and product development strategies.
The [customer-centric impacts](/achieving-higher-lifetime-value-objectway-innovation-diamond-approach/) of this paradigm shift are equally noteworthy. Big Data facilitates a quantum leap in customer experience, paving the way for personalised offerings finely tailored to individual preferences and needs. The customer journey is therefore no longer a generic path; instead, it becomes a tailored expedition, enriching engagement and fortifying customer relationships.
In tandem, the relentless ascent of sustainable investing reflects a collective shift towards responsible financial practices – 22% of respondents prioritise this trend – mirroring a heightened awareness of the environmental and social impacts of investments, particularly from the younger demographic, a trend poised to grow only bigger. Driven by a conviction that their investments wield the power to shape environmental and societal landscape, they are more willing to make investment decisions predicated on issues that resonate deeply with them. Consequently, the notion of a valuable investment transcends conventional financial metrics and encompasses a holistic evaluation that considers positive impact as a pivotal criterion alongside financial return.
The changing wealth transfer landscape – 11% of respondents believe it will primarily affect our industry—and the emergence of the Millennial and Next Gen generations of investors are adding a revolutionary element to the dynamics. It has been confirmed that, over the course of the next 20 years, younger generations will inherit an estimated $84 trillion from their parents and grandparents. And their preferred financial providers will benefit too. As such, financial advisors’ capacity to seize and hold onto these assets in transit will depend on how ready they are to meet the evolving needs of emerging generations, hyper-personalisation being the priority. But how? Technology comes to the aid. Advisors who harness technology to automate onboarding, portfolio selection, and day-to-day management can free-up time for more meaningful conversations with clients and prospects. Furthermore, dedicating efforts to client education will increasingly become vital in acquiring new business and retaining assets.
Finally, in the backdrop of these trends, regulatory compliance continues to play a pivotal role, constantly evolving to steer the industry towards ethical and secure practices.
As we step into 2024, a strategic focus on these imperatives will not only enable firms to navigate challenges but also position them to seize the opportunities that lie ahead. The industry’s future success hinges on its ability to adapt, innovate, and stay aligned with the evolving needs and values of clients in this transformative era.
**RELATED POST**
Artificial Intelligence
### AI in Banking: Themes and Emerging Topics for 2024
[](/ai-in-banking-themes-and-emerging-topics-for-2024/)
Technology
### Tech-Driven Evolution and Challenges in Wealth Management: Happening Today, Impacting Tomorrow
[](/tech-driven-evolution-and-challenges-in-wealth-management-for-2023-and-beyond/)
Customer Experience
### Crafting a Comprehensive Client Experience Strategy: A Blueprint for Success
[](/crafting-a-comprehensive-customer-experience-strategy-design-segregation-and-enhance-engagement/)
**Categories:** #CustomerJourney, #DigitalEngagement, #Onboarding, #PortfolioManagement, Market Trends
---
### [Wie Technologien, Sicherheit und Kundenerwartungen die digitale Transformation im Banking vorantreiben](https://objectway.com/wie-technologien-sicherheit-und-kundenerwartungen-die-digitale-transformation-im-banking-vorantreiben/)
**Published:** December 12, 2023
**Author:** Silvia Boccuzzi
**Content:**
[  ](/technology)
# Wie Technologien, Sicherheit und Kundenerwartungen die digitale Transformation im Banking vorantreiben
[Karl im Brahm](https://www.linkedin.com/in/karl-im-brahm/)
CEO Objectway DACH Region
[Jan Veira](https://www.linkedin.com/in/jan-veira/)
University4Industry Founder & CEO
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Automation](/owintalk/automation/)[\#Clientcommunication](/owintalk/clientcommunication/)[\#Digitalisation](/owintalk/digitalisation/)
Jan Veira, University4Industry Founder & CEO, diskutiert gemeinsam mit Karl im Brahm, CEO Objectway DACH Region, welche Auswirkungen die Finanzkrise und die Digitalisierung auf den Bankensektor haben.
Brahm betont, dass die Veränderungen im Bankensektor eine Herausforderung für Anleger und Berater darstellen. Letztere müssen ihre Rolle neu definieren, um ihre Arbeit effizienter zu gestalten und so einen immer schnelleren und individuelleren Service zu bieten. Gleichzeitig wird es immer notwendiger, die Unterstützung externer Anbieter in Anspruch zu nehmen, die hochmoderne technologische Lösungen entwickeln können, um sich an die Anforderungen der neuen Generation von Digital Natives anzupassen.
Am Ende der Folge teilt Brahm seine Sicht auf die wichtigsten Themen und Strömungen mit, die in den nächsten drei Jahren in die Branche eingreifen und die Customer Journey neu definieren werden.
Hören Sie sich jetzt die ganze Folge an und bleiben Sie auf dem Laufenden über die neuesten Branchennachrichten!
**RELATED POST**
Digital Transformation
### Digital Banking Picks Up Speed
[](/digital-banking-embraces-technology-to-ensure-efficiency-and-customer-centricity/)
Technology
### Tech-Driven Evolution and Challenges in Wealth Management: Happening Today, Impacting Tomorrow
[](/tech-driven-evolution-and-challenges-in-wealth-management-for-2023-and-beyond/)
Market Trends
### AI in Financial Services? Rest assured it’s here to stay!
[](/ai-in-financial-services-a-transformative-force-for-a-long-term-strategy/)
**Categories:** #Automation, #ClientCommunication, #Digitalisation, Podcast
---
### [Pioneering the Future of Wealth Management: Insights from Objectway’s roundtables in the GCC region](https://objectway.com/the-future-of-wealth-management-the-transformational-roadmap-designed-with-objectway-innovation-diamond-framework/)
**Published:** November 29, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** GCC leaders reevaluate wealth management with Objectway. Challenge digital norms. Phased transformation roadmap. WaaS key. AI shapes future trends.
**Content:**
[  ](/market-trends/)
###### November 29, 2023
# Pioneering the Future of Wealth Management: Insights from Objectway’s roundtables in the GCC region
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
BUSINESS DEVELOPMENT DIRECTOR
Reading time: 3 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#ArtificialIntelligence](/artificial-intelligence/)[\#CustomerJourney](/customerjourney/)[\#Digitalisation](/digitalisation/)[\#FrontOffice](/front-office/)
Last week, Objectway hosted a gathering that brought together key thought leaders in the GCC region. Our objective was to embark on a profound exploration of the benchmarks defining best practices in the intricate craft of establishing and expanding a top-tier wealth management business. In both roundtables, we used Objectway Innovation Diamond as a framework to discuss a number of themes in the region, including:
Addressing the evolving needs of a changing and increasingly digital-focused customer base
Everyone agreed that to meet customer needs any business must first and foremost know the needs, intimately and in great detail.
Generic ‘*increasingly digital-focused*’ is not the required knowledge of needs, it is a self-misleading perception of wealth managers and private bankers or, at best, superficial surveys by agencies and consultants. Wealth managers and private bankers have close and deep relationships with customers and more frequent quality interactions, which generate rich data. This has to be carefully gathered and meticulously assessed using advanced analytics.
The audience agreed with our assertion that ‘*digital-focused*’ is not a need. Speed and efficiency of service may be a true need; accessible and accurate information may be another true need; a modern product offering, or safety and peace of mind may be further possible needs. These true needs come out of interaction data analysis, and the ‘*digital focus*’ is a means to an end.
Decoding the digital transformation roadmap for today’s wealth managers and private banks
Every transformational roadmap has a starting point, a destination, and milestones.
It begins with a precise and detailed definition of a current state usually derived from a structured diagnostic assessment. We used our Innovation Diamond as a self-assessment diagnostic tool. The starting point must provide visibility of capabilities, enabling processes and systems, skills and talent, and investment capacity. Defining the target state (transformation goal) can vary and depends on business maturity and ambition levels.
The Innovation Diamond defines 3 key maturity levels: Rationalise (adjust) -> Streamline (evolve) -> Disrupt (stand out). The business leadership must decide if they want to catch up with trends and competitors, or continue evolving, or become the undisputed number one market leader. This, of course, is a balance between (recommended) high ambition, and (cautioned) practical viability.
The defined level for the transformation is also defined in terms of the three Innovation Diamond dimensions: [Offering, Configuration, and Experience](/sustainable-innovation-a-cornerstone-for-wealth-banking-asset-management-in-this-decade/).
Desired maturity for each of these can be different. Participants were divided in groups to define their own desired target state based on analysis and strategy. One example was: “*We want to rationalise our product offering, by enhancing our operating model (configuration) in order to provide market-leading customer experience.*”
The difference (gap) between target and current state shapes the roadmap content, and most often the required change is planned and effected in phases, each lasting anywhere from 1 to 18 months, and resulting in a specific milestone.
From our perspective, the phases and milestones would reflect a phased re-platforming (in prioritised steps, because a ‘big bang’ all-at-once change is proven not to work).
Prioritisation takes into account gaps to be filled where the wealth manager or the private bank is behind rivals. For instance, front-office or BO first and achieving the first milestone (implemented solution) triggers the next upgrade.
These are complex decisions and are best responsibly taken in collaborative teamwork with the vendor, as partners in the transformation.
Assessing the impact of wealth-as-a-service and digital challengers on the sector
Despite years of predictions and expectations (including some scaremongering with earlier Robo-advisors hype), digital challengers are yet to make any significant impact in the Private Wealth sector.
They have certainly disrupted and changed the retail sector, being more suitable for the mass consumer segments. Digital wealth management propositions for HNWI and UHNWI are only just emerging and in their embryonic form are addressing the bottom end (‘mass affluent’) of the wealth segments.
A proven barrier to disruption (and countering newcomer challengers) is the rapid adoption by private banks and wealth managers of digital models and enabling technologies.
This is where digital transformation needs to be accelerated or re-done properly. Vendors like Objectway (but not only, of course) have an instrumental role to play in this and the best partnerships are adopting methods and tools even superior to those offered by the challengers.
Another proven defence against challengers is creating the bank’s own subsidiary (“*If you can’t beat them then join them*”) or, for a shortcut, acquiring a successful or promising challenger (“*If you can’t beat them then buy them*”).
WaaS (Wealth-as-a-Service) is a niche adaptation of already popular PaaS (platform), BPaaS (business process) and BaaS (bank). Similar to those models, Wealth Management benefits from outsourcing more than technology (as in the SaaS model), also relying on [better operational efficiency](/operational-efficiency-a-positive-effect-on-the-bottom-line-the-wealthtech-report-2023/) to assign much of operations to a better equipped and more efficient entity, focusing on proposition and, not least, on customer relationships and experience.
A new breed of service providers is just emerging, offering white-labelled propositions (originating from either early adopter institutions, or successful vendors) and they have the potential to optimise the difficult cost-income ratio and allow faster and better scaling.
Private bank leaders forecast trends and disruptions shaping the future landscape
Using the OW Diamond as a ‘*crystal ball*’, we helped the audience to predict some likely developments in the three key dimensions:
Innovation in offerings will continue to diversify asset classes and investment ‘*food chain*’ models. Such innovations will address the imminent massive wealth transfer to the next generation whose true needs are yet to be understood and acted upon (see topic 1 above).
Alternative assets will grow and diversify, one already visible trend being how private markets are entering traditional private wealth space.
Operating model (configuration) developments will see even more BPaaS, BaaS, WaaS and new, yet to be developed models. This will be catalysed by the AI explosion, whereby intelligent automation brings both quantitative benefits (of efficiency, speed, cost reduction) and qualitative changes, including possible disruptions of established processes, organisation structures, people roles and entire institutions.
Customer Experience is already the ‘*next frontier*’ for improvement and competition, but in coming years it will become a prime differentiator, also largely driven by cross-generation transfers of wealth and (like all above areas) by advancements in AI.
Interesting times!
**RELATED POST**
Market Trends
### A deep dive into the changing tides of GCC Wealth Management
[](/a-deep-dive-into-the-changing-tides-of-middle-east-wealth-management-sector/)
Innovation
### Sustainable Innovation at scale: Journey for Wealth, Banking and Asset Management in this Decade
[](/sustainable-innovation-a-cornerstone-for-wealth-banking-asset-management-in-this-decade/)
Digital Transformation
### Business Reconfiguration at OWIN23: Insights from a panel discussion
[](/business-reconfiguration-panel-at-owin23-insights-and-main-drivers/)
Market Trends
### CEOs’ perspectives on threats, opportunities, and technology in Wealth Management
[](/pam-ceo-dinner-perspectives-on-threats-opportunity-technology-in-wealth-management/)
**Categories:** #ArtificialIntelligence, #CustomerJourney, #Digitalisation, #FrontOffice, Market Trends
---
### [A deep dive into the changing tides of GCC Wealth Management](https://objectway.com/a-deep-dive-into-the-changing-tides-of-middle-east-wealth-management-sector/)
**Published:** November 20, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** GCC wealth management continues its transformative journey: advancements, shifting client expectations, a focus on sustainability
**Content:**
[  ](/market-trends/)
###### November 20, 2023
# A deep dive into the changing tides of GCC Wealth Management
[Dr. Alexander Cassar](https://www.linkedin.com/in/sandrocassar/)
Objectway Chief Business Operation Officer
Reading time: 3 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Customerjourney](/customerjourney/)[\#DigitalChange](/digitalchange/)[\#Sustainability](/sustainability/)[\#Portfoliomanagement](/portfolio-management-h/)
In the dynamic landscape of wealth management, the GCC countries are witnessing a rapid evolution driven by the expanding affluent population and a surge in assets under management. As Objectway prepares to host a gathering of industry leaders in the region, we explore the key trends shaping wealth management in the GCC for 2023 and beyond.
Market Overview
The Middle East’s wealth management sector is on a trajectory of remarkable growth, with AUM soaring by 16% to reach a staggering US$1.2 trillion in 2022, according to the BCG. What’s more, the region is on the verge of a wealth boom, with Ultra-High-Net-Worth Individuals (UHNWIs) projected to surge by 24.6% in the five years leading up to 2025, as reported by Knight Frank.
Lombard Odier sheds light on the forward-thinking approach of 87% of HNWI investors in the Middle East, who believe their family businesses are aptly structured for efficient wealth transfer to the next generation. This trend, coupled with cultural liberalisation and rising educational standards, sets the stage for significant shifts in wealth dynamics, with an estimated one trillion in assets expected to be transferred to the next generation by 2030, as per the UAE Ministry of Economy.
Trends-wise, the shift towards digitisation is palpable, with a considerable percentage of wealth management clients currently receiving financial advice through mobile apps. A noteworthy trend is the preference for local wealth managers, as highlighted by Accenture’s findings that 71% of investors in the UAE and 68% in Saudi Arabia prefer relationships with regional wealth managers over international firms. In response, wealth managers are strategically investing in modern technology to build trust, emphasising the importance of a digital end-to-end trading cycle.
Looking ahead, it appears that the great majority of new wealth management clients, primarily [Generation X and Millennials](/gen-z-how-to-win-the-next-generation-of-wealth-key-opportunities-revealed/), are expected to further demand data-driven, hyper-personalised advice, akin to the experiences offered by tech giants. Indeed, EY’s Global Wealth Report 2023 reveals that 60% of Middle East investors plan to move their assets to a new provider within the next three years, driven by a desire for greater digital investment capabilities and a wide range of products.
Defying challenges and creating opportunities
Client loyalty therefore remains a challenge, prompting wealth managers to constantly adapt to changing regulations and embrace transparent fee structures. A hybrid model improvement enhanced digital channels and a focus on sustainable investments also rank high among the expectations voiced by clients.
Nevertheless, opportunities arise! A significant 57% of investors in the region are likely to invest in digital assets in the next 12 months, according to Accenture.
Additionally, the growing interest in sustainable and ethical investments drives wealth managers to integrate digital platforms that facilitate online portals with multiple features.
In the closing act, as the GCC wealth management sector continues its transformative journey, the convergence of technological advancements, shifting client expectations, and a focus on sustainability creates a landscape ripe with both challenges and opportunities.
The Objectway roundtable promises to be a pivotal event in shaping the blueprint for success in this dynamic environment where client satisfaction and innovation are paramount. Stay tuned!
**RELATED POST**
Market Trends
### Top Emerging Technologies in Wealth Management 2023
[](/top-emerging-technologies-in-wealth-management-2023/)
Technology
### Tech-driven Transformation: Emerging Trends for Investment Managers
[](/tech-driven-transformation-emerging-trends-for-investment-managers/)
Market Trends
### CEOs’ perspectives on threats, opportunities, and technology in Wealth Management
[](/pam-ceo-dinner-perspectives-on-threats-opportunity-technology-in-wealth-management/)
**Categories:** #CustomerJourney, #DigitalChange, #PortfolioManagement, Market Trends
---
### [Objectway acquires Algorfin from Unione Fiduciaria](https://objectway.com/objectway-acquires-algorfin-from-unione-fiduciaria/)
**Published:** January 17, 2019
**Author:** leo aloi
**Excerpt:** Objectway acquired Algorfin, the Unione Fiduciaria division specialised in IT and administrative outsourcing services for Asset Management
**Content:**
# Objectway acquires Algorfin from Unione Fiduciaria
18 January 2019 – Objectway acquired Algorfin, the software and services division of Unione Fiduciaria S.p.A.
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The Group strengthens the leadership in the asset management segment: Objectway, the leading Fintech group in Italy and one of the premier European players in software and services for the wealth, investment and asset management industries, acquired Algorfin. Algorfin is specialised in IT and administrative outsourcing services for Asset Management Companies, Custodian Banks and other financial operators, through the [Archimede, Diogene and Archimede Governance software platforms.](https://objectway.com/solutions/?lang=it#Archimede)
**Archimede** is the leading solution for the complete management of open-end and closed-end investment funds, including investors’ management, NAV calculation, compliance and any type of regulatory compliance required. Diogene supports the management of all the activities of a Custodian in the fund management area. Archimede Governance allows Asset Management Companies to perform all the checks required by the European UCITS V regulations. Moreover, Algorfin provides administrative services for back-office management and accounting to some of the premier Italian Asset Management Companies.
A team of over 100 Milan-based, highly specialised professionals from Algorfin join the Objectway Group, which reaches approximately €75 million of annual consolidated revenues with this latest acquisition. In addition to its core business, Unione Fiduciaria will continue to carry out IT and administrative services for trust companies and to provide its own application software to support control functions and whistleblowing managers.
“This is a significant acquisition for our Group – declared **Luigi Marciano, CEO of Objectway** – as it consolidates our position as leader in the Italian market for Banks, Asset Management companies, Brokers and Custodian Banks, with a comprehensive offer that covers their application needs and opens new growth opportunities in Italy and other markets.”
Objectway partially financed the operation, with the support of UBI Banca and Unicredit, as lending banks, and with the assistance of Marco Carbonara from Hi.lex and of Simmons & Simmons, as legal advisors. For the execution of the deal, Objectway was assisted by: UBI Banca, as financial advisor; Giovannelli e Associati, as legal advisor; Russo De Rosa Associati, as tax advisor; Accuracy for carrying out the financial due diligence. Unione Fiduciaria was assisted by Synpulse, as strategic advisor; by KPMG Advisory as financial advisor, by KPMG for the vendor due diligence, and by Grimaldi as legal advisor.
Objectway
Founded in 1990, the Objectway Group is a leader in the Digital Wealth, Investment & Asset Management sector with a turnover of approximately €75 million. Its award-winning software platforms serve over 150 customers, in 15 countries and across 3 continents. With offices in Italy, the UK, Belgium, Ireland and South Africa its 700 employees support approximately 100,000 investment professionals to manage more than one trillion euros in wealth.
Unione Fiduciaria
Unione Fiduciaria S.p.A. was established in 1958 by eight Banche Popolari, to which were added in the following years other Banche Popolari that form the current structure (BPER, BP Sondrio, Depobank, Banco Popolare BPM, Creval). Over the years, the company’s business has achieved a considerable increase and broad diversification, currently offering in addition to fiduciary services, IT services for the fiduciary sector and administrative services and consultancy to financial intermediaries. With assets under administration of over 18 billion euros as of 31 December 2017, Unione Fiduciaria is the first trust company in terms of assets in the Italian market.
Unione Fiduciaria has identified in Objectway a solid and reliable partner to pass the baton for the development of the Algorfin business. With this sale, the process of focusing on fiduciary activity, the company’s core business, continues and accelerates. This operation allows Unione Fiduciaria to invest additional resources for expansion and thus continue a path already started several years ago.
[](https://www.unionefiduciaria.it/)### Filippo Cappio
Managing Director, Unione Fiduciaria
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---
### [Robo-Advisory 2.0: Personalising Digital Advice12th April 2018](https://objectway.com/robo-advisory-2-0-personalising-digital-advice/)
**Published:** April 12, 2018
**Author:** Alessandro Rocco
**Content:**
# Robo-Advisory 2.0: Personalising Digital Advice
12th April 2018 – Objectway, in collaboration with Business Review Webinar, is setting a Webinar on May 9th 2018 presented by Peter Schramme.
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## Agenda
Wednesday, 09th May 2018
How a future-proof digital advisory solution can provide superb human governance
Peter Schramme, Chief Business Development Officer, Objectway
Digitisation and digitalisation are changing the private client investment management industry like never before. Not only in the way existing processes are becoming more digital, but also by enabling new business models and business offerings which were not possible or economically viable a few years ago. This webinar will expand on the **do’s & don’ts** with regard to robo-advisory, based on real life cases across multiple territories. There will also be a live Q&A at the conclusion of the presentation
**KEY LEARNING OBJECTIVES**
- The impact of digitisation and digitalisation on the investment management business
- Hybrid approach is the digital lifestyle approach to connect with clients
- Strengthen client-advisor collaboration
- Digital experience and automation are friends
## Webinar Information
Wednesday, 09th May 2018, 3pm London – 10am New York, duration: 60 minutes
Subscribe or [book a meeting here.]()
## Speaker
Peter Schramme
Peter worked as Chief Business Development Officier at Objectway until December 2019. He is an experienced Managing Director with a demonstrated history of working in the financial services industry, skilled in Asset Management, Mergers & Acquisitions, Risk Management, Private Banking, and Managerial Finance.
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---
### [La Fintech nata nei '90](https://objectway.com/la-fintech-nata-nei-90/)
**Published:** November 4, 2020
**Author:** Lorenzo Noventa
**Excerpt:** La Fintech nata nei '90 è la storia "degna della Silicon Valley" di Objectway pubblicata su Asset Class.
**Content:**
# La Fintech nata nei ’90
4 Novembre 2020 – Asset Class racconta la storia dell’azienda, “degna della Silicon Valley”, dal garage di casa al posto di rilievo nella trasformazione dell’intero settore del Wealth e Asset Management.
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L’italiana Objectway è un punto di riferimento per le istituzioni finanziarie. La società di ricerca IDC l’ha inserita tra i primi 100 player tech mondiali.
Una storia degna della Silicon Valley. Con tanto di immancabile garage a fare da primo palcoscenico di una startup che avrebbe poi conquistato un posto di rilievo nella trasformazione digitale di un intero settore. La storia è quella di **Objectway**, fondata nel 1990 da **Luigi Marciano**, oggi CEO della stessa società.
Laureato in ingegneria nucleare presso l’Università di Pisa, proprio nel 1990, Marciano fonda la società che inizialmente sviluppa soluzioni software per il settore tecnico-scientifico. Poi nel 1999 la svolta, con la decisione di dedicarsi al mercato degli operatori finanziari.
Nel corso degli anni consolida la leadership nel mercato italiano per banche, wealth e asset manager con un’offerta che arriva a coprire a 360 gradi le loro esigenze, fino a diventare oggi uno dei player di riferimento per le istituzioni finanziarie in EMEA.
Prova ne è che la società è stata inserita dalla società di ricerca internazionale IDC nella classifica dei primi 100 player tecnologici a livello mondiale, con clienti che includono oggi oltre 200 tra le più importanti banche private e retail, reti consulenti finanziarie, SIM, Sgr, banche depositarie, assicurazioni in più di 15 paesi. La stessa azienda stima dì supportare, dai propri uffici in Italia, Regno Unito, Irlanda e Belgio, circa 1OOmila professionisti nella gestione di più dì 1 miliardo di euro di asset.
Il principio che ha portato alla creazione della WealthTech Suite di Objectway: una piattaforma multicanale, scalabile e cloud-ready che potenzia le competenze umane con motori software dotati di intelligenza aumentata per comprendere meglio i clienti e gestire al meglio i loro patrimoni.
Proprio la Objectway WealthTech Suite è stata recentemente premiata da Goodacre, prestigiosa società dì consulenza britannica specializzata nel settore di titoli, come “Best Wealth Management System” perchè libera il potenziale dei wealth manager che desiderano di ottimizzare il proprio business grazie all’engagement opti-channel dei clienti e alla produttività del front-office, unendo ad una consulenza personalizzata e compliant, l’efficienza del back-office per la gestione e l’analisi dei dati”. Si tratta del principale riconoscimento per i fornitori di servizi e sistemi del settore di servizi finanziari regolamentati.
## Related
[All](#)[\#compeer](#)[\#customerexperience](#)[\#financialservices](#)[\#markettrends](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
[Studie: Veraltete Technologie bremst Wachstum bei Instituten](https://objectway.com/studie-veraltete-technologie-bremst-wachstum-bei-instituten/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Studie: Veraltete Technologie bremst Wachstum bei Instituten
4 September 2026
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---
### [Wealth management per tutti? Ecco i 4 trend che dicono di sì](https://objectway.com/democratizzazione-del-wealth-management-4-trend/)
**Published:** July 22, 2022
**Author:** Lorenzo Noventa
**Excerpt:** Cambiamenti nella domanda e nell’offerta di servizi di gestione patrimoniale delineano un fenomeno di democratizzazione del wealth management
**Content:**
# Wealth management per tutti? Ecco i 4 trend che dicono di sì
22 Luglio 2022 – Il mondo del wealth management è attraversato da decisi trend di innovazione e sperimentazione, destinati a cambiarne i paradigmi nel prossimo decennio.
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Importanti cambiamenti nella domanda e nell’offerta di servizi di gestione patrimoniale delineano un fenomeno di democratizzazione del wealth management.
Il mondo del wealth management è attraversato da decisi trend di innovazione e sperimentazione, destinati a cambiarne i paradigmi nel prossimo decennio. Queste le evidenze del report US wealth management: A growth agenda for the coming decade di McKinsey, pubblicato nel febbraio 2022. Secondo la società di consulenza strategica statunitense saranno 4 fattori all’origine di questo importante cambiamento: la rapida crescita di nuove categorie di clientela, l’evoluzione della domanda, l’attenzione a nuove tipologie di asset patrimoniali e il delinearsi di nuovi modelli di business. L’insieme di questi elementi, commenta Karl im Brahm, Banking Practice Leader del Gruppo Objectway, è il segnale di un fenomeno ancora più rilevante, definibile come una vera e propria ‘democratizzazione del wealth management’.
Democratizzazione del wealth management, 4 driver del cambiamento
Il primo trend di cambiamento riguarda la composizione della clientela wealth, e in particolare il ruolo delle donne. Nel 2021, negli Stati Uniti oltre un terzo della ricchezza privata era in mano femminile, per un valore di quasi 12 mila miliardi di dollari. Nel corso del prossimo decennio, tale dato sarà destinato ad aumentare, in primis a causa di fattori demografici: entro il 2030, infatti, oltre il 30% della ricchezza dei babyboomer americani confluirà nei patrimoni delle donne, un trasferimento superiore ai 30 mila miliardi di dollari.
Il secondo driver riflette l’evoluzione della domanda di servizi di gestione patrimoniale. Gli investitori stanno infatti ricercando soluzioni capaci di integrare ai tradizionali servizi bancari anche quelli patrimoniali a essi collaterali. Questo trend si sovrappone alla richiesta di personalizzazione dei servizi e a quella di digitalizzazione delle modalità di utilizzo e interazione, fenomeni che stanno già modificando i rapporti tra clienti e professionisti. Secondo il report, il digitale è ora infatti il canale preferito della clientela high-net-worth (hnw) e non solo delle generazioni più giovani.
Il terzo driver riguarda la domanda di asset class alternative, tra cui i private markets, categoria tradizionalmente riservate ai grandi investitori istituzionali. Secondo i dati del report, la crescita degli investimenti in tale settore è stimata tra i 500 e i 1300 miliardi di dollari entro il 2025. Per i gestori risulterà dunque cruciale facilitare l’accesso dei loro clienti a questa asset class.
L’ultimo driver riguarda infine i nuovi modelli di business, tra cui la crescente diffusione della consulenza finanziaria indipendente. Un numero sempre maggiore di professionisti, infatti, considera questo modello più redditizio rispetto alla tradizionale affiliazione a banche o case di gestione (nel 2010, negli Usa il 16% dei consulenti patrimoniali era indipendente, nel 2020 lo era il 24%). Centrale il ruolo della tecnologia: lo sviluppo di software e piattaforme di pianificazione e gestione patrimoniale ha aiutato i professionisti a creare sinergie tra i diversi campi di specializzazione.
Un wealth management democratico
“La democratizzazione del wealth management rappresenta un’opportunità di business irripetibile” commenta Karl im Brahm. “Esigenze della clientela in cambiamento sempre più rapido, regolamentazioni in continua evoluzione e sempre più stringenti, nuovi competitor nel mercato portano a una maggiore pressione sui margini, ma anche a più innovazione, personalizzazione dei servizi e maggiore scalabilità. Cresce la domanda di soluzioni ibride con due caratteri distintivi: approccio mobile first e perfetta digitalizzazione dei servizi, che sappiano combinare e utilizzare al meglio competenze di settore, analisi dei dati e tool tecnologici.
“Fedeli al motto ‘la domanda crea l’offerta’, nuovi fornitori di servizi stanno entrando nel mercato, come neobanche, broker, fintech e betech, accelerando i processi di cambiamento del wealth management. Le istituzioni finanziarie stanno sperimentando i cambiamenti maggiori nell’arco di decenni: questa è una opportunità per adattare il proprio modello di business”. Come farlo con successo, però? “È necessario investire su più fronti, da un lato creando un customer journey unico con un alto livello di personalizzazione e migliorando la customer experience digitale, dall’altro utilizzando le opportunità offerte dall’innovazione tecnologica: il cloud per aumentare l’efficienza, la scalabilità e la resilienza delle proprie soluzioni; un ecosistema API collaborativo con un approccio open platform, la gestione dei dati lungo l’intera catena del valore”.
Leggi l’articolo completo [qui](https://www.we-wealth.com/enterprise/objectway/news/wealth-management-4-trend-democratizzazione).
In questo contesto, sopravvivranno le società che saranno veloci, orientate al cliente, capaci di utilizzare tecnologie moderne e affidabili e che sapranno tenere sotto controllo il rapporto tra i costi operativi e il margine di intermediazione (cost-income ratio).
[](https://www.linkedin.com/in/karl-im-brahm/)### Karl im Brahm
CEO DACH Region, Objectway
## Related
[All](#)[\#compeer](#)[\#customerexperience](#)[\#financialservices](#)[\#markettrends](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
[Studie: Veraltete Technologie bremst Wachstum bei Instituten](https://objectway.com/studie-veraltete-technologie-bremst-wachstum-bei-instituten/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Studie: Veraltete Technologie bremst Wachstum bei Instituten
4 September 2026
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**Categories:** Article
**Tags:** #innovation, #market-trends, #wealth-management-trends
---
### [Wealth management in times of change](https://objectway.com/wealth-management-in-times-of-change/)
**Published:** May 16, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Wealth management firms are accelerating digitalisation in response to historic trends and events.
**Content:**
# Wealth management in times of change
16th May 2021 – Wealth management firms are accelerating digitalisation in response to historic trends and events.
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Even before Coronavirus disruption, radical changes had been afoot in the private wealth sector for some time.
Recovery from the global financial crisis of 2008 was made more challenging by new reg- ulations aimed at preventing a repeat and all the while new upstarts from a burgeoning fintech sector were able to respond to consumers’ digital expectations faster. The pandemic then ampli- fied the need for digitalisation in the private wealth sector. Wealth, in itself, has taken on new meaning, driven by the rise of mass affluent segments in developed economies and a growing middle class in emerging markets. Traditional wealth, as defined by high or ultra high net worth, has also seen major changes through a generational transfer of trillions to mil- lennial and post-millennial generations, who are not only digitally native, but also have different views on money than their predecessors.
Deeper understanding of digital
Digital transformation, albeit much hyped, was previously misunderstood and incomplete. The adoption of “point solutions”, which focused primarily on the user experience and at the frontend, did little for integrated, enterprise-wide digital workflows and operational fabric. True and comprehensive digital trans- formation affects the highest-level strategy, process design, operations and business models. It radically changes the role of people in front-to-back operations and the way they use technology. Improving user interfaces or back-office operational efficiency leaves the institutions partly digitalised, but unable to benefit due to disconnects between functions and business units in their levels of digital adoption. Only full, cross-functional, end-to-end digitali- sation can ensure return on investment and positive outcomes. Gaining tangible value from digital change starts by building a reliable, open and consistent digital business data layer, which empowers clients to access their investment information and provides advisers with relevant, real-time and actionable insights to act on.
Secondly, it requires a digital cus- tomer experience delivered through the optimal channel mix, enhancing timely and personalised interactions anytime and anywhere. Finally, digital must be a new standard, completing the “open wealth” architecture with digital native business processes.
Digital transformation is a journey, not a destination. There is no end state to the required technological and cultural changes; it is a continuous process of evolving capabilities to meet evolving needs and markets. This makes long-term planning a critical priority, road- mapping phased adoptions and transi- tions, and optimising resource allocation for maximum outcomes.
Tech vendors must play a valuable collaborative role in this process and Objectway, a digital wealth and asset man- agement technology and services pro-managers’ strategic digitalisation plans.
All about the customer
The wealth management sector is rediscovering the imperatives of customer centricity. Traditionally providing tailored experiences in a relationship-based business, firms are now adapting to new client expectations in the digital world. The early months of the pandemic were a wake-up call that excellent in-person service is no longer enough and even a well-designed website does not meet diverse interaction requirements. This realisation triggered a catch-up rush to innovate customer engagement with digital tools and solutions. Onboarding new customers is a critical lifecycle event that remains a challenge for most firms and a weak- ness for many. In a recent news release, Objectway reported a Gartner study in which only 26 per cent of advisers said automated client onboarding was available at their firm and just 14 per cent were actually utilising it. Despite the low adoption, 87 per cent of advisers using the technology ranked it as effective. Best-practice solutions include process-oriented client lifecycle management with advanced digital onboarding, combined with optichannel and omni-device portals and native apps for superior user experiences.
Managing wealth remains at the core
While the fundamental objectives of wealth management are unchanged – wealth preservation and growth – the requirements are shifting and increasingly complex. Diminishing returns from tradi- tional investments have increased interest in new and alternative asset classes: from real estate and private equity to cryptocurrencies and tokenised assets.
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8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
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[Studie: Veraltete Technologie bremst Wachstum bei Instituten](https://objectway.com/studie-veraltete-technologie-bremst-wachstum-bei-instituten/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Studie: Veraltete Technologie bremst Wachstum bei Instituten
4 September 2026
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**Categories:** Article
**Tags:** #businessreconfiguration, #customerexperience, #digital-transformation, #wealth-management-trends
---
### [Degroof Petercam signs agreement with Objectway](https://objectway.com/degroof-petercam-signs-agreement-with-objectway/)
**Published:** December 15, 2021
**Author:** Lorenzo Noventa
**Excerpt:** Degroof Petercam, a leading independent investment house, signs agreement with Objectway to implement Eximius Portfolio Management
**Content:**
# Degroof Petercam signs agreement with Objectway
15th December 2021 – Degroof Petercam signs agreement with Objectway to implement Eximius Portfolio Management to strengthen its digital offering for the benefit of its Asset Services third party clients.
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Degroof Petercam, a leading independent investment house, and Objectway, a global top 100 wealth, banking & asset management software provider, have signed an agreement to implement Objectway’s Eximius Portfolio Management. The solution will complement the group’s Digital offering for the benefit of its Asset Services third party clients.
Belgium-headquartered Degroof Petercam is a reference financial institution in Europe, combining private banking, institutional asset management, investment banking and asset services. Degroof Petercam Luxembourg selected Eximius Portfolio Management after a competitive tender. Key arguments in favor of the solution were its compatibility with local regulations and the full coverage of all required digital functionality for third party asset managers.
With this new development, Objectway strengthens its position in the Benelux region as trustworthy provider of reliable solutions in the Wealth Management space.
There is a lot of traction and interest in the market for sophisticated and innovative solutions to deliver performance through a holistic closed-loop portfolio management process and a perfect investment strategy execution. We are absolutely delighted that Objectway has been selected by Degroof Petercam as the trusted partner.
[](https://www.objectway.com/)### Kurt Vanhee
Managing Director Continental Europe and North America, Objectway.
As a client-centric institution, we permanently update our tools and processes to better serve our clients. The Eximius solution is designed to support the Group’s growth ambition and its digital strategy in the Asset Services business and in particular the third-party client segment.
[](https://funds.degroofpetercam.com/it/home.html)### Sylvie Huret
CEO, Degroof Petercam Asset Services
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8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
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[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
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[Studie: Veraltete Technologie bremst Wachstum bei Instituten](https://objectway.com/studie-veraltete-technologie-bremst-wachstum-bei-instituten/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Studie: Veraltete Technologie bremst Wachstum bei Instituten
4 September 2026
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**Categories:** Press Release
**Tags:** #customerexperience, #financialservices, #investmentmanagement
---
### [A new hope for wealth and investment managers?](https://objectway.com/a-new-hope-for-wealth-and-investment-managers/)
**Published:** March 28, 2022
**Author:** Lorenzo Noventa
**Excerpt:** The greatest challenge to wealth managers to continue growing is how to scale the business and replicate the success model without incurring additional costs.
**Content:**
# A new hope for wealth and investment managers?
28 March 2022 – The greatest challenge to our wealth management industry to continue this level of growth is how to scale the business and replicate the success model without incurring a burdensome level of additional costs.
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The pressure to achieve growth is constant. Therefore, the greatest challenge to our wealth management industry to continue this level of growth is how to scale the business and replicate the success model without incurring a burdensome level of additional costs.
Front-end digitisation in wealth management has been lagging many other consumer-facing industries, and hardly keeping pace with rising customer expectations. At the same time, IT and operations need for modernisation. Many wealth firms still remain saddled with manually intensive processes and complex servicing arrangements, leading to high operating costs, in a scenario of lower margins, fierce competition and ever-demanding regulation.
Investments in digital technologies are helping managers innovate and offer investors more **hyper-personalised, data-driven advice and engagement models**, data-driven advice and engagement models. Data is fast becoming a core competency, and those firms who will be able to convert it into actionable insights will lead the industry.
Furthermore, as wealth firms look to integrate their front, middle and back office processes and solutions, the lines between these traditionally siloed functions will blur.
The greatest challenge to the industry to continue the current level of growth is most likely to be how to **how to achieve scalable and cost-managed growth**.
A day in the life of an adviser
Taking a deep dive into the role of advisers, within the next decade they will gradually shed their role as **investment managers** to advise clients on their **financial wellness needs** more broadly. In order to profitably serve customers, they will need to be radically leaner than they are today and set a rising bar for operational excellence.
Today, advisers manage typically around 200 or so portfolios on an ad-hoc basis. If the firm scales up and the adviser is dealing with in excess of 500 portfolios, the logistics of reviewing each thoroughly and taking any required actions on a daily basis becomes unrealistic. Outside of the increased number of portfolios to manage, other challenges come on top: **increasing volumes of data to consume**, more rules surrounding the management of the client mandate to monitor, more regulatory guidelines to comply with, all leading to less time to manage an individual portfolio.
Where can technology assist?
This is where technology can assist advisers and enable them to focus their valuable time and efforts where it is required. **Technology** can reduce the burden of time-consuming repetitive daily activities through Smart Advisor Desktops acting as **“digital assistants”**to help.
Coming to the practical daily workday of a wealth or investment manager, let’s consider some of the time-consuming activities.
1\. Compliance and continuous monitoring
The number of compliance rules to check within investment portfolios is growing every day. Balancing risk against return is becoming more complicated, but by using technology this can be done in the background, continuously and automatically generating alerts when breaches occur. Using intelligent assistance can help proactively prevent breaches, reduce risk and recommend new investment ideas to act faster and more efficiently.
2\. Consistency between pre and post trade checks
As an advisory business, you need to be proactive in making proposals or dealing with clients requiring advice. An AI-based checking engine can automatically check investment decisions, to ensure suitability before trading. Rebalancing can be executed more proactively because the digital assistant is continuously looking at investments and their objectives, therefore suggesting different courses of action that recommend how best to change the portfolio to achieve the best return.
3\. Alerts driving efficiency and adding value to advisory
A digital assistant can help looking across all information in the book of business at a glance, and then prioritises the tasks needed today, this week, next month and so on.
Indeed, a branch manager or divisional manager, can also have a team Smart Desktop that consolidates what is happening within their area of responsibility.
Using a **Smart Desktop digital assistant** approach provides a sharp shortcut to tasks, exploiting a large amount of existing data from multiple sources and consolidating everything in one place to help manage a book of business more efficiently, making the firm more effective and improving headcount ratios. The focus and effort is then only on automatically highlighted exceptions, whilst the remaining book of business is being maintained, is compliant and on track to meet a client’s goals.
The Smart Desktop approach ultimately enables a firm to effectively manage more clients, deliver more focused attention where it is needed and concentrate on growing the business.
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8 September 2026
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[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
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4 September 2026
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**Categories:** Article
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---
### [Navigating the Future of Asset Management: Key Takeaways from AM Tech Day 2023](https://objectway.com/the-future-of-asset-management-between-generative-ai-and-esg-data/)
**Published:** October 19, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Asset management industry is facing a transformation driven by the evolving expectations of investors, technological advancements and the rise of Generative AI
**Content:**
[  ](/market-trends/)
###### October 19, 2023
# Navigating the Future of Asset Management: Key Takeaways from AM Tech Day 2023
[Miroslav Petrov](https://www.linkedin.com/in/miroslav-petrov-055a5267/?originalSubdomain=fr)
PRODUCT DIRECTOR – INVESTMENT COMPLIANCE OBJECTWAY
Reading time: 3 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Artificialintelligence](/artificial-intelligence/)[\#ClientExperience](/clientexperience/)[\#DigitalChange](/digitalchange/)[\#Esg](/esg/)[\#OpenApi](/open-api/)
Objectway has recently participated in the AM Tech Day 2023 – the European market event dedicated to the impact of technological innovation on the asset management industry, gathering asset managers, wealth managers, asset owners and FinTechs.
This year’s key theme was “Take back the control of your data!” and discussions were centred on the profound transformation of the industry, largely driven by the evolving expectations of investors and technological advancements, particularly the [rise of Generative AI](/ai-in-financial-services-a-transformative-force-for-a-long-term-strategy/). Asset managers are facing higher demands of establishing robust data governance, ensuring they retain ownership of their data, and determining the responsibilities of data providers and AI interfaces. The European initiative for data governance Gaia-X was a topic of interest, raising questions about the future federated data infrastructure for cloud services.
Another significant area of focus is the potential of client behaviour data already present within asset management systems. By harnessing this data, asset managers can gain invaluable insights into client preferences, enabling them to offer more tailored services. This is especially pertinent given the growing concerns about greenwashing and the consistency of data, leading to an increased demand for Environmental, Social and Governance data. A 2023 study by EY revealed that 60% of asset managers use between 2 to 5 data providers, with the global ESG data market being valued at €1.3 billion.
As organizations look to expand globally, transitioning to Data as a Service and leveraging marketplaces with investment data and API’s can be beneficial. However, they must carefully consider the advantages and disadvantages of various data strategies, such as virtualization and consolidation. AI’s role in enhancing client communication and the balance between self-care and personalized client management was another topic of discussion.
The potential of Decentralized Finance (DeFi) in reshaping financial management was explored, touching upon the opportunities in digital assets and the challenges associated with investor protection and anti-money laundering measures. Asset managers are also being encouraged to rethink their digital and distribution strategies to offer more specialized experiences. The potential of Direct-to-Consumer models and the role of Generative AI in identifying retail client needs were highlighted.
Regulatory requirements and data volumes are pushing market players towards more advanced data strategies, with AI being recognized as a game-changer in ensuring business growth, compliance, and operational efficiency.
The industry is looking forward to advanced data warehouse architectures, data quality optimization, de-duplication and standardization initiatives. In essence, for asset managers to thrive in the future, embracing technological advancements, understanding evolving client needs, and ensuring robust data governance are imperative.
**RELATED POST**
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### AM Tech Day 2023: Take back the control of your data!
[](/am-tech-day-2023-take-back-the-control-of-your-data/)
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**Categories:** #Api, #ArtificialIntelligence, #ClientExperience, #Dataprotection, #DigitalChange, #Esg, Market Trends
---
### [L’advisory Digital è end-to-end](https://objectway.com/ladvisory-digital-e-end-to-end/)
**Published:** October 28, 2019
**Author:** Alessandro Rocco
**Excerpt:** Integrare processi digitali e governance umana dei processi di investimento
**Content:**
# L’advisory Digital è End-To-End
28 Ottobre 2019 – Integrare processi digitali e governance umana dei processi di investimento.
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Ecco la visione di Objectway.
Equilibrio tra personalizzazione e controllo
Il tema è stato al centro dell’incontro “End-to-end digital advisory”, che come AziendaBanca vi abbiamo segnalato tramite la newsletter AB7. E riguarda una sfida importante: se il digitale permette di portare efficienza e garantire la compliance, come si trova il giusto equilibrio tra la centralizzazione permessa dal digitale e la personalizzazione che la consulenza non solo vuole, ma deve fornire al cliente per servirlo al meglio?
Una piattaforma a servizio dell’advisory
È ormai assodato che l’obiettivo generale dell’industria è automatizzare i processi amministrativi e burocratici (la cosiddetta “routine”) per lasciare il consulente libero di focalizzarsi sulla relazione con il cliente e quindi sulla generazione di valore. Una piattaforma digitale, in questo quadro, serve a efficientare il lavoro dei consulenti e quindi a migliorarne la performance.
Un messaggio chiaro sulla view di investimento
Eppure, la fase di proposta dell’investimento è quella cruciale: perché vanno bilanciate l’esigenza di una governance centrale, che elabora strategie in base a modelli di analisi e rappresentazione economica e finanziaria, e la personalizzazione su esigenze e obiettivi del cliente (anche in ottica di compliance). L’approccio di Objectway ricostruisce il processo di investimento scomponendolo in moduli e permettendo più alternative applicabili in ogni fase del processo. Al di là dei tecnicismi, l’obiettivo è definire una consulenza differenziata per segmenti, con approcci coerenti che consentano in primis al consulente di dare all’altro “end” del processo, cioè al cliente, un messaggio chiaro e facile da comprendere sulla visione dell’azienda.
Proposta pronta, ma personalizzabile
Il consulente riceve così una proposta per essere condivisa con il cliente, con un elenco di ordini eseguibili su cui il sistema ha già effettuato tutti i controlli. E può così focalizzarsi sulla relazione con il cliente, sulla comunicazione. Può però comunque intervenire per personalizzare o modificare, anche da zero, la proposta generata centralmente: lo farà, ovviamente, con il sostegno dei motori di verifica del rispetto delle regole operative e della normativa.
KPI di analisi e integrazione con l’esistente
Il tutto fornendo in tempo reale KPI precisi per valutare la performance di ogni fase del processo di consulenza. E con motori di adeguatezza scalabili, in grado quindi di adeguarsi perfettamente all’aumentare del carico di lavoro, garantendo portafogli ottimi e adeguati in cui uno strumento di compliance diventa anche generatore di valore per il business. E che si propone di integrarsi con le soluzioni esistenti, essendo disponibile sia in cloud sia on premises.
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7 September 2026
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4 September 2026
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**Categories:** Article
**Tags:** #digital-advisory, #digitaltransformation, #hybridadvisory
---
### [Wealth managers slow to adapt 'hyper-personalisation', despite widespread interest](https://objectway.com/wealth-managers-slow-to-adapt-hyper-personalisation-despite-widespread-interest/)
**Published:** June 4, 2021
**Author:** Lorenzo Noventa
**Excerpt:** The firm defined ‘hyper-personalisation’ as the ability for wealth and investment managers to provide a real-time customised offering, in terms of content and the user experience
**Content:**
# Wealth managers slow to adapt ‘hyper-personalisation’, despite widespread interest
4th June 2021 – The firm defined ‘hyper-personalisation’ as the ability for wealth and investment managers to provide a real-time customised offering, in terms of content and the user experience. This required capturing data across the whole client journey, to personalise the client and service offering.
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A new survey reveals the extent to which wealth managers are dragging their heels in developing their ‘hyper-personalisation’ strategies, despite widespread interest in the topic.
A new survey reveals the extent to which wealth managers are dragging their heels in developing their ‘hyper- personalisation’ strategies, despite widespread interest in the topic.
Objectway, a wealth and investment management fintech, found that while a third of its respondents had developed a hyper-personalisation strategy, a quarter were not yet looking at the issue. The remainder were either talking about it (21 percent) or working on it (21 percent).
The firm defined ‘hyper-personalisation’ as the ability for wealth and investment managers to provide a real-time customised offering, in terms of content and the user experience. This required capturing data across the whole client journey, to personalise the client and service offering. “The advent of the digital era has led customers to evolve…making organisations fully aware that the best direction to take in order to keep customers’ attention alive is the implementation of highly customised communication tactics and experiences,” Objectway’s researchers said. “…firms should make better use of all the data they receive from different channels, to reach a level of personalisation where clients provide additional personal data in return for value propositions and benefits.”
In the survey, respondents were asked which definition of hyper-personalisation they believed fit best in a wealth management context, with 29 percent saying it should provide clients with bespoke investment solutions. An equal number (29 percent) said it meant providing personalised offers, content, and education along the customer journey; while 25 percent said it related to a “personalised digital wealth experience”.
When the topic turned to what firms wanted their own hyper-personalisation strategies to achieve, again, much focus was placed on the provision of appropriate investment management services – 31 percent said they would like to use technology to offer personalised investment management proposals.
Twenty-two percent wanted to improve the customer experience and 19 percent were focused on operational efficiency. Interestingly, only 8 percent saw hyper-personalisation as primarily a way of entering new market segments.
This topic was also raised at a May roundtable for UK wealth managers, hosted jointly by Objectway and PAM Insight. While the attendees were all interested in, and thinking about the topic, few had taken meaningful action in terms of harnessing client data to personalise their portals and onboarding processes.
One attendee, from a boutique firm serving ultra-high net worth clients, said they were sceptical as to whether such technology would have widespread application amongst the very wealthy, who preferred solely “human-based” interaction and advice.
Another said that while younger generations had much higher expectations on the user-experience front, they still needed the emotional support which came from a close relationship with a human adviser, particularly as they went through the process of inheriting a large sum.
Another recurring theme at the roundtable was data quality – firms were either in the process of tidying up their data, or felt they needed to do so before embarking on any meaningful hyper-personalisation projects. In some cases, legacy systems were an issue.
The challenge of data was also reflected in Objectway’s survey. When asked whether they were enhancing the client experience through data-driven advice and reporting, only 25 percent answered in the affirmative. More than half (54 percent) were talking about or thinking about this issue.
“To achieve this goal, artificial intelligence, machine learning, and analytics are not enough: it’s advisable to create an effective data management program and data-driven culture,” Objectway’s researchers said.
Such data analytics can change how wealth managers interact with their clients – either through investment selection, products, content, or other marketing.
The largest group of Objectway’s respondents (37 percent) were focused on personalised portfolio construction, while 18 percent wanted to implement bespoke risk profiles and personalised financial planning (18 percent). Only 16 percent saw personalised communication and reporting as the top priority.
Objectway pointed out that the topic was likely to rise in prominence in coming years, given heightened interest but an overall lack of action.
Capgemini’s 2020 World Wealth Report indicated that less than half of high-net worth clients were satisfied with their wealth management provider’s personalised offering.
“If the ultimate goal is to build personalised relationships that last and strengthen, together with encouraging customer loyalty towards \[a\] brand, we can assume the more personalised a service, a product, and experience is, the stronger client relationships become,” Objectway concluded.
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### [Digitalizzazione: così cambiano modelli di business e customer experience](https://objectway.com/digitalizzazione-cosi-cambiano-modelli-di-business-e-customer-experience/)
**Published:** June 30, 2017
**Author:** Alessandro Rocco
**Excerpt:** Che la digitalizzazione contribuisca all’evoluzione dei modelli di business e di relazione con la clientela è ormai un dato di fatto, anche nel settore del private banking
**Content:**
# Digitalizzazione: così cambiano modelli di business e customer experience
30 Giugno 2017 – Che la digitalizzazione contribuisca all’evoluzione dei modelli di business e di relazione con la clientela è ormai un dato di fatto, anche nel settore del private banking
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Digital engagement and collaboration in wealth and investment management: the hype, the reality and the future
Nell’articolo, dedicato ai risultati dell’indagine **Objectway-Efma “Digital engagement and collaboration in wealth and investment management: the hype, the reality and the future”**, emerge che oltre la metà degli intervistati (un panel eterogeneo distribuito in 27 paesi), ritiene l’offerta di servizi di online investment necessaria per conquistare nuovi segmenti di mercato e per affiancare l’offerta tradizionale e il 90% del campione dichiara di avere progetti attivi in tal senso.
Al tempo stesso però l’investitore digitale è ritenuto meno fedele. Per più della metà degli intervistati la relazione digitale è un problema quando si tratta di fidelizzazione dei clienti. Le motivazioni principali citate dagli investitori per passare ad un altro istituto finanziario sono tutte correlate alla comunicazione. Inoltre, quando il processo digitale non è automtizzato ed è inefficiente i clienti tendono a decidere di cambiare istituzione finanziaria. Curare la customer experience online è pertanto un obiettivo essenziale per la fidelizzazione.
Per digitalizzare i servizi di investimento ci sono tre elementi imprescindibili da considerare.
Innanzitutto, la tecnologia deve permettere di servire il cliente wherever, whenever e however. L’interazione è fondamentale. La collaborazione può avvenire real time o in maniera asincrona, ma deve rimanere coerente.
La customer experience rappresenta il secondo elemento necessario per la digitalizzazione dei servizi di investimento: si può infatti considerare come la nuova corporate identity.
Infine, l’uso degli algoritmi è determinante sia nella fase di profilazione del cliente sia nella generazione della proposta di investimento e successivamente nelle verifiche di adeguatezza, per garantire che il servizio offerto sia costantemente in linea con le caratteristiche dell’investitore e personalizzato in base alle sue esigenze e agli obiettivi di investimento.
Non si rinuncia al canale fisico per le questioni più complesse, ma a questo si affiancano strumenti di digital engagement e collaboration per accedere agli investimenti in autonomia, sempre e dovunque o per richiedere la consulenza del proprio banker tramite strumenti di chat, video-chat e screen-sharing online. La tecnologica in questo ambito permette di realizzare servizi di hybrid advisory sempre più personalizzati. L’obiettivo è offrire servizi d’investimento e gestione patrimoniale di qualità a sempre più persone, garantendo elevata personalizzazione e semplicità di utilizzo.
L’approccio vincente ai servizi di investimento sarà dunque quello ibrido, capace di integrare l’interazione umana con strumenti digitali per comunicare e collaborare con il proprio banker in tempo reale o in maniera asincrona, sempre e ovunque. I timori che la digitalizzazione comprometta il rapporto fiduciario vanno quindi fugati, anzi è proprio questa a rendere possibile maggiore trasparenza nei costi di servizio, nell’attribuzione del profilo di rischio e nel suo costante adeguamento.
In conclusione possiamo affermare che personalizzazione e semplificazione dei servizi, profilazione accurata, valorizzazione del tempo del cliente e compliance sono gli ambiti in cui l’innovazione tecnologica ha un ruolo fondamentale e su cui si giocherà il successo degli operatori sul mercato.
L’approccio vincente ai servizi di investimento sarà quello ibrido
[](https://www.linkedin.com/in/alberto-cuccu-21a401/)### Alberto Cuccu
Chief client solution officer, Objectway
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### [Gestori alla sfida della redditività](https://objectway.com/gestori-alla-sfida-della-redditivita/)
**Published:** June 27, 2017
**Author:** Alessandro Rocco
**Excerpt:** Le novità regolamentari potranno portare ad una maggiore concorrenza e pressione sulle fee
**Content:**
# Gestori alla sfida della redditività
27 Giugno 2017 – Le novità regolamentari potranno portare ad una maggiore concorrenza e pressione sulle fee.
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L’articolo illustra come la tecnologia può aiutare a ridurre i costi e incrementare i margini.
L’industria del risparmio gestito continuerà a crescere in Italia con un patrimonio gestito che ammonterà a 1.943 miliardi di euro nel 2020. È la previsione di PwC presentata nello studio
«L’industria dell’asset management nel 2020». Un ruolo lo giocheranno anche le private bank, che dovranno conquistare una fetta di risparmio non ancora coperta dalla consulenza e puntare sui servizi e prodotti ad alto valore aggiunto. «Negli ultimi anni», osserva Mauro Panebianco, partner di PwC e Awm Consulting leader Italy, «la ricchezza delle famiglie italiane si è spostata ver- so i prodotti del risparmio gestito per far fronte ai rendimenti vicini allo zero sugli investimenti che sono sempre stati prediletti dagli italiani, ovvero le obbligazioni governative e bancarie. Considerando che meno del 50% della ricchezza finanziaria delle famiglie italiane è investita in prodotti del risparmio gestito, ci aspettiamo che questo trend possa continuare per avvicinarsi alla media europea».
Ma il futuro porta anche delle sfide. Lo studio di PwC ricorda che le principali novità regolamentari (MiFID II /MiFIR) comporteranno una revisione dell’attuale modello di business, con le seguenti implicazioni per il wealth management: maggiori oneri di trasparenza e compliance normativa, con conseguente compressione dei margini e riduzione delle fee; possibile pressione regolamentare sulle retrocessioni e aumento della complessità degli accordi distributivi per la richiesta maggiore trasparenza. La parola d’ordine sarà ridurre i costi nelle attività a minore valore aggiunto. E la tecnologia può venire in aiuto come ricorda Luigi Marciano, presidente, fondatore e ceo di Objectway: «Uno dei temi che sta generando maggiori aspettative nel settore finanziario in tema di efficienza sono le tecnologie di Robotic process automation (Rpa), l’automazione robotica per la gestione di tutte le attività a minore valore aggiunto per il business».
Secondo Marciano si tratta di strumenti che automatizzano tutte o alcune fasi dei processi manuali basati su regole, ad esempio processi amministrativi, inserimento dati o controlli, a favore di riduzione dei costi e dei rischi operativi, incremento dei margini grazie a un migliore rapporto costo/ricavo e massima produttività. «Il costo del back office rappresenta in particolare una quota importante delle spese operative nel settore finanziario», continua il presidente di Objectway. «Le banche private possono sfruttare queste tecnologie per migliorare la gestione delle attività e dei processi non automatizzati, liberando così risorse per attività di core business a maggior valore aggiunto». Mentre un’altra strategia per ridurre l’impatto di alcune attività ripetitive tipiche del back office consiste nel trasferirle nella fase di engagement del cliente: per esempio la compilazione del questionario MiFID, la raccolta dei dati personali o la definizione dei propri obiettivi di investimento sono eseguibili direttamente dall’investitore in modalità self-service.
Le informazioni acquisite vengono quindi gestite in maniera automa- tizzata e rese disponibili per le attività successive di consulenza e gestione del portafoglio.
La tecnologia può venire in aiuto anche nella relazione tra cliente e banker. Data la complessità delle prestazioni fornite ai clienti di fascia alta, le banche private hanno basato il proprio modello di servizio sul rapporto personale tra banker e cliente.
Anche in questo segmento di mercato meno colpito dalla trasformazione digitale, la tecnologia sta determinando un cambiamento sia nel modello di offerta, sia nel favorire una maggiore trasparenza ed efficienza nella relazione banca-cliente. «Il canale fisico rimane per le questioni più complesse», continua Marciano, «ma a questo si affiancano strumenti di digital engagement e collaboration per accedere agli investimenti in autonomia, sempre e dovunque, o per richiedere la consulenza del proprio banker tramite chat, videochat e condivisione dello schermo online». Gli operatori tradizionali stanno utilizzando le tecnologie digitali anche per attrarre nuovi investitori, mediante l’offerta di molteplici canali di interazione.
Infine «le piattaforme digitali evolute per la gestione dei prodotti di investimento abilitano l’offerta di servizi flessibili, adattabili alle diverse esigenze della clientela a costi più bassi», conclude l’esperto. «Le banche private possono ampliare il profilo d’offerta includendo strategie di investimento a lungo termine delegate, advisory basata su obiettivi, fino a servizi in cui il cliente effettua in autonomia le scelte d’investimento».
Gli strumenti digitali contribuiscono inoltre a favorire una migliore conoscenza e profilazione della clientela, uno degli aspetti determinanti per fornire un servizio altamente personalizzato. Altrettanto importante è la costante verifica della coerenza dell’operatività del cliente rispetto al suo profilo di rischio. Tanto per assicurare la compliance alla normativa quanto per rispondere all’evoluzione del profilo del cliente, che nel tempo può cambiare in termini di aspettative o capacità di sopportare i rischi e in rapporto all’evoluzione stessa, strutturale o contingente, dei mercati finanziari.
[](https://www.linkedin.com/in/luigi-marciano-66b9538/)### Luigi Marciano
Founder & CEO, Objectway
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---
### [Il Private Banking sposa il modello ibrido](https://objectway.com/ibrido-e-questo-il-nuovo-private/)
**Published:** November 15, 2017
**Author:** Alessandro Rocco
**Excerpt:** Il Private Banking si sta aprendo al modello di servizio ibrido, in cui la digitalizzazione trasforma i processi operativi, mentre gli algoritmi del robo-advisor supportano il lavoro del banker e del consulente finanziario.
**Content:**
# Il Private Banking sposa il modello ibrido
15 Novembre 2017 – Cadono i vecchi miti del private banking: la relazione umana rimane al centro, eppure la digitalizzazione e i motori di robo investing prendono piede per fornire alla clientela un nuovo modello di servizio e di relazione
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Il private banking si apre al modello di servizio ibrido: la digitalizzazione trasforma i processi operativi, mentre gli algoritmi del robo advisor offrono il loro sostegno al banker.
«Per anni abbiamo sentito ripetere il mantra dell’importanza del private banker nel rapporto diretto con il cliente – premette Alberto Cuccu, Chief Client Solution Officer di Objectway –, mettendo in secondo piano la necessità della clientela di gestire in autonomia il proprio porta- foglio. In parte anche per via del timo- re che gli strumenti digitali potessero rompere la catena relazionale banca- private banker-cliente, scavalcando la figura centrale in questo rapporto. Ciò ha portato a un ritardo della digitalizzazione nel mondo del private banking». Ora queste barriere sono venute meno, come sottolinea Cuccu.
La disintermediazione del robo advisor
Il risultato è un accesso 24/7 alla propria posizione, per visionare i portafogli di investimento, i report delle performance e anche l’aderenza verso eventuali portafogli modello. Il tutto online e via app. «La comunicazione avviene tramite canali digitali – sottolinea Cuccu. Ma a rivoluzionare il mondo del private è un altro elemento: il robo advisor. Non più prerogativa delle nuove realtà ma anche delle banche maggiori, soprattutto quelle retail che puntano a una fa- scia di clientela più alta. Addio quindi al private banking tradizionale: gli operatori oggi offrono alla clientela la possibilità di creare portafogli di investimento direttamente online e, per quanto la relazione umana sia importante, è riduttivo limitarla al vecchio paradigma che prevede l’incontro fisico tra private e cliente».
Il modello ibrido
Ma se il valore aggiunto del private si esplica nella consulenza personalizzata, il robo advisory non può essere protagonista. «Gli operatori più tradizionali, che contano su gestori specializzati, infatti non stanno spingendo sul robo in maniera evidente, per evitare che si diffonda il concetto che una tecnologia sia in grado di replicare il lavoro di un team di esperti – precisa Cuccu. Si preferisce un modello ibrido, dove la componente di- gitale trasforma i processi operativi di invio, sottoscrizione ed esecuzione della proposta al cliente. La clientela infatti riceve sul proprio device proposte di investimento o ribilanciamento del portafoglio, eseguibili direttamente online, senza il bisogno di incontrare il banker e firmare documentazione cartacea. Mentre i motori di robo investing supportano il lavoro dei gestori, che offrono valore aggiunto alla relazione».
Il retail corre verso il digitale
Un approccio diverso alla tecnologia robo caratterizza il mondo retail. «Sono diverse le banche retail che stanno entrando nel mondo dei servizi di investimento, puntando al target private – conclude Cuccu. Ma nella loro offerta il robo emerge maggiormente, soprattutto per via della quantità di clienti che vogliono raggiungere: decine, se non centinaia di migliaia di utenti».
Gli operatori private hanno scelto di cambiare rotta spinti da 3 fattori: il cambiamento delle abitudini della clientela nel mondo digitale, l’entrata in vigore della MifiD 2 e l’evoluzione tecnologica.
[](https://www.linkedin.com/in/alberto-cuccu-21a401/)### Alberto Cuccu
Chief client solution officer, Objectway
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---
### [Ora la consulenza finanziaria è ibrida](https://objectway.com/robo-advisory-verso-un-modello-ibrido/)
**Published:** April 30, 2018
**Author:** Alessandro Rocco
**Excerpt:** La human governance unita alle funzionalità robo permetteranno di personalizzare in modo significativo la consulenza
**Content:**
# Ora la consulenza finanziaria è ibrida
30 Aprile 2018 – La human governance unita alle funzionalità robo permetteranno di personalizzare in modo significativo la consulenza. Parola di Objectway che anticipa la soluzione Robo Planning
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Robo-Advisory, verso un modello ibrido.
Semplici da usare e a basse costo per l’utente finale, le piattaforme di roboadvisory sembrano essere pronte per conquistare un’ampia popolarità. Ma quali sono le probabilità che riescano a soppiantare il modello tradizionale di consulenza e distribuzione dei prodotti finanziari? Per ora molto scarse, dato all’orizzonte si profila l’emergere di un modello ibrido, più adatto all’evoluzione di una customer journey sempre più complessa e multicanale.
Verso l’advisory ibrido
Ad affermarlo un’indagine condotta nel 2016 negli Stati Uniti da A.T.Kearney su un campione di investitori affluent secondo cui l’incremento della trasparenza sui prezzi, dovuto anche all’introduzione di nuove normative e il crescente impatto della tecnologia starebbero modificando il contesto d1 mercato. In particolare secondo il report, durante i prossimi cinque anni, i risparmiatori si sposteranno lentamente verse nuove forme di advisory in cui il modello digitale si confermerà prevalente ma non nella sua forma pura, bensì ibrida, in quanto supportata dalla presenza fisica del consulente.
Robo Planning di Objectway
Una visione condivisa anche da Objectway che in occasione dell’ultimo Salone del Risparmio, ha anticipato il lancio della soluzione Robo Planning che andrà in produzione nei prossimi mesi anche sul mercato italiano. Le piattaforme nativamente digitali per la consulenza hanno ormai compreso quanto sia necessario per incrementare la loro share of wallet passare da un modello puro ad uno ibrido in grado di integrare l’esperienza digitale con altri canali tra cui mail chat, call center e altro ancora, sottolinea Michele Tanzi, Client Solution Director di Objectway. Allo stesse tempo i player tradizionali devono capire come integrare la componente digitale all’interno dei loro processi. Noi riteniamo che l’approccio ibrido, pur continuando a preservare la centralità del consulente, sia il modello in grado di rispondere meglio ai bisogni della clentela. La human governance unita alle funzionalità robo permetteranno di personalizzare in modo significativo la consulenza.
Abbiamo integrato questo approccio nella soluzione Robo Planning che è in grado di efficientare tutto il processo di investimento in modalità end to end: generazione automatica di proposte MiFIO compliant alla definizione di campagne dal ribilanciamento automatico del portafoglio all’invio delle proposte all’advisor o al cliente finale fino al monitoraggio e misurazione dell’efficacia della campagna.
[](https://www.linkedin.com/in/michele-tanzi-39b18410/)### Michele Tanzi
Chief solution director, Objectway
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### [Consulenza, più valore all’ultimo miglio](https://objectway.com/consulenza-piu-valore-allultimo-miglio/)
**Published:** December 11, 2018
**Author:** Alessandro Rocco
**Excerpt:** Attraverso nuove soluzioni di portfolio optimization, Objectway coniuga l’automazione di processo e la personalizzazione del servizio
**Content:**
# Consulenza, più valore all’ultimo miglio
11 Dicembre 2018 – Attraverso nuove soluzioni di portfolio optimization, Objectway coniuga l’automazione di processo e la personalizzazione del servizio
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Secondo una recente indagine di Objectway, nel corso del 2018 il 70% delle società di wealth management nel Regno Unito si è detto disposto a dare la priorità agli investimenti in tecnologia digitale.
Anche in Italia l’attenzione verso le opportunità offerte da piattaforme IT di servizi si rileva elevata ferma restando una certa cautela nell’affrontare il tema dell’integrazione tra le nuove tecnologie, i sistemi legacy e i layer digitali già esistenti, come spiega Michele Tanzi, Client Solution Director di Objectway.
Un aspetto cruciale: la next best action
«Nel percorso verso una maggiore digitalizzazione dei servizi di private banking stanno emergendo alcune sfide: la pressione sui margini, dovuta anche alla recente introduzione della MIFID II, comporta l’aumento delle masse gestite e dei clienti per ciascun banker. Si conferma quindi determinante la capacità di avere strumenti in grado di suggerire in modo proattivo la “next best action” al banker. Ma per abilitare queste capacità occorre inserire le nuove soluzioni all’interno di un contesto già esistente, costituito da sistemi legacy e da layer digital di prima generazione. Esistono diversi paradigmi di integrazione delle informazioni, ma finora quello prevalente è consistito nel trasferimento massivo dei dati da una piattaforma all’altra. Si tratta tuttavia di un modello poco efficiente, basato su un’eccessiva ridondanza del dato. I moderni approcci rendono possibile invece ridurre le criticità garantendo una condivisione più efficiente delle informazioni all’interno del nuovo ecosistema digitale».
Onboarding e gestione del tempo
Se da un lato, per alcuni aspetti, la digitalizzazione nel private banking potrebbe presto rivelarsi una commodity, dall’altro si sta affermando la tendenza ad affiancare all’automazione spinta dei processi la personalizzazione dei contenuti del servizio.
Partendo da questo presupposto, Objectway sta introducendo nuove funzionalità sia per quanto riguarda l’onboarding, sia la gestione nel tempo della relazione con il cliente.
Portfolio management: appuntamento al 29/11
Entrando invece all’interno di quello che è il processo di consulenza, Objectway ha recentemente definito una soluzione di portfolio optimization che verrà illustrata, insieme al centro di ricerca Greta, nel corso di un evento che si terrà il prossimo 29 novembre presso la sua sede a Milano. «La soluzione consente al banker e alle strutture centrali della banca di preparare in anticipo e in modo automatico proposte di investimento per un set anche molto elevato di clienti. In questo modo siamo in grado di coniugare l’automatizzazione di processo con la personalizzazione del servizio che rappresenta di fatto “l’ultimo miglio” della consulenza, quello in cui il valore aggiunto del banker può esprimersi appieno».
Abbiamo sviluppato un nuovo prodotto per l’onboarding del cliente, che comprende l’uso della firma digitale di tutta la documentazione. Abbiamo migliorato l’esperienza d’uso del cliente e del banker attraverso l’inserimento di un assistente digitale che interviene in modo proattivo, segnalando e programmando gli adempimenti da effettuare per quanto riguarda la modulistica e la contrattualistica.
[](https://www.novobanco.pt/)### Michele Tanzi
Chief solution director, Objectway
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### [Anche la tecnologia si prepara all’Eurozona ex-UK](https://objectway.com/anche-la-tecnologia-si-prepara-alleurozona-ex-uk/)
**Published:** September 4, 2018
**Author:** Alessandro Rocco
**Excerpt:** Quali saranno gli effetti dell’uscita della Gran Bretagna sugli investimenti IT?
**Content:**
# Anche la tecnologia si prepara all’Eurozona ex-UK
4 Settembre 2018 – Quali saranno gli effetti dell’uscita della Gran Bretagna sugli investimenti IT? È ipotizzabile un periodo di incertezza in attesa della ridefinizione dei numerosi accordi che regolano il mercato degli investimenti in Europa
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Digital engagement and collaboration: situazione attuale ed evoluzione futura.
Rispetto ai risultati della scorsa indagine, nella survey **Objectway-EFMA di quest’anno “Digital engagement and collaboration in wealth management: the hype, the reality and the future”** abbiamo voluto comprendere come gli istituti finanziari nel settore del wealth e investment management stiano sfruttando la digitalizzazione per incrementare il business, per migliorare l’efficienza operativa e la produttività.
Nella survey “Digitalisation practice: transforming investment services for affluent clients”, che abbiamo realizzato insieme a Efma due anni fa, abbiamo osservato come i principali operatori finanziari nel settore del wealth e investment management stessero intraprendendo una strategia digitale integrata attraverso l’analisi di cinque ambiti: customer centricity. channel interaction, digital mobility, analytics e social media.
I risultati evidenziavano che il valore della digitalizzazione era connesso soprattutto al miglioramento del servizio al cliente, mentre poche società indicavano l’efficienca e la produttività come un vantaggio competitivo altrettanto importante.
“Digital engagement and collaboration”: situazione attuale ed evoluzione futura
Rispetto ai risultati della scorsa indagine, nella survey Objectway-Efma di quest’anno “Digitai engagement and collaboration in wealth management: the hype, the reality and the future”, abbiamo voluto comprendere se e come gli istituti finanziari rei settore del wealth e investment management stiano sfruttando la digitalizzazione per incrementare il business, per migliorare l’efficienza operativa e la produttività.
Per questo ci siamo focalizzati in particolare su digital engagement e collaboration, affiancando all’analisi della customer experience, degli analytics e dei social media, gli ambiti della digitai strategy e dell’online investment management.
Il contesto
Lo studio ha coinvolto istituzioni finanziarie in 27 nazioni e offre quindi un campione rappresentativo dei paesi di maggior interesse per i temi oggetto della nostra indagine. Il 60% degli operatori finanziari che hanno partecipato alla survey offre servizi sia alla clientela affluent che private con una composizione eterogenea del panel per quanto riguarda gli asset in gestione. La varietà nella composizione del campione aggiunge rilevanza ai risultati poiché significa che i trend emergenti coinvolgono l’intero settore, indipendentemente dalle dimensioni dell’istituzione finanziaria e dal volume di business gestito.
I risultati della ricerca
Un dato fondamentale riguarda il ruolo della digitalizzazione: quasi la metà degli operatori finanziari considera digitai engagement e collaboration un tema strategico e il 90% degli intervistati dichiara di avere progetti attivi in tal senso. Di conseguenza, le istituzioni finanziarie hanno inizialo a mettere a disposizione della clientela affluent e private diversi canali di interazione. L’approccio più diffuso è quello integrato, che unisce la disponibilità di un advisor in filiale per le questioni più complesse: alla consulenza da remoto accessibile sempre e ovunque tramite sistemi di collaborazione digitale per garantire un servizio efficace e veloce.
In termini di strumenti di digitai engagement e collaboration, il panel risulta ben equipaggiato e intenzionato a potenziarli ulteriormente. Mentre vengono oggi utilizzati soprattutto per fornire informazioni in risposta alle richieste dei clienti, l’evoluzione in due anni sarà verso un approccio proattivo, attraverso l’uso di raccomandazioni d’investimento online \[+10%), e con il passaggio da un rapporto advisor-cliente in larga parte unidirezionale a uno bi-direzionale, attraverso strumenti di co-browsing (+10%). L’interazione è considerata fondamentale.
Al tempo stesso sono considerati rilevanti anche la personalizzazione della user experience, l’analisi comportamentale, l’accesso a tool dedicati e il virtual personal assistant. Ciò significa che la capacità di creare una customer experience unica, differenziata in base al tipo di ciientela a cui ci si rivolge sarà la chiave per aumentare la crescita del business. Tuttavia. solo il 31.4% del campione offre ai propri clienti un’esperienza coerente e in tempo reale attraverso tutti i canali di interazione.
Questo sarà un ambito su cui lavorare anche considerando che per più della metà dei partecipanti alla survey, la relazione digitale può rappresentare un problema in termini di fedeltà dei clienti all’istituzione finanziaria. Weallh e investment manager dovranno affrontare anche un’altra richiesta in crescita: rendere disponibile un approccio self-service agli investimenti da parte degli investitori digitali. Il 31.4% del panel lo considera complementare, mentre per un quarto del campione è strategico per conquistare nuovi segmenti di mercato.
I servizi di investimento online possono essere sfruttati in diversi ambiti (tool e simulatori, profilo di rischio, questionario MiFID), ma in particolar modo per l’onboarding del cliente (67%). La sfida nel processo d1 onboarding è mantenere la coerenza e la compliance dei dati in ogni punto del percorso e su ogni canale di contatto. I benefici, d’altra parte sono evidenti: miglioramento dell’efficienza grazie al management by exceptions e possibilità di focalizzarsi su attività di consulenza a valore aggiunto. I servizi di investimento online attualmente non sono specificamente destinati a una determinata tipologia di clienti (ad esempio in base all’età o all’entità del portafoglio), mentre il trend indica che in due anni potrebbero essere utilizzati per servire l’intero spettro di investitori. Questo dimostra che i confini tradizionali in termini di servizi dedicati ai diversi segmenti di clientela si stanno rapidamente confondendo. Coerentemente con questa evidenza, nei prossimi due anni si assisterà a un notevole interesse verso le soluzioni di robo e hybrid advisory, alla possibilità di integrare l’interazione umana con strumenti digitali per comunicare e collaborare col proprio advisor in tempo reale o in maniera asincrona, sempree dovunque, rappresenterà l’approccio vincente ai servizi di investimento Infine, ana!ytics e social media si confermano come gli strumenti più appropriati per raggiungere una conoscenza approfondita del profilo e dei comportamenti degli investitori per interagire con ognuno in modo personalizzato.
Nei prossimi due anni si assisterà a un notevole interesse verso soluzioni di robo e hybrid advisory.
[](https://www.linkedin.com/in/alberto-cuccu-21a401/)### Alberto Cuccu
CEO, Objectway International
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### [Siete pronti per il Digital Wealth?](https://objectway.com/siete-pronti-per-il-digital-wealth/)
**Published:** March 26, 2019
**Author:** Alessandro Rocco
**Content:**
# Siete pronti per il Digital Wealth?
26 March 2019 – Come recuperare il gap tecnologico per attirare le nuove generazioni. La visione di Objectway
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Big Data, AI e IoT cambiano comportamenti e attese dei clienti.
Secondo il recentissimo report del Capgemini Research Institute dal titolo Where are banks and insurers on their digital mastery journey?, le aziende del settore dei servizi finanziari sono in ritardo nel percorso di digital transformation rispetto a quelle di altri settori. Banche e assicurazioni dichiarano di avere scarsa fiducia nelle proprie competenze digitali, e questo si aggiungono una carenza di skill, leadership e vision collettiva per definire il proprio futuro digitale. Qual è la situazione nel wealth management e in Italia in particolare? «I risultati di Capgemini confermano quanto emerso dalle survey che abbiamo condotto negli anni scorsi con EFMA (European Financial Management & Marketing Association) sui trend relativi alla digitalizzazione nel settore», risponde a MF-Milano Finanza Luigi Marciano, ceo e fondatore di Objectway, leader nel settore del Digital Wealth, Investment & Asset Management con un volume di affari di circa 75 milioni di euro. Dalle sedi in Italia, Uk, Belgio, Irlanda e Sud Africa, i 700 dipendenti di Objectway supportano circa 100 mila investitori professionali che hanno in gestione oltre 1.000 miliardi di euro. «Nel wealth la quarta rivoluzione industriale (AI, Internet of Things, Big Data) sta determinando, assieme a una rapida evoluzione della tecnologia, un altrettanto rapido cambiamento dei comportamenti degli investitori e richiede alle banche di ripensare la gestione della relazione con la clientela.
La nuova generazione di clienti vuole essere maggiormente coinvolta nelle decisioni di investimento e si aspetta una user experience paragonabile a quella che sperimenta in altri settori. Le banche dovranno confrontarsi con nuovi player (Amazon, Facebook, Google) che fanno della tecnologia e della user experience elementi centrali della loro offerta». In questo Objectway, abbinando le competenze finanziarie all’ innovazione tipica di una fintech, si pone come partner in grado di fornire alle istituzioni finanziarie molteplici funzionalità modulari per comporre soluzioni specifiche in base alle esigenze di business, consentendo loro di innovare «dall’ esterno» e di focalizzarsi sulle attività core. In gioco ci sono una serie di poste di grande valore. Senza procedere alla digital transformation il private banking rischia di perdere «la possibilità di attirare le nuove generazioni di investitori, che si aspettano una relazione anche fortemente basata su strumenti digitali di interazione e collaborazione con il proprio consulente o banker», conclude Marciano.
«L’obiettivo dovrebbe essere quello di attrarre e trattenere in organico professionalità di talento, che possano utilizzare al meglio le tecnologie a supporto della produttività, dell’ efficienza operativa e generare valore per il cliente, per fare la differenza in un mercato sempre più competitivo. Il processo è complesso poiché richiede il passaggio da una trasformazione digitale cost-driven a una value-driven. Customer journey, experience, onboarding, collaborazione in piena sicurezza, disponibilità delle informazioni in tempo reale e ovunque, tutto ciò può rappresentare oggi quel valore aggiunto per cui i clienti sono disposti a pagare un premium price».
L’obiettivo dovrebbe essere quello di attrarre e trattenere in organico professionalità di talento, che possano utilizzare al meglio le tecnologie a supporto della produttività, dell’ efficienza operativa e generare valore per il cliente, per fare la differenza in un mercato sempre più competitivo. Il processo è complesso poiché richiede il passaggio da una trasformazione digitale cost-driven a una value-driven. Customer journey, experience, onboarding, collaborazione in piena sicurezza, disponibilità delle informazioni in tempo reale e ovunque, tutto ciò può rappresentare oggi quel valore aggiunto per cui i clienti sono disposti a pagare un premium price.
[](https://www.linkedin.com/in/luigi-marciano-66b9538/)### Luigi Marciano
Founder & CEO, Objectway
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4 September 2026
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### [La trasformazione digitale nel Wealth Management](https://objectway.com/la-trasformazione-digitale-nel-wealth-management/)
**Published:** April 19, 2019
**Author:** Alessandro Rocco
**Excerpt:** Un'esperienza multicanale e all’insegna del digitale nel wealth management. Objectway ha presentato Conectus
**Content:**
# La trasformazione digitale nel Wealth Management
19 Aprile 2019 – Un’esperienza multicanale e all’insegna del digitale nel wealth management. Objectway ha presentato Conectus, la Digital Wealth Experience Platform dedicata a clienti e advisor.
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Oggi i wealth e investment manager devono rispondere a precise sfide del digitale: l’integrazione dei dati, l’empatia in una relazione che va sui canali digitali e anche la differenziazione degli investimenti ispirandosi alle best practice del settore.
Attraverso la piattaforma, Objectway può fornire agli advisor una copertura completa della catena del valore, con un accesso immediato a tutte le fonti informative, archiviate in sicurezza, e una interazione rapida con tutti gli applicativi presenti in questa architettura aperta e collaborativa.
I benefici per le aziende e gli advisor
Una combinazione, quindi, tra tecnologia ed expertise finanziaria. Che consente agli advisor di dedicarsi allo sviluppo delle opportunità e coltivare la relazione con la clientela, agli investor di avere un ruolo attivo e informato nel processo di consulenza e all’azienda di incrementare i profitti riducendo al contempo il cost-to-serve.
Le soluzioni: portafoglio Advisor & Cliente e collaborazione digitale
Sono diverse le realtà che hanno iniziato ad adottare Conectus di Objectway: Pershing UK, del Gruppo BNY Mellon, sta utilizzando la sezione relativa al portafoglio advisor & cliente e il modulo sulla collaborazione digitale su cloud e in white label, così da migliorare l’engagement tra gli investitori e le società clienti e permettere agli advisor di essere sempre operativi grazie anche a un portfolio management as-a-service. La gamma di servizi offerti si è dunque ampliata e ha permesso alla società di rafforzare le proprie relazioni. Inoltre, prossimamente la società introdurrà anche la consulenza ibrida.
Investimenti execution-only
La seconda case presentata da Objectway è relativa a un azionista privato, Treetop Asset Management, che si è rivolta alla società IT per migliorare la relazione con i clienti HNWI e aprirsi al segmento retail attraverso una soluzioni online e self-service. Raggiunti questi obiettivi, i prossimi passi riguarderanno l’onboarding delle persone fisiche attraverso app mobile e l’integrazione con un servizio di identificazione elettronica e di autenticazione e firma (eIDAS).
Contratti Digitali & Onboarding
Per una rete di consulenza italiana, inoltre, Objectway ha messo a disposizione Conectus per i contratti digitali e l’onboarding, così da ridurre i tempi di attesa e gli errori, lavorando in un contesto digitale nel pieno rispetto dei requisiti normativi e garantendo la disponibilità di documenti firmati in tempo reale. I risultati si sono già calcolati in soli 6 mesi: 25mila investitori digitali; 78% dei contratti totali sottoscritti in modo digitale; una riduzione dei sospesi dell’87% e la durata dell’intero processo ridotta da 5 giorni a 1 giorno.
Consulenza ibrida
Anche la banca irlandese KBC ha scelto Conectus per offrire servizi execution-only e una consulenza basata su obiettivi. A dicembre 2018, la banca ha quindi potuto fornire ai propri consulenti una piattaforma online dove elaborare proposte di investimento, completamente integrata nel portale e con le app già esistenti. E tra i prossimi passi c’è l’Investor Portal, ovvero una piattaforma disponibile ai clienti finali attraverso la quale ricevere consulenza sugli investimenti attraverso i dispositivi, firmare digitalmente, interrogare il proprio portafoglio ed eseguire operazioni execution-only.
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### [Clients are Too Important to be Delegated to Algorithms](https://objectway.com/clients-are-too-important-to-be-delegated-to-algorithms/)
**Published:** May 29, 2019
**Author:** leo aloi
**Excerpt:** Georgios Lekkas drives the implementation, integration and evolution of the company’s product offering to deliver an effective value proposition to the market
**Content:**
# Clients are Too Important to be Delegated to Algorithms
29th May 2019 – As Chief Product Officer, Georgios Lekkas drives the implementation, integration and evolution of the company’s product offering to deliver an effective value proposition to the market
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Objectway is a Top 100 global FinTech provider and a leader in the Wealth, Investment & Asset Management Software Industry that brings the positive effects of automation and data analytics.
TFT sat down with Lekkas to gain insight into the adoption of **Artificial Intelligence technology**. During the interview with The Fintech Times, **Georgios Lekkas, Chief Product Officer at Objectway** driving the implementation, integration and evolution of the company’s product offering to deliver an effective value proposition to the market, declared that right now the largest impact is in the middle and back office, where automation can speed operations and improve the quality of investment analysis and trade execution. There is less adoption in the front office, relations with clients are too important to be delegated to algorithms that are still at an early stage.
**TFT: How can areas most ready for Al disruptlon be ldentifled?**
**Georgios:** All areas exploiting information that is or can be digitalised, are potential targets of Al disruption.
**TFT: Where is Al going to make the greatest lmpactIn flnancial services?**
**Georgios:** Right now thelarget impact is in the middle and back office, where automation can speed operat ions and improve the quality of investment analysis and trade execution. There is less adoption in the front office, relations with clients are too important to be delegated to algorithms that are stili at an early stage.
**TFT: What are the greatest barrlers to wide-scale lmplementatlon of Al?**
**Georgios:** The first barrier is the availabilty of data, that must be collected and prepared. GDPR poses an additional difficulty in collecting persona! data. As an example,if we want to complete client profiles adding their preferences harvested from social media,we must teli clients about it and obtain each one’s approvai. Another implementation barrier is the availability of data science knowledge and skills.
**TFT: How can barrlers to lmplementatlon be overeome?**
**Georglos:** Barriers will be overcome through investments in technology and people, when the majority will see the successes of early adopters. Each firm adopts innovation at a different pace.
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---
### [Big Data, croce e delizia](https://objectway.com/big-data-croce-e-delizia/)
**Published:** June 29, 2019
**Author:** Alessandro Rocco
**Excerpt:** Gestire le informazioni sui clienti è sempre più strategico
**Content:**
# Big Data, croce e delizia
29 Giugno 2019 – Per la diffusione dell’AI su larga scala servono studi di etica, giurisprudenza e psicologia.
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Gestire le informazioni sui clienti è sempre più strategico.
Robotic Process Automation, Natural Language, sono termini ricorrenti ormai in ogni ambito nel quale si sia acceso linteresse per le funzionalità dell’intelligenza artificiale.
Il settore del private banking, wealth ed investment management in questo senso non fa eccezione. La maggior parte delle società operanti in questo business pianifica investimenti su queste tecnologie, anche se, secondo i dati più recenti ancora solo un’azienda su cinque ne ha già sperimentata qualche applicazione concreta.
Tutte le aree che sfruttano le informazioni che sono o possono essere digitalizzate sono potenzialmente interessate dall’impiego dell’intelligenza artificiale
[](https://www.objectway.com/)### Georgios Lekkas
Chief product officer, Objectway
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### [I pilastri della trasformazione digitale](https://objectway.com/i-pilastri-della-trasformazione-digitale/)
**Published:** September 30, 2019
**Author:** Alessandro Rocco
**Excerpt:** Collegare, semplificare e differenziare sono le tre linee guida per declinare soluzioni, prodotti e soprattutto l’approccio strategico di banche e assicurazioni
**Content:**
# I pilastri della trasformazione digitale
30 Settembre 2019 – Collegare, semplificare e differenziare sono le tre linee guida per declinare soluzioni, prodotti e soprattutto l’approccio strategico di banche e assicurazioni.
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Correlazione, semplificazione e differenziazione.
Sono i tre pilastri della strategia con cui le aziende finance devono lavorare sul front office per trasformare la user experience del cliente.
«Le attese dei clienti verso banche e assicurazioni – afferma Nicola Pepè, Product Manager di Objectway – sono ormai dettate da- gli standard creati dai player digitali, da Google a Uber. Collegare, semplificare e differenziare sono le tre linee guida per declinare soluzioni, prodotti e soprattutto l’approccio strategico di banche e assicurazioni».
Collegare
Il primo ambito riguarda direttamente il modo in cui oggi una quantità crescente di informazioni è collegata con i sistemi della banca. «Generare valore – spiega Pepè – non significa avere molti dati, ma saperli correlare, trasformandoli grazie ad algoritmi in informazioni che l’advisor può utilizzare nell’interazione con il cliente. Creando dei layer intermedi – attraverso architetture aperte e microservizi – per integrare i nuovi servizi con i sistemi, e salvaguardare gli investi- menti IT precedenti».
Semplificare
E qui entra in gioco il secondo elemento, la semplificazione, «che dovrebbe essere un sinonimo di digitalizzazione ma a volte non lo è – prosegue Pepè. Digitalizzare un processo non significa limitarsi a replicarlo in forma elettronica: così facendo, infatti, replicheremmo anche tutte le complessità. I processi vanno ridisegnati, facendo leva sul digitale per creare una user experience fluida. L’obiettivo della digitalizzazione non può essere solo ridurre i costi, ma deve puntare a migliorare la qualità del servizio e generare valore».
Differenziarsi
La tecnologia, in questo senso, potrebbe sembrare una commodity. Qualcosa che tutti i player, prima o dopo, dovranno adottare, ma va accuratamente selezionata quella giusta, poiché è essenziale per consenti- re il terzo tassello: la differenziazione.
«Chiariamo subito che la banca non deve allontanarsi dalla sua identità e dai valori propri dell’istituzione finanziaria – precisa Pepè – ma deve anzi usare la tecnologia per rafforzare il rapporto di fiducia con il cliente. Le giuste soluzioni offrono molte possibilità in questo senso: abbiamo realizzato, ad esempio, una soluzione di digital advisory per la creazione massiva di proposte di investimento ottimizzate e personalizzate tenendo conto delle caratteristiche di ogni cliente. L’ultimo miglio, la relazione con il cliente, resta al relationship manager, che dispone di proposte personalizzate a basso costo. Il valore per il cliente deriva dal potenziamento delle attività dell’advisor attraverso la tecnologia».
Creare valore
Nell’era digitale, le risorse più preziose per advisor, cliente e istituzione finanziaria sono intangibili: il tempo, la protezione degli investimenti e l’affidabilità del rapporto. «La digitalizzazione consente una relazione più fluida e un’interazione più rapida e in tempo reale con il cliente. Questo si traduce in un miglioramento della reattività alle evoluzioni del mercato per proteggere e incrementare il rendimento degli investimenti.
I canali digitali, specificamente pensati per gestire la relazione advisor-cliente, assicurano il costante rispetto delle normative e una maggiore sicurezza delle informazioni, e di conseguenza, garantiscono e accrescono l’affidabilità dell’istituzione finanziaria».
Generare valore non significa avere molti dati, ma saperli correlare, trasformandoli grazie ad algoritmi in informazioni che l’advisor può utilizzare nell’interazione con il cliente
[](https://www.objectway.com/)### Nicola Pepè
Product Manager, Objectway
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---
### [Il dato guida la consulenza](https://objectway.com/il-dato-guida-la-consulenza/)
**Published:** November 30, 2019
**Author:** Alessandro Rocco
**Content:**
# Il dato guida la consulenza
30 Novembre 2019 – Qualità del dato e relazione. Due elementi diversi ma strettamente connessi all’interno di un processo di consulenza che deve evolvere per fare fronte alle sfide di un mercato sempre più competitivo e strettamente normato.
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Il futuro è nell’intelligenza artificiale.
Qualità del dato e relazione. Due elementi diversi ma strettamente connessi all’interno di un processo di consulenza che deve evolvere per fare fronte alle sfide di un mercato sempre più competitivo e stretta- mente normato. «Abbiamo sviluppato strumenti innovativi capaci di ridurre le attività di routine dei banker – premette Michele Tanzi, Client Solution Director di Objectway – così da concentrarsi maggiormente sui servizi a valore aggiunto e aumentare la qualità sia del lavoro sia della gestione della relazione: capisaldi del private e wealth management».
Machine learning e data analysis
Objectway ha creato infatti per questo segmento di business una soluzione che pone il dato al centro e supporta banker e uffici centrali nei processi di consulenza. «È un motore di ottimizzazione – precisa Tanzi – che elabora anche in modalità massiva proposte di investimento adeguate ma personalizzabili, basato su strumenti di data quality che assicurano uniformità dei dati nel continuo».
Dal dato alla relazione
Tutto il processo di consulenza può essere quindi supportato dalla tecnologia. «La nostra piattaforma è end-to-end: parte dalla elaborazione di portafogli modello, passando da strumenti che supportano gli uffici centrali e gli advisor, fino ad arrivare al cliente con strumenti di web collaboration che consentono di impostare la consulenza sui bi- sogni della clientela, a prescindere dai tempi, dal luogo e dal device – aggiunge Tanzi. Inoltre, lavoriamo sui differenti pillar della consulenza, fornendo un’assistenza completa su investimenti, protection planning, real estate e, a breve, anche sulla consulenza successoria: tema sempre più centrale per i banker».
Il futuro è nell’intelligenza artificiale
La tecnologia è e sarà un abilitato- re dell’attività dei banker, capace di efficientare le attività di routine e di migliorare la capacità di calco- lo. «Ma non potrà mai sostituire la relazione, in quanto solo il banker è in grado di gestire l’emotività del cliente – sottolinea Tanzi. Fatta questa premessa, la tecnologia si deve concentrare su strumenti di supporto che suggeriscono al banker qual è l’azione migliore da intraprendere. Nel futuro, ci sarà quindi un uso sempre maggiore di tecnologie quali l’intelligenza artificiale e il machine learning, consentendo di personalizzare la risposta alle necessità della clientela e semplificando tutto l’iter consulenziale. E questo deve essere uno sprone per quegli istituti che oggi non hanno ancora intrapreso un lavoro di valorizzazione del loro enorme bacino di dati. Perché oggi il time- to-market è fondamentale per riuscire a competere al meglio sul mercato».
La qualità del dato è dunque centrale e garantisce, in modo tangibile, anche una migliore gestione della relazione con il cliente: avere dati sempre monitorati e aggiornati, grazie a big data e tecnologie connesse di data analysis, infatti, elimina una serie di problematiche sulla non omogeneità delle informazioni relative alla clientela, che può limitare l’attività dei banker. I risultati sono un migliore operation rate, semplicità e maggiore efficienza.
[](https://www.objectway.com/)### Michele Tanzi
Client solution director, Objectway
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---
### [Robotic Process Automation, un vantaggio competitivo pronto all’uso](https://objectway.com/robotic-process-automation-un-vantaggio-competitivo-pronto-alluso/)
**Published:** March 18, 2020
**Author:** Alessandro Rocco
**Excerpt:** Per competere con successo le aziende di ogni settore hanno bisogno di migliorare costantemente la loro produttività. In questa corsa inarrestabile, la tecnologia gioca un ruolo fondamentale.
**Content:**
# Robotic Process Automation, un vantaggio competitivo pronto all’uso
18 Marzo 2020 – Per competere con successo le aziende di ogni settore hanno bisogno di migliorare costantemente la loro produttività.
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In questa corsa inarrestabile, la tecnologia gioca un ruolo fondamentale.
Nel 2020 le tecnologie più attuali per l’automazione dei processi aziendali sono tre: **il Workflow**, tecnologia ormai familiare adottata a partire dagli anni ‘90; **l’Intelligenza Artificiale** di cui tutti parlano; e **la Robotic Process Automation (RPA)**, una tecnologia meno nota ma con un potenziale straordinario, già utilizzata da Objectway nell’ambito delle soluzioni tecnologiche e dei servizi per la finanza.
La tecnologia RPA
Un operatore impegnato nei processi di back office svolge tipicamente diversi compiti di carattere ripetitivo: riconciliazioni di fine giornata, stampe di report a fine mese, controlli incrociati di dati su schermate e documentazione cartacea.
La RPA è un tipo di software recente, che imita le attività di un operatore all’interno di un processo aziendale. Il software RPA genera “robot” in grado di eseguire gli stessi compiti ripetitivi con maggiore velocità e precisione, dato che non può stancarsi né annoiarsi. Ogni robot “fa” e “vede”: compila form sul Web, interagisce con applicazioni ERP, legge documenti PDF. Pensate alla potenza delle macro Excel moltiplicata per 100.
Il risultato è che la RPA riesce a “togliere il robot dall’essere umano”, lasciando alle persone il tempo di affrontare problemi più complessi per i quali serve ragionamento, capacità critica e intelligenza emotiva.
Le potenzialità
Secondo una ricerca del McKinsey Global Institute, è già possibile automatizzare più del 30% dei compiti svolti nel 60% dei lavori nei diversi settori di business.
Al contrario dell’Intelligenza Artificiale, la tecnologia RPA è matura e pronta all’uso.
Il motivo del suo successo è l’occuparsi solo di compiti semplici che si possono codificare in regole, senza necessità di conoscenze estese o comprensione avanzata.
Il ritorno degli investimenti è molto elevato e secondo McKinsey può variare dal 30% al 200%. Questo è confermato dall’esperienza di Objectway, il cui primo progetto RPA nel Business Process Outsourcing di Wealth Services ha avuto un ROI del 100% in 24 mesi e ha permesso di valorizzare diverse persone affidando loro compiti a maggior valore aggiunto.
Oltre ai benefici economici, ci sono anche quelli qualitativi. Le persone possono dedicare maggior tempo alla gestione di questioni complesse, migliorando così il livello di servizio delle Operations.
L’adozione
Nell’esperienza di Objectway coi propri clienti, l’introduzione della tecnologia RPA nel Back Office delle istituzioni finanziarie non incontra resistenza, anzi viene spesso accolta con entusiasmo perché solleva le persone dai compiti ripetitivi e meccanici.
Nella fase di adozione, vanno identificati i punti critici e i processi da automatizzare. In questa fase, Objectway affianca le istituzioni finanziarie con la propria competenza tecnologica e la conoscenza approfondita del business finanziario per prendere le giuste decisioni e intervenire solo dove necessario.
A volte, infatti, è meglio ripensare un processo in modo più efficiente piuttosto che automatizzarlo. I processi da automatizzare devono essere idealmente stabili, con alti volumi e codificabili in regole.
Se applicata in larga scala, l’RPA crea una forza lavoro virtuale che dovrà essere sostenuta da appropriati investimenti economici e in capitale umano. Le attività di sviluppo e gestione dei robot devono essere pianificate e concertate in tutta l’azienda con la dovuta accortezza e nel rispetto della complessità tecnologica.
Se si presta la dovuta attenzione agli aspetti organizzativi e tecnologici, si potranno cogliere benefici e ritorni sugli investimenti importanti. La testimonianza di Objectway, che ha adottato l’RPA nella propria offerta di software di Back Office e di servizi di Business Process Outsourcing per gli operatori finanziari, ne è l’ulteriore conferma.
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### [Outsourcing: a means to a digital end](https://objectway.com/outsourcing-a-means-to-a-digital-end/)
**Published:** March 31, 2020
**Author:** leo aloi
**Excerpt:** Wealth managers clearly have much to gain from outsourcing non-core functions; however, regulatory concerns suggest that – in some cases, at least – the process needs to be handled with greater care and attention.
**Content:**
# Outsourcing: a means to a digital end
31st March 2020 – Outsourcing trends have been analysed across a number of wealth management reports over the last 12 months or so.
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Wealth managers clearly have much to gain from outsourcing non-core functions; however, regulatory concerns suggest that – in some cases, at least – the process needs to be handled with greater care and attention.
Outsourcing trends have been analysed across a number of wealth management reports over the last 12 months or so.
For example, a study released by Fidelity Clearing & Custody Solutions in February 2019 reported that 43% of advisory firms were leveraging external consultants, third- party providers or individual specialists for select business functions.
The most commonly stated objective of these engagements was to create more value for clients, as advisors felt that successful outsourcing of functions such as investment management and legal and compliance allowed them to focus on deepening their client relationships.
The Fidelity study suggested that advisors that outsourced two or more of the top three outsourced functions were more likely to experience higher AuM and client growth, manage a greater volume of assets and pay their employees more.
[The Compeer/Objectway report, The Wealth Management Firm of 2025,](https://objectway.com/objectway-releases-joint-report-with-compeer-the-wealth-management-firm-of-2025/) found that the majority of large firms would outsource their back office functions if they were starting again, but faced considerable challenges in replacing existing systems, including technology costs and HR issues arising from making large numbers of people redundant.
It noted that for smaller firms, the transition could be quicker and that outsourcing gave these firms access to much larger research and development teams, providing technologies they would be unable to develop and build in house.
Technology is a major factor in any outsourcing decision, according to Nucoro. The fintech published research last September suggesting that more one in five retail investors had stopped using a wealth management service because its digital offering was too weak.
The company said it expected more wealth managers to outsource this part of their proposition to specialist third parties to allow them to focus on their core proposition.
Gilly Green managing partner for wealth management and private banking at Sionic says there has been a growing trend towards outsourcing in UK over the last 10 years from a market largely limited to smaller firms and start-ups to an acceptance of outsourcing as a viable option for managers of all sizes. One of the key drivers for this trend has been the need to upgrade legacy systems. “Firms with old systems that have become bespoke or out of sync with the latest version on the market have come under significant pressure,” she says. “The need to update legacy core systems to keep up with regulation, be scalable and provide a solid source of data for digital and advanced technology solutions has driven this trend.”
According to Green, many wealth management firms are blinded by the peripheral technology on offer rather than focusing on issues such as the supplier’s cultural match, strategic fit, depth of knowledge in the team, and ability to deliver in the timescales they need.
“There are many firms that dive into a supplier-selection process without setting out their own vision, the principles under which they want to operate, or what growth opportunities they may explore in the future,” she continues. “It is vitally important to consider these factors before contacting any supplier.”
Expanded Opportunities
The significant growth of low-cost location resourcing options has expanded the opportunities for a wider range of functions and services, particularly in software engineering.
David Noyce, head of offshore software engineering at Opus Una Financial Services Consulting, adds that high-quality and broad service coverage are more readily available, and advances in communication tools allow seamless and transparent operations across borders and time zones.
However, he also acknowledges that wealth managers need to ensure there is no negative impact on processing error rates or customer experience through use of a third party. “Other risk factors include increased difficulties for firms to keep the necessary level of oversight and ownership over their core data and customer interactions and the knock-on risk of potential compliance breaches,” adds Noyce.
Over-dependency on third parties is also a possibility. Without the right control framework and ongoing review and benchmarking, a firm can become unable to operate without a particular provider, exposing it to high levels of vendor risk.
In addition to cost considerations, another factor working in favour of outsourcing is that the labour market for wealth management has been tight in recent years, and it can be difficult for firms to find the talent they are looking for – especially if they are located in a place where the local talent pool is limited, says Stephen Van de Wetering, CEO at data management business Empaxis.
“In that scenario, outsourcing makes sense,” he continues. “Hiring a remote workforce has become much easier, and the reality is that work does not always come in neat, eight- hour increments. The other factor to consider is access to talent. Not everyone is an expert in portfolio accounting, for instance, so it might be better to hire a team of specialists in that area rather than waste time and resources struggling with this function.”
A September 2019 PwC report on internal audit planning for wealth management firms observes that firms are outsourcing critical functions to a concentrated set of vendors, which are often unregulated. This is one of the reasons why outsourcing is exercising the minds of regulators, particularly in relation to how it impacts the operational resilience of wealth management firms.
Regulatory Moves
The FCA is conducting a consultation on enhanced requirements for outsourcing and operational resilience, submissions for which close on 3 April. In addition, the EBA’s guidelines on outsourcing for investment firms subject to the EU Capital Requirement Directive came into effect on 30 September 2019 for outsourcing arrangements started, reviewed or amended on or after that date. The EBA has implemented transitional arrangements covering cooperation agreements extending up to 2021, a register of outsourcing and a review of existing “critical or important” outsourcing arrangements entered into before 30 September 2019. The PwC report authors suggest that while board-level executives are increasingly focusing on outsourcing practices, in most cases this has not translated into clear accountability which often results in no one having a holistic overview of whom the firm is doing business with, and the associated risks. Most of the experts PBI spoke to rejected the suggestion that regulation has made outsourcing more challenging though. Clive Stelfox, director at Multrees Investor Services, reckons it makes a compelling case for outsourcing non-core functions.
“Outsourcing firms can provide specialist knowledge – whether that is in operations, execution, technology or compliance – and have the capacity and capability to deliver regulatory change that a wealth firm may be doing off the side of the desk,” he says.
The need for greater compliance has been a catalyst for the growth in outsourced models, which can deliver far better compliance at much lower cost since in an outsourced model, firms are able to share some costs for all hosted clients.
That is the view of Paco Hauser, global head of markets at Avaloq, who suggests that the main risk factor is the transformation from an old target operating model to a new one.
“The new model needs to be defined in very close collaboration between the client and the service provider,” he adds. “Adhering to standards is very important, and sets the foundation for remaining cost efficient. A profound level of work, with experience built up over decades, goes into eliminating risks and making the transformation work seamlessly.”
Van de Wetering is a little more circumspect, suggesting that regulation has required more due diligence on the part of the wealth manager when it comes to the vendor- selection process.
“The SEC and other regulatory bodies expect firms to do more due diligence when choosing third-party vendors, so we see more firms asking about SSAE \[an auditing standard for service organisations audit reports and disaster recovery\],” he says.
A udit and transparency
It is in the outsourcing provider’s best interests to be audited and fully transparent if they want to win business from wealth managers that have strict compliance requirements.
According to Luke McCabe, group executive and head of global wealth at FIS, the argument for wealth managers to outsource to a single provider that can provide both custody and full back office outsourcing has become increasingly compelling. Many wealth managers are therefore choosing to outsource not just operations, but the whole custody model.
“Wealth managers often fear that they will lose control and visibility and that mistakes made by their outsourcing partners will create customer service issues or worse still, regulatory fines or sanctions,” he says. “But the truth is that a good outsourcer will give a wealth manager more control than if all operations were managed in house.”
At a contractual level, a comprehensive set of key performance indicators backed up by an enforceable service level agreement will enable managers to impose penalties for missed standards. It is also advisable to establish a strong governance model at the outset of a partnership with an outsourcer to ensure that there are clear channels for communication and ways to address issues.
Most outsourcers will have proven operational capabilities and a competitive cost model otherwise they wouldn’t be in business. According to McCabe, a savvy wealth manager will look beyond the functional dataset and consider three key factors: proven operational resilience, cultural fit and long- term planning.
It is the responsibility of the wealth manager to select the right combination of systems, services, people and processes in order to meet its regulatory obligations. It must, therefore, ensure that it has robust and reliable mechanisms to monitor ongoing service provision and make changes as and when necessary.
Using the service provider’s standard approach will reduce the risk of service failure and help to control costs suggests Peter Bambrough, management consultant at Citisoft.
“Don’t expect a customised, bespoke service at wholesale or ‘off the peg’ prices,” he cautions. “If the service provider is not making a profit, then it is not in their interests to continue to develop, deliver and market that service to increase their client base,” he says.
When selecting an outsourced service provider, Bambrough recommends asking the following questions:
- Does the service exist now? Can you see it in action and get references from existing users, or are you being used to help develop a new service?
- How will the service evolve? Regulatory and business requirements are ever- changing, so service providers need to be constantly enhancing their systems and services, and
- How does the wealth manager move onto the outsourced service? The service provider should ideally have a well- documented, proven approach to this.
When businesses grow, the outsourcing of non-core functions can enable firms to attain greater scale, flexibility and speed to market. But Objectway CEO Alberto Cuccu acknowledges that outsourcing ecosystems may run the risk of creating “shadow operations” or resources dedicated to duplicating or checking the work of outsourced partners.
“Wealth managers can mitigate this risk by avoiding vendor lock-in and anticipating whether they will build or buy technology at early points in their growth strategy,” he says.
They should also ensure that they retain sufficient oversight, and that their outsourcing partner gives them full transparency across all systems and controls. A sensible approach would be to work only with well-capitalised, independent counterparties that have invested heavily in technology and security, and have specific experience in the wealth management business as well as in managing outsourcing partnerships.
Tech and Innovation
Managers should also choose a provider that already has the technology and the ability to invest in technological innovation and can provide regular software updates.
It is vital for wealth managers to invest time in a good outsourcing relationship, owned
by someone suitability senior within the firm who has the resources and capacity to make the relationship work.
“It comes back to avoiding a ‘one size fits all’ approach,” concludes Stelfox. “An outsource firm is there to look after a wealth management business, and shouldn’t disrupt it or expect it to compromise, for example, by curtailing its asset universe or enforcing unreasonable timescales.”
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### [KBC mise sur un «robo-advisor» pour attirer les investisseurs](https://objectway.com/kbc-mise-sur-un-robo-advisor-pour-attirer-les-investisseurs/)
**Published:** September 18, 2020
**Author:** Alessandro Rocco
**Excerpt:** The Belgian bank, in collaboration with Objectway, has created a digital automated platform, easy to use, that allows customers to control their investments
**Content:**
# KBC mise sur un «robo-advisor» pour attirer les investisseurs
18 Septembre 2020 – La banque belge, en collaboration avec Objectway, a créé une plate-forme digitale automatisée simple à utiliser et qui laisse aux clients la maîtrise de leurs placements.
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Le renouveau, c’est ce que connaissent actuellement les robo-advisors après quelques tâtonnements. Les banques elles-mêmes ont compris l’intérêt de proposer un service automa- tisé à leurs clients, à l’instar de KBC qui a lancé Matti en début d’année.
Défini comme un « assistant intelli- gent en investissement numérique », Matti est accessible via Bolero, la plate-forme de courtage en ligne de la banque, créée en 1999. Il s’agit d’une offre permettant aux inves- tisseurs particuliers de constituer un por- tefeuille à base d’ETF (une cinquantaine d’exchange-traded funds au départ, davantage depuis) en fonction de leur profil, de leurs objectifs de perfor- mance, de leurs horizons de placement et de leurs préférences personnelles.
«Les clients ciblés sont en priorité ceux qui recherchent la performance de leurs placements mais qui ont aussi peur de se tromper et ont besoin d’être rassurés, indique Sarah de Pauw, directrice marketing de KBC Bolero. Avec Matti, ils peuvent saisir leurs préférences et conserver la maîtrise des opérations jusqu’au bout : là où d’autres ‘robo-advisors’ rééquilibrent les portefeuilles automatiquement, nous avons choisi de laisser le client décider s’il souhaite mettre en œuvre les recommandations ou non.
L’autre profil d’investisseurs intéressés par ce service est celui de personnes tout à fait autonomes dans la gestion de leurs investissements mais qui n’ont pas assez de temps à y consacrer et qui ne peuvent donc pas suivre les marchés quotidiennement. » Matti répond à tous ces besoins : l’interface totalement digitale et sans intervention humaine est simple à comprendre et à utiliser. Il suffit de 10 minutes et de trois étapes pour ouvrir un compte, le question- naire de profil dure une quinzaine de minutes. Diverses préférences sont proposées : thé- matiques, comme la santé, le développe- ment durable, l’égalité des sexes, les petites capitalisations ; géo- graphiques, avec l’Al- lemagne, le Japon, la France, l’Europe, les Etats-Unis, la Chine ou les pays émergents ; sectorielles, avec les technologies, l’énergie, les biens de consommation, l’industrie…
Suivi Quotidien
Le ticket d’entrée est fixé à 1.000 euros et les 2.000 clients qui ont déjà souscrit y ont placé en moyenne 5.000 euros. La tari- fication est de 1 % par an, auquel s’ajoute la TVA. L’offre est propo- sée aux investisseurs clients ou non de KBC, y compris aux clients de la banque privée. Depuis le mois de juin, il est possible d’ouvrir plu- sieurs portefeuilles avec des objec- tifs et des profils de risques diffé- rents (retraite, projet à plus court terme, autre thématique…).
L’algorithme de Matti a été conçu par l’équipe data de KBC, avec 9 portefeuilles types. Les dévelop- pements informatiques ont été réa- lisés avec Objectway, un éditeur de logiciels italien qui compte 30 ans d’expérience au service de plus de 200 clients, constitués de gérants d’actifs et des conseillers en gestion de patrimoine.
Avec Objectway, KBC a pu travail- ler au développement de Matti, de l’in- terface client, qui doit être conforme à MIF 2 jusqu’au moteur de calcul qui intègre de nombreuses sources de données et propose des allocations en fonction des informations saisies par le client. Sans oublier le suivi quoti- dien des portefeuilles : c’est l’un des points forts de Matti. Chaque jour, le moteur de calcul réévalue le risque et la volatilité des portefeuilles des clients et détecte les écarts par rapport à leur profil. Si ces écarts sont trop impor- tants, Matti envoie une alerte avec des recommandations pour rétablir un risque qui lui soit adapté. C’est le client qui décide de valider ou non les actions recommandées : s’il le fait, elles sont exécutées automatiquement. Matti pourrait proposer d’autres actifs que des ETF à l’avenir. KBC espère attirer 10.000 à 15.000 clients dès la première année.
Nous accompagnons le secteur de la gestion dans sa transition digitale avec notre suite logicielle ‘front-to-back’ utilisant l’intelligence artificielle et des API (interfaces de programmation) pour permettre une intégration fluide. Et nous nous focalisons sur l’interface client qui doit être robuste et intuitive pour donner confiance aux investisseurs.
[](https://www.linkedin.com/in/kurtvanhee/)### Kurt Vanhee
Managing Director Continental Europe & North America, Objectway
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8 September 2026
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### [Generate "Digital Alpha" performance](https://objectway.com/generate-digital-alpha-performance/)
**Published:** October 8, 2020
**Author:** Lorenzo Noventa
**Excerpt:** Generating value through a high-touch, digitally integrated investment experience is key for wealth management to generate digital alpha in a changeable market
**Content:**
# Generate “Digital Alpha” performance
8th October 2020 – Generating value through a high-touch, digitally integrated investment experience is key for wealth management to generate alpha in a changeable market.
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Objectway can provide digital solutions for companies looking to pivot into the ‘new normal’.
Hstorically, the wealth management industry has been focused on generating alpha to demonstrate to investors that each organisation’s investment strategies were able to generate better returns than their competitors. From Objectways’s discussions with the major players in the market, it is seeing a shift in investors’ decision-making processes. Investors are more informed and aware that generating a positive alpha is no longer easy. Driven by the digital disruption, and by generational and behavioural changes, investors have become more demanding, more discerning and less loyal to their wealth management companies.
So, what will make the difference in investor acquisition and retention? The overall investment experience has to be personalised and engaging so that clients feel that their needs are served properly. Organisations trying to achieve organic growth by offering a superior performance to their clients should be examining big data, AI or augmented intelligence algorithms and digital channels to assist in the generation of additional value and growth.
To deliver digital alpha, companies need to combine a range of factors to generate value for customers. The crucial ingredient is to have strong investments strategies supported by AI-driven engines. These are ‘intelligent investment strategies’ because they can leverage tools and capabilities such as:
- semantic analytics applied to market sentiment analysis. These tools will objectively scan market and stocks news to predict market sentiment.
- AI-driven portfolio optimisation algorithms embedded in the investment journey, generating algorithm-optimised suitable investment proposals, personalised to the investors’ personal requirements.
- AI-driven compliance to ensure that all proposals produced are suitable, and to implement ongoing monitoring.
The other key element is a high-performing front office. The most expensive staff in the organisation, front office generates the company’s revenue. To retain these resources, and clients, it is essential that they are equipped with the tools to enable them to be efficient. This means managing more clients and, at the same time, making the client experience more engaging and hence increasing loyalty.
This is one area where digital channels enablement can add value by providing the front office with tools to work ‘anytime, anywhere’, and, for example, allow them to capture a client’s goals and simulate an optimised portfolio on-the-fly in a client meeting, thereby demonstrating flexibility and responsiveness.
Gain value
AI can extend this further by using social analytics, news aggregation and semantic analysis to help present news and investments that are personally relevant to the client, even taking into account life events. By adopting these tools, a ‘digital plus’adviser will become empowered in the eyes of clients by delivering a proposal tailored to their needs.
This hybrid approach, where face-to-face is augmented by AI algorithms and digital interactions, delivers a stronger proposition. By generating value throughout the investment experience, companies can also secure their customers’ relationship.
If digital enablement can generate additional alpha, it can also reduce beta: meaning it can reduce the volatility in the customer base.
As ascertained in practical implementations of this high-touch, digitally integrated investment experience at clients, advisers have doubled the number of managed clients per head, reduced advisory time from hours to minutes, offered better- quality of service and higher portfolio returns, while retaining real-time compliance monitoring.
## Related
[All](#)[\#compeer](#)[\#customerexperience](#)[\#financialservices](#)[\#markettrends](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
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[Studie: Veraltete Technologie bremst Wachstum bei Instituten](https://objectway.com/studie-veraltete-technologie-bremst-wachstum-bei-instituten/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Studie: Veraltete Technologie bremst Wachstum bei Instituten
4 September 2026
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### [Il consulente “digital plus”](https://objectway.com/il-consulente-digital-plus/)
**Published:** October 15, 2020
**Author:** Lorenzo Noventa
**Excerpt:** Con il covid-19, Il digital engagement dei clienti è aumentato di 7-10 volte. Sono necessari nuovi modelli di consulenza per favorire la crescita del business
**Content:**
# Il consulente “digital plus”
15 Ottobre 2020 – È fondamentale adottare nuovi modelli di servizio e sfruttare tutte le opportunità offerte dalla tecnologia per mantenere la produttività, consolidare la presenza sul mercato e rimanere connessi con i clienti.
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La pandemia ha messo alla prova la resilienza del settore finanziario. È fondamentale adottare nuovi modelli di servizio e sfruttare tutte le opportunità offerte dalla tecnologia per mantenere la produttività, consolidare la presenza sul mercato e rimanere connessi con i clienti.
Con la pandemia, **l’engagement digitale** dei clienti è aumentato di 7-10 volte (dati, Oliver Wyman e Morgan Stanley “After the storm”) tra i principali operatori del settore. Di conseguenza è imprescindibile implementare nuovi modelli di consulenza, accelerando l’utilizzo del digitale per mantenere la competitività e favorire la crescita.
In Objectway abbiamo sempre creduto nella necessità di abilitare i gestori della relazione a interagire e collaborare con i loro clienti tramite una piattaforma che offra una gestione digitale completa dell’intero Client Lifecycle Management.
Una nuova collaborazione…
Per supportare l’attività di banker e advisor da remoto mettiamo a disposizione strumenti avanzati di collabo- razione digitale in tempo reale e multicanale, una dashboard dedicata che consente una visione olistica del patrimonio dei propri clienti per proporre soluzioni di investimento tempestive e mirate, e un processo automatizzato di digital transaction management e onboarding che permette di gestire tutta la documentazione contrattuale in maniera digitale.
… per un consulente più che digitale
La tecnologia è uno strumento essenziale al servizio del consulente, che rimane la figura centrale sulle cui esigenze modelliamo le nostre soluzioni. Il valore delle nostre software suite è abilitare quello che chiamiamo un consulente “digital plus”. A questo si aggiungono le nostre soluzioni per la personalizza- zione massiva delle proposte di investimento e per la gestione delle campagne prodotto, supportate dal solido approccio metodologico che abbiamo adottato, basato sugli algoritmi più utilizzati sul mercato.
Il processo di investimento…
La gestione della relazione consulente-cliente da remoto va affiancata alla digitalizzazione di tutto il processo di investimento, se si vuole realizzare una completa trasformazione digita- le dell’intero Client Lifecycle Management. A questo scopo mettiamo a disposizione la nostra soluzione di Digital Transaction Management e Onboarding, che permette la profilazione e la raccolta di informazioni sulla clientela ai fini KYC e l’esecuzione automatizzata di tutti i controlli di conformità necessari.
… è un workflow totalmente digitale
La gestione dell’intero workflow di produzione della documentazione contrattuale avviene in maniera completamente digitale, così come la sua condivisione col cliente in sicurezza e l’archiviazione a norma. La modulistica viene siglata con firma elettronica qualificata eIDAS compliant, disponibile tramite applicazione web e mobile app. La digitalizzazione e automatizzazione del processo di investimento incrementa la produttività, riducendo le attività manuali e i tempi di esecuzione, azzera gli errori tipici dell’iter cartaceo e assicura scalabilità ed efficienza sui grandi volumi.
Il “virtual environment” che mettiamo a disposizione dell’advisor e del banker abilita un servizio di digital investment advisory high-touch. Si tratta di un approccio consulenziale che tiene in considerazione gli obiettivi finanziari e le caratteristiche dell’investitore e può simulare diversi scenari di investimento.
[](https://www.linkedin.com/in/michele-tanzi-39b18410/)### Michele Tanzi
Market Solution Directr, Objectway
## Related
[All](#)[\#compeer](#)[\#customerexperience](#)[\#financialservices](#)[\#markettrends](#)
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8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
[Studie: Veraltete Technologie bremst Wachstum bei Instituten](https://objectway.com/studie-veraltete-technologie-bremst-wachstum-bei-instituten/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Studie: Veraltete Technologie bremst Wachstum bei Instituten
4 September 2026
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### [Fill The Digital Gap To Thrive In The “New Normal”](https://objectway.com/fill-the-digital-gap-to-thrive-in-the-new-normal/)
**Published:** November 13, 2020
**Author:** Alessandro Rocco
**Excerpt:** A digitally enabled Client Lifecycle Management is not an option anymore, but needs to be considered as a mandatory capability and the new regular practice
**Content:**
# Fill The Digital Gap To Thrive In The “New Normal”
13th November 2020 – A digitally enabled Client Lifecycle Management is not an option anymore, but needs to be considered as a mandatory capability and the new regular practice.
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The Covid-19 pandemic has put the financial sector’s resilience to the test, throwing firms and their clients into a complex scenario ruled by uncertainty.
In particular, the impact generated by Covid-19 social distancing measures has shown and further accentuated the delay in digital transformation accumulated in the Wealth Management sector.
Wealth Managers have so far benefited from the growth in wealth of HNW and UHNW clients, which offset the decline in margins and compensated some inefficiencies in the operating models. Now, financial institutions must take action to prepare their business for growth in the “new normal” post-Covid environment.
According to the recent report “After the storm”, by Oliver Wyman and Morgan Stanley, digital engagement of customers among the main operators in the sector has increased by 7-10 times following the onset of the pandemic. As a result, the report emphasises that the implementation of new advisory models is essential, accelerating the use of digital to promote growth over the next 5 years.
We are entering a future where the pace of change is increasing and the need for innovation is amplifying and these trends are rapidly converging, becoming more vital than ever.
A digitally enabled Client Lifecycle Management is not an option anymore, but needs to be considered as a mandatory capability and the new regular practice.
There is a clear call for a re- definition and re-shaping of current practices introducing new onboarding and engagement approaches, to have customers more loyal and more open to new opportunities and business propositions.
Delivering wealth and asset management technology and services to more than 200 leading market players in four continents, we observed that the most frequent practices in Client Lifecycle Management show some gaps, such as insufficient adherence to structured planning and documentation of all interactions for analysis and next actions. Other gaps are the lack of capabilities for opti-channel communications; shortcomings in the design of an engaging customer experience, and an incomplete single view of all this.
Many firms struggle to structure improvements into an action plan, or to prioritise. For this reason, we have identified an integrated approach to this purpose. Firstly, wealth managers have to commit to a strategy of digital client engagement, document it and embed it into all plans and initiatives. To support a full client lifecycle management, they need to adopt a unified digital platform and a unique information architecture, with a common unified business data model.
This implementation would allow them to provide their relationship managers with an integrated platform consisting of dashboards and a 360° client view that automates information delivery and provides actionable insights, while designing a superior customer experience at each touchpoint and enabling real- time remote collaboration across all channels and devices. Lastly, this results in a fully paperless investment service for both prospect onboarding and customer servicing.
Customers who have already adopted this strategy have been able to leverage digital capabilities to provide a timely and highly personalised service, even in such a difficult time, dealing with today and preparing for tomorrow’s challenges.
Firms that are not preparing now will fail to meet the strong demand of change originated by the generational, behavioral and attitude shift among clients – and accelerated by the pandemic – and will lose market share. Our recently released report “Are you really engaging with your clients?” gives a deep view on how to fill digital gaps in client engagement and lifecycle management.
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[Studie: Veraltete Technologie bremst Wachstum bei Instituten](https://objectway.com/studie-veraltete-technologie-bremst-wachstum-bei-instituten/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Studie: Veraltete Technologie bremst Wachstum bei Instituten
4 September 2026
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### [Il Wealth Tech e i servizi tailor made](https://objectway.com/il-wealth-tech-e-i-servizi-tailor-made/)
**Published:** July 15, 2021
**Author:** Lorenzo Noventa
**Excerpt:** Oggi solo il 25% dei wealth e investment manager può fare affidamento sulle scienze comportamentali e sulla sentiment analysis per personalizzare l’esperienza della clientela
**Content:**
# Il Wealth Tech e i servizi tailor made
15 Luglio 2021 – Oggi solo il 25% dei wealth e investment manager può fare affidamento sulle scienze comportamentali e sulla sentiment analysis per personalizzare l’esperienza della clientela, ma la quota di chi vorrebbe poterle sfruttare è ben più alta e sale al 67%.
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Consulenza, il futuro è su misura
Il Sole 24 Ore racconta della nuova frontiera della consulenza, un’evoluzione nel Wealth Management a supporto degli investement manager. **Luigi Marciano, Ceo del gruppo Objectway**, analizza gli **[ultimi dati raccolti](https://objectway.com/download/)** da wealth & investment manager internazionali.
Oggi solo il 25% dei wealth e investment manager può fare affidamento sulle scienze comportamentali e sulla sentiment analysis per personalizzare l’esperienza della clientela, ma la quota di chi vorrebbe poterle sfruttare è ben più alta e sale al 67%. È quanto emerge dal report “Are you developing a hyper-personalised strategy?” di Objectway, che raccoglie i risultati di un sondaggio online sottoposto a wealth & investment manager nazionali ed esteri. Il 31% dei rispondenti – spiega Luigi Marciano, CEO del Gruppo Objectway – sta adottando una strategia di iper- personalizzazione per offrire proposte di investimento personalizzate. Il 37% vuole utilizzare i dati raccolti nei diversi punti di contatto con il cliente per la costruzione di portafogli ricorrendo all’intelligenza artificiale, all’analisi dei dati e al machine learning». I benefici potrebbero riflettersi anche sull’onboarding digitale, che oggi ha un tasso di conversione inferiore al 10%. Come spiega l’esperto, facendo appello alla gamification e, all’analisi comportamentale si arriva ad un profilo di rischio su misura, ben calibrato sulle esigenze dei clienti.
La conseguenza? Una profilazione più accurata, una consulenza più adeguata e maggiore fiducia da parte dei clienti. La capacità di iper-personalizzare consulenza e strategia di investimento attraverso il ricorso alle tecnologie è la leva capace di fare la differenza anche secondo EY. Nell’ultimo Global wealth management report si evidenzia il ruolo e l’utilità dell’innovazione nei propri processi di investimento: “il 73% dei clienti italiani – commenta Giovanni Andrea Incarnato, EY Italy W&A, Management leader – ritiene che gli strumenti digitali abbiano migliorato le proprie scelte”.
In quest’ottica, il ruolo della data strategy è definire un “singol point of truth” per avere informazioni univoche e certificate che garantiscano la rapida e corretta applicazione delle nuove tecnologie. Il salto qualitativo della relazione con il cliente è enorme, in termini di iper-personalizzazione dei servizi, dei canali e delle interazioni con il wealth manager. Il vasto patrimonio informativo a disposizione e le nuove tecnologie come gli advanced analytics e il machine learning sono la chiave di tale evoluzione». Tutto questo darà vita a nuovi modelli di business, con un posizionamento unico. «Come nuovi modelli di consulenza full- digital- aggiunge Incarnato – basati su interazioni conversazionali con intelligenza artificiale o alla copertura a 360° degli asset del cliente». Un punto di vista condiviso anche dal World wealth report 2021 Capgemini che evidenzia come la chiave del successo è il passaggio a un ecosistema aperto, con l’incontro tra gestori patrimoniali e realtà wealth-tech, capaci di migliorarne l’offerta in aree come il reporting, la regolamentazione, l’onboarding dei clienti e l’esecuzione degli investimenti.Insomma, grazie alla tecnologia le società possono offrire consulenza iper-personalizzata, rafforzando la relazione consulente-cliente.
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[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
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4 September 2026
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### [Tecnologia e dati di qualità per gestire il rischio negli investimenti](https://objectway.com/tecnologia-e-dati-di-qualita-per-gestire-il-rischio-negli-investimenti/)
**Published:** September 21, 2021
**Author:** Lorenzo Noventa
**Excerpt:** Un'analisi dinamica che indaga i rischi contenuti all'interno di un portafoglio di investimento sotto molteplici punti di vista: ecco la soluzione Objectway
**Content:**
# Tecnologia e dati di qualità per gestire il rischio negli investimenti
21 Settembre 2021 – Un’analisi dinamica che indaga i rischi contenuti all’interno di un portafoglio di investimento sotto molteplici punti di vista. E che va alimentata con dati di qualità e tecnologie all’avanguardia: ecco la soluzione di Objectway.
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Un’analisi dinamica, che indaga i rischi contenuti all’interno di un portafoglio di investimento sotto molteplici punti di vista. E che va alimentata con dati di qualità e tecnologie all’avanguardia: ecco la soluzione di Objectway.
La crisi dei mercati finanziari, legata all’emergenza pandemica da Coronavirus, e la persistenza di tali effetti sul mercato globale hanno rafforzato il trend di evoluzione della gestione del rischio degli investi- menti già in atto prima di questa crisi. «Se i primi momenti della crisi pandemica, a seguito dei picchi di rischio raggiunti da strumenti e portafogli (dipendenti anche dalle modellistiche prevalentemente utilizzate sul mercato, quali VaR, CVaR, Expected loss, etc.), hanno evidenziato la necessità di dotarsi di modelli e policy di rischio pensati per fornire risposte efficaci anche in momenti critici – afferma Michele Tanzi, Market Solution Director di Objectway –, il pe- riodo successivo ha rafforzato la necessità di una maggiore qualità ed eterogeneità delle misure di rischio, per comprendere meglio e appieno rischi (e potenzialità) dei portafogli di investimento».
Il vantaggio è nell’analisi dei dati
Objectway aveva già investito per supportare una metrica di rischio multi-variata e che consentisse di analizzare il portafoglio di investimento in maniera dinamica e sotto molteplici punti di vista: «ad esempio, analizzando anche il rischio di credito e di liquidità, oltre che attraverso indicatori di qualità del portafoglio proprietari – commenta Tanzi. Ma soprattutto, già prima della crisi originata dalla pandemia, eravamo in grado di analizzare enormi quantità di dati; e quindi di fornire in tempi ridotti l’analisi di migliaia di portafogli di investimento garantendo un monitoraggio efficace della gestione del rischio».
Dagli advanced analytics ai fattori ESG
Grazie a queste funzionalità, capaci di offrire un’analisi massiva e al contempo dettagliata dei portafogli, i clienti di Objectway hanno potuto basare le loro decisioni «su dati reali e consolidati, anziché basarsi su ipotesi o su un campione di dati poco significativo, anche in un momento di crisi eccezionale e imprevisto, con impatti a livello globale – osserva Tanzi. A tutto questo abbiamo aggiunto un set di Advanced Analytics e la capacità di analizzare i portafogli di investi- mento dal punto di vista dei fattori ESG, elemento che riteniamo oggi fondamentale per una corretta analisi degli investimenti: e stiamo già lavorando a una seconda release per estenderne le funzionalità».
Le evoluzioni in corso
Objectway è inoltre al lavoro sulla realizzazione di un sofisticato modulo di scenario e what-if analysis che andrà a potenziare le soluzioni di risk management a disposizione dei clienti.
Comparare la qualità nel tempo
La tecnologia si conferma quindi un elemento chiave. «La nostra soluzione di Risk Management è stata disegnata e implementata sulla base di tecnologie moderne che garantiscono efficienza, flessibilità e innovazione con un time to market molto contenuto – conclude Tanzi. In aggiunta, oggi la tecnologia ci consente di applicare proattivamente i controlli di data quality indispensabili per garantire la qualità dei nostri risultati, qualità consistente e comparabile nel tempo».
Molte delle prossime evoluzioni saranno basate su metodi di intelligenza artificiale e machine learning che si affiancheranno a quanto già disponibile e andranno a garantire ai nostri clienti una più ampia personalizzazione.
[](https://www.objectway.com/)### Michele Tanzi
Market Solution Director, Objectway Group
## Related
[All](#)[\#compeer](#)[\#customerexperience](#)[\#financialservices](#)[\#markettrends](#)
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[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
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7 September 2026
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4 September 2026
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### [How to recognise a true end-to-end risk-aware Investment Management solution?](https://objectway.com/how-to-recognise-a-true-end-to-end-risk-aware-investment-management-solution/)
**Published:** November 22, 2021
**Author:** Lorenzo Noventa
**Excerpt:** A total portfolio approach requires strong focus on the quality of risk analytics and an end-to-end risk-aware Investment Management solution.
**Content:**
# How to recognise a true end-to-end risk-aware Investment Management solution?
22 November 2021 – The ability to align, differentiate, and activate authentic alpha generation capabilities through be tter alignment bet ween ex-ante decisions and ex-post performance is critical, but there is a broad gamut of enhanced capabilities which investment firms can pursue.
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A total portfolio approach, where the ex-ante analysis of risk and sustainability are tested and validated by ex-post monitoring, requires both a strong focus on the quality of risk analytics and, more importantly, the ability to have an integrated portfolio and risk management solution supporting a risk-aware investment process.
The ability to align, differentiate, and activate authentic alpha generation capabilities through be tter alignment bet ween ex-ante decisions and ex-post performance is critical, but there is a broad gamut of enhanced capabilities which investment firms can pursue.
Through a total portfolio approach, Investment Managers can validate and verify their investment decisions against potential impacts and verify effects at any stage of the process.
This requires a robust and fully integrated process, supported by a proven approach to risk mitigation and, at the same time, able to provide clear and transparent reporting to clients on investment strategies and portfolio management decisions.
Portfolio and Risk Managers usually face challenges of disparate information systems, which create operational limitations that directly influence the returns they could generate. Organisations that proactively manage risk are more risk-aware and better at tailoring risk to get a higher return on their portfolios.
Finding a real integrated solution for Risk Management
But how to recognise a true End-to-End Risk-Aware Investment Management solution?
First, by a Risk Data Quality service able to take the Risk & ESG factors as input, and then perform a daily validation and revision of risk data to ensure that all calculated analytics are robust and reliable, managing exceptions and taking corrective actions.
Then, you need a Risk Engine that calculates risk analytics ensuring a comprehensive approach to identify the correct level of risk, together with specific client characteristics such as time horizon, cash flow and objectives.
Finally, with a Portfolio Management tool for asset allocation to build optimised, sustainable and suitable portfolios on risk factors, asset classes and securities selection, in line with risk profiles and target markets.
This way, investment proposals are personalised, tested against compliance rules, clients’ constraints, MIFID-II total cost of ownership in aggregated and analytic form.
A complete risk-aware investment process can also provide Investment Managers with real-time analytics on expected return and risk, what-if and stress testing scenarios.
Furthermore, risk contribution and correlation analysis empower Portfolio Managers to control the contribution of each holding to the overall risk. And a continuous monitoring of market risk and other portfolio factors, such as ESG analysis and exceptions workflows, allows proactive alerting on outliers and management of pre-trade and post-trade risk.
Selecting a functionally-rich risk engine
When selecting a risk engine, a performing solution should include a calculation engine to obtain ex-ante risk measures to analyse portfolio risks for Customer Relationship Managers, Portfolio and Risk Managers, to monitor single positions or portfolios as a whole, simulate the potential impact of different investment decisions and support portfolio risk calculations from a regulatory perspective.
A wide set of metrics allows users to define their own risk criteria according to their business model calculated on single assets, asset classes or the entire portfolio, providing information on potential losses, correlation among securities and dispersion measures, related to different risk categories, such as market, credit and liquidity risks.
Sustainability at the center of the investment strategy
According to a recent survey we conducted, client demand is the main driver of ESG integration in investment management firms. Indeed, although integrating ESG into a risk management framework across the client lifecycle is a challenge for them, an integrated ESG-ready solution increases the chance of delivering operational efficiency and empowering client engagement. Nowadays, investors expect a rich digital experience and to be able to see tailored ESG reports on the go, with information such as individual ESG scores as well as their carbon footprint and what impact their portfolio has had on the environment.
ESG is consequently a real differentiator for firms in terms of competitive advantage. A well-designed risk engine should then support the entire sustainable investment lifecycle, by capturing client ESG preferences, integrating multiple data sources to assign ESG score, calculating ESG analytics and ESG impact analysis on investments, simulating what-if scenarios, monitoring post trade ESG compliance rules whilst proactively alerting and reporting to clients their ESG investments.
Five pillars for a risk-aware, fully integrated investment process
When evaluating a solution to provide a solid approach to risk and portfolio management decisions, these are the fundamental aspects to take into consideration:
- It guarantees the data quality 24/7, ensuring that the resulting analytics are robust, reliable, validated and harmonized
- Performs a risk contribution and correlation analysis, to monitor the contribution of each portfolio linked to the overall risk
- Ensures that investment proposals are personalised and tested against compliance rules and clients’ constraints
- Aligns end-to-end processes between trading/investment, risk and product control Manages exceptions and takes corrective actions
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### [Objectway con Cassa Lombarda: la gestione dei servizi di investimento cross border](https://objectway.com/objectway-con-cassa-lombarda-la-gestione-dei-servizi-di-investimento-cross-border/)
**Published:** October 4, 2021
**Author:** Lorenzo Noventa
**Excerpt:** We Wealth propone un estratto della conferenza dal titolo “Innovazione nei servizi cross border per il Private Banking" tenuta da Objectway e Cassa Lombarda in occasione del Salone del Risparmio 2021
**Content:**
# Objectway con Cassa Lombarda: la gestione dei servizi di investimento cross border
4 October 2021 – We Wealth, Influencer magazine del Wealth Management, propone un estratto della conferenza dal titolo “Innovazione nei servizi cross border per il Private Banking” tenuta da Objectway e Cassa Lombarda in occasione del Salone del Risparmio 2021
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Fornire servizi di investimento cross border nell’ambito del private banking significa ampliare oltre confine il perimetro del modello di offerta e arricchire la customer value propisition, con un approccio olistico e ‘glocal’ che permette al cliente di avere un punto di accesso vicino e soluzioni competitive con caratteristiche internazionali, con significativi benefici di diversificazione del rischio paese.
Un progetto complesso, che richiede esperienza e competenze che uniscono tematiche regolamentari, fiscali, operative, tecnologiche e di mercato.
We Wealth, Influencer magazine del Wealth Management, propone un estratto della conferenza dal titolo **“Innovazione nei servizi cross border per il Private Banking”** tenuta da Objectway e Cassa Lombarda in occasione del Salone del Risparmio 2021.
Cross border è approccio olistico
“In linea con il nostro obiettivo di promuovere costantemente l’innovazione delle istituzioni finanziarie tramite software e servizi,” esordisce Gianbattista Geroldi, Amministratore Delegato Italia di Objectway, “abbiamo supportato Cassa Lombarda in tutte le fasi di questa iniziativa volta ad ampliare il loro modello di business, mettendo a fattor comune una rilevante esperienza internazionale, fondamentale in un progetto cross-border”. Nasce da qui la collaborazione tra Objectway, consolidato player paneuropeo, e Cassa Lombarda, boutique del private banking.
“Per il nostro Gruppo, la ricerca di soluzioni innovative aderenti con le disposizioni regolamentari locali, in grado di portare valore aggiunto alla clientela è stato il fil rouge che ci ha guidato. E con esso la ricerca di un partner che fosse capace di fare proprio questo spirito e supportarci nelle attività di sviluppo”, sottolinea Luca Venturini, Consigliere di Amministrazione di Cassa Lombarda. “Siamo partiti mettendo al centro il cliente, per costruirgli intorno un portafoglio di servizi integrati con un approccio olistico glocal”.
Cross border è diversificare il rischio
“Ci piace inquadrare la nostra attività cross border nell’ottica della ‘diversificazione’ del rischio paese a km zero” commenta Filippo Casolari, Vice Direttore Generale Cassa Lombarda, “intendendo con tale espressione l’apertura verso un Paese, la Svizzera, ove già conduciamo parte della nostra attività tramite PKB Privatbank. L’obiettivo era sviluppare le potenzialità che il gruppo possiede, per le sue caratteristiche di internazionalità e presenza in due giurisdizioni differenti e complementari, implementando un modello di servizio end-to-end per la prestazione dei servizi di investimento da parte di Cassa Lombarda per i clienti, con residenza fiscale italiana, operanti dall’Italia con patrimonio detenuto all’estero presso PKB Privatbank”. Il progetto era ed è ambizioso, con la complessità derivante dalla pluralità di stakeholder coinvolti. “Parlo di un insieme di ambiti quali ad esempio la compliance, i servizi di custody e settlement, o il controllo di gestione. Abbiamo quindi scelto Objectway come partner unico per affiancarci in questa iniziativa, ritenendo che avesse una visione completa dell’iniziativa, una consolidata competenza ed esperienza nell’ambito del wealth management e fosse un abilitatore di innovazione”.
Cross border è un portafoglio di servizi e competenze integrati
“Trasformare questa idea innovativa in un’offerta di servizi che valorizzi l’unicità di ogni istituzione finanziaria significa essere in grado di riconoscere le differenze fiscali, di valuta, di giurisprudenza, e i tecnicismi legati ai servizi di investimento e ai servizi bancari – anche offshore – e disporre di un framework operativo e di una piattaforma tecnologica in grado di evolvere coerentemente con i modelli di business anche internazionali. Per far sì che funzioni,” prosegue Nicola Pepè, Senior Business Development Manager Objectway, “occorre però averne pieno controllo”. Ciò che serve è un “approccio di consulenza globale”, dove l’ecosistema di competenze, professionalità e professionisti dedicati ai temi del wealth e dell’asset management viene supportato da un “soggetto che sappia integrare le molteplici esigenze ed esserne sintesi e guida, portando avanti in modo coordinato il progetto in uno scenario operativo coerente e in linea con l’attività dell’istituzione finanziaria”.
In linea con il nostro obiettivo di promuovere costantemente l’innovazione delle istituzioni finanziarie tramite software e servizi abbiamo supportato Cassa Lombarda in tutte le fasi di questa iniziativa volta ad ampliare il loro modello di business, mettendo a fattor comune una rilevante esperienza internazionale, fondamentale in un progetto cross-border.
[](https://www.linkedin.com/in/gianbattista-geroldi-070a322a/)### Gianbattista Geroldi
CEO Italia, Objectway
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### [Servizi di investimento cross-border: il progetto di Cassa Lombarda](https://objectway.com/servizi-di-investimento-cross-border-il-progetto-di-cassa-lombarda/)
**Published:** October 11, 2021
**Author:** Lorenzo Noventa
**Excerpt:** Cassa Lombarda ha scelto Objectway per i suoi servizi di investimento cross-border, ritenendolo un partner dotato di competenza ed esperienza nel settore
**Content:**
# Servizi di investimento cross-border: il progetto di Cassa Lombarda
11 October 2021 – Cassa Lombarda sceglie ha scelto Objectway per i suoi servizi di investimento cross-border, ritenendolo un partner dotato di competenza ed esperienza nel settore, ma anche di una forte propensione all’innovazione.
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Integrare servizi cross-border a valore aggiunto all’interno dei servizi di investimento forniti ai clienti private. È l’obiettivo del progetto intrapreso da Cassa Lombarda in collaborazione con Objectway.
Integrare servizi cross-border a valore aggiunto all’interno dei servizi di investimento forniti ai clienti private. È l’obiettivo del progetto intrapreso da Cassa Lombarda in collaborazione con Objectway.
Un obiettivo, ha spiegato al Salone del Risparmio Luca Venturini, Consigliere della Banca, che rientra «nella ricerca di soluzioni innovative e compliant per la nostra clientela. Un lavoro che richiede un lungo impegno, per analizzare lo stato dell’arte sui temi regolamentari, normativi, fiscali e operativi. E partner per supportare la banca nel percorso».
Per Cassa Lombarda, controllata dal Gruppo PKB, con sede a Lugano, la prima implementazione di servizi cross-border ha riguardato il potenziale sinergico con la capogruppo, secondo un modello che l’azienda definisce “olistico-glocal”.
«Volevamo realizzare una piattaforma di servizi finanziari distintiva nel suo genere e operante in piena conformità – ha raccontato Filippo Casolari, Vice Direttore Generale di Cassa Lombarda – e il progetto ha coinvolto tutti i nostri sistemi informativi e una pluralità di stakeholder in Italia e in Svizzera».
In una primissima fase, Cassa Lombarda voleva individuare due partner di progetto: uno per gli aspetti più consulenziali e di due diligence, l’altro con un taglio IT, per implementare la parte tecnologica. «Ma poi ci siamo resi conto che ci serviva un solo partner con una visione completa del progetto – ha aggiunto Casolari – per evitare distonie tra disegno e realizzazione».
La banca ha quindi scelto Objectway ritenendolo un partner dotato di competenza ed esperienza nel settore, ma anche di una forte propensione all’innovazione.
«Non abbiamo solo collegato gli applicativi per la consulenza finanziaria, ma siamo intervenuti su una serie di sistemi collaterali ma essenziali, relativi ad esempio ai controlli di Vigilanza, ai profili di rischio MiFID, all’AML, fino a contabilità e controlli di gestione. Abbiamo coinvolto il nostro outsourcer storico, per gestire i sistemi legacy; e i fornitori di servizi di investimento, quindi broker, custody e settlement, in entrambi i Paesi. Il tutto rispettando le norme su sicurezza e riservatezza dei dati in giurisdizioni diverse».
E, chiaramente, l’infrastruttura è stata arricchita con la componente Objectway, che è il fulcro di tutto il servizio attorno al quale sono stati integrati gli altri sistemi. «Il progetto di Cassa Lombarda – ha commentato Nicola Pepè, Senior Manager Business Development di Objectway – è un esempio di come si può trasformare un’idea concettuale innovativa in un modello di servizio reale e completo che integra gestione fiscale, segnalazioni, gestione valutaria e i moltissimi tecnicismi legati ai servizi delle banche offshore. Non si tratta solo di arrivare all’erogazione di servizi cross-border, obiettivo di per sé già ambizioso, ma anche di costruire un framework operativo e una architettura applicativa in grado di evolvere con i trend internazionali e, quindi, insieme alle esigenze del business».
Objectway sta affiancando la banca in tutte le fasi dell’iniziativa, «fornendo una consulenza a 360 gradi, dallo studio di fattibilità, alle attività di analisi e implementazione dei modelli operativi, fino alla messa in campo delle soluzioni software – ha concluso Gianbattista Geroldi, Amministratore Delegato Italia di Objectway – mettendo a fattor comune anche una rilevante connotazione internazionale che è fondamentale in un progetto cross-border».
Cassa Lombarda ha annunciato, in chiusura di conferenza, che questo primo esperimento tra Italia e Svizzera permetterà alla Banca di acquisire il know-how necessario per valutare la possibilità di un progetto cross-border di portata più ampia, proseguendo la collaborazione sinergica con Objectway.
Non si tratta solo di arrivare all’erogazione di servizi cross-border, obiettivo di per sé già ambizioso, ma anche di costruire un framework operativo e una architettura applicativa in grado di evolvere con i trend internazionali e, quindi, insieme alle esigenze del business.
[](https://www.linkedin.com/in/nicola-pep%C3%A8-6569861/)### Nicola Pepè
Senior Business Development Manager, Objectway
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### [Wealth-being: quando la consulenza è davvero olistica](https://objectway.com/wealth-being-quando-la-consulenza-e-davvero-olistica/)
**Published:** November 8, 2021
**Author:** Lorenzo Noventa
**Excerpt:** L'ampliamento degli ambiti di intervento dell'advisory finanziaria è dovuto alla crescente richiesta da parte dei clienti di un maggior coinvolgimento nelle decisioni di investimento
**Content:**
# Wealth-being: quando la consulenza è davvero olistica
8 November 2021 – L’ampliamento degli ambiti di intervento dell’advisory finanziaria è dovuto alla crescente richiesta da parte dei clienti di un maggior coinvolgimento nelle decisioni di investimento.
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Wealth-being: cura dell’intero ciclo del patrimonio, coinvolgimento dei clienti nelle decisioni di investimento ed elevata personalizzazione sono i fattori determinanti per l’evoluzione della consulenza verso un modello olistico, che guarda alle generazioni future.
Nel 1974, uno studio condotto dall’economista Richard Easterlin evidenziava un noto paradosso, offrendo una prova contraria al famoso adagio, per cui la felicità delle persone non dipende esclusivamente da variazioni nel reddito o nella ricchezza personale. La relazione tra felicità e denaro è da allora una delle principali aree di ricerca nel tema della psicologia economica e la letteratura recente sembra essere giunta a un compromesso: non è il denaro a rendere le persone più felici, bensì il loro livello di benessere finanziario, ovvero “uno stato in cui una persona può soddisfare pienamente i propri obblighi finanziari attuali e in corso, può sentirsi sicuro del proprio futuro finanziario ed è in grado di compiere scelte che gli permettano di godersi la vita”, così come definito dal Consumer financial protection bureau (Fcpb) statunitense in collaborazione con l’Organizzazione per la cooperazione e lo sviluppo economico (Ocse).
Da well-being a wealth-being, passando dalla consulenza olistica
“Al concetto di well-being se ne affianca un secondo: quello di wealth-being”, afferma Michele Tanzi, Market Solution Director di Objectway. “In linea con l’evoluzione dei bisogni della clientela, oggi la proposta di consulenza si articola sempre più come un supporto decisionale completo alle scelte del cliente, non più confinato nel mero suggerimento all’acquisto di un prodotto. Un intervento che accompagna i momenti più importanti della vita del cliente e della sua famiglia, con l’obiettivo di migliorarne efficacia e qualità complessiva. È un’attività molto complessa in un mondo in cui vi è una quantità straordinaria di informazioni liberamente disponibili, ma difficilmente certificabili e sintetizzabili, oltre che poco correlate tra loro. La consulenza copre ambiti sempre più ampi della vita del cliente, quali servizi di protection planning sia per la famiglia che per esigenze corporate, servizi successori per pianificare adeguatamente il passaggio generazionale, analisi del patrimonio immobiliare e interventi in ambito fiscale. Si realizza così una consulenza davvero olistica, che segue l’intero ciclo del patrimonio e l’evoluzione delle esigenze del cliente nel corso della sua vita”.
L’ampliamento degli ambiti di intervento dell’advisory finanziaria è dovuto anche alla crescente richiesta da parte dei clienti di un maggior coinvolgimento nelle decisioni di investimento, ulteriormente accentuato in conseguenza delle ripercussioni sull’economia reale innescate dalla pandemia di Covid-19. Una situazione imprevista e destabilizzante che ha influito sull’importanza della consapevolezza in tema di decisioni finanziarie. Così come sottolinea il Rapporto 2020 sulle scelte di investimento delle famiglie italiane della Consob, a fronte di un livello di conoscenze finanziarie contenuto, il 60% degli italiani mostra infatti un interesse ad approfondire temi potenzialmente utili in occasione di scelte cruciali, decisione che non esclude l’affidamento all’intermediario di riferimento, consulente finanziario in primis. Dallo studio si evince inoltre come i risparmiatori che si affidano a un consulente siano aumentati in modo significativo rispetto ai dati 2019, dal 30% al 41% dei casi.
E per quanto riguarda le generazioni più giovani? L’importanza di sviluppare competenze finanziarie adeguate è sempre più cruciale. L’attenzione dell’industria della gestione patrimoniale dovrà quindi spostarsi verso la cosiddetta generazione Z, ovvero i nati tra il 1997 e il 2010. Una fascia di cittadini che sembra già più responsabile e accorta delle precedenti, evidenzia la ricerca di Clearpay e Accenture. Dati alla mano, il 68% degli esponenti della gen Z risparmia infatti più di gen Y, gen X e baby boomers, tanto che si stima che questa generazione potrà ereditare un patrimonio tra i 15 e i 68 mila miliardi di dollari.
“Le loro scelte saranno quindi molto più influenzate da una serie di elementi essenziali: presenza digitale, reputazione e valori del gestore, trasparenza, iper-personalizzazione dell’offerta e dei servizi di advisory, responsabilità in ambito Esg”, conclude Tanzi. “Le aziende devono prepararsi oggi a intercettare gli investitori di domani, assicurandosi che le loro esigenze siano comprese e progettando le soluzioni migliori per soddisfarle”.
Servizi su misura e fruizione di una user experience digitale sono tra gli elementi che – fino a pochi anni fa privilegio di pochi – oggi sono considerati dai clienti un requisito fondamentale. A tal punto che personalizzazione, client experience e capabilities digitali rappresentano un vero e proprio elemento di differenziazione tra i gestori patrimoniali e possono costituire un motivo dirimente per mantenere il proprio wealth manager o sceglierne un altro.
[](https://www.objectway.com/)### Michele Tanzi
Market Director Solution, Objectway Group
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4 September 2026
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### [Come cambia la consulenza nel post Covid?](https://objectway.com/come-cambia-la-consulenza-nel-post-covid/)
**Published:** November 17, 2021
**Author:** Lorenzo Noventa
**Excerpt:** La consulenza nel post Covid sarà olistica: servizi personalizzati, data-driven customer journey e innovazione dei processi con soluzioni di Robo for Advisor.
**Content:**
# Come cambia la consulenza nel post Covid?
17 November 2021 – Wealth-being: è questo il concetto che caratterizza i nuovi modelli di consulenza olistica nella scenario post-pandemico.
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Allargare il perimetro della consulenza, ideare un data-driven customer journey per gli investitori e innovare i processi introducendo soluzioni di Robo for Advisor.
Wealth-being: è questo il concetto che caratterizza i nuovi modelli di consulenza olistica nella scenario post-pandemico. «Il wealth-being è un ecosistema completo di servizi e competenze, che consente ai gestori patrimoniali di proteggere, diversificare, valorizzare e personalizzare gli investimenti dei clienti – afferma Michele Tanzi, Market Solution Director di Objectway. È un approccio olistico alla consulenza, che segue l’evoluzione nel tempo delle esigenze personali, familiari e patrimoniali, con proposte che si estendono agli ambiti di protection planning, ai servizi successori per la pianificazione del passaggio generazionale, all’analisi del patrimonio immobiliare e agli interventi in ambito fiscale».
Clienti pronti a condividere i dati personali…
L’ampliamento del perimetro di intervento è legato anche alla crescente richiesta dei clienti di essere più coinvolti nelle decisioni di investimento, tanto che «il 76% dei clienti italiani è disposto a condividere i dati personali con il proprio wealth manager per ottenere un servizio più personalizzato e una migliore user experience (dati, Global Wealth Research Report di EY) – sotto- linea Tanzi. Personalizzazione e client experience diventano quindi elementi di differenziazione per i gestori patrimoniali e possono motivare la scelta di mantenere o cambiare il proprio wealth manager».
… per un nuovo customer journey
Ecco perché delineare un data-driven customer journey, ovvero analizzare i dati per originare nuovi servizi o accre- scere il valore di quelli esistenti, «è cruciale per assicurarsi la fiducia a lungo termine dei clienti esistenti – continua Tanzi – e intercettare gli investitori di domani».
Una esperienza più digitale piace
Inoltre, la pandemia ha accelerato la di- sponibilità di tool digitali per la gestio- ne del rapporto advisor-cliente: «una tendenza che crescerà – dichiara Tanzi – dato che oltre 7 investitori italiani su 10 prevedono di farne un utilizzo maggiore in futuro. La stessa percentuale pensa inoltre che gli strumenti digitali messi a disposizione dal proprio gestore durante la fase emergenziale abbia- no potenziato l’engagement e migliorato le scelte di investimento».
Efficientare i processi interni
Ma la sola digitalizzazione della relazione consulente-cliente non è più sufficiente. Il vero passo avanti che il settore deve ancora fare è digitalizzare e rendere effi- cienti i processi interni e la collaborazione tra le strutture centrali e la rete. «Grazie agli strumenti di Robo for Advisor l’istituto finanziario può mettere a disposizione del singolo cliente tutte le sue capacità e servizi, attraverso il consulente. Parliamo di soluzioni evolute capaci, ad esempio, di generare rapidamente scenari di analisi accurati anche su un numero elevato di clienti, per fornire ai consulenti proposte di investimento personalizzate su esigenze specifiche – conclude Tanzi.
L’approccio dev’essere quindi full digital, ovvero digitalizzare i flussi di comunicazione tra struttura centrale, advisor e cliente per mettere in condizione la rete di collabo- rare con gli uffici centrali e beneficiare del loro supporto.
[](https://www.objectway.com/)### Michele Tanzi
Market Solution Director, Objectway Group
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### [Come abilitare il potenziale della finanza digitale: resilienza e innovazione](https://objectway.com/come-abilitare-il-potenziale-della-finanza-digitale-resilienza-e-innovazione/)
**Published:** December 17, 2021
**Author:** Lorenzo Noventa
**Excerpt:** La complessità delle tecnologie e dei sistemi IT cresce. Come realizzare il potenziale della finanza digitale? Le parole d'ordine sono resilienza operativa digitale e innovazione.
**Content:**
# Come abilitare il potenziale della finanza digitale: resilienza e innovazione
17 December 2021 – Resilienza operativa digitale: questa è la parola d’ordine per far fronte alle complessità dei sistemi tecnologici. E la Commissione europea è in prima linea sul tema.
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La resilienza dei servizi digitali offerti dalle istituzioni finanziarie è un tema caldo in un contesto sempre più interconnesso come quello attuale. Quali sono gli impatti e le opportunità per le società del settore?
Il 4 ottobre 2021, tre applicazioni di social network e messaggistica istantanea facenti capo a una delle più importanti società tecnologiche del mondo hanno subìto un blocco temporaneo, impedendo l’accesso a milioni di account a livello globale. Il disservizio, durato poco più di 6 ore, ha allarmato gli utenti, impossibilitandone alcuni nello svolgimento del proprio lavoro e trasferendone altri su piattaforme competitor.
“Quello che è accaduto a ottobre è uno degli esempi che dimostrano a cosa possa portare una falla nell’integrità operativa dal punto di vista tecnologico, capace di causare rischi elevati e di impattare fortemente una società e i suoi servizi”, spiega Gianbattista Geroldi, Chief executive officer di Objectway Italia. “La complessità delle tecnologie e dei sistemi sta crescendo, così come le minacce e i rischi collegati, data la quantità enorme di dati e informazioni raccolti”. Ma come evitare che questi episodi accadano? La parola d’ordine, in questo caso, è resilienza operativa digitale. E la Commissione europea è in prima linea sul tema.
L’Unione europea e la DORA
Era stata presentata a dicembre 2019 una prima bozza di normativa per armonizzare gli obblighi e innalzare gli standard in materia di cyber security per gli stati membri dell’Unione europea. Dopo dodici mesi di consultazioni, nel 2020 veniva pubblicata la versione finale del Digital Operational Resilience Act (DORA), un nuovo paradigma europeo per la gestione dei temi di sicurezza informatica e di tecnologia dell’informazione e della comunicazione nell’ambito dei servizi finanziari. L’entrata in vigore del regolamento, prevista per il 2022, dovrà trovare preparate le società del settore, dagli istituti di credito alle compagnie di assicurazione, dai gestori patrimoniali agli istituti di pagamento fino alle emittenti di cripto-asset.
La resilienza operativa digitale oggetto della proposta di Regolamento DORA si propone di adattare il quadro giuridico e operativo europeo alle nuove istanze della digitalizzazione, per sostenere il potenziale della finanza digitale in termini di innovazione e concorrenza, attenuando allo stesso tempo i rischi per gli investitori. In sostanza, riguarda la capacità di un istituto finanziario di creare, assicurare e riesaminare la propria integrità operativa da un punto di vista tecnologico, garantendo, direttamente o indirettamente – attraverso fornitori di tecnologie dell’informazione e della comunicazione (ICT) – il corretto funzionamento e la sicurezza delle reti e dei sistemi informativi utilizzati per fornire servizi finanziari.
Cresce la domanda di servizi digitali, accessibili e sicuri
“Alcune aziende sono state capaci di cogliere questa sfida aumentando i livelli di interconnessione e sicurezza, mentre altre hanno faticato, dimostrandosi non abbastanza resilienti. Normative come DORA mirano a minimizzare la probabilità di situazioni di criticità in futuro, prevenendo, rispondendo e imparando dalle disruption operative del passato, e garantendo al contempo standard di gestione a tutela dei clienti finali”.
Gli impatti di DORA sulle istituzioni finanziarie
Questo regolamento avrà impatti su diverse aree all’interno delle istituzioni finanziarie. A livello di governance, dovrà avvenire un potenziamento delle responsabilità per le funzioni interne ICT, con il monitoraggio della corretta applicazione delle policy e dei processi di gestione del rischio, e reporting continuo sugli incidenti e sulle soluzioni correttive implementate. Le aziende dovranno inoltre definire un programma onnicomprensivo di test di resilienza operativa digitale, adottando anche nei confronti dei propri fornitori ICT una strategia per il monitoraggio e la gestione dei rischi.
“Uno e solo deve essere il mantra delle società del settore: garantire costantemente accesso e disponibilità dei propri servizi nei confronti dei clienti”, aggiunge Geroldi. “Questo sarà centrale nel consolidare la relazione tra il consumatore e l’istituto finanziario, aumentando la fiducia nei confronti del brand”. Anche la componente economica va tenuta in considerazione, data la quantità di denaro necessaria per rispondere all’interruzione dei servizi digitali e affrettarne la ripresa. “Non dover affrontare crisi improvvise farà risparmiare alle società investimenti in esperti e soluzioni dell’ultimo minuto, facilitando e velocizzando la ripresa da eventi inaspettati”, conclude Geroldi.
La pandemia da COVID-19 ha imposto un ripensamento generale delle modalità con cui si erogano i servizi finanziari, aumentando esponenzialmente la domanda di servizi digitali, facilmente accessibili e sicuri.
[](https://www.linkedin.com/in/gianbattista-geroldi-070a322a/)### Giambattista Geroldi
Chief Executive Officer, Objetcway Group Italia
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### [Consulenza successoria: i tool digitali simulano l'eredità](https://objectway.com/consulenza-successoria-i-tool-digitali-simulano-eredita/)
**Published:** January 31, 2022
**Author:** Lorenzo Noventa
**Excerpt:** La distribuzione della ricchezza agli over 65 e il trasferimento alle generazioni successive è un'opportunità per la consulenza successoria. I tool digitali aiutano.
**Content:**
# Consulenza successoria: i tool digitali simulano l’eredità
31 January 2022 – Grandi età, grandi patrimoni. Lo dimostra la distribuzione della ricchezza in Italia stando a quanto evidenziato dal Rapporto Censis-Tendercapital sui buoni di investimento di ottobre 2019.
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Il tema della distribuzione della ricchezza italiana a favore degli over 65 e il conseguente trasferimento dei patrimoni alle generazioni successive rappresenta una necessità-opportunità per la consulenza finanziaria. I tool digitali corrono in aiuto.
Grandi età, grandi patrimoni. Lo dimostra la distribuzione della ricchezza nel nostro paese che, secondo il 1° Rapporto Censis-Tendercapital sui buoni investimenti di ottobre 2019, dal titolo La silver economy e le sue conseguenze, evidenzia come gli over 65 detengano una ricchezza media più alta del 13,5% (+77% in termini reali dal 1995 al 2019) di quella media degli italiani, mentre quella dei giovani adulti è inferiore del 54,5% (-34,6%). Non solo: la quota di ricchezza degli anziani sul totale delle famiglie del Belpaese è passata dal 20,2% nel 1999 a quasi il 40% del totale nel 2019. Non sorprende quindi che l’identikit del cliente medio del private banking italiano, con patrimoni in gestione pari almeno a 2 milioni di euro, riporti sulla carta d’identità un’età superiore ai 60 anni, stando a quanto divulgato dall’Associazione italiana private banking (Aipb) nel febbraio 2020.
Il trasferimento della ricchezza: una opportunità per la consulenza
Ad emergere da questo contesto è quindi una necessità-opportunità, sempre più impellente, per il sistema bancario italiano: il trasferimento della ricchezza alle generazioni successive. Un fenomeno che le istituzioni bancarie e i professionisti della consulenza hanno imparato a conoscere a fondo negli ultimi anni, ma che coinvolge gli advisor su diversi livelli, da quello normativo a quello fiscale, sconfinando spesso dai limiti della pura gestione del patrimonio finanziario. “In questa delicata fase del ciclo di vita del cliente, l’innovazione e la tecnologia possono rappresentare un contributo essenziale, supportando il consulente e il suo assistito in numerose decisioni importanti per il nucleo familiare e gli eredi”, spiega Michele Tanzi, Market Solution Director di Objectway, tra i principali fornitori di soluzioni end-to-end per wealth, banking e asset management a livello mondiale.
Legittima o testamentaria, quale successione scegliere?
Un caso concreto? Ad esempio, quello di un cliente ancora indeciso sulla ripartizione del proprio patrimonio secondo testamento o legittima. Il diritto ereditario italiano distingue infatti tra due principali tipologie di successione: testamentaria, regolamentata dall’art. 587 del Codice civile, in cui il cliente può preventivamente e nella quasi totale libertà disporre dei propri beni a favore di eredi o legatari da lui designati; e legittima, definita dall’art. 656 del Codice civile e adottata in assenza o invalidità di un testamento, in cui l’eredità è devoluta al coniuge, figli e parenti fino al sesto grado con quote progressive a seconda del grado di parentela. Se sussiste testamento, la successione testamentaria prevale su quella di legge: servirà tuttavia verificare che il testatore abbia disposto dei propri beni rispettando i diritti garantiti ai congiunti più stretti, cui spetta sempre appunto una quota ‘legittima’; in questo caso, si parla di successione necessaria. “In Italia la successione legittima è un’ipotesi molto frequente, dato che molte persone si ritengono soddisfatte dalla disciplina di legge e non reputano necessario fare testamento” spiega Tanzi. “Nel nostro paese, infatti, nel 2018 solo il 12,3% degli italiani ha deciso di regolare la propria successione tramite testamento, secondo quanto riporta l’Ufficio centrale degli Archivi notarili”.
Se la tecnologia simula l’eredità
“Tuttavia, la scarsa percentuale di successioni testamentarie rispetto a quelle legittime nel nostro paese potrebbe anche indicare la difficoltà nel vagliare altre possibilità e simulare ripartizioni del patrimonio che, pur rispettando i vincoli della legittima, lascino al cliente più libertà” aggiunge Tanzi. Ecco allora che la tecnologia può ricoprire un ruolo fondamentale, venendo in soccorso al cliente ad esempio ancora indeciso sulla tipologia di successione da adottare per la propria famiglia “grazie a una soluzione per l’erogazione della consulenza successoria che supporti sia l’analisi dei diversi scenari normativi, sia la complessa attività di raccolta delle informazioni e di supporto decisionale per le scelte del cliente.
Così i tool che l’istituzione finanziaria metterà a disposizione dei consulenti dovranno contribuire a una consulenza sempre più olistica e ragionata, capace di assistere il cliente anche quando l’affettività e le componenti emotive giocheranno un ruolo centrale e sarà più difficile agire razionalmente. Come muoversi quindi, per offrire una consulenza successoria di successo, giochi di parole a parte? “In primis, effettuando una mappatura completa dello stato patrimoniale finanziario e non finanziario (come immobili, veicoli, opere d’arte, ecc.) e delle eventuali passività. In secondo luogo, individuare tutti gli eredi, al fine di circoscrivere il perimetro dei soggetti interessati dalla consulenza e di censire le donazioni effettuate in passato dal cliente. Infine, simulare diversi complessi scenari successori che si concretizzino nella consegna al cliente di una reportistica dedicata, grazie alla quale potrà prendere decisioni basandosi su opzioni che rispondano a pieno ai propri bisogni e desideri, oltre che disponibilità” conclude Tanzi.
La soluzione ideale dovrebbe far leva sul patrimonio informativo già disponibile all’interno dell’istituto finanziario per facilitare la fase di raccolta delle informazioni, e in ogni caso consentire un’agile integrazione con gli altri sistemi della banca (CRM, back office), semplificando la gestione delle informazioni.
[](https://www.objectway.com/)### Michele Tanzi
Market Solution Director, Objectway Group
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### [Digital assistants: alleviating burdens permeating wealth management](https://objectway.com/digital-assistants-alleviating-burdens-permeating-wealth-management/)
**Published:** February 7, 2022
**Author:** Lorenzo Noventa
**Excerpt:** By 2030, advisers will gradually shed their role as investment managers and advise clients on their financial wellness needs more broadly.
**Content:**
# Digital assistants: alleviating burdens permeating wealth management
7 February 2022 – David Wilson details on Finextra where technology can support advisers and enable them to focus their valuable time and efforts where it is required.
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By 2030, according to multiple management consulting firms, advisers will gradually shed their role as investment managers and become more like wealth coaches who advise clients on their financial wellness needs more broadly.
By 2030, according to multiple management consulting firms, advisers will gradually shed their role as investment managers and become more like wealth coaches who advise clients on their financial wellness needs more broadly. In order to profitably serve customers, wealth firms will need to be radically leaner than they are today and set a rising bar for operational excellence. Digital technologies will help wealth managers innovate and offer investors more hyper-personalised, data-driven advice and engagement models. Data will become a core competency, and those firms who will be able to convert it into actionable insights will lead the industry.
Regulatory and compliance burdens will continue driving up costs at the same time that investor and regulatory scrutiny is forcing fees lower. Managers will need to ensure that investment products and related services are continuously updated to align with investors’ needs, driving firms to refocus on strategic positioning. The greatest challenge to the industry to continue the actual level of growth is most likely to be how to achieve scalable and cost managed growth.
Today advisers manage typically around 200 or so portfolios on an ad-hoc basis. If the firm scales up and the adviser is dealing with in excess of 500 portfolios, the logistics of reviewing each thoroughly and taking any required actions on a daily basis becomes
unrealistic. Outside of the increased number of portfolios to manage, other challenges come on top: increasing volumes of data to consume, more rules surrounding the management of the client mandate to monitor, more regulatory guidelines to comply with, all leading to less time to manage an individual portfolio.
This is where technology can support advisers and enable them to focus their valuable time and efforts where it is required. Technology can reduce the burden of time-consuming repetitive daily activities through Smart Advisor Desktops acting as “digital assistants” to help.
Coming to the practical daily workday of a wealth manager, let’s consider some of the time-consuming activities.
Compliance and continuous monitoring
The number of compliance rules to check within investment portfolios is growing everyday. Balancing risk against return is becoming more complicated, but by using technology this can be done in the background, continuously and automatically generating alerts when breaches occur. Using intelligence assistance can help proactively prevent breaches, reduce risk and recommend new investments ideas to act faster and more effeciently.
Consistency between pre and post trade checks
As an advisory business, you need to be proactive in making proposals or dealing with clients requiring advice. An AI-based checking engine can automatically check investment decisions, to ensure suitability before trading. Rebalancing can be executed more
proactively because the digital assistant is continuously looking at investments and their objectives, therefore suggesting different courses of action that recommend how best to change the portfolio to achieve the best return.
Alerts driving efficiency and adding value to advisory
A digital assistant can help looking across all information in the book of business at a glance, and then prioritises the tasks needed today, this week, next month and so on.
Indeed, a branch manager or divisional manager, can also have a team Smart Desktop that consolidates what is happening within their area of responsibility.
Using a Smart Desktop digital assistant approach provides a sharp shortcut to tasks, exploiting a large amount of existing data from multiple sources and consolidating everything in one place to help manage a book of business more efficiently, making the firm more effective and improving headcount ratios. The focus and effort is then only on automatically highlighted exceptions, whilst the remaining book of business is being maintained, is compliant and on track to meet a client’s goals.
The Smart Desktop approach ultimately enables a firm to effectively manage more clients, deliver more focused attention where it is needed and concentrate on growing the business.
To know more on how to achieve growth in the current wealth management setting [**download the full paper here**](https://objectway.com/download-paper-new-hope-for-growing-your-wealth-management-business/?lang=en).
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4 September 2026
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### [Dal conto al portafoglio: i tool digitali per gestire la liquidità](https://objectway.com/dal-conto-al-portafoglio-i-tool-digitali-per-gestire-la-liquidita/)
**Published:** April 11, 2022
**Author:** Lorenzo Noventa
**Excerpt:** Erosa dall’inflazione, la liquidità sui conti correnti è un'opportunità mancata di alimentare gli investimenti per gli obiettivi di vita dei risparmiatori.
**Content:**
# Dal conto al portafoglio: i tool digitali per gestire la liquidità
11 April 2022 – Anche nel 2022 gli italiani si dimostrano un popolo di risparmiatori. A confermarlo è il Rapporto sulle scelte di investimento delle famiglie italiane 2021 di Consob.
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Erosa dall’inflazione crescente, la liquidità accumulata sui conti correnti rappresenta una mancata opportunità di alimentare gli investimenti per gli obiettivi di vita prefissati dai risparmiatori.
Anche nel 2022 gli italiani si dimostrano un popolo di risparmiatori, sebbene 6 su 10 non sappiano esattamente perché mettono da parte. A confermarlo è il Rapporto sulle scelte di investimento delle famiglie italiane 2021 della Commissione nazionale per la società e la borsa (Consob), secondo cui il 41% dei 2.695 intervistati tende a risparmiare per un generico “non si sa mai”, mentre il 24% del campione accumula senza una precisa ragione. Se è vero che “i piccoli risparmi formano le grandi ricchezze”, come diceva il premio Nobel George Bernard Shaw, sembra allora che gli italiani abbiano fatto di queste parole una vera e propria fede. A febbraio 2022, infatti, sui conti correnti del Belpaese risultavano depositati circa 1831 miliardi di euro: un incremento del 4,5% su base annua, secondo i dati del Rapporto 2022 sull’evoluzione dei mercati finanziari e creditizi dell’Associazione bancaria italiana (Abi).
Dal conto al portafoglio: come gestire la liquidità
Ciò di cui gli italiani sembrano essere ignari, tuttavia, sono le conseguenze di tale comportamento. Ne è esempio l’effetto dell’inflazione sulla liquidità. Da febbraio 2021 a febbraio 2022, il tesoretto presente sui conti correnti del nostro paese è stato eroso dal rialzo dei prezzi (5,7% su base annua lo scorso febbraio), che ha bruciato circa 100 miliardi di euro in termini di potere d’acquisto, continua il report dell’Abi. Questo nonostante l’inflazione preoccupi il 75% degli italiani, secondo quanto evidenziato dal Global state of the consumer tracker di Deloitte pubblicato a marzo 2022. “È importante sottolineare che la liquidità presente sui conti correnti, insieme all’inflazione galoppante, rappresenta una mancata opportunità di raggiungere gli obiettivi di vita che ciascun risparmiatore si è prefissato, dai desideri più piccoli ai progetti più complessi”, afferma Michele Tanzi, Market Solution Director di Objectway, tra i principali fornitori di soluzioni end-to-end per wealth, banking e asset management a livello mondiale.
La soluzione di Objectway: Cash Conversion Experience
“La Cash Conversion Experience si articola in diverse fasi e mette a disposizione degli advisor molteplici funzionalità, al contempo permettendo ai clienti stessi di procedere in autonomia rispetto ad alcuni ambiti grazie alla semplicità d’uso. In prima analisi, anche con modalità predittive sono definiti gli obiettivi del cliente, al fine di identificare traguardi concreti e raggiungibili dato il patrimonio a disposizione. Vengono così definite tutte le caratteristiche dell’obiettivo, quali ad esempio il valore del bisogno, l’importo iniziale da investire, il profilo dell’investitore e la durata dell’investimento stesso, anche grazie a suggerimenti pre-compilati che semplificano l’experience del cliente”, aggiunge Tanzi. “La soluzione supporta consulenti e clienti anche nella identificazione delle più idonee soluzioni di investimento suggerendo prodotti e portafogli ottimali. Si passa poi al monitoraggio degli obiettivi, agevolato dal supporto proattivo alle azioni di aggiornamento. L’interfaccia mostra infatti i dettagli del portafoglio e la probabilità di raggiungimento, oltre che l’andamento storico, tramite l’utilizzo di infografiche intuitive. Il cliente potrà inoltre essere coinvolto attivamente attraverso strumenti di education e accrescimento della consapevolezza dei propri bisogni”, conclude Tanzi.
Partendo da questo contesto, abbiamo sviluppato una soluzione innovativa per supportare consulenti e clienti nell’utilizzare la liquidità disponibile in eccesso, individuando bisogni concreti e pianificando le risorse necessarie al raggiungimento degli stessi.
[](https://www.linkedin.com/in/michele-tanzi-39b18410/)### Michele Tanzi
Market Solution Director, Objectway
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### [Build for the future, perform today - Business Trends](https://objectway.com/build-for-the-future-perform-today-business-trends/)
**Published:** May 16, 2022
**Author:** Lorenzo Noventa
**Excerpt:** Objectway, a Top 100 Global Fintech software provider, acquired in 2021 Die Software Peter Fitzon GmbH, a primary German provider of core banking solutions.
**Content:**
# Build for the future, perform today – Business Trends
16 May 2022 – Objectway acquired in 2021 Die Software Peter Fitzon GmbH (DSW), a primary German provider of core banking solutions.
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To complement and strengthen its wealth and asset management offerings with a solid and comprehensive core banking platform, Objectway, a Top 100 Global Fintech software provider in the digital Wealth and Asset management, acquired in 2021 Die Software Peter Fitzon GmbH (DSW), a primary German provider of core banking solutions.
Building on more than 30 years of business expertise, Objectway is a future-proof technology player with a well-established track record in the financial services industry, whose clients include 200+ leading Wealth Managers, Banks, Asset Managers, Fund Managers, Insurers and Outsourcers in more than 15 countries. With over 800 professionals operating from Italy, UK, Belgium, Germany, Switzerland and Ireland, the Group serves clients in 4 continents, supporting approximately 100,000 investment professionals to manage more than €1 trillion in assets. Luigi Marciano explains that core banking solutions were built historically on reliability rather than open architectures. Digital banking, APIs and Cloud have created a significant shift in the way banking products are constructed. “Financial institutions now need to address the imperatives underpinning next-generation core banking applications (in terms of scale, functionality, integration and the public cloud) to be able to process transactions in real time, release new features frequently and scale up their IT infrastructures.”
The environment and the market are nowadays experiencing a strong transformation that increased the clients’ digitalisation needs and accelerated the adoption of new technologies. The Financial Services industry, that has historically been cautious in evolving its technology solutions, is advancing rapidly and embracing digital innovation.
Marciano says: “According to their business model and activities, the information systems of the financial institutions operating in this sector fall under one or more of the three ‘vertical pillars’: Wealth Management solutions, Asset Management solutions and Banking solutions.
Within this strategy, Die Software was the perfect fit, as a leading provider of Core Banking solutions for Private Banks in Germany. Thanks to this acquisition, Objectway completes and strengthens its offering with a solid and comprehensive platform.
The ultimate objective of Objectway is to further strengthen its positioning as a key player in the Financial Services Software Industry in the EMEA region. The Group experienced an exponential growth in the last years; from €25 million to €100 million in revenues by the end of this fiscal year. Luigi Marciano concludes: “Looking ahead, we aim to triple our dimension and widen our geographical scope towards main European markets and start our expansion also in America and the Asia Pacific, driven by our proven strategy that combines organic growth and acquisitions.”
Die Software-team has done a fantastic job in developing a world-class banking platform with a loyal client base. In this landscape Objectway has a very strong positioning in Wealth and Asset Management solutions. Our strategic objective was therefore to extend our offering with a strong Core Banking platform, to cover all three pillars, and at the same time widen our presence in other European key markets.
[](https://www.linkedin.com/in/luigi-marciano-66b9538/)### Luigi Marciano
Founder and CEO, Objectway Group
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### [Banche, ecco come avere un servizio di advisory Esg e MiFID II compliant](https://objectway.com/banche-ecco-come-avere-un-servizio-di-advisory-esg-e-mifid-ii-compliant/)
**Published:** June 6, 2022
**Author:** Lorenzo Noventa
**Excerpt:** Cambiano le normative finanziarie, evolvono le piattaforme digitali per la consulenza. La partnership Objectway - novobanco ne è un esempio concreto.
**Content:**
# Banche, ecco come avere un servizio di advisory Esg e MiFID II compliant
6 June 2022 – La partnership tra Objectway e la banca portoghese novobanco è un esempio concreto di come utilizzare il digitale per efficientare la creazione di proposte di investimento personalizzate.
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Cambiano le normative finanziarie, evolvono le piattaforme digitali per la consulenza. È questa una tra le sfide cui dovranno rispondere le istituzioni anche in vista dei prossimi emendamenti alla Markets in financial instruments directive (Mifid) 2, che ad agosto introdurrà le preferenze in ambito Esg (ambientale, sociale e di governance) all’interno delle attività di profilazione dei clienti.
La partnership tra Objectway e la banca portoghese novobanco è un esempio concreto di come utilizzare il digitale per efficientare la creazione di proposte di investimento personalizzate.
Diversi gli ostacoli che banche e reti di consulenza si troveranno ad affrontare in tale contesto, così come in quello di una qualsiasi modifica alla regolamentazione vigente in ambito finanziario. Uno su tutti, “la difficoltà di definire programmi che possano mobilitare le persone, le infrastrutture e le tecnologie necessarie per ottemperare alle nuove normative in tempo. Spesso, infatti, intercorrono pochi mesi tra la definizione precisa delle regole e la loro effettiva entrata in vigore” spiega Michele Tanzi, Market Solution Director di Objectway, tra i primi 100 fornitori di soluzioni end-to-end per wealth, banking e asset management a livello mondiale. “Un modo per colmare questo gap di regolamentazione sarà l’implementazione di una piattaforma di advisory digitale che sia compliant con i criteri di profilazione Esg introdotti da Mifid 2, sostenuta da una pianificazione degli investimenti focalizzata sugli obiettivi e un flusso operativo efficace. Questo permetterà alle istituzioni di proporre un approccio coerente a tutti i segmenti di clientela”.
È il caso della partnership che ha visto collaborare Objectway con novobanco, una delle maggiori banche del Portogallo con oltre 20 miliardi di euro di asset in gestione e un network di oltre 300 advisor nei segmenti affluent e upper affluent. “La banca era alla ricerca di un partner capace di supportare la propria strategia di posizionamento nel mercato come innovatore nei servizi di investimento” continua Tanzi. “L’obiettivo era infatti la democratizzazione dei servizi di wealth management. La risposta è stata lo sviluppo di Investment Advice, la nostra piattaforma di advisory digitale su misura, efficiente e scalabile in cui la soluzione tecnologica supporta i consulenti per creare una proposta su misura per ciascun cliente”.
“La soluzione, in cloud e disponibile in modalità Software-as-a-Service (SaaS), consente quindi di operare tramite uno strumento di investimento centralizzato e strutturato che standardizza la creazione di proposte personalizzate basate su portafogli modello ottimizzati in termini di rischio” aggiunge Tanzi. “Permette inoltre l’offerta di una consulenza finanziaria avanzata attraverso la pianificazione degli investimenti orientata agli obiettivi di vita dei clienti e in linea con le preferenze d’investimento e il proprio profilo di rischio/rendimento, nel rispetto di Mifid 2. Fornisce un monitoraggio massivo, proattivo e in tempo reale e implementa l’ottimizzazione e il ribilanciamento dei portafogli basati su algoritmi evoluti. Con tutto ciò, la banca è ora in grado di fornire al cliente una visione completa del patrimonio allineata alle strategie di investimento e alla governance”.
Il case study dettagliato del progetto è [SCARICABILE QUI](https://objectway.com/download-case-study-leveraging-centralized-cloud-mifid-ii-advisory/).
Il progetto, consegnato al cliente nell’arco di un solo anno, ha previsto il primo rilascio dopo 3 mesi e il suo completamento nei 9 mesi successivi. Nei prossimi mesi, la piattaforma potrà raggiungere agilmente ulteriori traguardi in termini di crescita ed efficienza, anche in vista degli emendamenti a Mifid 2 relativi alle tematiche Esg.
[](https://www.linkedin.com/in/michele-tanzi-39b18410/)### Michele Tanzi
Market Solution Director, Objectway
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**Categories:** Article
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---
### [Objectway. Advisory digitale per novobanco](https://objectway.com/objectway-advisory-digitale-per-novobanco/)
**Published:** June 27, 2022
**Author:** Lorenzo Noventa
**Excerpt:** Offrire consulenza finanziaria personalizzata democratizzando i servizi di wealth management. Ecco il progetto realizzato da Objectway per novobanco
**Content:**
# Objectway. Advisory digitale per novobanco
27 June 2022 – Offrire consulenza finanziaria personalizzata democratizzando i servizi di wealth management. Ecco il progetto realizzato da Objectway per una delle più grandi banche in Portogallo.
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Wealth management democratico, centralizzato e personalizzabile. È questo l’obiettivo del progetto avviato da Objectway per novobanco.
Wealth management democratico, centra- lizzato e personalizzabile. È questo l’obiettivo del progetto avviato da Objectway per novobanco.
Le esigenze bancarie
Con 1,4 milioni di clienti, novobanco è uno dei maggiori istituti finanziari in Portogallo: gestisce oltre 20 miliardi di asset con un network di oltre 300 advisor, ed era alla ricerca di un partner per posizionarsi come innovatore nei servizi d’investimento, tramite la democratizzazione dei servizi di wealth management a partire da una soglia minima di 10mila euro. L’obiettivo era definire strategie d’investimento e proporre raccomandazioni personalizzate, adottare un approccio ibrido per andare incontro alle abitudini d’interazione dei clienti, e in linea con la governance della banca, attraverso un’unica piattaforma integrata.
La consulenza finanziaria evoluta
Objectway ha quindi consentito alla banca di fornire consulenza finanziaria avanzata attraverso una piattaforma di advisory digitale. “Con la soluzione Investment Advice di Objectway, in cloud e disponibile in modalità SaaS, novobanco mette a disposizione dei consulenti uno strumento d’investimento centralizzato e strutturato per generare proposte personalizzate secondo gli obiettivi del cliente, basate su portafogli modello ottimizzati in termini di rischio. Fornisce inoltre un monitoraggio massivo, proattivo e in tempo reale e implementa l’ottimizzazione e il ribilanciamento del portafoglio basati su algoritmi evoluti” afferma Michele Tanzi, Market Solution Director di Objectway.
Come funziona la piattaforma
Per comprendere gli obiettivi patrimoniali e di vita del cliente, e fornire una proposta d’investimento adeguata e personalizzata, la piattaforma assiste l’advisor tenendo conto delle caratteristiche del cliente, presentando i risultati sul patrimonio complessivo. L’utilizzo del modulo Risk & Compliance permette di effettuare controlli in tempo reale e in modo massivo sui portafogli dei clienti, in base ai requisiti normativi e secondo i controlli di adeguatezza definiti dalla banca. Infine, con Portfolio Optimizer, novobanco può costruire portafogli modello efficienti, riducendo la complessità del processo di asset allocation strategica e tattica.
Implementazione in un anno
Il progetto si è concluso in un anno, attraverso un piano incrementale secondo l’approccio agile: dopo 3 mesi è stato avviato il rilascio funzionale integrato con il sistema bancario, esteso e completato nei successivi 9 mesi. Grazie alla distribuzione dei carichi di lavoro e al monitoraggio dei progressi alcune attività sono state eseguite in parallelo mentre altre, come l’integrazione con i layer di sicurezza, sono state anticipate, riducendo l’impatto di imprevisti od ostacoli. «Fornendo un’analisi olistica dell’asset allocation del cliente e raccomandazioni di investimento conformi alla normativa MiFID II, novobanco è ora chiaramente in vantaggio rispetto alla concorrenza – conclude Tanzi. Può raggiungere ulteriori obiettivi di crescita ed efficienza, contando su un processo più snello e semplificato per la rete di consulenza».
Il case study dettagliato del progetto è [SCARICABILE QUI](https://objectway.com/download-case-study-leveraging-centralized-cloud-mifid-ii-advisory/).
La banca può ora fornire al cliente una visione completa del suo patrimonio, allineando al contempo il profilo di rischio e gli obiet- tivi dell’investitore con le strategie d’inve- stimento e la governance della banca, nel rispetto della normativa MiFID II.
[](https://www.linkedin.com/in/michele-tanzi-39b18410/)### Michele Tanzi
Market Solution Director, Objectway
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[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
[Studie: Veraltete Technologie bremst Wachstum bei Instituten](https://objectway.com/studie-veraltete-technologie-bremst-wachstum-bei-instituten/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Studie: Veraltete Technologie bremst Wachstum bei Instituten
4 September 2026
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### [Tech Trends in Wealth Management](https://objectway.com/tech-trends-in-wealth-management/)
**Published:** September 8, 2022
**Author:** Alessandro Rocco
**Excerpt:** Interviewed by IBS FinTech Journal, Dr. Alexander Cassar, Chief Business Operation Officer at Objectway, shares some food for thought on tech trends
**Content:**
# Tech Trends in Wealth Management
08 September 2022 – Interviewed by IBS FinTech Journal, Dr. Alexander Cassar, Chief Business Operation Officer at Objectway, shares some food for thought on tech trends in wealth management.
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It needs to get personal! At least, that is one of the key demands of wealth management clients, which translates into a key requirement for WealthTech providers
The world got richer in 2021, well some of it did! However, it seems unlikely that this will have been the case in H1 2022 thanks to what are now the ‘usual suspects’ (inflation, supply chain issues, energy prices, etc.). Nevertheless, according to Capgemini’s World Wealth Report the global High Net Worth Individual (HNWI) population grew 7.8% and this cohort’s absolute wealth grew 8% in 2021. The report also suggests that the growth gap across wealth bands is shrinking, indicating a more level playing field, due to improved information access for investors and democratisation of asset classes – factors for which the spread of WealthTech has been partly responsible.
For those in the wealth management sector, food for thought will also have been provided by evolving demographics. To take just one point, women across all wealth brackets are set to inherit 70% of global wealth over the next two generations. They will be seeking firms that not only provide fee transparency and data security, but also education in how to grow this wealth. At the same time, the sector is undergoing a diversification of investment options, from sustainable investing to the growing prevalence of digital assets.
Wealth management for the mass affluent
Broadening the focus from HNWIs, technology, notably implementation of robo-advisors has extended wealth management solutions into the mass affluent market around the world. Data from Statista suggests assets under management in the robo-advisor segment in the US alone are projected to be $1.16 trillion in 2022, with forecast CAGR of 14.3% through to 2026.
In a report entitled How will you reframe the future of advice if today’s client is changing? EY suggested that: “The global market for wealth advice is poised for transformation. The new paradigms for advice will redefine client experiences across the wealth continuum while reducing cost to serve.”
EY said that wealth managers and private banks will use ‘a seamless blend of people and technology to deliver wholly personalised advice that enhances clients’ lives’. Among the report’s conclusions: “Technology will clearly be a critical area of focus, but it must always serve strategy and should be integrated with human talent in a seamless, synergetic way.”
What the tech providers think
Dr. Alexander Cassar, Chief Business Operation Officer at Objectway, noted: “According to Forecasting the future: technology and investment in Wealth Management, commissioned by Objectway, the wealth management industry is expected to undergo an unprecedented amount of digital change initiatives over the coming 12 months, with the majority of firms intending to change at least part of their IT architecture.
What does the future hold for WealthTech?
Tackling legacy technology is also key for Dr. Cassar of Objectway: “In the near future the priority on top of the agenda is legacy technology. Firms are trying to simplify their IT and ‘future proof’ the business for prospective integrations in an open platform architecture in case they offer new products and solutions without the need for a complex overhaul of systems and without the need for many manual interventions.
“Closely after legacy comes the push for straight-through digital onboarding, driven by the need to remove inefficiencies for relationship managers and to provide better client digital services. As client demands have changed, their digital experience is now a real differentiator between firms. A personalised experience is seen as a reason to stay with or choose another firm by at least 60% of clients.”
Dr. Cassar added: “There is also a focus on improving digital channels to offer a personalised experience to clients where they can access tailored information at any time on any device, as well as having secure messaging, chat, video, to collaborate with their advisors. Client suitability is seen as another area that requires digital change, as firms want to be able to offer real-time risk alerts and rebalancing to ensure client mandates are met effectively and the ESG dimension is incorporated to client risk profiles.”
Change has undoubtedly been accelerated by the pandemic, and IT spending is predicted to remain above pre-pandemic levels over the next 24-36 months. Technology is being viewed as very important or critical in enabling wealth managers to accomplish their main business objectives of achieving scale, attracting new clients, and improving front office efficiency.
[](https://www.linkedin.com/in/sandrocassar/)### Dr. Alexander Cassar
Chief Business Operation Officer, Objectway
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[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
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[Studie: Veraltete Technologie bremst Wachstum bei Instituten](https://objectway.com/studie-veraltete-technologie-bremst-wachstum-bei-instituten/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Studie: Veraltete Technologie bremst Wachstum bei Instituten
4 September 2026
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---
### [Outsourcing And Other Wealth Firms' Challenges](https://objectway.com/outsourcing-and-orther-wealth-challenges/)
**Published:** September 19, 2022
**Author:** Lorenzo Noventa
**Excerpt:** WealthBriefing talked to Dr. Alexander Cassar about Objectway's views on outsourcing, the requirements and the benefits of change.
**Content:**
# Outsourcing And Other Wealth Firms’ Challenges
02 September 2022 – WealthBriefing talked to Dr. Alexander Cassar about Objectway’s views on outsourcing, the requirements and the benefits of change.
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While some banks continue to handle most technology tasks in-house, it appears that the trend to outsource many of them is as strong as ever.
In a tough economic environment as now, pressure on margins remains intense, while regulatory and client expectations show few signs of abating. And that trend favours outsourcing.
Firms such as Europeʼs Objectway, which operate with a number of banks and wealth managers, arenʼt slowing down.
In March, Rathbone Brothers, the UK-listed discretionary wealth manager, employed Objectway as a strategic partner. Last August, Objectway – founded in 1990 – bought Die Software Peter Fitzon, a German provider of core banking solutions. Italian financial firms account for about half of Objectwayʼs total revenues and the rest are in other parts of Europe, and some in other regions of the world.
A lot of organisations are looking at putting tech into the cloud, working with the likes of AWS, Azure, and others. Concerns about cybersecurity are misplaced, based more on perception than reality. Studies show that cloud-based IT is safer than on-premise systems, he said.
In or outside
Not all firms are ready to go down the outsourcing path. Earlier this year, WealthBriefing interviewed Lombard Odier; the Geneva-based bank said that farming out functions, be they front, middle or back office, may be tempting if this saves in-house development spending, but the long-term effects of outsourcing arenʼt always fully appreciated. In Lombard Odierʼs case, its G2 platform – or now GX – is an important revenue driver, serving third-party clients such as external asset managers.
Handling a legacy
As far as Objectwayʼs Cassar is concerned, a challenge for the industry is how to handle an accumulation of legacy systems. Legacy systems that have been around for a while are a risk for firms. “That risk is going to get bigger, not smaller. I think a way forward is a hybrid one, creating partnerships, and this requires a mind-shift from both sides,” he said. “More and more wealth managers are opening up to that approach.” Objectway adopts a modular approach to delivering its services; it does so via the cloud, via private clouds or through hybrid delivery channels. Clients have very different requirements…some go for a few modules and others go for a “full-stack suite.” “We believe in the composability of solutions,” Cassar said. In Europe, the issues are well understood and Objectway is receiving lots of requests for proposals (RFPs), he said. “This year, we had €100 million ($100.10 million) in turnover and thatʼs a lot for a privately owned firm. Of course, we are not going to be satisfied with that.”
A seat at the top table
One of the benefits of Objectway is that it gives the kind of tech prowess available to the largest players, hence allows different sized firms to compete, Cassar said. “We compose our offerings to the architecture of the client. You have to be able to bring a client on board in a flexible way.” Cassar predicts that the wealth management sector is becoming more democratised. “It is not enough to think just in terms of high net worth and ultra-high net worth individuals. In the B2B space, smaller players are getting to use the same tech as the larger players and at profitable prices,” he said. For example, 70 per cent of the wealth sector is held by hundreds of small IFAs, not the big-label banks.
Cases
Cassar gives some case studies to illustrate how Objectway works. One example was that of an independent wealth manager, providing execution only, advisory and discretionary services, and assets under management of less than £2.5 billion ($2.92 billion), and 10 to 12 investment managers serving 8,000 to 10,000 clients. The client needed to respond to two challenges: Digitise existing manual processes and retain clients as money moved to the next generation. Cassar said Objectway boosted the firmʼs client/investment manager ratio by 30 per cent; cut its production time, costs and workload, and increased its conversion rates to fee-based services.
In the second example of a firm with more than £20 billion ($23.16 billion) of A uM, 250-plus advisors and more than 30,000 clients, Objectway helped clients increase client acquisition by 25 per cent in terms of AuM; increase digital penetration by 30 to 50 per cent; increase advisor capacity by 25 per cent, and boost a net promotor score by +45 to +51.
We give clients a full outsourced solution. This is about consistent reliability and at a competitive cost.
[](https://www.linkedin.com/in/sandrocassar/)### Dr. Alexander Cassar
Chief Business Operation Officer, Objectway
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[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
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7 September 2026
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4 September 2026
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---
### [Asset alternativi in portafoglio? Sì, ma bisogna saperli gestire](https://objectway.com/objectway-wewealth-digitalizzazione-degli-investimenti/)
**Published:** October 12, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway ha approfondito insieme a We Wealth il tema della digitalizzazione degli investimenti alternativi
**Content:**
# Asset alternativi in portafoglio? Sì, ma bisogna saperli gestire
12th October 2022 – Gli investimenti alternativi rappresentano un’opzione interessante rispetto ai tradizionali canali di investimento. Per coglierne le opportunità occorre però saperne anche gestire l’operatività, grazie alla digitalizzazione del servizio.
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Il contesto attuale di elevata inflazione e volatilità dei prezzi spinge gli investitori verso strumenti di investimento in grado di generare rendimenti decorrelati dall’andamento dei mercati.
Come i cosiddetti “investimenti alternativi”, macro categoria sotto la cui definizione ricadono, ad esempio, gli hedge fund, il real estate, le materie prime, il private equity, il private debt e il venture capital. Le prospettive del comparto per gli anni a venire rivelano infatti un trend di crescita: per la società di consulenza britannica Preqin, l’industria degli investimenti alternativi a livello globale dovrebbe raggiungere i 23,21 mila miliardi di dollari entro il 2026, quasi raddoppiando il valore registrato nel 2021. Il settore, tuttavia, può risultare non di facile approccio per investitori e gestori, data la complessità (anche normativa) che sottende alla selezione, all’inclusione in portafoglio e alla gestione degli asset non tradizionali. Ecco perché diventa cruciale per gli intermediari che operano in questo settore essere pronti a gestire l’operatività. Ne abbiamo parlato con Paolo Bonacina, BPO Service Operation Director di Objectway.
Guardiamo al nostro Paese e all’interesse verso gli asset alternativi. Sulla base della vostra esperienza, come si presenta il settore in Italia?
Il nostro Paese offre un ambiente molto dinamico, che sta progressivamente attraendo maggiori capitali e aprendo opportunità non solo per gli investitori istituzionali, ma anche per la clientela retail. Per quanto concerne il real estate, gli investimenti si stanno dirigendo tendenzialmente verso una matrice green e si concentrano sullo sviluppo di infrastrutture per la transizione energetica, quali ad esempio parchi eolici e fotovoltaici, anche se continua ad avere il suo peso sul mercato la gestione dell’immobiliare classico. Il private equity investe in imprese focalizzando oggi le sue attenzioni anche sulle Pmi, trama e ordito del tessuto produttivo ed economico dell’Italia, entrando nell’azionariato, finanziando la loro operatività e sostenendone la crescita. Per le Pmi, infatti, gli investimenti alternativi, anche con l’arrivo dei fondi di Credito rappresentano una forma di finanziamento complementare al tradizionale canale bancario. Nell’ultimo anno e mezzo, infatti, abbiamo riscontrato un incremento degli investimenti nella cessione e gestione dei crediti, intesi come cessione fatture, acquisti ed emissione finanziamenti.
Nell’approcciarsi ad un settore con asset così eterogenei, quali sfide incontrano i professionisti del risparmio?
Innanzitutto bisogna ricordare che all’elevata diversificazione offerta dagli strumenti alternativi corrisponde un altrettanto elevato grado di complessità della loro gestione. Le Sgr si trovano spesso a dover amministrare contemporaneamente asset tra loro molto differenti (basti pensare alla differenza che intercorre tra un credito commerciale e un immobile), ciascuno sottostante a precisi obblighi normativi, regolamentari, fiscali e contabili. Tutto ciò causa un considerevole dispendio di tempo, denaro e capitale umano. Fortunatamente, l’evolvere della tecnologia e la digitalizzazione dei servizi consente oggi una gestione più agile e dinamica, capace di rendere più efficienti e veloci le procedure che intercorrono tra Sgr, authorities e investitori.
Objectway è leader in Italia nell’offerta di servizi e software per il settore del wealth, banking e asset management. A chi si rivolge la vostra offerta per gli investimenti alternativi e come si sviluppa?
Ci rivolgiamo alle Società di gestione del risparmio (Sgr) e ai loro investitori. Grazie alla consolidata esperienza nell’investment operations, Objectway ha maturato un’approfondita conoscenza dei processi e delle esigenze di entrambe le parti. Partendo da ciò, abbiamo sviluppato Objectway Investor and Distributor Portal, uno strumento che aiuta gestori e investitori del settore degli alternatives a beneficiare della digitalizzazione e delle soluzioni offerte dalla tecnologia per semplificare i processi e liberare risorse dall’operatività concentrandole sul core business, fornendo al contempo strumenti efficaci, sicuri e compliant per la collaborazione e comunicazione tra i diversi attori. Dal punto di vista pratico, il portale si integra alla nostra piattaforma di gestione degli alternatives, che offre una copertura funzionale dell’intero processo amministrativo dei fondi alternativi, grazie alla completa integrazione tra attività operative e amministrative e quelle di rendicontazione e compliance con la normativa europea.
Quali sono i vantaggi per le Sgr?
Grazie al portale le Sgr possono raccogliere in maniera agevole tutte le informazioni e i dati relativi ai clienti, pubblicare in maniera trasparente i risultati della propria gestione, condividendo con i propri investitori tutta la documentazione richiesta dalla normativa di riferimento. Allo stesso tempo permette loro di monitorare lo stato di aggiornamento dei dati e dei documenti degli investitori, agevolandone il controllo e la condivisione. Ancora, la soluzione di Objectway permette ai gestori di rendere note ai clienti le proprie iniziative, come ad esempio il lancio di un nuovo fondo o l’organizzazione di un evento. Tutto ciò permette alla Sgr di abbattere notevolmente i costi di gestione, incrementando la produttività.
Quali invece i benefici per gli investitori?
Agli investitori il portale permette di visualizzare lo stato dei loro investimenti presso la Sgr. È infatti possibile verificare la strategia di investimento individuata dai gestori, la performance dei singoli strumenti e la propria movimentazione. Con un semplice click, gli investitori possono visualizzare i dati di dettaglio del fondo, come ad esempio quelli dell’ultimo NAV con il relativo ultimo valore della quota, così come prendere visione dei grafici sull’andamento nel tempo del valore delle quote. Istantaneamente e in forma grafica si ha la possibilità di vedere anche il peso di ogni investimento fatto all’interno del fondo, suddiviso per tipologia e per altri fattori di dettaglio. È infine possibile verificare lo stato di aggiornamento dei propri dati e procedere al download di tutta la documentazione messa loro a disposizione dalla Sgr. Infine, l’Investor and Distributor Portal costituisce un canale di comunicazione diretto tra Sgr e investitore, tramite un sistema di messaggistica sicura, video chat e screen sharing che accelera la condivisione delle informazioni, sempre reperibili e di cui è possibile tenere traccia.
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4 September 2026
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### [Agility as a business](https://objectway.com/agility-as-a-business-kurt-vanhee/)
**Published:** October 27, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Kurt Vanhee, together with Objectway's partner EBRC, deepens on Agility & Cloud in this interview for the EBRC 20th anniversary book.
**Content:**
# Agility as a business
27th October 2022 – Kurt Vanhee, together with Objectway’s partner EBRC, deepens on Agility & Cloud in this interview for the EBRC 20th anniversary book.
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Objectway is a leading global financial technology firm with its new-generation software solutions for the wealth management, asset management and banking industries.
Objectway’s story has started in Italy and have since grown organically and via acquisitions. As well as Milan, there are regional headquarters in Brussels, Dublin, Munich, Zurich and in London. Our revenues are **about €100 million per year**, counting a workforce of more than 800 people.
Thank to our well-established track record in the financial industry, we pursue to deliver the most suitable solutions to our clients, ensuring **efficiency and flexibility**.
What is Objectway’s value proposition?
We are a FinTech soFtware provider that offer Front-to-back solutions and enable the digitalisation of the investment service processes of wealth managers, asset management and banking institutions, providing a suite oF tools From the client portal with its rich Functionality through to back-office systems that process and settle transactions, to mention a few. With its new-generation sotware solutions For the wealth management, asset management and banking industries, Objectway is a leading global financial technology firm. The Objectway group can be a one-stop-shop For Private Banks, Wealth Managers and Asset Managers, or can integrate its proposition with the customers’ Core Banking systems.
How important is the cloud to your strategy?
An additional advantage is that these solutions are also provided as a service via the cloud, so that players oF any size have access. Our clients range From small Family offices managing the assets oF a handFul oF wealthy individuals through to major players who have more than 1,000 users on the system. The client can run our solutions in-house or they can ask us to host it. Over two-thirds oF clients choose this outsourcing option, as it enables firms to control and reduce costs, but also enhance efficiency and flexibility, with cloud being the main enabler to complete a smart digital transFormation journey. We have been working together with EBRC For a long time. Not only do they provide us with the secure, certified technical support we need, but we also wanted our data to be held in Luxembourg with its respected regulatory Framework that guarantees our clients the data security they need. We use this relationship as a selling point For our services. Our cloud-ready solutions leverage a component-based open APIs architecture to easily integrate with third party systems and within the IT inFrastructure oF clients.
How has the company grown?
We started in Italy and have since grown organically and via acquisitions. As well as Milan, there are regional headquar- ters in Brussels, Dublin, Munich, Zurich and in London. Our revenues are about €100 million per year, with us having a workForce oF more than 800 people. Most work in Italy, with over 100 each in the UK and Germany, and about 70 in Belgium. Our market is global, with more than 200 clients in over 15 countries in Europe, North America and Africa.
What are your ambitions?
The success of our customers’ digital transFormation programs is ensured by our set oF Front-to-back, open and cloud-ready solutions that enable digital customer engagement, custo- misation and time-to-market oF products and services, Front-office productivity, back-office operational efficiency, enabling revenue increase and cost reduction For long-term growth. Objectway has a well-established track record in the finan- cial services industry. We are keen to broaden the spectrum oF our Functional coverage and to Further strengthen our position as a key player in the financial services soFtware industry in the EMEA region and globally. Looking ahead, we aim to widen our geographical scope, driven by our proven strategy that combines organic growth and acquisitions.
[Discover more here!](https://www.ebrc.com/en)
Over two-thirds of clients choose this outsourcing option, as it enables firms to control and reduce costs, but also enhance efficiency and flexibility, with cloud being the main enabler to complete a smart digital transformation journey.
[](https://www.linkedin.com/in/kurtvanhee/)### Kurt Vanhee
Managing Director Continental Europe & North America, Objectway
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7 September 2026
[Studie: Veraltete Technologie bremst Wachstum bei Instituten](https://objectway.com/studie-veraltete-technologie-bremst-wachstum-bei-instituten/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Studie: Veraltete Technologie bremst Wachstum bei Instituten
4 September 2026
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**Categories:** Article
**Tags:** #cloud, #digitaltransformation, #markettrends, #one-objectway
---
### [Objectway wins its sixth Goodacre Systems in the City Award](https://objectway.com/objectway-wins-its-sixth-goodacre-systems-in-the-city-award/)
**Published:** July 12, 2019
**Author:** leo aloi
**Excerpt:** Objectway WealthTech Suite wins a Goodacre Systems in the City Award for the “Best Wealth Management System” category.
**Content:**
# Objectway wins its sixth Goodacre Systems in the City Award
12 July 2019 – WealthTech Suite crowned “Best Wealth Management System.”
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Objectway, a leading provider in the Digital Wealth, Investment & Asset Management sector, has added another prize to its trophy cabinet at the 2019 **Goodacre Systems in the City Awards** in London.
“**Best Wealth Management System**”, Objectway WealthTech Suite is the firm’s front-to-back office platform supporting the whole digital investment management process. It enhances the entire advisor-client engagement & collaboration experience and allows you to optimise back-offce operations reducing cost, risk and ensuring compliance.
The company has also been confirmed as an accredited system provider with the 2019 GoodAccredited Standard.
Managed by **Goodacre UK**, the leading specialist consultancy for the securities industry, the awards and the GoodAccreditation standard represent a primary endorsement for suppliers of services and systems to the regulated financial services sector in the UK, recognising the use of effective technology to meet clients’ demands and to comply with regulatory requirements.
This award follows a series of acknowledgements both by industry analysts and clients. This testifies how Objectway WealthTech Suite is increasingly gaining traction in the Wealth and Investment Management industry as the new generation digital platform of choice to respond to the challenges and increasing complexity facing this sector, by enabling you to reach new customers and greater revenue growth.
[](https://www.objectway.com/)### Luigi Marciano
Founder and CEO, Objectway
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**Categories:** Awards
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### [KBC Securities Services selects OBJECTWAY for smart digital client onboarding for independent wealth managers](https://objectway.com/kbc-securities-services-selects-objectway-for-smart-digital-client-onboarding-for-independent-wealth-managers/)
**Published:** December 15, 2020
**Author:** Lorenzo Noventa
**Excerpt:** KBC Securities Services has chosen Objectway to implement Digital Client Onboarding for Benelux-based wealth managers
**Content:**
# KBC Securities Services selects OBJECTWAY for smart digital client onboarding for independent wealth managers
15 December 2020 – KBC Securities Services has chosen Objectway to implement Digital Client Onboarding for Benelux-based wealth managers
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Objectway Client Onboarding accelerates digital onboarding of clients increasing advisers’ productivity and efficiency.
**KBC Securities Services has chosen the leading Digital Wealth & Asset Management software provider Objectway to implement Digital Client Onboarding for independent, Benelux-based wealth managers who rely on KBC Securities Services to safeguard their clients’ investment portfolios.**
A member of the Belgian KBC group, KBC Securities Services is a global player in securities services, providing integrated solutions for banks, brokers and wealth managers. It provides three cornerstone services, namely Business Process Outsourcing (BPO), Brokerage and Custody and Wealth Management, which this digital onboarding process will cover. This enhancement will allow KBC Securities Services’ network of independent wealth managers not only to digitally onboard their clients, but also to offer them a digital signature facility via itsme®.
Objectway’s Client Onboarding solution, which is part of the WealthTech Suite, will replace KBC Securities Services’ manual data input system currently in use and ultimately improve processing throughput times and data quality. Wealth Management Advisers will be able to increase their productivity and efficiency through integrated digital capabilities that accelerate and improve both the onboarding and/or re-boarding process and client account management. With this development, managing and handling paper contracts and related documents is set to become a thing of the past.
Our expertise and proven track record were instrumental in successfully coming through a rigorous selection process involving international vendors. KBC’s Information Security teams thoroughly analysed Objectway’s hosting and infrastructure services before certifying them as compliant with the high standards of their security and personal data management policies.
[](https://www.objectway.com/)### Kurt Vanhee
Managing Director for Continental Europe & North America, Objectway
Client-centric thinking has been part of KBC’s strategy for years. As client expectations have evolved fast, KBC has made significant investments in digital transformation over the past few years. With our recently updated strategy, ‘Differently, the Next Level’, we are focusing more than ever on digital transformation, client experience and operational efficiency. This smart digital onboarding process from software provider Objectway enables us to offer the clients of independent wealth managers a future-proof service, thus increasing productivity and efficiency while maximising client experience.
[](https://www.kbcsecurities.com/)### Annelies Verbiest
General Manager, KBC Securities
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4 September 2026
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### [Objectway delivers full Client Lifecycle Management at Brewin Dolphin](https://objectway.com/objectway-delivers-full-client-lifecycle-management-at-brewin-dolphin/)
**Published:** December 9, 2020
**Author:** Lorenzo Noventa
**Excerpt:** Objectway's Client Lifecycle Management & Onboarding solution has been chosen by Brewin Dolphin to provide superior digital client experience and client relationships
**Content:**
# Objectway delivers full Client Lifecycle Management at Brewin Dolphin
9 December 2020 – Objectway announced they have successfully implemented their client management system at the leading UK wealth manager Brewin Dolphin
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Objectway, a leader in Digital Wealth & Asset Management software, announced they have successfully implemented their client management system at the leading UK wealth manager Brewin Dolphin (LON:BRW).
Earlier this year, the wealth manager reported progress with technology modernisation in line with their digital strategy. Particular mention was made of the upcoming launch of a new client management system, where the firm said that “The key benefits of the new client management system include an improved client experience, from onboarding through to their suitability process, and greater operational efficiencies for our people”.
Implemented by Objectway and Brewin Dolphin’s in-house change and technology teams, the **Client Lifecycle Management & Onboarding** solution (part of the WealthTech Suite) aims to provide superior client experience and sound client relationships through integrated digital capabilities. The solution is designed to manage the entire client life cycle, from prospecting through onboarding, to ongoing service delivery like suitability reviews and other periodic and ad-hoc events. A game-changing capability is the enhanced client-advisor digital collaboration over an ‘opti-channel’ (optimised omnichannel) mix to meet different scenarios and client needs.
During recent months, resilient and natively equipped for digital and remote work, Objectway successfully completed comprehensive training of Brewin Dolphin personnel despite disruptive COVID lockdown restrictions.
This latest project follows the previous successful go-live announced last year, where Objectway implemented the ‘MyBrewin’ client app, providing Brewin Dolphin clients with instant access to current information about their portfolios, asset allocation and investment performance.
Achieving operational scalability and improving client’s and adviser’s engagement are top priorities for wealth management firms today. We are proud that our solutions, Conectus first and Eximius Client Engage, now have helped Brewin Dolphin in this direction.
[](https://www.objectway.com/)### Alberto Cuccu
Objectway UK CEO
Our new Client Engage system will provide a more seamless end-to-end process for our clients, and we will use the enhanced digital capabilities of the system to improve client experience as well as to achieve greater operational efficiencies for Brewin Dolphin.
[](https://www.brewin.co.uk/)### Sarah Houlston
Chief Operating Officer, Brewin Dolphin
Objectway’s Client Lifecycle Management & Onboarding solution was at the centre of recent webinars, award recognitions and publications, and is seeing increasing adoption by a number of wealth management firms.
Objectway has also released a report for download on the matter, “[Are you really engaging with your clients?](https://objectway.com/download-paper-are-you-really-engaging-with-your-clients/)” , explaining how leading Wealth Managers have partnered with Objectway in delivering a new engaging experience to clients and advisors, digitally transforming their business.
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4 September 2026
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### [everyoneINVESTED (KBC AM) partners with Objectway to provide innovative digital investment applications](https://objectway.com/everyoneinvested-kbc-am-partners-with-objectway-to-provide-innovative-digital-investment-applications-2/)
**Published:** November 16, 2020
**Author:** Lorenzo Noventa
**Excerpt:** Asset managers and Financial institutions can now benefit the everyoneINVESTED's 'Profiler', a fast and user-friendly app for creating digital investor profiles, fully integrated in Objectway Wealth & Asset Management platform
**Content:**
# everyoneINVESTED (KBC AM) partners with Objectway to provide innovative digital investment applications
16 November 2020 – everyoneINVESTED and Objectway have entered into a partnership agreement that will enable them to provide professional asset managers and financial institutions with access to everyoneINVESTED’s innovative digital investment technology.
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everyoneINVESTED and Objectway – a leading international player in Digital Wealth & Asset Management software – have entered into a partnership agreement that will enable them to leverage their ambition of providing professional asset managers and financial institutions with access to everyoneINVESTED’s innovative digital investment technology.
The first solution that Objectway will offer the international market is built around everyoneINVESTED’s ‘Profiler’, a fast and user-friendly app for creating digital investor profiles. Thanks to this partnership, other everyoneINVESTED products and developments will in due course also be brought onto the international market – beyond KBC’s core markets – by Objectway.
What is everyoneINVESTED?
Since the end of March, KBC Asset Management has been channelling its expertise in digital investment applications into a new, separate company called everyoneINVESTED. KBC Asset Management has built up a great deal of knowledge and experience in recent years on enriching the investment process by adding insights from behavioural economics. This has resulted in innovations in the area of investor profiling, positioning of investment products and the composition of personalised investment portfolios. everyoneINVESTED makes that digital investment know-how and the applications directly available to professional asset managers, brokers and large investment product providers located beyond the KBC group’s home markets. Entering a partnership with Objectway is fully in line with this objective.
everyoneINVESTED develops software and applications that contribute to the digitalisation of investment processes. This enables clients of everyoneINVESTED to cater for their investors in a more targeted and efficient way and to facilitate the step to digital investing. In addition, everyoneINVESTED’s offering also focuses on scalable, digital support for the advisory function.
Some examples of this are:
- **The Profiler**: a digital and scientifically based app for investor profiling that is now being made available on the international market thanks to the partnership with Objectway;
- **The Page**: an interactive web app that supports investment advisers in discussions with their clients about portfolio construction and potential investment results;
- **The Score**: an accessible and effective app that provides an overview of how individual investment portfolios are aligned with an overarching investment strategy. The app helps ensure that policy is consistent and/or advice is tailored to individual needs.
Besides these solutions, which KBC also uses itself, everyoneINVESTED develops specific apps at the request of professional counterparties.
Innovation is one of the driving forces of our group. In all entities, employees take initiatives to launch, challenge and develop innovative ideas into powerful tools that support our customers and KBC, enabling them to take a step further into the digital world. They are encouraged in this by our corporate values, which give them enough scope to be innovative. This is illustrated in no better way than by everyoneINVESTED. What’s more, the experience and expertise they bring together benefits not just KBC and its stakeholders, but also the investor community as a whole, thanks to the partnership with Objectway.
[](https://www.kbc.com/en.html?zone=topnav)### Luc Popelier
Chairman of the Board of Directors, KBC Asset Management
We are delighted and proud to support our long-standing client, KBC Asset Management, and to work together with their wealth tech spin-off, everyoneINVESTED, in providing financial institutions with access to innovative digital investment technology through our ready-made, quick-to-deploy and easy-to-adapt solutions, and so enable them to embark on a high-quality digital transformation today.
[](https://www.objectway.com/)### Kurt Vanhee
Managing Director Continental Europe & North America, Objectway
Investing is still the least digitalised financial service and that’s something that everyoneINVESTED wants to change. We don’t see digitalisation as an end in itself, but rather a means to make investing more accessible. By combining technology with our know-how of investor behaviour, we can improve the way we approach, serve and inform the user, so that the process becomes much more than just automation. The partnership with Objectway enables us to leverage our ambition of getting everyone invested.
[](https://everyoneinvested.com/)### Jurgen Vandenbroucke
Managing Director, everyoneINVESTED
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4 September 2026
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### [Objectway releases joint report with Compeer “The Wealth Management Firm of 2025”](https://objectway.com/objectway-releases-joint-report-with-compeer-the-wealth-management-firm-of-2025/)
**Published:** February 28, 2020
**Author:** leo aloi
**Excerpt:** In collaboraiton with Compeer UK, the research paper was carried through a series of workshops with Senior Executives from leading UK wealth management firms
**Content:**
# Objectway releases joint report with Compeer “The Wealth Management Firm of 2025”
28 February 2020 – Objectway has announced today the publication of the “The Wealth Management Firm of 2025” report.
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Objectway, a leader in the software and services for the Digital Wealth & Asset Management sector, has announced today the publication of the “The Wealth Management Firm of 2025” report.
Objectway releases joint report with Compeer “The Wealth Management Firm of 2025”. By 2025, an ideal scenario would be to see more scalable firms, with margins increasing and efficiency gains across their front and back offices.
The research paper was carried out in association with Compeer UK, the renowned provider of benchmarking information and services to the Wealth Management industry, through a series of workshops with over 20 Senior Executives from leading UK wealth and investment managers.
The objective of the initiative was to understand the key issues firms are currently facing, the improvements required to make them more scalable and how they see the industry evolving over the next five years.
For wealth management firms, the cost of **Front Office professionals** is by far the greatest expense, and has been steadily rising by 5% per year on average. By 2025, there will be a significant change in the typical day of a Front Office professional, who will spend more time building relationships, with a greater use of a portable device to improve their efficency when client onboarding or sharing information any time, anywhere.
**Client engagement** will largely be driven by the investor, exploiting technology to reduce costs, while preserving the possibility to interact – compliantly.
The **CRM** that firms have could be much more than a database of client information. If fully integrated with front-end tools and back-offices systems, it can evolve into a true client management system covering onboarding, re-boarding, client reviews.
**Back Office costs** have increased by more than 17% between 2013 and 2018. There is an overwhelming demand for incremented automation, which will not only have cost reduction benefits, but will also encourage clients to invest with the firm.
Finally, there will be more attention to the **cloud**, **outsourcing and artificial intelligence** in the near future. Provided it remains inexpensive and is entirely secure, firms are very open to using the cloud. Artificial Intelligence will be used as a support function, possibly through using machine learning to improve Back Office processes or by assisting the Front Office with investment selection, and should not be thought of as a replacement for humans within the business.
To find out more, **download the full report**.
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4 September 2026
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### [Objectway signs with VDK bank to enhance their advisory and portfolio management capabilities](https://objectway.com/objectway-signs-with-vdk-bank-to-enhance-their-advisory-and-portfolio-management-capabilities/)
**Published:** October 1, 2019
**Author:** leo aloi
**Excerpt:** Vdk Bank implements 2 components of Objectway’s WealthTechSuite: Portfolio Manager for branch-based advisory and execution-only capabilities and Investor Portal
**Content:**
# Objectway signs with VDK bank to enhance their advisory and portfolio management capabilities
1 October 2019 – Objectway and VDK bank agreed to implement two components of Objectway’s WealthTech Suite: Portfolio Manager and Investor Portal.
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Objectway, a leader in the Digital Wealth, Investment & Asset Management sector, and VDK bank announced today that they agreed to implement two components of Objectway’s WealthTech Suite: Portfolio Manager will provide portfolio management, branch-based advisory and execution-only capabilities, whilst Investor Portal will enable web apps for end-clients for self-directed investment management at a later stage.
The Objectway WealthTech Suite supports the whole investment management process, enabling the firm to better serve their customers, optimising returns and increasing profitability.
Vdk bank is a premier Belgian-based retail bank, with more than 140.000 clients and 81 branches across the country. Their mission is ‘vdk, your bank, strong in advice, for the most fair return’, striving for a fair balance between return and peace of mind. vdk bank adopted the Objectway solutions in order to provide its clients with an advanced and in-depth advice service, whilst helping them manage their investments even more efficiently.
Advisors will deliver customised investment strategies, by setting risk profiles, goals and proactive alerts. End-clients will be able to invest in a self-service mode or digitally collaborate with their advisor on-line through the introduction of the self-directed investment functionalities into the existing vdk banking web and mobile applications.
We’re delighted VDK Bank has perceived our ability to enhance the entire advisor-client engagement & collaboration experience, aimed at reaching new customers and greater revenue growth. We are committed to ensuring that VDK Bank can easily augment their advisory and portfolio management capabilities.
[](https://www.objectway.com/)### Luigi Marciano
CEO and Founder, Objectway
Thanks to Objectway our clients will benefit from an even more advanced and more personal advice service, targeted at getting the fairest return, baring in mind the principles of durability that vdk bank strives to honor in all the provided services.
[](https://www.vdk.be/nl)### Leen Van den Neste
CEO, VDK bank
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4 September 2026
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### [Objectway recognised by Celent as a key player for client reporting solutions delivering a better client experience](https://objectway.com/objectway-recognised-by-celent-as-a-key-player-for-client-reporting-solutions-delivering-a-better-client-experience/)
**Published:** September 16, 2019
**Author:** leo aloi
**Excerpt:** Discover why Objectway WealthTech Suite Proactive Reporting with Business Alerts has been awarded
**Content:**
# Objectway recognised by Celent as a key player for client reporting solutions delivering a better client experience
16 September 2019 – Objectway achieved recognition from Celent, the renowned research and advisory firm focused on financial services technology, as a key player.
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Objectway achieved recognition from Celent, the renowned research and advisory firm focused on financial services technology, as a key player in the report Client Reporting: the shift in delivery from low-value data to high-value information. Personalised, omnichannel, proactive. Aggregating information from any source across the front-to-back office environment.
Client reporting is evolving from delivering historical information on a periodic basis, to being a tool that encourages symbiotic communication, delivering personalised information in a proactive manner. Objectway’s client reporting features, part of the **WealthTech Suite**, are recognised in the report as enabling the delivery of high-value information.
Personalisation and Engagement
Investors expect to review their own portfolios and receive tailored advice at any point. Through its customisable investor portal and Apps, Objectway enables end-clients to get in real time a full reporting view of their assets, investments, goals, planned incomes, among others. Advisors have a full picture of their clients’ holdings and can generate client reports on the fly, as well as facilitate proactive discussions with them.
Omnichannel, omni-format delivery
Objectway offers different forms of client reporting: traditional PDFs, Apps, secure messaging, or remote collaboration via secure auditable video reporting. Reports can be generated by advisors or Compliance Offices, or requested by clients on demand. Objectway WealthTech Suite also supports proactive reporting with business alerts when, for instance, a suitability review is planned, when a MIFID-II depreciation event is happening, or in case of important updates about investments.
Data Management and Automation
Celent also highlights the information aggregation featured by Objectway. The reporting engine can create an aggregated business model for source-independent reporting, and the reporting services can create reports out of the aggregated business model. This guarantees strong flexibility in report creation, and independence of reports from sources.
Our presence in the Celent report demonstrates our capability to meet the driving forces behind innovation within client reporting: the need of clients to be in control of their investments and in contact with their advisor anytime, anywhere; and a growing demand for personalised and proactive reporting, always meeting compliance requirements.
[](https://www.objectway.com/)### Luigi Marciano
CEO and Founder, Objectway.
Innovative vendors and wealth managers recognise that reporting tools should be used to jump-start the client experience. Across client segments, a “checking the box” approach to investment performance is being supplanted by two-way communication based on the use of natural language technology, storytelling, personalised videos and other new media sources. Scalability and improved time-to-market are among the benefits accrued by the modern wealth manager.
[](https://www.celent.com/)### Will Trout
Head of Wealth Management Research, Celent.
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4 September 2026
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### [Brewin Dolphin launches MyBrewin client app on Apple & Android stores](https://objectway.com/brewin-dolphin-launches-mybrewin-client-app-on-apple-android-stores/)
**Published:** May 29, 2019
**Author:** leo aloi
**Excerpt:** One of the UK’s leading wealth managers has launched it’s ‘MyBrewin client app’ for instant access to current information about Investors' portfolios, asset allocation and performance
**Content:**
# Brewin Dolphin launches MyBrewin client app on Apple & Android stores
29 May 2019 – Brewin Dolphin has launched its ‘MyBrewin app’, an extension of the current MyBrewin online client portal.
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Brewin Dolphin, one of the UK’s leading wealth managers, has launched it’s ‘MyBrewin app’. This new app is an extension of the current MyBrewin online client portal. The client app has been made available both on the iPhone and Apple Watch and Android-based devices, and will provide Brewin Dolphin clients with instant access to current information about their portfolios, asset allocation and performance.
Brewin Dolphin has extended its current MyBrewin online portal to remote channels, particularly to mobile devices, enabling clients to have easier access to their portfolios. The app has all the core features of the MyBrewin portal, plus some features specific to mobile apps such as facial and thumbprint recognition. It is automatically formatted providing the best user experience on the respective screen – tablet, phone or Apple watch.
The technology for this user experience innovation was provided by Objectway UK, leading technology supplier for Wealth Management.
Our commitment to innovation is at the heart of our UK strategy and we firmly believe that with our Objectway WealthTech Suite we are enabling the digital transformation of our clients, which makes them more competitive and profitable, and enables them to connect to customers and their digital lifestyle.
[](/wp-content/uploads/2020/09/Cuccu_Large-1.png)### Alberto Cuccu
CEO UK, Objectway
How clients wish to access information is changing and we have developed our client app in response to this. We are strategically committed to technology innovation and offering clients a superior user experience, enabling them to access their portfolios where they want and how they want.
[](https://www.brewin.co.uk/)### Grant Parkinson
Chief Operating Officer, Brewin Dolphin
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### [Rabobank implements Objectway's Discretionary & Fund Portfolio Management](https://objectway.com/rabobank-implements-objectway-discretionary-and-fund-portfolio-management-to-improve-client-performance/)
**Published:** October 10, 2015
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway has announced that Netherlands-based Rabobank, went successfully live with their Discretionary & Fund Portfolio Management Solution.
**Content:**
# Rabobank implements Objectway’s Discretionary & Fund Portfolio Management
10th October 2015 – Objectway, global TOP-100 FinTech provider of as-a-service software and service growth platform to banks, wealth and asset managers, announced that Netherlands-based Rabobank, went successfully live with their Discretionary & Fund Portfolio Management Solution.
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The solution is part of the bank’s strategic IT simplification and renewal program. Thanks to Objectway, Rabobank clients will receive consistent performance and performance attribution reporting, regardless of the channel through which the information is presented, be it paper, the Rabobank portal, or one of the Rabobank apps.
In the second phase of the project, Objectway’s Discretionary & Fund Portfolio Management Solution will become the single database and engine for all client investment portfolio reporting, both on paper and through the bank’s portals and apps.
Rabobank needed a system that was capable of supporting the sophisticated performance and performance attribution reporting requirements of its clients. The bank chose Objectway from amongst 10 competing vendors for its best-in-class performance and reporting functionality, as well as its ability to adapt to the bank’s innovation requirements as they evolve over time.
[](https://www.linkedin.com/in/jos-martens-0a363b/)### Jos Martens
Senior Business Development Manager, Objectway
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4 September 2026
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### [Objectway Acquires Die Software Peter Fitzon, Leading German Core Banking Software Specialist](https://objectway.com/objectway-acquires-die-software-peter-fitzon-leading-german-core-banking-software-specialist-global/)
**Published:** August 11, 2021
**Author:** Lorenzo Noventa
**Excerpt:** Objectway, Global Top 100 fintech provider of Digital Wealth and Asset Management software, acquired Die Software Peter Fitzon GmbH, a primary German provider of Core Banking solutions.
**Content:**
# Objectway Acquires Die Software Peter Fitzon, Leading German Core Banking Software Specialist
11 August 2021 – Objectway, Global Top 100 fintech provider of Digital Wealth and Asset Management software, acquired Die Software Peter Fitzon GmbH, a primary German provider of Core Banking solutions.
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Objectway, Global Top 100 fintech provider of Digital Wealth and Asset Management software, acquired Die Software Peter Fitzon GmbH, a primary German provider of Core Banking solutions.
Objectway provides leading financial institutions with state-of-the-art technology to support their digital transformation programs, supplying front-to-back, intelligent and cloud-ready solutions that power up customer engagement, front-office productivity and back-office operational efficiency.
Die Software is a leading provider of Core Banking solutions in German-speaking Europe, with more than 35 years of market presence. Its platform fulfils the needs of prominent private banks, retail banks and central banks in the DACH area and in Luxembourg.
With this acquisition, Objectway complements and strengthens its Wealth and Asset Management offerings with a solid and comprehensive Core Banking platform. This creates an open, modular, end-to-end banking suite geared to support the digital transformation of private banks, retail banks, wealth and asset managers, further driving the future expansion in EMEA and globally.
As an EMEA leader in digital banking solutions, Objectway will now serve more than 200 clients in the region, boosting revenues in excess of €100 million.
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### [Robo for Advisor: la sofisticazione resa semplice](https://objectway.com/robo-for-advisor-la-sofisticazione-resa-semplice/)
**Published:** December 13, 2021
**Author:** Lorenzo Noventa
**Excerpt:** Le soluzioni di Robo for Advisor migliorano costantemente la personalizzazione del servizio. La sofisticazione resa semplice attraverso un ecosistema “bank as a service” onnicomprensivo.
**Content:**
# Robo for Advisor: la sofisticazione resa semplice
13 Dicembre 2021 – Nel mondo del banking, la trasformazione digitale ha inevitabilmente portato a cambiamenti radicali nel comportamento e nelle aspettative del cliente, spostando grandi volumi di transazioni verso l’online.
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In occasione del Wealth Management Forum organizzato da ABI lo scorso 25 novembre, abbiamo avuto il piacere di presentare insieme a CheBanca! come la nostra soluzione di Robo for Advisor supporti le istituzioni finanziarie nell’affiancare alla digitalizzazione della relazione consulente-cliente anche quella dei processi interni, potenziando e sfruttando pienamente la sinergia tra le strutture centrali e la rete.
Nel mondo del banking, la trasformazione digitale – ulteriormente spinta dalla pandemia – ha inevitabilmente portato a cambiamenti radicali nel comportamento e nelle aspettative del cliente, spostando grandi volumi di transazioni verso l’online e orientando l’interesse degli investitori verso gli strumenti di interazione digitale. Secondo i dati forniti da CheBanca!, oltre il **96%** dei propri clienti **utilizza i canali digitali** – app e internet banking – con una crescita annua dell’8% con riferimento a chi utilizza il canale mobile. Quest’anno, la banca ha registrato inoltre il **raddoppio delle interazioni** tra cliente e advisor **in web collaboration**, con il 70% circa delle proposte di investimento presentate e discusse attraverso questo strumento.
Verso un approccio full digital bi-direzionale…
Il cliente ha da sempre ricoperto un ruolo essenziale nel mondo dell’Asset e Wealth Management.
Il punto è come porlo davvero al centro della banca. A nostro avviso, è necessario andare oltre il concetto di centralità del cliente per realizzare un ecosistema “bank as a service” onnicomprensivo, che comporta la digitalizzazione anche dei processi interni all’istituto.
Dal nostro osservatorio privilegiato, conosciamo le molteplici eccellenze presenti all’interno delle banche e, al contempo, la difficoltà di rendere disponibili a tutti strumenti digitali di interazione e collaborazione, per rendere più efficace la comunicazione e i servizi ai clienti. Adottando un approccio full digital e bi-direzionale è possibile potenziare le sinergie tra consulenti e strutture centrali valorizzando le eccellenze interne della banca, per offrire al cliente tutti i benefici che ne derivano.
…grazie agli strumenti di Robo for Advisor
Questo obiettivo si realizza facendo in modo che il flusso delle informazioni passi dalla banca verso il cliente e viceversa. Grazie agli strumenti di Robo for Advisor, è possibile condividere con i consulenti finanziari strategie di investimento, scenari di analisi e storytelling che accompagnino le proposte d’investimento evidenziandone caratteristiche e vantaggi. Allo stesso modo, i feedback raccolti digitalmente dalla rete vengono strutturati per personalizzare, in modo massivo e in pochi secondi, le proposte d’investimento in base alle esigenze del singolo cliente.
Parliamo di **soluzioni evolute che semplificano la sofisticazione**, in grado di generare rapidamente scenari accurati di analisi anche su un numero elevato di portafogli, insieme ad idee, opportunità e proposte di investimento ad hoc sulla base dei reali bisogni e feedback dell’investitore.
Queste soluzioni, integrate e operanti in modo sinergico con sistemi e strutture della banca, gestiscono il feedback del cliente integrandolo negli obiettivi di investimento, migliorando costantemente il servizio personalizzato. E al contempo eseguono in tempi rapidi compiti ripetitivi e complessi, garantendo al consulente la possibilità di concentrarsi sulla gestione della relazione.
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---
### [AI in Financial Services? Rest assured it’s here to stay!](https://objectway.com/ai-in-financial-services-a-transformative-force-for-a-long-term-strategy/)
**Published:** September 18, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** The financial services industry is navigating digital transformation, and at its core is the integration of Artificial Intelligence
**Content:**
[  ](/market-trends/)
###### September 18, 2023
# AI in Financial Services? Rest assured it’s here to stay!
[Marianna Vilardi](https://linkedin.com/in/marianna-vilardi-1bb057163/)
Senior Marketing Content Creator
Reading time: 5 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Artificialintelligence](/artificial-intelligence/)[\#Automation](/automation/)[\#Hyperpersonalisation](/hyper-personalisation/)[\#RiskManagement](/risk-management/)[\#Clientrelationship]()
Our industry is navigating digital transformation, and at its core is the integration of Artificial Intelligence. To gain insights into the industry’s perspective, we conducted a brief LinkedIn survey among professionals. The results sparkled with insights, with a significant majority believing that AI is not just a passing trend but a transformative force.
AI’s growing influence
Our brief survey revealed that 44% of respondents believe AI is here to stay, while another 40% consider it a differentiator. These statistics underscore the industry’s growing reliance on AI as a long-term strategy. AI’s ability to automate mundane tasks, streamline operations, and enhance decision-making processes has made it an indispensable tool for financial institutions.
According to the majority of respondents (56%), one of the most significant advantages of AI is its ability to automate repetitive and time-consuming tasks, thus enhancing processes. Previously, financial institutions had to rely only on manual data entry and analysis, which may be error-prone but also consumed a significant amount of time and resources. AI-powered solutions have stepped in to streamline these processes. Tasks like data entry, reconciliation, and report generation can now be handled by AI, reducing the risk of errors and allowing human employees to focus on more strategic and value-added activities.
Automating compliance comes just after in terms of advantages. 22% of respondents agree that AI can assist financial institutions in automating regulatory compliance processes, ensuring adherence to complex regulations, which is indeed a critical aspect of our industry. For example, AI-powered systems can analyse and monitor transactions, customer data, and other relevant data to identify compliance risks and flag potential violations.
Improving personalisation and reducing risk and cost were ranked similarly. 11% of respondents saw these as the greatest potential for AI.
For instance, personalised customer communication is another hallmark of AI in financial services. Tools analyse text and speech from consumer interactions, leading to the implementation of ‘chatbots’ on websites. Generative AI allows for personalized communication in various forms, from text to multimedia, in any language. Machine learning algorithms analyse customer data to provide personalised financial advice and solutions tailored to each customer’s needs.
Also, it seems AI’s analytical capabilities play a crucial role in risk management. By analysing vast amounts of data, AI can identify patterns and potential risks, helping financial institutions make informed decisions. Additionally, automation reduces operational costs, making AI an attractive option for financial organizations.
Challenges and Opportunities on the horizon
Although potential benefits are many, people still detect factors that may affect their consideration when it comes to the implementation of AI. One of the most significant considerations is the high cost associated with such technology, cited by 21% of respondents. These costs are acting as a deterrent, preventing many firms from embracing AI across various aspects of their organisations. Another concern, mentioned by 32% of those surveyed, is the [increasing threat of cyberattacks](/one-deadline-ahead-in-operational-resilience-now-off-to-the-next/). That’s because, in the post-GDPR era, safeguarding client data has become paramount, and the integration of AI must ensure data security remains intact.
Lack of confidence in AI technology also ranks high, with the same percentage of respondents expressing reservations. This may stem from AI altering or replacing jobs, concerns about the quality of data used in AI algorithms, and doubts about the integrity of the algorithms themselves. Finally, 16% of respondents are concerned about maintaining strong client relationships; we see AI as a potential solution to complement human abilities rather than replacing them. Indeed, by automating repetitive tasks, AI can free up financial advisors’ time, allowing them to focus on building more personalised, valuable relationships with clients. To fully harness these benefits, it’s essential for banks to embed AI at every stage of the customer relationship, ensuring a seamless blend of human expertise and technological innovation.
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**Categories:** #ArtificialIntelligence, #Automation, #ClientRelationship, #HyperPersonalisation, #RiskManagement, Market Trends
---
### [Objectway’s Survey Report Reveals Key Factors to Lead the ESG Race](https://objectway.com/objectways-survey-report-reveals-key-factors-to-lead-the-esg-race/)
**Published:** March 19, 2021
**Author:** Lorenzo Noventa
**Excerpt:** Investigate and learn what stage is reached in terms of ESG integration within a risk aware investment process
**Content:**
# Objectway’s Survey Report Reveals Key Factors to Lead the ESG Race
19th March 2021 – Objectway, a leader in the Digital Wealth & Asset Management software, released the survey report **“Are you ready for ESG?”**
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Objectway’s survey report reveals key factors to lead the ESG race.
Highlights:
**– wealth & investment firms are not ESG-ready yet
– client demand is the top ESG driver
– total portfolio approach will discriminate leaders from laggards for returns and client engagement**
Objectway, a leader in the Digital Wealth & Asset Management software, released the survey report **“Are you ready for ESG?”**, revealing **a glimpse of the market on ESG investments**, one of the greatest areas of change that wealth firms expect. A field that the crisis triggered by the pandemic has highlighted as playing a crucial role in economic recovery, in addition to the importance of establishing efficient risk management.
The report is based on the results of the web-based survey that Objectway conducted in March 2021, and filled in by UK and European Wealth & Investment Management firms. The sample of opinion leaders was composed by 70% of small-medium businesses and 30% of large enterprises.
The survey report investigated what stage is reached in terms of ESG integration within a risk aware investment process, and its implications on the digital experience.
Firms seem to be not properly ESG ready yet, with only **39%** of respondents who has already **implemented a specific ESG policy**, while **22% lacking a policy** and **39% in progress** of developing it. Early adopters that are integrating ESG in their strategy will then have a competitive advantage. This benefit will be reflected both in terms of client engagement and of higher efficiency and returns. Investors see ESG as a real differentiator between firms. Many would consider to leave their wealth manager, based on the quality of their ESG offering and how it is delivered to them. Coherently, **45%** of respondents affirmed that **ESG** are primarily **adopted to satisfy clients’ requests**, proving that now more than ever ESG is at the top of their priorities. When asked if the investment process was supported by a **fully integrated platform**, just 7% answered positively, while a remarkable **87%** declared they **do not have** a vertically integrated risk management solution.
Survery’s results highlight how investors demand was the main driver for wealth managers to implement sustainable investing. Fulfilment of these preferences is therefore a golden opportunity to engage with them. Such a process requires an end-to-end ESG & RISK aware investment system, which 87% declared not to have. We provide a solution where the ex-ante analysis of risk and sustainability are tested and validated by ex-post monitoring, resulting in stronger returns and higher quality of investments, relied on processes that take into account risk tolerance and the characteristics of the end customer, respecting the sustainability criteria.
[](https://www.objectway.com/)### Alberto Cuccu
CEO International, Objectway
The full survey report is available for download here: **[objectway.com/insights/](https://objectway.com/insights/)**
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### [Objectway Listed in March 2021 Gartner report Integrate Advisor-Supporting Wealth Management Technologies Into Digital Platforms To Accelerate Adoption](https://objectway.com/objectway-listed-in-march-2021-gartner-report-integrate-advisor-supporting-wealth-management-technologies-into-digital-platforms-to-accelerate-adoption/)
**Published:** April 14, 2021
**Author:** Lorenzo Noventa
**Excerpt:** See the ranking of vendors of advisor technologies for financial planning, portfolio management, client collaboration tools, and as an all-in-one wealth platform
**Content:**
# Objectway Listed in March 2021 Gartner report Integrate Advisor-Supporting Wealth Management Technologies Into Digital Platforms To Accelerate Adoption
14th April 2021 – Objectway was mentioned by Gartner in the March 2021 edition of Integrate Advisor-Supporting Wealth Management Technologies Into Digital Platforms to Accelerate Adoption.
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Objectway was mentioned by Gartner in the March 2021 edition of the report Integrate Advisor-Supporting Wealth Management Technologies Into Digital Platforms to Accelerate Adoption: WealthTech Suite fulfils today’s need for advisor desktop, being ready for tomorrow’s broader digital ecosystem.
Objectway was mentioned again by Gartner, the world’s leading information technology research and advisory company, in the March 2021 edition of the report Integrate Advisor-Supporting Wealth Management Technologies Into Digital Platforms to Accelerate Adoption1. Objectway was acknowledged as a representative vendor of advisor technologies for financial planning, portfolio management, client collaboration tools, and as an all-in-one wealth platform.
Objectway was also included in two new categories of the Gartner report, such as **Automated Onboarding/Customer Life Cycle Management** and **Proposal and Risk Tolerance Solutions**.
According to **Gartner**, “Client onboarding and life cycle management continue to be areas of both focus and struggle for wealth management firms. Although firms have been reporting that expanding automated client onboarding has been a priority for years now, Gartner’s most recent survey of financial advisors indicates that not much progress has been made. In fact, only 26% of surveyed advisors indicated that automated client onboarding technology was available at their firm, and an even smaller percentage (14%) were actually using the solution. Although usage is low, effectiveness ratings are high, with 87% of advisors ranking the technology as effective.”
Further, **Gartner** notes, “Aligning suggestions with clients’ risk tolerance and appetites is an imperative. Some firms will also use their financial planning solutions to suggest appropriate asset classes for portfolios to align with goals and combine with portfolio management to show actual securities and products that will align with needs. The latter example will become more prevalent as firms shift from a product focus to one of holistic advice delivery as simple asset allocation becomes commoditised. Advisors will align portfolio construction with multiple goals and, thus, potentially complex sleeves of investments designed on unified managed account platforms with multiple investment and account types. Before prospects become clients, however, advisors need to demonstrate the solutions they are suggesting, and proposal and risk assessment tools, whether packed or separate, will play a role in that.”
Objectway is seeing an acceleration in the roll out of digital tools for advisors’ desktop, in line with Gartner’s findings, but one of the biggest barriers to increase advisors’ effectiveness remains the factual adoption of these applications.
To increase advisor productivity and facilitate the use of these solutions, advisers need to experiment a seamless experience across the advisor desktop. This requires integration of all the desktop components, automated workflows and relying on an ecosystem partner able to deliver a true digital transofrmation with a strategic approach.
[](https://www.objectway.com/)### Luigi Marciano
Group CEO, Objectway Group CEO
*Gartner does not endorse any vendor, product or service depicted in its research publications, and does not advise technology users to select only those vendors with the highest ratings or other designation. Gartner research publications consist of the opinions of Gartner’s research organization and should not be construed as statements of fact. Gartner disclaims all warranties, expressed or implied, with respect to this research, including any warranties of merchantability or fitness for a particular purpose.*
1Gartner, Integrate Advisor Supporting Technologies Into Digital Platforms to Accelerate Advisor Adoption, Darrin Courtney, 16 March 2021
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### [Objectway e Quantyx Advisors insieme per la gestione degli investimenti alternativi](https://objectway.com/objectway-e-quantyx-advisors-insieme-per-la-gestione-degli-investimenti-alternativi/)
**Published:** April 20, 2021
**Author:** Lorenzo Noventa
**Excerpt:** Objectway e Quantyx Advisors insieme per agevolare lo scambio dei flussi operativo-contabili e l’analisi del rischio per l’efficienza e produttività delle SGR
**Content:**
# Objectway e Quantyx Advisors insieme per la gestione degli investimenti alternativi
20th April 2021 – Objectway e Quantyx Advisors hanno annunciato l’avvio di una collaborazione per mettere a fattor comune le rispettive competenze e soluzioni per la gestione dei Fondi Alternativi da parte delle SGR.
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Objectway, leader nel software e servizi per il Digital Wealth & Asset Management, e Quantyx Advisors, società specializzata in servizi e soluzioni di Risk Management e di Asset Valuation per Fondi di Investimento Alternativi (FIA), hanno annunciato l’avvio di una collaborazione per mettere a fattor comune le rispettive competenze e soluzioni per la gestione dei Fondi Alternativi da parte delle SGR. Questa sinergia – unica sul mercato – agevola lo scambio dei flussi operativo-contabili e l’analisi del rischio per l’efficienza e la produttività delle SGR.
In Italia si è assistito ad un crescente interesse verso questa tipologia di asset class, sia in termini di controvalore complessivo che di numerosità degli operatori, con la conseguente esigenza da parte dei gestori di coprire un target di clientela più vasto e variegato, di gestire volumi crescenti e gli adempimenti normativi che ne conseguono.
La necessità di un’elevata efficienza operativa nel completo rispetto dei vincoli normativi sta alimentando la richiesta di piattaforme fortemente configurabili e aperte per consentire una rapida integrazione di fonti terze e un colloquio agile con gli enti regolatori e di controllo.
Sulla base di queste esigenze, **la sinergia – unica sul mercato – tra le soluzioni di Objectway e Quantyx Advisors** intende agevolare lo scambio dei flussi operativi al fine di ottimizzare l’analisi del profilo di rischio di ogni singolo FIA nel pieno rispetto dei requisiti normativi, e consentendo alle SGR di dedicarsi al core business della gestione e promozione dei fondi, risparmiando tempo e ottimizzando l’efficienza delle proprie risorse.
**Objectway** offre una copertura funzionale completa dell’intero processo operativo amministrativo – contabile e di rendicontazione dei FIA, permettendo di ottenere una piena integrazione dell’operatività dalla gestione dei partecipanti, alla contabilità, in ottemperanza con le normative italiane ed europee.
**Quantyx** offre modelli e soluzioni di Risk Assessment a livello di Fondo e di singolo Asset, con un approccio bottom up unico sul mercato e fondato su key risk indicators specifici per ciascuna tipologia di Asset Class, compliant alla normativa AIFMD.
La nostra priorità è soddisfare le esigenze delle funzioni di Risk Management, Asset Valuation e Portfolio Management di Gestori e Investitori, permettendo ai nostri clienti di concentrare i propri sforzi nelle loro attività “core” di gestione, monitoraggio e selezione di veicoli di investimento in strumenti di Private Markets.
[](https://www.novobanco.pt/)### Paolo Orlandi
Head of Business Development, Quantyx Advisors
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### [Objectway in WealthTech100 list of tech companies transforming the global investment and banking industries](https://objectway.com/objectway-in-wealthtech100-list-of-tech-companies-transforming-global-investment-and-banking-industries/)
**Published:** May 4, 2021
**Author:** Lorenzo Noventa
**Excerpt:** 2021 Top 100 innovative software providers of digital transformation solutions, for asset managers, private banks and financial advisors
**Content:**
# Objectway in WealthTech100 list of tech companies transforming the global investment and banking industries
4th May 2021 – Objectway has been included in the annual WealthTech100 list
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Objectway, a leader in the Digital Wealth & Asset Management software, has been included in the annual WealthTech100 list for the third year in a row: the prestigious list recognises the world’s most innovative tech solution providers.
The 2021 WealthTech100 was launched today by specialist research firm FinTech Global. The prestigious list recognises the **world’s most innovative tech solution providers** addressing the digital transformation challenges and opportunities faced by asset managers, private banks and financial advisors.
The WealthTech industry has grown dramatically over the last four years. Total funding to the sector has more than tripled since 2016 from $2.8bn to $9.3bn at the end of 2020, according to figures published by FinTech Global.
As a result, this year’s process to identify the leading 100 companies in the WealthTech space was more competitive than ever. A panel of analysts and industry experts voted from a list of over 1,000 businesses. The finalists were awarded a place on the list for their **innovative use of technology to solve a significant industry problem**, or to generate cost savings or efficiency improvements across the investment value chain.
The WealthTech 100 lists the firms that wealth and asset management leaders need to consider for their digital transformation strategies and new business models. The consecutive inclusion in the top 100 makes us proud and fosters our plans to constantly improve our cutting-edge proposition and effective delivery.
[](https://www.objectway.com/)### Luigi Marciano
Group CEO and Founder, Objectway
Established banks and investment firms need to be aware of the latest innovations to remain competitive in the current market, which is heavily focused on digital distribution and increased use of customer data, and even more so post Covid-19. The WealthTech100 list helps senior management filter through all the vendors in the market by highlighting the leading companies in sectors such as client acquisition, financial planning, portfolio management and digital brokerage.
[](https://member.fintech.global/)### Richard Sachar
Director, FinTech Global
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4 September 2026
## Sign Up for our Newsletter
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### [The future of Wealth Management is Hyper-Personalised](https://objectway.com/the-future-of-wealth-management-is-hyper-personalised/)
**Published:** June 7, 2021
**Author:** Lorenzo Noventa
**Excerpt:** What is Hyper-Personalisation of the Investment Proposal and how to achieve it
**Content:**
# The future of Wealth Management is Hyper-Personalised
7th June 2021 – Objectway publishes today the survey report “Are you developing a hyper-personalised strategy?” describing the results of the online survey filled out by domestic and overseas Wealth & Investment Managers.
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Objectway’s brand-new survey report explains why and how
Highlights:
– A top priority in the digital agenda
– Hyper-personalisation of investment proposals is the most relevant goal
– Far from a data-driven culture
– Hyper personalisation is mostly useful to elevate customer experience
Objectway, a leader in the Digital Wealth & Asset Management software, publishes today the survey report *“Are you developing a hyper-personalised strategy?”* describing the results of the online survey filled out by domestic and overseas Wealth & Investment Managers.
The paper illustrates interesting findings on **the applications of hyper-personalised services in Wealth Management**, and how firms are leveraging them to increase the customer base and ensure their future growth.
A top priority in the digital agenda
More than half of the surveyed wealth managers have developed or are working on a hyper-personalisation strategy, showing that it’s going to become a top priority of their digital agenda, particularly now, as it could represent the future of customer engagement post-Covid.
Hyper-personalisation of investment proposals is the most relevant goal
4 out of 10 respondents are implementing hyper-personalised portfolio construction and product recommentations, where artificial intelligence, data analytics and machine learning are applied to create personalised proposals, which is the most important achievement, according to one third of the surveyed panel. Bespoke financial planning (18%) and risk profiling (18%), and reporting (16%) are equally placed, underlining that leveraging advanced technology to analyse client behaviour enables to provide a well-rounded tailored advice on investment decisions.
Far from a data-driven culture
Only 25% of interviewees can effectively rely on behavioural sciences and sentiment analysis to personalise client experience, while most of the respondents (67%) would like to leverage them. Financial advice and reporting are usually data-driven, but the information used to this purpose is generally very limited. So, there is a long way to go before AI-driven technology will be at the centre of hyper-personalisation in Wealth Management.
The full survey report from Objectway can be downloaded **here**: [objectway.com/insights/](https://objectway.com/insights/)
On June 15th Objectway and EveryoneINVESTED will host a webinar, reserved to financial institutions, where they will reveal how to leverage investor risk profiling, gamification and behavioral technology to boost conversion of digital onboarding processes and enable superior advice for a long-term relationship: to register[ CLICK HERE](https://objectway.clickmeeting.com/unlock-your-business-growth-with-hyper-personalisation/register).
To hyper-personalise the client experience, investor’s information and preferences should be captured at all touch points of the client journey. Almost half of respondents argues that the use of hyper-personalisation is essentially aimed at elevating customer experience and consequently to gain a competitive advantage. So far, the Wealth Management industry has still to work on it. This confirms that it will be a major topic for the years to come.
[](https://www.objectway.com/)### Alberto Cuccu
CEO International, Objectway
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[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
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[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
[Studie: Veraltete Technologie bremst Wachstum bei Instituten](https://objectway.com/studie-veraltete-technologie-bremst-wachstum-bei-instituten/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Studie: Veraltete Technologie bremst Wachstum bei Instituten
4 September 2026
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### [Objectway Releases Joint Research with Compeer “Setting the Digital Agenda for the Next Normal” in Wealth Management](https://objectway.com/objectway-releases-joint-research-with-compeer-setting-the-digital-agenda-for-the-next-normal-in-wealth-management/)
**Published:** July 22, 2021
**Author:** Lorenzo Noventa
**Excerpt:** Objectway Releases Joint Research with Compeer “Setting the Digital Agenda for the Next Normal” in Wealth Management.
**Content:**
# Objectway Releases Joint Research with Compeer “Setting the Digital Agenda for the Next Normal” in Wealth Management
22nd July 2021 – Objectway published the research paper “***Setting the Digital Agenda for the Next Normal***” in UK Wealth Management, commissioned in association with the premier provider of business performance benchmarking, Compeer.
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The digital offering generates a competitive advantage for client attraction and retention
Objectway, a Global Top 100 fintech leader in the Digital Wealth and Asset Management software, today published the research paper “***Setting the Digital Agenda for the Next Normal***” in UK Wealth Management, commissioned in association with the premier provider of business performance benchmarking, Compeer.
The findings are based upon a series of face-to-face interviews conducted with a variety of UK Wealth Management firms, including Private Banks, Investment Managers, Full Service Wealth Managers and execution-only Stockbrokers. The research investigated the main themes that will be setting the Wealth Managers’ digital agenda, and consequently how their IT spending will be gaining momentum from digital change achieved during the pandemic.
Digital Transformation
When questioned about the relevance of digital services in achieving their business objectives, wealth managers indicated the **acquisition of new customers** as the most important. Indeed, firms see the digital offering as a method to differentiate themselves in the market.
Closely after this, there is the provision of existing **services** in a more **cost-efficient** and **scalable** way.
Digital is recognised as a means to improve the client experience, whilst reporting and onboarding are currently the key areas of focus which cause frustration for both staff and clients.
During the pandemic, digital tools have demonstrated their value.
In 2020, **total IT costs have risen by 15.1%** , almost double the previous year (7.8%), as firms raced to upgrade their digital capabilities.
Now firms are looking at how to add more value across the front office and client lifecycle, capitalising on the appetite for digital from both staff and clients.
Client Experience
The major concern firms highlighted is the challenge of building the same level of relationship and trust with clients digitally that can be achieved in person. Despite this concern, data shows that **annual client inflows** for wealth managers were **up to £123bn** in 2020, from £112bn in 2019.
Despite the recent increase in demand for face to face meetings from clients due to the progressive loosening of social distancing measures, firms are expecting to continue delivering and enriching their digital wealth services, **finding the right balance between traditional and digital services** based on each client’s preferences.
Drawing value from client’s data to drive decision making and **build a hyper-personalised service** is expected to be the further step of an effective digital strategy. There is no doubt over the potential of **Artificial Intelligence** to do so.
ESG & Sustainable Finance
The main drivers for firms’ ESG strategies relate to keeping up with the upcoming regulatory requirements, generating alpha, responding to client demand and the opportunity to attract new clients and to increase assets under management.
Predictably, **all wealth managers see ESG as a commercial opportunity** . Nevertheless, interviews revealed that one of the major hurdles in their ESG strategy is how to demonstrate their ESG culture to clients.
Firms are currently at various stages of readiness with respect to ESG policy in place, the vast majority of them being in the process of creating one.
A successful ESG proposition will build on trust and transparency with clients. Wealth managers will have to demonstrate their ESG values align with those of their clients by making it simple to interpret ESG data and understand the impact on their investments.
To find out more, [download the full research paper](https://objectway.com/download/).
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4 September 2026
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### [Objectway appoints Karl im Brahm as CEO for the DACH region and Group Banking Practice Leader](https://objectway.com/objectway-appoints-karl-im-brahm-as-ceo-for-the-dach-region-and-group-banking-practice-leader/)
**Published:** February 1, 2022
**Author:** Lorenzo Noventa
**Excerpt:** Karl will lead the Die Software Objectway Group entity continuing the growth strategy in the German-speaking private banking and wealth management markets.
**Content:**
# Objectway appoints Karl im Brahm as CEO for the DACH region and Group Banking Practice Leader
1st February 2022 – Objectway has announced today the appointment of Karl im Brahm as Chief Executive Officer of Die Software Objectway Group.
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Objectway, a global top 100 wealth, banking & asset management software provider, has announced today the appointment of Karl im Brahm as Chief Executive Officer of Die Software Objectway Group. Karl will lead the Die Software Objectway Group entity as the Group continues its expansion in the German-speaking private banking and wealth management markets, as part of its long-term growth strategy for the region. Moreover, he will lead the Banking Practice at group level.
Karl joins Objectway’s management team to develop and execute the group expansion strategy in the DACH region and in the core banking market in Europe.
Karl im Brahm brings more than 28 years of experience in the banking sector with significant expertise in leading digital transformation. Prior to joining Objectway, Karl was responsible for all activities of the Avaloq Group in the German market. Among other positions, he was a member of the extended executive board of the Deutsche Postbank AG as well as a member of the executive board for S Broker AG & Co. KG and with the Deutsche Wertpapier Service Bank AG. He also held senior executive roles at major German banks on digitisation and sales projects.
With the acquisition of Die Software in August 2021, Objectway has strengthened and broadened the offering of Wealth and Asset Management solutions with a reliable and complete Core Banking platform to support the digital transformation of private banks, wealth and asset managers.
Karl will drive the expansion of the Objectway Group in the DACH region delivering on this combined value proposition, set to enhance end-customer digital and personalised experience, improve front-office productivity, innovate investment services, enable process automation and achieve operational scalability.
We are enthusiastic to have Karl bringing his deep experience in the sector and knowledge of the market to lead our plans for growth. The DACH market and the core banking segment are major growth areas for Objectway and Karl’s expertise and leadership enable us to accelerate our expansion and bring significant business opportunities to market our offering in the Banking space.
[](https://www.objectway.com/)### Luigi Marciano
CEO and Founder, Objectway
I am delighted to join the Objectway team and thrilled to pursue the company’s growth in a context of increased pressure for banks to integrate new technologies and to modernise their core systems. Customer centricity, end-to-end process digitisation, and sustainable profitability stand out as the top three agenda items for banking decision makers in the German-speaking region, where Objectway’s proposition is aimed at enabling a long-term competitive advantage for them.
[](https://www.objectway.com/)### Karl im Brahm
Chief Executive Officer, Objectway Group DACH Region.
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4 September 2026
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### [Objectway joins Euronext's TechShare programme](https://objectway.com/objectway-joins-euronexts-techshare-programme/)
**Published:** February 18, 2022
**Author:** Lorenzo Noventa
**Excerpt:** Objectway joins the pan-European pre-IPO educational programme that supports technology companies aiming to go public.
**Content:**
# Objectway joins Euronext’s TechShare programme
18th February 2022 – Objectway joins TechShare, the pan-European pre-IPO educational programme by Euronext supporting technology companies aiming to go public.
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Objectway, a global top 100 wealth, banking & asset management software provider, joins TechShare, the pan-European pre-IPO educational programme by Euronext supporting technology companies aiming to go public. The firm is among the 16 Italian companies selected to take part in TechShare, Euronext’s pan-European pre-IPO educational programme that supports technology companies aiming to go public.
Now in its seventh edition, this year 121 Tech companies will take part in the programme in ten European countries: Belgium, France, Germany, Ireland, Italy, the Netherlands, Norway, Portugal, Spain, and Switzerland.
In Italy, the program kicked off on February 14th with 16 companies, selected to participate in six months of training through workshops both in Italy and abroad. Euronext’s TechShare platform will help raise awareness of companies in the Tech sector.
The selected companies have in common **high growth** and the theoretical possibility to list in a short period of time, having already gained **credibility within their respective ecosystems**.
Joining the TechShare programme will allow us to extend our business relationships and further build on the progress we have already made with the ELITE programme. Euronext’s support will also allow us to connect with a wide network of international investors and partners.
[](https://www.objectway.com/)### Luigi Marciano
Group CEO, Objectway
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4 September 2026
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### [Objectway confirmed as key partner in Rathbones’ digital strategy](https://objectway.com/objectway-confirmed-as-key-partner-in-rathbones-digital-strategy/)
**Published:** February 28, 2022
**Author:** Lorenzo Noventa
**Excerpt:** Objectway confirmed as strategic digital partner to Rathbones. Objectway partnered with Rathbones to build and implement “MyRathbones” app launched in 2020
**Content:**
# Objectway confirmed as key partner in Rathbones’ digital strategy
28 February 2022 – Objectway, a global top 100 wealth, banking & asset management software provider, has been confirmed as a strategic digital partner to Rathbones according to their recently published 2021 annual statement.
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Objectway has been partnering with Rathbones, a leading UK investment manager with more than £68.2 billion FUMA, to help them build and implement their digital portal and “MyRathbones” app. This ensures that Rathbones’ clients and advisors can access their investments and investment managers anytime and anywhere.
It is available via desktop, tablet and smartphone.
Implemented in 2020 and enhanced further throughout 2021, MyRathbones has been successfully adopted by c.43% of Rathbones clients who access the service more than 6 times per month on average and download tens of thousands of investment reports quarterly.
In 2021, in partnership with Objectway, Rathbones implemented a major upgrade of their custody and settlement system, which was completed on time and budget. The upgraded solution is a solid foundation to build upon with the upcoming launch of their future digital solutions to help improve prospecting, onboarding and servicing capabilities.
Partnering with Rathbones over the last two years on their digital transformation program has been extremely constructive and satisfying for us and we are proud we did deliver against their milestones and expectations. With an agile and incremental approach we have delivered in partnership a scalable and flexible digital platform.
[](https://www.objectway.com/)### Alberto Cuccu
CEO of Objectway International
Over the last two years, Objectway has proven to be a reliable partner in terms of solution design and execution for key components of our digital strategy. We are happy to confirm them as a strategic partner for our future digital transformation plans.
[](https://www.rathbones.com/)### Andy Brodie
Chief Operating Officer, Rathbones
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4 September 2026
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### [RAQUEST and DIE SOFTWARE Objectway Group enter into strategic partnership](https://objectway.com/raquest-and-die-software-objectway-group-enter-into-strategic-partnership-2/)
**Published:** April 25, 2022
**Author:** Lorenzo Noventa
**Excerpt:** Raquest's withholding tax tool will be directly linked to Objectway‘s core banking solutions OBS for an end-2-end digitalized reclaim process.
**Content:**
# RAQUEST and DIE SOFTWARE Objectway Group enter into strategic partnership
25th April 2022 – The withholding tax fintech RAQUEST signs a strategic partnership agreement with DIE SOFTWARE Objectway Group.
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RAQUEST is the leading software for relief at source and reclaim of foreign withholding taxes and provides banks with an uncomplicated automated claiming process. As part of the partnership, the RAQUEST software will be directly linked to Objectway‘s core banking solutions OBS via a standard interface.
Every year, shareholders lose billions of euros in overpaid withholding tax to foreign tax authorities as dividends received from capital gains are subject to double taxation. Overpaid withholding tax is often not reclaimed because the process is bureaucratic and complex. The **RAQUEST software** offers financial institutions an easy, yet reliable way for relief at source and reclaim of withholding tax through automated digital processing. A service that both banks and shareholders significantly profit from.
Thanks to the partnership with DIE SOFTWARE Objectway Group, the withholding tax tool **[RAQUEST](http://www.raquest.de/en) can now be directly connected to Objectway‘s core banking solutions OBS** via a standard interface. This enables an end-2-end digitalized reclaim process, as data from the core banking system can be transferred directly to RAQUEST.
We are very pleased to partner closely with RAQUEST to the benefit of our customers. By connecting RAQUEST to our core banking solutions OBS via a standard interface, the withholding tax tool can automatically receive data from OBS. This gives us an end-2-end digitized processing of withholding taxes and together we make an important contribution to the digitization of backoffice operations. Banks that use our core banking solutions OBS can also offer their customers an important service for the after-tax performance with RAQUEST.
[](https://www.objectway.com/)### Karl im Brahm
CEO of Die Software Objectway Group GmbH.
We are delighted to have partnered with DIE SOFTWARE Objectway Group, a leading provider of core banking software in German-speaking Europe and part of the Global Top 100 fintech provider Objectway, to support financial institutions in their key challenges: customer centricity, end-to-end process digitization and profitability. The partnership offers significant added value for both parties, for banks and their end customers. By giving more customers access to automated withholding tax reclaim, in turn RAQUEST GmbH can strengthen its growth as well as its position as a market leader – a win-win for everyone involved.
[](https://raquest.de/)### Alexander Lerch
CEO, RAQUEST GmbH
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4 September 2026
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### [Bank Nagelmackers partners with Objectway to implement their new private client offering](https://objectway.com/nagelmackers-partners-with-objectway-to-implement-new-private-client-offering/)
**Published:** January 19, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Bank Nagelmackers has selected Objectway to implement a new private client wealth management platform for underpinning its digital transformation.
**Content:**
# Bank Nagelmackers partners with Objectway to implement their new private client offering
19th January 2023 – Bank Nagelmackers, one of the leading personal and private banks in Belgium, has selected Objectway, a Pan-European Wealth & Asset Management software and services company, to implement a new private client wealth management platform for the bank’s advisory, discretionary and execution-only offering.
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- [FR](#tab-1694421541736-7)
- [DE](#tab-1694421541861-9)
Focused on delivering premium private banking services, Nagelmackers provides clients with a digital native service and investment experience, building on Objectway Suite to underpin its digital transformation.
The partnership will help Nagelmackers to accelerate its digital transformation, by blending physical with digital channels in their branches, and to offer clients a digital investment experience for both advisory, discretionary and execution-only businesses. The solution is built on Objectway Suite, the digital native front-end platform for end-to-end client servicing and efficient and scalable portfolio management, and will position the bank to scale the growth of their business, increasing client satisfaction and retention.
Hosted on private cloud, the solution is fully modular to be configured according to the bank’s requirements, and will seamlessly add more functionalities replacing a number of legacy systems without jeopardizing the existing business.
Belgium-based Nagelmackers is a reference financial institution with a long track record in Private Banking. The bank selected Objectway after a competitive tender. Key factors in the decision process were the capability to provide a solution compatible with local regulations, the full coverage of all the required business needs, and the ease of integration with the bank’s legacy systems.
With this win, Objectway strengthens its position as trustworthy provider of reliable solutions in the Wealth Management space, and for Private Banks in particular.
Objectway helped us to enhance and deliver first-class private banking services, meeting our high operational, business and digital ambitions. We aspire to help our clients optimize their portfolios by designing top-notch digital investment solutions for them. We look forward to the partnership with Objectway to bring our clients the premium service they deserve.
[](https://www.linkedin.com/in/yves-van-laecke-2209125/)### Yves Van Laecke
Chief Commercial Officer Nagelmackers
Nagelmackers is the oldest Belgian bank, who celebrates its 275th anniversary this year. Our partnership with them is a major example of how private banks are building on Objectway’s technology and services to enhance their digital capabilities and enable more efficiency and scalability in their business. Objectway is proud to be part of Nagelmackers ’s digital enablement and we are looking forward to supporting the firm’s continued growth plans.
[](https://www.linkedin.com/in/kurtvanhee/)### Kurt Vanhee
Managing Director Continental Europe and North America Objectway
Spécialisée dans la fourniture de services de banque privée haut de gamme, Nagelmackers fournit à ses clients un service « digital native » et une expérience en matière d’investissement, en s’appuyant sur Objectway Suite pour soutenir sa transformation numérique.
Ce partenariat permettra à Nagelmackers d’accélérer sa transformation numérique, en combinant les canaux physiques et numériques dans leurs agences, et d’offrir à ses clients une expérience d’investissement numérique pour les activités de gestion conseil, de gestion discrétionnaire et de service de simple exécution. La solution s’appuie sur Objectway Suite, la plateforme frontale numérique native pour le service client de bout en bout et une gestion de portefeuille efficace et évolutive, et permettra à la banque d’accélérer la croissance de son activité, d’accroître la satisfaction et la fidélisation de ses clients.
Hébergée sur le cloud privé, la solution est entièrement modulaire, ce qui la rend configurable en fonction des exigences de la banque, et intégrera davantage de fonctionnalités de manière fluide, tout en remplaçant un certain nombre d’anciens systèmes sans compromettre l’activité existante.
Nagelmackers, basée en Belgique, est une institution financière de référence ayant une longue expérience dans le domaine du Private Banking. La banque a sélectionné Objectway à l’issue d’un appel d’offres. Les facteurs clés du processus décisionnel ont été la capacité à fournir une solution compatible avec la réglementation locale, la couverture complète de tous les besoins opérationnels requis et la facilité d’intégration avec les systèmes existants de la banque.
Fort de ce succès, Objectway consolide sa position de fournisseur fiable de solutions sûres dans le domaine de la gestion de patrimoine, et plus particulièrement pour les banques privées.
Objectway nous a aidés à améliorer et à fournir des services de banque privée de très haute qualité, en répondant à nos grandes ambitions opérationnelles, commerciales et numériques. Nous aspirons à aider nos clients à optimiser leurs portefeuilles en concevant des solutions d’investissement numériques de premier ordre. Nous attendons avec impatience de mettre en œuvre le partenariat avec Objectway pour offrir à nos clients le service haut de gamme qu’ils méritent.
[](https://www.linkedin.com/in/yves-van-laecke-2209125/)### Yves Van Laecke
Chief Commercial Officer Nagelmackers
Nagelmackers est la plus ancienne banque belge, qui célèbre son 275e anniversaire cette année. Notre partenariat constitue un exemple majeur de la manière dont les banques privées s’appuient sur la technologie et les services d’Objectway afin d’améliorer leurs capacités numériques et d’accroître l’efficacité et l’évolutivité de leur activité. Objectway est fier de faire partie du dispositif numérique de Nagelmackers et nous sommes impatients de soutenir les plans de croissance de la société.
[](https://www.linkedin.com/in/kurtvanhee/)### Kurt Vanhee
Managing Director Continental Europe and North America Objectway
Nagelmackers konzentriert sich auf die Bereitstellung erstklassiger Private-Banking-Dienstleistungen und bietet seinen Kunden ein digitales, natives Service- und Anlageerlebnis, das auf der Objectway Suite aufbaut, um die digitale Transformation zu unterstützen.
Die Partnerschaft wird Nagelmackers dabei helfen, die digitale Transformation zu beschleunigen, indem physische und digitale Kanäle in den Filialen zusammengeführt werden und den Kunden ein digitales Anlageerlebnis für das Beratungs-, Vermögensverwaltungs- und Execution-only-Geschäft geboten wird. Die Lösung basiert auf der Objectway Suite, der digitalen, nativen Front-End-Plattform für eine durchgängige Kundenbetreuung und ein effizientes und skalierbares Portfoliomanagement, und wird die Bank in die Lage versetzen, das Wachstum ihres Geschäfts zu skalieren und die Kundenzufriedenheit und -bindung zu erhöhen.
Die Partnerschaft wird Nagelmackers dabei helfen, die digitale Transformation zu beschleunigen, indem physische und digitale Kanäle in den Filialen zusammengeführt werden und den Kunden ein digitales Anlageerlebnis für das Beratungs-, Vermögensverwaltungs- und Execution-only-Geschäft geboten wird. Die Lösung basiert auf der Objectway Suite, der digitalen, nativen Front-End-Plattform für eine durchgängige Kundenbetreuung und ein effizientes und skalierbares Portfoliomanagement, und wird die Bank in die Lage versetzen, das Wachstum ihres Geschäfts zu skalieren und die Kundenzufriedenheit und -bindung zu erhöhen.
Die in einer privaten Cloud gehostete Lösung ist vollständig modular und kann entsprechend den Anforderungen der Bank konfiguriert werden. Mit der neuen Lösung werden nahtlos weitere Funktionen hinzufügt und Altsysteme ersetzt, ohne dabei das laufende Geschäft zu behindern.
Das belgische Bankhaus Nagelmackers ist eine hervorragende Referenz mit einer langjährigen Erfahrung im Private Banking. Objectway setzte sich im Ausschreibungsprozess durch und konnte durch die Fähigkeit, eine mit den lokalen Vorschriften kompatible Lösung zu liefern, die vollständige Abdeckung aller erforderlichen Geschäftsanforderungen und die einfache Integration mit den Altsystemen der Bank zu gewährleisten, überzeugen.
Mit dem Bankhaus Nagelmackers stärkt Objectway seine Position als verlässlicher Partner und Anbieter von Lösungen im Privatbankensektor.
Objectway hat uns geholfen, unsere Private-Banking-Dienstleistungen im Sinne unserer Kunden weiter zu entwicklen. Mit Objectway an unserer Seite können wir auch in Zukunft unseren hohen operativen, geschäftlichen und digitalen Ansprüchen gerecht werden. Wir wollen unseren Kunden helfen, ihre Portfolios zu optimieren, indem wir erstklassige digitale Investmentlösungen für sie entwickeln. Wir freuen uns daher auf die langfristige Partnerschaft mit Objectway.
[](https://www.linkedin.com/in/yves-van-laecke-2209125/)### Yves Van Laecke
Chief Commercial Officer Nagelmackers
Nagelmackers ist die älteste belgische Bank, die dieses Jahr ihr 275 -jähriges Bestehen feiert. Unsere Partnerschaft mit ihr ist ein wichtiges Beispiel dafür, wie Privatbanken auf die Technologie und die Dienstleistungen von Objectway bauen, um ihre digitalen Fähigkeiten zu verbessern und mehr Effizienz und Skalierbarkeit in ihrem Geschäft zu ermöglichen. Objectway ist stolz darauf, Teil der digitalen Lösungswelt von Nagelmackers zu sein, und wir freuen uns darauf, die weiteren Wachstumspläne des Unternehmens zu unterstützen.
[](https://www.linkedin.com/in/kurtvanhee/)### Kurt Vanhee
Managing Director Continental Europe and North America Objectway
## Related
[All](#)[\#compeer](#)[\#customerexperience](#)[\#financialservices](#)[\#markettrends](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
[Studie: Veraltete Technologie bremst Wachstum bei Instituten](https://objectway.com/studie-veraltete-technologie-bremst-wachstum-bei-instituten/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Studie: Veraltete Technologie bremst Wachstum bei Instituten
4 September 2026
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**Tags:** #nagelmackers, #oneobjectway, #privatebanking, GLO
---
### [novobanco goes live with Objectway to lead the way in investment services](https://objectway.com/novobanco-goes-live-with-objectway-to-lead-the-way-in-investment-services/)
**Published:** April 5, 2022
**Author:** Lorenzo Noventa
**Excerpt:** Thanks to Objectway Investment Advice, on Cloud and SaaS-enabled, novobanco deliver an advanced financial advisory experience democratising the wealth offering.
**Content:**
# novobanco goes live with Objectway to lead the way in investment services
5 April 2022 – Powered by **Objectway Investment Advice**, delivered on Cloud and SaaS-enabled, novobanco take advantage of a centralised and structured investment tool to deliver an advanced financial advisory experience, democratising their wealth offering.
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Objectway, a global top 100 wealth, banking & asset management software provider, have partnered with [novobanco](https://www.novobanco.pt/) enabling the leading Portuguese bank to provide an advanced financial advisory experience through a digital advisory platform, including goal-based investment planning, advice execution and risk optimised model portfolio creation.
With 1.4 million clients, novobanco is one of the largest banks in Portugal. The bank manages over €20 billion of assets and has a network of over 300 advisors in the affluent and upper affluent segments. The firm was looking for a partner able to support their strategy to position themselves as a market innovator in investment services, by **democratising** their **wealth offering** with an efficient and scalable bespoke advisory platform, to service investors up from a minimum investment of €10.000.
Using Objectway’s Investment Advice solution, novobanco now has the capabilities of a centralised and structured investment tool that standardises the creation of personalised proposals based on risk optimised model portfolios, provides proactive, real-time bulk monitoring against client mandates and implements algorithmic optimisation and rebalancing. The bank is now able to provide a holistic view of a client’s total wealth, whilst aligning the investor’s risk profile and goals with the bank’s investment strategies and governance, in compliance with MiFID II regulation, thus creating an hybrid service where the solution and the advisors work together to create a suitable personalised proposal.
Objectway delivered the project using an incremental release plan adhering to agile principles. The solution is hosted in the Cloud and delivered as Software as a Service (SaaS), integrated with the bank’s existing security and data layers.
The project is detailed in a case study available **[HERE](https://objectway.com/download-case-study-leveraging-centralized-cloud-mifid-ii-advisory/)** for download.
novobanco are now clearly ahead of their competition with their ability to provide a holistic analysis of the client’s asset allocation and deliver a MiFID II compliant recommendation, whilst maintaining product innovation and leadership over time. They now have the opportunity to achieve new goals in terms of growth and efficiency, relying on a leaner and more simplified process for the advisory network.
[](https://www.objectway.com/)### Michele Tanzi
Market Solution Director at Objectway.
The partnership with Objectway on our transformation program has been extremely collaborative and productive. We’ll bring our plans further by pursuing together with Objectway more enhancements to our financial advisory experience, such as ESG regulations, multi-goal approach and direct advisory, to mention a few.
[](https://www.novobanco.pt/)### Alexandra Tostões
Head of Advisory Service, novobanco
## Related
[All](#)[\#compeer](#)[\#customerexperience](#)[\#financialservices](#)[\#markettrends](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
[Studie: Veraltete Technologie bremst Wachstum bei Instituten](https://objectway.com/studie-veraltete-technologie-bremst-wachstum-bei-instituten/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Studie: Veraltete Technologie bremst Wachstum bei Instituten
4 September 2026
## Sign Up for our Newsletter
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---
### [Objectway appoints Hassan Suffyan as Managing Director for the UK region](https://objectway.com/objectway-appoints-hassan-suffyan-managing-director-uk/)
**Published:** September 12, 2022
**Author:** Lorenzo Noventa
**Excerpt:** With his expertise in wealth management and private banking, Hassan will boost Objectway’s growth in the UK and Irish markets, strengthening Objectway’s global leadership team.
**Content:**
# Objectway appoints Hassan Suffyan as Managing Director for the UK region
12th September 2022 – The appointment of Hassan Suffyan strengthens Objectway’s global leadership team. Hassan is an experienced manager with expertise in wealth management and private banking, who will boost Objectway’s growth in the UK and Irish markets.
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Objectway, a global top 100 banking, wealth & asset management software provider, has announced the appointment of Hassan Suffyan as Managing Director of Objectway for the UK region.
Hassan joins the Objectway Group executive team to help drive the firm’s expansion in the UK and Ireland. His vast knowledge and expertise will enhance the Group‘s capability to drive the digital enablement of wealth managers, private banks and asset managers. Hassan will also work with the executive team to execute strategic development initiatives across the Group.
Hassan brings over 10 years of Wealth & Private Banking experience, with significant expertise in business, technology and consulting. Prior to joining Objectway, Hassan was Head of the Wealth Technology Practice for Ernst & Young UK and has previously worked for Coutts Private Bank as a Director in Wealth & Asset Management Delivery, as well as for other well-known wealth managers.
As a result of Objectway’s constant commitment to the sector and investments, the firm has experienced a significant growth in this region, where it counts many leading wealth management firms as its clients. As Managing Director, Hassan will be responsible for boosting Objectway’s growth in this market, which is pivotal in the development plans of the Group.
We are delighted to welcome Hassan to our executive team. His extensive experience and skills are a perfect fit with our strategy to drive future growth by focusing on bringing banking, wealth and asset management to the next level of industrialisation by implementing an as-a-service approach. This is a further step to scale our organisation for accelerated growth in the future and to meet strong customer demand for our software and services proposition.
[](https://www.objectway.com/)### Luigi Marciano
Objectway Group CEO
I have been thoroughly impressed by Objectway’s product offering, culture and, most importantly, people. I am delighted to have the opportunity to join the firm and to support its growth, by addressing the strategic priorities of our clients with our incremental and agile approach to digital enablement to attract and retain clients, improve cost-to-serve and achieve scale.
[](https://uk.linkedin.com/in/hassansuffyan)### Hassan Suffyan
Managing Director UK region, Objectway
## Related
[All](#)[\#customerexperience](#)[\#digitaltransformation](#)[\#financialservices](#)[\#markettrends](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
[Studie: Veraltete Technologie bremst Wachstum bei Instituten](https://objectway.com/studie-veraltete-technologie-bremst-wachstum-bei-instituten/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Studie: Veraltete Technologie bremst Wachstum bei Instituten
4 September 2026
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---
### [Customer Experience in Financial Services6th September 2022](https://objectway.com/customer-experience-in-financial-services/)
**Published:** August 12, 2022
**Author:** Lorenzo Noventa
**Excerpt:** he ultimate conference for the financial sector to drive seamless experiences and thrive in the digital age as we enter the "never normal"
**Content:**
# Customer Experience in Financial Services
6th | 7th September 2022 – The annual Customer Experience in Financial Services conference is the ultimate conference for the financial sector to drive seamless experiences and thrive in the digital age as we enter the ‘never normal”.
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## Agenda
6th September 2022
11:45am
Future forecast: the ever growing importance of Customer Experience in Wealth Management
Tariq Khan, Objectway Client Development Director
Gain exclusive insight into a real case study of customer-centricity enablement and digitalisation, and into facts and figures outlining the status quo, the objectives and priorities of wealth firms in their road towards CX excellence.
- How important is Customer Experience?
- What improvement do wealth firms and clients expect from digital transformation?
- Current challenges
- What can wealth managers achieve? A Case study
## Event Information
6th – 7th September 2022, The Waldorf Hilton, Aldwych, West End, London
Meet us at our booth or [book a meeting here.]()
## Speaker
Tariq Khan
Tariq is Client Development Director at Objectway – global player offering end-to-end digital-ready solutions for Wealth, Bank & Asset Managers. Tariq has been working with UK wealth managers for over 10 years, with a focus on digital transformation, advising firms on how they can make the most of digital solutions in order to improve their client experience, operational efficiency, and become future ready.
## Related
[All](#)[\#about-objectway](#)[\#customerexperience](#)[\#financialservices](#)[\#wealth-management-trends](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
[Studie: Veraltete Technologie bremst Wachstum bei Instituten](https://objectway.com/studie-veraltete-technologie-bremst-wachstum-bei-instituten/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Studie: Veraltete Technologie bremst Wachstum bei Instituten
4 September 2026
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---
### [Objectway awarded Brewin Dolphin at City of London Wealth Management Awards15th March 2018](https://objectway.com/objectway-awarded-brewin-dolphin-with-best-discretionary-wealth-management-award-at-city-of-london-wealth-management-awards/)
**Published:** March 15, 2018
**Author:** Alessandro Rocco
**Excerpt:** Objectway awarded Brewin Dolphin at City of London Wealth Management Awards
**Content:**
# Objectway awarded Brewin Dolphin at City of London Wealth Management Awards
15th March 2018 – Objectway sponsored the “Best Discretionary Wealth Management” category, awarding Brewin Dolphin at the COLWMA – City of London Wealth Management Awards.
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**COLWMA**, City of London Wealth Management Award, is recognised as a leading event within the City geared specifically towards the Wealth Management industry. It promotes, acknowledges and rewards the quality service that Wealth Managers provide. The winners in each category are determined by the investors themselves who vote via the Goodacre website.
Objectway could not miss such an important occasion. The awards ceremony’s mission is very much in line with our goal of bringing to Wealth Managers high-performing software solutions and services, based on customer centricity, sound experience and product innovation
[](https://www.linkedin.com/in/alberto-cuccu-21a401/)### Alberto Cuccu
CEO Objectway International
## Event Information
15th March 2018, Guildhall London Event, London
Contact us [ here.]()
## Speaker
Alberto Cuccu
Alberto leads Objectway’s international business and is part of the board of directors of the group, as Chief Solution Officer. With more than 20 years of experience in the financial services industry, Alberto has driven the development of the company’s product offering to deliver an effective value proposition to Objectway’s international markets. Alberto holds a Master’s degree in Computer Engineering from the University of Pisa.
## Sign Up for our Newsletter
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---
### [Objectway Speaker at Robo Investing Europe 201822nd January 2018](https://objectway.com/objectway-speaker-at-robo-investing-europe-2018/)
**Published:** January 22, 2018
**Author:** Alessandro Rocco
**Excerpt:** Objectway is one of the speaker at Robo Investing Europe 2018
**Content:**
# Objectway Speaker at Robo Investing Europe 2018
22 January 2018 – Objectway is one of the speaker at Robo Investing Europe 2018, Europe’s leading Digital Wealth Event for industry professionals.
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Europe’s leading digital wealth event for industry professionals returns for the 3rd year in a row, showcasing the latest automated propositions, such as Micro-Saving, Pensions and Hybrid Platforms. Exclusive features include:
- Chatbots, Onboarding and Next-Generation customer engagement.
- An in-depth look at how to systematise, scale and design asset management strategies using AI and ETFs.
- How Open-banking, APIs and The Cloud will transform Data, Connectivity and Distribution, and turn competition into collaboration across Fintechs, Wealth Management and Banking.
## Agenda
1st February 2018
Empowering Investors and Advisors: Automated tools and technology
Alberto Cuccu, CEO Objectway International
Learn how to transform process, boost productivity and accelerate performance.
## Event Information
6th – 7th September 2022, The Waldorf Hilton, Aldwych, West End, London
For more info on Robo Advisor, click [here](https://leverageforex.net/best-brokers/best-robo-advisor-list/) Meet us at the round table or [book a meeting here.]()
## Speaker
Alberto Cuccu
Alberto leads Objectway’s international business and is part of the board of directors of the group, as Chief Solution Officer. With more than 20 years of experience in the financial services industry, Alberto has driven the development of the company’s product offering to deliver an effective value proposition to Objectway’s international markets. Alberto holds a Master’s degree in Computer Engineering from the University of Pisa.
## Sign Up for our Newsletter
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---
### [Risk & ESG-aligned portfolios - The new frontier in investment strategies26th November 2020](https://objectway.com/26-november-2020-risk-esg-aligned-portfolios-the-new-frontier-in-investment-strategies/)
**Published:** October 26, 2020
**Author:** Lorenzo Noventa
**Content:**
# Risk and ESG-aligned portfolios: Objectway and Confluence webinar
26th November 2020 – Objectway and Confluence will show you how to build, analyse and monitor risk aware portfolios integrating ESG analysis.
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## Agenda
26th November 2020
4:00pm – 4:45pm
Risk and ESG-aligned portfolios: the new frontier in investment strategies
Key points driving to risk-aware and sustainable investments
Alberto Cuccu, CEO Objectway International
A complete end-to-end investment process generating extra-returns
Gert-Jan Hoogendoorn, Client Solution Director, Objectway
Risk and ESG Factors calculation methodology
Elena Giancaspro, Business Development Executive, Confluence
Michele Calcaterra, ECPI Director, Confluence
**ESG assets** are expected to grow by 30% for the next 5 years in Europe, and have more than tripled worldwide, over eight years, to $40.5 trillion in 2020.
In such an evolutionary context, it is essential to base **your investment decisions** taking into account risk and customer’s characteristics, respecting sustainability criteria.
The approach highlighted in this webinar will take into consideration:
- **systematic market risk** (the risk inherent in the entire market which cannot be reduced through diversification)
- specific risk linked to the characteristics of the security that are not being addressed through **portfolio diversification**
## Webinar Information
26th November 2020
The session is reserved to financial institutions only.
## Speaker
Alberto Cuccu
Alberto leads Objectway’s international business and is part of the board of directors of the group, as Chief Solution Officer. With more than 20 years of experience in the financial services industry, Alberto has driven the development of the company’s product offering to deliver an effective value proposition to Objectway’s international markets. Alberto holds a Master’s degree in Computer Engineering from the University of Pisa.
Gert-Jan Hoogendoorn
Gert-Jan Hoogendoorn leads Objectway’s Product Management team for the front office systems of Objectway. With more than 20 years of experience in the financial services industry, Gert-Jan is managing the product lifecycle of the WealthTech Suite solutions for the front office, offering a true value proposition to Objectway’s international markets.
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**Categories:** Webinar
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---
### [WealthTech 2019: The Truth About Digital26th March 2019](https://objectway.com/wealthtech-2019-the-truth-about-digital/)
**Published:** March 22, 2019
**Author:** Alessandro Rocco
**Content:**
# The WealthTech 2019: the truth about digital
26th March 2019 – During this event, Objectway and Compeer will be delivering an assessment of the digital landscape and which developments the wealth sector is prioritising.
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[LinkLinkLink >](https://objectway.com/who-we-serve/?lang=en)
## Agenda
26th March 2019
03:30pm – 8:00pm
WealthTech 2019: the truth about digital
Objectway and Compeer
**Alberto Cuccu, CEO of Objectway ltd**, will be **Master of Ceremonies**, and he will take this opportunity to bring the discussions as close as to the truth about digital.
It will also be a great opportunity to meet with your wealth management peers, in fact, the conference will be attended by more than 150 wealth management professionals.
Digital thrives when it can exploit the continuous progress made in the technology and there are precise steps for a firm to take to get the **true benefit** of such transformation.
## Event Information
Tuesday 26th March 2019, Fishmongers’ Hall London EC4R 9EL
Meet us at our booth or [book a meeting here.]()
## Speaker
Alberto Cuccu
Alberto leads Objectway’s international business and is part of the board of directors of the group, as Chief Solution Officer. With more than 20 years of experience in the financial services industry, Alberto has driven the development of the company’s product offering to deliver an effective value proposition to Objectway’s international markets. Alberto holds a Master’s degree in Computer Engineering from the University of Pisa.
## Sign Up for our Newsletter
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---
### [Objectway Customer Conference 2018 in Rome5th April 2018](https://objectway.com/objectway-customer-conference-2018-in-rome/)
**Published:** April 5, 2018
**Author:** Alessandro Rocco
**Excerpt:** Objectway Customer Conference 2018 in Rome
**Content:**
# Objectway Customer Conference 2018 in Rome
5th April 2018 – Objectway is holding its third International Customer Conference in Rome, on April 7th.
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[LinkLinkLink >](https://objectway.com/who-we-serve/?lang=en)
[LinkLinkLink >](https://objectway.com/who-we-serve/?lang=en)
## Agenda
7th April 2018
Digital to Our Core
Luigi Marciano, Founder and CEO, Objectway
Kicking Wealth Management into Gear for Growth
Thomas Zink, Associate Research Director, IDC
The voice of the Market… and what does it whisper
Peter Schramme, Chief Business Development Officer, Objectway
Empowering business transformation
Alberto Cuccu, CEO Objectway International
A walk down innovation lane
Georgios Lekkas, Chief Product Officer
Squaring the circle: how to improve the quality of client service as well as profitability
James Brown, Head of Client Services, Compeer
The 2020 vision, what ‘future technologies’ are enabling the business of today
Lorenzo Pagnin, Chief Technology Officer
A Nightmare on European Banking Street?
Spiros Margaris, Fintech Influencer
Fintech and ToughTech – Better together or better apart?
Geoff Towers, Chief Executive Officer, BNY MELLON – PERSHING
Building a Digital First Customer Focused Bank
Darragh Lennon, Director of Distribution, KBC
Amundi: Global Scope, Local Roots – Our way to better embrace the Italian market
Julien Bernard, Chief Operating Officer, Amundi
## Event Information
7th April 2018, Villa Miani, Rome, Italy
Contact us[ here.]()
## Speaker
Luigi Marciano
Luigi is Objectway’s founder, CEO group and major shareholder. As visionary entrepreneur, he has dedicated his career to power the investment service business by technology innovation. He has successfully consolidated Objectway’s leadership in the wealth and asset management industry internationally, creating a technology platform, which enables customers to digitally evolve their business and deliver higher performances.
Alberto Cuccu
Alberto leads Objectway’s international business and is part of the board of directors of the group, as Chief Solution Officer. With more than 20 years of experience in the financial services industry, Alberto has driven the development of the company’s product offering to deliver an effective value proposition to Objectway’s international markets. Alberto holds a Master’s degree in Computer Engineering from the University of Pisa.
Peter Schramme
Peter worked as Chief Business Development Officier at Objectway until December 2019. He is an experienced Managing Director with a demonstrated history of working in the financial services industry, skilled in Asset Management, Mergers & Acquisitions, Risk Management, Private Banking, and Managerial Finance.
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### [Objectway Gold Sponsor at the PIMFA ANNUAL SUMMIT 201824th October 2018](https://objectway.com/objectway-gold-sponsor-at-the-pimfa-annual-summit-2018/)
**Published:** October 24, 2018
**Author:** Alessandro Rocco
**Excerpt:** Objectway will be a Gold Sponsor at the PIMFA ANNUAL SUMMIT 2018
**Content:**
# Objectway Gold Sponsor at the PIMFA ANNUAL SUMMIT 2018
24th October 2018 – Objectway will be a Gold Sponsor at the PIMFA ANNUAL SUMMIT 2018, partecipating at the “Next Generation fo Digital” panel discussion.
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The PIMFA Summit 2018 will be a unique opportunity to investigate and gain a comprehensive understanding of the issues that impact upon the investment management and financial advice sector, providing an exceptional opportunity to debate on key topics facing our industry.
## Agenda
31st October 2018
12:00am
Next Generation of Digital
Alberto Cuccu, CEO Objectway International
## Event Information
31st October 2018, ETC. Venues 155 Bishopsgate, London
[Visit the website](https://www.pimfa.co.uk/landing/pimfa-annual-summit-2018-2/) or [contact us here.]()
## Speaker
Alberto Cuccu
Alberto leads Objectway’s international business and is part of the board of directors of the group, as Chief Solution Officer. With more than 20 years of experience in the financial services industry, Alberto has driven the development of the company’s product offering to deliver an effective value proposition to Objectway’s international markets. Alberto holds a Master’s degree in Computer Engineering from the University of Pisa.
## Sign Up for our Newsletter
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---
### [Compeer Clients’ View Conference24th November 2017](https://objectway.com/compeer-clients-view-conference/)
**Published:** November 24, 2017
**Author:** Alessandro Rocco
**Excerpt:** Objectway will be presenting its research study “The Wealth Management Firm of 2025” at the Compeer Clients’ View Conference
**Content:**
# Compeer Clients’ View Conference
24th November 2017 – Objectway will be presenting the results of its research study “The Wealth Management Firm of 2025” at the Compeer Clients’ View Conference.
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[LinkLinkLink >](https://objectway.com/who-we-serve/?lang=en)
## Agenda
4th December 2019
09:35am – 09:55am
The Wealth Management Firm of 2025
Alberto Cuccu, CEO Objectway International
**Objectway** will be presenting the results of its research study “The Wealth Management Firm of 2025” , in collaboration with **Compeer**, to understand the key issues facing UK wealth management firms, the improvements required and how the industry will evolve over the next five years.
The topics covered are about boosting front office productivity, understanding how to maximise brand awareness, prospects acquisition and client interaction, how to maximise back office cost effectiveness and defining the best technology to support the firm.
For more information on the event, click on the link below.
[READ MORE](http://compeer.co.uk/event/clients-view-2019/)
## Event Information
24th November 2019, Painters’ Hall, London
Meet us at our booth or [book a meeting here.]()
## Speaker
Alberto Cuccu
Alberto leads Objectway’s international business and is part of the board of directors of the group, as Chief Solution Officer. With more than 20 years of experience in the financial services industry, Alberto has driven the development of the company’s product offering to deliver an effective value proposition to Objectway’s international markets. Alberto holds a Master’s degree in Computer Engineering from the University of Pisa.
## Sign Up for our Newsletter
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---
### [Digital Integration in Wealth Management 202222nd March 2022](https://objectway.com/digital-integration-in-wealth-management-2022/)
**Published:** March 22, 2022
**Author:** Lorenzo Noventa
**Excerpt:** Objectway, sponsor of the conference, is delighted to announce that it will share the stage with its client Rathbones, a leader in UK Wealth Management business
**Content:**
# Digital Integration in Wealth Management 2022
22nd March 2022 – Objectway, sponsor of the conference, is delighted to announce that it will share the stage with its client Rathbones
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[LinkLinkLink >](https://objectway.com/who-we-serve/?lang=en)
## Agenda
22th March 2022
09:30am – 10:00am
Digital Distruption or Digital Evolution?
Alberto Cuccu, CEO Objectway International
Martin Leah, Change and Transformation Director Rathbones Group Plc
Jack McKenna, Product Owner, MyRathbones Rathbones Group Plc
Attend the [Digital Integration in Wealth Management conference](https://www.arena-international.com/wealth/agenda) which will offer an expertise from top wealth management and private banks across the UK and Europe.
Operating within an increasingly digital landscape and serving next-generation clients, there is a growing need for the Wealth Management sector to better understand how to create a personalised offering for their clientele segments to clarify where to strike the balance between a digital and fiscal offering.
With high-level talks and discussions delivered by senior guest speakers, attendees can expect to discover the strategies, tools, and processes powered by innovation and client-centric values to meet cross generational needs and thrive in a digital age.
Objectway, sponsor of the conference, is delighted to announce that it will share the stage with its client Rathbones.
Don’t miss Objectway speech on **“The keys of success and the lessons learned from a long-term leader in the UK Wealth Management Business”**, where we will share the experience of [Rathbones](https://objectway.com/wealth-managers/?lang=en) in adopting a digital strategy for transforming their client facing technology, creating a compelling user experience able to serve, at the same time, their traditional client base and to respond to the growing digital demand of new client generations.
## Event Information
22nd March 2022
For more information on Objectway’s offering, you can meet us at our stand during the conference or you can contact us by sendind an email at .
## Speaker
Alberto Cuccu
Alberto leads Objectway’s international business and is part of the board of directors of the group, as Chief Solution Officer. With more than 20 years of experience in the financial services industry, Alberto has driven the development of the company’s product offering to deliver an effective value proposition to Objectway’s international markets. Alberto holds a Master’s degree in Computer Engineering from the University of Pisa.
Martin Leah
Over 11 years experience in transformation and change project & programme management which has been largely gained within the financial services and IT industries. Martin is Change and Transformation Director at Rathbones Plc. from 2020.
## Related
[All](#)[\#about-objectway](#)[\#customerexperience](#)[\#digital-transformation](#)[\#financialservices](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
[Studie: Veraltete Technologie bremst Wachstum bei Instituten](https://objectway.com/studie-veraltete-technologie-bremst-wachstum-bei-instituten/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Studie: Veraltete Technologie bremst Wachstum bei Instituten
4 September 2026
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---
### [Salone del Risparmio – Market thought leaders round table16th April 2017](https://objectway.com/salone-del-risparmio-market-thought-leaders-round-table/)
**Published:** April 6, 2017
**Author:** leo aloi
**Excerpt:** Objectway partecipa alla tavola rotonda del Salone del Risparmio insieme agli altri leader di mercato
**Content:**
# Salone del Risparmio – Market thought leaders round table
16 Aprile 2017 – Objectway partecipa alla tavola rotonda del Salone del Risparmio “Digital Engagement and Collaboration: the hype, the reality and the future” insieme agli altri leader di mercato.
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[LinkLinkLink >](https://objectway.com/who-we-serve/?lang=en)
## Agenda
16th April 2017
Digital Engagement and Collaboration: the hype, the reality and the future.
In un contesto in cui l’evoluzione verso la digital transformation è un processo inarrestabile, i servizi di consulenza virtuale e automatizzata tramite tool di Robo e Hybrid Advisory rappresentano il nuovo paradigma di mercato e la punta dell’iceberg in questo scenario di dirompente trasformazione dove **Objectway**, menzionata anche da Gartner nel Report “Integrate Financial Coaching to Create Real Value From Roboadvisor 2.0 Tools, 1st March 2017”, è uno dei fornitori di riferimento di tali soluzioni.
Partendo dall’analisi dei principali risultati emersi dalla Survey Objectway – EFMA relativa alle diverse modalità di ingaggio e relazione con la clientela nell’era digitale, abbiamo discusso dell’approccio vincente all’evoluzione dei servizi di investimento online e dell’opportunità di intraprendere una digital strategy integrata.
Una Tavola Rotonda moderata da **Renzo Vanetti**, Chairman of the Board di SmallPay, ha trattato nel dettaglio queste tematiche con alcuni dei principali esponenti del settore come **Stefano Fossati** (Direzione Wealth, Funzione Client Advisory, CheBanca!), **Alberto Albertini** (CEO, Banca Albertini), **Mario Bortoli** (Founder & CEO, Euclidea), **Alberto Cuccu** (Chief Client Solution Officer, Objectway) e altri importanti istituti finanziari.
**RASSEGNA STAMPA**
- Wall Street Italia – [video-intervista a Luigi Marciano, CEO Objectway](https://www.youtube.com/watch?v=s5AkGNNWO4o)
- Professione Finanza – [video-intervista ad Alberto Cuccu, Chief Client Solution Objectway](https://www.youtube.com/watch?v=FSz8E29-WbE)
- AziendaBanca – Il futuro della consulenza: l’equilibrio tra robo e umano [SCARICA PDF](https://objectway.com/wp-content/uploads/2017/10/ar-20170500_AziendaBanca_SdR17.pdf)
## Event Information
16 Aprile 2017, Allianz MiCo – Milano Convention Centre
## Speaker
Alberto Cuccu
Alberto leads Objectway’s international business and is part of the board of directors of the group, as Chief Solution Officer. With more than 20 years of experience in the financial services industry, Alberto has driven the development of the company’s product offering to deliver an effective value proposition to Objectway’s international markets. Alberto holds a Master’s degree in Computer Engineering from the University of Pisa.
## Sign Up for our Newsletter
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**Categories:** Event
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---
### [Global Wealthtech Summit 2019 – London5th November 2019](https://objectway.com/global-wealthtech-summit-2019-london/)
**Published:** October 24, 2019
**Author:** Alessandro Rocco
**Excerpt:** Connect with experts in the WealthTech and Asset Management space; get the complete market picture on WealthTech and Asset Management solutions
**Content:**
# Global WealthTech Summit 2019
5th November 2019 – Objectway is proud to announce that it has been selected to showcase its platform during the Global WealthTech Summit in London!
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[LinkLinkLink >](https://objectway.com/who-we-serve/?lang=en)
## Agenda
5th November 2019
Creating Digital Alpha: how to generate value across an end-to-end digital investment experience
Alberto Cuccu, CEO Objectway International
The Global WealthTech Summit will be the most valuable event of 2019 to connect with the most senior individuals in the **WealthTech and asset management space** and get the complete picture on WealthTech and Asset Management solutions available in the market.
You will find out what innovation strategies **Financial Institutions** are implementing to address the challenges and opportunities they face.
**Alberto Cuccu** will highlight how the traditional boundaries of financial services are changing. Today’s customers do not evaluate an advisory service only in terms of alpha investment performance, but they are strongly influenced by a number of elements that belong to the **digital alpha**.
Here the keypoints of the presentation:
- solid investment strategies;
- advisor’s efficiency;
- relationship management.
## Event Information
5th November 2019, London
Meet us at our booth or [book a meeting here.]()
## Speaker
Alberto Cuccu
Alberto leads Objectway’s international business and is part of the board of directors of the group, as Chief Solution Officer. With more than 20 years of experience in the financial services industry, Alberto has driven the development of the company’s product offering to deliver an effective value proposition to Objectway’s international markets. Alberto holds a Master’s degree in Computer Engineering from the University of Pisa.
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
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**Categories:** Event
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---
### [Objectway ranks second in IBS private banking sales league table 2017](https://objectway.com/objectway-ranks-second-in-ibs-private-banking-sales-league-table-2017/)
**Published:** April 24, 2017
**Author:** leo aloi
**Excerpt:** Objectway has topped the IBS Private Banking Sales League Table 2017 positioning at second place with Conectus
**Content:**
# Objectway ranks second in IBS private banking sales league table 2017
24 April 2017 – Objectway 2° place at IBS Private Banking Sales 2017
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Objectway has topped the IBS Private Banking Sales League Table 2017 positioning at second place with Conectus.
The annual IBS Sales League Table is an important part of the IBS Journal offering, universally acknowledged as the barometer for international banking systems sales activity.
The Sales League is based upon sales performance of private banking systems sold to new clients by global vendors.
## Related
[All](#)[\#customerexperience](#)[\#digital-transformation](#)[\#financialservices](#)[\#markettrends](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
[Studie: Veraltete Technologie bremst Wachstum bei Instituten](https://objectway.com/studie-veraltete-technologie-bremst-wachstum-bei-instituten/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Studie: Veraltete Technologie bremst Wachstum bei Instituten
4 September 2026
## Sign Up for our Newsletter
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**Categories:** Awards
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---
### [Objectway rises the 2017 IDC Fintech Rankings by IDC Financial Insights](https://objectway.com/objectway-rises-the-2017-idc-fintech-rankings-by-idc-financial-insights/)
**Published:** September 12, 2017
**Author:** leo aloi
**Excerpt:** Objectway announced they have ranked #86 on the 2017 IDC FinTech Rankings
**Content:**
# Objectway rises the 2017 IDC Fintech Rankings by IDC Financial Insights
12 September 2017 – Objectway announced they have ranked #86 on the 2017 IDC FinTech Rankings.
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Objectway, a leading provider of investment management and digital software solutions to the worldwide financial services industry, announced they have ranked #86 on the 2017 IDC FinTech Rankings. The most comprehensive vendor ranking within the financial services industry, the annual IDC FinTech Rankings is based on 2016 calendar year revenues attributed to financial institutions.
Now in its 14th year, **the annual IDC FinTech Rankings** has become an important measure of the health and direction of technology in the industry and the emergence of innovative solutions from new players. In addition, the IDC FinTech Rankings serve as a critical tool for financial services institutions to use during strategic planning and to review whenever they consider new investments in third party solutions.
This year’s further ascent in the top 100 ranking makes us proud as it confirms, for the third year in a row, Objectway’s expansion and growth worldwide. Supporting leading financial institutions to digitalize their business, improve operational efficiency, client engagement and business agility, has revealed to be the winning strategy to help them facing the substantial change undergoing the financial services industry, driven by digitisation, consumerisation and disruption.
[](https://www.objectway.com/)### Luigi Marciano
CEO, Objectway Group
The **complete report** is available here:
[IDC Financial Insights FinTech Rankings Top 100 2017](https://www.idc.com/prodserv/insights/RESOURCES/ATTACHMENTS/FTRRankingsandRR2017.pdf)
## Related
[All](#)[\#customerexperience](#)[\#digital-transformation](#)[\#financialservices](#)[\#markettrends](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
[Studie: Veraltete Technologie bremst Wachstum bei Instituten](https://objectway.com/studie-veraltete-technologie-bremst-wachstum-bei-instituten/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Studie: Veraltete Technologie bremst Wachstum bei Instituten
4 September 2026
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**Categories:** Awards
**Tags:** GLO
---
### [Objectway vince il Best Performance Award di SDA Bocconi](https://objectway.com/objectway-si-e-aggiudicata-laward-nella-categoria-best-performing-small-company/)
**Published:** October 10, 2017
**Author:** Alessandro Rocco
**Excerpt:** Objectway si è aggiudicata l’award nella categoria Best Performing Small Company
**Content:**
# Objectway vince il Best Performance Award di SDA Bocconi
10 October 2017 – Objectway si è aggiudicata l’award nella categoria Best Performing Small Company.
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Organizzata da SDA Bocconi con J.P. Morgan Private Bank, PwC, Thomson Reuters e Gruppo 24Ore, la prima edizione dei Best Performance Award riconosce le migliori aziende che creano valore economico, tecnologico, umano, sociale e ambientale, operando in modo complessivamente sostenibile.
Rassegna stampa:
- [Reuters](https://it.reuters.com/article/businessNews/idITKBN1CG0TT-OITBS)
- [Il Sole 24 ore](http://www.ilsole24ore.com/art/impresa-e-territori/2017-10-11/illycaffe-best-performer-of-the-year-083419.shtml?uuid=AE9znwjC)
- [Advisor Private](http://www.advisoronline.it/private-banker/banche-private/44070-jp-morgan-private-bank-premia-l-eccellenza-sostenibile-dell-imprenditoria-italiana.action)
- [Etica News](https://www.eticanews.it/csr/allo-sda-bocconi-piace-il-caffe-di-illy/)
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8 September 2026
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7 September 2026
[Studie: Veraltete Technologie bremst Wachstum bei Instituten](https://objectway.com/studie-veraltete-technologie-bremst-wachstum-bei-instituten/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Studie: Veraltete Technologie bremst Wachstum bei Instituten
4 September 2026
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**Categories:** Awards
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---
### [Objectway shortlisted at the WealthBriefing Awards 2018](https://objectway.com/objectway-shortlisted-at-the-wealthbriefing-awards-2018/)
**Published:** March 26, 2018
**Author:** leo aloi
**Excerpt:** Objectway has been shortlisted for the WealthBriefing European Awards in two categories
**Content:**
# Objectway shortlisted at the WealthBriefing Awards 2018
26 March 2018
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**We are proud to announce that Objectway has been shortlisted at the WealthBriefing Awards** in the following categories:
CLIENT COMMUNICATIONS
INNOVATIVE CLIENT SOLUTION
Showcasing ‘best of breed’ providers in the global private banking, wealth management and trusted advisor communities, the **WealthBriefing awards** are designed to recognise companies, teams and individuals which the prestigious panel of judges deemed to have ‘demonstrated **innovation and excellence** during 2017’.
The winners will be announced at a gala awards dinner, which will be held in London on 26th April 2018 at the Guildhall.
## Related
[All](#)[\#customerexperience](#)[\#financialservices](#)[\#markettrends](#)[\#wealth-management](#)
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8 September 2026
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8 September 2026
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7 September 2026
[Studie: Veraltete Technologie bremst Wachstum bei Instituten](https://objectway.com/studie-veraltete-technologie-bremst-wachstum-bei-instituten/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Studie: Veraltete Technologie bremst Wachstum bei Instituten
4 September 2026
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**Categories:** Awards
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---
### [Objectway at #84 in the 2018 IDCfintech rankings by IDCfinancial insights](https://objectway.com/objectway-at-84-in-the-2018-idcfintech-rankings-by-idcfinancial-insights/)
**Published:** October 5, 2018
**Author:** leo aloi
**Excerpt:** Objectway is in the IDC top 100 for the fourth time in a row and our ranking has improved
**Content:**
# Objectway at #84 in the 2018 IDC FinTech rankings by IDC Financial Insights
26 September 2018 – Objectway is in the IDC top 100 for the fourth time in a row and our ranking has improved
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Objectway, a leading provider of investment management and digital software solutions to the worldwide financial services industry, announced they are ranked #84 on the 2018 IDC FinTech Rankings.
**IDC FinTech Rankings** is the most comprehensive vendor ranking within the financial services industry, and is based on 2017 calendar year revenues attributed to financial institutions.
The annual IDC FinTech Rankings has become an important measure of the direction of technology in the industry and the emergence of innovative solutions from new players. In addition, the IDC FinTech Rankings serve as a critical tool for financial services institutions to use during strategic planning and to review whenever they consider new investments in third party solutions.
**Check out the full Top 100 here**: [https://www.idc.com/prodserv/insights/RESOURCES/ATTACHMENTS/2018\_IDC\_Fintech\_Rankings\_and\_Real\_Results\_Winners\_FINAL.pdf](https://www.idc.com/prodserv/insights/RESOURCES/ATTACHMENTS/2018_IDC_Fintech_Rankings_and_Real_Results_Winners_FINAL.pdf)
Objectway is in the IDC top 100 for the fourth time in a row and our ranking has improved; that’s really good news, that bodes well for further expansion and growth worldwide. Our solutions are more and more the right answer to the continuous digitalisation and efficiency demands that stress the financial services firms today. Consumerisation and disruption can become opportunities, with the right software under the hood.
[](https://www.objectway.com/)### Luigi Marciano
CEO & Founder, Objectway
A place on the IDC FinTech Rankings is a significant accomplishment, demonstrating a provider’s commitment to the success of its financial institution clients. The IDC Fintech Rankings, now in its 15th year, is the global industry standard register of financial services tech providers, and we congratulate the 2018 winners.
[](https://www.idc.com/prodserv/insights/#financial)### Karen Massey
Research Manager, IDC Financial Insights
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7 September 2026
[Studie: Veraltete Technologie bremst Wachstum bei Instituten](https://objectway.com/studie-veraltete-technologie-bremst-wachstum-bei-instituten/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Studie: Veraltete Technologie bremst Wachstum bei Instituten
4 September 2026
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**Categories:** Awards
**Tags:** GLO
---
### [Have your say in determining the winner of the Systems in the City FinTech Awards 2019](https://objectway.com/have-your-say-in-determining-the-winner-of-the-systems-in-the-city-fintech-awards-2019/)
**Published:** May 21, 2019
**Author:** leo aloi
**Excerpt:** Vote for Objectway at the Goodacre Systems in the City FinTech Awards 2019
**Content:**
# Have your say in determining the winner of the Systems in the City FinTech Awards 2019
21 May 2019
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…and win a tasting experience at the Michelin-starred Benares restaurant!
Objectway are nominated for the following categories:
- Wealth Management
- Asset Management
- Portfolio Management
- Client Reporting
- Digital Solution
- Order Routing
- Order Management
- Performance Measurement
- Regulatory Compliance
Choose the categories that you would like to vote for the best system/solution and select Objectway.
Goodacre will add you to their free prize draw to have the opportunity of winning a six course tasting menu with champagne cocktail for two at Michelin starred Benares in Mayfair, London.
Voting will finish on **03rd June** and the awards will be decided on both the ratings and the amount of votes we get. So, pass this link to your peers to encourage them to vote for Objectway, as well!
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[All](#)[\#customerexperience](#)[\#digitaltransformation](#)[\#financialservices](#)[\#markettrends](#)
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8 September 2026
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8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
[Studie: Veraltete Technologie bremst Wachstum bei Instituten](https://objectway.com/studie-veraltete-technologie-bremst-wachstum-bei-instituten/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Studie: Veraltete Technologie bremst Wachstum bei Instituten
4 September 2026
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**Categories:** Awards
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---
### [Objectway tra i top 500 champions che trainano l’economia italiana](https://objectway.com/objectway-tra-i-top-500-champions-che-trainano-leconomia-italiana/)
**Published:** March 31, 2019
**Author:** Alessandro Rocco
**Excerpt:** Objectway è una delle 500 imprese italiane inserite nella classifica Top 500 Champions realizzata dal Centro Studi di ItalyPost in collaborazione con l’Economia del Corriere della Sera.
**Content:**
# Objectway tra i top 500 champions che trainano l’economia italiana
31 March 2019 – Objectway è una delle 500 imprese italiane inserite nella classifica Top 500 Champions realizzata dal Centro Studi di ItalyPost in collaborazione con l’Economia del Corriere della Sera.
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Objectway, leader nel settore del Digital Wealth, Investment & Asset Management, è una delle 500 imprese italiane inserite nella classifica Top 500 Champions. L’eccellenza nelle performance di bilancio per ottenere il prestigioso riconoscimento di ItalyPost in collaborazione con L’Economia del Corriere della Sera.
L’indagine, presentata venerdì scorso in Borsa Italiana, ha analizzato i bilanci dal 2011 al 2017 di circa 11.600 imprese attive in Italia con fatturato tra i 20 e i 120 milioni di Euro. I top performer hanno dovuto dimostrare di possedere contemporaneamente più **requisiti di assoluta eccellenza**: tasso di crescita annua di almeno il 7%, un ebitda medio degli ultimi tre esercizi del 10%, un rapporto Pfn/ebitda di 1,8 e un rating attribuito da Modefinance con almeno una tripla B.
La classifica fotografa una realtà imprenditoriale eterogenea, ma con alcuni driver comuni. Le aziende incluse nella Top 500 hanno puntato sulla specializzazione e su segmenti di business ad alto valore aggiunto, investendo sull’innovazione continua e sulla crescita anche per linee esterne. Hanno inoltre avuto la capacità di sviluppare competenze tecnologiche e di business altamente qualificate, per offrire il meglio del binomio tecnologia-qualità, anticipando le esigenze del proprio mercato di riferimento e reagendo con prontezza alle variazioni o alle congiunture negative.
La presenza nella Top 500 Champions ci rende davvero orgogliosi poiché premia il lavoro svolto e la strategia di crescita intrapresa in questi anni. Le nostre radici sono saldamente italiane, qui abbiamo raggiunto la leadership di mercato e da qui siamo cresciuti a livello globale fino a operare oggi in tre continenti. L’unione della nostra consolidata esperienza come player core wealth-technology con l’innovazione tipica di una FinTech ci consente di competere anche con i grandi player multi-business, grazie ad avanguardia tecnologica e conoscenza approfondita dei mercati finanziari.
[](https://www.objectway.com/)### Luigi Marciano
CEO e fondatore, Objectway
## Related
[All](#)[\#customerexperience](#)[\#digital-transformation](#)[\#financialservices](#)[\#markettrends](#)
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8 September 2026
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8 September 2026
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7 September 2026
[Studie: Veraltete Technologie bremst Wachstum bei Instituten](https://objectway.com/studie-veraltete-technologie-bremst-wachstum-bei-instituten/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Studie: Veraltete Technologie bremst Wachstum bei Instituten
4 September 2026
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**Categories:** Awards
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---
### [The Financial Centres Summit14th September 2018](https://objectway.com/the-financial-centres-summit/)
**Published:** September 14, 2018
**Author:** Alessandro Rocco
**Excerpt:** Objectway will partecipate at the Financial Centres Summit Dublin 2018
**Content:**
# Customer Experience in Financial Services
14th September 2018 – Objectway will be presenting “Digital Advisory: Digital meets and needs human” at the Financial Centres Summit, 2018 edition.
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Inspiring figures will address the themes of product development, risk management, the forces of technology, and the product and jurisdictional platforms of the future in 13 sessions that will hear over 60 speakers expert in global capital markets, portfolio management, funds, and aviation finance. The Summit will present opportunities for delegates to mix at the social events at the Summit which will start with a Welcome Reception on the evening of October 2nd in Castle Hall, Dublin Castle. This will follow the afternoon Masterclass Workshop, with ‘Blockchain’ as its theme, that will kick off the Summit with sessions that will examine applications up and running in areas including derivatives contracts, insurance, and KYC/moneylaundering.
## Agenda
2nd and 3rd October 2018
10:00am
Digital Advisory: Digital meets and needs human
David Wilson, Objectway Senior Business Development Manager
## Event Information
2nd and 3rd October 2018, Castle Hall, Dublin Castle, Dublin
Meet us at our booth or [book a meeting here.]()
## Speaker
David Wilson
David Wilson has been working in the software services industry for over 30 years, his experience spans development, services and sales across Europe, North America and Asia. He has spent the last 20 years in in providing solutions to the Wealth management Industry globally. Today he is Objectway Senior Business Development Manager for UK and Ireland.
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**Categories:** Event
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---
### [Objectway speaker at The Securities Industry Conference14th September 2018](https://objectway.com/objectway-speaker-at-the-securities-industry-conference/)
**Published:** September 14, 2018
**Author:** Alessandro Rocco
**Excerpt:** Objectway will present at The Securities Industry Conference
**Content:**
# Objectway speaker at The Securities Industry Conference
14th September 2018 – Objectway will present at The Securities Industry Conference by Goodacre
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The Securities Industry Conference is the only City based event which consistently provides the full range of speakers across all sectors of the Securities Industry.
## Agenda
5th October 2018
11:45am
Flexible Onboarding… the fastest way to revenue
David Wilson, Objectway Senior Business Development Manager
Attend Objectway presentation to explore how a flexible onboarding can support you in improving the business efficiency by cutting waiting times, eliminating paper, maximizing errors.
## Event Information
Wednesday, 05th Oct 2018, 9am London – 14pm London, RBS, 280 Bishopsgate, London, EC2M 4RB
Meet us at our booth or [book a meeting here.]()
## Speaker
David Wilson
David Wilson has been working in the software services industry for over 30 years, his experience spans development, services and sales across Europe, North America and Asia. He has spent the last 15 years in in providing solutions to the Wealth management Industry globally. Today he is Objectway Senior Business Development Manager for UK and Ireland.
## Sign Up for our Newsletter
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---
### [Objectway and TreeTop at the Efma Affluent and Private Banking Summit7th June 2018](https://objectway.com/objectway-and-treetop-at-the-efma-affluent-and-private-banking-summit/)
**Published:** June 7, 2018
**Author:** Alessandro Rocco
**Excerpt:** Objectway and TreeTop at the Efma Affluent and Private Banking Summit
**Content:**
# Objectway and TreeTop at the Efma Affluent and Private Banking Summit
7th June 2018 – Objectway and TreeTop will share the stage at the Efma Affluent and Private Banking Summit, to discuss about their collaboration.
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Do not miss the chance to catch up with your peers at the Affluent and Private Banking Summit, which will focus on creating a high-value banking experience for affluent customers. Both the affluent and private banking sectors will continue to grow in 2018, spurred by the rise in the number of technologies that enable banks to deliver the kind of customized and value-added services and experiences wealthy customers demand.
Delegates at the event will benefit from case study presentations, breakout sessions and panels to discuss key topics such as:
- Digital, data, automation and new entrants
- Business models for an evolving market
## Agenda
13th and 14th June 2018
09:30am – 10:15am
Affluent & private clients asset management digitalisation
14th June – Julien Palissot, Project Manager at TreeTop Asset Management, & Kurt Vanhee, Objectway Managing Director Continental Europe & North America
Join us for our presentation about which new or disruptive concepts and approaches are looming on the horizon. Some “food for thought” to ponder about potential future levers of differentiation and for Objectway as a high-level canvas for future roadmap considerations. Objectway is glad to share the stage with Julien Palissot, Project Manager at **TreeTop**, to discuss about our successful collaboration.
## Event Information
13th June and 14th June 2018, Paris
For more information [book a meeting here.]()
## Speaker
Kurt Vanhee
With a professional career of nearly 30 years in various roles in large and medium size banking and IT organizations, Kurt has built a strong knowledge of Wealth Management, IT, Customer Delivery and Business Development activities in an international environment. In his current position at Objectway, as Managing Director Continental Europe & North America, he encourages a customer-centric approach.
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### [Breakfast Briefing “Adapting to a rapidly changing Wealth Management business to ensure tomorrow’s growth”29th May 2018](https://objectway.com/breakfast-briefing-adapting-to-a-rapidly-changing-wealth-management-business-to-ensure-tomorrows-growth/)
**Published:** May 29, 2018
**Author:** Alessandro Rocco
**Excerpt:** Breakfast Briefing “Adapting to a rapidly changing Wealth Management business to ensure tomorrow’s growth”
**Content:**
# Breakfast Briefing “Adapting to a rapidly changing Wealth Management business to ensure tomorrow’s growth”
29th May 2018 – Objectway and MCI are delighted to invite you to their breakfast briefing in Sandton, Johannesburg this June.
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With a new generation of clients emerging, coupled with changing regulations, wealth managers are under pressure to transform their business models and adopt new technologies to support the customer journey. To keep abreast of how to deal with these challenges and get a glimpse into emerging technologies and their agile adoption, we invite you to join our two hour event. Join us for breakfast and network with industry peers to explore the latest trends that are converging to create the new Wealth Management landscape.
## Agenda
21st June 2018
08:00am – 08:45am
Registration & Breakfast
08:45am – 09:10am
Global Trends in Wealth Advisory: Going beyond Robo
David Wilson, Objectway Senior Business Development Manager
Digitalisation can meet human needs but also needs the human factor, blending robo capabilities with personal interaction to effectively mass-customise personalised investment advice.
09:10am – 09:35am
Digitising the Customer Journey – gearing up for improved customer servicing
Jan Rabbets, Parter MCI
MCI will outline how they are adapting new ideas and technology to offer their next generation of front and back office platforms.
09:35am – 10:00am
Exploring the future of the Wealth Management Industry in SA
Magnus de Wet, Director Vista Wealth Management
Magnus de Wet will offer his predictions on what will change the industry and how we need to adapt our business models, technology and processes in order to take advantage of the changing landscape.
10:00am
Session Conclusion & Networking
## Event Information
Thursday, 21st June 2018, 8am – 10am, Radisson Blu Gautrain Hotel Sandton Cnr Rivonia Road and West Street, Sandton 2196
[Book a meeting here.]()
## Speaker
David Wilson
David Wilson has been working in the software services industry for over 30 years, his experience spans development, services and sales across Europe, North America and Asia. He has spent the last 15 years in in providing solutions to the Wealth management Industry globally. Today he is Objectway Senior Business Development Manager for UK and Ireland.
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---
### [Objectway a #SDR1823rd March 2018](https://objectway.com/objectway-a-sdr18/)
**Published:** March 23, 2018
**Author:** Alessandro Rocco
**Content:**
# Objectway a #SDR18
23rd March 2018 – Objectway presenterà all’edizione 2018 de Il Salone del Risparmio, insieme a Massimo Arrighi.
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## Agenda
10th, 11th e 12th April 2018
The future of Digital Advisory: Human Governance and Robo-Planning?
Objectway, in collaborazione con Massimo Arrighi di ATKearney
Processi di onboarding automatizzati, piattaforme digitali intelligenti e strumenti di pianificazione commerciale per la generazione automatica di proposte personalizzate. Il futuro della consulenza digitale è dove human governance e robo advisory si incontrano. **Moderatore della conferenza**: **Francesco D’Arco** – Direttore Responsabile di Advisor.
## Event Information
10th – 11th – 12th April 2018, Allianz MiCo, Milano Convention Centre, Milano
Per iscriversi alla conferenza, è necessario essere registrati al sito del Salone del Risparmio [qui.](https://www.salonedelrisparmio.com/area-riservata/#/?sendRedirect=%2Fconferences%3Fid%3D450) La Sala ha capienza limitata: i primi 100 iscritti avranno accesso diretto, i successivi rientreranno nella lista di attesa e potranno accedere alla sala in caso di rinuncia. Vieni ad incontrarci o [contattaci qui.]()
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### [Objectway and CBP sponsor at BVI Fund Operations Konferenz19th March 2018](https://objectway.com/objectway-and-cbp-sponsor-at-bvi-fund-operations-konferenz/)
**Published:** March 19, 2018
**Author:** Alessandro Rocco
**Excerpt:** Join Objectway and CPB at Bvi Fund Operations Konferenz
**Content:**
# Objectway and CBP sponsor at BVI Fund Operations Konferenz
19th March 2018 – Objectway, together with CPB, is proud sponsor of Bvi Fund Operations Konferenz.
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## Agenda
22nd March 2018
Join Objectway and CPB at Bvi Fund Operations Konferenz!
Objectway, together with CPB, is a proud sponsor of Bvi Fund Operations Konferenz: the conference will highlight current industry trends in securities and fund transaction, reporting, and digitization in asset management.
03:00pm – 03:20pm
Fonds – und Vermögensberatung im Wandel – vom persönlichen Gespräch über Robo- zu Hybrid-Beratung” (Funds and Wealth management: from face to face, over Robo to Hybrid Advisory)
Jos Martens, Objectway Senior Business Development Manager
We will explore the move from face to face, personal advisory over Robo Advisory to the Hybrid Advisory process, where we will combine both the human and the digital advisory processes.
## Event Information
22nd March 2018, Kap Europa Congress Center, Frankfurt.
Meet us at our booth or [book a meeting here.]()
## Speaker
Jos Martens
Jos has been working for Objectway since 2006 in a number of international business development, sales and partner management roles. Today he is the Sales and Business Development Director with a focus on Benelux and Nordics areas.
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---
### [Objectway sponsor at IT FORUM 201716th November 2017](https://objectway.com/objectway-sponsor-a-it-forum-2017/)
**Published:** November 16, 2017
**Author:** Alessandro Rocco
**Excerpt:** Objectway sponsor a IT FORUM 2017
**Content:**
# Objectway sponsor at IT FORUM 2017
16th November 2017 – Objectway prenderà parte alla tavola rotonda “Digital Finance – Tecnologia al servizio dei consulenti”.
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## Agenda
23 Novembre 2017
04:45pm – 05:45pm
Digital Finance – Tecnologia al servizio dei consulenti
Marco Barlassina, Direttore Forbes Italia.
Objectway sponsor a ITForum Milano, evento in cui verranno presentati i nuovi processi, prodotti e analisi relative alle opportunità di trading e di investimento del mercato. Objectway, insieme agli altri protagonisti di settore, prenderà parte alla tavola rotonda “Digital Finance – Tecnologia al servizio dei consulenti”: un viaggio tra le piattaforme tecnologiche e le soluzioni a disposizione degli intermediari finanziari per operare in sicurezza e con profitto in ottemperanza con la direttiva Mifid II.
## Event Information
23 Novembre 2017, 9:30am, Palazzo delle Stelline, Milano
Meet us at our booth or [book a meeting here.]()
## Speaker
Marco Barlassina
Marco ha lavorato come Editor in Chief per Forber Italia dal 2017 al 2020. Attualmente lavora come direttore di presso Class Editori.
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### [Wealth management in the digital era – bridging the gap between robo & human advice15th May 2017](https://objectway.com/wealth-management-in-the-digital-era-bridging-the-gap-between-robo-human-advice/)
**Published:** May 15, 2017
**Author:** Alessandro Rocco
**Excerpt:** Objectway is setting the breakfast briefing: Wealth Management in the Digital Era -‘Bridging the gap between robo & human advice’
**Content:**
# Customer Experience in Financial Services
15th May 2017 – Objectway is setting the breakfast briefing: Wealth Management in the Digital Era – ‘Bridging the gap between robo & human advice’.
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## Agenda
15th May 2017
During the two hour event attendees will enjoy breakfast networking with other C-level Wealth Managers, will be updated on the wealth management trends, the changing business environment and how digital technology developments form important building blocks for future-proof business models.
08:00am – 08:45am
Registration & breakfast
08:45am – 09:15am
**Transformation towards digital client offering in the context of a large enterprise**
Andrew Wilson, PwC
Our guest speaker, **Andrew Wilson**, will share his experience on the transformation towards digital client offerings, and will talk about the requirements for setting up and shaping digital. Andrew will conclude his presentation with the involvements of going digital and what are the lessons learned in the context of a large enterprise?
09:15am – 09:45am
**Leveraging a Digital Wealth Management platform to improve advisor-client relationship**
David Wilson, Objectway Senior Business Development Manager
09:45am – 10:00am
Networking
## Event Information
15th May 2017, 08:00am – 10:00am, Radisson Blu Gautrain Hotel Sandton Cnr Rivonia Road and West Street, Sandton 2196
## Speaker
David Wilson
David Wilson has been working in the software services industry for over 30 years, his experience spans development, services and sales across Europe, North America and Asia. He has spent the last 15 years in in providing solutions to the Wealth management Industry globally. Today he is Objectway Senior Business Development Manager for UK and Ireland.
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### [Global WealthTech Summit 201831st October 2018](https://objectway.com/global-wealthtech-summit-2018/)
**Published:** October 31, 2018
**Author:** Alessandro Rocco
**Excerpt:** Objectway will present at the Global WealthTech Summit 2018
**Content:**
# Global WealthTech Summit 2018
31st October 2018 – Objectway will present the “Next Generation Advisory” at the Global WealthTech Summit 2018
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The Global WealthTech Summit is the centre-piece of Europe’s largest WealthTech event in 2018. Taking Place on November 7th in London, the event has a packed agenda where the most senior individuals in the financial services and technology industries are contributing with thought-leader presentations, panel discussions, session chairing, exclusive workshops. The event will be attended by more than 500 delegates from financial institutions and asset management firms.
## Agenda
7th November 2018
“Next Generation Advisory”
David Wilson, Objectway Senior Business Development Manager
Don’t miss Objectway’s presentation and follow the panel discussion we are contributing to: “Overcoming Regulatory Challenges & Identifying New Opportunities”
## Event Information
7th November 2018, Kings Place, York Way, London
Meet us at our booth or [book a meeting here.]()
## Speaker
David Wilson
David Wilson has been working in the software services industry for over 30 years, his experience spans development, services and sales across Europe, North America and Asia. He has spent the last 20 years in in providing solutions to the Wealth management Industry globally. Today he is Objectway Senior Business Development Manager for UK and Ireland.
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### [Objectway Silver Sponsor of the 9th DACH Congress for Financial Information24th April 2019](https://objectway.com/objectway-silver-sponsor-of-the-9th-d-a-ch-congress-for-financial-information/)
**Published:** April 24, 2019
**Author:** Alessandro Rocco
**Content:**
# Objectway at the 9th DACH Congress for Financial Information
24th April 2019 – Objectway will be Silver Sponsor at the 9th edition of the Financial Forum Congress.
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## Agenda
24th April 2019
Digitalisation in Wealth Management: from Client Onboarding to Digitally Enabled Advisory
Jos Martens, Objectway Senior Business Development Manager
**DKF 2019** brings together business executives, solution providers and opinion leaders from the financial services industry. Featuring a conference as well as an exhibition, the event allows both software providers and financial institutions to combine an informative and thought-provoking conference program with a **review of products, technologies and solutions** that are proven to answer the current needs of the financial industry.
The presentation will highlight:
- **the digitalisation trends** that are impacting the wealth management industry;
- **how Objectway solutions** enable today’s wealth managers and private banks to move into tomorrow’s digital era.
## Event Information
24th April 2019
Meet us at our booth or [book a meeting here.]()
## Speaker
Jos Martens
Jos has been working for Objectway since 2006 in a number of international business development, sales and partner management roles. Today he is the Sales and Business Development Director with a focus on Benelux and Nordics areas.
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---
### [Expand your capabilities and empower your business5th June 2019](https://objectway.com/expand-your-capabilities-and-empower-your-business/)
**Published:** May 6, 2019
**Author:** Alessandro Rocco
**Content:**
# Expand your capabilities and empower your business
5th | 6th June 2019 – Join us at our events to uncover what some of the leading wealth & investment firms are doing to drive revenue growth. Get a roadmap to a WealthTech strategy that drives value for your business and your customers.
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## Agenda
5th June 2019, Johannesburg
6th June 2019, Cape Town
08:00am – 10:00am
Expand your capabilities and empower your business
Objectway and MCI
Just about every piece of research on WealthTech is saying the same thing: technology-driven solutions will revolutionise our industry and bring massive efficiencies throughout the value chain. Join us to explore how to cost effectively deliver on this promise, whilst retaining your investment in your current systems.
You’ll come away with a clear understanding of how you too can benefit from best-of-breed technology which seamlessly integrates with your existing systems for aggressive revenue growth.
08:00am – 08:45am
Registration, Breakfast & Networking
08:45am – 09:05am
WealthTech: Strategies driving value for your business and customers
Greg Bernard, MCI
09:05am – 09:25am
Roadmap: augment your current technology investments to expand your capabilities and empower your business
Jan Rabbets, MCI
09:25am – 09:45am
Empowering traditional business with an integrated digital wealth platform
David Wilson, Objectway Senior Business Development Manager
09:45am – 10:00am
Q&A Session
## Event Information
5th June 2019, Johannesburg
6th June 2019, Cape Town
Meet us at our booth or [book a meeting here.]()
## Speaker
David Wilson
David has been working in the software services industry for over 30 years, his experience spans development, services and sales across Europe, North America and Asia. He has spent the last 15 years in in providing solutions to the Wealth management Industry globally. Today he is Objectway Senior Business Development Manager for UK and Ireland.
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---
### [Front Office goes Digital - Edinburgh24th September 2019](https://objectway.com/front-office-goes-digital-edinburgh/)
**Published:** July 31, 2019
**Author:** Alessandro Rocco
**Excerpt:** Learn how to improve advisor productivity and client experience with intelligent customer management, daily planning and high levels of automation.
**Content:**
# Front office goes digital
24th September 2019 – Objectway and Goodacre are delighted to set our next joint thought-leadership session “Front Office Goes Digital”, which will focus on innovation within Front Office operations and technologies.
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## Agenda
24th September 2019
08:30am – 11:00am
Front-office goes digital
Objectway and Goodacre
08:30am – 09:20am
Registration and Tea & Coffee
09:20am – 09:40am
The Future of the Front-Office
Gary Logan, Associate Partner Global Wealth & Asset Management, Ernst & Young
09:40am – 10:10am
Combining Quantitative and Qualitative Data to Maximise Efficiency & Scalability
Andrew Spence, COO & Investment Director, Charlotte Square IM
10:10am – 10:35am
Boosting Front Office Productivity
David Wilson, Objectway Senior Business Development Manager
10:35am – 11:00am
Final Questions and Networking
## Event Information
24th September 2019, Apex Waterloo Place Hotel, 23-27 Waterloo Place, Edinburgh, EH1 3BH
The session is reserved to financial institutions only.
Meet us at our booth or [book a meeting here.]()
## Speaker
David Wilson
David has been working in the software services industry for over 30 years, his experience spans development, services and sales across Europe, North America and Asia. He has spent the last 15 years in in providing solutions to the Wealth management Industry globally. Today he is Senior Business Development Manager for UK and Ireland.
## Sign Up for our Newsletter
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---
### [Breakfast Briefing: Investment Management in a connected world18th October 2019](https://objectway.com/breakfast-briefing-investment-management-in-a-connected-world/)
**Published:** September 9, 2019
**Author:** Alessandro Rocco
**Excerpt:** How investment professionals can cope with the new, demanding generation of clients, and with changing regulations.
**Content:**
# Breakfast Briefing: Investment Management in a connected world
18th October 2019 – Objectway and MCI are delighted to invite you to our breakfast briefing on: “Improving today’s wealth management business to ensure tomorrow’s growth”.
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## Agenda
18th October 2019
08:00am – 10:00am
Investment Management in a connected world
Objectway and MCI
With a new generation of clients emerging, coupled with changing regulations; **wealth managers** are under pressure to transform their business models and adopt new technologies to support the customer journey.
To keep abreast of how to deal with these challenges and get a glimpse into emerging technologies and their adoption, we invite you to join our 2-hour event.
Join us for breakfast and network with industry peers to explore the latest trends that are converging to create the new Wealth Management landscape.
08:00am – 08:45am
Registration, breakfast & Networking
08:45am – 9:10am
Insights into some of the key global trends impacting Investment Managers
David Wilson, Objectway Senior Business Development Manager
9:10am – 9:25am
Industry Focus: seize the opportunity by leveraging the latest technology
Presented by MCI
9:25am – 9:45am
Investment Management Platform: explore our fully hosted integrated
Front-to-Back digital solution
Presented by MCI
9:45am – 10:00am
Q&A Session
## Event Information
18th October 2019, London
## Speaker
David Wilson
David has been working in the software services industry for over 30 years, his experience spans development, services and sales across Europe, North America and Asia. He has spent the last 15 years in providing solutions to the Wealth management Industry globally. Today he is Objectway Senior Business Development Manager for UK and Ireland.
## Sign Up for our Newsletter
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---
### [WM Summit Wien8th June 2021](https://objectway.com/wm-summit-wien-8-june/)
**Published:** May 31, 2021
**Author:** Lorenzo Noventa
**Excerpt:** Objectway sponsors the WM Summit 2021 in Wien, organised by WM Gruppe - the meeting to discuss the future of banking.
**Content:**
# WM Summit Wien
8th June 2021 – Objectway sponsors the WM Summit 2021 in Wien, organised by WM Gruppe.
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## Agenda
8th June 2021
2:05pm – 2:35pm
Digitising Wealth Management for Tangible Customer and Shareholder Value
Jos Martens, Objectway Senior Business Development Manager
After more than a year of virtual events, approximately 35 experts from the financial services industry met in Vienna during the WM Summit, to discuss topics ranging from Big Data, Artificial Intelligence, Data Analytics, Machine learning, Digitalisation, to tax reclaims, ESG and Taxonomy.
Our presentation focused on how to help prominent Wealth Managers engage with their clients, paying particular attention to hyper personalisation and how it is making its entry into wealth management via behavioural finance – used to both implement client profiling and deliver hyper personalised advisory.
Objectway is showcasing how to gain tangible customer and shareholder value by digitizing wealth management, through a real business case of a leading digitally enabled wealth manager who made the transition to digital precedence, benefitting from a hyper-personalised wealth management system.
## Event Information
8th June 2021, Andaz Vienna Am Belvedere Arsenalstrasse 10 Wien, Austria, 1100
[FIND OUT MORE](https://www.wmseminare.de/veranstaltung/1508/agenda/1)
## Speaker
Jos Martens
Jos has been working for Objectway since 2006 in a number of international business development, sales and partner management roles. Today he is the Sales and Business Development Director with a focus on Benelux and Nordics areas.
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---
### [Objectway Acquires Leading German Core Banking Software Specialist Die Software Peter Fitzon](https://objectway.com/objectway-acquires-leading-german-core-banking-software-specialist-die-software-peter-fitzon/)
**Published:** August 10, 2021
**Author:** Lorenzo Noventa
**Excerpt:** Objectway, Global Top 100 fintech provider of Digital Wealth and Asset Management software, acquired Die Software Peter Fitzon GmbH
**Content:**
# Objectway Acquires Leading German Core Banking Software Specialist Die Software Peter Fitzon
10 August 2021 – Objectway announced the acquisition of Die Software Peter Fitzon GmbH (DSW), a primary German provider of Core Banking solutions.
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Objectway, Global Top 100 fintech leader in the Digital Wealth and Asset Management software, announced today the acquisition of Die Software Peter Fitzon GmbH (DSW), a primary German provider of Core Banking solutions.
Founded in 1990, **Objectway** provides leading financial institutions with state-of-the-art technology to support their digital transformation programs, supplying front-to-back, intelligent and cloud-ready solutions that power up customer engagement, front-office productivity and back-office operational efficiency. **Die Software** is a leading provider of Core Banking solutions in German-speaking Europe, with more than 35 years of market presence. Its complete, open and modular platform fulfils the needs of prominent private banks, retail banks and central banks in the DACH area and in Luxembourg.
With this acquisition, Objectway complements and strengthens its Wealth and Asset Management offerings with a solid and comprehensive Core Banking platform. This creates an open, modular, end-to-end **banking suite** geared to support the digital transformation of **private banks, retail banks, wealth and asset managers**, further driving the future expansion in EMEA and globally. As an EMEA leader in digital banking solutions, Objectway will now serve more than 200 clients in the region, boosting revenues in excess of €100 million.
“Our companies have a common DNA rooted in inherent culture of professionalism and drive for dependable perfection. We also believe in strong customer focus, delivering value and service quality in partnership with our clients. This makes our combined business highly promising for both firms, but also for our current and future customers, giving our talented and ambitious teams exciting goals and achievements to aspire for,” said **Klaus Friese**, **Die Software Co-Owner and Managing Director**. “The whole Die Software team is committed to driving forward our new group strategy and with such an established international player we will be able to support our development in the long-term guaranteeing continuity, stability and an exciting future of accelerated growth in new markets”.
Core banking solutions were built historically on reliability rather than open architectures. Digital banking, APIs and Cloud have created a significant shift in the way banking products are constructed. Financial institutions now need to address the imperatives underpinning next-generation core banking applications (in terms of scale, functionality, integration and the public cloud) to be able to process transactions in real time, release new features frequently and scale up their IT infrastructures. The combined Objectway and Die Software value proposition will respond to these new requirements, with the aim to become the fintech partner of choice for financial institutions.
Objectway was advised by BNP Paribas, Giovannelli e Associati studio legale, Loeschner Rechtsanwaltsgesellschaft, Accuracy, Hilex – Avvocati associati, P+P Pöllath + Partners Rechtsanwälte und Steuerberater, Flick Gocke Schaumburg, and Tax Partner AG.
Die Software Peter Fitzon was advised by IPontix Corporate Finance and Witzel Erb Backu & Partner Rechtsanwälte BNL is acting as sole lead manager and bookrunner on the associated financing.
Objectway
Building on more than 30 years of business expertise, Objectway is a fast-growing international player in the Wealth and Asset Management space empowering clients to embrace their future challenges while providing great performance today. The company is a future-proof technology provider with a well-established track record in the financial services industry.
The group is a Global Top 100 fintech provider (IDC ranking), whose clients include 200+ leading Wealth Managers, Banks, Asset Managers, Fund Managers, Insurers and Outsourcing providers in more than 15 countries. Objectway operates from offices in Italy, UK, Ireland and Belgium serving clients in 4 continents, and supporting approximately 100,000 investment professionals to manage more than £1 trillion in assets.
Die Software
Die Software is one of the leading providers of core banking solutions in German-speaking Europe, with more than 35 years of banking experience. Founded in 1983, Die Software has over 140 staff members working from the company’s locations in Munich and in Zurich. Its modular Core Banking system fits the needs of banks of all sizes and business models. Clients include leading private banks, retail banks and special institutions in Germany, Austria and Switzerland as well as in Luxembourg.
Die Software connects all ecosystem players via an open architecture. Through best-practice processes, integrated EU regulation standards and established business logic, Die Software provides clients with a competitive advantage. The Core Banking platform offers a hub for the digitalisation of all business models and drives the banking of the future.
Die Software-team has done a fantastic job in developing a world-class banking platform with a loyal client base. Objectway places great importance on continuing to develop and evolve core banking platforms of its customers and to build long-term commercial relationships. We aim at creating a unique and complete banking suite that combines Die Software solutions with Objectway’s cutting-edge technologies in digital client management, investment advisory and portfolio management, to be deployed through Business Process as a Service (BPaaS) and Software as a Service (SaaS) models. We will also promote the global expansion of Die Software solutions by taking advantage of our presence in UK, Italy, Benelux and beyond.
[](https://www.objectway.com/)### Luigi Marciano
CEO and Founder, the Objectway Group
We are delighted to be joining the Objectway Group, a solid and highly trusted company with a long-lasting track record in the industry. This will further help to enhance our client coverage and geographical footprint across EMEA. With Objectway, we found a perfect new home to continue our growth path, providing our staff and clients peace of mind that our heritage will be in good hands in this ever changing environment.
[](https://www.objectway.com/)### Peter Fitzon
Founder, Die Software
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**Categories:** Press Release
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---
### [Hyper-Personalization in the context of investor risk profiling](https://objectway.com/hyper-personalization-in-the-context-of-investor-risk-profiling/)
**Published:** August 21, 2023
**Author:** Silvia Boccuzzi
**Content:**
[  ](/technology)
# Hyper-Personalization in the context of investor risk profiling
[Jurgen Vandenbrouck](https://www.linkedin.com/in/jurgen-vandenbroucke-phd-7ab0101/)
Managing Director at EveryoneINVESTED
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#DigitalChange](/owintalk/digitalchange/)[\#Digitalisation](/owintalk/digitalisation/)[\#ClientExperience ](/owintalk/clientxexperience/)[\#HyperPersonalisation](/owintalk/hyper-personalisation/)
Investors differ in how they balance long-term risk and reward. Jurgen Vandenbrouck PhD, managing director at EveryoneInvested, analyses how hyper-personalization can help to define risk profile.
**Categories:** #ClientExperience, #DigitalChange, #Digitalisation, #HyperPersonalisation, Podcast
---
### [Top Emerging Technologies in Wealth Management 2023](https://objectway.com/top-emerging-technologies-in-wealth-management-2023/)
**Published:** August 10, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Business and technology professionals in wealth management are increasing their investments in emerging technologies to enhance their operations and efficiency
**Content:**
[  ](/market-trends/)
###### August 10, 2023
# Top Emerging Technologies in Wealth Management 2023
[Alessandro Ambrosini](https://www.linkedin.com/in/alessandro-ambrosini3/)
PRODUCT MARKETING SPECIALIST
Reading time: 3 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Automation](/automation/)[\#DigitalCollaboration](/digital-collaboration/)[\#Cloud](/cloud-2/)[\#Hyperpersonalisation](/hyper-personalisation/)[\#Esg](/esg/)
In the modern era, the financial world has taken an increasingly technological and innovative turn. Within the private banking and wealth management industry, this evolution has created new demands, such as the call for technology that facilitates more immediate, timely communication between clients and managers from different areas, e.g. investment managers and relationship managers. This is just one example of how modern technology is propelling the industry forward.
Navigating the technological frontier
At the beginning of the year, Forrester published a trends report highlighting the key emerging technologies in wealth management in 2023, based on the type of innovation that they will bring to the market.
From a general perspective, a significant fact to point out is that two-thirds of business and technology professionals in wealth management firms are increasing their spending on emerging technologies and want to maintain a high level of technology aimed at improving business operations.
Cloud-native computing has primarily captured the attention of Wealth Management Firms, carrying key benefits in terms of better systems to help investors and financial advisors make more effective decisions when firms adopt the building blocks of cloud-native and implement modern cross-cloud and hybrid-cloud architectures.
Next in line is Explainable AI, which can create verification and monitoring models and provide investors with an explanation of the rationale behind any investment recommendation. Transparency in the understanding of how financial advice is derived from AI-based systems is crucial for wider investor acceptance and trust.
In the same vein, but with a different application, the technology of Intelligent Agents is helping asset management firms increase efficiency and reduce operating costs. Chatbots, for example, use conversational AI to help firms divert calls away from the contact center, this way allowing employees to focus on more value-added interactions.
The use of these technologies leads to some innovative wealth management activities, like Hyper-personalised Customer Experience with Machine Learning, allowing a whole set of huge data to be merged, creating a customer-oriented database. Decision makers will be able to exploit this data set to make better choices, with increasingly accurate simulations and forecasts.
By exploiting this system, winning companies will be able to propose increasingly accurate investment ideas based on customer behavior.
After this implementation using Machine Learning, [Automation Fabric](/unveiling-the-benefits-of-business-process-automation/) is a broad category of technologies that combine the building blocks of AI – e.g. computer vision, text analysis and machine learning – with software platforms such as robotic and digital process automation. This technology is implemented in Wealth Management companies with the use of OCR, facilitating the completion of tax forms, financial statements and other administrative documents.
Moreover, as investors are increasingly demanding sustainable investment solutions, Asset Management Firms are combining the different capabilities of these technologies to produce Sustainability ratings and ESG (Environmental, Social and Governance) analyses. Using ESG data analysis tools, ratings and insights, asset management companies can offer their clients an innovative real-time view of their sustainable investments by setting sustainability benchmarks. In addition, advisors will have a screening tool to differentiate and identify the values of each individual investor.
Emerging technologies in wealth management are undoubtedly offering new opportunities for investors and financial advisors. As we navigate 2023 and beyond, we can expect to see further advancements in these technologies, creating a more efficient, seamless wealth management experience. It is therefore essential for businesses and individuals in the industry to keep up with these trends to stay ahead of the curve and reap the benefits of these game-changing technologies.
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### Modernization, innovation, and transformation in Financial Services
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### Tech-driven Transformation: Emerging Trends for Investment Managers
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[](/the-future-of-wealth-management-digital-transformation-and-esg-factors/)
**Categories:** #Automation, #Cloud, #DigitalCollaboration, #Esg, #HyperPersonalisation, Market Trends
---
### [Objectway ranks first in the IBS Global Sales League Table 2019](https://objectway.com/objectway-ranks-first-in-the-ibs-global-sales-league-table-2019/)
**Published:** May 30, 2019
**Author:** leo aloi
**Excerpt:** Objectway has ranked first in the IBS Global Sales League Table 2019 in the Private Banking Systems category with eXimius Wealth Management Platform.
**Content:**
# Objectway ranks first in the IBS Global Sales League Table 2019
30 May 2019 – The annual sales of eXimius Wealth Management Platform bring Objectway to the leading position in the Private Banking Systems category.
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Objectway, a leader in the Digital Wealth, Investment & Asset Management sector, has ranked first in the IBS Global Sales League Table 2019 in the Private Banking Systems category with eXimius Wealth Management Platform. The annual ranking, based upon the analysis of over 1109 banking systems purchases made by over 960 financial institutions across 112 countries, is acknowledged as the global barometer for the industry trends.
eXimius Wealth Management Platform is the front-to-back investment, wealth and relationship management workflow application to maximise investment performance and increase client satisfaction. The platform brings benefits accross the whole financial institution’s organisation. The company’s investment strategies are reflected into the business processes, in accordance with regulation, and the best product and assets can be selected.
Relationship Managers are equipped with a 360° view of client data, investments, assets and activities to become more effective in their day-to-day tasks.
Portfolio Managers can deliver consistent professional advice through a holistic closed-loop portfolio management process and investment strategy execution, increasing profitability. The Back-Office and Operations functions also maximise productivity via seamless administration processes that reduce operational risk and ensure compliance.
This acknowledgement reflects the effectiveness of our platform. The clients who have implemented eXimius rely on a front-to-back STP application that optimises operational efficiency and accommodates investors, regulation and business growth thanks to a client-centric system.
[](https://www.objectway.com/)### Luigi Marciano
CEO & Founder, Objectway
I congratulate Objectway on their leadership position in the Private Banking Systems category and also their recognition in the Investment and Fund Management Systems category. The Private Banking Systems category was particularly competitive with a higher number of participants and deal volume compared to last year’s Sales League Table.
[](https://ibsintelligence.com/)### Sahil Anand
Director, IBS Intelligence
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4 September 2026
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**Categories:** Awards
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---
### [Objectway wins XCelent Depth of Service award in Celent report](https://objectway.com/objectway-wins-xcelent-depth-of-service-award-in-celent-report/)
**Published:** June 8, 2020
**Author:** leo aloi
**Excerpt:** Objectway won an Xcelent award in Celent's report which examined eight major vendors offering digital onboarding capabilities in Europe and North America
**Content:**
# Objectway wins XCelent Depth of Service award in Celent report
8 June 2020 – Objectway won the XCelent award for the leading Depth of Service score in Celent report “Wealth Management Client Onboarding Platforms”.
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Objectway, a leader in the software and services for the Digital Wealth & Investment Management sector, won the XCelent award for the leading Depth of Service score in Celent report “Wealth Management Client Onboarding Platforms”. A comprehensive front-to-back Client Lifecycle Management solution for prospecting and onboarding clients.
This report examined eight major vendors offering digital onboarding capabilities in Europe and North America, focusing on trends, technology and functionalities, and client preferences.
According to the renowned research and consulting firm, Objectway “stood out in several key areas, most notably the **staff’s vast experience**, **SLA features**, and **client satisfaction with the implementation process**.”
Celent also recognised that Objectway Client Engage and Conectus Onboarding provide “a **comprehensive front-to-back Client Lifecycle Management offering** allowing clients to **identify prospects** as well as **onboard**, with a **user-friendly UI**.”
Further elements noted in the report were Objectway’s interactive collaboration model, whereby the solution is easy to use and integrate as it offers customization capabilities that can be configured with low code changes, compared to those offered by other vendors evaluated by Celent. Its robust AML capabilities, since uniquely stringent EU Compliance rules, give the firm a content advantage over vendors focused in other areas of the world.
**Luigi Marciano**, **Objectway’s CEO and founder**, commented “We are glad and proud of this award recognition from Celent. As one of the first parts of the client interaction lifecycle, an effective onboarding workflow is critical to starting the client relationship on a strong footing. This acknowledgment testifies how we successfully help wealth managers achieve their digital client onboarding and engagement strategy to enhance their whole client lifecycle management.”
The Depth of Service award is particularly relevant as it derives from the high evaluation received in aspects related to clients concrete experience with the implementation of Objectway’s Client Lifecycle Management and Onboarding solutions.
[](https://www.celent.com/)### Awaad Aamir
Co-Author and Analyst, Celent
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4 September 2026
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**Categories:** Awards
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---
### [Have your say in determining the winner of the Systems in the City FinTech Awards](https://objectway.com/have-your-say-in-determining-the-winner-of-the-systems-in-the-city-fintech-awards/)
**Published:** September 2, 2020
**Author:** Alessandro Rocco
**Excerpt:** Vote for Objectway at the Systems in the City FinTech Awards
**Content:**
# Have your say in determining the winner of the Systems in the City FinTech Awards
2 September 2020
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**HAVE YOUR SAY IN DETERMINING THE WINNER OF THE “SYSTEMS IN THE CITY FINTECH AWARDS”**
Fill in all the required fields. In particular:
- Which company are you providing a reference? **write “Objectway”**
- What data, service or system is the main point of your reference? **write “Wealth Management”**
- Assign us a rating in each of the aspects listed, where applicable
**Voting will end on 4th September**: don’t miss the chance to contribute to determine the winner of the Systems in the City FinTech Awards!
Click on the voting page and encourage your peers to vote for Objectway, as well!
[Vote Here](https://www.goodacreuk.com/sitc/systems-in-the-city-customer-references)
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---
### [Objectway included in the annual WealthTech100](https://objectway.com/objectway-in-wealthtech100/)
**Published:** April 21, 2022
**Author:** Lorenzo Noventa
**Excerpt:** The list includes the most innovative wealthtech providers addressing the digital transformation challenges faced by private banks, wealth and investment firms.
**Content:**
# Objectway included in the annual WealthTech100
21 April 2022 – Objectway has been included in the list of tech companies transforming wealth and investment management and private banking.
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Objectway, a global wealth, banking & asset management software provider, has been included in the annual WealthTech100 list for the fourth consecutive year.
The prestigious list, announced yesterday by specialist research firm FinTech Global, recognises the **world’s most innovative technology solution providers** addressing the digital transformation challenges and opportunities faced by investment firms, private banks and financial advisors.
The WealthTech sector has experienced huge growth in recent years as the surge in online usage and customer demand for best-practice digital experience have accelerated innovation. The global WealthTech market is projected to reach $11.9bn by 2030, according to FinTech Global.
The process to identify the 100 WealthTech innovation leaders was more competitive than ever this year and over 1,200 companies were considered for inclusion. A panel of analysts and industry experts voted for the 100 finalists by assessing the impact those companies are making by using technology to solve a significant industry problem, or to generate efficiency improvements across the investment value chain.
The full WealthTech 100 list can be found at **https://fintech.global/wealthtech100/**
We are proud of this fourth consecutive inclusion in the WealthTech 100, as it fosters our strategy to offer digital end-to-end solutions for Banks, Wealth & Asset Managers, by supporting our clients in their successful business transformation programs, powering up digital customer engagement, front-office productivity and back-office operational efficiency.
[](https://www.objectway.com/)### Luigi Marciano
CEO & Founder, Objectway
The rise of digital distribution channels and online financial products has opened new client segments for investment firms and financial advisors. Businesses that fail to keep up with the latest technologies and innovation will be less competitive and lose market share over time. The WealthTech100 list helps senior decision-makers filter through all the vendors in the market by highlighting the leading companies in areas such as client acquisition, financial planning, portfolio management and digital brokerage.
[](https://member.fintech.global/)### Richard Sachar
Director, FinTech Global
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4 September 2026
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**Categories:** Awards
**Tags:** GLO
---
### [IBS Intelligence awards Objectway #1 for Private Banking and Wealth Management deals](https://objectway.com/ibs-intelligence-awards-objectway-1-for-private-banking-and-wealth-management-deals/)
**Published:** July 4, 2022
**Author:** Lorenzo Noventa
**Excerpt:** Objectway has been recognised as the market’s leading firm for Private Banking and Wealth Management deals in the IBS Intelligence Sales League Table (SLT).
**Content:**
# IBS Intelligence awards Objectway #1 for Private Banking and Wealth Management deals
4 July 2022 – Objectway has been recognised as the market’s leading firm for Private Banking and Wealth Management deals in the IBS Intelligence Sales League Table (SLT).
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Objectway, a global wealth, banking & asset management software provider, has been recognised as the market’s leading firm for Private Banking and Wealth Management deals in the IBS Intelligence Sales League Table (SLT). Objectway also got a very favorable place in the SLT Leaderboard for Private Banking & Wealth Management, a reflection of the company’s offering performance and scalability on a global scale.
With a 20-year track record, the **IBS Intelligence Annual Sales League Table (SLT)** is the industry-acknowledged barometer of global banking technology vendor performance. This year, IBSi SLT assessed systems purchases made by over 1000+ banks across 250+ products from 60 suppliers.
According to the analysis of IBS Intelligence, the past couple of years have seen banks and financial institutions pursuing digital acceleration at a speed never witnessed before. While the world faces economic disruption and geopolitical instabilities, financial institutions reached **record levels of investment** in 2021 in developing digital solutions to modernise their customer experience and user interfaces.
Dynamic digital acceleration is key to success in financial services. Technology is critical in enabling bankers and wealth managers to accomplish their main business objectives of achieving scale, improving front office efficiency and attracting new clients. Moving forward, replacing and updating their systems is high on firms’ digital agendas as they plan to build a business model capable of servicing future growth targets.
[](https://www.objectway.com/)### Luigi Marciano
CEO & Founder, Objectway
We congratulate **Objectway** for its achievement in the IBS Sales League Table 2022, ranking top in Private Banking & Wealth Management technology. This achievement reflects the quality of more than 3 decades of outperformance by Objectway and of the firm’s integrated banking and wealth management ecosystem solutions.
[](https://ibsintelligence.com/)### Robin Amlôt
Managing Editor, IBS Intelligence
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4 September 2026
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**Categories:** Awards
**Tags:** GLO
---
### [Objectway Suite named Best Wealth Management Solution](https://objectway.com/objectway-suite-named-best-wealth-management-solution/)
**Published:** July 7, 2022
**Author:** Lorenzo Noventa
**Excerpt:** Objectway achieved its fourth in a row “Best Wealth Management Solution” award by Goodacre, the UK leading specialist consultancy for the securities industry.
**Content:**
# Objectway Suite named Best Wealth Management Solution
7 July 2022 – Objectway achieved its ninth consecutive awards recognition as “Best Wealth Management Solution” by Goodacre.
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Objectway, a global wealth, banking & asset management software provider, achieved its ninth consecutive awards recognition – the fourth in a row as “Best Wealth Management Solution” – by Goodacre, the UK leading specialist consultancy for the securities industry.
The long-established Goodacre Systems in the City Fintech Awards are the leading endorsement for suppliers of services and systems to the regulated financial services sector. Based on an independent and factual annual accreditation process, they are an important point of reference for user firms assessing the suitability of their operational infrastructure.
We thank all the clients and the market experts who voted for us for their longtime and continued appreciation and trust in our Objectway Suite. This unceased leadership is a concrete result of the strenght of our comprehensive and deep competence and support for the sector.
[](https://www.objectway.com/)### Alberto Cuccu
CEO International, Objectway
The digital transformation has encouraged more Fintech providers to come to the market and the pressure on these firms to provide further innovation intensifies year on year. The Award for Best Wealth Management Solution is therefore commendable as Objectway continues to provide systems and support to many regulated investment companies. These firms rely on them to meet the demands of their businesses and keep pace with the ever changing legislative and regulatory obligations.
[](https://www.goodacreuk.com/)### Stephen Pinner
MD, Goodacre
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4 September 2026
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**Categories:** Awards
**Tags:** #wealth-management, GLO, wealthtech suite
---
### [Gaining an edge through ESG investing: Are wealth managers ready?](https://objectway.com/gaining-an-edge-through-esg-investing-are-wealth-managers-ready/)
**Published:** July 13, 2021
**Author:** Lorenzo Noventa
**Excerpt:** The forum discussion centred on the state of ESG readiness in Wealth Management, as well as the key business objectives to consider when forming an ESG strategy, the evolution of client expectations around ESG, and how the ESG regulatory journey will look like.
**Content:**
# Gaining an edge through ESG investing: Are wealth managers ready?
13 July 2021 – ESG investing has accelerated over the Covid-19 pandemic. While the attention to sustainable investments has been around for many years, it has now come to the surface for a wider audience.
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The European Green Deal and climate change awareness are both factors that created a new perspective on investing, where ESG is either added as an additional risk metric or is used to be compliant with the client’s sustainability preferences. Due to these reasons, it is evident that ESG investing will accelerate as investors continue to reallocate assets with ESG objectives in mind.
The inaugural meeting of The Senior Leaders ESG Forum hosted last month by Objectway, a specialist in digital Wealth & Asset Management software, and chaired by the benchmarking and research firm Compeer, brought together a group of leading Wealth Management firms to discuss the opportunities and challenges associated with ESG investing.
The forum discussion centred on the state of ESG readiness in Wealth Management, as well as the key business objectives to consider when forming an ESG strategy, the evolution of client expectations around ESG, and how the ESG regulatory journey will look like.
A competitive differentiator for wealth managers
2020 was a game-changer for ESG. Compeer research on the theme showed that 80 per cent of clients requested some access to **ESG compliant investments** in their portfolio, while this figure rose to 94 per cent for under 40s.
Wealth Managers, indeed, have to consider ESG investing as a commercial opportunity. But to capitalise on it, significant commitment from the top management is required to embed the ESG strategy within the company and support it with the appropriate technology.
The survey report **[“Are you ready for ESG?”](https://objectway.com/insights/?lang=en&utm_source=WealthAdviser&utm_medium=article&utm_campaign=ESG)** published earlier this year by Objectway, reported that although **Wealth firms** expect some of the greatest areas of change to be around suitability, only a minority (39 per cent) have already implemented a **specific ESG policy**. The majority of the interviewees are not ready. With 22 per cent lacking a policy and 39 per cent developing it.
Although integrating ESG into a risk management framework across the client lifecycle is a challenge for investment firms, an integrated ESG-ready solution will **increase client engagement** and the delivery of operational efficiency. Indeed, nowadays clients want a rich digital investment experience and expect to be able to see tailored ESG reports on the go, with information such as individual ESG scores as well as their carbon footprint and what impact their portfolio has had on the environment.
ESG is consequently a real differentiator between firms. In this scenario, wealth mangers adopting ESG integration will have a **competitive advantage.**
The matter is no longer whether or not to take into account sustainability criteria in the investment process, but rather how to do it consistently and accurately.
Total portfolio approach discriminates leaders from laggards
This key challenge emerged both in Objectway’s survey and during the Senior Leaders Forum.
Some firms have adopted manual workarounds to capture ESG preferences for clients, managing the risks and rebalancing portfolios, but ideally they have to look for a digital solution to integrate with their current set up.
When asked if the investment process was supported by a **fully integrated platform**, only 7 per cent of the surveyed opinion leaders answered positively, while a remarkable **87 per cent** of them declared they do not have a **vertically integrated risk management solution**.
Alberto Cuccu, Objectway UK CEO, commented that in such a context it is therefore essential for wealth managers to rely their investment decisions on processes that take into account the risk propensity and characteristics of the end-client, respecting the sustainability criteria. To better handle the sustainability matter, it is necessary to establish proper management **guidelines of ESG components** within an investment process.
The entire investment process must be based on an approach that considers the portfolio holistically. Therefore, the decisions relating to its construction, optimisation and implementation must be taken by giving due attention to the effects generated by the various sources of risk, both systematic and specific, and including sources related to sustainability aspects.
Such a process requires an **end-to-end ESG & risk aware investment system** . A solution where the ex-ante analysis of risk and sustainability are tested and validated by ex-post monitoring, resulting in stronger returns and higher quality of investments, relied on processes that take into account risk tolerance and the characteristics of the end customer, complying with the sustainability criteria.
An overarching need for common standards and data quality
While client demand is bringing attention to ESG (6 out of 10 firms affirmed that **clients demand is the main motivation** for them to integrate ESG into their investment process), ultimately, regulation will drive and shape their ESG offering.
All eyes are on the **FCA** to see whether they will follow in the footsteps of the EU or carve a different regulatory path. Recent changes to MiFID II and SFDR have not made it clear what is expected from wealth managers and advisers in the UK.
Lastly, the implementation of reliable, traceable and robust data is essential to establish the proper management of ESG components within an investment process. This requires elaboration through a **data quality system** . Data providers have had their own ESG methods and frameworks in place for several years and the quality of the scores is increasing. However, due to the lack of global standards from regulators, the ESG landscape for data providers is fragmented with every provider using their own methods.
Different industries face different levels of ESG risk, and therefore divergence can be very significant. In addition, the level of granularity on ESG varies per provider.
Due to the above factors, a careful selection process of the data providers is advised.
It can also be tricky to standardise ESG metrics across all high or low risk services, and even harder to explain this to clients. When looking to display data in a positive light, the risk of greenwashing is always present.
**Getting to grips with the data is a fundamental step**. Finding a way to decompose the information into a readable format will ensure it does not loose its value and clients can see the impact of their portfolio.
The research paper collecting all the insights emerged during the inaugural **Senior Leaders ESG Forum** and the full survey report **“Are you ready for ESG?”** released by Objectway are both **[available for download here](https://objectway.com/insights/?lang=en).**
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4 September 2026
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**Categories:** Article
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---
### [Objectway Acquisisce Die Software Peter Fitzon Gmbh](https://objectway.com/objectway-acquisisce-die-software-peter-fitzon-gmbh/)
**Published:** August 11, 2021
**Author:** Lorenzo Noventa
**Excerpt:** Objectway, top 100 fintech leader nel Digital Wealth e Asset Management software, ha acquisito Die Software Peter Fitzon GmbH, azienda tedesca leader nelle soluzioni di Core Banking.
**Content:**
# Objectway Acquisisce Die Software Peter Fitzon Gmbh
11 August 2021 – Objectway, top 100 fintech leader nel Digital Wealth e Asset Management software, ha acquisito Die Software Peter Fitzon GmbH, azienda tedesca leader nelle soluzioni di Core Banking.
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Objectway, top 100 fintech leader nel Digital Wealth e Asset Management software, ha acquisito Die Software Peter Fitzon GmbH, azienda tedesca leader nelle soluzioni di Core Banking.
Con l’operazione, Objectway arriva a consolidare oltre 100 milioni di euro di ricavi annui, rafforzando e integrando l’offerta di software per il Wealth e Asset Management con una piattaforma di Core Banking solida e completa. La nuova offerta supporta la trasformazione digitale di banche private, banche retail, wealth e asset manager, promuovendo ulteriormente l’espansione del Gruppo in EMEA e a livello globale.
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4 September 2026
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---
### [How to become a leading, digitally-enabled Wealth Manager](https://objectway.com/how-to-become-a-leading-digitally-enabled-wealth-manager/)
**Published:** October 27, 2021
**Author:** Lorenzo Noventa
**Excerpt:** Generating value through a high-touch, digitally integrated investment experience is key for wealth management to generate digital alpha in a changeable market.
**Content:**
# How to become a leading, digitally-enabled Wealth Manager
27 October 2021 – Client demands and the way to deliver financial advisory and services have radically changed during the pandemic, embracing digital technology. These changes are now persisting, to become a new standard in the wealth management sector.
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Client demands and the way to deliver financial advisory and services have radically changed during the pandemic, embracing digital technology. These changes are now persisting, to become a new standard in the wealth management sector.
But digital change, in itself, is not a kind of magic bullet for a ready-made solution. However, as Objectway discussed recently with industry CEOs, it is **the most effective enabler** of wealth managers’ business objectives of achieving growth and operational scale in a tailored way.
Indeed, 3 out of 4 clients believe that improved digital engagement will make them want to see their wealth manager even more. Clients’ digital experience is now a real differentiator between firms: a personalised experience is seen as a reason to stay with or choose another firm. As a result, firms must ensure that their digital channels are fit for purpose when it comes to delivering a great overall client experience.
Achieving Hyper-personalisation
Wealth managers are at various state of progress in developing their own hyper-personalised strategies. Most firms would like to be able to offer personalised portfolio construction based on client preferences, and 4 out of 10 firms are currently implementing this. Some firms are using personas to target prospects and also make suggestions about products and other services to existing clients. The take up for this is very encouraging and firms have seen a significant improvement in client satisfaction as a result. Personalised reports, portfolios, and investments aligned with values are a main priority for clients, and firms realise that this is **where digital change can really add value.**
Achieving Operational Scale
So, what is preventing wealth managers from delivering personalisation?
One of the major hurdles is the state of data in wealth firms. This is often wide spread in multiple legacy systems and manually inputted, leading to duplication and errors. Firms are aware and realise the importance of addressing this as they look to change or upgrade their systems.
The vast majority of firms in the industry are not scalable and haven’t been for many years. One of the main reasons for this is inefficient IT and Operations. IT costs as a percentage of total revenue vary significantly across the industry. The median is close to 10%, however the peak is over 30%. Currently, there is a negative correlation between IT spend and profitability in the market. Firms appreciate that changing and simplifying their IT estate will be a major challenge.
The value of an incremental approach
While large bank-owned Wealth Managers have found greater success leveraging upgrades in managing their data, IT and Operations more effectively, smaller independent firms have had more budget constraints in adopting new technology and infrastructure. They don’t have the capacity or time to think of other – potentially more efficient – solutions. In addition, the risk of wholesale change to business operations is a major concern and many firms are looking to make **incremental changes** by adding the best bits of technology together in a **modular approach**. Outcomes from some of Objectway’s clients has shown this to be a successful approach.
Furthermore, many firms aren’t aware of the capabilities that technology will allow. For example, it is possible to construct portfolios based on client preferences and rebalance them in real time. The technology to do this is already tried and trusted, it just needs to be adopted.
There is a shift in the market to consider flexible modular architecture as opposed to a one size fits all approach. Overall, there is a massive opportunity in the sector to improve efficiency and scalability through digital change.
Indeed, Objectway discussed examples in the industry of firms who have successfully managed to grow at scale.
**[Download now the full case study!](https://objectway.com/download-case-study-how-to-become-a-leading-digitally-enabled-wealth-manager/)**
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[All](#)[\#compeer](#)[\#customerexperience](#)[\#financialservices](#)[\#markettrends](#)
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4 September 2026
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---
### [Do you have the right approach to building a risk-aware investment process?](https://objectway.com/do-you-have-the-right-approach-to-building-risk-aware-investment-process/)
**Published:** November 29, 2021
**Author:** Lorenzo Noventa
**Excerpt:** The right approach to building a risk-aware investment process: align, differentiate, and activate authentic alpha generation capabilities through better alignment between ex-ante decisions and ex-post performance.
**Content:**
# Do you have the right approach to build a risk-aware investment process?
29 November 2021 – A total portfolio approach, where the ex-ante analysis of risk and sustainability are tested and validated by ex-post monitoring, requires both a strong focus on the quality of risk analytics and, more importantly, the ability to have an integrated portfolio and risk management solution supporting a risk-aware investment process.
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The ability to align, differentiate, and activate authentic alpha generation capabilities through better alignment between ex-ante decisions and ex-post performance is critical, but there is a broad gamut of enhanced capabilities which investment firms can pursue.
A total portfolio approach, where the ex-ante analysis of risk and sustainability are tested and validated by ex-post monitoring, requires both a strong focus on the quality of risk analytics and, more importantly, the ability to have an integrated portfolio and risk management solution supporting a risk-aware investment process.
This requires a robust and fully integrated process, supported by a proven approach to risk mitigation and, at the same time, able to provide clear and transparent reporting to clients on investment strategies and port¬folio management decisions.
Portfolio and risk managers usually face challenges of disparate information systems, which create operational limitations that directly influence the returns they could generate. Organisations that proactively manage risk are more risk-aware and be¬tter at tailoring risk to get a higher return on their portfolios.
Finding a real integrated solution for Risk Management
But how to recognise a true End-to-End Risk-Aware Investment Management solution?
First, by a Risk Data Quality service able to take the Risk & ESG factors as input, and then perform a daily validation and revision of risk data to ensure that all calculated analytics are robust and reliable, managing exceptions and taking corrective actions.
Then, you need a Risk Engine that calculates risk analytics ensuring a comprehensive approach to identify the correct level of risk, together with specific client characteristics such as time horizon, cash flow and objectives.
Finally, with a Portfolio Management tool for asset allocation to build optimised, sustainable and suitable port¬folios on risk factors, asset classes and securities selection, in line with risk profiles and target markets.
Selecting a functionally-rich risk engine
When selecting a risk engine, a performing solution should include a wide set of metrics. Users should be able to define their own risk criteria according to their business model calculated on single assets, asset classes or the entire portfolio, providing information on potential losses, correlation among securities and dispersion measures, related to different risk categories, such as market, credit and liquidity risks.
The calculation engine should provide ex-ante risk measures to analyse portfolio risks for customer relationship managers, portfolio and risk managers, for them to monitor single positions or portfolios as a whole, to simulate the potential impact of different investment decisions and support portfolio risk calculations from a regulatory perspective.
Five pillars for a risk-aware, integrated investment process
When evaluating a solution to provide a solid approach to risk and portfolio management decisions, these are the fundamental characteristics to tick:
- It guarantees the data quality 24/7, ensuring that the resulting analytics are robust, reliable, validated and harmonised.
- Performs a risk contribution and correlation analysis, to monitor the contribution of each portfolio linked to the overall risk.
- Ensures that investment proposals are personalised and tested against compliance rules and clients’ constraints.
- Aligns end-to-end processes between trading/investment, risk and product control.
- Manages exceptions and takes corrective actions.
## Related
[All](#)[\#compeer](#)[\#customerexperience](#)[\#financialservices](#)[\#markettrends](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
[Studie: Veraltete Technologie bremst Wachstum bei Instituten](https://objectway.com/studie-veraltete-technologie-bremst-wachstum-bei-instituten/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Studie: Veraltete Technologie bremst Wachstum bei Instituten
4 September 2026
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**Categories:** Article
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---
### [CEOs' perspectives on threats, opportunities, and technology in Wealth Management](https://objectway.com/pam-ceo-dinner-perspectives-on-threats-opportunity-technology-in-wealth-management/)
**Published:** July 11, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Technology offers opportunities for cost reduction, compliance, centralized investment management, and personalized investment strategies
**Content:**
[  ](/market-trends/)
###### July 11, 2023
# CEOs’ perspectives on threats, opportunities, and technology in Wealth Management
[Roger Portnoy](https://www.linkedin.com/in/roger-portnoy-a16b67/)
CHIEF STRATEGY OFFICER AT OBJECTWAY
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
DIRECTOR OF CLIENT SERVICES AT OBJECTWAY
Reading time: 3 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#OfferingEvolution](/offering-evolution/)[\#Onboarding](/onboarding/)[\#ClientCommunication](/clientcommunication/)[\#Portfoliooptimisation](https://www.objectway.com/portfolio-optimisation/)
CEOs need to be mindful of both threats and opportunities to their franchise, as well as to the wider ways that business is conducted with their clients. At the recent PAM CEO dinner organized by PAM and hosted by Objectway, both were shared by leading CEOs of private banks, discretionary investment firms, private client divisions of universal banks, and wealth management firms.
Pronounced Threat
It used to be that London was a very strong magnet for high-net-worth individuals and their assets, but macro factors in recent years have seen more millionaires emigrating than ever before. CEOs are worried that the emergence of the “wrong” political climate will further exacerbate the challenges presented by a less welcoming tax regime, deteriorating infrastructure, and inconsistent services. The consensus is that the UAE and Singapore are continuing to gain the attention of the wealthy and super wealthy, and that the pull is extending to include personnel, infrastructure, and technology for these organizations in these locations. Regulators seem to be showing both more flexibility and nimbleness to attract and keep these flows, leaving private bankers uneasy about London’s and the UK’s future.
Threat and Opportunity
Wealth Managers have not seen their clients’ abandoning relationships in favour of low self-service propositions. However, firms do recognize that intergenerational wealth movements are going to necessitate a far better integration of digital services with human relationships, with AI, more than likely to play a significant role in relation to providing guidance and education for gen z inheritors. This might lead to different types of economics taking shape across the household of wealth holders, although the ultimate impact this will have on profitability isn’t yet clear to leadership. The biggest concern is that very low-cost passive asset management firms will find a pathway into the private client world through ETFs.
Technology as an Opportunity
Compared to other industries, Wealth Managers haven’t traditionally taken the lead when it comes to pushing technology into the business, especially into the front office, but regulation such as consumer duty is necessitating both more visibility to policy, as well as more consistency in client engagement. The CEOs at our roundtable all agreed that technology to monitor, amend, and coordinate business processes is an ever more valuable tool to keep compliance costs down, while still allowing the business to serve the personal objectives of their client base. CEOs also recognize that implementing the right technology approach to [investment solution design](/achieve-democratisation-through-personalized-investment-advisory-proposal/) can enable firms to centralize their investment management processes, while at the same time, allowing clients access to alternative and structured products that are suitable and fulfil specific tax and performance objectives. Finally, while wealth management does not have the scale in client data to immediately derive value through AI, there was a strong belief that more relationship managers would soon be supported by solutions to deliver next best action across a broader client base and enable much more timely execution of optimal investment strategies.
Our dinner once again highlighted that challenging market conditions don’t inhibit leadership from seeking to develop innovative solutions to serve their clients, and that organizations remain proactive in their efforts to capture and engage with clients regardless of the centre in which they feel most comfortable and welcome to operate.
**RELATED POST**
Market Trends
### Challenges & Trends in Wealth Management in 2023 and Beyond
[](/challenges-and-trends-in-wealth-management-in-2023-latest-from-ceo-pam-dinner/)
Innovation
### Journey towards Value-Led Innovation in Wealth Management: Insights from the Banking Scene Event
[](/achieving-value-led-innovation-in-wealth-management-the-banking-scene-brussels/)
Podcast OWIN23
### New outlooks for reinventing your business and improving client relationship
[](/new-outlooks-to-reinvent-your-business-and-improve-client-relationship-the-innovation-diamond-framework/)
**Categories:** #ClientCommunication, #Offeringevolution, #Onboarding, #PortfolioOptimisation, Market Trends
---
### [Battere l'incertezza e tutelare il patrimonio](https://objectway.com/battere-lincertezza-e-tutelare-il-patrimonio/)
**Published:** July 7, 2022
**Author:** Lorenzo Noventa
**Excerpt:** E' possibile democratizzare l'accesso all'offerta wealth fornendo alla clientela affluent consulenza finanziaria personalizzata tramite una piattaforma evoluta
**Content:**
# Battere l’incertezza e tutelare il patrimonio
7 July 2022 – E’ possibile democratizzare l’accesso all’offerta wealth, tradizionalmente dedicati ai clienti più facoltosi, fornendo alla clientela affluent consulenza finanziaria personalizzata tramite una piattaforma investimenti evoluta.
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Trasformazione digitale per i clienti affluent.
E’ possibile democratizzare l’accesso all’offerta wealth, tradizionalmente dedicati ai clienti più facoltosi, fornendo alla clientela affluent consulenza finanziaria personalizzata tramite una piattaforma investimenti evoluta: la partnership tra Objectway e la banca portoghere Novobanco è un esempio concreto delle opportunità offerte dalla trasformazione digitale.
Ne parla **Michele Tanzi, Market Solution Director di Objectway** su [Patrimoni. ](https://www.milanofinanza.it/edicola/magazine)
Il case study dettagliato del progetto è [SCARICABILE QUI](https://objectway.com/download-case-study-leveraging-centralized-cloud-mifid-ii-advisory/).
## Related
[All](#)[\#compeer](#)[\#customerexperience](#)[\#financialservices](#)[\#markettrends](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
[Studie: Veraltete Technologie bremst Wachstum bei Instituten](https://objectway.com/studie-veraltete-technologie-bremst-wachstum-bei-instituten/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Studie: Veraltete Technologie bremst Wachstum bei Instituten
4 September 2026
## Sign Up for our Newsletter
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**Categories:** Article
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---
### [Outsourcing: Investire in qualità per garantire l’efficienza](https://objectway.com/wealth-management-e-outsourcing-efficienza-e-vantaggi-del-bpo/)
**Published:** November 15, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Anche il wealth management ricorre all’outsourcing di attività e servizi: ottimizzazione dei costi, efficienza e maggiore qualità, questi i vantaggi del BPO.
**Content:**
# Outsourcing: Investire in qualità per garantire l’efficienza
15th November 2022 – Anche il wealth management ricorre sempre di più all’outsourcing di attività e servizi: ottimizzazione dei costi, efficienza e maggiore qualità, questi i vantaggi del BPO, a patto di scegliere il partner giusto. Ne parla Adriana Sini, BPO Service Operation Director di Objectway intervistata da WeWealth
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Il business process outsourcing acquista sempre più rilevanza nel wealth management.
Quasi tre gestori su quattro prevedono infatti di aumentare il numero di operatività non core che intendono affidare a partner esterni (c.d. outsourcer) entro il 2023. A riportarlo è il report **The Future of Investment Operations 2021 realizzato da Funds Europe**. Allo stesso tempo, quasi uno su due è convinto che sebbene le attività di gestione del portafoglio, consulenza al cliente e altri servizi a esso dedicati rimarranno in-house, tutte le funzioni non core di front e back office saranno esternalizzati a partner esterni entro il 2030, con l’obiettivo di rendere i processi più efficienti. Ma l’efficienza si misura solo con il contenimento dei costi? Ne parla con WeWealth Adriana Sini, BPO Service Operation Director di Objectway, tra i principali fornitori di servizi per wealth, banking e asset management a livello mondiale.
Declinare i risultati attesi
L’obiettivo di diminuire sensibilmente i costi correlati all’efficienza dei processi è certamente uno dei mantra di wealth e asset manager. La riduzione dei costi è un possibile risultato, ma l’obiettivo principale dovrebbe focalizzarsi sulla qualità dell’esito finale, che può essere tanto più elevata quanto più il **processo è efficiente**.
Pertanto, il primo elemento da considerare all’atto del lancio di un progetto correlato all’aumento di efficienza è la declinazione dei risultati attesi.
Studiare la fattibilità del progetto
Partendo da queste considerazioni, si dovrebbe iniziare dallo studio di fattibilità per valutare:
- gli **investimenti necessari e i risultati attesi** a fronte del budget disponibile;
- i processi interessati e i **rischi correlati** alle modifiche da apportare;
- la **qualità finale di un processo efficiente** ed il suo valore aggiunto.
Il risultato di tale fase è tanto più accurato e attendibile quanto più l’analisi è approfondita e prende in esame, a parte il flusso standard di processo, quante più eccezioni possibile, correlandole alla loro numerosità ed al rischio operativo di non gestirle correttamente.
Troppo spesso, all’atto della presentazione dei risultati dello studio iniziale, l’attenzione di chi deve approvare il progetto è focalizzata sui **risparmi economici** conseguibili a breve termine. La qualità, la puntualità, la precisione, la riduzione dei rischi operativi sono messi in secondo piano rispetto al fattore costi.
“È naturale che i costi vengano parametrizzati al risultato, ma è necessario un cambio di mentalità per valutare di raggiungere una qualità più elevata anche a fronte di una parità dei costi di processo”.
Come scegliere il giusto partner
Per ogni impresa, la scelta di avviare o meno l’outsourcing di alcuni processi deve essere presa anche tenendo conto del fornitore a cui ci si rivolge. “Un partner che offre servizi integrati di piattaforme applicative all’avanguardia e servizi di **Business Process Outsourcing** ha nel proprio DNA la massima efficienza in termini di qualità dei servizi offerti, con attenzione ai costi, ma investendo sempre in soluzioni innovative e all’avanguardia,” aggiunge Sini. Scegliere un provider di Bpo affidabile, flessibile e proattivo risulta una premessa fondamentale, prioritaria rispetto alle valutazioni sui costi del servizio. D’altronde, l’efficienza derivante dall’outsourcing non deve essere misurata sulla base del mero risparmio di costo: “L’elemento chiave per il successo di un progetto di efficienza è la scelta del partner di riferimento, che deve rappresentare un vero e proprio centro di eccellenza, in cui operino professionisti specializzati in robotizzazione e AI, in stretta collaborazione con esperti di processo”.
Considerare l’efficienza come investimento in qualità non è così scontato e rappresenta un cambiamento di prospettiva rilevante per un’istituzione finanziaria. È quindi la qualità dell’output, ed il suo valore aggiunto, l’obiettivo a cui puntare.
[](https://www.linkedin.com/in/adriana-sini/)### Adriana Sini
BPO Service Operation Director, Objectway
## Related
[All](#)[\#customerexperience](#)[\#financialservices](#)[\#markettrends](#)[\#outsourcing](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
[Studie: Veraltete Technologie bremst Wachstum bei Instituten](https://objectway.com/studie-veraltete-technologie-bremst-wachstum-bei-instituten/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Studie: Veraltete Technologie bremst Wachstum bei Instituten
4 September 2026
## Sign Up for our Newsletter
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**Categories:** Article
**Tags:** #bpo, #efficienza, #outsourcing
---
### [Objectway: Banche e gestori? Un "delivery hub" per il cliente private](https://objectway.com/un-delivery-hub-per-il-cliente-private-la-soluzione-objectway/)
**Published:** December 12, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Gianbattista Geroldi, CEO Objectway Italia, racconta ad AziendaBanca come la tecnologia sia oggi fondamentale per supportare banker e clienti nell'analisi degli scenari e nella definizioni di nuovi obiettivi.
**Content:**
# Objectway: Banche e gestori? Un “delivery hub” per il cliente private
12 Dicembre 2022 – Gianbattista Geroldi, CEO Objectway Italia, racconta ad AziendaBanca come la tecnologia sia oggi fondamentale per supportare banker e clienti nell’analisi degli scenari e nella definizioni di nuovi obiettivi.
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Capacità di gestire velocemente i nuovi bisogni, flessibilità nell’analisi dei dati e scalabilità, per inserire facilmente nuovi parametri e seguire l’evoluzione della vita e dello stato patrimoniale del cliente. Sono queste le tre caratteristiche fondamentali per fornire ai banker una soluzione capace di soddisfare il cliente private in tutte le sue necessità.
Personalizzare e digitalizzare
A questi tre requisiti, si aggiunge poi la necessità di personalizzare i servizi e **digitalizzare le modalità di utilizzo**, oltre che le interazioni tra banker e cliente.
«Pensiamo alle soluzioni per gestire gli aspetti previdenziali e assicurativi, al tema del trasferimento della ricchezza alle generazioni successive o all’opportunità di investire la liquidità presente sui conti: in tutti questi ambiti – racconta Gianbattista Geroldi, CEO di Objectway Italia – **la tecnologia supporta il banker e i clienti** nell’analisi dei diversi scenari possibili, nella raccolta delle informazioni e nel definire gli obiettivi da raggiungere».
La trasformazione digitale
Banche e gestori patrimoniali devono quindi evolvere per coprire la sfera dei bisogni del **cliente private** e porsi al centro della sua vita finanziaria.
Come un delivery hub, chiarisce Geroldi, adottando un ecosistema aperto e **integrando soluzioni di partner tecnologici strategici** per creare un’infrastruttura modulare e componibile as-a-Service. La nostra piattaforma offre una **suite completa di funzionalità digitali**, integra le operazioni di front e back office in un’unica piattaforma, **disponibile su cloud e accessibili as-a-Service**. Evita inoltre gli investimenti iniziali in infrastrutture, mentre a lungo termine elimina la necessità di aggiornare costantemente la tecnologia legacy interna, **accelerando la trasformazione digitale e agevolando il passaggio da strategie di resilienza a obiettivi di performance**.
**[Clicca qui per saperne di più!](https://www.aziendabanca.it/notizie/tecno/delivery-hub-objectway)**
Il digitale è il canale preferito dalla clientela private e non solo dalle generazioni più giovani. Cresce quindi la domanda di soluzioni ibride con due caratteri distintivi: approccio mobile first e perfetta digitalizzazione dei servizi.
[](https://www.linkedin.com/in/gianbattista-geroldi-070a322a/)### Gianbattista Geroldi
CEO Objectway Italia
## Related
[All](#)[\#customerexperience](#)[\#digital-transformation](#)[\#financialservices](#)[\#markettrends](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
[Studie: Veraltete Technologie bremst Wachstum bei Instituten](https://objectway.com/studie-veraltete-technologie-bremst-wachstum-bei-instituten/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Studie: Veraltete Technologie bremst Wachstum bei Instituten
4 September 2026
## Sign Up for our Newsletter
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**Categories:** Article
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---
### [„Beim KI-Einsatz liegen die Vorteile auf der Hand“](https://objectway.com/beim-ki-einsatz-liegen-die-vorteile-auf-der-hand/)
**Published:** June 30, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Der Banken-Software-Anbieter Objectway aus Italien möchte im deutschsprachigen Markt stärker Fuß fassen. Karl im Brahm, als CEO für die DACH-Region zuständig, erklärt im Interview mit der Börsen Zeitung.
**Content:**
# „Beim KI-Einsatz liegen die Vorteile auf der Hand“
30\. Juni 2023 – Der Banken-Software-Anbieter Objectway aus Italien möchte im deutschsprachigen Markt stärker Fuß fassen. Karl im Brahm, als CEO für die DACH-Region zuständig, erläutert im Gespräch, welche Herausforderungen er für die hiesige Bankenlandschaft sieht und in welchen Markttrends er Chancen für Objectway erkennt.
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Die italienische Objectway-Gruppe zählt laut IDC Fintech Rankings zu den „Top 100 Global Fintech “-Anbietern in der Ban-ken-Software-Branche. Eigenen Angaben zufolge verwalten deren Kunden über 1 Bill. Euro an Vermögenswerten. Die An-wendungen werden demnach von mehr als 100.000 Finanzberatern, Privatban-kiers und Kundenbetreuern bei der Ver-waltung von über 700 Mrd. Euro AUM (Assets under Management) für über 5 Millionen Anleger genutzt.
Im Geschäftsjahr 2022 überstieg der Umsatz der Gruppe mit rund 800 Mitar-beitern 100 Mill. Euro. Zu den Kunden zählen mehr als 200 Banken, Vermögens-verwalter, Assetmanager und Wealth Manager sowie Versicherer in der gesamten EMEA-Region, darunter internationale Bankengruppen wie BNP Paribas, KBC, ABN Amro, UBS oder Rabobank. Object-way agiert in den einzelnen Ländern/Regionen über lokale Marken und ist in zehn Ländern aktiv. In Deutschland liegt der Fokus auf Privatbanken wie Hauck Aufhäuser Lampe, Bankhaus Metzler, ABN Amro Bethmann, Warburg Bank, Merck Finck, Baader Bank und Oddo BHF.
Ambitionierte Wachstumsziele
Doch obwohl seit drei Dekaden aktiv, ist das Unternehmen im deutschen Markt eher Fachleuten ein Begriff. Das soll sich ändern, denn Objectway hat ambitio-nierte Wachstumsziele, wie Karl im Brahm im Gespräch mit der Börsen-Zei-tung darlegt. Seit Februar 2022 ist er, zuvor Deutschland-CEO der Avaloq-Gruppe, Geschäftsführer bei Objectway für den deutschsprachigen Raum. Ein halbes Jahr zuvor war „Die Software Peter Fitzon GmbH“ übernommen worden, ein Unternehmen mit über 30 Jahren Erfahrung im Bereich klassische Kernbankenlösungen für Privatbanken.
Mit dieser Übernahme habe sich Objectway breiter aufgestellt, unterstreicht im Brahm, und könne **„front to back“alles abdecken**, was an Banken-Software erforderlich ist, von Kunden-Onboarding und Client Management bis zu E-Banking-Lösungen. Darüber hinaus offeriere Objectway Back-Office-Anwendungen für das Wealth und Assetmanagement, also auch für die Administration von Wertpa-piergeschäft. Und nicht zuletzt gehöre das klassische Corebanking zu den Dienstleistungen. In Deutschland gebe es elf Kunden, die die Kernbanken-Plattform nutzen, vornehm-lich im Privatbankensektor. Wie im Brahm ausführt, gehe es hierbei um ein klassi-sches „**Software as a Service“-Modell (SaaS) mit dem Ziel**, die Kunden auf den Wandel, also Technologiewechsel, vorzu-bereiten: „Dabei verfolgen wir strategisch eine Plattformstrategie, um auch bei unse-ren Kunden Economies of Scale zu gene-rieren.
Das geht nur über Plattformen, über Bündelung und über Standardisierung. Gleichzeitig wollen wir die Kompe-tenzen, die wir in den Märkten haben, also Economics of Scope, diese Bank-Fach-lichkeit, das Bankwissen und das IT-Ver-ständnis, aufrechterhalten, um gemeinsam mit den Kunden zu wachsen und auch mit ihnen in Auslandsmärkte zu gehen.“Im Brahm sieht derzeit viele herausfor-dernde Markttrends sowie veränderte Kundenbedürfnisse und nennt Stichworte wie Mobile First und Cross-Channel-An-gebote. „Das sind schöne Buzzwords, aber auch das muss man technologisch abbil-den können“, betont der Manager.
Denn es gebe eine „sehr ambitionierte “Wett-bewerbssituation im deutschen Markt. **Zudem sei die Regulierung nach der Finanzmarktkrise nicht weniger geworden**. Das könne aber auch gleichzeitig ein Trei-ber für Innovation sein: „Themen wie etwa der ganze Mifid-Prozess führen zu einer erhöhten Transparenz für den Kun-den, was ja ein Kundenbedürfnis ist. Das kann man natürlich über technologische Lösungen wunderbar abbilden.“Im Core-Banking-Umfeld sieht sich Objectway gut aufgestellt. **Ziel sei nun, den Bestandskunden weitere Lösungen aus einem Technologie-Stack heraus modular anzudienen**, um auch Ökosysteme anbieten zu können. Dabei sollen klassische Objectway-Produkte, die bis dato nicht in Deutschland offeriert wurden, auch hier platziert werden. Gleichzeitig solle der Wandel stärker vom klassischen Lizenz-geschäft zum SaaS-Modell gelingen. 10% Wachstum pro Jahr erachtet er als realistisches Ziel, weil der Markt in Bewegung sei. In Deutschland gebe es rund 1.700 Banken. Eine große Konsolidierungswelle stehe nach wie vor bevor, auch wenn diese schon seit Jahren stetig voranschreite. Während die Anzahl der Institute sinke, würden aber die Total Assets im Markt an-steigen. Im Brahm zufolge gibt es rund 9 Trill.
Euro Total Assets im deutschen Markt, der damit einer der größten Märkte in Europa sei. Angesichts dieses Markt-umfelds sehe er viel Potenzial. Hinzu käme, dass nach der Finanzmarktkrise die Regulatorik zu Recht stark im Fokus ge-standen hätte, **sodass über Jahre die IT-Budgets von Banken ausschließlich in re-gulatorische Projekte gewandert seien**. Doch jetzt erkenne im Brahm eine Ver-schiebung, denn Banken würden weniger in Regulatorik investieren, sondern auch zunehmend wieder in Marktlösungen. Zudem erkennt im Brahm Chancen in den zahlreichen Herausforderungen, vor denen die Kreditwirtschaft steht.
Immerhin gebe es auch die Bedrohung durch Neobanks, die mit sehr speziellen Geschäftsmodellen in den Markt gehen und ein Stück vom Kuchen abschneiden. **Kreditinstitute könnten eigentlich nur Marktanteile verteidi-gen, indem sie in Technologien investie-ren**. Im Vermögensgeschäft seien etwa 30% der High Net Worth Individuals wechselwillig. „Die werden in den nächs-ten zwei bis drei Jahren ihre Wealth Ma-nager wechseln“, ist sich im Brahm sicher.
**Als weitere Herausforderungen für Finanzdienstleister nennt im Brahm Cloud Computing, Open API und Open Banking, Blockchain, ESG oder künstliche Intelligenz**. Alleine beim Cloud Computing habe im Brahm in den letzten Jahren einen massiven Wandel hinsichtlich der Akzeptanz wahrgenommen. **Bei Cloud Services gehe es nicht nur um Kostenoptimierung, sondern vielmehr darum, schneller sowie besser Software entwickeln und ausrollen zu können**. In den meisten Häusern gebe es eine klare Cloud-SaaS-Strategie, und die Transformation sei bereits eingeleitet: „In zwei, drei Jahren reden wir hier über eine Selbstverständlichkeit, nicht mehr über einen Trend.
“Gleiches gilt für eine andere wichtige Entwicklung aus Sicht von im Brahm: Open Banking, also die Fähigkeit, Öko-systeme an die Legacy-Kernplattformen von Banken über Schnittstellen (APIs) an-zubinden. Auch das sei schon weit fort-geschritten in der Umsetzung. **Beim Thema Blockchain seien die Vor-teile erkannt, nun gehe es darum, Effizien-zen und Sicherheit bei Daten und Transaktionen zu verbessern sowie die Kosten zu senken**. Es gebe immer noch Berührungsängste bei den Banken, doch: „Alle unsere Kunden beschäftigen sich mit der Technologie und mit den Prozessen. Es gibt eine große Bereitschaft, sich damit auseinanderzusetzen. Viele Häuser haben Sonderprojekte aufgesetzt, Abteilungen gegründet. Unsere Kunden haben ‚Digital Assets‘durchgängig in ihren Prozessen abgebildet.“
Doch nach wie vor müsse man schauen, für welche Use Cases das gewinnbringend ist und wo nicht.Bei Künstlicher Intelligenz (KI) gibt sich im Brahm als Fan zu erkennen: „Beim KI-Einsatz liegen die Vorteile so was von auf der Hand“. **Gleichwohl sehe er auch die Risiken, etwa bei ChatGPT. Hier bräuchte es einen regulatorischen Rahmen**. Anwendungsfälle bei Banken gebe es indes viele, im Kundenservice über Chatbots, beim Risikomanagement, indem sich über Algorithmen Risiken im Bankwesen minimieren oder Betrugsfälle früher erkennen lassen. Kundenverhalten zu analysieren und personalisierte Ange-bote daraus zu generieren, sei ebenfalls eine Option. Und auch bei Kreditvergabe-prozessen lasse sich eine KI gut einsetzen, etwa bei der Kreditanträge-Automatisie-rung oder der Beschleunigung des Bewil-ligungsprozesses. **Darüber hinaus könne eine KI auch im Wealth oder Assetmanagement Portfolio-strukturen generieren und Anlageportfo-lios optimieren**. Damit würden sich im Brahm zufolge alle Häuser beschäftigen. **Objectway biete bereits KI-basierte Lösun-gen in einzelnen Services an**.
**Doch wie schnell Banken bereit sind, hier einen Technologiewechsel einzuleiten, sei auch ein kapazitäres Thema**. Da gehe es um den Kampf um Talente und darum, die richti-gen Skills und Mitarbeiter an den richti-gen Projekten und Stellen zu haben. Es sei eine ganz eigene Herausforderung, die neuen Technologien zu verstehen und nutzbringend einzusetzen.
EBIT-Marge von 25 bis 30 Prozent
Insgesamt sieht im Brahm Objectway gut positioniert, um zu wachsen und in dieses Wachstum zu investieren. Das liege auch an der Struktur des Unternehmens, bei dem der Gründer Luigi Marciano die meisten Anteile hält. Die Firma sei kerngesund, betont im Brahm mit Blick auf eine EBIT-Marge von 25 bis 30%. **In den nächsten Jahren werde die Gruppe sich mit Finanzierungsmöglichkeiten am Markt auseinandersetzen**. Über Wachs-tumsfinanzierung mache sich der Gründer zwar Gedanken, es sei aber noch nicht so weit, dass man konkrete Maßnahmen ein-leiten würde. Ziel sei nicht, Anteile zu ver-kaufen, um bloß Geld zu generieren. Viel-mehr müsse ein potenzieller Investor zum Geschäftsmodell passen.Gleichzeitig sei Objectway umgekehrt immer bereit, Zukäufe zu tätigen. Es gehe also nicht nur um organisches Wachstum. Wenn es gute Opportunitäten in den Märkten gebe, sei die Gruppe bereit, zu investieren und Zukäufe zu tätigen.
Da ist neben dem nach wie vor hohen regulato-rischen Druck zum einen das Thema Zins-politik zu nennen, also Margenverfall im klassischen Banking. Banken haben keine andere Wahl, als zunehmend in Zukunfts-technologien zu investieren, um Disrup-tion zu vermeiden.
[](https://www.linkedin.com/in/karl-im-brahm/)### Karl im Brahm
Objectway CEO DACH Region
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### [Blockchain e criptovalute, l'incertezza normativa frena lo sviluppo](https://objectway.com/blockchain-e-criptovalute-incertezza-normativa-frena-lo-sviluppo/)
**Published:** January 18, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Blockchain e criptovalute: trend in crescita, ma la normativa resta sulla difensiva. Paolo Cacciabue, Senior Business Development Manager Objectway ne parla con WeWealth.
**Content:**
# Blockchain e criptovalute, l’incertezza normativa frena lo sviluppo
18 Gennaio 2023 – Blockchain e criptovalute hanno fatto registrare negli ultimi decenni un trend sempre in crescita, ma la normativa resta sulla difensiva, per questo è necessario l’intervento del regolatore. Paolo Cacciabue, Senior Business Development Manager di Objectway ce ne parla in un’intervista con WeWealth.
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Nonostante il rallentamento del 2022 legato alla contrazione del mercato delle criptovalute, l’ascesa della blockchain e delle tecnologie da essa derivanti continua ad essere visto come uno dei principali megatrend di questo decennio.
Il violento dietrofront del Bitcoin, arrivato a perdere oltre due terzi del proprio valore rispetto ai picchi di novembre 2021, non tarpa le ali a un mondo più ampio legato alle applicazioni della blockchain. Il valore di mercato delle tecnologie blockchain a livello globale, infatti, si stima possa **superare i 1235 miliardi di dollari entro il 2030** con un CAGR (tasso annuo di crescita composto) del 82.8%, riporta Statista. Tuttavia, l’assenza di un impianto normativo chiaro e sicuro, evidentemente anche per la novità e particolarità degli stessi, costituisce un ostacolo al loro sviluppo ed è per questo che il mercato ha iniziato a invocare l’intervento delle autorità di regolamentazione e vigilanza. Ne parla **Paolo Cacciabue, Senior Business Development Manager Objectway** intervistato da WeWealth.
Cos’è la Blockchain
La blockchain è un **insieme di tecnologie** che sfrutta le caratteristiche di una **rete informatica di nodi** (ossia qualsiasi dispositivo hardware in grado di connettersi ad internet) e permette di gestire e aggiornare, in modo univoco e protetto, un **registro contenente dati e informazioni in maniera aperta**, condivisa e distribuita (c.d. Distributed Ledger Technologies). Tutto ciò senza la necessità di un’entità centrale di controllo e verifica, sia essa privata o pubblica.
Blockchain e Finanza
A sostenere la crescita della blockchain è principalmente il settore dei servizi finanziari, che rappresenta quasi il 30% del totale delle sue applicazioni. Non è un caso, dal momento che oggi questo insieme di tecnologie ha dimostrato di avere grandi potenzialità nel campo dei **pagamenti digitali** e delle cripto-attività. Le criptovalute di maggior successo al mondo costruite utilizzando la piattaforma e molte aziende che utilizzano specifiche applicazioni della blockchain per le transazioni inter-aziendali.
Ma in che modo la blockchain può aiutare in concreto gli investitori? Un esempio è il progetto che il **Centro di Ricerca su Tecnologie, Innovazione e Servizi Finanziari dell’Università Cattolica (CeTIF)** – del quale Objectway è partner – ha avviato da diversi anni insieme a Banche ed Intermediari. Esso si basa su tecnologia blockchain/DLT (distributed ledger technology) e si pone l’obiettivo di realizzare il primo ecosistema italiano dedicato a emissione, collocamento e sottoscrizione dei security Token per il mercato degli Alternative Investment. “Questo modello – spiega Cacciabue – può permettere agli intermediari di utilizzare protocolli di scambio decentralizzati (c.d. “DeFi Istituzionali”), in conformità alle normative che saranno definite”. I ricercatori del CeTIF hanno evidenziato i benefici di questa soluzione in termini efficienza dei servizi finanziari svolti (riduzione di tempi e costi, incremento di trasparenza e sicurezza), sebbene abbiano anche individuato **rischi in termini di sostenibilità** (scalabilità e rischi cyber), di governance e presidio (identificazione dei partecipanti, registrazione e immutabilità delle transazioni).
Nonostante la piattaforma sia stata accolta molto positivamente dal mercato, si è tuttavia resa evidente la **carenza di un profilo regolamentare ad hoc**, prerequisito necessario all’avvio in produzione ed il go to market. “Tale aspetto impone che questo nuovo mercato sia normato con il necessario presidio da parte delle Autorità di vigilanza. In particolare, gli intermediari e gli operatori finanziari stanno seguendo con altrettanta attenzione le evoluzioni delle cripto-attività anche per far fronte alle richieste della clientela che desidera operare su questi strumenti”.
Blockchain e normativa: serve un cambio di rotta
È innegabile che il settore delle criptoattività – in particolar modo quello delle criptovalute – stia attraversando una crisi di fiducia da parte del mercato e dei suoi operatori. Tuttavia così come in passato lo scandalo Maddoff e il crack della Lehman Brothers non hanno comportato la fine dei mercati finanziari tradizionali, così adesso si può ritenere che quelli legati a piattaforme crypto quali FTX non causeranno la fine dell’industry delle criptoattività e della blockchain.
“Generalmente, infatti, – spiega Cacciabue – le crisi delle istituzioni finanziarie sono state seguite dall’implementazione di norme e controlli più efficaci, che sono serviti a rafforzare il settore. Più che in ogni altra situazione, per le cripto-attività è necessario che a livello internazionale siano definiti dei **framework regolamentari di supervisione e sorveglianza al fine di definire un quadro normativo italiano specifico** per i relativi servizi che la clientela sta già chiedendo agli intermediari. In tal modo soprattutto gli investitori privati e la clientela retail saranno maggiormente tutelati e potranno accedere con maggiori garanzie a questo tipo di investimenti.
La domanda non è quindi se, ma quando e come si realizzerà questo nuovo impianto normativo. Per gli intermediari e gli operatori finanziari sarà quindi fondamentale dotarsi degli strumenti e della tecnologia necessaria per garantire compliance e conformità alla nuova regolamentazione”.
Oggi gli investitori istituzionali guardano comunque alle cripto-attività per perseguire un fattore di diversificazione dei loro portafogli, per aumentare i ritorni attesi e soprattutto per rispondere all’evoluzione delle richieste della clientela.
[](https://www.linkedin.com/in/paolocacciabue/)### Paolo Cacciabue
Senior Business Development Manager Objectway
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### [Are wealth managers making their clients feel special?](https://objectway.com/are-wealth-managers-making-their-clients-feel-special-farvest-group/)
**Published:** February 6, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** In the past five years, the importance of customer experience in wealth and investment management has changed dramatically.
**Content:**
# Are wealth managers making their clients feel special?
6th February 2023 – In the past five years, the importance of customer experience in wealth and investment management has changed dramatically. This is going to be the main battleground to retain and attract clients. Read now the full Farvest article that resumes the results deriving from the latest Objectway Survey.
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In the past five years, the importance of customer experience in wealth and investment management has changed dramatically. This is going to be the main battleground to retain and attract clients. Organizations have progressively shifted their focus from the back-end engines of compliance to developing a compelling digital customer experience.
Anecdotal evidence supports this perception; for example, a report by Ernst & Young\[1\] states that as many as one third of clients will change their wealth manager over the next three years. Similarly, a study by McKinsey\[2\] shows that 70% of the client experience is based on how the client feels they are being treated—a metric largely dependent on quality of communication.
In **[a recent online survey conducted by Objectway](https://objectway.com/download-survey-report-how-advanced-is-your-digital-customer-experience/)**, a Pan-European Wealth & Asset Management software and services company, the Wealth & Investment Managers outlined the latest customer experience trends.
Only 10% of respondents are highly confident in the effectiveness of their current digital experience offered to clients. The majority of wealth and investment firms surveyed (60%) feel that much work needs to be done to improve it.
But why is digital customer experience so important for organizations? Mainly because it promotes **higher revenues and customer base growth** (24%), it contributes to improve customer success metrics (24%) and reduces operational costs for customer service (20%).
On the other side of the coin, limited staff expertise, outdated technology and budget/time constraints are the top challenges in implementing effective digital customer experiences. Limited staff expertise can lead to inconsistent service. Outdated technology can impede the ability to efficiently serve customers or provide a seamless experience. Budget and time constraints might cut the resources necessary to improve customer experience. To address these challenges, businesses might need to **invest in training, technology upgrades, and efficient processes** to optimize use of their resources.
As such, half of organizations surveyed are planning to **replace or update their platforms** and apps for lead generation, engagement, insight generation and customer experience management. In this way, digitalisation not only enhances the customer experience but also **boosts operational automation and efficiency** too. The net result is that staff are able to spend less time doing administration and dedicate more time to proactively managing and nurturing relationships. This makes for better business as having a good customer experience makes for retention, greater share of wallet, and referrals.
Coming to the measurement of their improvements in digital customer experience, classic analytics are used by most firms: customer satisfaction (CSAT 32%), followed by net promoter score (NPS 16%), customer acquisition rate (16%) and customer lifetime value (CLV 15%). These tools help firms to **identify areas where they are excelling and areas where they need to improve to meet customer needs** and expectations. These insights can be used make data-driven decisions on how to improve the overall customer experience.
Furthermore, the survey data shows that companies are using a diverse set of tools to deliver their customer experiences. **The most popular capabilities are CRM (43%)**, email marketing tools (17%), content management systems (CMS, 17%) and social media analytics (17%). Some of these tools are integrated into a wider digital experience platform, but others are standalone solutions. CRM is the core tool, but in the next years investment firms foresee the need for delivering a **more sophisticated digital experience**, with a digital experience platform and a customer experience management software. The need for a digital experience platform includes also an **opti-channel dynamic portal with personalised interaction with customer**.
Clearly, the industry will be undertaking some fairly significant technology investments as a means to get customer experience capability, and scale. We will start to see some fairly big projects as well as smaller tweaks to existing capabilities that are incremental and modular. In doing this, **wealth and investment managers will buy themselves the ability to win on experience**, provide scale, and the correlation between IT spend and profitability will invert. Indeed, a company’s ability to attract and retain clients depends on its ability to keep operating costs low. If the cost of serving clients remains high, the company will fail to make a profit. Large-scale improvements in operations can lead to significant increases in the company’s bottom line.
\[1\]Ernst & Young, Global Wealth Management Research Report, 2019
\[2\]McKinsey, TECE Survey, 2019
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### [Digital Customer Experience: a che punto è il wealth management?](https://objectway.com/digital-customer-experience-a-che-punto-e-il-wealth-management/)
**Published:** February 20, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** La rapida digitalizzazione del wealth management pone le aziende di questo settore davanti a notevoli opportunità e sfide importanti.
**Content:**
# Digital Customer Experience: a che punto è il wealth management?
20 Febbraio 2023 – La rapida digitalizzazione del wealth management pone le aziende di questo settore davanti a notevoli opportunità e sfide importanti. Barbara Gentile, Product Marketing Manager di Objectway ha illustrato a We Wealth strategie e prospettive future su cui le aziende sono chiamate a lavorare.
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C’è un detto tra i professionisti della customer experience: “falla bene e nessuno se ne accorgerà. Falla male e tutti se ne renderanno conto”. A prescindere dalle dinamiche proprie di ciascun settore, il rapido trend di digitalizzazione di beni e servizi investe oggi anche quei segmenti caratterizzati da un rapporto con la clientela basato sull’interazione personale e su un approccio made-to-measure.
Tra questi settori vi è anche quello del Wealth Management, per il quale la digital customer experience rappresenta un elemento cruciale della loro strategia e un decisivo fattore di differenziazione rispetto ai propri competitor. Vediamo come e perché con **Barbara Gentile, Product Marketing Manager di Objectway**
Allargare e fidelizzare la base clienti
Per capire come oggi il mondo del wealth è posizionato rispetto al trend della digital customer experience ci siamo avvalsi delle evidenze raccolte nel survey report **[“How Advanced Is Your Digital Customer Experience?” realizzato da Objectway](https://objectway.com/download-survey-report-how-advanced-is-your-digital-customer-experience/)**, a partire da un campione di wealth e investment manager. In primo luogo, ciò che i dati mostrano è che c’è ancora ampio spazio per il miglioramento e l’implementazione di strategie adeguate. Solo 1 intervistato su 10 ha infatti risposto di ritenere efficace la propria digital customer experience e ben 6 su 10 sono altresì convinti che questa possa e debba essere migliorata. “Migliorare la customer experience – spiega Gentile – è un processo dinamico che si evolve con gli strumenti e con la clientela. Per questo sono necessarie particolare attenzione e adeguate risorse: affrontare questo tema dovrebbe essere infatti una priorità, perché l’esperienza del cliente influisce anche sulla fedeltà di quest’ultimo nei confronti dell’azienda e dei suoi servizi”.
Una maggiore fidelizzazione del cliente non è però il solo vantaggio che una digital customer experience efficiente può apportare. Essa è infatti anche un ingranaggio fondamentale del più ampio **processo di digitalizzazione del wealth management**, che a sua volta consente agli operatori di ottimizzare i costi, allargare la base clienti e incrementare la produttività dell’azienda aumentando le masse gestite.
Gestione dei dati: la conoscenza è potere
Un secondo importante elemento che emerge nel report è la rilevanza che assume la **corretta gestione dei dati acquisiti**. Il data management si compone della raccolta, conservazione e analisi dei dati relativi al cliente, permettendo alle aziende di conoscerlo in maniera più dettagliata. A ciò si affiancano i **processi di data integration**, che permettono alle aziende di incrociare i dati raccolti da fonti differenti e di correlarli. Tra le fonti considerate più importanti il report ha individuato il **customer relationship management (CRM)**.
Esso è uno strumento cruciale per le aziende che intendono migliorare l’esperienza complessiva del cliente, automatizzando e semplificando i processi customer-facing. Dopo il CRM, altre fonti di dati rilevanti si sono rivelate le website analytics e i social media. “Una conoscenza più profonda e integrata delle informazioni del cliente – commenta Gentile – è fondamentale, perché consente una migliore comprensione delle sue esigenze e conseguentemente, permette alle aziende di erogare un servizio più efficace. Non stupisce dunque che l’adozione di validi strumenti di customer data management e integration sia risultata la priorità della maggior parte dei rispondenti”.
I principali ostacoli da rimuovere
Infine, il report evidenzia che per implementare un’efficace strategia di customer experience digitale i wealth manager devono rimuovere alcuni ostacoli. In primo luogo, i rispondenti hanno evidenziato la **mancanza di competenze tecniche** da parte del personale, che può comportare l’incapacità di rispondere a determinate esigenze dei clienti, inficiando così il servizio prestato. Ma non c’è solo l’elemento umano, poiché anche tecnologie e strumenti obsoleti possono ostacolare la capacità di servire in modo efficiente i clienti o di fornire un’adeguata customer experience. A ciò si aggiungono inoltre i **vincoli di budget e di tempo**, che possono limitare pesantemente le risorse disponibili per il miglioramento della customer experience. “Per affrontare queste sfide – spiega Gentile – **le aziende dovrebbero investire maggiormente nella formazione, nell’aggiornamento delle tecnologie utilizzate e nell’efficientamento dei processi”**.
In futuro la mera relazione con il professionista non sarà sufficiente a garantire un’adeguata soddisfazione del cliente: la fruibilità e l’efficacia dei supporti digitali messi a disposizione del singolo investitore e la gestione dei dati raccolti da parte delle aziende, infatti, giocano e giocheranno un ruolo sempre più cruciale nell’industria del wealth management.
[](https://www.linkedin.com/in/barbara-gentile-3722782/)### Barbara Gentile
Product Marketing Manager Objectway
## Related
[All](#)[\#customerexperience](#)[\#financialservices](#)[\#markettrends](#)[\#wealth-management](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
[Studie: Veraltete Technologie bremst Wachstum bei Instituten](https://objectway.com/studie-veraltete-technologie-bremst-wachstum-bei-instituten/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Studie: Veraltete Technologie bremst Wachstum bei Instituten
4 September 2026
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**Categories:** Article
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---
### [Digital Customer Experience e Wealth Management: tempo di agire](https://objectway.com/digital-customer-experience-e-wealth-management-rapporto-con-il-cliente-e-innovazione-tecnologica/)
**Published:** March 27, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Customer experience: per il wealth management la domanda non è più ‘se’ ma ‘come’ investire nella digitalizzazione della propria offerta.
**Content:**
# Digital Customer Experience e Wealth Management: tempo di agire
27 Marzo 2023 – Customer experience: per il wealth management la domanda non è più ‘se’ ma ‘come’ investire nella digitalizzazione della propria offerta. Ne parla Barbara Gentile, Product Marketing Manager Objectway, nella sua più recente intervista con We Wealth.
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Ampliamento e fidelizzazione della base clienti, migliore gestione dei dati e differenziazione rispetto ai competitor: sono queste le più importanti opportunità che la Digital Customer Experience può offrire all’industria del wealth management.
Come emerso nel report **[“How Advanced Is Your Digital Customer Experience?” di Objectway](https://objectway.com/download-survey-report-how-advanced-is-your-digital-customer-experience/)**, commentato per i lettori di We Wealth da Barbara Gentile, Product Marketing Manager della società, la customer experience rappresenta uno dei principali stimoli alla digitalizzazione del settore finanziario e in particolare della consulenza patrimoniale. “Non stupisce dunque – spiega l’esperta – che le aziende del wealth stiano investendo per dotarsi delle giuste tecnologie e sviluppare la propria customer experience digitale”.
To do list: app e tool digitali nel breve periodo…
Per potenziare la propria presenza digitale e offrire una customer experience sempre più efficiente, ricoprono un ruolo fondamentale i **tool digitali** e in particolare le **app**: “Esse, infatti, permettono ai clienti di avere accesso a tutte le funzionalità di cui hanno bisogno e, allo stesso tempo, **una migliore integrazione tra i servizi offerti e raccolta di dati o di ordini da parte dei clienti”.**
Ma non è tutto. La digitalizzazione contribuisce a rendere più efficienti i processi amministrativi e burocratici, come la raccolta di dati o di ordini da parte dei clienti. **“Grazie all’automazione di questi passaggi, i professionisti possono destinare maggiori risorse e attenzione alla gestione e alla cura del rapporto con i clienti”**, aggiunge Gentile.
A livello di rete o di banca, infine, una migliore customer experience contribuisce a una maggiore fidelizzazione, un incremento del fatturato e a generare più referenze.
…competenza umana e stato dell’arte tecnologico nel lungo
Affinché le aziende e i professionisti del wealth possano continuare a godere i vantaggi della digitalizzazione anche nel lungo periodo è imprescindibile che questi adottino alcuni accorgimenti. “Innanzitutto occorre **investire nella formazione e nell’aggiornamento del personale**, così come risulta fondamentale dotarsi delle **tecnologie adeguate a livello di hardware e software”**. Come emerso nel report, infatti, sono molte le aziende che stanno vagliando la possibilità di **sostituire, aggiornare o introdurre nuovi strumenti per generare lead di qualità** e per adottare le strategie più utili a raccogliere e utilizzare informazioni rilevanti.
“L’obiettivo – spiega Gentile – è quello di **offrire ai clienti una user experience quanto più sofisticata possibile**, a partire dall’implementazione di una piattaforma per la digital experience basata su un portale opti-channel dinamico, che consenta un’interazione personalizzata con l’utente”. È chiaro quindi che che la domanda non è più ‘se’ ma ‘come’ investire nella digitalizzazione della customer experience.
Fornire valore aggiunto e un’esperienza cliente differenziata non è più facoltativo: i professionisti del wealth lo sanno e stanno agendo per questo.
[](https://www.linkedin.com/in/barbara-gentile-3722782/)### Barbara Gentile
Product Marketing Manager Objectway
## Related
[All](#)[\#customerexperience](#)[\#financialservices](#)[\#wealth-management-trends](#)[\#wealthtech](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
[Studie: Veraltete Technologie bremst Wachstum bei Instituten](https://objectway.com/studie-veraltete-technologie-bremst-wachstum-bei-instituten/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Studie: Veraltete Technologie bremst Wachstum bei Instituten
4 September 2026
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---
### [Compeer - The front office of the future: investing in your client10th May 2017](https://objectway.com/the-front-office-of-the-future-investing-in-your-client/)
**Published:** May 10, 2017
**Author:** Alessandro Rocco
**Excerpt:** Objectway gold sponsor at the Compeer’s front office event, will be talking about “How the Digital Front Office drives differentiation in Wealth Management"
**Content:**
# Compeer – The front office of the future: investing in your client
10th May 2017 – Objectway, gold sponsor at the Compeer’s front office event, will be talking about “How the Digital Front Office drives differentiation in Wealth Management”.
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## Agenda
18th May 2017
**The front office of the future: investing in your client.**
Peter Schramme, Chief Business Development Officer, Objectway
Discussion of front office scalability, productivity, staff remuneration and turnover, and client satisfaction and new business performance, highlighting areas for improvement.
Don’t miss the chance to hear keynote industry speakers and Compeer’s research. Check the website of the event [here.](https://compeer.co.uk/previous-events/the-front-office-of-the-future-investing-in-your-client/)
## Event Information
18th May 2017, 16:00 – 20:00, Fishmongers’ Hall,
London
## Speaker
Peter Schramme
Peter worked as Chief Business Development Officier at Objectway until December 2019. He is an experienced Managing Director with a demonstrated history of working in the financial services industry, skilled in Asset Management, Mergers & Acquisitions, Risk Management, Private Banking, and Managerial Finance.
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---
### [Objectway on air on the South African radio program Classic Business, fm 102.721st June 2017](https://objectway.com/objectway-on-air-on-the-south-african-radio-program-classic-business-fm-102-7/)
**Published:** June 21, 2017
**Author:** Alessandro Rocco
**Content:**
# Objectway on air on the South African radio program Classic Business, fm 102.7
21st June 2017
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## Agenda
21st June 2017
Objectway was on air on the South African radio program Classic Business, where **Maarten Boddeus**, Business Development Director, gave an interview on hybrid advisory.
[LISTEN TO THE PODCAST](http://www.classicfm.co.za/resolveuid/c725d957eaf17d499bee4f7ab20d1f49)
## Event Information
21st June 2017 – **Classic Business**, fm 102.7
## Speaker
Marteen Boddeus
Maarten worked as a Business Development Director at Objectway, where he was responsible for the development and the organic growth of the South African market.
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---
### [Wealth management & private banking conference 20174th October 2017](https://objectway.com/wealth-management-private-banking-conference-2017/)
**Published:** October 4, 2017
**Author:** Alessandro Rocco
**Excerpt:** Objectway participates at the Wealth Management & Private Banking Conference 2017
**Content:**
# Wealth Management & Private Banking Conference 2017
4th October 2017
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## Agenda
4th October 2017
Objectway is presenting “Wealth Management in the Digital Era” to go in deep on how digital will drive change in the client/advisor relationship and how the interaction with clients will be like in the near future. The speech is held by **Marteen Boddeus**, Business Development Director SA at Objectway.
## Speaker
Marteen Boddeus
Maarten worked as a Business Development Director at Objectway, where he was responsible for the development and the organic growth of the South African market.
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---
### [Securities Industry Conference6th October 2017](https://objectway.com/securities-industry-conference/)
**Published:** October 6, 2017
**Author:** Alessandro Rocco
**Excerpt:** Objectway will attend the Securities Industry Conference by Goodacre
**Content:**
# Securities Industry Conference
6th October 2017 – Objectway will attend the Securities Industry Conference held by Goodacre.
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## Agenda
6th October 2017
Automation in Wealth Management
**Peter Schramme**, Chief Executive Officer
Objectway will be giving a presentation on “**Automation in Wealth Management**” and it will explore how Intelligent automation will potentially become the discriminating factor between market leaders and market laggers in the Wealth &Investment management area in the mid-term.
## Event Information
6th October 2017 8:30 – 13:00, Royal Bank of Scotland Auditorium, Bishopsgate
Discover more about the event [here.](https://www.goodacreuk.com/securities-industry-conference/83-securities-industry-conference-2017)
## Speaker
Peter Schramme
Peter worked as Chief Business Development Officier at Objectway until December 2019. He is an experienced Managing Director with a demonstrated history of working in the financial services industry, skilled in Asset Management, Mergers & Acquisitions, Risk Management, Private Banking, and Managerial Finance.
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---
### [Screen Markets10th October 2017](https://objectway.com/screen-markets/)
**Published:** October 10, 2017
**Author:** Alessandro Rocco
**Excerpt:** Objectway will be attending the Screen Markets
**Content:**
# Screen Markets
10th October 2017 – Objectway will be attending The Screen Markets event: the 25th edition of this event will be introducing new features and have a splendid new venue at the Amsterdam Zuid-as, Atrium Amsterdam.
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## Agenda
10th October 2017, from 02:00pm
Screen Markets brings together demand, supply and intermediates in the financial services industry. This year’s program will consist of 4 breakout conference streams, such as:
- Market Data Products & Solutions
- Reference Data Management & Feeds
- Trends in the world of Banking and Asset & Wealth Management Systems
- Regulation & Compliance for Capital Markets (e.g. KYC, MAR, MIFID and ALM)
04:55pm – 05:25pm
**Wealth Management in the Digital Era**
Join us at the breakout stream “Trends in the world of banking and Asset & Wealth Management Systems”, and follow our presentation “Wealth Management in the Digital Era” which will explore how digital technology developments can support you facing the current industry challenge and enable your digital transformation, from the creation of a coherent and effective digital eco-system, to how to differentiate your services in a more commoditized market.
## Event Information
Host by TRG Screen,
10th October 2017, Atrium Meeting Centre, Amsterdam.
If you wish to find out more, please visit us at Objectway’s stand or [book a meeting here.]()
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---
### [EFMA Innovation Summit23rd October 2017](https://objectway.com/efma-innovation-summit/)
**Published:** October 23, 2017
**Author:** Alessandro Rocco
**Excerpt:** Objectway sponsor at the EFMA Innovation Summit 2017
**Content:**
# Customer Experience in Financial Services
23rd | 24th October 2017 – Objectway sponsor at the EFMA Innovation Summit 2017.
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## Agenda
23rd and 24th October 2017
Objectway will be a sponsor at the 45th Efma Congress on Banking Transformation. The event will focus on one of the biggest trends characterising the next evolution of the financial world: **Artificial Intelligence**.
## Event Information
23rd and 24th October 2017, Sheraton Parco de Medici Rome Hotel, Rome
Meet us at our booth or [book a meeting here.]()
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---
### [PIMFA Annual Summit3rd November 2017](https://objectway.com/pimfa-annual-summit/)
**Published:** November 3, 2017
**Author:** Alessandro Rocco
**Content:**
# PIMFA Annual Summit
3rd November 2017 – Objectway partecipates at the PIMFA 2017 Summit.
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## Agenda
8th November 2017
PIMFA, a leading trade association in the personal investment management & financial advice sector in the UK, will host their inaugural Annual Summit on November 8th. After dealing with some of the key issues of the sector, the agenda will focus on the **‘What’s Next for the Industry?’** debate: it includes multiple panel sessions on the challenges for advice and the future of the personal investment management and financial advice profession.
The PIMFA 2017 Summit will be a unique opportunity to investigate and gain a comprehensive understanding of the issues that impact upon the Wealth Management sector and provide an exceptional opportunity for the wealth community to debate the future of our industry and its role in spurring economic growth. Don’t miss **Objectway**‘s round table on “From Millennials to Gen Z – Future Perspectives”.
## Event Information
8th November 2017 Grange Tower Bridge Hotel, London
Meet us at our booth or [book a meeting here.]()
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---
### [Breakfast Briefing “Disruptive Trends in Wealth Management: What to Expect”26th March 2018](https://objectway.com/breakfast-briefing-disruptive-trends-in-wealth-management-what-to-expect/)
**Published:** March 26, 2018
**Author:** Alessandro Rocco
**Content:**
# Breakfast Briefing “Disruptive Trends in Wealth Management: What to Expect”
26th March 2018 – Objectway, in collaboration with Goodacre, is setting a Breakfast Briefing that will take place April 18th.
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## Agenda
18th April 2018
08:30am – 09:30am
Registration & breakfast
09:30am – 09:35am
Introduction
Angela Knight CBE, Goodacre UK
09:35am – 10:05am
Wealth Management: Innovation is Key
Justin Urquhart Stewart, Head of Corporate Development, 7IM
10:05am – 10:35am
The Voice of the Market..and what does it whisper?
Peter Schramme, Chief Business Development Officer, Objectway
10:35am
Session Conclusion and Networking
Attend the two hour event, enjoy the breakfast networking with Wealth Management senior executives, and follow the presentations focusing on the potential disruptive concepts and approaches impacting the Wealth and Investment Management market. The session will also provide some food for thought about potential future levers of differentiation and how the business might be affected. Angela Knight CBE will chair the session.
## Event Information
18 April 2018, The City of London Club, Old Broad Street, London EC2N 1DS
[Register here.]()
## Speaker
Peter Schramme
Peter worked as Chief Business Development Officier at Objectway until December 2019. He is an experienced Managing Director with a demonstrated history of working in the financial services industry, skilled in Asset Management, Mergers & Acquisitions, Risk Management, Private Banking, and Managerial Finance.
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---
### [Robo-Advisory 2.0: Digital Meets Human15th May 2018](https://objectway.com/robo-advisory-2-0-digital-meets-human/)
**Published:** May 15, 2018
**Author:** Alessandro Rocco
**Excerpt:** Register now to Objectway's webinar "Robo-Advisory 2.0: Digital Meets Human" on June 5th
**Content:**
# Robo-Advisory 2.0: Digital Meets Human
15th May 2018 – Register now to Objectway’s webinar “Robo-Advisory 2.0: Digital Meets Human” on June 5th.
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[LinkLinkLink >](https://objectway.com/who-we-serve/?lang=en)
## Agenda
Tuesday, 05th June 2018
03:00pm
Robo-Advisory 2.0: Digital Meets Human
Digitisation and digitalisation can meet human needs but also needs the human factor to achieve that goal. A pure robo-only proposition is not capable of meeting complex needs and therefore is attractive to only a limited part of the population.
A future-proof digital advisory solution should provide superb human governance, blended with robo capabilities to effectively mass-customise personalised investment advice.
This webinar will expand on the do’s & dont’ss with regard to Robo-Advisory 2.0. As a follow up from the webinar, our Objectway team will be happy to further discuss our solutions with you to drive your Robo-Advisory 2.0 initiatives.
## Event Information
Tuesday, 05th June 2018, 3pm CET, duration: 30 minutes
Follow this [link](https://register.gotowebinar.com/register/4526566617002289154) to register or [contact us]() to further discuss our solution.
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**Categories:** Webinar
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---
### [Objectway at the Private Banker Luxembourg 20185th October 2018](https://objectway.com/objectway-at-the-private-banker-luxembourg-2018/)
**Published:** October 5, 2018
**Author:** Alessandro Rocco
**Excerpt:** Objectway sponsor at the Private Banker Luxembourg 2018
**Content:**
# Objectway at the Private Banker Luxembourg 2018
5th October 2018 – Objectway was sponsor of Private Banker Luxembourg.
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[LinkLinkLink >](https://objectway.com/who-we-serve/?lang=en)
**Objectway** was sponsor of **Private Banker Luxembourg**. 200 key decision makers from within the financial sector attended the 8th edition.
This year’s theme focused on Augmented Private Banker including topics around:
- What are the new challenges private bankers have to cope with?
- How to better follow up on client’s wealth management with new technologic tools?
- New business models linked to client relationship ( impact of MIFID II, GDPR, digitalisation, chatbot, automation)
- Will private bankers succeed in convincing new generations by adapting their services?
## Agenda
20th March 2018
The voice of the Market… and what does it whisper
Our presentation explored which new or disruptive concepts and approaches are looming on the horizon in the Wealth & Investment Management market.
## Event Information
20th March 2018, the Hotel Le Royal, Luxembourg.
Contact us [here.]()
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---
### [Breakfast briefing “Wealth Management at the Digital Frontier”11th October 2018](https://objectway.com/breakfast-briefing-wealth-management-at-the-digital-frontier/)
**Published:** October 11, 2018
**Author:** Alessandro Rocco
**Content:**
# Breakfast briefing “Wealth Management at the Digital Frontier”
11th October 2018 – Objectway, in collaboration with Compeer, is setting a Breakfast Briefing on Wealth Management at the Digital Frontier.
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[LinkLinkLink >](https://objectway.com/who-we-serve/?lang=en)
## Agenda
11th October 2018
Objectway and Compeer are delighted to invite you to their Breakfast Briefing “Wealth Management at the Digital Frontier”
Attend the two hour event, enjoy the breakfast networking with other C-level Wealth Managers, and follow the presentations focusing on how wealth management firms are empowering their entire advisor-client relationship.
Book your place [here.]()
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---
### [Ottimizzazione di Portafoglio– Generazione automatica di proposte di investimento personalizzate29th October 2018](https://objectway.com/ottimizzazione-di-portafoglio/)
**Published:** October 29, 2018
**Author:** Alessandro Rocco
**Content:**
# Ottimizzazione di Portafoglio– Generazione automatica di proposte di investimento personalizzate
29 October 2018 – Objectway e il centro di ricerca e di consulenza in econometria e finanza Greta presentano i propri sofisticati algoritmi di ottimizzazione del portafoglio.
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Offrire una proposta di investimento veramente personalizzata a un elevato numero di clienti risparmiando tempo e risorse è davvero possibile?
Objectway e il centro di ricerca e di consulenza in econometria e finanza Greta presentano i propri sofisticati algoritmi di ottimizzazione del portafoglio, disponibili on-premise e cloud, per la generazione massiva di raccomandazioni personalizzate sui reali bisogni dei clienti, adeguate in termini di compliance e rispondenti ai requisiti della propria organizzazione.
## Agenda
29 Novembre 2018
16:30
Registrazione
16:45
Introduzione e benvenuto
16:50
Ricerca e innovazione al servizio del Wealth Management
Prof. Massimiliano Caporin, GRETA Associati
17:20
L’innovazione in pratica: portafogli personalizzati e mass customization
Marco Migliorin, Senior Business Consultant Objectway
17:40
“Il triangolo ottimo”: vincoli, dati, performance
Lorenzo Pagnin, Chief Technology Officer Objectway
17:55
Q&A
18:00
Networking Cocktail
## Event Information
29 Novembre dalle 16.30, Objectway, Via G. Da Procida nº24, 20149, Milano
L’iscrizione è soggetta a disponibilità dei posti e si intenderà effettiva solo ad avvenuta conferma da parte della segreteria organizzativa. [Registrati qui.]()
## Sign Up for our Newsletter
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---
### [Digital Investment Management27th February 2019](https://objectway.com/digital-investment-management/)
**Published:** February 2, 2019
**Author:** Alessandro Rocco
**Content:**
# Digital Investment Management
27th February 2019 – Objectway sarà sponsor della prima edizione del Banking Program organizzato da The Innovation Group.
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[LinkLinkLink >](https://objectway.com/who-we-serve/?lang=en)
## Agenda
27th February 2019
16:50
Il wealth management come leva di crescita per le banche e come il digitale lo sta cambiando
Luigi Marciano, Founder & CEO Objectway
**The Innovation Group all’interno del suo Banking Program 2019** organizza il primo appuntamento dedicato all’innovazione nel settore bancario e finanziario sui temi specifici dell’industria del risparmio gestito. Dopo l’edizione dell’anno scorso quest’anno l’evento diventa un vero e proprio tavolo di lavoro ristretto e selezionato in cui autorevoli stakeholder e rappresentanti del management e dell’innovazione digitale si confrontano su diversi temi legati al **cambiamento del settore dell’investment management**.
Tra i temi che verranno affrontati ci saranno:
- Come l’evoluzione delle esigenze della clientela e l’innovazione tecnologica stanno cambiando il **modello di business degli asset manager e il rapporto con le reti?**
- Come i wealth manager possono differenziare la loro offerta di consulenza utilizzando anche le potenzialità della leva digitale?
- Come si declinerà nel futuro il rapporto tra **asset manager, banche e fintech?**
- Quanto si prevede saranno utilizzate le tecnologie avanzate come AI per la gestione degli investimenti e la consulenza finanziaria?
## Event Information
27th February 2019, Chateau Monfort – Corso Concordia 1, Milano
## Speaker
Luigi Marciano
Luigi is Objectway’s founder, CEO group and major shareholder. As visionary entrepreneur, he has dedicated his career to power the investment service business by technology innovation. He has successfully consolidated Objectway’s leadership in the wealth and asset management industry internationally, creating a technology platform, which enables customers to digitally evolve their business and deliver higher performances.
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---
### [Empower your business with a Digital Integrated Platform10 Aprile 2019](https://objectway.com/empower-your-business-with-a-digital-integrated-platform/)
**Published:** April 7, 2019
**Author:** Alessandro Rocco
**Content:**
# Empower your business with a digital integrated platform
10 Aprile 2019 – Objectway presenta Conectus, Digital Wealth Experience Platform per il segmento del wealth e investment management che offre a clienti e advisor una user experience multicanale.
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[LinkLinkLink >](https://objectway.com/who-we-serve/?lang=en)
## Agenda
10 Aprile 2019
16:30 – 18:30
Empower your business with a Digital Integrated Platform
Objectway
Vorresti sottoscrivere un contratto in maniera completamente digitale, parlare con i tuoi clienti tramite video, chat, messaggi sicuri e risparmiare tempo da investire sullo sviluppo delle opportunità?
Objectway presenta **Conectus, Digital Wealth Experience Platform per il segmento del wealth e investment management** che offre a clienti e advisor una user experience multicanale.
- **Onboarding semplificato** e firma digitale
- Collaborazione sincrona e asincrona in piena sicurezza
- **Consultazione di portafoglio user-friendly** e in mobilità
- Condivisione di documenti e informazioni multimediali in tempo reale
- **Architettura modulare a microservizi**
16:30 – 16:50
Registrazione
16:50 – 17:10
Conectus Digital Wealth Experience & Client Cases
La piattaforma per le attività di digital collaboration & client engagement e come la utilizzano i nostri clienti
Georgios Lekkas, Chief Product Officer Objectway
Barbara Gentile, Product Marketing Manager Objectway
17:10 – 17:30
Frictionless Client Onboarding
Processi di onboarding semplificati per la raccolta delle informazioni, l’identificazione e la profilazione della clientela, la generazione del fascicolo contrattuale e la firma elettronica
Nicola Pepè, Product Manager Objectway
17:30 – 17:50
Investor Portal e Digital Collaboration
Consultazione di portafoglio user-friendly e in mobilità, condivisione di documenti e informazioni, collaborazione in tempo reale tramite video-chat, screen sharing, instant messaging
Davide Ingoglia, Product Manager Objectway
17:50 – 18:00
Advisor Desk, Smart Business Management
Dashboard dell’advisor con vista a 360° gradi sul patrimonio del cliente, veloce accesso alle azioni frequenti, attenzione alle notifiche rilevanti, gestione della “valigetta” con gli argomenti di vendita
Nicola Pepè, Product Manager Objectway
18:00 – 18:10
Scorci di tecnologia
Accenni di architettura aperta e collaborativa a microservizi
Vittorio Teglia, Chief Product Architect Objectway
18:00 – 18:20
Uno sguardo al futuro
L’evoluzione della piattaforma Conectus verso un futuro sempre più intelligente, digitale e condiviso
Georgios Lekkas, Chief Product Officer Objectway
18:20 – 18:30
Cocktail
## Event Information
10 Aprile 2019, Objectway, Via Giovanni da Procida, 24, 20149, Milano
L’iscrizione è soggetta a disponibilità dei posti e si intenderà effettiva solo ad avvenuta conferma da parte della segreteria organizzativa.
## Speaker
Nicola Pepè
Master Degree in Electronic and Telecommunications Engineering, Nicola has been working for Objectway for more than ten years and in 2019 he became Senior Manager Business Development. Customer support, competition analysis and management of the different phases of release and development of the main operating platforms, are just some of the areas where Nicola operates.
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---
### [Compeer Front Office 201914th May 2019](https://objectway.com/compeer-front-office-2019/)
**Published:** May 14, 2019
**Author:** Alessandro Rocco
**Excerpt:** The Front Office is one of the most important and expensive areas of a wealth management business: get value for money!
**Content:**
# Compeer Front-office 2019
14th May 2019 – Attend Objectway and BNY Mellon & Pershing co-presentation and learn more about the UK Wealth Management Market needs and how Objectway WealthTech Suite reduces Front Office costs and increase profit margins.
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[LinkLinkLink >](https://objectway.com/who-we-serve/?lang=en)
## Agenda
14th May 2019
Boosting Front-Office productivity
The **Front Office** is one of the most important and expensive areas of a wealth management business, so the question of whether firms are getting value for money, both from their front office professionals and from the systems they use, is crucial.
The presentation will give a snapshot on some relevant and distinctive elements of the solution, namely:
- **portfolio optimiser**;
- **enabling front-to-back information processing**;
- **portfolio management**.
Finally, you will also learn about the need to digitally transform the business with an **“integrated solution”** to improve client experience and business efficiency, in a context of margins compression, regulation and fees.
## Event Information
14th May 2019
Meet us at our booth or [book a meeting here.]()
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**Categories:** Event
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---
### [Sales Audit & Compliance25 Giugno 2019](https://objectway.com/sales-audit-compliance/)
**Published:** May 24, 2019
**Author:** Alessandro Rocco
**Content:**
# Webinar Sales Audit & Compliance
25 Giugno 2019 – Partecipa al webinar organizzato da Objectway e scopri come ottimizzare il controllo della tua rete di vendita.
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[LinkLinkLink >](https://objectway.com/who-we-serve/?lang=en)
## Agenda
25 Giugno 2019
15:00 – 15:30
Ottimizza il controllo della tua rete di vendita
Intercetta preventivamente i presunti comportamenti anomali della tua rete di vendita (consulenti finanziari, private banker, agenti) e previeni l’insorgere di rischi operativi, patrimoniali e reputazionali per l’azienda, grazie ad un applicativo automatizzato che implementa la normativa vigente e le indicazioni delle associazioni di categoria.
- **Compliance Reporting**: analisi delle presunte anomalie con oltre 60 indicatori di valutazione, autonomia di parametrizzazione e report di sintesi sull’andamento globale dell’operatività della rete;
- **Audit Management**: completa gestione dei processi di verifica svolti dalla sede o sul territorio, con archiviazione della documentazione correlata, proveniente anche da fonti esterne.
## Webinar Information
Martedì, 25 Giugno 2019
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---
### [Front Office goes Digital3rd July 2019](https://objectway.com/front-office-goes-digital/)
**Published:** May 28, 2019
**Author:** Alessandro Rocco
**Excerpt:** How to improve advisor productivity and client experience, innovating the Front-Office
**Content:**
# Front-office goes digital
3rd July 2019 – Our presenters will explore the various key transformations that are evident within modern Front Office activities.
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[LinkLinkLink >](https://objectway.com/who-we-serve/?lang=en)
## Agenda
3rd July 2019
8:30am – 11:00am
Using Technology for operational efficiencies
Craig Brown, Head of Front Office Digital, Investec
A whole world of opportunities exist here from the use of Robots to remove repetitive time consuming tasks to building automation into processes such as Trading Middle and Back Office processes.
Boosting Front-Office productivity
David Wilson, Director, Objectway
Discover how to increase the Front Office productivity and support the whole digital investment management process.
The session will be chaired by Phillip Bungey, Chief Operating Officer at SEVEN INVESTMENT MANAGEMENT.
## Event Information
3rd July 2019, The Devonshire Club, 5 Devonshire Square, Spitalfields, London, EC2M 4YD
Meet us at our booth or [book a meeting here.]()
## Speaker
David Wilson
David has been working in the software services industry for over 30 years, his experience spans development, services and sales across Europe, North America and Asia. He has spent the last 15 years in in providing solutions to the Wealth management Industry globally. Since January 2013, with the acquisition by Objectway, he has assumed International Sales Director role for the new internationally entity.
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---
### [End-To-End Digital Advisory17 Ottobre 2019](https://objectway.com/end-to-end-digital-advisory/)
**Published:** July 29, 2019
**Author:** Alessandro Rocco
**Content:**
# End-to-end digital advisory
17 Ottobre 2019 – Modelli e strategie diventano proposte di investimento personalizzate. Come? Grazie alla WealthTech Suite di Objectway che permette di digitalizzare completamente il processo di advisory.
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[LinkLinkLink >](https://objectway.com/who-we-serve/?lang=en)
## Agenda
17 Ottobre 2019
16:30 – 18:30
End-to-end digital advisory
Objectway
16:30 – 16:45
Registrazione
16:45 – 16:50
Benvenuto
Gianbattista Geroldi, CEO Italy Objectway
16:50 – 17:00
Esigenze delle reti di consulenza
Michele Tanzi, Client Solution Director Objectway
17:00 – 17:10
Strategie di asset allocation. La costruzione di modelli e strategie a supporto dei processi di advisory
Marco Migliorin, Senior Business Consultant
17:10 – 17:40
Strumenti di mass advisory e personalizzazione
Antonella Salomone, Business Consultant Objectway
Adeguatezza: dietro le quinte di una proposta ottimizzata
Michele Pennacchio, Senior Business Consultant Objectway
17:40 – 18:00
Condivisione, verifica e condivisione delle proposte di investimento con il cliente
Ivana Giampetruzzi, Business Consultant Objectway
18:00 – 18:15
WealthTech on cloud: adottare rapidamente una nuova piattaforma di advisory ad elevate prestazioni
Lorenzo Pagnin, Chief Technology Officer Objectway
18:15 – 18:20
Wrap up & Closing
Michele Tanzi, Client Solution Director Objectway
18:20
Cocktail
## Event Information
17 Ottobre 2019, Enterprise Hotel, Corso Sempione 91, Milano
L’iscrizione è soggetta a disponibilità dei posti e si intenderà effettiva solo ad avvenuta conferma da parte della segreteria organizzativa.
## Speaker
Gianbattista Geroldi
Gianbattista leads Objectway’s Italian business and is part of the board of directors of the group, as CEO Italy. With more than 20 years of experience in the financial services industry, Gianbattista held senior management position in investment service software company before joining Objectway. He has successfully driven the operation and sales of several business across the wealth and asset management industry, consolidating the leadership of Objectway’s solutions in the Italian market.
Michele Tanzi
Graduated in Computer Science at the University of Bari, he immediately specialized in the analysis and design of software systems for finance and online trading. In 2003 he joined Objectway, where he immediately realized an innovative and complex private wealth management project. After having coordinated and led to success different Private and Premier Banking projects in Italy and Europe, since 2011 he has been Client Solutions Director, develops and supports Objectway’s software platforms for multichannel financial consulting processes and personal financial planning.
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---
### [Webinar - Front Office Productivity15th October 2019](https://objectway.com/webinar-front-office-productivity/)
**Published:** September 11, 2019
**Author:** Alessandro Rocco
**Excerpt:** How to increase Front Office productivity and support the entire digital investment management process
**Content:**
# Webinar: Boosting front-office productivity
15th | 16th October 2019 – Attend our webinar where we will discuss how to increase Front Office productivity and support the entire digital investment management process.
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[LinkLinkLink >](https://objectway.com/who-we-serve/?lang=en)
[LinkLinkLink >](https://objectway.com/who-we-serve/?lang=en)
## Agenda
15th | 16th October 2019
3:00pm
Boost front-office productivity
Today, many **wealth management firms** are struggling to get a positive balance between high Front Office costs and delivering outstanding services to their clients.
The presentation will provide a snapshot on some relevant and distinctive elements improving Front Office productivity, such as:
- **AI empowered portfolio management**;
- integrated **client-facing technology**;
- **flexible onboarding processes**.
Finally, you will also hear why to using an integrated solution can improve customer experience and business efficiency, in an environment of reduced margins and increasing regulatory burdens.
## Webinar Information
15th – 16th October 2019
Choose your most suitable slot and take part to the webinar!
## Sign Up for our Newsletter
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**Categories:** Webinar
**Tags:** GLO
---
### [Securities Industry Conference 2019 – London4th October 2019](https://objectway.com/securities-industry-conference-2019-london/)
**Published:** September 27, 2019
**Author:** Alessandro Rocco
**Excerpt:** How wealth management firms are struggling to get a positive balance between high front office costs and delivering outstanding services to their clients.
**Content:**
# Objectway at the Securities Industry Conference
4th October 2019 – Objectway sponsors at the Securities Industry Conference in London at NatWest Bishopsgate Auditorium.
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## Agenda
4th October 2019
08:30am – 01:00pm
Flexible onboarding: some food for thought
David Wilson, Sales and Marketing Director, Objectway
The conference brings together some of the best and brightest speakers in the sector who will be discussing topics, such as, **how wealth management firms** are struggling to get a positive balance between high front office costs and delivering outstanding services to their clients.
The presentation will discuss how to increase **front office productivity** and support the entire digital investment management process. We will provide a snapshot of:
- AI empowered **portfolio management**;
- integrated **client-facing technology**;
- flexible **onboarding processes** amongst others.
Finally, discover why using an **integrated solution** can improve customer experience and business efficiency, in an environment of reduced margins and increasing regulatory burden.
## Event Information
4h October 2019, The NatWest Bishopsgate Auditorium, 250 Bishopsgate, Spitalfields, London EC2M 4AA.
Meet us at our booth or [book a meeting here.]()
The SIC is free of charge for individuals representing regulated investment companies.
The conference will qualify for 3.5 hours of CPD.
## Speaker
David Wilson
David has been working in the software services industry for over 30 years, his experience spans development, services and sales across Europe, North America and Asia. He has spent the last 15 years in in providing solutions to the Wealth management Industry globally. Since January 2013, with the acquisition by Objectway, he has assumed International Sales Director role for the new internationally entity.
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---
### [Flexible Onboarding14 Novembre 2019](https://objectway.com/flexible-onboarding/)
**Published:** October 18, 2019
**Author:** Alessandro Rocco
**Content:**
# The factors transforming client onboarding in wealth management
14 Novembre 2019 – Partecipa al webinar organizzato da Objectway per scoprire le potenzialità e i fattori che possono incrementare la produttività aziendale durante il processo di client onboarding.
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## Agenda
14 Novembre 2019
3:00pm – 3:45pm
The factors transforming client onboarding in wealth management
Incrementa la tua produttività grazie ad una onboarding experience digitale con firma elettronica eIDAS, multicanale e integrabile con i **CRM aziendali esistenti**. Riduci il rischio di errori, le attività manuali e i tempi di attesa nel rispetto dei requisiti di compliance.
- **Client onboarding and engagement**: raccolta delle informazioni sulla clientela, verifica identità e dati finanziari, recepimento consensi e approvazioni, contrattualistica;
- **Digital transaction management**: gestione digitale dei contratti in modalità paperless, firma digitale e archivio sostitutivo a norma.
## Webinar Information
14 Novembre 2019
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---
### [Private Wealth Europe Forum 20197th November 2019](https://objectway.com/objectway-sponsor-a-private-wealth-europe-forum-2019/)
**Published:** November 4, 2019
**Author:** Alessandro Rocco
**Content:**
# Private Wealth Europe Forum 2019
7th November 2019 – Objectway sponsors the Private Wealth Europe Forum 2019, the leading meeting for family offices, wealth managers, private banks and asset managers in the region.
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[LinkLinkLink >](https://objectway.com/who-we-serve/?lang=en)
## Agenda
7th November 2019
In this edition of our meeting we will take our conversations beyond common knowledge and raise the level on our regional forum’s discussions.
- A one-day forum providing updated peer education on asset allocation, **wealth management asset protection, succession planning, private client management, offshore structuring, tax, trust and estate planning**;
- More than **250 attendees** including experts on the private client landscape from around Europe, with more than 30 countries represented, including 30+ members of a world class speaker faculty;
- An event structured around high level content and more than ten hours of targeted networking sessions.
## Event Information
7th November 2019, Milan
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---
### [System in the City Fintech Directory & Review 201926th November 2019](https://objectway.com/system-in-the-city-fintech-directory-review-2019/)
**Published:** November 22, 2019
**Author:** Alessandro Rocco
**Excerpt:** Discuss the current state of the financial technologies and solutions market.
**Content:**
# Systems in the City Fintech Directory & Review 2019
26th November 2019 – Join The Goodacre System in the City Fintech Directory & Review 2019, to discuss the current state of the financial technologies and solutions market.
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## Agenda
26th November 2019
Creating Digital Alpha: how to generate value across an end-to-end digital investment experience
Objectway
The **FinTech sector** is changing fast, especially with regulatory obligations demanding more time and resources than ever.
As many market disrupters adopt new innovational systems to relieve the pressure, traditional investment managers are beginning to follow suit.
This is a must-attend event for companies looking to explore their options and see first hand how they can implement new technologies into their operations.
We will highlight how the traditional boundaries of financial services are changing. Today’s customers do not evaluate an advisory service only in terms of alpha investment performance, but they are strongly influenced by a number of other elements that belong to the new digital alpha, for example, **solid investment strategies, advisor’s efficiency and relationship management**.
**The digital wealth & investment management revolution** only makes sense if it generates value for the customer in terms of a digital alpha across an end-to-end investment experience.
## Event Information
26th November 2019
Meet us at our booth or [book a meeting here.]()
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---
### [Private Banking Awards 201926 Novembre 2019](https://objectway.com/objectway-premia-la-categoria-innovazione-nel-wealth-management/)
**Published:** November 29, 2019
**Author:** Alessandro Rocco
**Content:**
# Private Banking Awards 2019
26 Novembre 2019 – Objectway premia la categoria “Innovazione nel wealth management” in occasione della quarta edizione del Private Banking Awards.
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## Agenda
26 Novembre 2019
BFCmedia, editrice dei mensili Forbes, Bluerating, Private, Asset Class e COSMO, ha conferito i premi della **quarta edizione del Private Banking Awards**. La kermesse milanese ha avuto luogo a **Palazzo Mezzanotte** e ha celebrato i migliori protagonisti del mercato italiano davanti a oltre 200 top manager delle principali realtà italiane e internazionali legate ai mondi del **Private Banking e del Wealth Management**.
Objectway ha premiato l’innovazione, in linea con il proprio obiettivo di facilitarne l’adozione per aiutare il settore della finanza a gestire in modo più efficiente, produttivo e performante gli investimenti e il patrimonio dei clienti.
Per Objectway, **“innovazione”** è una parola concreta, che va calata e personalizzata sulle specifiche esigenze e sull’identità distintiva di ogni istituzione finanziaria, con l’obiettivo di generare extra-performance: ciò che Objectway definisce **“Digital Alfa”**.
## Event Information
26 Novembre 2019, Palazzo Mezzanotte, Piazza degli Affari 6, Milano
Per rivedere la video intervista **[clicca qui]("https://youtu.be/unvjyXidNWo)**.
## Speaker
Luigi Marciano
Luigi is Objectway’s founder, CEO group and major shareholder. As visionary entrepreneur, he has dedicated his career to power the investment service business by technology innovation. He has successfully consolidated Objectway’s leadership in the wealth and asset management industry internationally, creating a technology platform, which enables customers to digitally evolve their business and deliver higher performances. Luigi holds a master’s degree in Nuclear Engineering from the University of Pisa.
## Sign Up for our Newsletter
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---
### [Breakfast Briefing “The wealth management firm of 2025”1st April 2020](https://objectway.com/breakfast-briefing-the-wealth-management-firm-of-2025/)
**Published:** February 4, 2020
**Author:** Alessandro Rocco
**Excerpt:** During the briefing we will share the trends emerging from interviews to UK’s largest wealth and discretionary investment managers
**Content:**
# Breakfast Briefing – The wealth management firm of 2025
1st April 2020 – Objectway and Goodacre are delighted to set the next instalment in our series of popular Breakfast Briefings focused on the wealth management firm of 2025.
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[LinkLinkLink >](https://objectway.com/who-we-serve/?lang=en)
## Agenda
1st April 2020
8:30am – 11:00am
The Wealth Management firm of 2025
Objectway and Goodacre
During the briefing we will be exploring the current and future trends of the Wealth Management industry. We will share the results of the exclusive report **[The wealth management firm of 2025]("https://objectway.com/download-research-objectway-compeer-the-wealth-management-firm-of-2025/)** set with over 20 Senior Executives from some of the **UK’s largest wealth and discretionary investment managers**, to understand the key issues facing UK firms, the improvements required and how they believe industry will evolve over the next five years.
Among the topics highlighted in the report:
- automation wherever it adds value and efficiency, whilst implementing software solutions that work in synergy;
- the need for CRM to evolve into a client management system covering on-boarding, re-boarding, client reviews;
- the integration with front-end tools and back-offices systems;
- the cloud, security, and outsourcing in the future.
## Event Information
1st April 2020, M Restaurant 2-3 Threadneedle walk, 60 Threadneedle Street, London
Attendance is strictly by invitation only and the Chatham House rule applies. There are no charges involved and the event qualifies for 1 Hour of certificated CPD.
Meet us at our booth or [book a meeting here.]()
## Sign Up for our Newsletter
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---
### [Digital Integration in Wealth Management 20204th March 2020](https://objectway.com/digital-integration-in-wealth-management-2020/)
**Published:** February 28, 2020
**Author:** Alessandro Rocco
**Excerpt:** Focus on digital tools and process to meet cross generational needs, tailored to the nature of your Financial Advisory firm and your customers as Investors
**Content:**
# Digital Integration in Wealth Management
4th | 5th March 2020 – Attend the Digital Integration in Wealth Management conference which will offer a strong focus on digital tools and process that can be implemented to meet cross generational needs, tailored to the nature of your firm and clientele.
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## Agenda
4th March 2020
3:45pm
How to generate value across an end-to-end digital investment experience
Objectway and KBC Bank Ireland
Objectway, sponsor of conference, is delighted to announce that it will share the stage with its client KBC Bank Ireland.
Don’t miss Objectway snapshot on “How to generate value across an end-to-end digital investment experience” , where we will be discussing how traditional boundaries of financial services are changing and why today’s customers do not evaluate an advisory service only in terms of alpha investment performance, but they are strongly influenced by a number of other elements that belong to the new digital alpha, such as, solid investment strategies, advisor’s efficiency and relationship management.
Key themes that will be addressed include:
- the rise of AI technology;
- roboadvisors;
- changing client demographics;
- digital transformation within wealth management and private banking.
Finally, **Vincent Keogh, KBC Head of Investment Products and Dara O’Brien, KBC Investment Specialist** will deliver a business case on “KBC Bank Ireland Investment Journey”.
## Event Information
4th March 2020, Hilton London Metropole
Meet us at our booth or [book a meeting here.]()
## Sign Up for our Newsletter
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---
### [The Wealth Management Firm of 2025 – Join the Webinar!23rd April 2020](https://objectway.com/the-wealth-management-firm-of-2025-join-the-webinar/)
**Published:** March 27, 2020
**Author:** Alessandro Rocco
**Excerpt:** Don’t miss the first session, co-presented with Compeer, focusing on the results of the exclusive report “The Wealth Management firm of 2025”.
**Content:**
# The Wealth Management Firm of 2025
23rd April 2020 – Attend the webinar to understand the key issues firms are currently facing, where improvements are required and how the Wealth Mangers believe the industry will adapt and evolve over the next five years.
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## Agenda
23rd April 2020
4:00pm – 5:00pm
The wealth management firm of 2025
Objectway and Compeer
Objectway is delighted to introduce **“Thursdays with Objectway”**, the new webinar series where our team will cover the industry hot topics and trends.
Don’t miss the first session, **co-presented with Compeer**, focusing on the results of the exclusive report **[The wealth management firm of 2025]("https://objectway.com/download-research-objectway-compeer-the-wealth-management-firm-of-2025/)**.
Compeer, the specialist in business performance benchmarking & bespoke research for the wealth management industry, working in association with Objectway, hosted a **series of workshops** with over 20 Senior Executives from Wealth Managers, with expertise in business strategy, operations, marketing and technology.
During the webinar we will be exploring the following topics:
- Automation wherever it adds value and efficiency, whilst implementing **software solutions** that work in synergy;
- **The need for CRM to evolve into a client management system** covering on-boarding, re-boarding, client reviews;
- The integration with front-end tools and back-offices systems;
- The cloud, security, and outsourcing in the future.
## Webinar Information
23rd April 2020
The session is reserved for financial institutions only.
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---
### [Previdenza, Protezione, IDD28 Maggio 2020](https://objectway.com/previdenza-protezione-idd/)
**Published:** April 30, 2020
**Author:** Alessandro Rocco
**Excerpt:** Analisi e Copertura dei bisogni della Persona, della Famiglia e delle PMI nel rispetto della normativa IID
**Content:**
# Previdenza, Protezione, IDD
28 Maggio 2020 | 24 Giugno 2020 – Objectway e Epheso illustreranno in due differenti sessioni di webinar online cosa possono fare per supportare le vostre esigenze in ambito IDD.
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## Agenda
28 Maggio 2020
15:00 – 15:45
Analisi e Copertura dei bisogni della Persona, della Famiglia e delle PMI nel rispetto della normativa IDD
Michele Tanzi, Market Solution Director, Objectway
Nicola Pepè, Business Development Manager, Objectway
Alberto Cauzzi, CEO & Owner, Epheso srl
La Direttiva IDD introduce molte **tutele per il cliente finale** e di conseguenza una serie di obblighi per i distributori. Pone dunque delle maggiori responsabilità per chi si occupa di distribuire i prodotti assicurativi, siano esse società o intermediari.
La normativa IDD riguarda alcuni aspetti molto importanti, tra cui:
- **Consulenza obbligatoria per i prodotti IBIP complessi**
- Dichiarazione di rispondenza alle esigenze e richieste (ovvero un documento che attesti perché il prodotto selezionato è adatto al cliente)
- **Informativa pre-contrattuale semplificata**
- Documento su costi e rendimenti
- **Incentivi ai broker**
- Formazione e aggiornamento degli operatori
24 Giugno 2020
15:00 – 15:45
**La IDD (Insurance Distribution Directive) è entrata in vigore il 1 ottobre 2018** e contribuisce alla creazione di un nuovo framework a supporto della distribuzione dei prodotti assicurativi. L’obiettivo della IDD è **mettere il cliente al centro dei processi di governance** e di distribuzione dei prodotti assicurativi garantendo un innalzamento della tutela del cliente.
Uno degli elementi distintivi della IDD è la sua applicazione a tutti i soggetti parte della **filiera della distribuzione dei prodotti assicurativi.**
Objectway ed Epheso hanno realizzato una **soluzione IDD compliant** che, partendo da un’analisi olistica dei bisogni della famiglia e delle PMI, supporta consulenti ed agenti nella distribuzione dei prodotti assicurativi.
## Webinar Information
Prima Sessione, 28 Maggio 2020
Seconda Sessione, 24 Giugno 2020
Saremo lieti di approfondire le nostre soluzioni per rispondere al meglio alle vostre esigenze. Per ulteriori informazioni [clicca qui.]()
## Speaker
Michele Tanzi
Laureato in Informatica presso l’università degli studi di Bari, si specializza da subito nell’analisi e nella progettazione di sistemi software per la finanza e per il trading on line. Nel 2003 entra in Objectway, dove realizza subito un innovativo e complesso progetto di private wealth management. Dal 2011 è Client Solutions Director, sviluppa e supporta piattaforme software per i processi di consulenza finanziaria multicanale e personal financial planning.
Nicola Pepè
Laureato in Ingegneria elettronica e delle telecomunicazioni, Nicola lavora per Objectway da più di dieci e a partire dal 2019 ricopre il ruolo di Senior Manager Business Development. Supporto al cliente, analisi della concorrenza e gestione delle differenti fasi di rilascio e sviluppo delle principali piattaforme operative, sono solo alcuni degli ambiti in cui Nicola opera. A ciò si aggiunge infatti la definizione della copertura delle capability e la descrizione della roadmap evolutiva che porta allo sviluppo strategico del portafoglio prodotti.
Alberto Cauzzi
Amministratore Delegato di Epheso, è esperto della materia assicurativa e previdenziale. Ha lavorato come consulente per la maggior parte delle compagnie di assicurazione italiane, banche e società di distribuzione di prodotti finanziari. Ha contribuito alla realizzazione di strumenti informatici di supporto alla vendita di prodotti assicurativi e finanziari collaborando sia nell’aspetto commerciale che nella realizzazione informatica nonché nella modellazione algoritmica.
## Sign Up for our Newsletter
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---
### [Creating Digital Alpha - Objectway sponsor at the Securities Industry Conference2nd October 2020](https://objectway.com/creating-digital-alpha-objectway-sponsor-at-the-securities-industry-conference/)
**Published:** September 21, 2020
**Author:** Alessandro Rocco
**Content:**
# Objectway sponsor at the Securities Industry Conference
2nd October 2020 – The SIC brings together some of the best and brightest speakers in the sector to discuss the issues that matter most.
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## Agenda
2nd October 2020
9:30am – 1:30pm BST
Creating Digital Alpha
Objectway sponsors the Goodacre Securities Industry Conference
Objectway will take the virtual stage at 11:05am BST, presenting on the generation of **Digital Alpha thanks to Augmented Intelligence** empowering human expertise to get optimised, suitable and personalised investment proposals.
Indeed, during the conference Objectway will discuss examples in the industry of **[firms who have successfully managed to grow at scale](https://objectway.com/download-case-study-how-to-become-a-leading-digitally-enabled-wealth-manager/)** post digital transformation.
## Event Information
2nd October 2020
For more information on Objectway and its proposition, meet the Objectway team or [contact us.]()
The SIC is free of charge for senior level individuals representing regulated investment companies. The conference will qualify for 4 hours of CPD.
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**Categories:** Event
**Tags:** UK
---
### [Smart technology drives smart transformation29th October 2020](https://objectway.com/smart-technology-drives-smart-transformation/)
**Published:** October 6, 2020
**Author:** Lorenzo Noventa
**Excerpt:** How to apply algorithms and AI for empowering human governance, driving investment decisions, and reducing risk exposure.
**Content:**
# Objectway webinar: smart technology drives smart transformation
29th October 2020 – Objectway invites you to join our webinar on how Smart Technology can drive a Smart Transformation to become more profitable and effective in serving clients.
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[LinkLinkLink >](https://objectway.com/who-we-serve/?lang=en)
[LinkLinkLink >](https://objectway.com/who-we-serve/?lang=en)
## Agenda
29th October 2020
4:00pm – 4:30pm
Smart technology drives smart transformation in wealth management
Objectway
The use of algorithms and AI can strongly **empower human governance** driving investment decisions and **reducing risk exposure**.
By generating value throughout the investment experience, you can better serve clients, **secure customer relationships** and accelerate your company’s growth.
Why should you attend?
During the webinar you’ll find out how to generate value by using:
- Intelligent algorithms
- Smart data
- High-touch tools for customisation
- Digital interaction
## Webinar Information
29th October 2020
The session is reserved for financial institutions only.
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
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---
### [Risk & ESG - Portafogli diversificati e sostenibili4 Novembre 2020](https://objectway.com/4-novembre-2020risk-esg-portafogli-diversificati-e-sostenibili/)
**Published:** October 15, 2020
**Author:** Lorenzo Noventa
**Excerpt:** Objectway e Confluence vi mostreranno come costruire, analizzare e monitorare portafogli risk aware integrando l’analisi ESG.
**Content:**
# Risk & ESG: portafogli diversificati e sostenibili
4 Novembre 2020 – Nel corso di questo webinar, Objectway e Confluence vi mostreranno come costruire, analizzare e monitorare portafogli risk aware integrando l’analisi ESG.
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[LinkLinkLink >](https://objectway.com/who-we-serve/?lang=en)
## Agenda
4 Novembre 2020
15:00 – 15:45 CET
L’importanza di effettuare investimenti risk aware e sostenibili
Michele Tanzi, Market Solution Director, Objectway
Una completa soluzione end-to-end per generare extra rendimento
Michele Pennacchio, Senior Business Consultant, Objectway
La metodologia dietro il calcolo dei Risk & ESG factors
Elena Giancaspro, Business Development Executive, Confluence
Michele Calcaterra, ECPI Director, Confluence
Tuttavia il concetto di sostenibilità non rappresenta solo un criterio aggiuntivo utilizzabile liberamente nella valutazione di un investimento, ma è soggetta a specifici dettami normativi, quali:
- l’introduzione di nuovi obblighi di disclosure in capo agli intermediari in merito alle modalità adottate per **l’integrazione dei fattori di sostenibilità** nelle scelte di investimento e nell’attività di consulenza;
- l’introduzione dell’obbligo di tenere conto delle preferenze della clientela in materia di **investimenti sostenibili** nella prestazione dei servizi di investimento e nella distribuzione di IBIP, anche in relazione alla valutazione di adeguatezza.
## Webinar Information
4 Novembre 2020
Il webinar è riservato alle istituzioni finanziarie.
## Speaker
Michele Tanzi
Laureato in Informatica presso l’università degli studi di Bari, si specializza da subito nell’analisi e nella progettazione di sistemi software per la finanza e per il trading on line. Nel 2003 entra in Objectway, dove realizza subito un innovativo e complesso progetto di private wealth management. Dal 2011 è Client Solutions Director, sviluppa e supporta piattaforme software per i processi di consulenza finanziaria multicanale e personal financial planning.
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---
### [PMAC 2020 National Conference17th November 2020](https://objectway.com/pmac-2020-national-conference-17-november/)
**Published:** November 10, 2020
**Author:** Alessandro Rocco
**Content:**
# Objectway at PMAC 2020 National Conference
17th November 2020 – Objectway is proudly supporting as Gold Sponsor the PMAC 2020 National Conference.
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## Agenda
17th November 2020
Hindsight is 2020: The Year in Review and What Lies Ahead
Objectway
An exceptional line-up of world class thought leaders will be discussing global issues and their impact on your business.
We look forward to host you at our virtual booth to listen to your challenges and discover **how our wealth management solutions will help you stay at the forefront of your industry** in these challenging times. Strengthening compliance and mitigating risks
Key facts and figures:
- 7 out of 10 advisors claim high impact of Covid-19 on engaging prospects, but only 15% of them received effective digital solutions to manage them
- UHNWs use advisor video collaboration tools and apps 3 times more than mass affluent and 2 times more than HNWs
- HNWs and UHNW indicate they are extremely confident in technology use 50% more than mass affluents
## Event Information
17th November 2020
Discover the digital solutions for advisors and wealth managers productivity at Objectway booth.
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### [Unlock your Business Growth with Hyper-Personalisation15th June 2021](https://objectway.com/unlock-your-business-growth-with-hyper-personalisation/)
**Published:** May 28, 2021
**Author:** Lorenzo Noventa
**Excerpt:** Learn how to match traditional channel conversion of more than 80% in a digital setting
**Content:**
# Unlock your business growth with hyper-personalisation
15th June 2021 – How to match traditional channel conversion of more than 80% in a digital setting? Objectway and EveryoneINVESTED will reveal you how to get it.
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## Did you miss it? Fill in the form and watch the recording!
I have read and agree with the [Privacy Policy & Terms of Use](/privacy/)
Your brand company
## Agenda
15th June 2021
3:00pm – 3:45pm
Unlock your business growth with hyper-personalisation
Objectway and EveryoneINVESTED
It’s time to rethink your investor journey and exceed customer expectations.
Turn the legal must-do part of **your onboarding process** into a commercial weapon through hyper-personalisation.
**Leverage investor risk profiling, gamification and behavioural technology** to boost conversion of digital onboarding processes and enable superior advice for a long-term relationship.
Each interaction with your client enriches your knowledge of that person. Personal information and client’s preferences should be captured across the whole **client journey**, at all different touch points. The webinar will take into consideration the following topics:
- Client profiling
- Risk profiling
- Investment proposal
## Webinar Information
15th June 2021
Meet us at our booth or [book a meeting here.]()
## Speaker
Kurt Vanhee
With a professional career of nearly 30 years in various roles in large and medium size banking and IT organizations, Kurt has built a strong knowledge of Wealth Management, IT, Customer Delivery and Business Development activities in an international environment. In his current position at Objectway, as Managing Director Continental Europe & North America, he encourages a customer-centric approach.
## Related
[All](#)[\#customerexperience](#)[\#digitaltransformation](#)[\#financialservices](#)[\#innovation](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
[Studie: Veraltete Technologie bremst Wachstum bei Instituten](https://objectway.com/studie-veraltete-technologie-bremst-wachstum-bei-instituten/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Studie: Veraltete Technologie bremst Wachstum bei Instituten
4 September 2026
## Sign Up for our Newsletter
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**Categories:** Webinar
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---
### [Senior Leaders Forum ESG with Compeer 9th June 2021](https://objectway.com/senior-leaders-forum-esg-9-june/)
**Published:** June 4, 2021
**Author:** Alessandro Rocco
**Excerpt:** Understand how UK wealth management firms can deal with the opportunities and challenges associated with ESG investing.
**Content:**
# Senior Leaders Forum ESG
9th June 2021 – Objectway is excited to announce that they and Compeer will jointly host a series of ESG forums for senior wealth managers
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## Agenda
9th June 2021
ESG: A major differentiator of wealth management firms
Tariq Khan, Client Development Director
In response to the significant level of interest in ESG, Objectway together with Compeer, hosts the Senior Leaders Forum-ESG, dedicated to UK wealth management firms to better understand the opportunities and challenges associated with ESG investing.
The objectives are for peers to discuss the main challenges, and share insights on potential solutions and best practice.
The Senior Leaders ESG Forum will continue to serve as a platform for Wealth Management firms to exchange ideas, shape thought leadership and help define industry best practise. Compeer and Objectway will host quarterly meetings with a research led focus covering ESG and other emerging relevant topics in further detail.
## Webinar Information
9th June 2021
## Speaker
Tariq Khan
Tariq is Client Development Director at Objectway – global player offering end-to-end digital-ready solutions for Wealth, Bank & Asset Managers. Tariq has been working with UK wealth managers for over 10 years, with a focus on digital transformation, advising firms on how they can make the most of digital solutions in order to improve their client experience, operational efficiency, and become future ready.
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**Categories:** Event
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---
### [Wealth Management the yearly review 202124th June 2021](https://objectway.com/wealth-management-the-yearly-review-2021/)
**Published:** June 22, 2021
**Author:** Lorenzo Noventa
**Excerpt:** Learn about Inefficient IT and Operations, what is hyper personalisation, and mitigate touchpoints vulnerability against FAANGS
**Content:**
# Wealth Management: the yearly review 2021
24th June 2021 – During Compeer’s webinar, Objectway will provide insights on how to gain tangible customer and shareholder value by digitizing wealth management
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## Agenda
24th June 2021
4:00pm – 5:15pm
Yearly Review of Wealth Management
Tariq Khan, Client Development Director
Multiple industries are fearing for their future, unable to adapt to unforeseeable conditions. However, how has the UK wealth management industry fared?
The industry was a picture of health prior to the pandemic, continuously breaking records in business performance measures such as assets, revenues and profits. It has shown exceptional resilience in the past, and 2020, to its credit, has continued in this manner.
As firms embraced working from home and focussed on digital enhancements, they have overcome the disruption caused by market turmoil in the first half of the year. Find out these results in detail at Compeer’s upcoming Yearly Review webinar, as we take a look back at all of the key trends following our in-depth review of business performance of 160+ wealth managers, private banks and execution only stockbrokers.
The presentation will look more closely at challenges in the next normal:
- Inefficient IT and Operations
- Gaining an edge through hyper personalisation
- Vulnerable touchpoints against FAANGS
## Webinar Information
Thursday, 24th June 2021
There is no charge for this webinar for representatives of wealth management firms and private banks. CPD certificates will be issued by Compeer after the webinar.
[REGISTER NOW](https://compeer.co.uk/event/wealth-management-the-yearly-review-2021/)
## Speaker
Tariq Khan
Tariq is Client Development Director at Objectway – global player offering end-to-end digital-ready solutions for Wealth, Bank & Asset Managers. Tariq has been working with UK wealth managers for over 10 years, with a focus on digital transformation, advising firms on how they can make the most of digital solutions in order to improve their client experience, operational efficiency, and become future ready.
## Related
[All](#)[\#compeer](#)[\#financialservices](#)[\#wealth-management](#)[\#wealthtech](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
[Studie: Veraltete Technologie bremst Wachstum bei Instituten](https://objectway.com/studie-veraltete-technologie-bremst-wachstum-bei-instituten/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Studie: Veraltete Technologie bremst Wachstum bei Instituten
4 September 2026
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**Categories:** Webinar
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---
### [Objectway a #SDR2115th Settembre 2021](https://objectway.com/objectway-a-sdr21/)
**Published:** July 14, 2021
**Author:** Lorenzo Noventa
**Excerpt:** Doppia vittoria per la WealthTech Suite di Objectway ai XCelent Awards 2020 “Breadth of Functionality” e “Client Base” nel report di Celent pubblicato a ottobre
**Content:**
# Objectway a #SDR21
15 Settembre 2021 – Objectway partecipa al Salone del Risparmio 2021 insieme a Cassa Lombarda e PKB PrivatBank
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## Agenda
15 Settembre 2021
9:00am
Innovazione nei Servizi Cross Border per il Private Banking
Objectway, Cassa Lombarda e PKB PrivatBank
Dalla liquidità all’innovazione, passando per la sostenibilità, con un unico traguardo: la ripartenza del Paese.
Ecco cosa c’è in programma al Salone del Risparmio 2021.
Le crescenti esigenze della clientela High Net Worth e Ultra High Net Worth fiscalmente residente in Italia richiedono anche la costruzione di un’offerta integrata di servizi finanziari e bancari cross border che abiliti la capacità di prestare i servizi di investimento in Italia con detenzione degli asset all’estero, per finalità di diversificazione dei rischi nel pieno rispetto delle indicazioni degli Enti Regolatori e degli Organi di Vigilanza.
Nell’incontro illustreremo come **Cassa Lombarda e PKB Privatbank**, con l’importante contributo di Objectway, stanno sviluppando un nuovo Target Operating Model a supporto dei servizi di consulenza e gestione patrimoniale, confrontandoci sulle sfide che è stato necessario affrontare per rispondere alle necessità regolamentari, organizzative e di integrazione tecnologica.
## Event Information
15 Settmbre 2021, MiCo Milano, Via Gattamelata, 5 – Milano
Per iscriversi alla conferenza, è necessario essere registrati al sito del Salone del Risparmio. La Sala ha capienza limitata.
Le conferenze in presenza saranno trasmesse anche in streaming.
Per maggiori informazioni [clicca qui.]()
[ISCRIVITI](https://www.salonedelrisparmio.com/area-riservata/#/?sendRedirect=%2Fconferences%3Fid%3D831)
## Speaker
Gianbattista Geroldi
Gianbattista leads Objectway’s Italian business and is part of the board of directors of the group, as CEO Italy. With more than 20 years of experience in the financial services industry, Gianbattista held senior management position in investment service software company before joining Objectway. He has successfully driven the operation and sales of several business across the wealth and asset management industry, consolidating the leadership of Objectway’s solutions in the Italian market.
Nicola Pepè
Master Degree in Electronic and Telecommunications Engineering, Nicola has been working for Objectway for more than ten years and in 2019 he became Senior Manager Business Development. Customer support, competition analysis and management of the different phases of release and development of the main operating platforms, are just some of the areas where Nicola operates.
Filippo Casolari
In 2017 Filippo Casolari was appointed as Cassa Lombarda Deputy General Manager. Graduated in Political Economy with specialization in financial markets achieved at the University of Trento, Filippo Casolari began his career in 1999 at Credem. Over the years, Filippo has strenghten his knowledge and career in the world of organizational planning, revision of the product lines of asset management and business development model.
Luca Venturini
Luca is PKB PrivatBank CEO from January 2020. After several years of experience in the world of wealth management, he held various positions of operational responsibility that led him to become CEO of Edmond de Rothschild (Lugano) SA and subsequently CEO and head of Private Banking of Edmond de Rothschild (Switzerland) SA.
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### [Objectway Sponsor alla prima edizione del Wealth Management Forum25th Novembre 2022](https://objectway.com/objectway-sponsor-alla-prima-edizione-del-wealth-management-forum/)
**Published:** November 22, 2021
**Author:** Lorenzo Noventa
**Excerpt:** Objectway Sponsor alla prima edizione del Wealth Management Forum
**Content:**
# Objectway Sponsor alla prima edizione del Wealth Management Forum
25 Novembre 2021 – Scopri di più sulle tematiche di cui si è parlato all’evento Wealth Management Forum promosso da ABI Eventi
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## Agenda
25 Novembre 2021
2:30pm – 3:20pm
Robo for Advisor: la sofisticazione resa semplice
Michele Tanzi, Market Solution Director Objectway e Marco Zaffaroni, Direttore Centrale Operations CheBanca!
Offrire un servizio digitale cliente-centrico tramite strumenti e App di nuova generazione è fondamentale, ma la naturale evoluzione dell’approccio attuale contempla anche processi full digital bidirezionali, che consentano alla rete di consulenti di collaborare con le strutture centrali, potenziando le eccellenze interne della banca e offrendo al cliente tutti i benefici di una realtà moderna e capace di fare consulenza.
Come raggiungere questo obiettivo?
Tramite strumenti di Robo for Advisor che rendono semplice la sofisticazione e garantiscono ai consulenti finanziari scenari di analisi personalizzati su tutti i propri clienti, insieme ad idee, opportunità e proposte di investimento ad hoc sulla base dei reali bisogni e feedback del cliente finale.
## Webinar Information
25 Novembre 2021
[RIVEDI IL WEBINAR](https://www.youtube.com/watch?v=oqvUxBftn6k)
## Speaker
Michele Tanzi
Graduated in Computer Science at the University of Bari, he immediately specialized in the analysis and design of software systems for finance and online trading. In 2003 he joined Objectway, where he immediately realized an innovative and complex private wealth management project. Soon after the coordination of Private and Premier Banking projects in Italy and Europe, since 2011 he has been Product Director of the Advice platform. Today he is Market Solutions Director and, thanks to his many years of experience in processes and digital implementation in the field of multichannel financial consulting and personal financial planning, he leads the development of Objectway Wealth Management solutions and provides consulting support to customers for the implementation of solutions in these areas.
Marco Zaffaroni
He began his professional career as a consultant, and then landed in Citifin, consumer credit company of Citigroup, where he holds various roles in the IT field dealing with application development for the financial world and the management of debt collection platforms. In 1993 he joined Compass, a consumer credit company of the Mediobanca Banking Group and, among the main projects managed, he is responsible for replacing the entire management platform, the implementation of Business Intelligence and CRM platforms and integration with Linea S.p.A. (a company incorporated by Compass). In 2009 he held the role of COO assisting the integration between IT, Organization and Customer Operations in order to redefine the overall approach to the systematic improvement of customer management processes. He was a member of the Supervisory Board of Compass, CheBanca! and other companies of the Mediobanca group. He is currently Operations Director of CheBanca! (Mediobanca Group).
## Related
[All](#)[\#about-objectway](#)[\#client-relationship](#)[\#digital-advisory](#)[\#digitaltransformation](#)
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
[System in the City Fintech Awards 20264th June 2026 ](https://objectway.com/system-in-the-city-fintech-awards-2026/)[Event](https://objectway.com/category/event-glo/)### System in the City Fintech Awards 20264th June 2026
2 June 2026
[BEI St. Gallen Workshop 202620th – 22nd May 2026 ](https://objectway.com/bei-st-gallen-workshop-2026/)[Event](https://objectway.com/category/event-glo/)### BEI St. Gallen Workshop 202620th – 22nd May 2026
18 May 2026
[Digital Integration in Wealth Management Conference 202617th – 18th March 2026 ](https://objectway.com/digital-integration-in-wealth-management-conference-2026/)[Event](https://objectway.com/category/event-glo/)### Digital Integration in Wealth Management Conference 202617th – 18th March 2026
12 March 2026
## Sign Up for our Newsletter
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---
### [ESG beyond Equities - Objectway and Synechron15th March 2022](https://objectway.com/esg-beyond-equities-objectway-and-synechron/)
**Published:** March 1, 2022
**Author:** Lorenzo Noventa
**Excerpt:** Objectway and Synechron are pleased to invite you to attend the joint webinar “ESG beyond Equities” on March 15th at 2:00pm CET.
**Content:**
# ESG beyond Equities – Objectway and Synechron
15th March 2022 – ESG beyond equities: glimpse into the fund landscape. Find out more about Objectway and Synechron Webinar
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## Did you miss it? Fill in the form and watch the recording!
I have read and agree with the [Privacy Policy & Terms of Use](/privacy/)
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## Agenda
15th March 2022
2:00pm – 3:00pm CET
ESG beyond equities: glimpse into the fund landscape
Objectway and Synechron
In the last three years, the market has witnessed unprecedented growth in **sustainable funds**, both in terms of new issues and repurposing existing funds.
In 2021, for the first time ever the total inflow in sustainable funds exceeded the 500 billion USD mark. Despite phenomenal growth & renewed interest, the key question remains **how to embed ESG in the investment process** not only for equities but also for funds.
During this webinar, we will provide insights into adopting ESG with a particular focus on funds.
Key topics to be covered by the speakers:
- **ESG for funds**: landscape, performance, and challenges
- **How to embrace ESG for funds**
- Ways to handle **ESG in diversified portfolios**
- Showcase ESG in real software
## Webinar Information
Tuesday 15th March 2022
The session is reserved for industry professionals only.
Seats are limited and participation is subject to confirmation by the organisation.
## Speaker
Rajul Mittal
Rajul Mittal heads the Sustainable Finance & ESG practice at Synechron. He joined Synechron in 2009 and has since worked with various leading financial institutions in Europe. Rajul has been passionate about the broader topic of sustainability since his college days. At Synechron he has been one of the pioneers in Sustainable Finance and ESG capability building.
Gert-Jan Hoogendoorn
Gert-Jan Hoogendoorn leads Objectway’s Product Management team for the front office systems of Objectway. With more than 20 years of experience in the financial services industry, Gert-Jan is managing the product lifecycle of the WealthTech Suite solutions for the front office, offering a true value proposition to Objectway’s international markets.
## Related
[All](#)[\#client-relationship](#)[\#innovation](#)[\#privatebanking](#)[\#sustainability](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
[„Deutschland ist noch etwas altmodisch unterwegs“](https://objectway.com/abn-amro-und-hauck-aufhauser-lampe-fusionieren-zur-drittgrosten-privatbank-deutschlands/)[Article](https://objectway.com/category/article-genitore/article-glo/)### „Deutschland ist noch etwas altmodisch unterwegs“
4 August 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
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**Categories:** Webinar
**Tags:** GLO
---
### [The Banking Scene Amsterdam - #TBSCONF22AMS12th April 2022](https://objectway.com/the-banking-scene-amsterdam-tbsconf22ams/)
**Published:** April 8, 2022
**Author:** Lorenzo Noventa
**Excerpt:** Objectway is proud to sponsor The Banking Scene 2022 Amsterdam event. We look forward to meeting you at #TBSCONF22AMS. See you in Amsterdam!
**Content:**
# The Banking Scene Amsterdam – #TBSCONF22AMS
12th April 2022 – The program looks at transformation from both a technology and a more value-based and ethical point of view. With ESG as a driving force for change, banks are uniquely positioned to assist the shift to a fairer and greener future, accelerated by COVID-19.
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## Agenda
12th April 2022
The Banking Scene Amsterdam, A boutique conference
Objectway is proud to sponsor this event.
We look forward to meeting you, you will have the opportunity to learn more about how our WealthTech Suite can help firms become leading digitally-enabled wealth and investment managers, and how to recognise a true end-to-end Investment Management solution.
## Event Information
Tuesday, 12th April 2022, Eye Filmuseum, IJpromenade 1, 1031 KT Amsterdam
## Related
[All](#)[\#digital-change](#)[\#privatebanking](#)[\#TBSCONF23AMS](#)[\#TBSCONFLUX23](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
[„Deutschland ist noch etwas altmodisch unterwegs“](https://objectway.com/abn-amro-und-hauck-aufhauser-lampe-fusionieren-zur-drittgrosten-privatbank-deutschlands/)[Article](https://objectway.com/category/article-genitore/article-glo/)### „Deutschland ist noch etwas altmodisch unterwegs“
4 August 2026
## Sign Up for our Newsletter
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### [ESG as part of MiFID II: From client onboarding to advice and reporting21st April 2022](https://objectway.com/esg-as-part-of-mifid-ii-from-client-onboarding-to-advice-and-reporting/)
**Published:** April 11, 2022
**Author:** Lorenzo Noventa
**Excerpt:** Objectway, everyoneINVESTED and Synechron are pleased to invite you to attend the joint webinar “ESG as part of MiFID II” on April 21st at 2:00pm CET.
**Content:**
# ESG as part of MiFID II: From client onboarding to advice and reporting
21st April 2022 – During this webinar, our experts will provide insights into how to implement the updated MiFID II ESG regulation, and in turn ensuring maximum engagement from clients and compliancy for your business.
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## Did you miss it? Fill in the form and watch the recording!
I have read and agree with the [Privacy Policy & Terms of Use](/privacy/)
Your brand company
## Agenda
Thursday, 21st April 2022
2:00pm – 3:00pm
ESG as part of MiFID II: from client onboarding to advice and reporting
Objectway, everyoneINVESTED and Synechron
During this webinar, our experts will provide insights into how to implement **the updated MiFID II ESG regulation**, and in turn ensuring maximum engagement from clients and compliancy for your business.
Putting sustainability at the heart of the financial system is the ambitious goal of the **European Green Deal initiative** and immediately the cause for changes in MiFID II regulation. The many modifications go beyond financial advice and impact all financial market participants.
Key topics to be covered by the speakers:
- Onboarding: **capturing clients ESG preferences**
- Advice: **translating preferences into portfolios**
- Client Reporting: **ESG reporting for portfolio management**
## Webinar Information
Thursday, 21st April 2022
## Speaker
Gosia Fortuna
Gosia is Solutions Manager at everyoneINVESTED. She has 18 years of experience in various functions within the financial services industry and innovation teams. She is an expert at integrating behavioral technology in digital banking tools to turn clients into investors. Gosia contributed to the digital transformation of investment processes within KBC Group.
Rajul Mittal
Rajul Mittal heads the Sustainable Finance & ESG practice at Synechron. He joined Synechron in 2009 and has since worked with various leading financial institutions in Europe. Rajul has been passionate about the broader topic of sustainability since his college days. At Synechron he has been one of the pioneers in Sustainable Finance and ESG capability building.
Gert-Jan Hoogendoorn
Gert-Jan Hoogendoorn leads Objectway’s Product Management team for the front office systems of Objectway. With more than 20 years of experience in the financial services industry, Gert-Jan is managing the product lifecycle of the WealthTech Suite solutions for the front office, offering a true value proposition to Objectway’s international markets.
## Related
[All](#)[\#about-objectway](#)[\#innovation](#)[\#mifid2](#)[\#sustainability](#)
[Objectway wins eighth consecutive Goodacre Award for Best Wealth Management System](https://objectway.com/objectway-wins-eighth-consecutive-goodacre-award-for-best-wealth-management-system/)[Awards](https://objectway.com/category/article-genitore/awards-glo/)### Objectway wins eighth consecutive Goodacre Award for Best Wealth Management System
11 June 2026
[Leaders in Finance – Wealth Management Lunch23rd January 2026](https://objectway.com/leaders-in-finance-wealth-management-lunch/)[Event](https://objectway.com/category/event-glo/)### Leaders in Finance – Wealth Management Lunch23rd January 2026
20 January 2026
[Objectway recognised again for enabling digital transformation and resilience in financial services](https://objectway.com/objectway-recognised-again-for-enabling-digital-transformation-and-resilience-in-financial-services/)[Awards](https://objectway.com/category/article-genitore/awards-glo/)### Objectway recognised again for enabling digital transformation and resilience in financial services
8 July 2025
[Objectway celebrates twelfth consecutive Goodacre Award, driven by deep client trust and long-standing partnerships](https://objectway.com/objectway-celebrates-twelfth-consecutive-goodacre-award/)[Awards](https://objectway.com/category/article-genitore/awards-glo/)### Objectway celebrates twelfth consecutive Goodacre Award, driven by deep client trust and long-standing partnerships
1 July 2025
## Sign Up for our Newsletter
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**Categories:** Webinar
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---
### [2nd Edition Middle East WealthTech Forum 202230th May 2022](https://objectway.com/wealthtech-forum-2022-mena/)
**Published:** May 12, 2022
**Author:** Lorenzo Noventa
**Excerpt:** Digital transformation is driving the future of wealth and asset management: Objectway Platinum Sponsor at Middle East WealthTech Forum 2022
**Content:**
2nd edition middle east
wealthtech forum 2022
![]()
Platinum sponsor
# Build For The Future, Perform Today
The future is unexpected and change is inescapable, but you can cope with its unpredictability. Fill the digital gap and manage the unexpected. We enable you to maximize your performance now, with a strategic approach to get ready for the future.
[Learn More](#more)
Agenda
day 1 | 30th may 2022, monday
09:10 – 09:20
Welcome Address – Luigi Marciano, CEO Objectway Group
Welcome Remark by CEO Objectway Group
09:40 – 10:00
Unlocking the future potential from WealthTech: what will the successful WM firm of 2025 look like?
– Dr. Alexander Cassar, CBOO Objectway
- Ongoing Market Changes – wealth growth, changing demographics & institutions
- WealthTech is a game changer for the evolution of Wealth Management
- Strategic decisions to be made by vendors and users – specialisation vs universality
11:55 – 12:40
Panel discussion | Building long term client engagement with progressive customer experience – Tariq Ajmal Khan, Client Services Director
- How can wealth management firms and retail banks work with technology to improve D2C, or workplace distribution channels?
- Finding right balance of digital and human service to attract millennial audience?
- Best practices to retain the customer in today’s competitive world
Want to meet us in Dubai? Please [book your personal meeting](https://calendly.com/objectway/meetus) with the Team.
Speaker
Luigi Marciano
Luigi is Objectway’s founder, CEO group and major shareholder. As visionary entrepreneur, he has dedicated his career to power the investment service business by technology innovation.
He has successfully consolidated Objectway’s leadership in the wealth and asset management industry internationally, creating a technology platform, which enables customers to digitally evolve their business.
Dr. Alexander Cassar
Sandro is responsible for the improvement of the Group’s business operations. An accomplished professional with over 30 years experience delivering global large-scale transformation programmes and management at Board level in financial services. He is a chartered accountant with Doctorate and Masters degrees in strategic information systems for wealth and asset management.
Tariq Khan
Tariq Ajmal Khan is Director of Client services at Objectway. Much of his time is spent with board members discussing how they can become future ready with a scalable end to end solution. Tariq’s areas of expertise include consulting with clients on what good looks like in terms of improving operational efficiency and creating a business with a compelling proposition to attract growth and improve the client experience.
##### Clients in 15 countries
##### 200
+
##### Asset Under Management
##### 1 €T
+ €T
##### Employees representing 30
nationalities
##### 750
+
##### Years of Business Experience
##### 30
### Objectway is a Top 100 global FinTech provider in the Wealth & Investment Management Software Industry
[Learn More](/objectway-at-a-glance/)
Case Study
leveraging centralized cloud mifid II advisory
[](https://objectway.com/download-case-study-leveraging-centralized-cloud-mifid-ii-advisory/)
risk driven model portfolios management
[](https://objectway.com/download-case-study-risk-driven-model-portfolios-management/)
digitising clm to improve front-office efficiency
[](https://objectway.com/download-case-study-digitising-clm-to-improve-front-office-efficiency/)
**Categories:** Event
**Tags:** GLO
---
### [AM Tech Day Paris 20224th October 2022](https://objectway.com/am-tech-day-paris-2022/)
**Published:** September 23, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway is pleased to invite you to the 13th edition of AM Tech Day 2022, the pan-European event organised by L'Agefi
**Content:**
# Objectway at the AM Tech Day by L’Agefi
4th October 2022 – Objectway is pleased to invite you to the 13th edition of AM Tech Day 2022, the pan-European event organised by the leading media group for the financial services community in France.
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[LinkLinkLink >](https://objectway.com/who-we-serve/?lang=en)
[LinkLinkLink >](https://objectway.com/who-we-serve/?lang=en)
AM Tech Day 2022: Democratising investment, risk or opportunity
In this interview, Kurt Vanhee, Managing Director Central Europe Objectway, deepens the challenges that the current fast-changing scenario is experiencing due to more young and tech-savvy investors, new asset classes and the arising of investments’ democratisation.
## Agenda
4th October 2022
Democratising investment, risk or opportunity?
Kurt Vanhee, Managing Director Continental Europe & North America Objectway
Koen Goossens, Senior Client Solution Leader Objectway
Supporting democratised investing requires developing new services to offer and expanding the client journey. Are asset managers and private banks prepared to take up this challenge?
Visit us at booth no. 15 and:
- learn how we supported our client’s positioning strategy as a **market innovator in investment services**, by democratising their wealth offering;
- discover our **brand-new investor and distributor portal for alternative investment management**, presented exclusively on this occasion.
## Event Information
Tuesday, 4th October 2022, Palais Brongniart, 16 Place de la Bourse, 75002 Paris
Meet us at our booth and **[register now](https://amtechday2022.eventmaker.io/inscription-participant)** with our **guest code INVIT22!**
We’re looking forward to meeting you in Paris!
## Conference Delegates
Kurt Vanhee
With a professional career of nearly 30 years in various roles in large and medium size banking and IT organizations, Kurt has built a strong knowledge of Wealth Management, IT, Customer Delivery and Business Development activities in an international environment. In his current position at Objectway, as Managing Director Continental Europe & North America, he encourages a customer-centric approach.
Koen Goossens
Koen holds a master’s degree in Business Economics, specialised in Information Technology. He has been working in the banking industry for over 30 years, more specifically in the securities area. In his current position of Senior Client Solution Leader at Objectway, Koen provides presales product demonstrations and workshops.
## Related
[All](#)[\#amtechday](#)[\#financialservices](#)[\#sponsor](#)[\#wealth-management-trends](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
[Studie: Veraltete Technologie bremst Wachstum bei Instituten](https://objectway.com/studie-veraltete-technologie-bremst-wachstum-bei-instituten/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Studie: Veraltete Technologie bremst Wachstum bei Instituten
4 September 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
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---
### [Digital Integration in Wealth Management Switzerland5th October 2022](https://objectway.com/digital-integration-in-wealth-management-arena-event-2022/)
**Published:** September 26, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will take part to the Digital Integration in Wealth Management event in Zurich on the 5th and 6th of October
**Content:**
# Objectway sponsors at Digital Integration in Wealth Management Conference 2022
5th | 6th October 2022 – Objectway will take part to the Digital Integration in Wealth Management event in Zurich on the 5th and 6th of October. Meet us at our booth and register here.
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[LinkLinkLink >](https://objectway.com/who-we-serve/?lang=en)
[LinkLinkLink >](https://objectway.com/who-we-serve/?lang=en)
## Agenda
5th October 2022
10:30am
The keys of Success of Digital Evolution and the Lessons Learned
Karl im Brahm, CEO Dach Region Objectway
Ramazan Celiköz, Director Sales and Business Development
Objectway is delighted to invite you to the **Digital Integration in wealth management Switzerland Conference** that brings together digital leaders from private banks and wealth management firms to provide a roadmap for the integration of digital tools in their offers.
The speech will go deepen the chance of **wealth firms** to improve through digitalisation, showcasing a real case study.
Here the main keypoints:
- **Digital skills and digitalisation**
- What improvement do **wealth firms and clients want from digital?**
- Real case study: what can firms achieve through **digitalisation?**
## Event Information
5th – 6th October 2022, Mövenpick Hotel Zürich Regensdorf, Zurich
Meet us at our booth and **[Register here!](https://arena-international.com/wealthswiss/)**
We’re looking forward to meeting you in Zurich!
## Speaker
Karl im Brahm
Karl leads the Objectway German-speaking private banking and wealth management markets, as part of its long-term growth strategy for the region. Moreover, he is responsible for the Banking Practice at group level. He brings more than 28 years of experience in the banking sector with significant expertise in leading digital transformation.
Ramazan Celiköz
Ramazan is Director Sales and Business Development. Digitalization of advisory processes, implementation of core banking and out-sourcing solutions (Saas & BPaaS) are his main areas of expertise.
## Related
[All](#)[\#amtechday](#)[\#customerexperience](#)[\#digitaltransformation](#)[\#wealth-management](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
[Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen](https://objectway.com/skalierungslucke-warum-ki-investitionen-an-der-kundenschnittstelle-verpuffen/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen
4 August 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
Only corporate email, pleaseFirst NameLast NameCountry
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**Categories:** Event
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---
### [Global WealthTech Summit 20222nd November 2022](https://objectway.com/objectway-at-global-wealthtech-summit-2022/)
**Published:** October 25, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will take part as sponsor and with a panel hosted by Tariq Khan at theGlobal WealthTech Summit in London.
**Content:**
# Objectway sponsor at the 5th annual Global WealthTech Summit
2nd November 2022 – Objectway will join the event providing latest insights and innovations for investment leaders and wealth management experts.
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[LinkLinkLink >](https://objectway.com/who-we-serve/?lang=en)
[LinkLinkLink >](https://objectway.com/who-we-serve/?lang=en)
## Agenda
2nd November 2022
11:00 – 11:45am
What is the role of technology in navigating the transition to a customer-centric business model and more efficient banking?
Tariq Khan, Business Development Director Objectway
During the panel discussion, **Tariq Khan** will deepen some important themes that will shape the role of technology in the customer experience journey:
- How can firms best prepare asset/wealth managers to transition to and sustain a **customer-centric business model?**
- How can firms ensure they are building **next-generation platforms** that deliver an exceptional customer experience?
- What key digital tools are needed to satisfy the demand for **hyper-personalised services?**
- What areas of friction **next-generation customers** refuse to tolerate can be solved with technology?
## Event Information
2nd November 2022, St. Paul’s, London
Meet us at our booth and **[Register here!](https://fintech.global/globalwealthtechsummit/)**
We’re looking forward to meeting you in London!
## Speaker
Tariq Khan
Tariq is Client Development Director at Objectway – global player offering end-to-end digital-ready solutions for Wealth, Bank & Asset Managers. Tariq has been working with UK wealth managers for over 10 years, with a focus on digital transformation, advising firms on how they can make the most of digital solutions in order to improve their client experience, operational efficiency, and become future ready.
## Related
[All](#)[\#digitaltransformation](#)[\#wealth-management](#)[\#wealthtech](#)[\#wealthtechdaylux](#)
[„Deutschland ist noch etwas altmodisch unterwegs“](https://objectway.com/abn-amro-und-hauck-aufhauser-lampe-fusionieren-zur-drittgrosten-privatbank-deutschlands/)[Article](https://objectway.com/category/article-genitore/article-glo/)### „Deutschland ist noch etwas altmodisch unterwegs“
4 August 2026
[Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen](https://objectway.com/skalierungslucke-warum-ki-investitionen-an-der-kundenschnittstelle-verpuffen/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Skalierungslücke – Warum KI-Investitionen an der Kundenschnittstelle verpuffen
4 August 2026
[OWIN26: as-a-service e AI per trasformare la complessità in efficienza](https://objectway.com/owin26-as-a-service-e-ai-per-trasformare-la-complessita-in-efficienza/)[Article](https://objectway.com/category/article-genitore/article-glo/)### OWIN26: as-a-service e AI per trasformare la complessità in efficienza
8 July 2026
[Intelligenza artificiale e wealth management: la sfida è trasformare l’innovazione in valore](https://objectway.com/intelligenza-artificiale-wealth-management-trasformare-innovazione-valore/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Intelligenza artificiale e wealth management: la sfida è trasformare l’innovazione in valore
3 July 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway.
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**Categories:** Event
**Tags:** GLO
---
### [Objectway at the 27. WM Kundenforum 202210th November 2022](https://objectway.com/objectway-sponsors-kundenforum-2022/)
**Published:** October 26, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will sponsor the 27. Kundenforum 2022 event in Frankfurt organized by WM Gruppe.
**Content:**
# Objectway sponsor at the 27. WM Kundenforum 2022
10th November 2022 – Objectway will sponsor the 27. Kundenforum 2022 event in Frankfurt organized by WM Gruppe.
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[LinkLinkLink >](https://objectway.com/who-we-serve/?lang=en)
[LinkLinkLink >](https://objectway.com/who-we-serve/?lang=en)
## Agenda
10th November 2022
10:30am – 6:00pm
Karl im Brahm, CEO Dach Region Objectway
Ramazan Celiköz, Director Sales and Business Development
The 27. WM Kundenforum will see the presence of different panel and speeches that will address some of the main themes that are currently undergoing the **wealth management ecosystem**. The main keypoints of the conference will regard:
- **Customer Experience**
- Sustainability and the **European Financial Market**
## Event Information
10th November 2022, Danzig am Platz, Frankfurt am Main
Meet us at our booth and **[Find out more here!](https://www.wmseminare.de/veranstaltungen/termine/2022-11)**
We’re looking forward to meeting you in Frankfurt!
## Conference Delegates
Karl im Brahm
Karl leads the Objectway German-speaking private banking and wealth management markets, as part of its long-term growth strategy for the region. Moreover, he is responsible for the Banking Practice at group level. He brings more than 28 years of experience in the banking sector with significant expertise in leading digital transformation.
Ramazan Celiköz
Ramazan is Director Sales and Business Development. Digitalization of advisory processes, implementation of core banking and out-sourcing solutions (Saas & BPaaS) are his main areas of expertise.
## Related
[All](#)[\#about-objectway](#)[\#digitaltransformation](#)[\#privatebanking](#)[\#wealth-management-trends](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
[„Deutschland ist noch etwas altmodisch unterwegs“](https://objectway.com/abn-amro-und-hauck-aufhauser-lampe-fusionieren-zur-drittgrosten-privatbank-deutschlands/)[Article](https://objectway.com/category/article-genitore/article-glo/)### „Deutschland ist noch etwas altmodisch unterwegs“
4 August 2026
## Sign Up for our Newsletter
Join an ever-growing community within the Wealth and Investment Management and Banking industry. Stay up to date with the latest from Objectway and enjoy early access to exclusive events, initiatives, products, insightful reports and research and much more.
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### [Objectway sponsor at PMAC 2022 National Conference16th November 2022](https://objectway.com/objectway-sponsors-pmac-conference-2022/)
**Published:** November 3, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will be Gold+ Sponsor at 2022 PMAC National Conference in Toronto
**Content:**
# Objectway sponsor at PMAC 2022 National Conference
16th November 2022 – Objectway will be Gold+ Sponsor at 2022 PMAC National Conference in Toronto.
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## Agenda
16th November 2022
8:00am – 6:00pm ET
Kurt Vanhee, Managing Director Continental Europe & North America Objectway
Koen Goossens, Senior Client Solution Leader Objectway
Objectway is proudly supporting as **Gold+ Sponsor** the 2022 PMAC National Conference, that this year return with its in-person edition.
The agenda includes an exceptional line-up of world-class thought leaders who will address **key global issues** and timely topics impacting professionals in the industry.
## Event Information
16th November 2022, Fairmont Royal York Hotel, 100 Front St W, Toronto, ON
Meet us at our booth and **[view the full event agenda.](https://pmac.org/wp-content/uploads/2022/08/2022-National-Conference-Agenda-3.pdf)**
We’re looking forward to meeting you in Toronto!
## Conference Delegates
Kurt Vanhee
With a professional career of nearly 30 years in various roles in large and medium size banking and IT organizations, Kurt has built a strong knowledge of Wealth Management, IT, Customer Delivery and Business Development activities in an international environment. In his current position at Objectway, as Managing Director Continental Europe & North America, he encourages a customer-centric approach.
Koen Goossens
Koen holds a master’s degree in Business Economics, specialised in Information Technology. He has been working in the banking industry for over 30 years, more specifically in the securities area. In his current position of Senior Client Solution Leader at Objectway, Koen provides presales product demonstrations and workshops. At the same time, he supports existing customer implementations and helps the further evolution of Objectway products.
## Related
[All](#)[\#customerexperience](#)[\#oneobjectway](#)[\#portfoliomanagement](#)[\#sponsor](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
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---
### [Objectway at AIPB Forum 202223rd November 2022](https://objectway.com/objectway-at-the-aipb-forum-2022/)
**Published:** November 4, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway sponsor durante la XVIII Edizione del Forum del Private Banking che si terrà presso Palazzo Mezzanotte, a Milano.
**Content:**
# Objectway partecipa all’AIPB Forum 2022
23 Novembre 2022 – Objectway sponsor durante la XVIII Edizione del Forum del Private Banking che si terrà presso Palazzo Mezzanotte, a Milano.
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XVIII Forum del Private Banking. Fiducia, innovazione, protezione: il valore della consulenza private
In questa intervista, Gianbattista Geroldi, VIce President Objectway, approfondisce caratteristiche attuali e obiettivi futuri del private banking, tra evoluzione della domanda e dei servizi, digitalizzazione delle modalità di interazione e personalizzazione dell’offerta.
## Agenda
23 Novembre 2022
09:30 – 14:00
**“Fiducia, innovazione, protezione: il valore della consulenza Private”**. È questo il nome della **diciottesima edizione del Forum del Private Banking**. Tra valori guida a cui fare riferimento e sfide che il futuro riserva, il private banking dovrà tenere in considerazione i cambiamenti che saranno determinati dai comportamenti e dalle attese degli investitori. Tra i principali temi di discussione vi saranno:
- Come rinsaldare la fiducia dopo l’ennesima crisi?
- Quali leve attivare per intercettare e soddisfare i bisogni dei **clienti Private di domani?**
- Come ingaggiare la **nuova generazione di professionisti**, e quali possono essere gli ingredienti di successo per nuovi modelli di servizio?
Il Private Banking Forum è un appuntamento di riferimento per questo settore industriale ed anche quest’anno verrà mantenuta una formula ibrida con sessioni di live streaming per garantire a tutti la partecipazione all’evento in real time.
## Event Information
23 Novembre 2022. L’evento fisico avrà luogo a Palazzo Mezzanotte – Borsa Italiana, Piazza degli Affari 6, Milano. L’ingresso è riservato agli Associati.
Vieni a trovarci a Milano e **[scopri di più!](https://www.aipb.it/it/xviii-forum-del-private-banking-fiducia-innovazione-protezione-il-valore-della-consulenza-private)**
## Speaker
Michele Tanzi
Graduated in Computer Science at the University of Bari, he immediately specialized in the analysis and design of software systems for finance and online trading. In 2003 he joined Objectway, where he immediately realized an innovative and complex private wealth management project. Today he is Market Solutions Director and he leads the development of Objectway Wealth Management solutions and provides support to customers for the products’ implementation.
## Related
[All](#)[\#about-objectway](#)[\#client-relationship](#)[\#financialservices](#)[\#privatebanking](#)
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8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
[Studie: Veraltete Technologie bremst Wachstum bei Instituten](https://objectway.com/studie-veraltete-technologie-bremst-wachstum-bei-instituten/)[Article](https://objectway.com/category/article-genitore/article-glo/)### Studie: Veraltete Technologie bremst Wachstum bei Instituten
4 September 2026
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### [Objectway sponsor the IIAC Catch Up With The Force of WealthTech Conference 202224th November 2022](https://objectway.com/objectway-sponsor-at-iiac-wealthtech-conference/)
**Published:** November 8, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will take part to the IIAC Conference in Toronto as Breakfast Sponsor.
**Content:**
# Objectway sponsor the IIAC Catch Up With The Force of WealthTech Conference 2022
24th November 2022 – Objectway will take part to the IIAC Conference in Toronto as Breakfast Sponsor.
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## Agenda
24th November 2022
08:00am – 12:00pm
IIAC catch up with the force of WealthTech Conference
Kurt Vanhee, Managing Director Continental Europe & North America Objectway
The confluence of **wealth and technology** is transforming the investment and asset management industry, from how we invest to how we connect with clients.
Join the **IIAC Conference** to hear unique perspective on how wealthtech can empower advisors and create game-changing opportunities and **competitive advantages for firms**.
The main themes that will be discussed during the sessions will regard:
- The Value of Integrating Behavioural Science and Technology
- Can Technology Really Do What People Can Do? Streamlining Back-Office Solutions Through Technology
- The Future of Advice and Investment – Trends That Will Impact How the Investment Industry Engages With its Clients
## Event Information
24th November 2022, Vantage Venues Conference Centre, 150 King St W, 16th floor, Toronto
Meet us at our booth and **[find out more about IIAC.](https://iiacaccvm.wixsite.com/wealthtechevent)**
We’re looking forward to meeting you in Toronto!
## Conference Delegates
Kurt Vanhee
With a professional career of nearly 30 years in various roles in large and medium size banking and IT organizations, Kurt has built a strong knowledge of Wealth Management, IT, Customer Delivery and Business Development activities in an international environment. In his current position at Objectway, as Managing Director Continental Europe & North America, he encourages a customer-centric approach.
## Related
[All](#)[\#customerexperience](#)[\#oneobjectway](#)[\#privatebanking](#)[\#sponsor](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
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---
### [Objectway at Parkwell Seminar: Digital Wealth Initiatives: Where Next?30th November 2022](https://objectway.com/parkwell-seminar-digital-wealth-initiatives-where-next/)
**Published:** November 16, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will take part to the latest Parkwell Seminar and Tariq Khan will showcase the future steps of digital wealth management ecosystem.
**Content:**
# Objectway at Parkwell Seminar: Digital Wealth Initiatives: Where Next?
30th November 2022 – Objectway will take part to the latest Parkwell Seminar and Tariq Khan, Objectway Business Development Director, will showcase the future steps of digital wealth management ecosystem.
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## Agenda
30th November 2022
03:30pm
Digital Wealth Initiatives: Where Next?
Tariq Khan, Business Development Director Objectway
Objectway is delighted to invite you to this **Parkwell Management Consultants Seminar** that will go through a digital wealth journey, starting with the importance that now **digital basic connectivity** covers for wealth managers, up to the ever-widening landscape of what can be achieved and what kind of innovations are possible, including the **interaction with all the online services** that are most suitable with the products offered.
The benefits that will be clarified during the seminar will regard:
- greater speed of **accuracy and communications**;
- **operational efficiency**;
- greater **engagement with your clients.**
## Event Information
30th November 2022, Parkwell Managment Consultants, 8 Laurence Pountney Hill, London EC4R 0BE
Join us at the event and **[Register here!](https://parkwell.co.uk/digital-wealth-initiatives/)**
We’re looking forward to meeting you in London!
## Speaker
Tariq Khan
Tariq is Client Development Director at Objectway – global player offering end-to-end digital-ready solutions for Wealth, Bank & Asset Managers. Tariq has been working with UK wealth managers for over 10 years, with a focus on digital transformation, advising firms on how they can make the most of digital solutions in order to improve their client experience, operational efficiency, and become future ready.
## Related
[All](#)[\#customerexperience](#)[\#digital-advisory](#)[\#digitaltransformation](#)[\#privatebanking](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
[„Deutschland ist noch etwas altmodisch unterwegs“](https://objectway.com/abn-amro-und-hauck-aufhauser-lampe-fusionieren-zur-drittgrosten-privatbank-deutschlands/)[Article](https://objectway.com/category/article-genitore/article-glo/)### „Deutschland ist noch etwas altmodisch unterwegs“
4 August 2026
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---
### [Objectway sponsor the European Finance Summit 2022 organized by Farvest Group1st December 2022](https://objectway.com/objectway-sponsor-luxembourg-european-finance-summit-2022/)
**Published:** November 22, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will take part to the European Finance Summit 2022 Edition in Luxembourg as Silver Sponsor.
**Content:**
# Objectway sponsor the European Finance Summit 2022 organized by Farvest Group
1st December 2022 – Objectway will take part to the European Finance Summit 2022 Edition in Luxembourg as Silver Sponsor.
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## Agenda
1st December 2022
08:00am – 05:00pm
InFinance Summit
Kurt Vanhee, Managing Director Continental Europe & North America Objectway
The European Finance Summit is the main gathering for financial professionals to share their **best practices, analyse international financial markets & trends**, review the relationships between Fin and Reg- tech.
The event contributes to guide financial professionals to new steps of their innovation path, aiming to build a strong **customer-centric relationship** day by day.
05:30pm – 07:00pm
Luxembourg Finance Awards Ceremony
The event will conclude with the Luxembourg Finance Awards, namely the **Prize Ceremony** dedicated to the Luxembourg-based companies who have distinguished themselves for the best practices and the best solutions provided to the market.
## Event Information
1st December, 4 Place de l’Europe, 1499 Luxembourg
Meet us at our booth and **[click here to view the full event agenda!](https://www.europeanfinancesummit.com/programme/the-programme/)**
We’re looking forward to meeting you in Luxembourg!
## Conference Delegates
Kurt Vanhee
With a professional career of nearly 30 years in various roles in large and medium size banking and IT organizations, Kurt has built a strong knowledge of Wealth Management, IT, Customer Delivery and Business Development activities in an international environment. In his current position at Objectway, as Managing Director Continental Europe & North America, he encourages a customer-centric approach.
## Related
[All](#)[\#luxembourg](#)[\#oneobjectway](#)[\#sponsor](#)[\#wealth-management-trends](#)
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
[Objectway expands into capital markets with its project to acquire French specialist SLIB, pushing forward its pan-European growth strategy](https://objectway.com/objectway-expands-into-capital-markets-with-its-project-to-acquire-french-specialist-slib-pushing-forward-its-pan-european-growth-strategy/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Objectway expands into capital markets with its project to acquire French specialist SLIB, pushing forward its pan-European growth strategy
27 July 2026
[Objectway acquires Swiss private banking technology business from FNZ to strengthen its pan-European positioning](https://objectway.com/objectway-acquires-swiss-private-banking-technology-business-from-fnz-to-strengthen-its-pan-european-positioning/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Objectway acquires Swiss private banking technology business from FNZ to strengthen its pan-European positioning
1 July 2026
[€243B Tech spend ahead, but only 1 in 4 firms achieves scale: WBAM Research reveals structural paradox](https://objectway.com/objectway-monitor-deloitte-wbam-tech-spend-as-a-service-scalability-report-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### €243B Tech spend ahead, but only 1 in 4 firms achieves scale: WBAM Research reveals structural paradox
24 June 2026
## Sign Up for our Newsletter
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---
### [Objectway at Pimfa End of the Year Networking Reception 20227th December 2022](https://objectway.com/objectway-pimfa-end-of-the-year-networking-reception-2022/)
**Published:** November 24, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway will attend the Pimfa End of the Year Networking Reception 2022 with Hassan Suffyan and Tariq Khan.
**Content:**
# Objectway at Pimfa End of the Year Networking Reception 2022
7th December 2022 – Objectway will attend the PIMFA End of the Year Networking Reception 2022. Come and meet us to find out the goals the industry has achieved in 2022.
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## Agenda
7th December 2022
6:30pm – 9:00pm
Pimfa End of the Year Networking Reception 2022
Hassan Suffyan, Managing Director UK and Ireland Objectway
Tariq Khan, Business Development Director Objectway
Returning for the first time since 2019 with its in-person edition, we are delighted to announce **Objectway participation to the PIMFA End of the Year Networking Reception.**
This event will be a great opportunity to network with industry colleagues and stakeholders to take track and celebrate the **achievements of the industry** in 2022.
The event is reserved to Pimfa members.
## Event Information
7th December 2022, The Law Society, 113 Chancery Lane, WC2A 1PL, London
Meet us at our booth and **[Register here!](https://www.pimfa.co.uk/event/pimfa-end-of-year-networking-reception-2022/)**
We’re looking forward to meeting you in London!
## Conference Delegates
Hassan Suffyan
Hassan has joint Objectway Group Executive Team in September 2022 to help drive the firm’s expansion in the UK and Ireland. He brings over 10 years of Wealth & Private Banking experience, with significant expertise in business and consulting. Prior to joining Objectway, Hassan was Head of the Wealth Technology Practice for Ernst & Young UK.
Tariq Khan
Tariq is Client Development Director at Objectway – global player offering end-to-end digital-ready solutions for Wealth, Bank & Asset Managers. Tariq has been working with UK wealth managers for over 10 years, with a focus on digital transformation, advising firms on how they can make the most of digital solutions in order to improve their client experience, operational efficiency, and become future ready.
## Related
[All](#)[\#customerexperience](#)[\#oneobjectway](#)[\#pimfa](#)[\#wealth-management-trends](#)
[City of London Wealth Management Summit 202619th October 2026](https://objectway.com/city-of-london-wealth-management-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### City of London Wealth Management Summit 202619th October 2026
8 September 2026
[InterSystems UK & Ireland Data Summit 202615th – 16th September 2026](https://objectway.com/intersystems-uk-ireland-data-summit-2026/)[Upcoming](https://objectway.com/category/upcoming/)### InterSystems UK & Ireland Data Summit 202615th – 16th September 2026
8 September 2026
[Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026](https://objectway.com/luigi-marciano-named-ceo-of-the-year-in-wealth-technology-at-the-european-ceo-awards-2026/)[Press Release](https://objectway.com/category/article-genitore/media-release-glo/)### Luigi Marciano named CEO of the Year in Wealth Technology at the European CEO Awards 2026
7 September 2026
[Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026](https://objectway.com/the-future-of-wealth-management-personalization-at-scale-in-the-age-of-ai22-ottobre-2026/)[Event](https://objectway.com/category/event-glo/)### Protected: The Future of Wealth Management – Personalization at Scale in the Age of AI22 Ottobre 2026
4 September 2026
## Sign Up for our Newsletter
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---
### [Objectway Eyes New Worlds To Conquer In Financial Sector](https://objectway.com/objectway-eyes-new-worlds-to-conquer-in-financial-sector/)
**Published:** November 13, 2017
**Author:** leo aloi
**Excerpt:** Peter Schramme, Objectway’s Chief Business Development Officer, on how the Fintech company continues to gain momentum in serving wealth management clients
**Content:**
# Objectway Eyes New Worlds To Conquer In Financial Sector
13 November 2017 – How the Fintech company continues to gain momentum in serving wealth management clients
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Powered by 30 years of business expertise in delivering wealth and asset management technology and services, Objectway empowers its clients to embrace their future challenges while providing great performance today.
**Peter Schramme, Objectway’s Chief Business Development Officer**, on how the Fintech company continues to gain momentum in serving wealth management clients, and sees opportunity in the space for “emerging affluent” populations and areas such as differentiating services for custodians.
## Sign Up for our Newsletter
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### [Objectway one of the Top 100 WealthTech companies by Fintech Global](https://objectway.com/objectway-one-of-the-top-100-wealthtech-companies-by-fintech-global/)
**Published:** April 10, 2019
**Author:** leo aloi
**Excerpt:** Objectway one of the top 100 Wealthtech companies recognised by IDC for their efforts transforming the wealth and asset management industries.
**Content:**
# Objectway is one of the Top 100 WealthTech companies by Fintech Global
10 April 2019 – Objectway is one of the top 100 WealthTech companies of 2019 from across the globe, identified in the inaugural WealthTech 100 list by FinTech Global.
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Objectway, a leader in the Digital Wealth, Investment & Asset Management sector, is one of the top 100 WealthTech companies of 2019 from across the globe, identified in the inaugural WealthTech 100 list, which has been compiled by FinTech Global, a data and research firm. The list gives asset and wealth management leaders a view of the most influential and promising companies in the space.
Companies to make the list were recognised for their efforts transforming the wealth and asset management industries.
The WealthTech sector is one of the fastest growing vertical of FinTech, having grown five-fold since 2014 to reach $4.6bn in funding last year, according to data by FinTech Global. Due to this increased appetite, the list was compiled to give asset and wealth management leaders a clear list of the most influential and promising companies in the space.
A panel of industry experts and analysts were responsible for identifying the companies to make the list, reviewing a study of over 1,000 WealthTech companies undertaken by FinTech Global, a data and research platform.
To make the list, companies needed to be using innovative technology to solve a complex industry problem or generate cost savings or efficiency improvements across the value chain.
The full **WealthTech 100 list** can be found **here**:
[Leggi l'articolo](https://fintech.global/wealthtech100/)
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**Categories:** Awards
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### [Luigi Marciano, CEO di Objectway, premiato ai CEO Italian Awards nella categoria “Technology”](https://objectway.com/luigi-marciano-ceo-di-objectway-premiato-ai-ceo-italian-awards-nella-categoria-technology/)
**Published:** December 5, 2019
**Author:** Alessandro Rocco
**Excerpt:** I migliori CEO di aziende italiane e multinazionali operanti in Italia selezionati tra i top 100 della classifica Forbes Italia.
**Content:**
# Luigi Marciano, CEO di Objectway, premiato ai CEO Italian Awards nella categoria “Technology”
5 December 2019 – I migliori CEO di aziende italiane e multinazionali operanti in Italia selezionati tra i top 100 della classifica Forbes Italia.
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Business International, divisione di Fiera Milano Media, società del Gruppo Fiera Milano, e Forbes Italia hanno premiato Luigi Marciano, CEO di Objectway, per la categoria “Technology” durante la cerimonia dei CEO Italian Awards svoltasi ieri a Milano.
**I CEO Italian Awards** sono stati assegnati a 14 top manager alla guida di aziende italiane e multinazionali di successo che, con talento, impegno, creatività e intraprendenza hanno reso le loro imprese più competitive a livello nazionale e sui mercati internazionali, contribuendo allo sviluppo e alla crescita del Paese.
Il premio
“Per aver fondato, diretto e sviluppato negli ultimi 30 anni la società entrata a far parte dei primi 100 fornitori globali FinTech e diventata leader nell’industria software per il Wealth, Investment, Asset Management” è stato attribuito attraverso l’autorevole classifica stilata da Forbes Italia, che ha incluso **l’Ing. Marciano tra i top 100 capitani d’impresa**.
Objectway accompagna il mondo della finanza nel **percorso di digitalizzazione e innovazione tecnologica** e di business, non solo in Italia, ma nel Regno Unito e nel resto d’Europa. L’azienda ha investito sulla specializzazione nella tecnologia per il Wealth & Asset Management – oggi definita WealthTech – concentrandoci sull’innovazione continua, calando e personalizzando la tecnologia sulle specifiche esigenze e sull’identità distintiva di ogni istituzione finanziaria con una visione olistica.
**Guarda l’intervista** realizzata durante la serata di premiazione, clicca sul pulsante qui sotto:
[Intervista](https://youtu.be/6-vwEme4Uw8)
Questo riconoscimento mi riempie di orgoglio. Lo condivido con tutti i clienti e i collaboratori, che voglio ringraziare per il contributo al successo di Objectway. WealthTech è un termine diventato popolare di recente, ma per noi rappresenta una direzione precisa su cui abbiamo sempre puntato, aiutando le istituzioni finanziarie a gestire in modo più efficiente, produttivo e performante gli investimenti e il patrimonio dei loro clienti. Sono onorato che il contributo di Objectway a rendere il nostro Paese più competitivo a livello internazionale venga riconosciuto con questo premio
[](https://www.linkedin.com/in/luigi-marciano-66b9538/)### Luigi Marciano
Founder & CEO, Objectway
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### [Accelerare l’evoluzione digitale della finanza con una visione olistica](https://objectway.com/accelerare-levoluzione-digitale-della-finanza-con-una-visione-olistica/)
**Published:** December 18, 2019
**Author:** Alessandro Rocco
**Content:**
# Accelerare l’evoluzione digitale della finanza con una visione olistica
18 December 2019 – Accelerare l’evoluzione digitale dell’industria mondiale del wealth & asset management, fornendo soluzioni e servizi tecnologici sulla base di centralità del cliente, esperienza di settore e innovazione di prodotto: questa la mission di Objectway.
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Objectway da 30 anni sul mercato, supporta a livello tecnologico l’intera catena del valore del wealth management, dell’asset management e del life insurance, mettendo a disposizione di banche, sgr, sim e outsourcer una copertura completa, front-to-back, delle loro esigenze applicative.
Attualmente, la maggior parte degli operatori finanziari sta sfruttando le opportunità fornite dalla digitalizzazione per iniziative di ottimizzazione, efficienza e produttività negli ambiti dell’automatizzazione dei processi e della customer experience.
[Scarica l'articolo in PDF](https://objectway.com/wp-content/uploads/2019/12/Forbes_Brand_Voice-2.pdf)
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### [Wealth Management and COVID 19](https://objectway.com/wealth-management-and-covid-19/)
**Published:** April 14, 2020
**Author:** leo aloi
**Excerpt:** Objectway is a leading software provider of wealth management digital solutions with customers distributed across four continents.
**Content:**
# Wealth Management and COVID 19
14 April 2020 – Objectway offers Licence Free Period for WealthTech Suite to help the digital transformation during the Covid-19 crisis.
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Objectway is a leading software provider of wealth management digital solutions with customers distributed across four continents.
Being headquartered in Italy, we were early to **deal with the COVID-19** emergency in the EMEA region. The rapid escalation of COVID-19 outbreak has forced us to test our business continuity plans, in Italy first and soon after that in our UK and Belgium operations.
Fortunately, we are a **natively digital company** with an existing smart-working policy; we use agile development and dev-ops methodologies, with teams spread across Europe. Therefore, soon after the initial shock of having to implement our contingency plan, we were back and ready to deliver as usual to our customers. It was now time to immediately start thinking about how this emergency would affect our customers’ business and how we could help them cope with such a disruption.
**Wealth Management and Private Banking** have historically emerged as highly personalised professional services with customers demanding special attention and highly skilled relationship managers for frequent and intensive face-to-face interactions. Satisfied with their level of customer centricity, many firms in the sector had overlooked the importance of critical changes happening in the market, such as **digital transformation**, where financial services have clearly fallen somewhat behind the progress being made in other sectors.
Recent research by the Scorpio Partnership has shown that **47% of HNW investors**, if they were CEO for a day, would prioritise innovation in digital services to improve their client experience, with digital engagement currently happening mainly through static website content (44%) and e-mails (40%) with only 21% via Client Portals and a meagre 8% happening through Mobile Apps (WealthBriefing research published 2020). There is a clear digital gap in the Private Wealth sector.
Now Covid-19 measures have first restricted and then completely locked-down any face-to-face meetings between advisors and investors, and there are no clear plans and dates as to when it can safely happen again. Many investors are, as a consequence of the digital gap, panicked; stuck at home without direct access to their portfolio information, apart from a phone call from their advisors.
This emergency is unfortunately exposing the delay in digital transformation accumulated today in the wealth management industry, and investors who do not feel properly served in these emergency times, will soon start looking elsewhere.
At Objectway, we have always believed in the need of ensuring the ability for Advisors and Clients to interact and collaborate digitally, and our existing customers who have implemented our **Objectway WealthTech suite**, are able to leverage its digital core functionalities to deliver a timely, personalised high-touch service even in such difficult times:
- **Remote advisor-client digital collaboration** with secure chats, remote video face-to -face meetings, secure screen sharing in full privacy where the advisor can not only talk with clients but also walk them through their updated investments showing graphs, trends, or assist them in learning how to use the self-service channels.
- **Real time multi-device access to investments**, market research papers and news for investors through portals and mobile apps.
- **Proactive alerts and notifications** generated by our integrated CRM module will alert the Advisor that a certain client’s portfolio needs attention and the client should immediately be contacted, or notify client via their apps that, for instance, a new paper on how to make your investments survive in the COVID-19 emergency has just been published in their document inbox.
We are also aware that this emergency will strain the available budgets of all companies in our market. So, we understand it’s time for us to help our customers to start or complete their digital transformation now!
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### [Una consulenza digitale ma più personalizzata](https://objectway.com/una-consulenza-digitale-ma-piu-personalizzata/)
**Published:** May 22, 2020
**Author:** Alessandro Rocco
**Excerpt:** Il covid-19 ha spostato la relazione tra advisor e cliente sui canali digitali: piattaforme avanzate per aumentare le capacità e l’efficienza dell’advisor.
**Content:**
# Una consulenza digitale ma più personalizzata
22 May 2020 – Private Banking e Wealth Management devono agire per preparare il proprio business alla crescita nella «nuova normalità» nel post-Covid.
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Il covid-19 ha spostato la relazione tra advisor e cliente sui canali digitali: ma non tutte le realtà si erano già dotate di piattaforme avanzate per aumentare le capacità e l’efficienza dell’advisor. Un modello che resterà anche nel dopo-covid.
In questo contesto, i **servizi DTM (Digital Transaction Management)** digitalizzano i processi documentali relativi a cliente e advisor, supportando le funzioni commerciali e amministrative lungo l’intero ciclo di vita dei contratti. Ai **mercati WM e Insurance**, questo framework permette di automatizzare in modo semplice l’operatività, integrandosi tramite microservizi e API con i sistemi esistenti in azienda.
[Scarica l'articolo in PDF](https://objectway.com/wp-content/uploads/2020/05/05_Speciale_Objectway.pdf)
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### [Verso una nuova normalità](https://objectway.com/verso-una-nuova-normalita/)
**Published:** June 30, 2020
**Author:** Alessandro Rocco
**Excerpt:** Private Banking e Wealth Management devono preparare il proprio business alla crescita nel post-Covid
**Content:**
# Verso una nuova normalità
30 June 2020 – Private Banking e Wealth Management devono agire per preparare il proprio business alla crescita nella «nuova normalità» nel post-Covid.
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Private Banking e Wealth Management devono preparare il proprio business alla crescita nel post-Covid.
In un momento in cui è aumentato di 7-10 volte l’engagement digitale dei clienti, diventa imprescindibile l’implementazione di nuovi modelli di consulenza, abilitando i gestori della relazione e i loro clienti a interagire e collaborare tramite piattaforme che offrono una gestione digitale completa dell’intero **Client Lifecycle Management**. Il commento a MF-MilanoFinanza di **Luigi Marciano, CEO e Fondatore di Objectway**.
[Scarica l'articolo in PDF](/wp-content/uploads/2020/07/MilanoFinanzaArticle_Overlay.pdf)
Una consulenza high touch che si focalizza dove la tecnologia non potrà sostituire l’uomo: la gestione della relazione
[](https://www.linkedin.com/in/luigi-marciano-66b9538/)### Luigi Marciano
Founder & CEO, Objectway
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### [Objectway Wealthtech Suite crowned “Best Wealth Management System” for the second consecutive year](https://objectway.com/objectway-wealthtech-suite-crowned-best-wealth-management-system-for-the-second-consecutive-year/)
**Published:** September 14, 2020
**Author:** Alessandro Rocco
**Excerpt:** Best Software for Wealth Managers of 2020: opti-channel customer engagement, front-office productivity, suitable advice and compliance, efficient back-office operations, and management analytics
**Content:**
# Objectway Wealthtech Suite crowned “Best Wealth Management System” for the second consecutive year
14 September 2020 – The firm wins its seventh in a row Goodacre Systems in the City Financial Technology Award.
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Objectway, a leader in the Digital Wealth & Asset Management software, continues its series of consecutive awards recognition by Goodacre, the UK leading specialist consultancy for the securities industry.
Awarded “**Best Wealth Management System**”, the Objectway **WealthTech Suite** unleashes the potential of wealth managers wanting to optimise their business, such as opti-channel customer engagement, front-office productivity, suitable advice and compliance, efficient back-office operations and management analytics.
The Objectway WealthTech Suite is a multi-channel, scalable, cloud-ready platform which empowers human expertise with augmented intelligence software engines to better understand your customers and maximize their wealth. The long established Goodacre Systems in the City Financial Technology Awards took place online this year with the participation of representatives from all leading financial services firms. These awards are the leading endorsement for suppliers of services and systems to the regulated financial services sector. Based on an independent and factual annual accreditation process, overseen by three independent judges, they are an important point of reference for user firms assessing the suitability of their operational infrastructure.
We are really grateful for the continuous support and appreciation demonstrated by clients that voted for us and by the market experts that recognised our leadership. Our solution allows all firm’s stakeholders to take advantage of enhanced productivity, digitally-native processes for client servicing and lifecycle management, best of breed portfolio management capabilities, and back office operations optimisation.
[](https://www.objectway.com/)### Alberto Cuccu
CEO International, Objectway
All nominees and winners are to be congratulated for the service and support they have provided to the investment industry in 2020. Despite the challenges, it has been pretty much ‘business as usual’ for many firms thanks in no small part to the efforts of the FinTech firms. Objectway is one of very few companies which provides a full and comprehensive range of solutions from one source and continues to secure new accounts. The management and team at Objectway are to be congratulated.
[](https://www.goodacreuk.com/)### Stephen Pinner
Managing Director, Goodacre
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**Categories:** Awards
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---
### [Può l'intelligenza artificiale essere di aiuto ai servizi finanziari?](https://objectway.com/puo-lintelligenza-artificiale-essere-di-aiuto-ai-servizi-finanziari/)
**Published:** September 28, 2020
**Author:** Lorenzo Noventa
**Excerpt:** Leggi l'intervista a Luigi Marciano, CEO di Objectway, tra i primi player europei nello sviluppo e produzione di piattaforme software e istituzioni finanziarie
**Content:**
# Può l’intelligenza artificiale essere di aiuto ai servizi finanziari?
28 September 2020 – Luigi Marciano, Founder e CEO Objectway, parla dell’azienda su Economia Italiana, leggi l’articolo completo.
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Leggi l’intervista a Luigi Marciano, CEO di Objectway, leader assoluto in Italia e tra i primi player europei nello sviluppo e produzione di piattaforme software e servizi di business per le istituzioni finanziarie e le imprese.
[Leggi l'articolo](http://www.economiaitaliana.it/it/articolo.php/PuA-l-intelligenza-artificiale-essere-di-aiuto-ai-servizi-finanziari-?LT=PRIMA&ID=39889)
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### [Accuro goes live with Objectway's Investment Management Service Solution for private clients](https://objectway.com/accuro-goes-live-with-objectway-investment-management-service-solution/)
**Published:** May 11, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Accuro relies on Objectway to enhance their approach to clients' needs and portfolios, supported by a personalised digital service built on Objectway Platform.
**Content:**
# Accuro goes live with Objectway’s Investment Management Service Solution for private clients
11th May 2023 – Accuro relies on Objectway to enhance their tailor-made and transparent approach to clients’ needs and portfolios, supported by a sustainable and personalised digital service and investment experience built on Objectway Platform.
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Accuro, one of the leading wealth advisors based in Antwerp, Belgium, has selected Objectway – global TOP-100 FinTech provider of as-a-service software and service platform to banks, wealth and asset managers – as its partner to implement a new private client wealth management platform for its advisory and discretionary business.
Accuro is focused on the protection, growth, and inter-generational transfer of their client’s wealth, based on a personalized collaboration with their customers.
The partnership with Objectway will help Accuro to accelerate its multi-custodian, real-time, straight-trough-processing of orders and to offer their clients a digital investment experience for their advisory and discretionary businesses in a fully regulatory compliant way.
The solution is built on Objectway Platform, the as-a-service growth platform delivering a flexible solution design by leveraging end-to-end digital and service capabilities and will position Accuro to scale the growth of their business, increasing client satisfaction and retention.
Hosted on private cloud, the fully modular solution is configured according to Accuro’s requirements and can seamlessly add more functionalities over time.
Key factors in Accuro’s selection process were the full coverage of all the required business and regulatory compliance needs, and the ease of integration with multiple custodians.
The transformation process went very smooth thanks to the direct access and no-nonsense approach of Objectway.
[](https://www.linkedin.com/in/hans-de-schouwer-4ab70a4/)### Hans De Schouwer
Founding Executive & Compliance - Accuro IT Director
Accuro is one of the few boutique wealth managers in Belgium that offer both discretionary and multi-asset class advisory services to their clients. Especially the advisory model is heavily under pressure due to increased regulations to protect investors. We are proud that Accuro has identified and trusted Objectway as the best provider to support and evolve their service models. The implementation progressed in a very collaborative and transparent way, with special attention to the specific needs and focus points indicated by Accuro to preserve their own identity. With this win, Objectway strengthens its position as trustworthy partner for the delivery of high-personalised products and services in the Wealth Management space.
[](https://www.linkedin.com/in/kurtvanhee/)### Kurt Vanhee
Managing Director Continental Europe and North America Objectway
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**Categories:** Press Release
**Tags:** #accuro, #investmentmanagement, #objectwayplatform, GLO
---
### [Sfide ed opportunità dell'innovazione sostenibile per la finanza](https://objectway.com/sfide-ed-opportunita-dellinnovazione-sostenibile-per-la-finanza-objectway-al-sdr23/)
**Published:** May 30, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** In occasione del SDR23, Objectway ha presentato i risultati della ricerca commissionata a GlobalData per esaminare il livello di innovazione nei servizi finanziari in Europa.
**Content:**
# Sfide ed opportunità dell’innovazione sostenibile per la finanza
30 Maggio 2023 – Objectway ha presentato i risultati della ricerca che ha coinvolto 230 operatori del settore in Europa sulle strategie in atto per coniugare innovazione e sostenibilità nei processi operativi, nell’offerta e nella relazione con la clientela.
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Objectway – partner di riferimento di banche, wealth e asset manager per supportarne scalabilità e performance con soluzioni software e servizi – ha presentato il report “Unlocking opportunity in challenging times: innovation in European Financial Services” in occasione del Salone del Risparmio.
La ricerca, commissionata a GlobalData, ha esaminato il livello di innovazione nei servizi finanziari in Europa, valutando le principali criticità del settore e le strategie per farvi fronte con progetti e investimenti in innovazione sostenibile negli ambiti di customer experience, evoluzione dell’offerta e nuovi modelli operativi.
Nella conferenza organizzata da Objectway nella seconda giornata del Salone del Risparmio, Michele Tanzi, Market Solution Director della società, ha illustrato gli ambiti sui quali si stanno concentrando le iniziative di innovazione dei differenti operatori del mondo della finanza. Nella tavola rotonda che ha seguito la presentazione della ricerca si sono confrontati su queste tematiche alcuni dei principali esponenti del settore.
Diverse priorità di innovazione
Secondo la ricerca, i diversi operatori stanno affrontando le attuali sfide del mercato concentrandosi su differenti aree strategiche. Le banche universali sono principalmente concentrate sull’evoluzione della propria offerta utilizzando diversi modelli di partnership, che ritengono un elemento centrale del loro programma di modernizzazione. Per i wealth manager la priorità è la customer experience, con un particolare focus sul Client Lifecycle Management e sui canali, che si aspettano di evolvere attraverso l’utilizzo dell’intelligenza artificiale. Gli asset manager sono più propensi ad adottare soluzioni di outsourcing, principalmente nell’ambito del back-office, per ottimizzare l’operatività e automatizzare i processi.
Tuttavia, poco meno del 20% degli intervistati sta perseguendo iniziative di “full spectrum”, cioè progetti integrati che combinano tutte queste aree per creare un’innovazione sostenibile. La sfida per tutti è conciliare innovazione e sostenibilità in un contesto nel quale viene richiesto di prendere decisioni sempre più rapidamente, considerandone la sostenibilità di lungo periodo e avendo gli strumenti per correggere e adattare tali decisioni.
Per farlo ci vuole un metodo. L’applicazione dell’Innovation Diamond Framework che stiamo utilizzando con i nostri clienti consente a Objectway di collaborare con loro per creare soluzioni che generino un impatto tangibile e sostenibile sull’esperienza del cliente finale, sul design dell’offerta e sul modello operativo complessivo.
[](https://www.linkedin.com/in/michele-tanzi-39b18410/)### Michele Tanzi
Market Solution Director Objectway
Iper-personalizzare per differenziarsi
Fare leva su un’offerta altamente personalizzata è la chiave per offrire un’esperienza distintiva ai propri clienti. In un mercato estremamente competitivo, i clienti hanno aspettative elevate in termini di customizzazione e cercano portafogli su misura che rispondano alle loro preferenze e agli obiettivi di vita.
È necessario proporre ai clienti idee di investimento interessanti, con un profilo di sostenibilità e incentrate su temi con un respiro a medio-lungo termine, ma flessibili e adattabili nel tempo in base al mutare delle condizioni del mercato e del contesto socio-economico.
[](https://www.linkedin.com/in/giannipiazzoli/)### Gianni Piazzoli
Chief Investment Officer Vontobel
La specializzazione è fondamentale nel settore: offrire un servizio di gestione patrimoniale e di consulenza altamente personalizzabile permette di coinvolgere maggiormente i clienti nelle scelte e di valorizzare meglio le competenze societarie, anche grazie al supporto di una piattaforma tecnologica adeguata.
[](https://www.linkedin.com/in/gianmarco-zanetti-470081171/)### Gianmarco Zanetti
Direttore Generale Euromobiliare Advisory SIM
ESG: un must-have nell’offerta
Tutti gli attori del mercato aggiungeranno funzionalità o espanderanno la propria offerta in ambito ESG nei prossimi anni, seguendo il percorso che il settore dell’asset management ha già avviato da tempo con risultati rilevanti.
Da sempre la sostenibilità è nel DNA di Etica Sgr e guida, in modo imprescindibile, tutte le nostre scelte, non solo di investimento. Nell’ottica di conciliare innovazione e sostenibilità, Objectway è un partner strategico di valore sui processi esternalizzati a lui affidati, consentendoci di ottimizzare ed efficientare la nostra operatività interna.
[](https://www.linkedin.com/in/marcello-colla-943b334/)### Marcello Colla
Pianificazione Strategica Etica SGR
Partnership per la competitività
Gli operatori, infatti, sono sempre più consapevoli dei vantaggi dell’adozione di un ecosistema di partner in grado di migliorare la gestione del business grazie all’esternalizzazione di vari processi della propria attività (Business Process as a Service), per generare nuove opportunità di crescita, ridurre i costi e la complessità gestionale.
Per questo abbiamo scelto Objectway, che ci ha supportato fin dall’inizio nella realizzazione di un modello di servizio innovativo per i clienti, ora anche a disposizione di altri operatori del settore.
[](https://www.linkedin.com/in/stefano-rossi-941166163/)### Stefano Rossi
Chief Executive Officer Euclidea
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**Categories:** Press Release
**Tags:** #innovation, #objectwayplatform, #sdr23, #sostenibilità, GLO
---
### [Digitale Innovationen im Wettbewerb: Wie Banken und Vermögensverwalter um Kunden kämpfen müssen](https://objectway.com/digitale-innovationen-im-wettbewerb-wie-banken-und-vermogensverwalter-um-kunden-kampfen-mussen/)
**Published:** June 1, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** In Deutschland kämpfen Banken und Finanzinstitute mit einer Übersättigung an Anbietern und einem Mangel an Kunden. Karl im Brahm vertieft das Thema für Fundscene.
**Content:**
# Digitale Innovationen im Wettbewerb: Wie Banken und Vermögensverwalter um Kunden kämpfen müssen
2\. Juni 2023 – In Deutschland kämpfen Banken und Finanzinstitute mit einer Übersättigung an Anbietern und einem Mangel an Kunden. Die Bedeutung einer guten Kundenerfahrung hat in den letzten Jahren stark zugenommen. Die Lösung besteht darin, ein digitales Front-Office und effiziente und automatisierte Back-End-Prozesse zu implementieren. Karl im Brahm vertieft das Thema für Fundscene.
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In Deutschland kämpfen Banken und Finanzinstitute mit einer Übersättigung an Anbietern und einem Mangel an Kunden. Die Herausforderungen werden durch eine starke Konkurrenz sowie veraltete Strukturen und hohe Kosten und Investitionsdruck bei digitalen Innovationen verstärkt.
Die Bedeutung einer guten Kundenerfahrung hat in den letzten Jahren stark zugenommen. Es ist daher von großer Bedeutung, bestehende Kunden zu halten und gleichzeitig attraktiv für neue Kunden zu sein. Die Lösung besteht darin, ein digitales Front-Office und effiziente und automatisierte Back-End-Prozesse zu implementieren, während gleichzeitig eine persönliche Kundenbeziehung gepflegt wird.
Mit der höchsten Anzahl an Banken in der EU gilt Deutschland als „overbanked“. Angesichts einer starken Konkurrenz und einer anhaltenden Konsolidierung des Marktes sind Privatbanken, Retailbanken, Vermögensverwalter und andere Anbieter gezwungen, sich zu behaupten. Zudem wird der digitale Wandel massiv durch neue Anforderungen an das Kundenerlebnis vorangetrieben.
Um den Herausforderungen des Wettbewerbs und der Regulierung standzuhalten und neue Chancen zu nutzen, benötigen Finanzinstitute zum einen sinnvolle Innovationspläne und zum anderen ein für sie individuelles digitales Gesamtkonzept. Das heißt eine modulare Plattform einzuführen, die offen, skalierbar und in einer Cloud-Infrastruktur verfügbar ist. Wir bieten unseren Kunden flexible Lösungen, die eine umfassende Suite von End-to-End-Digitalfunktionen und Services auf Basis einer skalierbaren Cloud-Infrastruktur nutzen. Das integriert alle Front-to-Back-Office-Abläufe nahtlos in eine Wachstumsplattform as-a-servce.
So wollen wir wichtige Vorteile über die gesamte Wertschöpfungskette hinweg bieten – und der Erfolg gibt uns Recht. Die großen deutschen Privatbanken wie etwa Hauck Aufhäuser Lampe, ABN Amro Bethmann oder das Bankhaus Metzler zählen zu den Kunden.
Persönliche Betreuung und reibungslose Interaktion
Obwohl die Verwaltung von Vermögen schon immer stark auf persönliche Betreuung setzte, befinden sich einige Dinge im Wandel. Von der Finanzberatung wird heute erwartet, dass sie nicht nur über die Beziehung zum Vermögensverwalter oder Banker erfolgt, sondern auch über die Qualität und den Inhalt digitaler, reibungsloser Interaktionen über alle Kanäle hinweg. Dabei soll eine bewusste Beziehung geschaffen und gepflegt werden, die auf den Lebenszyklus des Kunden abgestimmt ist.Ein personalisiertes Portal kann beim Kunden einen „Wow“-Moment auslösen. Wenn er dann schnell handeln kann, indem er über den Kanal seiner Wahl und zu der von ihm bevorzugten Zeit Zugang zum Berater hat, wird dieser noch verstärkt.
Das bedeutet eben nicht, den persönlichen Kontakt zu vergessen. All dies trägt zu einem hervorragenden Kundenerlebnis bei, fördert aber auch die Effizienz und Skalierbarkeit. Verfügen Banker und Vermögensverwalter über ein integriertes, digitales System zur Stärkung der Kundenbeziehungen, sind sie in der Lage, eine größere Anzahl von Kunden zu betreuen und sich so auf ihr Kerngeschäft zu konzentrieren. So lässt sich in kürzerer Zeit mehr leisten und dadurch Skaleneffekte erzielen.
Künstliche Intelligenz für mehr Personalisierung und ESG-Compliance
Es nützt nichts, neue Kunden zu akquirieren und zu halten, wenn die Kosten für deren langfristige Betreuung zu hoch sind. Das Gleiche gilt für die Fähigkeit, Daten im Back-end zu beschaffen und zu verarbeiten, damit sie am vorderen Ende zweckdienlich sind und die Kundenerfahrung und die Fähigkeit zur Skalierung verbessern. Unsere Kernlösungen für das Portfoliomanagement und die Beratung waren beispielsweise schon immer sehr stark in der Risikoanalyse und Modellierung.
Heute sehen wir das Risiko untrennbar mit ESG-Kriterien verbunden und haben sie in unsere Modellierungs- und Optimierungsfunktionen integriert. Risikobewusste und auf ESG-Kriterien ausgerichtete Portfolio-Optimierung werde von Finanzinstituten stark nachgefragt und führe auch zu einer Demokratisierung von Vermögenslösungen. Denn eine zentralisierte und standardisierte Beratungserfahrung kann ein breiteres Publikum auf eine Compliance-konforme Weise mit einem hybriden digital-menschlichen Ansatz zu betreuen.
„Digital first“ essenziell für alle Kundensegmente
Für Wealth und Asset Manager werde es in den nächsten Jahren darum gehen sich zu einem komplett kundenorientierten Unternehmen zu entwickeln. Dabei gilt es traditionelle Pfade zu verlassen und sich auf eine neue Generation von Kunden vorzubereiten, ohne dabei ihre Kernklientel aufzugeben. Das Thema „digital-first“ wird dabei für alle Kundensegmente essenziell sein. Unabhängig von der Höhe des verwalteten Vermögens müssen mit verschiedenen Beratungsmodellen, Produkten und Dienstleistungen personalisierte, nahtlose und verbindliche digitale Erlebnisse geschaffen werden.
Das kundengesteuerte Unternehmen müsse also durch Technologie unterstützt werden. So sollen einerseits konservative, vermögendere Kunden bedient werden, die neben persönlichen Dienstleistungen zunehmend digitale Erlebnisse erwarten. Andererseits kann eine jüngere Generation von Kunden mit digitaler Kompetenz angesprochen werden, die beispielsweise Vermögen geerbt hat.
Banken stehen unter Druck
Das gleiche gilt für Privatbanken. Lange Zeit sollten Kernbankenlösungen vor allem zuverlässig sein. Das reiche heute laut dem Experten nicht mehr. Deutsche Privat- und Retailbanken stehen unter dem Druck, sich weiterzuentwickeln. Sie brauchen mehr Digitalisierung, ein besseres Omnichannel-Angebot und eine reibungslose Verbindung von physischen und digitalen Kanälen für die Kundenansprache und -verwaltung über den gesamten Lebenszyklus. Digitales Banking und die Cloud haben die Anforderungen an Bankprodukte deutlich verändert.
Mit den neuen Lösungen ließen sich Transaktionen in Echtzeit zu verarbeiten, stetig neue Funktionen bieten und die gesamte IT-Infrastruktur skalieren. Das Ziel sei, dass die Wertschöpfungskette stärker verschmolzen und integriert werden müsse. Wir erleben heute die Konvergenz von Wealth Management, Banking und Asset Servicing. Wir sehen eine zunehmende organisatorische Neugestaltung und eine Neukonfiguration der Geschäftsmodelle, die immer mehr Partner aus dem Ökosystem über die gesamte Wertschöpfungskette hinweg erfordern.
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**Categories:** Article
**Tags:** #customerexperience, #digital-transformation, #innovation, #wealth-management-trends, #wealthtech
---
### [The Future of Wealth Management: Client Experience, ESG, and Digital Transformation Take Center Stage at CEO Dinner](https://objectway.com/the-future-of-wealth-management-digital-transformation-and-esg-factors/)
**Published:** March 22, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** Enhancing the client experience in at the top of the agenda, as the importance of sustainability and of improving productivity and achieving scale
**Content:**
[  ](/market-trends/)
###### MAR 22, 2023
# The Future of Wealth Management: Client Experience, ESG, and Digital Transformation Take Center Stage at CEO Dinner
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
Director Of Client Services at Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Customerexperience](/owintalk/customerexperience/)[\#DigitalChange](/owintalk/digitalchange/)[\#ESG](/owintalk/esg/)
The recent CEO dinner organised by PAM and hosted by Objectway proved to be a lively forum where the most pressing industry challenges and future outlook was discussed. Once again, enhancing the client experience was certainly near the top of the agenda as was the importance of sustainability and the constant challenges of improving productivity and achieving scale.
Client demands have markedly changed over the years and the client experience is certainly a differentiator in the market. The industry is focused on improving this. Firms are investing in their digital front ends to provide a personalised experience where their clients can do more than the traditional read only portal and can collaborate more effectively with their investment/relationship managers and have access to tailored information on the go. The ultimate aim is to [provide a seamless hybrid experience](/achieve-democratisation-through-personalized-investment-advisory-proposal/) with respect to digital and face to face interactions. Firms had noticed a positive correlation between client satisfaction and the sophistication of this hybrid offering which showed that the investment was paying off. The majority of firms in the industry are undergoing change and using digital technology to enable improvements by simplifying the current legacy architecture but also attempting to future proof the business. An example of this is the desire to create an open scalable platform which will make it easier to introduce new offerings or services within shorter time frames and at less risk. Digital change was also seen to help to improve productivity and efficiency within firms. For instance, , the front office wanted to be able to receive real time alerts on dashboards which could help prioritise tasks and have an integrated solution which could do away with many manual processes freeing up time for more value added processes.
The importance of ESG was also discussed, both in terms of meeting regulatory requirements and the reporting of this and of greater functionality required when it came to managing portfolios and analysing performance using ESG factors. Many clients wanted to do good while doing well with respect to their portfolios.
So what will the future look like for the wealth management industry?
Firms have seen a positive change in their internal make up in terms of diversity and will be promoting this further. Not only has this made the workplace more dynamic but will have positive impacts on client relationships.
The near future signals the first deadline for implementation of consumer duty and there was agreement that client outcomes related to ‘consumer understanding’, ‘price and value’ etc. are positive for the industry. There may need to be some changes made around this. For example, ensuring, that there is a clear omni channel approach to communications and relevant tailored support available for clients. Digital channels undoubtedly play a major role in this.
The question over buy vs build technology was also debated with the consensus being the benefits of partnering with a specialist technology vendor able to configure specific workflows and maintain/upgrade the solution to industry standards was a compelling reason to buy. Ideally, CEOs would like to focus on what they do best- managing client relationships and money and leaving the rest to trusted partners.
The mood within the group was very positive and looking forward to a future where clients would enjoy a more personalised omni channel experience and firms would be enabled to tachieve greater efficiency and scale.
**RELATED POST**
Market Trends
### Challenges & Trends in Wealth Management in 2023 and Beyond
[](/challenges-and-trends-in-wealth-management-in-2023-latest-from-ceo-pam-dinner/)
Market Trends
### Innovation in Wealth Management: a cure for Troubled Times
[](/innovation-in-wealth-management-and-technology-as-business-innovation-enabler/)
Podcast
### The importance of Client Experience
[](/the-importance-of-client-experience/)
**Categories:** #DigitalChange, #Esg, Market Trends
---
### [Challenges & Trends in Wealth Management in 2023 and Beyond](https://objectway.com/challenges-and-trends-in-wealth-management-in-2023-latest-from-ceo-pam-dinner/)
**Published:** February 7, 2023
**Author:** Silvia Boccuzzi
**Excerpt:** How the industry is managing the demand for improved digital engagement as part of an integrated hybrid experience, improving productivity and achieving scale
**Content:**
[  ](/market-trends)
###### FEB 07, 2023
# Challenges & Trends in Wealth Management in 2023 and Beyond
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
Director Of Client Services at Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Digitalchange](/digitalchange/)[\#Onboarding](/onboarding/)[\#ClientCommunication](/clientcommunication/)[\#Portfoliooptimisation](/owintalk/portfolio-optimisation/)[\#Digitalengagement](/digital-engagement/)
On the occasion of the latest CEO dinner organised by PAM, Objectway discussed some of the most pressing challenges faced by the industry. Topics ranged from how the industry is managing the increasing demand for improved digital engagement as part of an integrated hybrid experience – with consumer duty in mind -, the constant challenges of improving productivity and achieving scale, and what a successful future operating model may look like.
The debate provided a rich and diverse exchange of ideas; it emerged that most firms in the industry are undergoing change and using digital technology to enable improvements by simplifying the current legacy architecture while also attempting to future proof the business. An example of this is the desire to create an open scalable platform which will make it easier to introduce new offerings or services, reducing the need for constant major IT changes and enabling more nimble adaptation to changing market demands.
Digital change was also assessed as improving productivity and efficiency within firms. For instance, the front office wanted to be able to receive real time alerts on dashboards which could help prioritise tasks. They also hope to automate many manual processes, freeing up time for more strategic and valuable activities. The sentiment is supported by industry research that already shows a [positive correlation between increased IT spend on front office and profitability.](/front-office-efficiency-and-intergenerational-wealth-retention-through-digital-change/)
What will the future look like for the wealth management industry?
The near future signals the first deadline for implementation of consumer duty and there was agreement that client outcomes related to ‘consumer understanding’, ‘price and value’ etc are positive for the industry. There may need to be some changes made around this.
One will be ensuring that there is a clear omni channel approach to communications and relevant tailored support available for clients. Digital channels undoubtedly play a major role in this.
On the investment side, the group discussed the role of sustainability, ESG and how this would be reflected in future reporting as clients increasingly want to see their portfolios doing well in every sense of the word.
Operationally, firms are looking to leverage the flexibility and scale of cloud offerings and the group debated how they could offer a personalised service with their own unique touch in a scalable way. Do firms need to build their own software when technology partners are able to configure workflows for them with software that is upgraded and kept in line with changing regulations to industry standard? Ideally, CEOs would like to focus on what they do best- managing client relationships and money and leaving the rest to trusted partners. This seems to be the direction of travel and could/should be speeded up.
As ever, the mood within the group was very positive and looking forward to a future where clients would enjoy a more personalised omni channel experience and firms would be enabled to achieve greater efficiency and scale.
**RELATED POST**
Podcast
### The importance of Client Experience
[](/the-importance-of-client-experience/)
Digital Transformation
### Technology-enabled digital change to future-proof your business
[](/technology-enabled-digital-change-to-future-proof-your-business/)
Customer Experience
### Gain a sky-high competitive advantage with an end-to-end digital client onboarding
[](/gain-competitive-advantage-switching-to-paperless-and-digital-client-onboarding/)
**Categories:** #ClientCommunication, #DigitalChange, #DigitalEngagement, #Onboarding, #PortfolioOptimisation, Market Trends
---
### [Democratising Wealth: A unique business opportunity to impact Wealth Management Today and Shape the Future](https://objectway.com/democratising-wealth-to-impact-wealth-management-today-and-shape-the-future/)
**Published:** December 7, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Democratisation of wealth means balancing the digitisation of client journeys, granting access to individualised investments and reducing operational costs
**Content:**
[  ](/market-trends)
###### DEC 07, 2022
# Democratising Wealth: A unique business opportunity to impact Wealth Management Today and Shape the Future
[Ramazan Celiköz](https://www.linkedin.com/in/ramazan-celikoz/)
Market & Business Development
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Customerjourney](/customerjourney/)[\#Portfoliomanagement](/portfolio-management-h/)[\#Onboarding](/onboarding/)[\#Clientrelationship]()
Objectway features The Wealth Mosaic Swiss WealthTech Landscape Report 2022 to dive deep into the democratisation of wealth, because one of the biggest changes within wealth management comes when profitably serving affluent and mass affluent clients becomes possible.
Why is this?
Decreasing margins in traditional private banking due to increased competition and changing client behaviour are forcing larger institutions to develop additional sources of income. Converting savers into investors by providing access to investment products promises more commission fees for banks.
The competitive landscape is changing just as well. Banks are faced with an increasing number of new challengers that are gaining momentum with customer-centric propositions targeting affluent and mass affluent investors.
The low-interest rate environment over many years has encouraged even the most loyal savings customers to look to investment-led products, offering higher returns to keep pace with rising inflation and beating conservative bank funds’ performance. Facing insufficient pensions has also led to a rethink among retail customers and forced them to make long-term investment plans instead of short-term savings.
Customers are becoming more demanding, requiring new investment products, diversity, and flexibility to tailor portfolios. In particular, there is a high demand to be aligned with ESG and ‘impact investing’ criteria.
These changes make it clear that the democratisation of wealth management is a result of evident customer needs. Indeed, more and more customers have the need for: access to investment products with higher returns, [individualised portfolios](/achieve-democratisation-through-personalized-investment-advisory-proposal/), advice, transparency of portfolio constitution and self-service tools to customise investments based on their own priorities and risk appetite.
How can banks respond to these changes and profit from them?
The democratisation of wealth management is about balancing the digitisation of client journeys, granting access to sophisticated individualised investments, and reducing operational costs via industrialisation. Hence, this transition could be managed along the following dimensions:
- Implement customer-centric technology and user journey
- Provide investment advice considering customer specialities
- Learn from client data and adopt processes
- Enhance automatisation and outsourcing
The opportunities and chances of offering wealth management services to mass affluent segments for banks are multifaceted if the implementation and operations costs are well-managed. - Convert saving customers to investment customers and create new revenues.
- Unlock new ‘risk-free’ customer segment with huge growth potential.
- Retain existing customers and increase their engagement.
- Increase market share.
- Improve customer satisfaction.
In this context, the companies that will survive will be those who are testo in grassettofast and client-oriented, use modern and reliable technology and have their cost-income ratio under control.
Digitising means enlarging the investment community and making services qualitatively accessible to everyone, regardless of invested assets. When we speak of digital revolution, we consider a fundamental, momentous shift in the sector, which is the democratisation of the service.
[Read the full report in collaboration with The Wealth Mosaic.](https://www.objectway.com/download-the-swiss-wealthtech-landscape-report-2022/)
**RELATED POST**
Market Trends
### Investment Democratisation: Ready, Steady, Go!
[](/investment-democratisation-objectway-at-am-tech-day/)
Podcast
### Democratizing Wealth
[](/podcast-series-wealth-democratisation/)
Video Interview
### AM Tech Day 2022: Democratising investment, risk or opportunity?
[](/kurt-vanhee-am-tech-day-2022-democratising-investment/)
**Categories:** #ClientRelationship, #CustomerJourney, #Onboarding, #PortfolioManagement, Market Trends
---
### [CX: A critical competitive differentiator in 2022 and beyond](https://objectway.com/the-importance-of-a-customer-centric-business-model-in-wealth-management/)
**Published:** November 17, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Excellent onboarding results in a seamless ecosystem where all the features are integrated, automated, digitalised and omnichannel, end-to-end.
**Content:**
[  ](/customer-experience/)
###### NOV 17, 2022
# CX: A critical competitive differentiator in 2022 and beyond
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
Director Of Client Services at Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#CustomerJourney](/owintalk/customerjourney)[\#ClientExperience](/owintalk/clientexperience)[\#Digitalisation](/owintalk/digitalisation)
Objectway were proud to have recently been part of the Global Wealth Tech summit in the first week of November bringing Wealth Managers, Private Banks and Asset Managers together to discuss the major challenges within the industry and what the future priorities look like.
We shared insights on a lively senior level panel discussing the importance of a ‘Customer centric business model in wealth management’.
Objectway’s recent research with senior executives from financial firms showed that improving the customer experience and adopting a customer centric business model was particularly high on the agenda, and firms believe that digital change will be critical in enabling this over the coming 12 months. At the same time, customers expressed a strong desire to improve their current hybrid offering.
For example, they stressed the need for a more dynamic portal and personalised interactions with their wealth managers. Digital transformation could enable the wow factor for customers in a number of ways; by making hyper personalised reports/educational information available on the customer portal, automating many back end processes to allow more time for the Investment manager to actually add value to their customer. Compeer’s end customer data shows that three quarters are actually more likely to speak to their wealth manager as technology improves, again stressing the importance of an effective hybrid wealth management offering between digital and face-to-face components.
So what are the main challenges to providing a customer centric business model?
The panel and audience discussed the need for a cultural shift and the need for the industry to effectively put themselves in the customers shoes much more as opposed to presuming what the customers want from a superior experience. Encouragingly, there has certainly been a positive change in this direction as many firms are conducting end client research and using a ‘customer first’ approach when designing end-to-end journeys. The panel mentioned the importance of creating ‘Wow moments’ or ‘moments of delight’ which should be a must have for future customer experience. These are likely to be the differentiating factor that determine whether a customer is likely to stay and refer their Wealth Management firm.
What’s more, the current legacy IT architecture which most firms are burdened with does not lend itself to efficient processes (let alone adding a personalised element). For example, there is often too much re keying of data, reliance on multiple disparate systems and resulting manual errors and significant time wasted on administrative tasks by people who could be adding value to their clients (if these tasks were automated). The panel also discussed the potential use of data analytics to know your customer better and be proactive in making recommendations. Most firms are at an early stage with respect to data analytics and we described how this may work via Objectway’s portfolio optimiser which uses customer preferences in an intelligent way to suggest tailored products/funds to the Investment Manager and/or the client.
What is possible through a customer centric approach?
The panel discussion focused on what can be achieved in practice through a customer centric approach and we discussed a real-life case study to demonstrate the impact technology change is having on customer experience and the resulting business metrics for Wealth Management firms here and now. For example, firms have seen a doubling of digital engagement as measured by use of client portal within 18 months of implementing a dynamic portal, which has also led to an increase of 25% of AUM (far outweighing market increase). Effective digitalisation has also resulted in an improvement of front office effectiveness as measured by more than 20% more clients per front office professional (largely due to automating processes). The outlook for improving customer experience is positive although a lot of work lies ahead.
**RELATED POST**
Analyst Research
### FORECASTING THE FUTURE: TECHNOLOGY AND INVESTMENT IN WEALTH MANAGEMENT
[](https://www.objectway.com/download-research-forecasting-the-future-technology-and-investment-in-wealth-management/)
Customer Experience
### Customer experience in wealth management: The battleground for growth?
[](/delivering-customer-experience-in-wealth-management-and-the-ability-to-scale/)
Customer Experience
### Fintech UX: Look & Feel for a Successful Customer Experience
[](/the-role-of-user-experience-in-the-fintech-industry/)
**Categories:** #ClientExperience, #CustomerJourney, #Digitalisation, Customer Experience
---
### [Customer experience in wealth management: The battleground for growth?](https://objectway.com/delivering-customer-experience-in-wealth-management-and-the-ability-to-scale/)
**Published:** November 1, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** We see an industry that will be undertaking some fairly significant technology investment as a means to get customer experience capability, and scale.
**Content:**
[  ](/customer-experience/)
###### NOV 1, 2022
# Customer experience in wealth management: The battleground for growth?
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
Director Of Client Services at Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#ClientExperience](/clientexperience/)[\#Customerjourney](/customerjourney/)[\#DigitalChange](/digitalchange/)[\#Hyperpersonalisation](/hyper-personalisation/)
Customer experience is king. The perception of its importance has changed dramatically over the past five years with a shift in focus from the back end and compliance to the front end in a quest to retain existing clients and attract new ones.
The struggle is real; research by Ernst & Young says that up to a third of clients will change their wealth manager over the next three years. Stats by Compeer are even more daunting. The research shows that up to 60% will consider leaving in the next 12 months if significant improvements to customer experience are not made firm thinks that up to 60% will leave.
Some of this is accounted for by natural churn due to inter-generational wealth transfer, but the majority of it is to do with customer experience. We think that this is the main battleground to retain and attract clients. Giving clients the feature-rich experience they want and deserve will influence whether they stay or go. Clients want a rich client portal that affords them all the features and functionalities they enjoy in their day-to-day lives in other areas like Netflix or Amazon. [Personalisation](/hyper-personalisation-a-real-differentiator-between-firms/) is key. They want a portal that recognises them, knows what they like and do not like, where their interests lie, and pushes them research and notifications accordingly.
Being able to provide this is of fundamental importance to wealth managers. If they are not looking at it, then they certainly should be!
Delivering Customer Experience and the ability to scale
Most wealth managers are aiming to improve their hybrid operating model. This process has been accelerated significantly due to Covid. The realisation that face-to-face and remote are not mutually exclusive and that you can have an option-channel provision that will suit everyone on some level is now real and critically important.
Obviously, for some things, a client just wants to log on and check something out. For others, they need a face-to-face in-depth talk but theirs is all that lies in between. A client might want a quick zoom meeting or just to get a notification about an exciting snippet of news or research.
For this reason, is not just the portal it is having a mobile app that is fit and ready to go the portal that is not just static but dynamic, rich in functionality, and easy to use and attractively designed.
The key to unlocking this is segmenting not on wealth but on what clients want to do over which channel or model. Obviously, those with more wealth tend to have more complex affairs, but they still need to check an address, upload a file, or similar. You do not always need to use a sledgehammer to crack a nut.
This helps to improve the customer experience to attract new clients and retain existing ones. But it also drives efficiency and scale. If the wealth manager has a dynamic system, they are able to deal with a greater number of clients and thus do more with less, adding scale through efficiency.
And this is a principle that can be applied elsewhere, too, notably [onboarding](/gain-competitive-advantage-switching-to-paperless-and-digital-client-onboarding/). The average time to onboard a client is eight weeks, which takes several stages. At best, it is an inefficient process, and at worst, it turns people away in much the same way as taking a week to turn around a relatively simple query about a portfolio. In addition, the intensity of the workflow, with it being manual, means that the scope for onboarding several people simultaneously is limited – this limits scope for scale.
Indeed, scale is the second part of the equation – it is no use being able to attract and retain clients if the cost to serve remains sky-high. There is a vast opportunity for operations to be improved and for the resulting scale that would be afforded, to add significantly to the bottom line. It is no surprise that lots of Private Equity Firms are interested in wealth management.
Although legacy architecture, not designed with APIs in mind, still abounds the technology to move on from manual excel sheets and data duplications does exist. So too, does the ability to procure and treat data at the back end so that it is fit for purpose at the front, delivering customer experience and the ability to scale.
Firms need to be sure that they have true front-to-back integration if they are to win the battle for customer experience and scalability.
We see an industry that will be undertaking some fairly significant technology investment as a means to get customer experience capability, and scale. We will start to see some fairly big projects as well as smaller tweaks to existing capabilities that are incremental and modular. In doing this, wealth managers will buy themselves the ability to win on experience, provide scale, and the correlation between IT spend, and profitability will invert.
**RELATED POST**
Customer Experience
### Onboarding beyond first encounters: A matter of Client Relationship
[](/onboarding-moves-beyond-in-the-overall-client-relationship/)
Research
### USING DIGITAL CHANGE TO ENABLE FRONT-OFFICE SCALABILITY
[](https://www.objectway.com/download-research-using-digital-change-to-enable-front-office-scalability/)
Customer Experience
### The ever growing importance of Customer Experience
[](/the-ever-growing-importance-of-customer-experience/)
**Categories:** #ClientExperience, #CustomerJourney, #DigitalChange, #HyperPersonalisation, Customer Experience
---
### [Change in Private Wealth Management](https://objectway.com/change-in-private-wealth-management/)
**Published:** October 26, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** The ‘3B’ model, B2B2B2C creates value for each level of the chain. The end result is widest distribution at optimised, shared low cost
**Content:**
[  ](/market-trends)
###### OCT 26, 2022
# Change in Private Wealth Management
[Alexander Cassar](https://www.linkedin.com/in/sandrocassar/)
Chief Business Development Officer
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Customerjourney](/customerjourney/)[\#Portfoliomanagement](/portfolio-management-h/)[\#Onboarding](/onboarding/)[\#Clientrelationship]()[\#DigitalChange](/digitalchange/)
Markets are changing
Wealth has seen exponential growth in the last 10 years. The value has been created to such proportions that this shifted the boundaries of population segments determined by incomes and assets; what was once ultra-high is now just high and what in the twentieth century was HNW is now called mass affluent.
Social demographic composition of these segments has changed just as well; what was old-aged is now middle-aged as those who retired in their late 50s or early 60s are now middle-aged people who still make decisions, use tools and go online, they have tablets and laptops and are very active in the investment market.
Also, they are already passing their wealth to the next generation and creating a big wealth transfer to the next, digitally native generation who does not only need digital interactions but shows a different attitude to wealth, where and how it should be invested and the responsibilities around investments.
WealthTech is changing
With so many new types of players on the market, WealthTech vendors must be able to have separate distinct offerings for different institutions. This is addressed by the proliferation of intermediary ‘platform’ businesses which package outsourced technology with a financial product ‘shelf’ and often with fully outsourced operations. This way, a multitude of smaller independent wealth managers can afford modern solutions on the shared platform without the cost of individual local deployment.
This ‘3B’ model, B2B2B2C, is increasingly popular and creates value for each level of the chain. The end result is widest distribution at optimised, shared low cost.
WealthTech’s changing role in the sector
Another direction WealthTech is evolving towards is the two-way relationship with the client industry of private banks and wealth management firms. With the explosive evolution of technology, FinTech providers, and WealthTech in particular, are going beyond responsive support and starting to drive change at the client organisation.
By providing previously impossible capabilities, modern solutions are pushing the envelope of business innovation, enabling new operating and business models, new products and services in a proactive mode.
Making Strategic Choices
The basic premise behind WealthTech providers making a strategic choice is the debate between specialisation and the universal service or product offering.
One is specialisation, where the vendor can choose to focus on its greatest strength and point solution, as these are commonly known in our industry, with a specific subject having a specific service and capability.
Alternatively, a vendor can aim to cover the entire front-to-back spectrum of wealth management, that is having a solution that satisfies all the possible needs of a client institution.
There is no right or wrong as WealthTech vendors must make these choices firmly and radically to drive their Go-To-Market strategy for the next three to five and more years.
Other strategic choices include the way the architecture is designed, and how the technology strategy is formulated: best-of-breed or one shop and there is a good reason for each of those.
[To discover more on the latest change in private wealth management access the full paper!](https://www.objectway.com/download-paper-change-in-private-wealth-management-alexander-cassar/)
**RELATED POST**
Market Trends
### Outperforming in 2022: Is the wind of change blowing in Wealth Management?
[](/outperforming-in-2022-is-the-wind-of-change-blowing-in-wealth-management/)
Digital Transformation
### Opportunities to leverage WealthTech solutions are growing and it’s time to catch them!
[](/opportunities-to-leverage-wealthtech-solutions-are-growing-and-its-time-to-catch-them/)
**Categories:** #ClientRelationship, #CustomerJourney, #DigitalChange, #Onboarding, #PortfolioManagement, Market Trends
---
### [INVESTMENT DEMOCRATISATION: READY, STEADY, GO!](https://objectway.com/investment-democratisation-objectway-at-am-tech-day/)
**Published:** October 20, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Accelerated investment democratisation trends require for keeping pace with digital innovation. That’s is not a matter of ‘if’, but only of ‘how’.
**Content:**
[  ](/market-trends)
###### OCT 20, 2022
# Investment Democratisation: Ready, Steady, Go!
[Kurt Vanhee](https://www.linkedin.com/in/kurtvanhee/)
Managing Director Continental Europe & North America
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#DigitalChange](/owintalk/digitalchange/)[\#Digitalisation](/owintalk/digitalisation/)[\#ClientExperience](/clientexperience/)[\#OpenFinance](/open-finance/)[\#OpenApi](/open-api/)
Our participation in the AM Tech Day by L’Agefi in Paris has been a valuable opportunity to share opinions and ongoing projects among industry peers around this edition’s topic: democratising investment.
Setting the scene
We’re currently operating in a fast-changing scenario, which is leading to massive asset shifts within the market. Global shocks are threatening the stability of financial markets. Furthermore, we see a growing segment of wealthy people: large assets are being transferred as the generation of heirs increases. Young and tech-savvy investors are entering into the market. In addition to all that, new asset classes like cryptocurrencies are arising, accelerating the democratisation of investments.
Such an environment has produced increased and strong competition in the wealth management and banking industry, together with accelerated innovation. Main drivers of this innovation are changing customer behaviors, tight regulation and new competitors entering in the market. Customers are nowadays looking for hybrid offerings, seamless, digital services and providers that incorporate expertise, perfect data management and analysis, and technology support.
Setting the competition
Neobanks are driven by this impulse for innovation. Their volumes of customers and transactions are growing year on year. This increase of market share can only be achieved through innovative services, since digital channels are their only way of communication with their clients.
To remain competitive, Wealth Managers and Private Banks are also investing in native front-end platforms for end-to-end client servicing, [hyper-personalised advisory and portfolio management](/the-future-is-hyper-personalised/) to support advisors and bankers in their relationship with clients. What Bill Gates already told back in 1997 “We need banking. We do not need banks anymore” is becoming true to a certain extent, as far as players in the investment market understand that it is not the question ‘if’ they should implement innovative digital investment solutions, but only ‘how’.
Setting the opportunity
The formula for success of innovation? Technology is fundamental. It’s all about relying on cloud to increase efficiency, scalability and resilience, simultaneously leveraging on a collaborative API ecosystem with an open platform approach, focusing on creating a unique customer journey with a high level of personalisation and using the treasure of data to the customer’s advantage along the entire value chain.
Traditionally, the investment world has excluded certain groups of investors. However, the digitalisation of investments has been charting a new course. The very nature of digitalisation is democratic: it makes the same quality of service accessible to everyone, every time and everywhere, regardless of the assets invested. When we talk about the digital innovation, we cannot avoid considering a fundamental change that it brings into the sector: the democratisation of service.
To find out more on the topic, you’re welcome to download the case study here and learn how we supported our client novobanco in their positioning strategy as a market innovator in investment services by democratising their wealth offering.
**RELATED POST**
Case Study
### LEVERAGING CENTRALIZED CLOUD MIFID II ADVISORY
[](https://www.objectway.com/download-case-study-leveraging-centralized-cloud-mifid-ii-advisory/)
Digital Transformation
### Digital to design personalised investment proposals, effectively
[](/achieve-democratisation-through-personalized-investment-advisory-proposal/)
Success Stories
### Leading the way in investment services
[](https://www.objectway.com/leading-the-way-in-investment-services/)
**Categories:** #Api, #ClientExperience, #DigitalChange, #Digitalisation, #OpenFinance, Market Trends
---
### [Onboarding beyond first encounters: A matter of Client Relationship](https://objectway.com/onboarding-moves-beyond-in-the-overall-client-relationship/)
**Published:** September 15, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Excellent onboarding results in a seamless ecosystem where all the features are integrated, automated, digitalised and omnichannel, end-to-end.
**Content:**
[  ](/customer-experience/)
###### SEP 15, 2022
# Onboarding beyond first encounters: A matter of Client Relationship
[Marianna Vilardi](https://linkedin.com/in/marianna-vilardi-1bb057163/)
Marketing Content Creator
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#DigitalEngagement](/digital-engagement)[\#Clientrelationship]()[\#Onboarding](/onboarding/)[\#DigitalAdvisory](/digital-advisory/)
At the very beginning there was onboarding, soon onboarding turned into relationship, relationship turned into partnership, and everyone lived happily ever after. Not your usual fairy tale, yet, talking more business wise, every wealth management firm would love to tell such a success story – and upload it on its website.
The thing is, not every story has a happy ending, and while some firms succeed in this venture, others simply do not. Why? And where can wealth managers take action? Let’s start from the very beginning.
What to better bear in mind
Onboarding happens early – not to say originally – in the overall [client relationship](/a-new-digital-paradigm-for-client-onboarding/), true, but it definitely sets the stage for future developments: experience, engagement, trust, loyalty, partnership.
If it satisfies expectations, the clients will most likely go on in the process of building a relationship, starting with the right foot. If it’s “average”, then there’s 50% of chances that the client will carry on the relationship (and other 50% he will not) but reserving the chance to switch provider if the next steps of the relationship do not meet certain criteria. If it’s considerably below expectations, then the client will probably leave before the real conversation has even started. In short, it’s a make or break in terms of client relationship and expectations seems to be moving the needle.
Mixing apples and oranges
Looking back in time, for years before Covid-19 onboarding has been paper-intensive and involving different internal teams, typically leading to a slow process that could take days, or even weeks and everyone were roughly ok with that. Now clients’ expectations have extensively changed, keep evolving at a rapid pace and are further shaped by an increase in service comparison beyond the scope of peer financial providers. Consumers are today accessing more services than ever before – we are talking retail, travel brands, brands like Amazon, Netflix etc. – and experiencing ease of use, extreme efficiency, quick delivery. Yes, they are mixing apple and oranges, but at the end of the day they set them all side by side, measuring to what extend they successfully meet their expectations of simple, paperless, fast processes, omnichannel accessibility and won’t settle for anything less. Wealth management firms cannot afford to fall short on this!
Let the frontmen take their chances
As the front-line process in the relationship with your next client, excellent onboarding results in a seamless ecosystem where all the features – biometrics, ID wallets, e-signature, risk profiling etc. – are integrated, automated, digitalised and omnichannel, end-to-end. It means customers would be able to interact with the advisor via their smartphone, laptop or any channel of their choice, or pause the onboarding process and resume the journey exactly where they left off, anytime. Automation will minimise significantly manual processes, so that key information is entered only once and managed directly via an automated workflow from application to application, this way avoiding repetitive actions for the clients and errors that may result from data replication and handovers between internal teams.
[For advisors, automation will result in accelerated processes](/investor-relations-why-switching-your-financial-advisor/), making it easier to onboard more clients in fewer steps, cost and time savings, increased productivity and enhanced process efficiency.
Beyond first encounters then, onboarding is really a matter of client relationship and needs to be considered part of a bigger client experience and technology is the fuel that makes it glow – when it’s state of the art.
**RELATED POST**
Customer Experience
### The ever growing importance of Customer Experience
[](/the-ever-growing-importance-of-customer-experience/)
Digital Trasformation
### Gain a sky-high competitive advantage with an end-to-end digital client onboarding
[](/gain-competitive-advantage-switching-to-paperless-and-digital-client-onboarding/)
**Categories:** #ClientRelationship, #DigitalAdvisory, #DigitalEngagement, #Onboarding, Customer Experience
---
### [The ever growing importance of Customer Experience](https://objectway.com/the-ever-growing-importance-of-customer-experience/)
**Published:** September 13, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway at Customer Experience in Financial Services attended by Wealth Management firms dealt with the importance of hybrid wealth management offering
**Content:**
[  ](/customer-experience/)
###### SEP 13, 2022
# The ever growing importance of Customer Experience
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
Director Of Client Services at Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#ClientExperience](/owintalk/clientexperience//)[\#CustomerJourney](/owintalk/customerjourney/)[\#DigitalChange](/owintalk/digitalchange/)[\#Onboarding](/owintalk/onboarding/)
Objectway were proud to have recently presented at the Industry event focused on Customer Experience organised by Arena International and attended by senior managers from Wealth Management firms and Financial Institutions in general in London.
The topic is a particularly pertinent one and the importance of customer experience and a hybrid wealth management offering was firmly under the spotlight during the pandemic as wealth managers saw an uptake in digital engagement of more than 10X from their customers (Oliver Wyman, Global Wealth Report, 2020).
This level of attention and digital engagement continues and according to Gartner, more than 8 out of 10 Financial Institutions will compete mostly or solely on the basis of customer experience. This makes CX a critical competitive differentiator in 2022 and beyond.
Objectway’s recent research with senior executives from financial firms showed that improving the customer experience was particularly high on the agenda in terms of digital transformation projects over the coming 12 months.
For example, firms were committed to improving suitability with a view to ensuring portfolios matched the clients’ requirements and risk levels, and having the ability to make real time investment recommendations based on these customer preferences. At the same time, customers expressed a strong desire to improve their current hybrid offering.
They stressed the need for a more dynamic portal and personalised interactions with their wealth managers. Digital transformation could enable the Wow factor for customers in a number of ways. For example, by making hyper personalised reports/educational information available on the customer portal, automating many back-end processes to allow more time for the Investment manager to actually add value to their customer.
Compeer’s end customer data shows that three quarters are actually more likely to speak to their wealth manager as technology improves, again stressing the importance of an effective hybrid wealth management offering between digital and face to face components. The data also offers a stark warning for firms who do not react and get this right as up to 60% of customers will look for another provider within 12 months if improvements are not made. This is also echoed by E&Y who predict a third of clients leaving their incumbent wealth management firm over the coming 3 years as part of the intergenerational wealth transfer and the desire to move to a more digital savvy personalised firm.
So, what are the main hurdles for firms to be able to offer this effective hybrid solution, one which is easy to use and enables a personal service?
The current legacy IT architecture which most firms are burdened with, does not lend itself to efficient processes, let alone adding a personalised element.
There is often too much re keying of data, reliance on multiple disparate systems and resulting manual errors and significant time wasted on administrative tasks by people who could be adding value to their clients, if only these tasks were automated.
The outlook here is actually a positive one and the scenario should change in the near future as Objectway’s discussions and many industry reviews show the majority of firms, 7 out of 10, are currently changing their systems opting for a more modern modular open architecture.
Effective integration and STP are an important driver for this which will ultimately enable a better experience for the end customer.
The market is also looking at changing front end, client facing technology to introduce more functionality and attempting to provide a more personalised experience.
To mention, integrating a state of the art portal with their investment management solution and uploading information based on the clients preferences. Again, based on a customers’ ESG preference, education on the latest green bonds, news on projects to reduce carbon footprint, invites to webinars on the impact of ESG etc. can be made available. The use of data and analytics was mentioned and discussed at the event and although firms have made a start in this area, there is still a long way to go and improving the IT architecture certainly takes priority for now.
Customers have made it clear that they must have a better experience or else they will leave to find it somewhere else. Firms have recognized this and are using technology change to enable a better experience. Objectway concluded by discussing a case study to demonstrate the impact technology change is having on customer experience and shared insights on what is possible. The future outlook for improving customer experience is positive although a lot of work lies ahead.
If you would like to find out more about our presentation please get in touch writing at mktg@objectway.com or read the full research “[**Forecasting the Future: Technology And Investment In Wealth Management**](https://www.objectway.com/download-research-forecasting-the-future-technology-and-investment-in-wealth-management/)”.
**RELATED POST**
Customer Experience
### Future forecast: customer experience in Wealth Management
[](/customer-experience-in-financial-services-2022-london-conference/)
Digital Trasformation
### Forecasting the future: How and why will technology enable change in the Wealth Management sector?
[](/forecasting-the-future-how-and-why-will-technology-enable-change-in-the-wealth-management-sector/)
Digital Transformation
### Using digital change to enable front office scalability
[](/using-digital-change-to-enable-front-office-scalability/)
**Categories:** #ClientExperience, #CustomerJourney, #DigitalChange, #Onboarding, Customer Experience
---
### [Future forecast: customer experience in Wealth Management](https://objectway.com/customer-experience-in-financial-services-2022-london-conference/)
**Published:** September 1, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Top tech priorities for wealth firms are client onboarding, servicing and suitability, but they have to deal with infrastructure inefficiency, proving the ROI.
**Content:**
[  ](/customer-experience/)
###### SEP 01, 2022
# Future forecast: customer experience in Wealth Management
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
Director Of Client Services at Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#ClientExperience](/owintalk/clientexperience//)[\#CustomerJourney](/owintalk/customerjourney/)[\#DigitalChange](/owintalk/digitalchange/)[\#Onboarding](/owintalk/onboarding/)
[\#ClientExperience](/clientexperience/)[\#Customerjourney](/customerjourney/)[\#DigitalChange](/digitalchange/)[\#Onboarding](/onboarding/)
On September 6th, we’ll have the pleasure to deliver a presentation at the the inaugural in person Customer Experience in Financial Services conference, in London.
The event will offer a dedicated space to explore next-level thinking and innovation transforming how the sector delivers excellence in client service.
CLIENT AT CENTER STAGE
In our latest research report commissioned to bespoke research services specialist Compeer, wealth firms were asked to rate their most important technology priorities over the next 12 months.
[Client onboarding](/gain-competitive-advantage-switching-to-paperless-and-digital-client-onboarding/), servicing and suitability gained the highest scores.
The push for straight through digital onboarding is driven by the need to remove inefficiencies for relationship managers, since the majority of friction in this process can be hidden from clients, but at the cost of significant manual intervention behind the scenes.
Firms are also looking for ways to supplement the high touch service they provide with better client digital services, and give clients choices of how and when they interact with their wealth managers, whether improvements come through the client portal, mobile app, onboarding.
Automation is being looked at to provide more reliable and more regular reviews of client suitability.
The costs of compliance are creating a mounting pressure across the industry. Increasing the efficiency of dealing with the burden of regulation will relieve this pressure by reducing costs while also reducing error rates and lowering risk.
THREATS PREVENTING A BETTER CX
To comply with the pressing clients’ demand for a more personalised digital experience, accessible on demand anywhere, anytime, wealth firms have on the one hand to face the threath of digital savvy competitors, and on the other hand to deal with the inefficiency of their IT and operations, such as legacy infrastructure, multiple integration layers and manual workarounds, and lack of scalability.
A lack of functional and flexible technology prevents many firms from achieving their growth targets. As such, their focus is to replace these outdated systems to drive productivity, enable scalability and enhance the client experience.
UNCERTAIN OF THE BUSINESS BENEFITS?
The return on investment into technology can be soft, making it difficult to put a monetary value to the benefits created. Without a clear end goal, setting a clear roadmap becomes even more challenging.
This is why we will be showcasing a real [case study](https://www.objectway.com/download-case-study-how-to-become-a-leading-digitally-enabled-wealth-manager/) on how a UK Wealth Manager improved their customer experience and drove growth and efficiency through digital enablement, adding facts and figures outlining the status quo, the objectives and priorities of private wealth management firms in their road towards CX excellence.
At our booth, you’ll find a special and tasty gift! We’re looking forward to meeting you in London: book your attendance [HERE!](https://www.eventsonlineregister.com/)
**RELATED POST**
Customer Experience
### Fintech UX: Look & Feel for a Successful Customer Experience
[](/the-role-of-user-experience-in-the-fintech-industry/)
Analyst Research
### FORECASTING THE FUTURE: TECHNOLOGY AND INVESTMENT IN WEALTH MANAGEMENT
[](https://www.objectway.com/download-research-forecasting-the-future-technology-and-investment-in-wealth-management/)
Case Study
### HOW TO BECOME A LEADING, DIGITALLY-ENABLED WEALTH MANAGER
[](https://www.objectway.com/download-case-study-how-to-become-a-leading-digitally-enabled-wealth-manager/)
**Categories:** #ClientExperience, #CustomerJourney, #DigitalChange, #Onboarding, Customer Experience
---
### [Objectway is live on Instagram. We are expanding our digital community!](https://objectway.com/objectway-is-now-live-on-instagram/)
**Published:** July 26, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** For Millennials and Gen Z Instagram is the place to get informed and motivated. It’s the key to unlock fintech today to the clients of tomorrow.
**Content:**
[  ](/about-objectway)
###### JUL 26, 2022
# Objectway is live on Instagram. We are expanding our digital community!
[Marianna Vilardi](https://linkedin.com/in/marianna-vilardi-1bb057163/)
Marketing Content Creator
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
A Fintech on Instagram. Why and why now?
It’s no news that people’s – whatever age – attitude to money, buying, investing even applying for a job, has changed in the last two to three years. It’s not only the attitude that has changed but also the overall perspectives and nature of the options available: the trend for products’ offering is nowadays to meet certain criteria – sustainability to name one –, job opportunities have shifted from more traditional career paths to STEM careers – science, technology, engineering, mathematical -, roles dealing with fintech, crypto etc.
Demographics are changing just as well as more women are entering the industry and a new generation is taking its first steps into the whole world of investing and applying for increasingly technological and fintech careers.
What has not changed yet exponentially grown within a hyper-digitalised world is the need for relevant fintech literacy – but in a new curriculum that reflects avant-garde financial brands, fintechs, banks and wealth management firms.
And here comes the question you may be wondering: why Instagram and why now? Isn’t that only for image-heavy B2C industry? Do fintech brands really belong on Instagram or is it a fad?
Agree or not, Instagram is no longer exclusive territory of B2C and what used to be a serious, mostly uncreative industry – the good old B2B – is becoming increasingly innovative and inspiring. What’s more, Instagram itself evolved its nature of photo sharing app to nearly a new browser where to look for every kind of information you may need. And you don’t even have to type and search for them, they come to you via your preferred information provider.
Today, Instagram is the place to be, no doubt, no matter the industry and for Millennials and Gen Z it’s the place to get informed and motivated. It’s the key to unlock fintech today to the clients of tomorrow.
Millennials population: They’re smart. They’re savvy. They’re investing. Gen Z population: They strive for the extraordinary. They are inundated with information, yet selective and not loyal to any brand. They are joining the workforce and entering the workplace. They are saving. And they’re all using social media to learn about finance, to be up to date with the latest business news and why not to gather tips on how to spend their money.
Data worth mentioning – because after all it’s finance we are talking about – comes from [Pinterest Predicts](https://business.pinterest.com/en/pinterest-predicts/2022/finpowerment/) report 2022, forecasting financial literacy and financial independence to be trending for their users. Indeed, search terms about financial literacy rose rapidly at the end of 2021 on Pinterest:
Investment tips: +195%, Financial Planning bullet journal: + 90%, Financial education: +55%, Investment property for beginners: +45%, Passive income tips: +35%.
And if this is the case for Pinterest, it appears that the majority of Gen Z and Millennials intentionally search for fintech-related contents online or through social media.
In Objectway we are thinking out of the box with a fresh perspective and stepping up to bring closer and attract millennials, Gen Z and 1 billion users to the world of Fintech, offering a mix of contents in an easy, quick swipe. We are designing our communication differently and looking at Instagram as the new platform for information, planting the seeds to grow awareness, interest and add a bit of glow to fintech literacy.
From our [blog articles](https://www.instagram.com/p/CfoGpFjN-Ea/) – in a whole new light – to financial pills [“at first sight”](https://www.instagram.com/p/Cf_ZDn-M3wX/), breaking down barriers and harsh topics. The [OW Saga](https://www.instagram.com/p/CfbXNLasirk/) column will dive right into the Objectway journey, our journey, through years and goals and as wonders never cease, there’s much more to come.
If Instagram has been mostly uncharted territory in the world of finance, we pave the way to make it work, informative and creative.
Stay tuned – and don’t forget to follow [objectway\_group](https://www.instagram.com/objectway_group/) on Instagram.
We are just getting started!
**RELATED POST**
Instagram
### Objectway\_group
[](https://www.instagram.com/objectway_group/)
Market Trends
### Delivering superior financial literacy to your clients: the limelight of contents
[](/delivering-superior-financial-literacy-to-your-clients-the-limelight-of-contents/)
Market Trends
### Gen Z: How to win the next generation of wealth? Key opportunities revealed
[](/gen-z-how-to-win-the-next-generation-of-wealth-key-opportunities-revealed/)
**Categories:** About Objectway
---
### [Gain a sky-high competitive advantage with an end-to-end digital client onboarding](https://objectway.com/gain-competitive-advantage-switching-to-paperless-and-digital-client-onboarding/)
**Published:** July 21, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Wealth Managers are working on a frictionless digital client onboarding, abandoning legacy technology and leveraging on automated, agile processes.
**Content:**
[  ](/customer-experience/)
###### JUL 21, 2022
# Gain a sky-high competitive advantage with an end-to-end digital client onboarding
[Marianna Vilardi](https://linkedin.com/in/marianna-vilardi-1bb057163/)
Marketing Content Creator
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Digitalengagement](/digital-engagement/)[\#Clientrelationship](/client-relationship/)[\#Clientexperience](/clientexperience/)[\#Onboarding](/onboarding/)
Let’s recall once again what’s going on within the wealth management industry.
The unprecedented rate of change that has been experienced had customer expectations evolving at an even faster pace and considering the demand for digital solutions is sky high, digital leaders’ market share is rapidly, sustainably growing.
Wealth managers are therefore already answering to those changes, that are now everyday arena, increasingly adopting digital first policies, working on a frictionless, fully digital client onboarding, turning their back to legacy technology and taking on an automation-driven and agile approach to business and processes. And this digital phenomenon – rather than transformation at this point – is not just happening on the outside, but also within organisations [switching to paperless](/attracting-ifas-assets-with-a-digital-first-advice-model/).
Although many live this reality to the fullest, others hesitate to offer full digital services end-to end and still run multiple crucial processes on a paper base. [Client onboarding](https://www.objectway.com/customer-enablement/) is just one of them, yet probably the most important – it’s the first date with your digitally mature customer, and if it goes wrong, well there’s no need to have another one. And efficiency problems are no less than the red flag. Failing to deliver a seamless customer experience across the journey causes customers to walk straight to another firm, offering a better service.
It’s not just a matter of real time services though, but rather leaving aside unnecessary costs and reducing operating ones for the firm, boosting efficiency and productivity.
Also, digital onboarding opens up to a broader client target who takes as read that account information, documents, and reports will be accessible online and via mobile devices. And expectations grow even greater considering that today customers can start their onboarding journey – whatever kind – anywhere (a homepage, an Instagram post etc.) and interrupt it at any time to then continue where they left off thanks to omnichannel solutions.
Additional reasons why are error minimisation, improved compliance and accelerated back-office processing, together with improved data integration – client data can be imported from CRMs and other systems thanks to paperless systems.
Eventually, all this may lead to reach the bigger goal of the bigger picture: to improve customer experience and retention.
**RELATED POST**
Customer Experience
### A new digital paradigm for client onboarding
[](/a-new-digital-paradigm-for-client-onboarding/)
Advisory
### Attracting IFAs assets with a digital-first advice model
[](/attracting-ifas-assets-with-a-digital-first-advice-model/)
Objectway
### ATTRACTING IFAS ASSETS
WITH A DIGITAL-FIRST ADVICE MODEL
[](https://www.objectway.com/download-case-study-attracting_ifas_assets_with_a_digital-first_advice_model/?lang=en)
**Categories:** #ClientExperience, #ClientRelationship, #DigitalEngagement, #Onboarding, Customer Experience
---
### [Fintech UX: Look & Feel for a Successful Customer Experience](https://objectway.com/the-role-of-user-experience-in-the-fintech-industry/)
**Published:** July 19, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** The user experience is playing a crucial role in the fintech industry as an integral component of the customer experience.
**Content:**
[  ](/customer-experience/)
###### JUL 19, 2022
# Fintech UX: Look & Feel for a Successful Customer Experience
[Marianna Vilardi](https://linkedin.com/in/marianna-vilardi-1bb057163/)
Marketing Content Creator
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#DigitalEngagement](/digital-engagement)[\#Clientrelationship]()[\#ClientExperience](/clientexperience/)[\#Onboarding](/onboarding/)[\#Customerjourney](/customerjourney/)
Fair enough, the fintech industry has experienced extreme transformation, navigating the digital age, and the latest introduction of investing apps and super apps, together with the entry of challenger banks and neo banks has certainly not untangled today’s complex fintech scenario.
Digital-first, agile firms got the better of those that simply “sticked to themselves”, throughout recent transformation and disruption, and what’s more it’s now obvious that there’s an additional target persona with new expectations, demanding digital, hyper-personalised and seamless experiences.
Clearly, competition could not but grow significantly across advisory, offering, [investment proposals design](/achieve-democratisation-through-personalized-investment-advisory-proposal/), even branding. Yet, customer experience remains the field of the fiercest battles, those that determine who wins and who loses. We are never done speaking about it, dissecting it, improving it, discovering all hidden facets, and in times when the bar is raised even higher, we keep making it better.
Dynamise the ultimate Fintech User Experience
Lately, new interfaces have been developed, products and platforms have been redesigned to favour intuitive interaction, websites have been rebranded to be eye-appealing or even reproduced from scratch to facilitate user experience. And even those who already had a best-in-class designed platform or solution, have question themselves on how to make it look greater.
Companies, marketing and product specialist and directors and designers have more deeply looked into the role the user experience is playing in the fintech industry as an integral component of the customer experience. After all, we all look and feel before buying, no matter the product, no matter the industry.
The challenge is even harder now; boundaries between industries have faded and competition is no longer limited to typical peer rivals. Customers now not only value the look & feel but make comparisons with Netflix, Spotify, Airbnb, to name a few.
Now, Fintechs are in the game and playing, making sure both potential and current clients have a fast, intuitive, dynamic user experience. When it comes to digital onboarding, ease of use is paramount, and when it comes to investment advisory solutions, [personalisation](/hyper-personalisation-a-journey-deep-into-customers-mind/) is at the very heart, with an extensive yet efficient data examination to provide tailored suggestions and recommendations to respond to specific objectives, beyond traditional, beyond hypothetical.
But there is more indeed, wealth and asset management companies are taking care of the aesthetics of UI, looking at a distinctive design and layout, stylish colours, fonts, design system as the first drivers of attractiveness and customer satisfaction, particularly as emerging demographic of HNWIs are targeted.
At the end of the day, user experience alone is not enough, but adds the sparkle that makes your customer experience truly shine. Customer experience and user experience must walk hand in hand and work together throughout the customer journey to design and own a consolidated vision and experience. Because love at first sight does exist, but to be long-term, you need to cultivate it.
**RELATED POST**
Customer Experience
### How Emotional Design fits inside a great CX
[](/how-emotional-design-fits-inside-a-great-cx/)
Customer Experience
### Leveraging a strong UXD process to gain your client’s trust
[](/leveraging-a-strong-uxd-process-to-gain-your-clients-trust/)
**Categories:** #ClientExperience, #ClientRelationship, #CustomerJourney, #DigitalEngagement, #Onboarding, Customer Experience
---
### [Vincere le sfide attuali e condividere esperienze per formare oggi le competenze del futuro](https://objectway.com/approfondire-la-formazione-finanziaria-per-crescere-nel-futuro/)
**Published:** July 5, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** In Objectway crediamo nel valore delle esperienze e della formazione per le nostre persone, per vincere le sfide del futuro
**Content:**
[  ](/about-objectway)
###### JUL 05, 2022
# Vincere le sfide attuali e condividere esperienze per formare oggi le competenze del futuro
[Alessandra Caleca ](https://www.linkedin.com/in/alessandra-monica-caleca-b1b1a923/)
Senior business analyst, Objectway
[Carlo Ausoni](https://www.linkedin.com/in/carlo-ausoni/)
Senior Business Analyst, Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#DigitalAdvisory](/digital-advisory/)[\#Openfinance](/open-finance/)
In un panorama lavorativo e digitale in continuo cambiamento ed innovazione, la formazione è un acceleratore di apprendimento; è un valore, ed in quanto tale consente a chi la riceve non solo di ampliare il proprio bagaglio culturale, ma anche di aprire la mente e di restare al passo con i tempi, che, in una società dinamica come la nostra, evolvono con estrema rapidità.
Ricevere formazione è fondamentale a qualunque età e livello. Altrettanto importante è condividere con gli altri collaboratori del gruppo l’esperienza culturale e professionale acquisita, perché la condivisione è indispensabile anche per una crescita collettiva.
Comprendere ed approfondire tematiche finanziarie su cui ci si è spesso ritrovati a discutere con colleghi e Clienti è l’obiettivo principale del corso “Strumenti di finanza quantitativa” in collaborazione con Greta, al via per la prima volta quest’anno che ci ha inoltre dato l’opportunità di osservare il mondo della finanza da diverse e più ampie prospettive ed approfondire la conoscenza della materia, apportando così un valore ancora maggiore all’esperienza formativa.
Inoltre, la possibilità di avere una visione delle aree collaterali alle nostre – ambiti in cui non lavoriamo direttamente – è stata di ulteriore arricchimento; poiché un’organizzazione è costruita su operazioni ed aree concatenate che camminano di pari passo le une rispetto alle altre è necessario un maggiore approfondimento per una migliore e più globale comprensione delle problematiche.
Questo approccio risulta particolarmente utile per un Business Analyst che voglia effettivamente fare da tramite tra la cosiddetta area di Business, che esprime i requisiti, e l’area tecnica, che si occupa del disegno e delle implementazioni software atte a risolvere le esigenze della prima.
Nello specifico, sono stati inizialmente trattati elementi di statistica ed è stata fatta una panoramica sui principali strumenti finanziari e i loro mercati di trattazione per poi proseguire con argomenti di finanza quantitativa quali l’analisi delle performance e la costruzione di un portafoglio utilizzando la frontiera efficiente di Markowitz.
Tuttavia, non ci si è limitati alla mera spiegazione teorica, ma si sono sempre cercati dei riferimenti e degli esempi pratici sui temi discussi in modo tale che tutti potessero comprendere al meglio quanto esposto confrontandolo con quanto affrontato a livello professionale, ciascuno con il proprio background.
È chiaro che le tematiche trattare non saranno direttamente all’ordine della giornata lavorativa per tutti i partecipanti al corso, ma averle approfondite aiuterà a interagire con maggior consapevolezza sia con i colleghi che se ne occupano quotidianamente, sia in fase di discussione dei Business Requirement con i Clienti.
**RELATED POST**
About Objectway
### Ow Academy: Il training diventa smart
[](/ow-academy-il-training-diventa-smart/)
About Objectway
### Working our way back to the office: a hybrid model to reopen safely
[](/working-our-way-back-to-the-office-a-hybrid-model-to-reopen-safely/)
About Objectway
### Objectway to GROW: Goals, Reality and Opportunities that will chart the Way Forward
[](/objectway-to-grow-goals-reality-and-opportunities-that-will-chart-the-way-forward/)
**Categories:** About Objectway
---
### [Forecasting the future: How and why will technology enable change in the Wealth Management sector?](https://objectway.com/forecasting-the-future-how-and-why-will-technology-enable-change-in-the-wealth-management-sector/)
**Published:** June 30, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** The investment scope is widening and banks increasingly open up to all those who want to invest, this way democratising investment
**Content:**
[  ](/digital-transformation)
###### JUN 30, 2022
# Forecasting the future: How and why will technology enable change in the Wealth Management sector?
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
Director Of Client Services at Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#DigitalChange](/owintalk/digitalchange/)[\#Digitalisation](/owintalk/digitalisation/)[\#ClientExperience](/owintalk/clientexperience/)[\#HyperPersonalisation](/owintalk/hyper-personalisation/)
Objectway was proud to sponsor Compeer’s recent flagship Yearly Review conference, which decision makers rely on to discover the key business performance trends.
The wealth management industry is expected to undergo an unprecedented amount of digital change over the coming 12 months with the majority of firms intending to change at least part of their IT architecture. This change has undoubtedly been accelerated by the pandemic, and according to research with senior wealth managers conducted by Objectway, investment in IT change is predicted to remain above pre pandemic levels over the next 24-36 months.
Technology is being viewed as very important or critical in enabling Wealth Managers to accomplish their main business objectives of achieving scale, improving front office efficiency and attracting new clients.
Objectway’s in depth research with firms highlighted the chief priorities for technology change – in line with their objectives above – in the near future with the most important being a focus on replacing legacy technology.
Firms are trying to simplify their IT and ‘future proof’ the business, make it ready for future integrations in an open platform architecture in case they offer new products and solutions without the need for a complex overhaul of systems and without the need for many manual interventions.
Client demands have changed, and their digital experience is now a real differentiator between firms and a personalised experience is seen as a reason to stay with or choose another firm by at least 60% of clients. As a result, firms will try and ensure that their digital channels are fit for purpose when it comes to delivering a great overall client experience. In this regard, there is also a focus on improving client portals to offer a [personalised experience]("/hyper-personalisation-a-real-differentiator-between-firms/) to clients where they can access tailored information at any time on any device as well as having secure messaging, chat, video, to collaborate with their advisors. Client suitability is also seen as an area that requires improvement and firms want to be able to offer real time risk alerts when suitability is/could be breached as well as real time rebalancing to ensure client mandates are met effectively.
So what does the current state of the industry look like and where are we headed?
Data shows that most firms in the industry are not scalable year on year. One of the main reasons for this is inefficient IT and Operations. IT costs as a % of total revenue vary significantly across the industry. The median is close to 10% however the range is from <6% to >30%! Indeed, there is a negative correlation between IT spend and profitability in general. As firms are addressing the issues of legacy IT causing inefficiencies, this relationship is likely to inverse to a positive one in the years to come. Interestingly and somewhat of a relief is seen in the existing relationship between IT spend and front office productivity. Here we can see a positive correlation which suggests that investment in client engagement and investment management solutions are producing positive outcomes. Again, with all the activity in the coming months one would think that this relationship will become even more pronounced in the years to come. There is also a shift in the market to consider flexible modular architecture as opposed to a one size fits all approach which may lead to shorter, less painful change programmes where the ROI can be felt more rapidly.
Overall, there is a massive opportunity in the sector to improve efficiency and scalability through digital change and we are likely to see this translate into much more positive industry statistics in the future.Read the full research in collaboration with Compeer identifying the key changes in wealth management firms’ digital strategies and their impact on client services.
**RELATED POST**
Digital Transformation
### Opportunities to leverage WealthTech solutions are growing and it’s time to catch them!
[](/opportunities-to-leverage-wealthtech-solutions-are-growing-and-its-time-to-catch-them/)
Digital Transformation
### Unlocking the future potential from WealthTech
[](/unlocking-the-future-potential-from-wealthtech/)
Research
### Forecasting the future: technology and investment in wealth management
[](https://www.objectway.com/download-research-forecasting-the-future-technology-and-investment-in-wealth-management/)
**Categories:** #ClientExperience, #DigitalChange, #Digitalisation, #HyperPersonalisation, Digital Transformation
---
### [Digital to design personalised investment proposals, effectively](https://objectway.com/achieve-democratisation-through-personalized-investment-advisory-proposal/)
**Published:** June 28, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** The investment scope is widening and banks increasingly open up to all those who want to invest, this way democratising investment
**Content:**
[  ](/digital-transformation)
###### JUN 28, 2022
# Digital to design personalised investment proposals, effectively
[Alexandra Tostões](https://www.linkedin.com/in/alexandra-tost%C3%B5es-914330/)
Head of Advisory Service at Novobanco
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#DigitalChange](/owintalk/digitalchange/)[\#Digitalisation](/owintalk/digitalisation/)[\#ClientExperience](/owintalk/clientexperience/)[\#HyperPersonalisation](/owintalk/hyper-personalisation/)[\#DigitalAdvisory](/owintalk/digital-advisory/)
Customer centric journey is a multi-sided concept, simultaneously linked to digital transformation and very own clients’ feelings but to be walked through a complex business environment where the investment scope is widening and banks increasingly open up to all those who want to invest, this way [democratising investment](https://objectway.simplecast.com/episodes/s07e01-democratizing-wealth-there-is-a-wind-of-change-blowing-in-wealth-management-zBaEJb5P).
Objectway and Novobanco participated together with a joint speech at the Reinvent Forum organised by Qorus, investigating the key transformations happening in the market – evolving digital platforms for advisory, changing regulations etc. – and how to make use of digital for investment proposals’ design.
Challenges to win
The contemporary scenario poses two main, big challenges:
- The regulatory environment; MIFID II implementation imposed greater responsibilities and regulatory requirements, within the scope of Governance, Distribution and Monitoring on investment services and products. A retail banking with more than 400 agents can easily interact in 400 different ways with customers. So, the distribution strategy could only be one: Advisory service.
- The clients; an elderly universe of clients, typically conservative and with scarce to null financial literacy where proximity is key.
On the other hand, a new generation of clients is rising with their own needs and wants to be provided with digital solutions to invest. But how many have the knowledge to do it alone? How long will they have to analyse market trends, and sites with 4000 funds?
Novobanco wanted to position as the advisory bank for retail clients, reaching out to all those who want to invest, thus democratizing investment through advisory, which is our differentiating point.
Challenges won
To win these challenges, Novobanco decided to look for a partner to develop the advisory service that would supports each customer need and objective on his investment abilities and preferences. Objectway provided a shielded regulatory framework, a technological platform to manage asset allocation and risk, that coupled with advisor’s proximity and support towards the clients due to the bank own geographic dispersion leads to the creation of a [hybrid advisory model](/digital-advisory/) where is delivered personalised proposals and achieve democratisation.
The first Go Live was done in 4 months, a simple solution was provided to advisors and clients, all the information that allows the former to support the investment decision of the latter by delivering a [personalized advisory investment proposal](https://www.objectway.com/download-case-study-leveraging-centralized-cloud-mifid-ii-advisory/). Clients want to manage their investments but with a recommendation adjusted to them specifically, to their profiles, objectives and at end for them to be able to choose and decide for their preferences.
So next step was integration of the customers portfolios, enabling a look through on the customer portfolio, allowing even more personalization as final portfolio recommended will considerer the client decisions regarding its initial portfolio, new products to add to the portfolio and all decisions that the client takes upon the bank recommendation but, the delivery of the Proposal will be subject to a suitable test within the boundaries of novobanco suitable policy.
To sum up we can say that with Objectway we achieved our goal of democratizing investment through advisory and on top of that, with a personalized approach that, not only distinguish us from the common available proposals in the market but also allows us to keep well serving high value customers with an advisory service totally personalized and adjusted to clients’ needs and objectives incorporating their preferences.
It’s half a year into 2022 now and some so-called “trends” – that are not trends anymore – will increase their pertinence and influence on the investment scenario. Here, ESG leads.
And integration of preferences in terms of responsible investment for customers with greater environmental, social and appropriate management practices or for those who wish to integrate these preferences in their investments is surely something to focus on for the rest of the year and onwards.
**RELATED POST**
Digital Transformation
### Enabling Democratization In Wealth Management
[](/enabling-democratization-in-wealth-management/)
Open Banking
### Banking Client Centricity: The Competitive Currency of 2022
[](/banking-client-centricity-the-competitive-currency-of-2022/)
Case Study
### Leveraging Centralized Cloud Mifid II Advisory
[](https://www.objectway.com/download-case-study-leveraging-centralized-cloud-mifid-ii-advisory/)
**Categories:** #ClientExperience, #DigitalAdvisory, #DigitalChange, #Digitalisation, #HyperPersonalisation, Digital Transformation
---
### [Enabling Democratization In Wealth Management](https://objectway.com/enabling-democratization-in-wealth-management/)
**Published:** June 23, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Customers are nowadays looking for hybrid offerings, seamless, digital services and providers that incorporates expertise, perfect data and technology support.
**Content:**
[  ](/digital-transformation)
###### JUN 23, 2022
# Enabling Democratization In Wealth Management
[Karl im Brahm](https://www.linkedin.com/in/karl-im-brahm/)
CEO bei DIE SOFTWARE Objectway Group
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#DigitalChange](/owintalk/digitalchange/)[\#Digitalisation](/owintalk/digitalisation/)[\#ClientExperience](/clientexperience/)[\#OpenFinance](/open-finance/)
“The democratization of wealth management is a unique business opportunity for all of us. Rapidly changing customer needs, unchanged high regulation and new competitors in the market certainly lead to increased pressure on margins but also to more innovation, a higher degree of individualization and industrialization.”
Objetway participated to 15.Finanzplatztag discussing how to enable democratization in Wealth Management, touching the many aspects that are impacting and shaping the next future of Wealth.
Flying over the market
We’re currently operating in a fast-changing client demands scenario which leads to massive asset shifts within the market. Indeed, we see a growing segment of wealthy people, large assets are being transferred as the generation of heirs increases. In addition, new asset classes are arising, accelerating the democratisation of wealth management. The token economy opens new opportunities for participation (fractional ownership).
Such an environment has produced increased and strong competition in the wealth management and banking industry, together with accelerated innovation. Main driver of this innovation is changing customer behaviours. Customers are nowadays looking for hybrid offerings, seamless, digital services and providers that incorporate expertise, perfect data and technology support.
Technology is therefore also fundamental, in the form of Cloud Platforms that enable constant innovation, data driven techniques and AI that change customer segmentation, and finally Blockchain, which is suitable for all use cases in the banking sector. As a result, the virtual and real world are converging.
However, global shocks are threatening the stability of financial markets. These include wars, the collapse of global supply chains and the unchanged monetary policy of the central banks. As a result, nothing can be planned anymore and that is a poison for the capital markets.
Facing this many-sided scenario, the trend is for banks to increasingly invest in their customer solutions and thus in front solutions, being the focus of investment decisions. Investmenting enables major, meaningful customer engagement, further automation of advisor workflows, integration of non-traditional products into the wealth management platform and improving security and compliance features.
True to the motto “demand creates supply”, new providers are entering the market (neobanks, brokers, fintechs, betechs), accelerating process change among wealth managers. The fast ones that are customer-oriented, use modern and reliable technology, and have their cost-income ratio under control will survive.
A DIGITAL TRANFORMATION JOURNEY
Both asset managers and its market participants are experiencing the biggest changes in decades. Although it may come with upsetting feelings, this development represents a valuable opportunity to regularly adapt one’s business model and enhance the digital customer experience.
The formula of success? It’s all about relying on cloud technology to increase efficiency, scalability and resilience, simultaneously leveraging on a collaborative API ecosystem with an open platform approach, focusing on creating a unique customer journey with a high level of customisation and using the treasure of data to the customer’s advantage along the entire value chain.
At the end of the day, it’s a matter of being bold and thinking big, because it will get smaller on its own!
**RELATED POST**
Podcast Spotify
### Democratizing Wealth: there is a wind of change blowing in Wealth Management
[](https://open.spotify.com/episode/31tJk1BtXgbHGpQzuLjSlj?si=e743e97717174556&nd=1)
About Objectway
### A spotlight on one of the most interesting banking markets
[](/a-spotlight-on-one-of-the-most-interesting-banking-markets/)
Market Trends
### Into 2022: tomorrow never comes, that’s why you should Perform Today
[](/into-2022-tomorrow-never-comes-thats-why-you-should-perform-today/)
**Categories:** #ClientExperience, #DigitalChange, #Digitalisation, #OpenFinance, Digital Transformation
---
### [The banking regulators viewpoint: keeping an eye on Cloud Computing within the German Market](https://objectway.com/the-banking-regulators-viewpoint-keeping-an-eye-on-cloud-computing-within-the-german-market/)
**Published:** June 21, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Many providers in the German market have positioned themselves for the regulated market of banks and financial service providers
**Content:**
[  ](/digital-transformation)
###### JUN 21, 2022
# The banking regulators viewpoint: keeping an eye on Cloud Computing within the German Market
[Jörg Martin](https://www.linkedin.com/in/joergmartin-jma/)
Head of Application Services OBS
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#DigitalChange](/owintalk/digitalchange/)[\#Digitalisation](/owintalk/digitalisation/)[\#Cloud](/owintalk/cloud-2/)
“Every system that is not standing in the bank’s own data centre can be considered as cloud computing.”
German banks have been flirting with the topic of [IT outsourcing](/outsourcing-spotlight-take-advantage-of-world-class-capabilities-focus-on-your-core-business/) for years. Many have already outsourced services but are still hesitant about outsourcing data centre services.
On the other hand, the requirements of the supervisory authority – and thus the costs – are high, and what’s more, the corresponding infrastructure is still available in the banks from the past. Why not continue to use it?
A necessary technology upgrade, not only because of the age of the hardware, but also driven by the need to use other operating systems (such as Linux), again leads to the question, “do I buy this by myself or is now the moment to outsource it?” A side aspect (or is it more ?!) to this is also that not only the hardware is getting older and older, but also the operators of the hardware, the IT people.
When it comes to the topic of the cloud, many people first think of the large cloud operators and the benefit of “being able to add resources so easily”. But is the resource utilisation of a core banking system really so volatile that this is a real advantage?
On the other hand, for many banks, when they think of their core banking system, the public cloud is not in focus. “Is my data really protected? Is my data available in third countries?” These could be questions that also – and especially themselves – need to be answered in the context of outsourcing.
However, cloud is not only the public cloud, but also everything that is “not in your own data centre”.
And here, many providers in the German market have already positioned themselves specifically for the regulated market of banks and financial service providers. The following steps have often already been taken:
- Technical preparations
The providers have adapted their own technical (network) structure to create offers for banks providing different security levels depending on the required service levels.
- Regulatory compliance
To be compliant with the regulator, also a tech provider needs to “become” a bank – and this transformation is not (only) technological, but a question of the mindset
On the one hand, there exist longstanding standards everyone is familiar with (e.g. the certifiable ISO 27001 standard). Instead, the whole value chain provided by the outsourcer often includes many services not covered by the ISO certificates; and these certificates do not specifically address the issues raised by the banking supervisory authorities. So, to cover the issue holistically, the audit of the control system can form the assurance required.
These audits, using the auditing standard of the IDW (Institute of German Certified Public Accountants, the international equivalent is the ISAE 3402) can be “certified” by an independent auditor. In this way, the audit report, as it is based on a control system specifically tailored to include the banking regulations, e.g. BAIT/MaRisk in Germany, can really assure the banks that their service provider is not only “tangible on site”, but also fulfils the regulatory banking requirements and can prove this. As a consequence, also not much additional effort – adding additional costs – must be invested by the banks, because they can already fulfil their audit obligations by submitting an audit attestation by the service provider – and it still leaves them open to take the second step to carry out their own audits on site when required.
Finally, don’t be afraid of outsourcing to a private cloud. The reasons can be closer to your own needs than just following “a hype”.
**RELATED POST**
Digital Transformation
### Money can’t buy happiness…but Cloud can
[](/enable-business-change-with-cloud-computing/)
Objectway
### Objectway On-Cloud
[](https://www.objectway.com/cloud/?lang=it)
Case Study
### Leveraging Centralized Cloud Mifid II Advisory
[](https://www.objectway.com/download-case-study-leveraging-centralized-cloud-mifid-ii-advisory/)
**Categories:** #Cloud, #DigitalChange, #Digitalisation, Digital Transformation
---
### [Opportunities to leverage WealthTech solutions are growing and it’s time to catch them!](https://objectway.com/opportunities-to-leverage-wealthtech-solutions-are-growing-and-its-time-to-catch-them/)
**Published:** June 16, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway was Platinum Sponsor of the Middle East Wealth Tech Forum in Dubai discussing what is currently affecting wealth management growth
**Content:**
[  ](/digital-transformation)
###### JUN 16, 2022
# Opportunities to leverage WealthTech solutions are growing and it’s time to catch them!
[Alexander Cassar](https://www.linkedin.com/in/sandrocassar/)
Chief Business Development Officer
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#DigitalChange](/owintalk/digitalchange/)[\#ClientExperience](/owintalk/clientexperience/)[\#Regtech](/owintalk/regtech/)[\#Sustainableinnovation](/owintalk/sustainable-innovation/)
The market is experiencing momentous transformation in terms of asset classes and investment opportunities, of client socio-demographics and segments, of technology-enabled business – and operating models, and much more.
The group of companies to benefit from Wealthtech are expanding just as well to a plethora of institutions, from retail banks catering for evolving needs of mass affluent customers, to the emerging class of challenger ‘neo-banks’ and digital institutions.
For each of these opportunities and beneficiaries a unique, tailored WealthTech solution is designed, rather than a ‘one size fits all’ universal answer. This is what makes our industry exciting!
Objectway was Platinum Sponsor of the [Middle East Wealth Tech Forum in Dubai](https://www.objectway.com/wealthtech-forum-2022-mena/) investigating and discussing how current demographics, institutions and technologies are changing and affecting wealth management growth, which opportunities to catch and how to respond to the challenges of today and of tomorrow.
Industry outlook: what the present and the future both hold
In 2022, institutions are still massively challenged by the strong pressure on margins, resulting from market competition and fees regulation. Complacent overstaffing and inefficient operations are no longer sustainable and operational efficiency must be delivered to address this challenge, increasingly leveraging on the productivity of technology together with efficient outsourcing models.
Another current challenge, expected to stay and increase, is the economic fluctuation and volatility of markets. For reliable returns form the investment of wealth, this calls for dynamically adaptive and intelligent portfolio management, tested by extensive adoption by a growing number of customers, leading the market in versatility, effectiveness and the use of AI for competitive advantage.
Generally, alignment to technology is essential to make solutions work seamlessly and better if technology is based on most widespread operating systems, database management engines, coding environments and, not least – APIs for both easy integration and open banking compliance.
Also, regulations and demands that governing bodies put on the Wealth and Asset industry keep rising and changing, and solutions that are fully compliant with acting regulations in all markets are a must have! Examples are regulations like GDPR or MIFID (including the ESG requirements in MIFID-2).
What’s more, mindsets and attitudes between successive generations and client expectations are drastically, exponentially evolving. Among other things, today’s next generation is showing an ever-growing sensitivity and attention to the social and environmental impacts of their financial decisions. The ESG dimension of asset classes and individual portfolios has become a major differentiator between providers and a compulsory competence for advisors and Wealthtech vendors including detailed and sophisticated ESG capabilities in their solutions.
Born digital, the next generation is also critically demanding for omni-channel solutions to be available not just on phones, but also on multiple daily use devices, for ex. the Apple watch.
As a result of all this, customers increasingly rely on a trusted, transparent partner, always ready to help them and responsive to both their sudden and long-term needs. And this is not something that you achieve, it is embedded in a customer-centric culture and DNA.
At the same time, they increasingly demand for products that are a perfect blend of future-oriented innovation with robust present-day performance. Yes, bleeding edge technology and industry firsts are great terms, but it’s offering that “this product just works” peace of mind, reliably and luck of problems that eventually makes you the best in class, allowing customers to derive maximum value from most competitively priced investments.
**RELATED POST**
Digital Transformation
### Unlocking the future potential from WealthTech
[](/unlocking-the-future-potential-from-wealthtech/)
About Objectway
### You better have a digital DNA for 2022
[](/you-better-have-a-digital-dna-for-2022/)
**Categories:** #ClientExperience, #DigitalChange, #Regtech, #Sustainableinnovation, Digital Transformation
---
### [Money can’t buy happiness…but Cloud can](https://objectway.com/enable-business-change-with-cloud-computing/)
**Published:** June 1, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Cloud has transformed how IT services are delivered today but it will most likely transform how they will be delivered tomorrow
**Content:**
[  ](/digital-transformation)
###### JUN 01, 2022
# Money can’t buy happiness…but Cloud can
[Marianna Vilardi](https://www.linkedin.com/in/marianna-vilardi-1bb057163/)
MARKETING CONTENT CREATOR
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#DigitalChange](/owintalk/digitalchange/)[\#Cloud](/owintalk/cloud/)[\#Mobileapp](/mobileapp/)
Back in 2018, Cisco predicted that 94% of business workloads would be cloud-based by 2022. And while we cannot safely say this has effectively happened, we must admit it sounds quite plausible these days of greatest digital transformation.
Something we are instead 100% sure about is that those who considered Cloud a passing fad had it all wrong and it still increasingly provides a big opportunity to [enable business change](https://www.objectway.com/customer-enablement/); not only cloud has radically transformed how IT services are delivered today but it will most likely transform how they will be delivered tomorrow.
How to thrive in the Cloud
Fair enough, the overall cloud journey is well beyond the initiation phase and many firms are already on their way to [reinvent customer experience](/customer-experience/), make data-driven decisions and improve the agility and efficiency of operations. However, the rise and rise of cloud computing has still financial leaders asking how to better understand and take advantage of cloud opportunities, avoid risks and keep thriving.
First things first, you got to make sure you choose the right model, considering your business resources and needs together with your ultimate goal. And if choosing is fundamental, there must be something to choose between. Indeed, Cloud comes in multiple forms. Here we recap the most relevant:
- Public Cloud
The term speaks by itself, public cloud is available for public use.
While benefiting in terms of convenience – the service provider is responsible for infrastructure set up and everyday burdens – reliability – 24/7 operation and no downtime –, scalability and cost effectiveness; public cloud may pose both potential security issues and simplicity resulting from basic service plans offering.
- Private Cloud
Unlike public cloud, within the private domain, access to cloud is limited to one business only and, as a result, higher level of security and privacy is assured, together with greater reliability. In the era of hyper-personalisation, customisation is then an extremely distinctive feature of private cloud, offering solutions designed to meet specific business requirements.
However, if cost reduction is what you are searching for, private cloud may be not ideal as it might come with a higher initial cost.
- Hybrid Cloud
Dreams rarely come true. And yet, sometimes, it happens. The hybrid cloud is proof of that, merging the best features of each model to achieve sustainable security and privacy and potential long-term cost savings. Flexibility and scalability are at their highest, not to mention customisation, with business agility great enough to manage unique clients’ needs and ultimately improve performance.
How to overcome Cloud challenges
There is a lot to reason about, so let’s assess the basics and let’s do it data in hand.
Our recent LinkedIn survey briefly asked professionals which benefits they reckon as the most relevant when considering Cloud Computing, whether public, private or hybrid and which risks most concerning.
Apparently, greater agility (52%) wins the benefits challenge and improved [efficiency](/efficiency/) and increased security are confirmed to be extremely important (20%).
Against these selected benefits, cyber security threats are identified as the most concerning risk (48%), and data privacy come just after (24%).
We expect interest in these factors to increase in the long-term and although perfection cannot be found in a cloud model rather than the other as subject to peculiar business’ needs and goals, every model still needs a service provider to set up, use and maintain. One that constantly invest in innovation, is committed to guarantee cost reduction and customise cloud experience, all this being compliant with the latest regulatory requirements.
Relying on such a provider will make the difference. And being on Cloud 9 will never sound just as real.
**RELATED POST**
Digital Transformation
### Cloud Migration in the Background of a Digital Transformation Framework
[](/cloud-migration-in-the-background-of-a-digital-transformation-framework/)
Objectway
### Objectway On-Cloud
[](https://www.objectway.com/cloud/?lang=it)
Case Study
### Leveraging Centralized Cloud Mifid II Advisory
[](https://www.objectway.com/download-case-study-leveraging-centralized-cloud-mifid-ii-advisory/)
**Categories:** #Cloud, #DigitalChange, #Mobileapp, Digital Transformation
---
### [Unlocking the future potential from WealthTech](https://objectway.com/unlocking-the-future-potential-from-wealthtech/)
**Published:** May 26, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** The Middle East is an exciting market for with firms looking to undergo digital transformation in order to enable their business objectives of scalable growth
**Content:**
[  ](/digital-transformation)
###### MAY 26, 2022
# Unlocking the future potential from WealthTech
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
Director Of Client Services
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
\#MenaDubai
The Middle East is an exciting market for Private Banking and Wealth Management with firms looking to undergo digital transformation in order to enable their business objectives of scalable growth.
Client preferences in the region are rapidly changing towards a more hybrid approach where digital capabilities need significant improvement. For example, 46% of clients highly value simple, intuitive digital processes for their investment activities. The demand for digital solutions that offer 24×7 anytime, anywhere access on any device is on the rise. In fact, 1 in 5 clients in the Middle East say that they would switch wealth management firms today for such a service. This according to EY’s latest research 2022.
Unlocking the extreme potential from WealthTech also within this market meant establishing an office as part of our commitment to the region and we are excited to be the Platinum sponsor of the Middle East Wealth Tech Forum in Dubai.
The forum will bring together senior executives from over 200 Private Banks and Wealth Managers and discussions will focus around the critical topics being faced by the industry and will be a valuable opportunity for key challenges and best practices to be shared. Delegates will hear from industry experts on some of the major trends in 2022 and how to improve the client experience to ensure growth in the business.
The pivotal role of technology and innovation will also be discussed and Objectway will present a key note on what the successful firm of 2025 will look like providing insights on how and why this will be the case.
There will also be interactive panel sessions across the two days and a chance for delegates to meet and share ideas.
Objectway will be delighted to meet you over the course of the two days. If you are planning on coming, feel free to get in touch and let’s organise a time to meet. Now, without further ado, see you all there!
[Access the full agenda of the MIDDLE EAST WEALTHTECH FORUM 2022!](https://www.objectway.com/wealthtech-forum-2022-mena/).
**RELATED POST**
Digital Transformation
### Using digital change to enable front office scalability
[](/using-digital-change-to-enable-front-office-scalability/)
Digital Transformation
### Opportunities to leverage WealthTech solutions are growing and it’s time to catch them!
[](/opportunities-to-leverage-wealthtech-solutions-are-growing-and-its-time-to-catch-them/)
**Categories:** Digital Transformation
---
### [Working our way back to the office: a hybrid model to reopen safely](https://objectway.com/working-our-way-back-to-the-office-a-hybrid-model-to-reopen-safely/)
**Published:** May 17, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Our hybrid work model allows flexible working, favours work-life balance and guarantees organised people turnover, it is safer and preserves socialisation.
**Content:**
[  ](/about-objectway)
###### MAY 17, 2022
# Working our way back to the office: a hybrid model to reopen safely
[Tiziana Orlandini](https://www.linkedin.com/in/tiziana-orlandini-94bb1b5b/)
HR Director
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Workspace](/workspace/)[\#OneObjectway](/one-objectway/)[\#Sustainability](/sustainability/)[\#Digitalisation](/digitalisation/)
Plans to all return to work from the office are real and happening this time. Although many of our people were already working hybrid, 1st of April officially marks the start of our Hybrid Work Model and, as we speak, more people have already come back to their office desk, safely.
Of course different countries will require different timing, but we plan to spread the hybrid model within our entire organisation soon, aiming at getting back to all working together on premise, sharing knowledge and socialise, to feel part of a team and a joint story.
Truth is, the last months of 2021 were filled with intentions of bringing our people back to the office at the beginning of the new year. Against previsions, the omicron variant and its severe impact – higher degree of contagiousness resulted in more people getting ill, more frequently than before – hit hard and the idea of returning to headquarters was necessarily pushed back.
However, managing the latest wave of Covid-19 with fewer people in the office and others working fully remote was yet again a challenge we emerged stronger and more hopeful from, equipped with newer insights on how to respond and keep our people safe while in-office, in case further unexpected events occur. Now that the state of emergency has come to an end along with the remote work emergency plan, we expect that the hybrid model will be increasingly adopted.
Today, our model dynamically integrates on-site and remote working activities.
Certainly, our daily reality will still increasingly benefit from virtual collaboration tools to secure seamless virtual connectivity among people and teams across all types of environments. But, human interaction will be a rising priority we cannot do without, as we believe it to be fundamental to navigate uncertainty and defeat confusion, tension and unpredictability. Also, beyond emergency, remote working offered an opportunity to take a step forward in terms of work-life balance, which enhanced, and we firmly agree on its invaluable importance.
We designed a model that gives our people the possibility to have it all; it allows to work in a flexible way on a voluntary basis, it favours work-life balance and guarantees organised people turnover that results in more safety, while preserving socialisation. Our hybrid model leverages on greater attention to our people, responsibility, mutual trust and flexibility.
Indeed, we renovated our headquarter offices to foster easy collaboration and encourage interpersonal exchange, but still keeping fair distances, this way complying with health and safety regulations and reassuring our people that they are safe.
This model we are currently implementing is part of a different reasoning we adopted, as far as the workplace is concerned. We understand that the business changed completely and how people live the workplace, how they intend the concept of working, how they relate with colleagues, it has all transformed just as well.
In Objectway we see transformation as an opportunity, that’s why we embraced ongoing flexibility to reshape the future of work. This never normal scenario is daily intensively training our capability to [react](/towards-the-new-normal-chapter-one-react/) quickly and [respond](/towards-the-new-normal-chapter-three-restore/) to whatever change, whenever. As people are coming back to the office, we remain vigilant, we aim at monitoring the situation, adjust to changing conditions and manage risk. And after all, who said these changes could improve the way of working long-term.
At the end of the day, digitalisation has changed both space and time. It has blurred those that once were strictly dividing lines between workspace and your own house, between physical and digital space. Since these changes are not going to fade, let’s take the good from them. Our purpose is to empower our people with what we can call “digitality”, the capability to be digital and agile. Committed together we can navigate the current working scenario and work our way towards the future.
**RELATED POST**
About Objectway
### Objectway to GROW: Goals, Reality and Opportunities that will chart the Way Forward
[](/objectway-to-grow-goals-reality-and-opportunities-that-will-chart-the-way-forward/)
About Objectway
### Straight into the Next Normal: Emerging Stronger from the Coronavirus Pandemic
[](/owintalk/straight-into-the-next-normal-emerging-stronger-from-the-coronavirus-pandemic/)
**Categories:** #Digitalisation, #OneObjectway, #Sustainability, #Workspace, About Objectway
---
### [Using digital change to enable front office scalability](https://objectway.com/using-digital-change-to-enable-front-office-scalability/)
**Published:** May 5, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** There’s a strong correlation between digital change and wealth firms’ front office productivity and scalability, but a significant cultural shift is required.
**Content:**
[  ](/digital-transformation)
###### MAY 5, 2022
# Using digital change to enable front office scalability
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
Director Of Client Services
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Digitalisation](/owintalk/digitalisation/)[\#DigitalChange](/owintalk/digitalchange/)[\#FrontOffice](/owintalk/front-office/)
The second edition of the Senior Leaders Forum we co-hosted with Compeer, specialists in research and benchmarking, brought together a group of leading wealth management firms to discuss the value technology is providing to drive productivity and future proof their front office.
Success is defined by ROI
Compeer data revealed the benefits of digital change across the industry, with a strong correlation between IT investment and front office productivity, as the benefits of technology amplify with the pace of digital change.
Firms that spend more on IT and Operations per front office professional see a greater average managed revenue per each professional and greater profit margins.
That being said, the data also highlights disparity in productivity across the industry, e.g. firms with a front office more than six times as productive as a rival firm with comparable levels of operational efficiency.
Client expectations and scalability
Wealth firms’ investments are mainly targeting a modern investor portal, as in large part the hybrid environment created post pandemic has reshaped the development of their digital roadmaps.
While constantly looking to refine the value and the uniqueness of the digital experience they provide, the focus is progressively shifting towards how digital can drive scalability throughout the whole front office.
Firms are looking for ways technology can integrate their systems to offer end-to-end automation and also a seamless and efficient experience for investors. For Wealth Managers who offer both Wealth Planning and Investment Management, digital change should be able to join these two business lines to give a holistic view of both.
A matter of (digital) culture
Whilst the industry is changing, the difficulties with budgets, legacy systems and regulation remain almost unavoidable in wealth management. But the greater concerns reported during the discussion in the Forum are mainly related to cultural bias and old school mindset.
A significant cultural shift is required in tandem with investments to encourage front office professionals to embrace digital change and move beyond their comfort zone. Some staff still need to be convinced of the benefits that technology change can bring to their status quo. Indeed leveraging digital capabilities will enable them to become more effective in day-to-day tasks and enable more time for value added activities with clients.
Also, Digital change should not be seen as a recipe to turn farmers into hunters overnight, however it will certainly enable more efficient retention and attraction of clients.
Once again, the forum provided a thoughtful occasion to shape thought leadership, exchange ideas and draw upon insight from industry leading experts.
Want to read the full report from the Senior Leaders Forum? You can [download it here](https://www.objectway.com/download-research-using-digital-change-to-enable-front-office-scalability/)
**RELATED POST**
Digital Transformation
### The Future Digital Agenda must enable Differentiation and Result in Scalable Growth
[](/the-future-digital-agenda-must-enable-differentiation-and-result-in-scalable-growth/)
**Categories:** #DigitalChange, #Digitalisation, #FrontOffice, Digital Transformation
---
### [Democratizing Wealth: there is a wind of change blowing in wealth management](https://objectway.com/democratizing-wealth-there-is-a-wind-of-change-blowing-in-wealth-management/)
**Published:** April 27, 2022
**Author:** Silvia Boccuzzi
**Content:**
[  ](/technology)
# Democratizing Wealth: there is a wind of change blowing in wealth management
[Karl im Brahm](https://www.linkedin.com/in/karl-im-brahm/)
CEO DIE SOFTWARE Objectway Group
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#DigitalChange](/owintalk/digitalchange/)[\#DigitalCollaboration](/owintalk/digital-collaboration/)[\#ClientExperience](/clientexperience/)[\#OpenFinance](/open-finance/)
Audio Transcript
In this and upcoming episodes, in collaboration with Eric, COO from Bethmann ABN Amro, and Kerstin, Head of Zeedin from Hauck Aufhäuser Lamp, we would deepen the topic of democratization of Wealth Management, touching the many aspects that are impacting and shaping the next future of Wealth.
Primary question we’ll try to answer here is: What are the triggers that have a massive impact on wealth management?
To begin with, we’re currently operating in a fast-changing client demands scenario which lead to massive asset shifts within the market. Indeed, we see a growing segment of wealthy people, large assets are being transferred as the generation of inheritances increases and the token economy enables participation in other asset classes.
Such an environment has produced increased and strong competition in the wealth management and banking industry, together with accelerated innovation. Chief driver of this innovation is changing customer behaviours. Customers are nowadays looking for hybrid offerings, seamless, digital services and providers that incorporates expertise, perfect data and technology support.
Technology is therefore also fundamental, in the form of Cloud Platforms that enable constant innovation, data driven techniques and AI that change customer segmentation, and finally Blockchain, which is suitable for all use cases in the banking sector.
However, global shocks are threatening the stability of financial markets. These include wars, the collapse of global supply chains and the unchanged monetary policy of the central banks. As a result, nothing can be planned anymore and that is a poison for the capital markets.
Now, what does this all mean for wealth managers?
Well, true to the motto demand creates supply and new providers are entering the market (neobanks, brokers, fintechs, bigtechs) accelerating the change process among asset managers.
The fast ones that are customer-centric, using modern and reliable technology, and have their cost-income ratio under control will survive.
Concretely, to benefit from this democratization, providers will be required to:
- First, rely on cloud technology to increase efficiency, scalability and resilience.
- Second, create a collaborative API ecosystem.
- Be open to new technologies, push innovation and continuously adapt their business model.
- Use the data treasure for the benefit of the customer along the entire value chain.
- And last but not least, create a unique customer journey with a high degree of customisation.
To sum up, we said that wealth management and its market players are both undergoing the biggest changes in decades. This development represents a valuable opportunity to regularly adapt one’s business model and enhance the digital customer experience. On the backdrop of this, the use of Cloud, API models and open platform will be increasingly fundamental. Surely, being bold and thinking big will pay back, as it will get smaller on its own.
The formula of success? Front-end as individual as possible Back-end standardised and STP automated.
**FROM THE SAME PODCAST**
Ep. 2
### Wind of change – A personal bank in a digital age
[](/a-personal-bank-in-a-digital-age/)
Ep. 3
### Adjusting traditional models and communications to engage your client base
[](/adjusting-traditional-models-to-engage-your-client-base/)
Ep. 4
### Why is Democratizing Wealth so important?
[](/democratizing-wealth-management/)
**Categories:** Podcast
---
### [Digital quo vadis: disruption or evolution?](https://objectway.com/digital-quo-vadis-disruption-or-evolution/)
**Published:** April 7, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Adopting a digital strategy is crucial, as well as enhancing private client investment tools and introducing dynamic client reporting.
**Content:**
[  ](/digital-transformation)
###### APR 7, 2022
# Digital quo vadis: disruption or evolution?
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
Director Of Client Services
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Digitalisation](/owintalk/digitalisation/)[\#DigitalChange](/owintalk/digitalchange/)[\#ClientExperience](/owintalk/clientexperience/)[\#ClientRelationship](/owintalk/client-relationship/)
According to Objectway’s ongoing research at board level with Wealth Management and Private Banking firms, the majority are looking to change their IT systems over the coming 6-9 months and their overwhelming collective priority is to improve the client experience. Indeed, meeting the needs of clients and providing a tailored service with their preferences in mind is seen as a real differentiator in the market when it comes to attracting and retaining clients.
At a recent industry event, Objectway and Rathbones shared some of the lessons learnt from their partnership on the hugely successful ‘MyRathbones’ service designed to transform Rathbones’ client facing technology with the aim of providing a compelling tailored user experience. The service allows Rathbones’ clients to securely access their investments, individual documents and investment managers anytime anywhere, by being available on desktop, tablet and smartphone. A brand-new digital experience.
Over the past 2 years it has had a client registration rate of over 43%, with the aim of much more over the coming 12 months, has seen an average of over 6 log ins per active user per month and enabled over 10,000 downloads of documents and reports per quarter.
So, what were the key lessons learnt?
Both parties steered clear of a purely transactional relationship and worked together to leverage each other’s strengths and stressed the importance of being transparent while communicating. For example, challenges and solutions were shared in collaboration at regular steering committee meetings and a common successful outcome was invested in as a ‘one team approach’.
Clients were actively involved when deciding on the functionality scope and design as opposed to making assumptions based on anecdotal evidence or a feel for market preferences. This ensured that the product not only immediately met their needs but also avoided time consuming and potentially costly enhancements that ultimately missed the mark.
The business as a whole had to embrace different methods of delivering a solution. For example, the team implemented an agile approach to digital change which also encouraged the idea of product which iterates over time. As the basis of this focused-on client preferences from the very beginning, the solution was already very well received by clients as opposed to having the feel of a test version which would have welcome tweaks made over time. The solution followed the path of digital evolution which used the service to augment the value proposition that is already so attractive to Rathbones’ clients and will further enhance client engagement and ultimately further strengthen the firm’s relationships with its clients.
The ultimate objective of MyRathbones is to help continue the growth of the business and increase client engagement in a tailored way. The roadmap for MyRathbones includes enhancing private client investment tools and introducing dynamic client reporting. Watch this space, as the future for the service looks bright.
Want to know more? Get in touch and [have a chat with our team!](https://www.objectway.com/contacts/)
**RELATED POST**
Digital Transformation/p>
### Digital Disruption or Digital Evolution?
[](/digital-disruption-or-digital-evolution/)
Digital Transformation
### Front Office Efficiency and Intergenerational Wealth Retention through Digital Change
[](/front-office-efficiency-and-intergenerational-wealth-retention-through-digital-change/)
Digital Transformation
### A new Hope for Wealth & Investment Managers?
[](/a-new-hope-for-wealth-investment-managers/)
**Categories:** #ClientExperience, #ClientRelationship, #DigitalChange, #Digitalisation, Digital Transformation
---
### [Being Hyper Proactive in the era of Hyper Change](https://objectway.com/being-hyper-proactive-in-the-era-of-hyper-change/)
**Published:** March 30, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** The capabilities that you need to be hyper reactive and hyper proactive in the era of the hyper change, in a scenario that is continuously reshaping
**Content:**
[  ](/about-objectway)
###### MAR 31, 2022
# Being Hyper Proactive in the era of Hyper Change
[Alberto Cuccu](https://www.linkedin.com/in/alberto-cuccu-21a401/)
Chief Executive Officer
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#CeoTalk](/ceotalk/)[\#Hyperpersonalisation](/hyper-personalisation/)[\#DigitalChange](/digitalchange/)[\#Portfoliomanagement](/portfolio-management-h/)
We hear a lot of talking about uncertainty these days. Indeed, as more changes unfold, more uncertainty arises. Fair to say, this everchanging environment inevitably generates distress, anxiety for what is going to happen, how it is going to happen, if it is going to really happen.
Within our industry of Wealth Management, Asset Management and Private Banking, this feeling is pounding. And when an industry is dominated by irrational, indefinable distress, clients – both our clients and the clients of our clients – need ongoing and proactive reassurance.
The current scenario has nothing to do with normal as it used to be, it is a never normal scenario we are operating in, where the number of initiatives, changes, business transformations and operational improvements have all increased and are expected to further augment in the future. And that is because clients, people, they are all always concerned, about the next move to make, the next reinvention, the next disruption.
We are navigating uncharted waters, where clients are perceiving high risk for their business, in terms of business continuity, losing clients, or even facing the possibility that their clients may disinvest or choose other players that deliver a better answer to respond to their anxiety of missing out. To compete and bring concrete value forth, firms are therefore required to have the rightest capabilities to provide those essential elements that will reduce distress, eventually.
To cope with the never normal but always concerned scenario, firms need solutions that are more flexible, digital and proactive compared to the past: clients want to monitor their investments and communicate with the firm, anytime and anywhere, this way reducing their anxiety of not knowing what is happening in their portfolio in the middle of the next, big change. Investment Managers need a technology system that allows to react quickly and promptly to abrupt market changes, to monitor portfolios in a more effective way, to activate the next best action on clients’ portfolios in real-time, to communicate and digitally interact with clients, reassuring them proactively and timely.
Combining these elements together, that “I have it under control” comfort word that your client seeks in times of radical change becomes real, distress is reduced and satisfaction increases. The relationship with your clients, your next promoter score will increase accordingly, and this will ignite ongoing value creation and new business opportunities.
In a never stable business environment, the only thing that must stay stable, augment and get better is your ability to respond to changes that happen around you, enabled by modern, digital-enabled, always on, real time and proactive solutions: the capabilities that you need to be hyper reactive and hyper proactive in the era of the hyper change.
**RELATED POST**
About Objectway
### A spotlight on one of the most interesting banking markets
[](/a-spotlight-on-one-of-the-most-interesting-banking-markets/)
About Objectway
### You better have a digital DNA for 2022
[](/you-better-have-a-digital-dna-for-2022/)
About Objectway
### Is Never Normal the New Normal?
[](/is-never-normal-the-new-normal/)
**Categories:** #CeoTalk, #DigitalChange, #HyperPersonalisation, #PortfolioManagement, About Objectway
---
### [Digital Disruption or Digital Evolution?](https://objectway.com/digital-disruption-or-digital-evolution/)
**Published:** March 25, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Adopting a digital strategy is crucial, as it could potentially originate disruption both in their processes and organization, and for their clientele.
**Content:**
[  ](/digital-transformation)
###### MAR 25, 2022
# Digital Disruption or Digital Evolution?
[Chiara Giudici](https://www.linkedin.com/in/chiara-giudici-8647929/)
Senior Marketing & Communication Specialist
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#CustomerExperience](/owintalk/customerexperience/)[\#ClientRelationship](/owintalk/client-relationship/)[\#DigitalChange](/owintalk/digitalchange/)[\#Cloud](/owintalk/cloud-2/)[\#BackOffice](/owintalk/back-office/)
We’re thrilled to be attending the upcoming Digital Integration in Wealth Management event, back live in London after 2 years!
And we’re exhited to take the stage presenting on “The keys of success and the lessons learned from a long-term leader in the UK Wealth Management Business” in collaboration with Rathbones.
For a long-term leader in Wealth Management, with a strong traditional customer base, the approach to adopting a digital strategy is crucial, as it could potentially originate disruption both in their processes and organization, and for their clientele.
Making a traditional player able to serve the existing client base and start attracting a new more digital-savvy client base with a set of consistent set of digital tools can be set as initial statement. To accomplish this objective, the project has to focus on the transformation of the firm’s client-facing technology, creating a compelling user experience able to serve, at the same time, their traditional client base and to respond to the growing demand for digital enablement from new client generations.
Buy or build?
Digital technology has evolved to become a primary way of differentiation. It is necessary for financial institutions that are seeking to differentiate their customer experience, improve operational effectiveness, and allow access to data across the enterprise. Today, the decision of buying versus building in-house is more compelling than ever: there is the option to implement it efficiently and more cost-effectively, by a win-win partnership approach.
This means adopting a cloud-based and agile approach, introducing the “minimum lovable product” with consequent incremental improvements and add-ons. Leveraging an agile and phased delivery approach helps also deliver a scalable and flexible digital platform.
Choosing to buy next-generation digital and cloud-ready solutions will also foster the achievement of a quicker return on investment, and innovate and scale operations quickly to address market and industry changes as they happen.
The back-office backbone
No digital evolution comes without a solid foundation to build upon. Key aspects of any digital solution are real-time data quality, consistency and security, and the value of having direct access to these data thanks to a seamless integration with the back-office data master is pivotal for a true end-to-end solution.
We’ll be illustrating these and other key aspects of a successful digital transformation together with Rathbones during our joint presentation on March 30th at 9:30am. Join us by registering [HERE.](https://www.objectway.com/digital-integration-in-wealth-management-2022/?lang=en)
**RELATED POST**
Event
### Digital Integration in Wealth Management 2022
[](https://www.objectway.com/digital-integration-in-wealth-management-2022/?lang=en)
Media Release
### Objectway confirmed as key partner in Rathbones’ digital strategy
[](https://www.objectway.com/objectway-confirmed-as-key-partner-in-rathbones-digital-strategy/)
**Categories:** #BackOffice, #ClientExperience, #ClientRelationship, #Cloud, #DigitalChange, Digital Transformation
---
### [Delivering superior financial literacy to your clients: the limelight of contents](https://objectway.com/delivering-superior-financial-literacy-to-your-clients-the-limelight-of-contents/)
**Published:** March 17, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** The rising of Generation Z has emphasised the incredible role the content mix is actually playing in the current scenario.
**Content:**
[  ](/market-trends)
###### MAR 17, 2022
# Delivering superior financial literacy to your clients: the limelight of contents
[Marianna Vilardi](https://www.linkedin.com/in/marianna-vilardi-1bb057163/)
MARKETING CONTENT CREATOR
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Digitalchange](/digitalchange/)[\#Onboarding](/onboarding/)[\#ClientCommunication](/clientcommunication/)[\#Portfoliooptimisation](/owintalk/portfolio-optimisation/)[\#Digitalengagement](/digital-engagement/)
The generational transaction is already happening, and Gen Z is driving the wealth transformation. Nowadays, Generation Z represents 32% of the population, their life was marked by revolutionary events – LGBTQ+ movement and carbon-free energy, to name a few – but also disruptive ones – Covid-19 pandemic and lately, a war.
It goes without saying then that both their personal and financial needs and behaviours differ from the previous generations and organisations are trying to deal with it, in every sector.
For financial services providers, to detect the needs of this new generation means to review offerings and communication plans, beyond traditional schema, and adopting a thinking out of the box approach in seamlessly defining strategies, products and communications that will be even more digital, modular and tailored compared to past years.
The line between operations is perceived as way more blurred as we go ahead. Products cannot live alone without communication, and these operations must be deeply intertwined to guarantee attractiveness at the early stage. The rising of Generation Z has emphasised the incredible role the content mix is actually playing in the current scenario. And when considering content, few things must be kept in mind.
First, according to recent research, the attention capability of this generation is about 8 seconds. Since they are exposed to loads of different information, they apply selective attention, meaning the analysis of whether something is of interest or not lasts only few seconds. To capture their attention the content has to be not only captivating, but innovative, visual appealing, inspiring and entertaining.
Second, your brand is your most valuable asset. Because if it’s true that they are exposed to loads of different information, they are also exposed to the same information again and again, by different sources. And how do they select what source to trust? Well, the brand. Brand name, brand image, brand awareness have never been more important than in recent times, especially for our industry where reputation is key.
At the end of the day, they are no longer comparing providers with other providers. They are comparing their experience with wealth managers and banking with their experience with Adidas, that’s it.
Pay attention to a word here above, that is experience. Client Experience is the stellar common ground of all this, it goes through and refers to the entire process, from the initial phase of engaging on social media to onboarding, and next steps of client experience. Getting it right is paramount and needs to have a few essential ingredients: superior, seamless and omnichannel, to capture their brief attention in a smart way.
This leads to the next matter of interest, that competition becomes even hotter because it’s not only about Gen Z that firms need to focus on, but also Millennials. According to research, it appears that 9 in 10 Millennials nowadays use social media more frequently for advice on financial markets and recognise social media as the ideal, most convenient, and immediate place to get insights, financial tips or pillars.
The flexibility and accessibility of the dotcom and social media offer a great digital marketing opportunity for wealth managements firms to reach their current and next client base more efficiently and build customer trust by creating a steady, authoritative and informative online presence through reliable content.
**RELATED POST**
Market Trends
### Gen Z: How to win the next generation of wealth? Key opportunities revealed
[](/gen-z-how-to-win-the-next-generation-of-wealth-key-opportunities-revealed/)
Market trends
### Innovating together: what is happening in Wealth & Asset Management
[](/innovating-together-what-is-happening-in-wealth-asset-management/)
Market trends
### Navigating the Post Pandemic World: Changes That Are Here to Stay
[](/navigating-the-post-pandemic-world-changes-that-are-here-to-stay/)
**Categories:** #ClientCommunication, #DigitalChange, #DigitalEngagement, #Onboarding, #PortfolioOptimisation, Market Trends
---
### [Investigating Wealth Tech: trends that will be driving the next moves](https://objectway.com/investigating-wealth-tech-trends-that-will-be-driving-the-next-moves/)
**Published:** March 15, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway looks at past and current trends, how they shaped the industry, how many of them still holds the line and will drive the next moves.
**Content:**
[  ](/market-trends)
###### MAR 15, 2022
# Investigating Wealth Tech: trends that will be driving the next moves
[Alexander Cassar](https://www.linkedin.com/in/sandrocassar/)
Chief Business Operation Officer at Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Digitalchange](/digitalchange/)[\#Onboarding](/onboarding/)[\#ClientCommunication](/clientcommunication/)[\#Portfoliomanagement](/owintalk/portfolio-management-h/)[\#Digitalengagement](/digital-engagement/)[\#Esg](/esg/)
2020 was the year when the global pandemic blew up, disruptive changes emerged, and businesses promptly adapted to maintain their positioning. 2021 was no less eventful and organisations have been focusing on reducing uncertainty, enhancing trust and reinforcing digital client experience.
2022 opens up to a Never Normal scenario, where having a digital DNA empowered by technology will be the ultimate game changer.
Objectway features The Wealth Mosaic WealthTech 2022 Report to thoughtfully look at past and current trends, how they shaped the industry, how many of them still holds the line and will drive the next moves
2021 in a review
In 2021, digitalisation was categorised as the must-have ingredient. Most clients increasingly expected digital superb real-time, hyper-personalised interactions and experiences. To meet these renewed needs, wealth management and private banking players invested in redefining their IT and business strategy in 2021, either embarking on digital transformation programmes or – if not ready yet – being acquired by bigger, digital-first firms.
To support the client experience, firms have made progress in managing and designing their client portal, adding new features to make it more interactive and offering new services. Digital onboarding was also beefed up to provide a frictionless and fully compliant experience. However, it was not all about digitalisation, and another trend in 2021 was the unusually high attrition and migration of qualified workforces. In private wealth, it was recognised that despite advanced intelligent technologies, competitive edge comes from high-quality human staff.
Not to be forgotten, in 2021 ESG was of course not put aside, and the industry went through a massive new wave of interest in responsible investment.
2022 in a view
2022 is already picking up the pieces of those important decision made in 2021, but organisations are now aware that the world we live in is more dynamic and less predictable, so it pays to be prepared. In 2022 trends will be progressively driven by increased competition, perpetually changing client expectations, maturity of technology & digital first DNA. This allows to formulate a few hypotheses on where the relentless progress of technology is taking us.
For sure, a hybrid model for advising clients is confirmed to be the best opportunity when looking at the client relationship, combining both technology and a human2human approach. At the same time as providing the personal touch, wealth managers also need to make sure their virtual client experience is top-notch, finding ways to differentiate themselves through online customer engagement and branding excellence.
However, beyond hybrid advisory, we reckon that Outsourcing, ESG and Cyber Security can be emphasised as the highest priorities for our industry in 2022.
This is all the more important given the entrance of younger investors to the market and their high expectations around digital service, but also their demand for technology-driven, transparent, ESG compliant investment platforms and strategies.
Outsourcing practices, in particular, are reshaping the industry, because of advantages in terms of cost reduction, enhanced efficiency and flexibility. Cloud-first mindset and toolset is also recognised as one of the primary steps in the outsourcing journey and more investment in supplier management technology capabilities are pictured.
Firms will be required to implement a future-proof digital transformation programme. The aim is to deliver cutting-edge digital capabilities, rethink customers’ digital engagement in light of a profound understanding of customer behaviour and expectations, launch apps for investors, redesign operations taking into deep consideration new economic realities and societal shifts. Practically speaking, firms will be looking at end-to-end customer experience optimisation, operational flexibility, and innovation. This approach will lead to business model transformations and new forms of digital processes.
Looking ahead, winning firms will show their agile nature and responsiveness to market changes and client needs, with a focus on talent pool, innovation capacity and strategic growth.
[Read the full report in collaboration with The Wealth Mosaic](https://www.objectway.com/download-report-wealthtech2022/).
**RELATED POST**
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### Into 2022: tomorrow never comes, that’s why you should Perform Today
[](/into-2022-tomorrow-never-comes-thats-why-you-should-perform-today/)
Market trends
### Outperforming in 2022: Is the wind of change blowing in Wealth Management?
[](/outperforming-in-2022-is-the-wind-of-change-blowing-in-wealth-management/)
**Categories:** #ClientCommunication, #DigitalChange, #DigitalEngagement, #Esg, #Onboarding, #PortfolioManagement, Market Trends
---
### [The future digital agenda must enable differentiation and result in scalable growth](https://objectway.com/the-future-digital-agenda-must-enable-differentiation-and-result-in-scalable-growth/)
**Published:** March 11, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** The key to face the challenges of a world that is exponentially changing is to start thinking in terms of a scenario that is continuously reshaping
**Content:**
[  ](/digital-transformation)
###### MAR 11, 2022
# The Future Digital Agenda must enable Differentiation and Result in Scalable Growth
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
Director Of Client Services at Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Digitalisation](/owintalk/digitalisation/)[\#DigitalChange](/owintalk/digitalchange/)[\#ClientExperience](/owintalk/clientexperience/)
Objectway shared a lively and insightful discussion with senior executives of major Wealth Management and Private Banking firms at a recent forum organised in conjunction with Compeer.
During the presentation some insights were shown from ongoing research on the future priorities for the front office which included the desire for greater functionality and automation in order to enable more effective client management.
Among the most significant results, 50% of firms wanted to be able to manage client preferences and risks in real time, making sure a client’s ESG preferences were being met and their portfolios could be rebalanced in an efficient manner. Over 30% of firms had signalled their intent to use AI to help them tailor portfolios. Over 40% wanted to see more automation.
On the whole, although IT and Ops spend is very inefficient in the industry, the research showed that firms that spend more on IT and Ops per front office professional see a greater average managed revenue per front office professional and greater profit margins. This relationship may become even more pronounced as firms are looking to replace legacy systems with more modular open architecture solutions, particularly at the front end.
The need for improved efficiency was highlighted and many firms were trying to reduce the current – often manual – effort in activities such as onboarding and even in giving clients the ability to enter a change of data via a client portal instead of having to produce a request to the back office and wait for a return.
Firms had made many strides in terms of improving their digital journey during the pandemic and were now driving to integrate disparate systems to try and offer a seamless experience for their clients and Investment managers. For example, having an integrated portal with their Investment management solution and CRM.
Some of the challenges to this were the perceived risk and effort in implementation projects,changing the status quo of a traditionally transactional relationship with IT vendors and moving to a (multiple) partnership approach, but also encouraging open communication and clear sharing of roadmaps between all the parties.
Another challenge was making sure that firms were able to effectively gain buy in from their internal stakeholders i.e., the users. Change is usually unsettling and firms believed that more could be done to articulate the benefits on the proposed change internally. Vendors could also play a greater role in this by offering examples of the impact of change and the challenges faced by peers. Some of the track record of projects in the industry also gave cause for concern in terms of delivery times not being met, and inflating budgets associated with change. Firms wanted more assurance around these areas and again wanted to see a track record of successful implementations and details on what this looks like.
It was also discussed whether it was better to buy or build especially if they wanted to integrate a separate ‘function’ to an existing system which was tailored to their needs, may provide a competitive edge, and also may be less risky than replacing a whole system. In general the consensus was to buy/adopt a modern scalable solution which had open architecture and could easily lend itself to a best of breed set up and integrate to any builds that could result in a USP.
**RELATED POST**
Digital Transformation
### A new Hope for Wealth & Investment Managers?
[](/you-better-have-a-digital-dna-for-2022/)
Digital Transformation
### Front Office Efficiency and Intergenerational Wealth Retention through Digital Change
[](/front-office-efficiency-and-intergenerational-wealth-retention-through-digital-change/)
Digital Transformation
### Firms are focused on increasing flexibility and reducing costs to drive efficiency
[](/firms-are-focused-on-increasing-flexibility-and-reducing-costs-to-drive-efficiency/)
**Categories:** #ClientExperience, #DigitalChange, #Digitalisation, Digital Transformation
---
### [A spotlight on one of the most interesting banking markets](https://objectway.com/a-spotlight-on-one-of-the-most-interesting-banking-markets/)
**Published:** March 10, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Within the growing DACH markets, we are challenged to win new customers, retain existing ones, increase customer satisfaction and expand share of wallet
**Content:**
[  ](/about-objectway)
###### MAR 10, 2022
# A spotlight on one of the most interesting banking markets
[Karl im Brahm](https://www.linkedin.com/in/karl-im-brahm/)
CEO bei DIE SOFTWARE Objectway Group
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#CeoTalk](/ceotalk/)[\#Hyperpersonalisation](/hyper-personalisation/)[\#DigitalChange](/digitalchange/)[\#Portfoliomanagement](/portfolio-management-h/)[\#Customerjourney](/customerjourney/)
The last two years have seen remarkable changes happening. However, some few staples remain. The DACH region is one of the largest banking markets in the world. The region is characterised by a strong economy and a large affluent population with around EUR 6 trillion in liquid onshore assets. Of course, there are differences between the markets. For example, Swiss banks traditionally have their strengths in the steadily growing ultra-HNWI and HNWI client segment.
Banks in Germany and Austria are increasingly tapping into this client group and are also very successful in the affluent segment.
The competitive pressure is enormous. More than 2,000 banks are active in Germany, Austria and Switzerland, driven by the need to modernise their digital capabilities, offer differentiated, customer-oriented solutions and reduce total cost of ownership.
The banking industry and its providers live in a customer pull economy
Tokenisation/blockchain, cloud, APIs, artificial intelligence, democratisation of wealth management, RoboAdvisory, mobile first, UX/UI and more than 11,000 FinTechs worldwide are driving tremendous innovation and momentum in the financial sector, particularly in wealth management, retail banking, capital markets and investment banking, virtual marketplaces and the payments sector.
These trends have been changing the classic and traditional banking business for some time. The customer is moving more and more into the centre. Customer centricity is no longer a buzzword
One of the biggest changes is tokenisation, which brings many advantages: low administrative costs, trustworthy proof of ownership, high transaction speed. All assets such as physical, conventional securities and non-physical assets can be tokenised.
With changing demographics, new customer behaviour and technological advances, asset managers and banks have a unique opportunity to gain market share.
We see that banks are increasingly looking to adopt digital technologies.
- Platform-driven architecture through open interfaces/APIs
- Containers, microservices, cloud computing
- Data platforms
Customer-centric business is in our DNA, especially in the current never normal scenario where clients are increasingly migrating towards the heart of digital thinking. Within the growing DACH markets, we are challenged to win new customers, retain existing ones, increase customer satisfaction and expand share of wallet. Accelerating time to market – developing new products/offers – that is exactly our mission.
**RELATED POST**
About Objectway
### You better have a digital DNA for 2022
[](/you-better-have-a-digital-dna-for-2022/)
About Objectway
### Let’s Build the Opportunities of the Future in The Next Normal, Together
[](/lets-build-the-opportunities-of-the-future-in-the-next-normal-together/)
About Objectway
### Is Never Normal the New Normal?
[](/is-never-normal-the-new-normal/)
**Categories:** #CeoTalk, #CustomerJourney, #DigitalChange, #HyperPersonalisation, #PortfolioManagement, About Objectway
---
### [You better have a digital DNA for 2022](https://objectway.com/you-better-have-a-digital-dna-for-2022/)
**Published:** March 2, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** In 2022 we continue our relentless capability building with focus on our talent pool, innovation capacity, and strategic growth.
**Content:**
[  ](/about-objectway)
###### MAR 2, 2022
# You better have a digital DNA for 2022
[Alexander Cassar](https://www.linkedin.com/in/sandrocassar/)
Chief Business Operation Officer
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#CeoTalk](/ceotalk/)[\#Hyperpersonalisation](/hyper-personalisation/)[\#DigitalChange](/digitalchange/)[\#Portfoliomanagement](/portfolio-management-h/)[\#Customerjourney](/customerjourney/)
Talking in terms of New Normal or Next Normal no longer works. The strategy of tomorrow will have to reckon that the world won’t go back to Normal, eventually. In 2022 companies are challenged to navigate in a Never Normal scenario, where having a digital DNA empowered by technology will no longer be a case of “great-to-have extra”, but a “we need to have it” essential.
For our company, as a technology provider to this industry, 2022 starts with firm determination to leverage our domain expertise, technology capabilities and customer-centric strategy for delivering faster and cost-effective digital transformations. Helping client institutions to improve profitability through efficient, intelligently automated operations, but also through innovation and diversified offerings meeting more and more of the evolving market needs.
To focus our energy and resources, we have prioritised for this year several key areas:
Core Banking Systems – affirming and expanding the strong capability resulting form merging Die Software and their OBS solution. Taking it to new markets – across Europe and beyond, and to new industry segments – particularly the growing multitude of smaller and challenger institutions.
For those we intend to package a platform-type SaaS (software-as-a-service) solution. That would include our established Wealth Management offerings on a white-label basis – delivered directly to client firms, or through partnerships with established platforms like Pershing in the UK.
We are in the process of further enriching our Wealth and Asset Management suite with functionalities and features responding to market demand. An example is our commitment to sustainable and impact investment, where we are adding and enhancing ESG and related features in portfolio management and aspects of advanced risk management. We also pay close attention to regulatory requirements and our clients’ interest in respective solutions – like the MiFID-related SFDR regulation, which EU institutions will have to meet this year, and for which we can offer a solution.
Our clients are showing continued interest in improving their digital client engagement and lifecycle management. The success of dedicated Objectway solutions in the area gives us the confidence to continue expanding our presence in this product segment, and further innovate and enrich the associated functionalities and offerings. Customer-centric business is at the heart of our own strategic DNA and we are keen to help clients in the same direction.
Whatever challenges 2022 may bring, Objectway will remain agile, dynamic and responsive to market changes and client needs.
Driven by the Massive Transformation Purpose our organisation is built upon: to always continue to empower our clients and our people to perform to their very greatest today, and building for the future.
For this we continue our relentless capability building with focus on our talent pool, innovation capacity, and strategic growth. Looking forward to partner with more client institutions and deliver more value in 2022!
**RELATED POST**
About Objectway
### Let’s Build the Opportunities of the Future in The Next Normal, Together
[](/lets-build-the-opportunities-of-the-future-in-the-next-normal-together/)
About Objectway
### Is Never Normal the New Normal?
[](/is-never-normal-the-new-normal/)
**Categories:** #CeoTalk, #CustomerJourney, #DigitalChange, #HyperPersonalisation, #PortfolioManagement, About Objectway
---
### [Is Never Normal the New Normal?](https://objectway.com/is-never-normal-the-new-normal/)
**Published:** February 24, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** The key to face the challenges of a world that is exponentially changing is to think in terms of a never normal scenario that is continuously reshaping.
**Content:**
[  ](/about-objectway)
###### FEB 24, 2022
# Is Never Normal the New Normal?
[Luigi Marciano](https://www.linkedin.com/in/luigi-marciano-66b9538/)
Founder & CEO Group
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#CeoTalk](/ceotalk/)[\#Hyperpersonalisation](/hyper-personalisation/)[\#DigitalChange](/digitalchange/)[\#Portfoliomanagement](/portfolio-management-h/)[\#Customerjourney](/customerjourney/)
There is no denying that the air has changed. The pandemic has taught us that coming back to “what it was” is not the right direction. It has clarified that such hyper-interconnected, complex system that is the world we live in today is widely unpredictable and subtle, even local, events or changes happening at the early stage of a process cause huge, bigger global impacts that cannot be predicted with rationale. In the chaos theory, we call it the Butterfly Effect, and this is what the financial services industry is experiencing right now.
It’s said – states Jeff Goldblum in an iconic scene of Jurassic Park – that a butterfly flaps its wings in Beijing and there’s rain rather than sun in New York. To be accurate, in physics the butterfly effect is described as “a sensitive dependence on initial conditions”, meaning that, in a chaotic system, variations in the starting conditions strictly corresponds to significant variations in the future, long-term behaviour of a system. And the pandemic offered a real proof of how rapidly the world can change and to what extent businesses must redefine their priorities to keep up.
Entering 2022, the key to face the challenges of a world that is exponentially changing face, patterns, plans, and processes is to stop thinking in terms of new normal, or next normal, but rather thinking in terms of a scenario that is continuously reshaping and therefore will never go back to normal, that we define as “never normal”. The question is what moves to make in times of exponential change, and how to prosper in the never normal?
Technology vs Digital Thinking Dilemma
We all remember that time when the pandemic was perceived as temporary. Two weeks and it’d be gone. For that, all those strategies implemented initially were meant to manage short-term settlements but soon enough the enduring nature of the pandemic has forced companies to take long-term strategic directions, and, against first previsions, Covid-19 gradually became part of our lives.
Looking back in time, the investment service and more generically the wealth management have experienced a disruptive innovation in the last two years. To begin with, a prompt and integral shift to digitisation, so that out of the blue, organisations found themselves in the unusual position to manage product, processes and relationships digitally.
Indeed, because they were not accessible any other way, or place, products, services and relationships became easily and widely available via online tools and platforms. Client relationships, in particular, that have long benefited from a personal interaction with trusted advisors, were exceedingly disturbed by the pandemic and both clients and advisors have learnt to communicate digitally. Likewise, the relationship between financial services companies and their technology partners has transformed.
Hand in hand, pandemic disruption and technology disruption have penetrated the social tissue and altered the way we live, socialise, work and consume. These events have transformed the entire industry and set in motion irreversible mechanisms and behaviours that nowadays we all perform on a daily basis at the greatest of our capacity.
But how did we? And how will we continue to manage and prosper in this scenario? There’s only one answer to this, and it is Digital!
Traditionally speaking, we tend to identify digital with technology, and vice-verse and technology itself, it is generally seen as a means of automation. It is all much more than this. We are looking at technology with unconventional eyes and suggest a more disruptive vision. Let’s be clearer on what digital is for us, and what’s technology instead.
Digital is about innovative thinking processes, bigdata based decisions, the ability to adapt to changing conditions, rapidly and in an agile way; the ability to react in real time. As such, it needs to be embedded in the entire DNA of a company.
Technology is the means to achieve a way bigger goal; a powerful tool that could prevent evolution, if left alone, but is also able to express the overall potential of a company and project it into the future, if backed up by a consolidated digital DNA.
As a result, we reckon that in the never normal future we cannot imagine neither successful people or companies that do not live, operate and create value by a digital-first DNA.
But it doesn’t end here as more changes are already on their way. To prepare for this overly dynamic world, it’s fundamental to always walk in the shoes of our clients and keep an eye on what their expectations and needs are when trying to future-proof. Customers and providers together need to start analysing phenomena widely – thinking on what the long-term effects of current events will be, knowing that the tide can turn, but you are required to navigate just as good and still guarantee the best performance today. That’s the challenge! To future-proof, to have a bit of ante-mortem thinking attitude, rather than a post-mortem thinking.
**RELATED POST**
About Objectway
### Let’s Build the Opportunities of the Future in The Next Normal, Together
[](/lets-build-the-opportunities-of-the-future-in-the-next-normal-together/)
**Categories:** #CeoTalk, #CustomerJourney, #DigitalChange, #HyperPersonalisation, #PortfolioManagement, About Objectway
---
### [Ow Academy: il training diventa smart](https://objectway.com/ow-academy-il-training-diventa-smart/)
**Published:** February 17, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** In Objectway crediamo nel valore delle persone e nel potenziamento delle competenze, leve per assicurare crescita, performance ed innovazione.
**Content:**
[  ](/about-objectway/)
###### FEB 17, 2022
# Ow Academy: Il training diventa smart
[Renato Perini](https://www.linkedin.com/in/rperini/)
Senior Software Developer
[Diego Giurato](https://www.linkedin.com/in/diegogiurato/)
Senior Delivery Master
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
Anche quest’anno si è tenuto il nostro consueto percorso di formazione che ha visto nuovi stagisti affrontare, all’interno della nostra realtà, una coinvolgente sfida di apprendimento e training on the job, che ha aperto loro le porte al mondo dello sviluppo del software.
In Objectway crediamo fortemente nel valore delle persone e nel potenziamento delle competenze, perché siamo sicuri che queste siano le leve fondamentali per assicurare crescita, performance ed innovazione. L’innovazione è il motore che muove le nostre scelte e crediamo che il futuro passi da qui.
È pertanto cruciale per noi favorire programmi di formazione professionale che tengano conto di ciò e favoriscano l’individuazione di nuovi talenti che ci supportino nel raggiungimento di questi obiettivi.
Proprio per questo abbiamo deciso di sviluppare un percorso di formazione in nuova modalità ibrida. Questo ha permesso agli stagisti di beneficiare della maggiore flessibilità di questa modalità ed imparare fin da subito come lavorare congiuntamente allo sviluppo delle relazioni umane e ad avere interazioni costanti. La combinazione di questi fattori con quelli più tecnici ha valorizzato l’esperienza.
Quest’anno abbiamo trattato tematiche tecnologiche di estrema rilevanza nell’ambito del software development; tra queste, lo sviluppo di applicazioni Java Enterprise, la gestione delle build software mediante Apache Maven e molto altro, insieme ad importanti novità in materia di metodologie Agile che consentiranno agli stagisti di lavorare con un framework ben consolidato e di successo all’interno dei team.
L’uso della metodologia Agile all’interno dei team ci permette di avere un metodo affermato di approccio allo sviluppo del software e allo stesso tempo consente una comunicazione aperta e bidirezionale verso tutti gli attori coinvolti nel processo, fornendo l’opportunità di dare il proprio contributo attivo nel processo decisionale.
Siamo fermamente convinti che tutto ciò permetterà una notevole crescita sul piano delle soft skills individuali, soprattutto nell’ambito comunicativo, sull’abilità di concepire nuove idee, di valutarle e saperle adattare con autonomia e spirito critico nel rispetto delle esigenze proprie e dell’altro. Inoltre, permette di adattarsi funzionalmente ad eventuali processi di cambiamento in situazioni e contesti professionali e personali di varia natura.
Questa nuova esperienza di formazione ibrida è stata un’opportunità avvincente, ci ha messo alla prova con nuove modalità, ma ha consentito ai nostri ragazzi di confrontarsi sull’utilizzo delle tecnologie ed iniziare a collaborare concretamente con l’intero team su progetti reali.
Siamo certi che il bagaglio tecnico ricevuto è stato di notevole interesse e fornirà loro tutti i prerequisiti affinché possano proseguire la loro carriera proficuamente.
**RELATED POST**
About Objectway
### Objectway to GROW: Goals, Reality and Opportunities that will chart the Way Forward
[](/objectway-to-grow-goals-reality-and-opportunities-that-will-chart-the-way-forward/)
About Objectway
### Let’s Build the Opportunities of the Future in The Next Normal, Together
[](/lets-build-the-opportunities-of-the-future-in-the-next-normal-together/)
**Categories:** About Objectway
---
### [Into 2022: tomorrow never comes, that’s why you should Perform Today](https://objectway.com/into-2022-tomorrow-never-comes-thats-why-you-should-perform-today/)
**Published:** February 10, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Demographics are changing in Wealth Management, and the investment community is becoming more diverse, with younger investors entering the market.
**Content:**
[  ](/market-trends/)
###### FEB 10, 2022
# Into 2022: tomorrow never comes, that’s why you should Perform Today
[Marianna Vilardi](https://www.linkedin.com/in/marianna-vilardi-1bb057163/)
MARKETING CONTENT CREATOR
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Digitalisation](/owintalk/digitalisation/)[\#DigitalChange](/owintalk/digitalchange/)[\#OfferingEvolution](/owintalk/offering-evolution/)[\#Esg](/owintalk/esg/)
The greatest wave of Investment Democratisation
Demographics are changing in Wealth Management, and the investment community is becoming more diverse, with younger investors entering the market. Digital access is no longer defined by age or wealth status, and this is having a strong impact on the industry, that is forced to move faster to avoid losing market share and missing the opportunity to capitalise on a dynamic, digital transformation.
ESG, still knocking at the door of Wealth Management
It comes with no surprise that responsible investing is still at the forefront of clients’ demands in 2022, increasingly climbing the rankings of the Wealth Management agenda to be consolidated as a top prerogative for the years ahead. The pandemic has contributed to emphasise the interest in sustainability as a major growth driver and made people and clients of all sorts realise that threats could effectively take shape if ESG and sustainability issues continue to be ignored.
On one hand, clients are therefore already demanding more concrete action and no longer accepting greenwashing. On the other hand, companies are being challenged to re-evaluate their policies and strengthen their capabilities to generate long-lasting value, to lead change towards a more sustainable, accountable, data-backed up investment future and, needless to say, to comply with ESG standards when delivering advice for sustainability-based portfolios. The ultimate objective is to guarantee that a company’s commitment to ESG effectively carries benefits for clients in terms of sustainable growth and increased competitive advantage.
Beside this, ESG still poses one massive challenge for wealth managers, asset managers and banks: given that an ESG strategy that efficiently functions is built on data, the industry is facing a data challenge.
Indeed, ideally, information about how data is gathered and managed, or about companies’ direct activities and reports about it, would be transparently disclosed by a given company. In the real world, companies do not always objectively report on how they meet their ESG goals, which might cause losing current clients’ trust and potential clients’ consideration. On this regard, we notice that the overall industry still lacks a regulatory framework that manages how to provide disclosure, but companies can create an internal data environment and ESG reporting strategy independently to meet clients’ demands for more transparency.
Outsourcing, why should you embrace it?
As a result of the current uncertain economic environment, clients are nowadays increasingly interested in opportunities that significantly reduce costs, increase scalability and agility and enable technology. They are therefore highly considering outsourcing in their decision-making processes for 2022. Due to their advantages primarly in terms of growth accelerationg and efficiency maximisation, outsourcing practices are dynamically reshaping the wealth industry. Among outsourcing’s main drivers, we reckon:
- Cost reduction; outsoursing enables firms to control and reduce costs, which is fundamental expecially in the uncertain economic environment organisations operate in. But also, enhanced efficency and flexibility.
- Cloud-first mindset and toolset; cloud is recognised as one of the primary step in the outsourcing joyrney, particularly with covid-19 shifting increaisngly operations of all sorts online. Indeed, cloud- based outsourcing improves decision making and simplify operating envrionement.
- Higher investments in supplier management technology capabilities.
Summing up demographics are changing in Wealth Management in 2022, but some long-established priorities remain: ESG is still on the front line, and outsourcing consolidates its positioning as an opportunity to embrace. Firms will be challenged to navigate in a world that constantly changes, but also stays a bit like the same; to implement a future-proof digital transformation programme, addressed to all generations, based on a strong ESG strategy, being fully aware that cloud is the main enabler to complete a smart digital transformation journey.
**RELATED POST**
Market Trends
### Outperforming in 2022: Is the wind of change blowing in Wealth Management?
[](/outperforming-in-2022-is-the-wind-of-change-blowing-in-wealth-management/)
Market Trends
### The path forward for Wealth Managers: explainable ESG and hyper-personalisation
[](/the-path-forward-for-wealth-managers-explainable-esg-and-hyper-personalisation/)
Market Trends
### Gen Z: How to win the next generation of wealth? Key opportunities revealed
[](/gen-z-how-to-win-the-next-generation-of-wealth-key-opportunities-revealed/)
**Categories:** #DigitalChange, #Digitalisation, #Esg, #Offeringevolution, Market Trends
---
### [Straightforward towards the digital transformation of Banking](https://objectway.com/straightforward-towards-the-digital-transformation-of-banking/)
**Published:** February 3, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** To broaden the offering of Wealth solutions with a reliable and complete Core Banking platform and support the digital transformation of financial institutions
**Content:**
[  ](/about-objectway)
###### FEB 03, 2022
# Straightforward towards the digital transformation of Banking
[Luigi Marciano](https://www.linkedin.com/in/luigi-marciano-66b9538/)
Founder & CEO Group
[Karl im Brahm](https://www.linkedin.com/in/karl-im-brahm/)
Objectway CEO – DACH region
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#CeoTalk](/owintalk/ceo-talk/)[\#DigitalChange](/owintalk/digitalchange/)[\#Owin](/owintalk/owin/)[\#OneObjectway](/owintalk/one-objectway/)
The beginning of a new exciting journey to shape the Future of Banking, together. With this statement, last August we announced to our clients that DIE SOFTWARE had become part of our Group.
Thanks to the strong commitment of everyone in DIE SOFTWARE and in Objectway, the integration process is proceeding straightforward, in order to broaden the offering of Wealth solutions with a reliable and complete Core Banking platform and support the digital transformation of private banks, wealth and investment managers.
Another major news that we have just announced publicly is that, as of February 1st, Objectway has strengthened its management team in Germany by the appointment of Karl im Brahm
as Chief Executive Officer of DIE SOFTWARE Objectway Group and Group Banking Practice Leader.
He brings his deep knowledge and experience in the banking business and solutions to support our clients in achieving their digital evolution objectives and business results, in a context of increased pressure for banks to integrate new technologies and to modernise their core systems.
Integrated core banking-wealth management ecosystems
Customer centricity, end-to-end process digitisation, and sustainable profitability stand out as the top three agenda topics for banking decision makers.
Financial services institutions understand that existing client-facing technologies are not meeting client expectations nor supporting end-to-end digital transformation. Banking decision makers must determine whether wealth capabilities are supported by their current core banking systems and align with their line of business requirements.
The convergence of banking and wealth management will continue, as leveraging a solid and complete banking solution that addresses the broadest set of banking needs will become essential.
Succeeding in the affluent and private banking arena requires more and more combining digital engagement and personalised advisory services for maintaining existing clients and acquiring the younger generations of digital-savvy investors, along with a more accurate understanding of each client behaviour and preferences.
Increasing front-office productivity has become pivotal, by releasing private bankers from tasks that could be automated, to focus their efforts on high value activities such as growing the number of managed clients and the assets under management.
Private banks also need to revise their operational model to achieve scalability and efficiency, to thrive in a scenario of lower margins, fierce competition and ever-demanding regulation.
Banking beyond banking
In other words, private banks have to address the imperatives underpinning digital banking applications, by leveraging innovative and collaborative digital ecosystems with efficient banking solutions at the core, blending banking capabilities with relevant products and services beyond traditional banking.
Supporting our clients with solid and future-proof technology solutions and services that improve their business “with no trade-offs” is the concept we embraced in Objectway. Our goal is to do this and being, as and more than in the past, a business partner able to help customers achieving their targets.
**RELATED POST**
Media Release
### Objectway appoints Karl im Brahm as CEO for the DACH region and Group Banking Practice Leader
[](https://www.objectway.com/objectway-appoints-karl-im-brahm-as-ceo-for-the-dach-region-and-group-banking-practice-leader/)
Open Banking
### Objectway and Die Software for the future of Banking
[](/objectway-and-die-software-for-the-future-of-banking/)
**Categories:** #CeoTalk, #DigitalChange, #OneObjectway, #Owin, About Objectway
---
### [Objectway to GROW: Goals, Reality and Opportunities that will chart the Way Forward](https://objectway.com/objectway-to-grow-goals-reality-and-opportunities-that-will-chart-the-way-forward/)
**Published:** January 28, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway is committed to continue to GROW: to set new Goals, to consolidate our Reality and keep seizing the Opportunities ahead to chart the Way forward.
**Content:**
[  ](/about-objectway)
###### GEN 28, 2022
# Objectway to GROW: Goals, Reality and Opportunities that will chart the Way Forward
[Tiziana Orlandini](https://www.linkedin.com/in/tiziana-orlandini-94bb1b5b/)
HR Director
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Workspace](/workspace/)[\#OneObjectway](/one-objectway/)[\#Sustainability](/sustainability/)[\#Digitalisation](/digitalisation/)
Work as we know it no longer exist, you probably heard it multiple times. But is nostalgia what we feel about it? Is “coming back” still a plausible, desirable choice?
Keeping up with something that is on the verge of momentous transformation is certainly a massive challenge. Working priorities changed significantly in the past two years, and it appears there is no sign of ceasing. The drivers governing work keep generating and regenerating tirelessly, carrying with them new expectations and demands. As far as we can image, 2022 will be no exception.
Facing this storm of change, Objectway is committed to continue to GROW: to set new Goals, to consolidate our Reality and keep seizing the Opportunities ahead to chart the Way forward.
Where are we now and where will we be next?
On present day, as people are now taking back their office desks and share spaces and time with their colleagues, we are working harder on building a physical workspace that fosters collaboration and cooperation in a secure environment, providing tools, technology and infrastructure as part of our renewed people experience.
As an organisation driven by a fast-forward thinking, Objectway is sailing off to the next working scenario, and although we cannot predict exactly what it will look like, we are indeed on a continuous process of workplace reinvention, aiming at empowering our people to work virtually and seamlessly connect.
According to our recent online survey, hybrid work models are still widely believed to be one of the most crucial benefits for a company. 68% of respondents agree on this. There’s a double truth here: all-remote solution is not an option to consider – people want human interactions back – but neither is the all in-office solution – the good brought about by remote working is not going to be easily given up to.
The hybrid model adopted from March 2020 up until now worked well. However, it was still a practice driven by urgency and emergency. As it ultimately becomes more and more the norm, new variables emerge that will regulate the post-pandemic hybrid practices to become a consolidated way of working.
For this reason, we are increasingly operating towards achieving one goal in 2022: building a workplace experience that is tailored for our organisation and will enable people to connect and interact efficiently, both remotely and on-site.
We recognise our best performance comes from our best practices and those practices come from our people. A workplace framework that combines agility and flexibility will be the key to unlock the potential of working opportunities for the success of our workforce and consequently our organisation’s.
This will require a shared culture of mutual trust, the common background of an organisation where people evolve the idea of feedback as it used to be to regular, enriching conversations with other members of their team at any level, aiming at coaching, learning and improving.
2022 comes with the opportunity to enable extremely diverse points of view to thrive, and therefore widely diverse people to engage and contribute to the mission and vision of our organisation. Diversity of thought and experience raises the bar on innovation and creates more powerful, creative teams.
This year, we are no longer thinking in terms of new normal or next normal. We are facing a never normal scenario, where there is no static, defined finish line to cross, but an in-progress commitment. Investing time, resources and effort to maintain our culture strong and bold, helping our people stay connected, productive and engaged, cultivating a community driven by a fierce sense of belonging, building a human workplace. This is our way forward!
**RELATED POST**
About Objectway
### Straight into the Next Normal: Emerging Stronger from the Coronavirus Pandemic
[](/owintalk/straight-into-the-next-normal-emerging-stronger-from-the-coronavirus-pandemic/)
About Objectway
### Towards the New Normal, Chapter Three: Restore
[](/towards-the-new-normal-chapter-three-restore/)
About Objectway
### Towards the New Normal, Chapter Two: Recover
[](/towards-the-new-normal-chapter-two-recover/)
About Objectway
### Towards the New Normal, Chapter One: React
[](/towards-the-new-normal-chapter-one-react/)
**Categories:** #Digitalisation, #OneObjectway, #Sustainability, #Workspace, About Objectway
---
### [Outperforming in 2022: Is the wind of change blowing in Wealth Management?](https://objectway.com/outperforming-in-2022-is-the-wind-of-change-blowing-in-wealth-management/)
**Published:** January 25, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Hybrid Model & Cyber Security are top 2022 matter of interest. The overall industry will need to be ready to catch these trends.
**Content:**
[  ](/market-trends/)
###### GEN 25, 2022
# Outperforming in 2022: Is the wind of change blowing in Wealth Management?
[Marianna Vilardi](https://www.linkedin.com/in/marianna-vilardi-1bb057163/)
MARKETING CONTENT CREATOR
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Digitalisation](/owintalk/digitalisation/)[\#DigitalChange](/owintalk/digitalchange/)[\#ClientExperience](/owintalk/clientexperience/)[\#HyperPersonalisation](/owintalk/hyper-personalisation/)[\#Regtech](/owintalk/regtech/)
The Wealth Management industry was already undergoing an exponential transformation in the previous years. 2021, probably more than any others, was populated by highly potentially reshaping drivers that consolidated the holdover changes witnessed in 2020, made them somehow permanent, turned them into a basis for a long-term strategy to rebuild than a short-term tactic to react.
Now that we prepare ourselves to face the next, upcoming challenges of 2022 some questions arise. Will digital transformation still be pivotal? What’s going to happen with ESG investing? Will client relationships continue to benefit from hybrid models of advice? Or will other approaches originate?
Hard to say in the blink of an eye. But the answer is there is no answer. The only thing certain is that trends will never stop popping out and the overall industry will need to be ready to catch them.
Don’t call off the Hybrid Model, it’s the key!
Because the client is the key player of your environment, then providing the client with the service he seeks, in the exact way he wants it, it’s more than fundamental, it’s vital.
Hybrid models of managing client relationships forcibly developed during and after the pandemic boom and effectively showed to perform, this way becoming firmly established. In a world that is now slowly coming out of the all-remote solution, but without ever abandoning it for good, keeping up with those hybrid models for advising clients seems like the rightest opportunity to seize in 2022.
Fact is that Robo-Advisor is still at the forefront of the investing horizon, given its advantages in terms of cost reduction and the ability to well design investment portfolios. However, the technology-only route seems not to work, holistically speaking, and many clients’ confidence in their investments still goes through a personal relationship. This was true long before the advent of the pandemic.
Covid19 blurred it all out. In fact, if on one hand the pandemic has accelerated digitalisation as the new paradigm to interface with clients, on the other hand, a zero-personal relationships scenario has emphasised their very importance. And people require them back. Clients nowadays deeply research that Human2Human logic in their daily activities, that personal relationship that gives them comfort in their investment decisions.
The challenge is therefore now double. Wealth managers will be demanded to increasingly find a balance between both worlds and simultaneously enhance the virtual client experience, looking for ways to differentiate themselves, through online customer engagement and branding excellence.
A massive security challenge lies ahead
The great challenge of digitalisation is that it created new dimensions of value – it made data increasingly available, it allowed advisors and clients to keep feeding their relationship and interact with one another more easily – however, it does not come with benefits only. A relentlessly agile and hype-connected world poses the biggest threats for to organisation’s security.
As a consequence, and also due to acquisitions, companies will be facing a great security challenge in the new year – with a massive investment in FinTech cybersecurity – building a more resilient, forward-thinking security strategy, as the number of data possessed and prone to attacks increase.
Spending in the RegTech sector, in particular, is expected to increase dramatically in 2022. Here, the combination of technology and regulation improves data protection and cybersecurity, also thanks to services such as hybrid cloud computing, cryptography, cloud security, advanced authentication etc. providing more modern and accurate tools to prevent fraudulent behaviours.
**RELATED POST**
Market Trends
### Innovating together: what is happening in Wealth & Asset Management
[](/owintalk/innovating-together-what-is-happening-in-wealth-asset-management/)
Market Trends
### Navigating the Post Pandemic World, One Trend at a Time
[](/owintalk/navigating-the-post-pandemic-world-one-trend-at-a-time/)
**Categories:** #ClientExperience, #DigitalChange, #Digitalisation, #HyperPersonalisation, #Regtech, Market Trends
---
### [A new Hope for Wealth & Investment Managers?](https://objectway.com/a-new-hope-for-wealth-investment-managers/)
**Published:** January 11, 2022
**Author:** Silvia Boccuzzi
**Excerpt:** Wealth managers firmly believe that digital transformation is critical in enabling them to achieve their high priority business objectives.
**Content:**
[  ](/digital-transformation/)
###### JAN 11, 2022
# A new Hope for Wealth & Investment Managers?
[David Wilson](https://www.linkedin.com/in/david-wilson-13ba3811/)
Senior Business Development Manager
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#ClientExperience](/owintalk/clientexperience)[\#Digitalisation](/owintalk/digitalisation)[\#DigitalChange](/owintalk/digitalchange/)
Given the great returns you have achieved in the last few years, for the most of you, you may ask yourself: why do I need new hope?
Well, as always, in business the better you do, the more you have to do next year. You are only as good as your last year!
The pressure to achieve growth is constant.
Therefore, the greatest challenge to our wealth management industry to continue this level of growth is how to scale the business and replicate the success model without incurring a burdensome level of additional cost.
How to take a small firm to the next level, going from £1bn AUM to £10bn AUM or, for a larger firm with lots of Advisors, how to transition into a Tier 1 business with tens of billions of AUM and with a prestigious reputation for serving all types of investors from young to old and across all channels.
You, as advisors and investment managers, can only manage so many clients and can only take on a finite number of new clients every year.
Whatever your size of firm, you can manage only so many portfolios or clients effectively and that will ultimately limit your ability to grow the business.
Providing an environment that helps your people to be more efficient and leading them down the “effective path” to achieving better returns for more investors is a challenge.
Getting advisors to jump ship and join you can take time, finding new advisors also takes time and its process is unpredictable.
But what about technology?
There have been huge advances in recent years that most would not believe could assist their business to grow.
It is not just about how can I get technology to do what I do today, but better. It is also about: how can technology change the way I do things and make me a game changer?
The answer should not be headcount. Technology can take care of the repetitive or mundane tasks, can reduce the burden of time-consuming daily activities and if you are open to it, can help you manage predictable growth.
If you are interested in the topic, read our paper “[NEW HOPE FOR GROWING YOUR WEALTH MANAGEMENT BUSINESS” available on our website](https://www.objectway.com/download-paper-new-hope-for-growing-your-wealth-management-business-global/)
**RELATED POST**
Digital Trasformation
### Firms are focused on increasing flexibility and reducing costs to drive efficiency
[](/owintalk/firms-are-focused-on-increasing-flexibility-and-reducing-costs-to-drive-efficiency/)
Digital Trasformation
### Building a successful digital change project
[](/owintalk/building-a-successful-digital-change-project/)
Digital Trasformation
### Portfolio management technology to drive competitive advantage
[](/owintalk/portfolio-management-technology-to-drive-competitive-advantage/)
**Categories:** #ClientExperience, #DigitalChange, #Digitalisation, Digital Transformation
---
### [Let’s Build the Opportunities of the Future in The Next Normal, Together](https://objectway.com/lets-build-the-opportunities-of-the-future-in-the-next-normal-together/)
**Published:** December 24, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** The next normal offers an opportunity to ride the wave of change, to chase development and embrace new ways, of working, leading, engaging with clients
**Content:**
[  ](/about-objectway)
###### DEC 24, 2021
# Let’s Build the Opportunities of the Future in The Next Normal, Together
[Luigi Marciano](https://www.linkedin.com/in/luigi-marciano-66b9538/)
Founder & CEO Group
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#CeoTalk](/ceotalk/)[\#Hyperpersonalisation](/hyper-personalisation/)[\#DigitalChange](/digitalchange/)[\#Portfoliomanagement](/portfolio-management-h/)[\#Customerjourney](/customerjourney/)
2021 has been the year of transition and adaptation to extraordinary circumstances. Still, we have not yet reached the finish line of this journey as Covid-19 waves keep challenging the way we live and do business, with an impact scale that has never been experienced. We expect this transition to continue in 2022.
The transformation the world has been going through has indeed spared none. It has inevitably changed how people work, it has forced leaders to question how they influence, it has modified customers’ behaviours and preferences – probably for good – it has altered how industries function and revised what constitutes performance.
Ultimately, it is driving the world to a “normal” that is definitely different compared to the one we were used to: a New Normal.
We are busy and committed to face these challenges, being aware that the next normal could offer an invaluable opportunity to ride the wave of change, to chase development and to embrace these new ways, of working, leading, engaging with clients and running our business.
Thinking beyond crisis, it originated the “perfect storm” to invest in new pillars of growth to pivot towards a brighter future and flourish in the long term.
Off the beaten tracks and always beyond
To build the future, it is essential to image it. And what’s the mistake we make when thinking about future? We sometimes go too far. For me, it is necessary to extent our vision beyond imagining a distant future, but rather focusing on tangible scenarios.
All of us, decision makers, leaders, technology professionals, teachers, students, researchers, technicians and entrepreneurs, we join together to explore the role of technology – AI, machine learning, automation, big data and many others – to support and build a technology ecosystem that ignites growth.
This sense of reinvention lies in the DNA of our company, so what when going gets tough, we thrive, change and adapt to new conditions. As a compass, we adjust and redesign our moves according to the obstacles we progressively face.
This year, Objectway’s journey was dotted with meaningful milestones.
Digitalisation was at the forefront; we accelerated digital customers solutions, we built digital client relationships, we leveraged on digital interactions and delivered projects and services to our clients always raising the bar on innovation and efficiency.
We united into a hybrid workforce where people are engaged and work in a safe, flexible environment, we promoted remote collaboration tools and invested in new talents to embark on this journey of ours. We navigated the new normal – rather that being shaken by it – both as a company and as individuals.
The most important of them all grabbed the headlines in august, when DIE Software officially joined the Objectway Group via the first digital acquisition. This acquisition generates many opportunities; not only it complements and strengthens our offering but also broadens our prestige all the way to the whole of the European market.
A lot happened and none of us actually knows what the future holds, but if there is something we do for sure is that Objectway will never stop setting up new methods, practices and initiatives. With 2022 coming, we will continue to empower our clients and our organisation to face the next challenge, we’ll always break new barriers and enhance our vison beyond the known horizons.
Of a final note, I wish to personally thank all of you who trusted Objectway this year, from our clients to our people, from old-timers to newcomers. Thanks for trusting us! Now, let’s move towards 2022.
**RELATED POST**
About Objectway
### Verso il 2022: Oltre la Resilienza, Una Promessa di Continua Innovazione
[](/owintalk/verso-il-2022-oltre-la-resilienza-una-promessa-di-continua-innovazione/)
About Objectway
### 2021: A year of business reinvention and rebirth
[](/owintalk/2021-a-year-of-business-reinvention-and-rebirth/)
About Objectway
### Challenges our industry faced in 2021
[](/owintalk/challenges-our-industry-faced-in-2021/)
**Categories:** #CeoTalk, #CustomerJourney, #DigitalChange, #HyperPersonalisation, #PortfolioManagement, About Objectway
---
### [Verso il 2022: Oltre la Resilienza, Una Promessa di Continua Innovazione](https://objectway.com/verso-il-2022-oltre-la-resilienza-una-promessa-di-continua-innovazione/)
**Published:** December 23, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Nella nuova normalità, il consulente finanziario dovrà integrare un insieme di competenze digitali per salvaguardare il rapporto di fiducia con i clienti
**Content:**
[  ](/about-objectway)
###### DEC 23, 2021
# Verso il 2022: Oltre la Resilienza, Una Promessa di Continua Innovazione
[Gianbattista Geroldi](https://www.linkedin.com/in/gianbattista-geroldi-070a322a/)
CEO Italia
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#CeoTalk](/ceotalk/)[\#Hyperpersonalisation](/hyper-personalisation/)[\#DigitalChange](/digitalchange/)[\#Portfoliomanagement](/portfolio-management-h/)[\#Portfoliomanagement](/portfolio-management-h/)[\#Customerjourney](/customerjourney/)
L’anno che sta per volgere al termine ha testimoniato un massivo investimento nel costruire un forte sistema di resilienza, sotto un aspetto puramente organizzativo senz’altro ma anche nella gestione del business.
Il mondo del Wealth e Asset Management ha difatti subito una ingente trasformazione, figlia di un processo di digitalizzazione che è in corso da tempo, e negli ultimi due anni accelerata dallo sconvolgimento introdotto dalla pandemia da Covid-19, evento che ha determinato non pochi cambiamenti nella vita quotidiana delle persone, nel contesto politico ed economico e nel contesto specifico in cui la nostra azienda si trova ad operare.
Il futuro è alle porte
Nei primi mesi del 2021 dare spazio alle previsioni su come l’intero anno sarebbe trascorso appariva un’impresa ardua. Il mondo stava progressivamente fuoriuscendo da un periodo costellato da chiusure, dove l’incertezza del domani persisteva e le relazioni personali avevano subito un indietreggiamento. Da un punto di vista aziendale, il cliente richiedeva, dal proprio fornitore, un ancor più elevato livello di personalizzazione ed attenzione ai suoi bisogni.
Con uno sguardo al mercato, la pandemia ha imposto un ripensamento generale delle modalità con cui si erogano i servizi finanziari, aumentando esponenzialmente la richiesta di servizi digitali, facilmente accessibili e sicuri. In particolare, l’universo della consulenza, la figura del consulente finanziario e della sua relazione con i clienti ha subito significative evoluzioni.
Nella nuova normalità, al consulente finanziario è stato richiesto di integrare un rinnovato insieme di competenze digitali, cogliendo in questo modo l’opportunità di salvaguardare il rapporto di fiducia meticolosamente costruito con i clienti attuali e vincere l’attenzione di nuovi clienti che appartengono ad una generazione nativa digitale.
Far sì dunque che i passi fatti nel 2020 perdessero la loro natura emergenziale e diventassero soluzioni di lungo termine non è stato semplice, ma Objectway e la totalità di persone che partecipano al Gruppo hanno dimostrato una impagabile capacità di riorganizzazione, ristrutturazione e risposta – efficace ed efficiente – alle nuove esigenze che si sono originate, sia di micro organizzazione lavorativa, sia di fornitura di servizi ai nostri clienti, con la professionalità e continuità che da sempre caratterizza la realtà Objectway.
Internamente, si è lavorato per potenziare le infrastrutture e gli strumenti necessari – digitali e non -, portando avanti l’adozione di un modello sempre più ibrido che ci consentirà nei mesi avvenire di far nostra la nuova normalità ed impostare un percorso che possa “riaccendere” i rapporti e le interazioni.
Il 2022 ci vedrà certamente protagonisti di svariate opportunità che sapremo cogliere e sfide che sapremo affrontare, mettendo in gioco lo spirito di resilienza e rinascita che ci ha permesso di trasformare e adattare i nostri modelli, raccogliere e vincere i cambiamenti, rimanendo sempre un punto di riferimento per il mercato e per i nostri clienti.
**RELATED POST**
About Objectway
### 2021: A year of business reinvention and rebirth
[](/owintalk/2021-a-year-of-business-reinvention-and-rebirth/)
About Objectway
### Challenges our industry faced in 2021
[](/owintalk/challenges-our-industry-faced-in-2021/)
**Categories:** #CeoTalk, #CustomerJourney, #DigitalChange, #HyperPersonalisation, #PortfolioManagement, #Sustainableinnovation, About Objectway
---
### [Front Office Efficiency and Intergenerational Wealth Retention through Digital Change](https://objectway.com/front-office-efficiency-and-intergenerational-wealth-retention-through-digital-change/)
**Published:** December 21, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway, featuring The Wealth Mosaic, investigates how to increase front office efficiency and intergenerational wealth retention through digital change.
**Content:**
[  ](/owintalk/digital-transformation/)
###### DEC 3, 2021
# Front Office Efficiency and Intergenerational Wealth Retention through Digital Change
[Barbara Gentile](https://www.linkedin.com/in/barbara-gentile-3722782/)
Product Marketing Leader
[Chiara Giudici](https://www.linkedin.com/in/chiara-giudici-8647929/)
Senior Communication Specialist
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#DigitalChange](/owintalk/digitalchange/)[\#DigitalEngagement](/owintalk/digital-engagement)[\#DigitalCollaboration](/owintalk/digital-collaboration)[\#FrontOffice](/owintalk/front-office/)
Covid-19 has fundamentally changed the Wealth Management industry, evolving client demands and changing how to deliver advice and serve clients. According to Oliver Wyman Global Wealth Management Report, during the pandemic there has been a massive increase in client engagement across digital channels.
Objectway, featuring [The Wealth Mosaic Swiss Wealth Tech Landscape Report](https://www.objectway.com/download-research-the-swiss-wealthtech-landscape-report-2021/) deeply investigates how to increase front office efficiency and intergenerational wealth retention through digital change.
Wealth Digital Scenario in a nutshell
The pandemic has proven the existing advice delivery model to be somewhat resilient, but with some limitations. In particular, as underlined by Oliver Wyman, large bank owned Wealth Managers have found greater success leveraging channel upgrades made over recent years, while smaller independent Wealth Managers have had more difficulty managing client engagement due to a lack of remote working protocols and digital client engagement infrastructure.
It’s interesting to see how the next normal is looking like. Wealth Managers need to design the advice delivery model of the future, which will have to be omni-channel, blending the expertise and human touch of a Relationship Manager, with the efficiency, convenience and scalability of digital solutions.
Moreover, as detected by the Compeer – End Client Research, significant improvements are absolutely required by clients demand in terms of digital technology such as client portal, reporting and frictionless onboarding. Indeed, if improvements won’t be made, 41% of investors are likely to pivot to another client portal provider and 60% will be looking for another provider of client reporting.
A digital transformation is therefore mandatory, both for an effective delivery model of wealth management services, and for client retention and acquisition.
Key strategic priorities
We reckon that to attract new clients and younger generations of investors in the digital arena, firms will be now demanded to:
- Embrace technology, in order to establish a long-term, trust-based advisory relationship with their existing clients, despite any generational transfer of wealth.
- Digitalise onboarding, suitability processes and client management, boost automation and remove paper, whilst never leaving the delivery of a first-class service to their clients aside.
Tasks investment managers normally do would be therefore automated. This way, investment managers could effectively focus on high value tasks, such as increasing front-office productivity, with more clients being managed, improving margins through cost-savings initiatives and migrate to fee-based advisory services.
To do so, organisations realise that an integrated Client Lifecycle Management solution is needed. One that is embedded in the operational processes of a given firm, integrated to the existing systems and supporting all areas of a business.
This tactic only will allow firms to achieve the above-mentioned objectives and many others: switching from paper to digital, holistically improving the digital solution offered to all end-clients; increasing the speed at which clients receive portfolio information thus reducing the overhead around reporting and cutting operational expenditure; reducing production time, postage costs, errors and operational efforts; raising the bar on digital onboarding, creating new services for existing clients and compliance oversight.
To rephrase it, enable significant growth without impacting the firm’s overall profitability!
**RELATED POST**
Digital Transformation
### Firms are focused on increasing flexibility and reducing costs to drive efficiency
[](/owintalk/firms-are-focused-on-increasing-flexibility-and-reducing-costs-to-drive-efficiency/)
Digital Tranformation
### Building a successful digital change project
[](/owintalk/building-a-successful-digital-change-project/)
Digital Tranformation
### Portfolio management technology to drive competitive advantage
[](/owintalk/portfolio-management-technology-to-drive-competitive-advantage/)
**Categories:** #DigitalChange, #DigitalCollaboration, #DigitalEngagement, #FrontOffice, Digital Transformation
---
### [2021: A year of business reinvention and rebirth](https://objectway.com/2021-a-year-of-business-reinvention-and-rebirth/)
**Published:** December 16, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** We have learnt how to live in this new normal, we have started to reinvent, redesign, modernise our businesses. We are on the verge of a new growth cycle
**Content:**
[  ](/about-objectway)
###### DEC 16, 2021
# 2021: A year of business reinvention and rebirth
[Alberto Cuccu](https://www.linkedin.com/in/alberto-cuccu-21a401/)
Chief Executive Officer
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#CeoTalk](/ceotalk/)[\#Hyperpersonalisation](/hyper-personalisation/)[\#DigitalChange](/digitalchange/)[\#Portfoliomanagement](/portfolio-management-h/)[\#Customerjourney](/customerjourney/)[\#Offeringevolution](/offering-evolution/)
When in early 2020, we were hit by the Covid pandemic, we started wondering about how this would affect our business and how we could cope with such a disruption.
Many firms were exposed by the delay in digital transformation accumulated over the recent years, with the risk of their clients not feeling properly served and start looking elsewhere.
Now, after almost two years, I believe it is time to look to back mirror, and see, if and how, the wealth management market has reacted and reinvented itself to survive and reborn.
Reinvention
For sure, at the beginning of this emergency, everyone was caught by panic. Markets faced an heavy draw down and everyone’s priority, was to reassure and retain clients.
Soon after we had to cope with the need to find new ways of engaging with our clients. We had to introduce remote digital collaboration tools, organise our companies to completely work from remote, suddenly and in a very short time.
For those who had invested, before 2020, in multichannel modern digital software to suppor their clients, front office and middle office staff, the gap to cover was smaller. Those that still hadn’t started a business digital transformation program, the challenge was higher, with the situation made even worse by the fact the emergency did quickly strain the available budgets for all companies.
Rebirth
Luckily, some unexpectedly great things quickly emerged from what seemed like an impossibly bad situation:
- Researchers and regulators could accelerate the vaccine development process to 10 months, which would otherwise take 10 years showing all the world that a rebirth was possible
- Markets did rebound quickly thanks to a newfound confidence in the future
- We stopped panicking and started to focus on how to reinvent, reshape and modernise our business to prepare for to the new normal defined by a post-pandemic scenario.
Starting from early 2021 we have seen several wealth management and private banking players focused on redefining their IT and business strategy, driven by the lessons learned in the initial emergency times.
Big players started important digital transformation programs delivering new digital capabilities, rethinking their customer engagement approach in native digital terms, launching apps for investors and IFAs, redesigning their operations and application stack to get more agile and ready for required innovation. And we believe this trend will continue in 2022 and next years to come.
The players that were too small or simply not ready to cope with this unexpected disruption have either been acquired by bigger more modern firms or have changed their business model moving to outsourcing or selling/dismissing not performing businesses.
As we face the end of 2021 thanks to the vaccination campaign, that is now completing its third wave, we can have a positive outlook for the future, despite the recent rise of cases. We don’t feel we will fall back into what we experience in early 2020.
We have learnt how to live in this new normal, we have started to reinvent, redesign, modernise our businesses, so we have reasons to believe we are on the verge of a new growth cycle.
**RELATED POST**
About Objectway
### Challenges our industry faced in 2021
[](/owintalk/challenges-our-industry-faced-in-2021/)
Market Trends
### The path forward for Wealth Managers: explainable ESG and hyper-personalisation
[](/owintalk/the-path-forward-for-wealth-managers-explainable-esg-and-hyper-personalisation/)
**Categories:** #CeoTalk, #CustomerJourney, #DigitalChange, #HyperPersonalisation, #Offeringevolution, #PortfolioManagement, About Objectway
---
### [Straight into the Next Normal: Emerging Stronger from the Coronavirus Pandemic](https://objectway.com/straight-into-the-next-normal-emerging-stronger-from-the-coronavirus-pandemic/)
**Published:** December 14, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Strengthening work; employing collaboration tools to create a hybrid workspace; guaranteeing people expertise and knowledge to face post-pandemic challenges
**Content:**
[  ](/about-objectway)
###### DEC 14, 2021
# Straight into the Next Normal: Emerging Stronger from the Coronavirus Pandemic
[Tiziana Orlandini](https://www.linkedin.com/in/tiziana-orlandini-94bb1b5b/)
HR Director
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Workspace](/workspace/)[\#OneObjectway](/one-objectway/)[\#Sustainability](/sustainability/)[\#Digitalisation](/digitalisation/)
This summer we put our conversation on hold; we discussed a lot about the back-then latest new normal and had the chance to walk you all through our journey towards facing this unexpected challenge. I must admit it, going through the pandemic has been a path that demanded the collaboration of everybody, a “3R journey” witnessing how we Reacted to the chaos, Recovered from the uncertain and Restored, always looking ahead.
Now that 2020 is well behind us, 2021 is coming to an end and 2022 is right around the corner, it’s time to relocate the compass needle, pointing to the next normal.
The Hybrid Working Alliance
The last 18 months have been all about the remote working experience: how to implement it, strengthen it, engage in it. To rephrase it, how to make it happen the right way. Indeed, suddenly shifting from a traditional to a peculiar, new way of working has been quite a change both organisations and people needed time to process and to realise how to handle. And what was meant to be a temporary adjustment turned into one of the main pillars we are building the office of the future upon.
If these two years have taught us anything is that re-emerging from the ashes of a battle that paused human interactions for quite a while, people more than ever before crave investment in the human aspects of work. The design of a fulfilling people experience is therefore decisive and begins with an extensive investment in your people; meeting new demands for flexibility at work becomes vital, but also skilling and reskilling, providing ongoing training to join into a thriving post-pandemic hybrid working alliance.
November 2021 marks the start of Objectway Academy, a training programme focusing on enhancing the smart, flexible, agile way of working. The full hybrid model we’ll be adopting will be founded on brand new assumptions and principals, inspired by flexibility, simplicity, attention to people’s needs and responsibility.
Delving into the tools and expertise needed to face the next working horizon, the programme aims at increasing the key competences of the “smart worker”: accountability and sharing, autonomy and time management, communication and opening to feedback.
The OW Academy is an opportunity to meet and discuss, to share and enrich, but also a concrete step towards building an organisation where work boundaries are meant to fade, where people are our most important and meaningful asset, where a renewed sense of purpose is revealed; an organisation steeped in a sense of shared identity, where people aspire to act and change the usual working rules, re-imagining how they work, how they manage their time, how they coach and mentor, how they engage in their team.
At the end of the day, we all agree that the pandemic has irrevocably changed what is expected from the so-called 3W: Work, Workspace, Workforce. We are constantly investing in effectively managing coordination processes, therefore holistically strengthening work; in extensively employing collaboration tools, therefore creating an innovation, hybrid workspace; in guaranteeing that people have the expertise and knowledge to face today’s and tomorrow’s post-pandemic challenges, never underestimating work-life balance.
It all comes back to this eventually, that there is no black and white solution. We designed our very own and painted it in gradients and portrayed a hybrid workspace project that is tailored for our reality.
**RELATED POST**
About Objectway
### Towards the New Normal, Chapter One: React
[](/owintalk/towards-the-new-normal-chapter-one-react/)
About Objectway
### Towards the New Normal, Chapter Two: Recover
[](/owintalk/towards-the-new-normal-chapter-two-recover/)
About Objectway
### Towards the New Normal, Chapter Three: Restore
[](/owintalk/towards-the-new-normal-chapter-three-restore/)
**Categories:** #Digitalisation, #OneObjectway, #Sustainability, #Workspace, About Objectway
---
### [Challenges our industry faced in 2021](https://objectway.com/challenges-our-industry-faced-in-2021/)
**Published:** December 9, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** 2021 was about cyber security, talent war and customer expectations. We navigated these challenging waters and feel well positioned to meet new challenges
**Content:**
[  ](/about-objectway)
###### DEC 09, 2021
# Challenges our industry faced in 2021
[Alexander Cassar](https://www.linkedin.com/in/sandrocassar/)
Chief Business Operation Officer
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#CeoTalk](/ceotalk/)[\#Hyperpersonalisation](/hyper-personalisation/)[\#DigitalChange](/digitalchange/)[\#Portfoliomanagement](/portfolio-management-h/)[\#Portfoliomanagement](/portfolio-management-h/)[\#Customerjourney](/customerjourney/)
I believe Objectway is a software company, thus belonging to the IT industry, which always has its own challenges and 2021 was no exception. Technology vendors, however, can never be detached from the businesses they serve. In our case, a strong focus in Private Wealth places us within the challenging orbit of that industry – our clients’ challenges are our own. What is more – our raison d’être is to address their challenges and we are responsible for helping private bankers and wealth managers resolve them
2021 IN THE REAR VIEW MIRROR
The single word to characterise the outgoing year could be ‘uncertainty’. It manifested everywhere: globally and locally, in business and politics, in all economy sectors and in the financial markets.
Financial markets don’t like uncertainty. Private Bankers and Wealth Managers depend on financial markets to manage the private wealth of their clients. Wealthy clients like uncertainty even less. At the start of the year, it seemed the economies of developed countries were about to overcome the hit they took in 2020 from the effects of COVID-19. But, come the end of 2021, and we are none the wiser about interest rates, scary inflation, or stock market ups and downs. Our reaction to this is to equip Private Bankers and Wealth Managers with better portfolio management solutions, especially better risk management tools to address the higher risks of current times.
CYBER-SECURITY
Another challenge was the increased risk of cyber-attacks and privacy breaches. It’s a challenge everywhere, we’ve seen attacks on online retailers and energy companies alike, but in the Private Wealth it is more acute, because the sector’s clients have a lot more to lose.
A comprehensive response to this includes tightening regulatory measures, internal company policies, and enhanced, intelligent technology solutions for access control, identity verification, and secure communications.
CUSTOMER EXPECTATIONS
This year we saw a massive new wave of interest in responsible investment: the ESG trends of previous years culminated in becoming not just mainstream, but a predominant requirement of many private bank and wealth manager clients. Helping technology users answer those needs has also become our priority in portfolio management and advisory solutions. The climate action commitments of world leaders at the recent summit in Scotland mean this trend will only grow.
Another strong trend is the expectation for enhanced customer experiences. Remote operations brought in 2020 by the pandemic were the wake-up call, but by now most clients expect engagement with superb real-time, hyper-personalised interactions on any channel of their choice. And they will not be comparing one bank with another bank but with their experience with Gucci Rolex or Emirate Airlines’ 1st class. Or with some of the digital-only challengers, who are causing incumbent institutions some sleepless nights. Therefore, as a vendor, we have chosen to focus on client engagement, relationship building and exceeding expectations.
TALENT WARS
Another trend in 2021 was the unusually high attrition and migration of qualified workforces. In Private Wealth it was recognised that, despite advanced intelligent technologies, competitive edge comes from high-quality human staff, be it in professional investment management, or in empathetic customer advice and service. We are seeing frequent poaching by institutions in the sector of the cream of their competitors’ employees, and the ‘new normal’ operating models (optimising the balance of office teamwork and remote operations) means the workforce reshuffle is far from over and will continue well into next year and beyond.
Technology companies, and we are not an exception, also feel the acute need for talent acquisition, both in capacity and in quality and skills. Accelerating digitisation of Private Wealth and the needs of our clients means we have to ramp-up our development and support capabilities and… yes, we are hiring (just check our website for vacancies).
THE FUTURE
Having successfully navigated through the challenging waters of 2021 we feel well positioned to meet any new challenges next year and, hopefully, capitalise on a stabilisation of the economy and markets as the world exits the pandemic stress. We look forward to 2022 .. bring it on!
**Categories:** #CeoTalk, #CustomerJourney, #DigitalChange, #HyperPersonalisation, #Offeringevolution, #PortfolioManagement, About Objectway
---
### [Robo for Advisor: La sofisticazione resa semplice](https://objectway.com/robo-for-advisor-la-sofisticazione-resa-semplice-2/)
**Published:** November 26, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Gli strumenti Robo for Advisor rendono semplice la sofisticazione e garantiscono ai consulenti finanziari scenari di analisi personalizzati su tutti i clienti
**Content:**
[  ](/advisory/)
###### NOV 26, 2021
# Robo for Advisor: La sofisticazione resa semplice
[Michele Tanzi](https://www.linkedin.com/in/michele-tanzi-39b18410/)
Market Solution Director, Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Clientexperience](owintalk/clientexperience/)[\#RoboAdvisory](/owintalk/roboadvisory)[\#DigitalEngagement ](/owintalk/digitalEngagement)
La pandemia da Covid-19 ha portato alla luce e progressivamente concretizzato un insieme di certezze che sembra non saranno soggette a mutamento nel prossimo futuro. Tra queste, la più incisiva si conferma essere un ricorso sempre maggiore ai canali digitali.
Nel mondo del banking, la trasformazione digitale ha inevitabilmente portato a cambiamenti radicali nel comportamento e nelle aspettative del cliente, ha spostato significativamente grandi volumi di transazioni verso l’online e ha virato l’interesse del cliente verso il coinvolgimento digitale. Secondo i dati forniti da CheBanca!, oltre il 96% dei clienti utilizza i canali digitali – app e internet banking – con una crescita annua del 8% con riferimento a chi utilizza il canale mobile.
Verso un percorso bi-direzionale full digital
Il cliente ha da sempre ricoperto un ruolo centrale nel mondo dell’Asset e Wealth Management.
Il punto è come renderlo davvero al centro dell’intera banca. A nostro avviso, per garantire il massimo ai clienti è necessario andare oltre, costruire un concetto di “bank as a service” che deve prevedere la digitalizzazione anche dei processi interni all’istituto.
Dal nostro osservatorio privilegiato abbiamo potuto osservare le molteplici eccellenze presenti all’interno delle banche dei nostri clienti e, al contempo, la difficoltà di rendere disponibili strumenti di integrazione e collaborazione digitali a tutti tali eccellenze al fine di rendere più efficace la loro comunicazione e i servizi ai clienti. E in questo modo di aprirsi “virtualmente” alla comunicazione con il cliente finale.
Questo obiettivo si traduce nella necessità di rendere il percorso full digital e bi-direzionale, facendo in modo che il flusso delle informazioni possa andare dalla banca verso il cliente e dal cliente verso la banca. Solo così la rete di consulenti potrà collaborare con le strutture centrali, potenziando le eccellenze interne dell’istituto e offrendo al cliente tutti i benefici di una realtà moderna e capace di fare consulenza. Il cliente diviene attore attivo perfettamente inglobato nell’organismo banca e può beneficiare di servizi a vero valore aggiunto.
A supporto di questa filosofia ci sono gli strumenti di Robo for Advisor che rendono semplice la sofisticazione e garantiscono ai consulenti finanziari scenari di analisi personalizzati su tutti i propri clienti, insieme ad idee, opportunità e proposte di investimento ad hoc sulla base dei reali bisogni e feedback del cliente finale.
Una soluzione simile consente di raccogliere informazioni dai diversi sistemi banca e le diverse strutture ma soprattutto gestisce il feedback del cliente integrandolo nelle esigenze dello stesso per continuare a migliorare il supporto personalizzato. E al contempo risolve in tempi rapidi compiti ripetitivi e complessi garantendo al consulente la possibilità di concentrarsi sulla gestione della relazione.
Queste le tematiche di cui si è parlato all’evento Wealth Management Forum promosso da ABI Eventi il 25 novembre 2021 che ha visto protagonisti Objectway insieme a CheBanca! in una presentazione congiunta, con uno stimolante approfondimento sulle ultime novità in merito.
**RELATED POST**
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### L’innovazione dei Servizi Cross Border per il Private Banking
[](/owintalk/linnovazione-dei-servizi-cross-border-per-il-private-banking/)
Advisory
### I servizi di investimento cross border: il sentiment del mercato italiano
[](/owintalk/i-servizi-di-investimento-cross-border-il-sentiment-del-mercato-italiano/)
Advisory
### Private Banking: diversificare il rischio paese “a kilometro zero”
[](/owintalk/private-banking-diversificare-il-rischio-paese-a-kilometro-zero/)
**Categories:** Advisory
---
### [The path forward for Wealth Managers: explainable ESG and hyper-personalisation](https://objectway.com/the-path-forward-for-wealth-managers-explainable-esg-and-hyper-personalisation/)
**Published:** November 25, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Over the last few days, we decided to ask our readers what they thought was the key element enhancing client-advisor relationship. The most popular answer was holistic goal-based advice: an advisory approach that fully addresses current clients’ needs and expectations, knowing their individual circumstances and helping them achieve their personal and financial goals.
**Content:**
[  ](/market-trends/)
###### NOV 25, 2021
# The path forward for Wealth Managers: explainable ESG and hyper-personalisation
[Kurt Vanhee](https://www.linkedin.com/in/kurtvanhee/)
Managing Director Continental Europe & North America
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#HyperPersonalisation](/owintalk/hyperPersonalisation/)[\#Esg](/owintalk/esg/)
Last week, the Portfolio Managment Association of Canada held their National Conference. This year’s slogan was “Rebooting and Rebuilding. A Path Forward”. This yearly conference is one of the must-attend event in the space of the Canadian Wealth Management, as it gathers a significant number of relevant stakeholders from the Canadian wealth industry.
ESG is top of mind
One of the main topics that was discussed was – how could it be different – ESG. Europe is probably most advanced in the ESG debate; other territories are following. But are we going to save the world by this change in capital flows? The answer is that this, alone, will not go to change the world. On the one hand, investors are looking for returns, on the other hand we need to cut the carbon emissions. Bringing both the sides of the coin together in ‘Green Growth’ is something that, according to the event panel, is still in its early stages, and that probably will reach its full potential in 10-15 years. Investors that decide to shift a part of their capital flow to the green economy, and accurate ESG reporting that shows investors the impact of their portfolio on carbon emmissions are examples of first steps in this change process.
A choice to be explained
Hence, it is important that Wealth Managers can clearly explain to investors the impact of their portfolio and the impact of new additional and more sustainable investment decisions. A crucial role is with data providers and fund managers to provide the right data analytics and transparency. Software vendors need to translate all this into understandable models that can explain to the investors the impact of sustainable choices on their portfolios.
A step further
Another important point emerged during the discussion was that, overall, big and small financial institutions are continuously looking to make the necessary changes in their processes and tools to reduce redundant costs by increasing the flexibility to communicate with clients. In the last years, a lot of effort has been put in the ‘How’. Wealth and Investment firms are communicating to clients via different media. Nowadays, the majority of firms have portals and Apps in place, to replace paper-based communications and documents addressed to their investors. The next challenges, today, are in the ‘When’ and ‘What’ Wealth Managers communicate to their clients: the focus will be put on hyper-personalization of the client relationship, ensuring that selected and relevant information will be presented at the right moment.
**RELATED POST**
Performance & Risk
### ESG: Still framing the Global Business narrative
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Digital Transformation
### Hyper-Personalisation:
A Real Differentiator Between Firms
[](/owintalk/hyper-personalisation-a-real-differentiator-between-firms/)
**Categories:** #Esg, #HyperPersonalisation, Market Trends
---
### [Firms are focused on increasing flexibility and reducing costs to drive efficiency](https://objectway.com/firms-are-focused-on-increasing-flexibility-and-reducing-costs-to-drive-efficiency/)
**Published:** November 23, 2021
**Author:** Silvia Boccuzzi
**Content:**
[  ](/owintalk/digital-transformation/)
###### NOV 23, 2021
# Firms are focused on increasing flexibility and reducing costs to drive efficiency
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
Director Of Client Services at Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Digitalisation]()[\#DigitalChange](/owintalk/digitalchange/)[\#Automation](/owintalk/automation/)
These were some of the key themes discussed by Objectway with board members of over 40 Wealth Management and Private Banking firms via a series of face-to-face meetings at the recent Richmond Financial Industry Forum, Interlaken, Switzerland.
Digitalisation has to be flexible
The traditional ‘One size fits all’ approach has meant that firms have been unable to quickly pick and choose functionality which is best suited to them. As result many firms do not have a modular approach to their technology stack and feel that they are missing out on value. For example, many firms are looking to add a best of breed solution for engaging with clients in a digital manner, such as improving/changing their client portal, improving the onboarding experience.
The front office wants a more modern Portfolio Management solution in order to maximise their productivity and add automation so that less time is spent on administrative tasks. Firms also want it to be easy to be able to facilitate their clients to trade new products such as cryptocurrencies. With the current state of this heavy infrastructure, change takes time, is costly and the result may not necessarily be market leading.
However, modern IT architecture allows for flexible modular solutions to be integrated to existing systems. These modules are specific and should have an edge versus a general monolithic system. Upgrades and added functionalities should also be provided at greater speed and the risk and cost of implementation is also greatly reduced.
Firms were very interested in this approach and can see the benefits it will have on client experience, advisor productivity and the lower risk of the change project.
Firms need to reduce costs as one way to drive efficiency
Many firms are struggling with legacy systems which are interconnected via complicated patches. This ultimately causes great inefficiency in processes as well as compromises the integrity of data. The cost of ‘keeping the lights on’ often sucks up significant resources in order to cope with the complexity. Indeed the negative correlation between IT spend and profitability is one that firms are trying to overcome as they strive for greater efficiency and scale.
How can firms reduce costs?
One way is through automating manual processes. Identifying the areas where processes can and should be automated is a good start and may lead to a change in the process itself, i.e. eliminating duplication, by introducing automation tools such as RPA. This should have the impact of freeing up employee time for more value added/revenue generation tasks. In parallel or as an alternative, firms should also look to simplify their IT architecture. This will involve changing to more modern modular solutions as mentioned above. The outcome should lead to many legacy systems being made redundant as well as the high cost and manual processes associated with them.
There was a definite appetite to make the necessary changes to enable flexibility and reduce costs. Firms were looking for the ideal partner(s) to ensure successful change projects in the near future.
**RELATED POST**
Case Study
### HOW TO BECOME A LEADING, DIGITALLY-ENABLED WEALTH MANAGER
[](/owintalk/how-digital-change-will-enable-scale/)
Digital Transformation
### Building a successful digital change project
[](https://www.objectway.com/download-case-study-how-to-become-a-leading-digitally-enabled-wealth-manager/)
Efficiency
### How digital change will enable scale
[](https://www.objectway.com/download-case-study-how-to-become-a-leading-digitally-enabled-wealth-manager/)
**Categories:** #Automation, #DigitalChange, #Digitalisation, Digital Transformation
---
### [Building a successful digital change project](https://objectway.com/building-a-successful-digital-change-project/)
**Published:** November 12, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Digital change has a critical role and many have planned or implemented it to differentiate their client experience and grow the business in a scalable fashion
**Content:**
[  ](/owintalk/digital-transformation/)
###### NOV 12, 2021
# Building a successful digital change project
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
Director Of Client Services at Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Digitalisation]()[\#DigitalChange](/owintalk/digitalchange/)[\#ClientExperience](/owintalk/clientexperience/)
Objectway shared a lively and insightful discussion with CEOs of major Wealth Management firms at a recent dinner organised in conjunction with PAM. All the participants agreed that digital change has a critical role to play and many have already been planning or implementing it in order to differentiate their client experience and grow the business in a scalable fashion. However, digital change often comes with risks and uncertainty. Some of the track record of projects in the industry gives cause for concern in terms of delivery times, managing of budgets, and how a firm can really differentiate from competitors by purchasing a standard software solution.
The current state of IT…
There was a clear realisation that the current state of legacy IT architecture is detrimental to scalable growth. But major IT change projects bring potential risk and disruption, not to mention the cost and the uncertainty of the result. A number of CEOs also discussed whether it was better to buy or build, especially if they wanted to integrate a separate ‘function’ to an existing system which was tailored to their needs.
… And the steps towards modernisation
The group also discussed how modern IT architecture allows for modular components to be integrated via open APIs. Simplifying the current architecture can be done by prioritising the change over time in an incremental fashion. The pros and cons to building your own IT were also discussed and overall the consensus was that if you could purchase a standard modular solution and then partner with your IT vendor to tailor around the edges, it may provide the most benefits. This way, the solution would be maintained and upgraded and firms could also rely on economies of scale and expertise from the vendor, whilst looking after the tailored elements.
Examples of success
Any change project involves risk and the group shared their experiences of successful and failed projects. Generally, the projects with the greatest chance of success featured a team of people who coordinated their action plans based on prior agreed goals. These goals may even change over the the project lifetime, but the team was adaptable enough to change their plans accordingly. A critical success factor for this was having clear communication between team members and an open environment where challenges were expected and worked on together. Many IT projects fail due to the simple fact that the relationship between ‘client’ and ‘vendor’ is not seen as a partnership, but more of a transactional relationship. This must change to significantly increase the chance of success.
**RELATED POST**
Efficiency
### How digital change will enable scale
[](/owintalk/how-digital-change-will-enable-scale/)
Objectway
### How to become a leading, digitally-enabled Wealth Manager
[](https://www.objectway.com/download-case-study-how-to-become-a-leading-digitally-enabled-wealth-manager/)
**Categories:** #ClientExperience, #DigitalChange, #Digitalisation, Digital Transformation
---
### [Portfolio management technology to drive competitive advantage](https://objectway.com/portfolio-management-technology-to-drive-competitive-advantage/)
**Published:** November 4, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Portfolio Management is currently holding a wide appeal among wealth management firms. More than half of them considers it to be a high value technology
**Content:**
[  ](/digital-transformation/)
###### NOV 04, 2021
# Portfolio management technology to drive competitive advantage
[Marianna Vilardi](https://www.linkedin.com/in/marianna-vilardi-1bb057163/)
MARKETING CONTENT CREATOR
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#PortfolioManagement](/owintalk/portfoliomanagement)[\#ClientExperience](/owintalk/clientexperience)[\#RiskManagement](/owintalk/riskmanagement)
Wealth and asset managers are facing new challenges: greater uncertainty, peers with competitive offerings, new technologies, constant changing customer demands and higher level of personalised preferences, but also regulations, legal compliance and safety standards.
Investment management is therefore forced to evolve quickly and new trends are emerging that will influence how firms will be managing portfolio daily and changing how investments are handled, eventually.
A step-by-step look at Portfolio Management: key and risk drivers
Portfolio Management is currently holding a wide appeal among wealth management firms, with more than half of them considering portfolio management to be a high value technology.
Indeed, a recent report by a leading global advisory and market analysis firm for executives highlights that the vast majority of wealth managers intend to increase spending on portfolio management over the next two years. A noteworthy number of wealth managers will increase spend by approximately 7% and upward.
As accounted by firm, the level of perceived risk can vary widely within the overall scenario: slightly less than 20% firms consider portfolio management to be a low-risk technology, and a third consider it high risk, but most consider it moderate risk. Among the biggest risk burdens, we reckon the most selected as vulnerability to security threats, inaccurate or time-consuming compliance with regulatory requirements whilst a lower but still significant percentage also emphasises service disruption or system failure, overdependence on external partners and difficult system integrations; more than 30% are also alarmed by the potential overdependence on specialised in-house resources.
However, as far as driving forces are concerned, three key drivers for portfolio management spotlight are identified. Indeed, it can be a game changer in terms of:
- Keeping pace with competitors
- Improving customer experience
- Lowering risk
Although investments in CRM or financial planning continue to be sky-high when customer experience and its direct improvement is concerned, these tools will only help the advisor to fulfil the basics.
Many firms are adding one more piece to the overall investment puzzle and focus on portfolio management as an essential component of the investment advisor desktop, moving to an integrated systems to deliver advice efficiently, based on the notion that advisors need to see how a client’s entire book of business is impacted by regulatory compliance, market moves and investment mandates.
The aim of taking customer experience to the next level lies at the heart of every great differentiation strategy. This is the moment business competitiveness is triggered. As the majority of wealth management firms judge keeping pace with competitors to be the main driver for portfolio management, CIOs are challenged to boost differentiation by incorporating and assimilating their broader advisor desktop. To achieve such result, a major priority for asset managers will be to integrate a set of aspects: alternative investments, real-time market data, advanced analytics, artificial intelligence and tailored reporting tools.
IT portfolio management is therefore quite a step forward in terms of increasing revenues for clients and reducing risks – security threats, non-meeting regulatory obligations being the most concerned, as seen – and to a large extent it plays a pivotal role in improving operational efficiency and corporate agility.
**RELATED POST**
Digital Trasformation
### The digital agenda outlook, for wealth managers
[](/owintalk/what-does-the-digital-agenda-look-like-for-the-next-normal/)
Digital Trasformation
### What will the future digital agenda look like for wealth managers?
[](/owintalk/what-does-the-digital-agenda-look-like-for-the-next-normal/)
Digital Trasformation
### A Critical Enabler to Achieve Business Objectives
[](/owintalk/what-does-the-digital-agenda-look-like-for-the-next-normal/)
**Categories:** #ClientExperience, #PortfolioManagement, #RiskManagement, Digital Transformation
---
### [Gen z: How to win the next generation of wealth? Key opportunities revealed](https://objectway.com/gen-z-how-to-win-the-next-generation-of-wealth-key-opportunities-revealed/)
**Published:** October 28, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Digital-native and eco-conscious, Gen Z cannot be pictured as the distant future of wealth, but rather as the next future of wealth.
**Content:**
[  ](/market-trends/)
###### OCT 28, 2021
# Gen Z: How to win the next generation of wealth? Key opportunities revealed
[Marianna Vilardi](https://www.linkedin.com/in/marianna-vilardi-1bb057163/)
MARKETING CONTENT CREATOR
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Digitalchange](/digitalchange/)[\#Onboarding](/onboarding/)[\#ClientCommunication](/clientcommunication/)[\#Portfoliomanagement](/owintalk/portfolio-management-h/)[\#Digitalengagement](/digital-engagement/)
Years have passed since the Millennial generation brought the ticket for the financial industry, and now that they are well blended and no longer considered a new entry in the overall scenario, the rise of Gen Z cannot be pictured as the distant future of wealth.
An Accenture research reports that 68% of those belonging to Generation Z actually save money more responsibly than their predecessors, with an estimated inheritance ranging from $15 trillion to $68 trillion. With these premises in mind, some are expected to become wealth creators at a younger age and most likely represent the next upcoming challenge.
Tech-based & Eco-conscious: the new faces of financial services
First things first, in times of exceptional disruption – environmental issues, Covid-19 pandemic, just to name a few – the line between social expectation and the products or services clients choose to approach to is definitely blurring.
If this is true for older generations of clients, the coming of age of the most socially committed, technology-oriented generation – also known as Generation Z – won’t certainly make things easier for companies willing to remain competitive and attract new customers for the rest of 2021 and beyond.
This term, Generation Z, is commonly used to broadly identify those people born between 1995 and 2010; in other words, it groups together those who have very little memory of a world without technology deeply intertwined with it or easy access to the internet and worldwide communication.
As digital native they tend to prefer tech-based, innovative companies and services offering advanced digital capabilities; as eco-conscious they don’t step away from taking a stand against companies whose practices collide with their own beliefs and require proper alignment between their values and the values of the products or services they are investing in. Indeed, Gen Z specifically accurately searches for companies that give priority to environmentally friendly products, services and polices and always raising the bar on innovation.
Experience-based interactions as the golden ticket to engage
Solutions are still the core of your business, but to break through the purchasing preferences and decisions of younger potential clients thinking in terms of features is no longer enough, while thinking in terms of experiences can be the missing key your business may need. And when experiences are mentioned, we mean easy, intuitive, frictionless interactions across the entire journey, with greatest value on personalisation. But also, entertaining, educational financial experiences on digital channels.
Younger clients are daughters and sons of the Do-it-yourself era, which means they are more than used to educate themselves, both on contents and trends and on a specific company. One reason for this is they own a place where to look for information: it’s the dot-com. Websites hosting valuable insights about you, blog hosting interesting contents about your business and industry, all this financial literacy can indeed create more opportunities for keeping Gen Z interested. And if matched with a modern, avant-garde visual appeal, even engaged, attracted. Diagnosing how they consume content digitally could really make the difference.
Their choices are therefore much more influenced by a recently updated set of fundamentals: digital presence on social channels, brand reputation, transparency, hyper-personalised relationships and advice, brand values, social responsibility.
As a result, Gen Z’s journey seems to be parallel to other client generations’ but traveling along a different path. Which means traditional models and communications must be adjusted; companies need to meet Gen Z where they live, ask new questions in a new way, to ensure that their needs are well understood and design the best means to achieve them.
And if we all agree that client relationship is key, this must happen now! Otherwise, companies may risk to miss out the opportunity of shaping Gen Z’s financial perspective and building brand preferences accordingly.
**RELATED POST**
Market Trends
### Innovating together: what is happening in Wealth & Asset Management
[](/owintalk/innovating-together-what-is-happening-in-wealth-asset-management/)
Market Trends
### Navigating the Post Pandemic World: Changes That Are Here to Stay
[](/owintalk/navigating-the-post-pandemic-world-changes-that-are-here-to-stay/)
Market Trends
### Navigating the Post Pandemic World, One Trend at a Time
[](/owintalk/navigating-the-post-pandemic-world-one-trend-at-a-time/)
**Categories:** #ClientCommunication, #DigitalChange, #DigitalEngagement, #Onboarding, #PortfolioManagement, Market Trends
---
### [A new digital paradigm for client onboarding](https://objectway.com/a-new-digital-paradigm-for-client-onboarding/)
**Published:** October 25, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Digital Onboarding is the new norm. It is crucial to remove friction across the customer journey, accelerate the process and build the relationship
**Content:**
[  ](/customer-experience/)
###### OCT 25, 2021
# A new digital paradigm for client onboarding
[Marianna Vilardi](https://linkedin.com/in/marianna-vilardi-1bb057163/)
Marketing Content Creator
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#ClientExperience ](/owintalk/clientexperience)[\#ClientRelationship](/owintalk/client-relationship)[\#DigitalEngagement](/owintalk/digital-engagement)
Client Onboarding, we all know that, is one of the most important stages in the client lifecycle, representing the very first touchpoint between wealth managers and their future clients.
As such, it can be a make or break in terms of client relationship. When done right it creates those critical variables for its maintenance and management: client loyalty, retention, experience, profitability; when done wrong, it can be very frustrating, cause fractures between the two parties and result in delays in onboarding clients, bad first impressions etc. all things that will set a mistaken tone for the rest of the client relationship or – in worst cases – drive clients away, eventually. Not a joke, indeed!
Join the Digital Race
A process that was already complicated, time-consuming, expensive and prone to redundancy, gained even more complexity throughout the past two years. Forced dislocation of activities – and of life as a whole – led financial services companies to face rather unexpected difficulties. And since in the arena of client onboarding it’s the client who has the upper hand, as clients moved online to access essential services, one of the hugest challenges has been to invest on companies’ digital presence.
This trend does not seem to be decreasing anytime soon, that’s why business leaders are rethinking their future quite differently compared to the one they may have pictured up until now, increasingly realising the enormous potential of digitalisation, and integrating it into onboarding to compete in the digital race.
Rethink the next Onboarding Agenda
Truth be told about traditional client onboarding: it’s all about slow processes driving poor customer experience. And the growing usage of platforms as Amazon delivering completely digital experiences ended up influencing clients’ perception, now expecting the same experience from financial services as well.
Today there’s a highest demand for seamlessly integrated digital experience across all channels, that is fast, easy and regulatory compliant. If just getting onboard becomes quite a task, clients will naturally expect the actual user experience to be just as tedious; a brief account set up, swift customer authentication and uncomplicated security checks need to be the milestones of your next onboarding strategy, to deliver a user-friendly interface that can improve your client onboarding experience.
From a client perspective, the use of biometric data, e-signature, digital document management, video identification and digital consent reduces time and operation barriers significantly and ensure security compliance. Also, technology, automation and advanced AI make digital onboarding more secure – in times when security is at the forefront.
From an organisation perspective, leaving paperwork, manual processes and workflows aside in favour of a digital model can effectively boost advisors’ efficiency, save time in terms of singing up and ultimately re-direct the attention to what matters the most to them – the client!
Also, the core identity of data has changed in the digital age. In the past organisations could gather a limited amount of data, today digital make it possible to build a holistic picture of a client by integrating systems and keep data synchronised and consistent to gain insights and mitigate risk. Advisors can indeed benefit from the availability of data and boost communication between teams, this way creating more value.
At the end of the day, we reckon three main drivers that will pilot the onboarding experience:
- Digital Onboarding is the new norm, not an option
- Clients are busy and overwhelmed with avant-garde digital experiences, which means it is crucial to remove friction across the whole customer journey, accelerate the process and get straight to the point: start building the relationship
- The focus on compliance-friendly processes and secure standards is intensified
As all first encounters are, onboarding is the moment you prove your new client you are worth its time, energy and resources. As such, the need for a strong client onboarding has never been more important!
**RELATED POST**
Customer Experience
### Digital change: the magic solution?
[](/owintalk/digital-change-the-magic-solution/)
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### Navigating the Post Pandemic World, One Trend at a Time
[](/owintalk/navigating-the-post-pandemic-world-one-trend-at-a-time/)
Customer Experience
### Level Up Client Communication In 2021, And Beyond
[](/owintalk/level-up-client-communication-in-2021-and-beyond/)
**Categories:** #ClientExperience, #ClientRelationship, #DigitalEngagement, Customer Experience
---
### [Digital change: the magic solution?](https://objectway.com/digital-change-the-magic-solution/)
**Published:** October 19, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Digital change is the most effective enabler of CEO's business objectives of achieving growth and scale in a tailored way
**Content:**
[  ](/customer-experience/)
###### OCT 19, 2021
# Digital change: the magic solution?
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
Client Development Director
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#ClientExperience ](/owintalk/clientexperience)[\#Hyperpersonalisation](/owintalk/hyperpersonalisation)\#Scalability
Digital change in itself is not the magic bullet that will explode into a ready-made future-proof solution for all your business worries.
However, as Objectway discussed recently with industry CEOs, it IS the most effective ENABLER of their business objectives of achieving growth and scale in a tailored way.
Tailored, yet scalable
How can something tailored be scalable and why is a tailored service even needed?
We discussed how client experience is a real differentiator and the reason why clients will stay or leave a firm. Wealth managers vary in their journey towards offering a truly personal client experience, but all believe it to be critical. Some firms are using personas to target prospects and also make suggestions about products and other services to existing clients. The take up for this is very encouraging and firms have seen a significant improvement in client satisfaction as a result. Personalised reports, portfolios, and investments aligned with values are a main priority for clients, and firms realise that this is where digital change can really add value.
The threat of Big Tech
Personalisation at scale can be delivered through technology. Just look at how the big tech firms such as Amazon, Google etc. have made use of client data and segmented it to make personal suggestions based on the preferences they have collected on similar profiles/personas. Indeed according to Capgemini’s World Wealth report, over 60% of wealth management clients are not satisfied with their current touchpoints, such as receiving personalised portfolio recommendations, information on their investments and how they align with their (life) goals etc. They believe big tech can do it better. Most firms want to be able to deliver personalised portfolios, but so far only 4/10 are doing so and/or will offer it in the next 6 months.
The value of an incremental approach
What is stopping firms in delivering personalisation?
Often, the current state of the business, composed of multiple legacy systems and countless manual workarounds, means that firms have to use up their resources in just keeping the lights on. They don’t have the capacity or time to think of other (potentially more efficient) solutions. In addition, the risk of wholesale change to business operations is a major concern and many firms are looking to make incremental changes by adding the best bits of technology together in a modular approach. Outcomes from some of Objectway’s clients has shown this to be a successful approach . Furthermore, many firms aren’t aware of the capabilities that technology will allow. For example, it is possible to construct portfolios based on client preferences and rebalance them in real time. The technology to do this is already tried and trusted, it just needs to be adopted.
**RELATED POST**
Digital Transformation
### The digital agenda outlook, for wealth managers
[](/owintalk/the-digital-agenda-outlook-for-wealth-managers/)
Digital Transformation
### What does the Digital Agenda look like for the Next Normal?
[](/owintalk/what-does-the-digital-agenda-look-like-for-the-next-normal/)
**Categories:** #ClientExperience, #HyperPersonalisation, #Scalability, Customer Experience
---
### [Innovating together: what is happening in Wealth & Asset Management](https://objectway.com/innovating-together-what-is-happening-in-wealth-asset-management/)
**Published:** October 15, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Over the last few days, we decided to ask our readers what they thought was the key element enhancing client-advisor relationship. The most popular answer was holistic goal-based advice: an advisory approach that fully addresses current clients’ needs and expectations, knowing their individual circumstances and helping them achieve their personal and financial goals.
**Content:**
[  ](/market-trends/)
###### OCT 15, 2021
# Innovating together: what is happening in Wealth & Asset Management
[Kurt Vanhee](https://www.linkedin.com/in/kurtvanhee/)
Managing Director
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Owin](/owintalk/owin/)[\#DigitalChange](/owintalk/digitalchange/)[\#Digitalisation](/owintalk/digitalisation/)
Innovating together: what is happening in Wealth & Asset Management
The AM Tech Day held in Paris and organised by AGEFI, leading media group for the financial community in France, was again the-place-to-be for everybody who wants to keep himself/herself up to speed with what is happening in the Wealth and Asset Management space, in France and across Europe. A physical event, after a long period of virtual events, was appreciated by the audience! This event brought together 800+ professionals that were a broad and diverse representation of asset and wealth mangers, private banks, fintechs and solution providers. We had the opportunity to listen to and discuss about the latest trends in the financial services industry.
Who is the perfect partner?
This was the main theme of the day. It is clear that in this era of effective collaboration and maximised hyperpersonalisation of client experience, institutions need innovative and robust solutions. Decision makers look into the market for solutions even before the option of ‘building it ourselves’ is explored. This is driven by the pursuit of maximising the time-to-market. Solution providers are aware of this, and focus on open systems and open components that can easily interact or be integrated in other ecosystems. Objectway is one of the pioneers in designing solutions with open architecture. Openess and API facilitate collaboration and access to innovation.
Outsourcing, integrating
Another topical trend that was highlighted and discussed during the event was oursourcing, in the broad sense of the word. Outsourcing accelerates growth and maximises efficiency. Wealth companies want to focus their people on areas where the growth is: client acquisition and client satisfaction. Innovative solutions that support this process, integrated in a wider ecosystem, powered by hyperpersonalisation, are more than ever in demand. Several workshops elaborated on this topic, powered by some real showcases.
Fintech into the spotlight
The role of fintechs was, same as in previous editions, put into the spotlight: young people with refreshing views or experienced experts building point solutions. In multiple sessions, the opportunities, challenges and pitfalls of partnering with start-ups and/or fintechs were further elaborated. A topic that captivated a large group of participants, as starting to develop a company-wide culture for innovation, and integrating it into strategic planning and budget process, remains a pivotal matter to deal with for imcumbents firms.
And at the end of day, it was time to discover some gastronomic creation and innovation brought by the pastry chef of a renomated hotel in Paris. Some relaxation after a very interesting day.
**RELATED POST**
Digital Transformation
### Digital Transformation – A Critical Enabler to Achieve Business Objectives
[](/owintalk/digital-transformation-a-critical-enabler-to-achieve-business-objectives/)
**Categories:** #DigitalChange, #Digitalisation, #Owin, Market Trends
---
### [The digital agenda outlook, for wealth managers](https://objectway.com/the-digital-agenda-outlook-for-wealth-managers/)
**Published:** October 12, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Digitising wealth management is top of mind. Firms must ensure their digital channels are fit for purpose when it comes to delivering a great client experience
**Content:**
[  ](/digital-transformation/)
###### OCT 12, 2021
# The digital agenda outlook, for wealth managers
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
Client Development Director
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#HyperPersonalisation](/HYPER-PERSONALISATION/) [\#Digitalisation](/digitalisation/)\#Scalability
The Goodacre Securities Industry Conference was the “cannot miss” appointment for the UK Securities industry to discuss around the priorities for Wealth Management firms over the coming 12 months. Digitising wealth management is top of mind. As Objectway’s recent research with senior wealth managers and many ongoing conversations with board level executives confirm, the sector sees this as critical in order to achieve client growth and operational scale. Covid-19 has amplified the spotlight on digitising the sector. Indeed, 75% of clients believe that improved digital engagement will make them want to see their wealth manager even more. Client demands have changed and their digital experience is now a real differentiator between firms: a personalised experience is seen as a reason to stay with or choose another firm. As a result, firms must ensure that their digital channels are fit for purpose when it comes to delivering a great overall client experience.
Achieving hyper personalisation
More than half of 48 wealth management firms that Objectway spoke to earlier this year are developing their own hyper personalised strategies and their current state of progress varies considerably. Most firms would like to be able to offer personalised portfolio construction based on client preferences, and 4/10 firms are currently implementing this. One of the major hurdles is the state of data in wealth firms. This is often wide spread in multiple systems and manually inputted leading to duplication and error. Firms are aware and realise the importance of addressing this as they look to change/upgrade their systems.
Achieving operational scale
The vast majority of firms in the industry are not scalable and haven’t been for many years. One of the main reasons for this is inefficient IT and Operations. IT costs as a percentage of total revenue vary significantly across the industry. The median is close to 10%, however the peak is over 30%! Legacy IT systems are a major contributor to this statistic and most firms are burdened with multiple systems, which are not well integrated and require many manual workarounds to communicate. Currently, there is a negative correlation between IT spend and profitability in the market. Firms appreciate that changing and simplifying their IT estate will be a major challenge. There is a shift in the market to consider flexible modular architecture as opposed to a one size fits all approach. Overall, there is a massive opportunity in the sector to improve efficiency and scalability through digital change.
Indeed, during the conference Objectway discussed examples in the industry of [firms who have successfully managed to grow at scale](https://www.objectway.com/download-case-study-how-to-become-a-leading-digitally-enabled-wealth-manager/) post digital transformation.
**RELATED POST**
Digital Trasformation
### What does the Digital Agenda look like for the Next Normal?
[](/owintalk/what-does-the-digital-agenda-look-like-for-the-next-normal/)
**Categories:** #Digitalisation, #HyperPersonalisation, #Scalability, Digital Transformation
---
### [Leveraging a strong UXD process to gain your client’s trust](https://objectway.com/leveraging-a-strong-uxd-process-to-gain-your-clients-trust/)
**Published:** October 6, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** UXD is the process used to create specific products considering the whole context: from the user’s most intimate thoughts to the whole context of use in the physical world.
**Content:**
[  ](/customer-experience/)
###### OCT 7, 2021
# Leveraging a strong UXD process to gain your client’s trust
[Simone Lelli](https://www.linkedin.com/in/simonelelli/)
Senior UX/UI Specialist
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#CustomerJourney ](/owintalk/customerjourney)[\#ClientExperience](/owintalk/clientexperience)
Today we are all living in a deeply digitalised era, experiencing a massive amount of connected products and services every day. From websites to mobile apps, from wearables to smart homes and the internet of things: digital experiences are permeating every detail of our lives.
Even if the Customer Experience (CX) is defined by a multitude of elements along the entire relationship between brand and customer, it is still easy to understand what the role digital of interfaces is: a strong Customer Experience needs to be supported by an effective and carefully designed digital experience.
This is the reason why UXD (User Experience Design) is so important for a successful CX.
UX (User Experience) is the specific experience of a user interacting with a certain product or service.
UXD is the process used by design teams to create specific products considering the whole context: from the user’s most intimate thoughts to the whole context of use in the physical world. The whole process requires a seamless merger of several disciplines such as functional requirements, user research, branding, interface design, usability and engineering.
Some companies may have their own internal UXD team, others would engage external companies with design expertise to support their processes.
Notwithstanding, UXD teams work with a holistic approach: as the word itself says, “experience” is a wide concept that put all different factors together, looking for answers to a lot of open questions about:
- Users needs – Which are their desires? Which are their goals?
- Users interactions – How they interact with that tool? There are some criticisms?
- Users context – Where they use the product? When, how much time? Which conditions could impact in a significant way the product usage?
Answering these questions allow UXD teams to deliver delightful experience, using scientific methods to achieve this goal:
- Research, both qualitative then quantitative
- User interviews
- User personas and mindsets
- User testing sessions
UXD is a discipline that considers the “Why, What and How” of the product use with a strong focus on the user and the entire context in which they act.
UX designers are not “creatives” who make creative things for the sake of their own inspiration: they are problem solvers that apply creative approach to the analysis of data, facing with real challenges in a concrete world.
The strength and value of UXD process and teams can increase constantly if applied iteratively: following the customer evolution over time is fundamental to maintain a positive experience with them and become a respected financial brand.
In a fully digitalised world, great experiences are the key to creating and maintaining strong connections with our customers and earning their trust.
**RELATED POST**
Customer Experience
### How Emotional Design fits inside a great CX
[](/owintalk/how-emotional-design-fits-inside-a-great-cx/)
Customer Experience
### Level Up Client Communication In 2021, And Beyond
[](/owintalk/level-up-client-communication-in-2021-and-beyond/)
Customer Experience
### Reimagining CX in the Post Covid Era to Build a New Tomorrow
[](/owintalk/reimagining-cx-in-the-post-covid-era-to-build-a-new-tomorrow/)
**Categories:** #ClientExperience, #CustomerJourney, Customer Experience
---
### [What will the future digital agenda look like for wealth managers?](https://objectway.com/what-will-the-future-digital-agenda-look-like-for-wealth-managers/)
**Published:** September 28, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Wealth managers firmly believe that digital transformation is critical in enabling them to achieve their high priority business objectives.
**Content:**
[  ](/digital-transformation/)
###### SEPT 29, 2021
# What will the future digital agenda look like for wealth managers?
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
Client Development Director
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#DigitalChange](/digitalchange/)[\#Digitalisation](/digitalisation/)[\#DigitalEngagement](/digital-engagement/)
Recent research conducted by Objectway with senior wealth managers shows that digital services play a critical role in enabling them to achieve their business objectives of growth and scale. Indeed 7/10 firms believe their current state of technology is inefficient and will need to change to meet their business goals over the next 12-18 months. At the same time, the demands of clients have changed significantly during the lockdown and are set to continue as part of the new normal. Digitalisation has now become a major differentiator for them when deciding to remain with or choosing a firm, and as much as 60% are likely to look for another wealth manager if improvements in digital engagement with their firms are not met.
Digital acceleration and adoption of new technology in a changed operating model have been catalysts for increased IT spend this year. A shift in customer preferences for digital channels, along with a focus on lowering operating costs and on new revenue streams, are at the core of these investments
Digital Acceleration Drives Greater Investments
The COVID-19 pandemic caused a major shift in the use of digital tools to reach customers, while customers themselves increased their demand for digital channels and interaction. Naturally, this increase in digital engagement will drive further expenditure.
The marked shift towards digital over the past year has highlighted where processes are not fully digitised: new customer acquisition and onboarding, for instance, remain challenging and will represent key areas of investment as part of a new, effective client lifecycle management strategy.
Responding to the pandemic and determining the next normal, in fact, is still a work-in-progress. Research with senior executives shows that 7/10 firms are either planning or implementing their “new normal” strategy to drive the business forward and only 1/10 have fully implemented it.
How will firms address this?
In order to grow at scale, firms will have to overcome the deeply embedded challenges of an industry which has inefficient IT and Operations. For example, IT costs as a % of revenue vary significantly from approximately 3-30%! The majority of firms are not scalable and are unable to absorb added revenue without adding a greater proportion of cost. Senior executives have stated that digital change will focus on updating/changing legacy systems, automating the front end to improve advisor productivity (and give back more time for value added activities), and ensure improved client communication and overall client experience. There are examples in the market of firms that have achieved very successful outcomes through digital change. On the other hand, firms that stand still will lose out to digitally savvy competitors.
We’ll be discussing these and other useful industry insights at the Goodacre Securities Industry Conference on Friday, October 1st. You can register at this [link](https://www.goodacreuk.com/forthcoming-events/securities-industry-conference-2021/individual-registrationhttps://www.goodacreuk.com/forthcoming-events/securities-industry-conference-2021/individual-registration).
**Categories:** #DigitalChange, #DigitalEngagement, #Digitalisation, Digital Transformation
---
### [L’innovazione dei Servizi Cross Border per il Private Banking](https://objectway.com/linnovazione-dei-servizi-cross-border-per-il-private-banking/)
**Published:** September 23, 2021
**Author:** Silvia Boccuzzi
**Content:**
[  ](/advisory/)
###### SEP 23, 2021
# L’innovazione dei Servizi Cross Border per il Private Banking
[Nicola Pepè](https://www.linkedin.com/in/nicola-pepe-6569861/)
Senior Business Development Manager
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Riskmanagement](/risk-management/)[\#Regtech](/regtech/)[\#Backoffice](/back-office/)[\#Digitaladvisory](/digital-advisory/)
Al Salone del Risparmio 2021 abbiamo illustrato cosa significhi offrire un servizio cross border a supporto dei servizi finanziari di Wealth Management, dove il cliente si trasforma da soggetto interessato solo all’andamento del proprio portafoglio finanziario ad investitore sovranazionale che si occupa delle dinamiche di gestione della sua ricchezza e della mitigazione dei rischi.
Per implementare un servizio di tale complessità è necessario identificare un ecosistema di competenze che prevedono una serie di professionalità e di professionisti dedicati ai temi del Wealth e dell’Asset Management con esperienze in ambito applicativo, operativo, fiscale e regolamentare nazionale ed internazionale.
E’ necessario conoscere le differenze regolamentari, del sistema fiscale, gli elementi valutari tipici delle operazioni off-shore, conoscere le diverse modalità di execution, i tecnicismi di gestione dei servizi senza la detenzione dei beni e i benefici e limitazioni dei servizi bancari off-shore.
Trattare tutti questi argomenti in maniera adeguata non basta per raggiungere lo scopo, occorre un approccio consulenziale globale affinché questi elementi siano armonizzati, contestualizzati e simulati all’interno di uno scenario operativo coerente con le esigenze e le caratteristiche dell’istituzione finanziaria, che è un unicum nel mercato del Wealth Management e come tale deve essere valorizzata.
Per questo motivo la prima attività importante da finalizzare è uno studio di fattibilità per individuare lo scenario operativo più idoneo, in grado di essere snello, flessibile e funzionale a connotare in un contesto internazionale i servizi finanziari da offrire ai propri clienti UHNWI.
Una volta validato lo scenario rispondente anche alle esigenze di time to market segue la progettazione dell’architettura applicativa che tenga conto delle principali differenze di servizi che gli attori local e global possono erogare all’investitore, considerando l’accordo di distribuzione che regola i servizi finanziari senza detenzione dei beni offerti dall’istituzione finanziaria ed i servizi bancari e di custodia forniti dalla banca depositaria.
La progettazione prevede generalmente anche l’innesto di una nuova piattaforma applicativa a supporto della gestione di portafoglio e del back-office titoli nell’ecosistema applicativo ed informativo in essere, per ridurre gli impatti di integrazione e salvaguardare la consistenza delle informazioni trattate attraverso le interfacce proprietarie rese disponibili dalle controparti.
Nel progetto è naturalmente necessario considerare il rispetto dei requisiti regolamentari di entrambi i paesi coinvolti nel modello: a titolo esemplificativo la gestione delle segnalazioni di antiriciclaggio AML, delle segnalazioni di Vigilanza e la Normativa MIFID2 per i servizi finanziari offerti in Italia.
Inoltre è importante, riuscire ad abilitare una forte interazione tra i diversi professionisti e studi professionali al fine di integrare le molteplici competenze e presidiare in maniera consapevole le numerose attività che verranno svolte per raggiungere l’obiettivo.
Per realizzare questa iniziativa caratterizzata da complessità di progettazione, sviluppo organizzativo e adeguamento tecnologico/applicativo si rende necessario l’ingaggio di un partner altamente qualificato, esperto e competente di componenti applicative, ma soprattutto organizzative, operative, normative e fiscali, in grado di semplificare tematiche complesse ed essere sintesi e guida di alto profilo in campo consulenziale globale nell’ambito del Wealth, dell’Asset Management e dei processi Bancari.
**Categories:** #BackOffice, #DigitalAdvisory, #Regtech, #RiskManagement, Advisory
---
### [Costruire portafogli modello risk-based](https://objectway.com/costruire-portafogli-modello-risk-based/)
**Published:** September 14, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Investors will recognise ESG as a core part of how they invest and assess value and risk, as a meaningful business driver with potential to power performance.
**Content:**
[  ](/performance-and-risk/)
###### SEP 16, 2021
# Costruire portafogli modello risk-based
[Objectway](https://it.linkedin.com/company/objectway)
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#PortfolioOptimisation](/portfolio-optimisation/)[\#RiskManagement](/risk-management/)[\#Portfoliomanagement](/portfolio-management-h/)
Negli ultimi 20 anni i mercati finanziari hanno dovuto fronteggiare almeno quattro periodi di crisi di cui due di carattere prettamente finanziario (2008 mutui subprime, 2012 crisi del debito sovrano) e due legati a fattori esterni all’economia (2001 Twin Towers, 2020 Covid) a testimonianza del fatto che qualsiasi componente di rischiosità viene completamente recepita dalle quotazioni di mercato.
La diffusione dell’epidemia di Covid-19 ha avuto un impatto significativo sui rendimenti delle Asset Class nel primo trimestre del 2020, generando pesanti perdite su tutti i listini mondiali. A titolo di esempio, l’indice Dow Jones è passato da un valore di 29.551,42 punti del 12 Febbraio 2020 a un valore di 18.591,93 del 23 marzo 2020 facendo registrare un calo del 58,95% in soli 40 giorni.
La frequenza di tali crisi ha generato profonde riflessioni negli utenti incaricati di governare i processi di investimento e di costruzione dei portafogli modello, imponendo una doverosa riflessione: ha ancora senso impostare il lavoro di creazione dei portafogli ragionando in termini di rendimenti attesi?
In uno scenario volatile anche a causa di fattori esogeni ai mercati, l’analisi della rischiosità diventa cruciale anche per formalizzare al meglio i processi decisionali all’interno dei comitati investimenti, focalizzandosi sull’individuazione dei precisi obiettivi di rischio che si è disposti a sopportare.
Quale livello di VaR o Volatilità voglio assegnare al mio portafoglio in corso di creazione? Rispondendo a questa domanda tramite l’inserimento di un preciso valore di rischio, il portfolio manager definisce il punto di partenza per una creazione di un portafoglio con focus risk-based.
Avvalendosi di approfondite metriche algoritmiche come l’algoritmo proprietario di Objectway “Modified-Roncalli” che si basa su un approccio di tipo risk parity , oppure una metodologia di ribilanciamento dei portafogli rispetto a un benchmark risk portfolio , l’utente è accompagnato nel processo di creazione del portafoglio fino all’ ottenimento di un vettore di pesi in termini di capital allocation che rispecchi il profilo di rischio precedentemente definito.
Inoltre, al fine di ottenere una panoramica di possibili soluzioni in termini di valori di rischio, l’utente ha la possibilità di effettuare una serie di attività di analisi di scenario attraverso un tool di simulazione che consente di costruire una frontiera con differenti valori di rischio: questo tipo di approccio permette di visualizzare i cap e floor all’interno dei quali muoversi dinamicamente, visualizzando in tempo reale le capital allocation associate ad ogni valore di rischio.
**RELATED POST**
Performance & Risk
### ESG Spotlight: What are the Major Challenges Facing Senior Leaders?
[](/esg-spotlight-what-are-the-major-challenges-facing-senior-leaders/)
Performance & Risk
### ESG: A major differentiator of wealth management firms
[](/esg-a-major-differentiator-of-wealth-management-firms/)
Performance & Risk
### ESG: A Golden Opportunity to Engage with Clients
[](/esg-a-golden-opportunity-to-engage-with-clients/)
Performance & Risk
### ESG: Gaining an Edge Through Digital Change
[](/esg-gaining-an-edge-through-digital-change/)
Performance & Risk
### Utilising ESG within sustainable investment process
[](/utilising-esg-within-sustainable-investment-process/)
Performance & Risk
### ESG: alla Ricerca della Sostenibilità
[](/esg-alla-ricerca-della-sostenibilita/)
**Categories:** #PortfolioManagement, #PortfolioOptimisation, #RiskManagement, Performance & Risk
---
### [I servizi di investimento cross border: il sentiment del mercato italiano](https://objectway.com/i-servizi-di-investimento-cross-border-il-sentiment-del-mercato-italiano/)
**Published:** September 14, 2021
**Author:** Silvia Boccuzzi
**Content:**
[  ](/advisory/)
###### SEP 14, 2021
# I servizi di investimento cross border: il sentiment del mercato italiano
[Objectway](https://it.linkedin.com/company/objectway)
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Riskmanagement](/risk-management/)[\#Regtech](/regtech/)[\#Backoffice](/back-office/)[\#Digitaladvisory](/digital-advisory/)
Nelle scorse settimane abbiamo lanciato un sondaggio e chiesto ai nostri lettori, tramite i nostri canali social, di esprimere il loro pensiero. Il quesito indagava la capacità delle società del mondo finanziario di fornire ai propri clienti servizi di investimento cross border, che permettono all’investitore di effettuare l’acquisto e la vendita di strumenti finanziari negoziati in mercati esteri con la partecipazione di controparti residenti in paesi diversi da quello di residenza. Una possibilità che nasce grazie alla crescita delle dimensioni dei mercati finanziati e che permette ai clienti di diversificare i propri investimenti su scala globale, abbattendo il diversificare.
Il quadro emerso dal sondaggio presenta una situazione in divenire, destinata a mutare nei prossimi mesi e anni. In particolare, le società di investimento che hanno partecipato affermano che sono solo in parte pronte ad offrire questo tipo di servizio ai propri clienti. Ad oggi, solo il 15% dei rispondenti offre servizi di cross border per facilitare la gestione del rischio e permettere di diversificare il portafoglio degli investitori.
A questa percentuale minore, si aggiunge un 38% dei rispondenti, i quali affermano di offrire tale servizio specificatamente su richiesta dei clienti, comprendendo le transazioni cross border nella propria offerta, per assecondare questa esigenza.
Al contrario, la stessa percentuale di rispondenti, 38%, afferma di non offrire attualmente alcun tipo di servizio cross border, ma si adopererà in futuro per rendere disponibile questa opportunità. Hanno quindi riconosciuto il valore del servizio, ed è in progetto di implementarlo nel prossimo futuro, ma non sono ancora pronti a soddisfare questa necessità del mercato.
Infine, l’8% dei rispondenti non è interessato ad offrire tale servizio, nè ora nè in futuro, di fatto rinunciando ad intercettare un bisogno di quella clientela definita HNWI e UHNWI che intende diversificare il proprio portafoglio e calmierare i rischi del mercato finanziario e degli avvenimenti globali.
Il quadro attuale denota quindi un interesse attivo e positivo verso il tema, con una parte di mercato già pronta a soddisfare questo bisogno, e un’altra in procinto di adattare la propria offerta, dando ai propri clienti un ulteriore strumento per diversificare il proprio portafoglio.
Il tema degli investimenti cross boroder, sarà trattato anche al Salone del Risparmio 2021, il 15 Settembre insieme ai colleghi di Cassa Lombarda e PKB, per discutere delle ultime novità del tema. Per partecipare, seguendo la conferenza dal vivo o in streaming, è possibile registrarsi [qui](https://www.salonedelrisparmio.com/conferences?id=831)
**Categories:** #BackOffice, #DigitalAdvisory, #Regtech, #RiskManagement, Advisory
---
### [From My To Our: Building One Meaningful Community Together](https://objectway.com/from-my-to-our-building-one-meaningful-community-together/)
**Published:** September 9, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** In July we have launched our renewed, faster, easier to navigate and more user-friendly corporate portal that goes under the name of One Objectway.
**Content:**
[  ](/about-objectway/)
###### SEP 9, 2021
# From My To Our: Building One Meaningful Community Together
[Marianna Vilardi](https://www.linkedin.com/in/marianna-vilardi-1bb057163/)
Marketing Content Creator
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Workspace](/workspace/)[\#OneObjectway](/one-objectway/)
Objectway has grown and evolved significantly over the past year. At the beginning of 2021 we started to update our design system. Since then, from our overall rebrand journey, to our new website and blog, we have refreshed our look to reflect who we are. We have tailored a brand identity that explicitly manifests our values, while staying true our focus.
As part of the ongoing development of our organisation, after months of hard work and seamless collaboration, in July we have launched our renewed, faster, easier to navigate and more user-friendly corporate portal that goes under the name of One Objectway.
Today, our new corporate portal features a modern design, and it becomes part of the overall brand experience, this time internally speaking. It reflects Objectway’s bold, energetic and forward-looking culture, designed to inspire our people as we all continue to provide quality value and services to our clients.
But design isn’t enough, is it right? Not if it is not supported by purpose and a vision.
Much more than a corporate portal, a community manifesto
There’s this African proverb, you know, that says “It takes a village to raise a child”. It fundamentally means that an entire community of people should provide for and interact positively with children for those children to experience and grow in a safe environment. Let us misquote from this, and rather say that it takes a village to raise a community. And back then digital wasn’t even a thing.
Now that Covid-19 pandemic has changed our work practices and altered our work culture in ways we never anticipated, perhaps permanently, insisting on community has turned into a prerogative of ours as we build the Objectway of tomorrow.
As simple as it sounds, communities have the extraordinary power to unite people, make us feel part of something greater, allow us to interact, discover, share, achieve together. And if it’s true that the pandemic has cost us community in many ways, it has not stopped us from connecting with each other – that remains on us.
Since we are still largely working remotely, we have given new life to our community by providing everyone with a tool that furthers connection and makes us feel closer to one other.
Make One Together, our slogan, is our mission: to power up relationships, to forge bonds that last, to encourage relevant exchange, to belong in our brand. To create, cultivate, cherish One meaningful community Together.
This way, One Objectway becomes much more than a corporate portal, it becomes everyone’s place, everyone’s point of reference for sharing what is happening within our company, getting to know our colleagues, understanding how different teams operate, finding useful information for daily activities and collaborating in an original way.
Our new homepage hosts our values, our commitment to make a greener Objectway, it calls on our people to say goodbye to blue Mondays and embrace green Mondays, just to name one, to foster a cohesive and dynamic community powered by change that looks at the highest good of all; one that cooperates, collaborates and commits to forge together an organisation of changemakers.
It invites to stay in touch with the latest news about Objectway: publications on local and foreign newspaper, HR communications and a newly inaugurated section by the name of “Life in OW” where to discover all the initiatives shaping Objctway’s very authentic self.
One Objectway is the result of a more inclusive effort to help our people feel connected, both to each other and to our organisation. We recognise community will be the lifeblood of our company, and we are committed to invest in our community day after day.
After all, this is just the beginning.
**RELATED POST**
About objectway
### Towards the New Normal, Chapter One: React
[](/towards-the-new-normal-chapter-one-react/)
About objectway
### Towards the New Normal, Chapter Two: Recover
[](/towards-the-new-normal-chapter-two-recover/)
**Categories:** #OneObjectway, #Workspace, About Objectway
---
### [Private Banking: diversificare il rischio paese “a kilometro zero”](https://objectway.com/private-banking-diversificare-il-rischio-paese-a-kilometro-zero/)
**Published:** September 3, 2021
**Author:** Silvia Boccuzzi
**Content:**
[  ](/advisory/)
###### SEP 7, 2021
# Private Banking: diversificare il rischio paese “a kilometro zero”
[Filippo Casolari](https://www.linkedin.com/in/filippo-casolari-a509b710/)
Vice Direttore Generale di Cassa Lombarda
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Riskmanagement](/risk-management/)[\#Portfoliomanagement](/portfolio-management-h/)[\#Onboarding](/onboarding/)[\#Clientrelationship](/client-relationship/)
In un contesto caratterizzato da una progressiva e crescente virtualizzazione, dalla piena dematerializzazione della ricchezza finanziaria e dalle opportunità create dalla digitalizzazione dei servizi, continuano tuttavia a mantenere la loro storica attrattività le “piazze” che nell’immaginario collettivo, a torto o a ragione, si ritiene che possano fortemente mitigare o addirittura azzerare il cosiddetto rischio paese.
Ma cos’è esattamente il rischio paese e quali effetti può avere sui patrimoni?
La reputazione di un paese da questo punto di vista non si improvvisa, o non si costruisce con una campagna di marketing: è l’effetto naturale della sedimentazione di secoli di storia che hanno provato la stabilità, l’affidabilità e la tutela del diritto di proprietà, facendone un “bunker” inespugnabile nelle fasi più tumultuose da un punto di vista geo-politico.
I continui flussi di capitale verso questi paesi, nonostante la perdita dello status di paradisi fiscali che li aveva caratterizzati in passato, si spiega in un certo senso come esercizio di tail risk management e cioè di gestione preventiva di rischi a bassissima probabilità di accadimento ma ad impatto devastante, che come tutti gli hedge di portafoglio hanno un costo.
Innanzitutto si tratta di costi di accessibilità, perché gli intermediari residenti in questi paesi tipicamente non possono prestare i propri servizi di investimento oltre i propri confini, con le difficoltà logistiche che ne conseguono e gli effetti negativi sull’efficacia dell’attività di consulenza, che ne risulta fortemente compromessa sotto il profilo della personalizzazione, che è un aspetto di fondamentale importanza per il segmento degli UHNWI.
Esiste una soluzione per risolvere questo trade – off?
Si può ipotizzare un modello di servizio che coniughi gli aspetti di safety derivanti dalla detenzione del patrimonio in paesi bullet proof – come la Svizzera, ad esempio – e che al contempo consentano al cliente – ipotizziamo italiano – di fruire dei servizi di investimento, gestione patrimoniale o consulenza evoluta, con la comodità derivante dalla prossimità di un intermediario domestico con cui poter interagire liberamente e frequentemente senza dover passare il confine, in piena conformità al framework regolamentare e fiscale locale e internazionale?
In altre parole, è possibile offrire al cliente residente italiano una gamma completa e integrata di servizi che coniughi il meglio dei due mondi, con un reale approccio olistico glocal, con la diversificazione del rischio paese “a kilometro zero”?
E’ possibile, ma molto complesso da un punto di vista organizzativo. Richiede innanzitutto un gruppo internazionale con entità affermate e autorizzate, che sia in grado di mettere a leva le sinergie intragruppo integrando i processi sottostanti ai servizi di investimento della banca italiana con quelli relativi ai servizi bancari di conto corrente e di custody della banca svizzera.
La complessità di progettazione, sviluppo organizzativo e di adeguamento dell’infrastruttura tecnologico – applicativa a supporto del business model rende necessario anche l’ingaggio di un partner altamente qualificato, esperto e competente non solo sulle componenti di sviluppo applicativo, ma anche e soprattutto sulla business logic e sull’interpolazione di differenti quadri normativi e requisiti internazionali.
Di questo e di altre interessanti tematiche ad esso correlate, parleremo insieme al Salone del Risparmio 2021, rimanete sintonizzati.
**Categories:** #ClientRelationship, #Onboarding, #PortfolioManagement, #RiskManagement, Advisory
---
### [Banking And Wealth Management: How To Win The Best Of Both Worlds](https://objectway.com/banking-and-wealth-management-how-to-win-the-best/)
**Published:** August 24, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Clients view banking and wealth management as constituent factors of the same financial ecosystem. They will expect to get their financial needs met in one place.
**Content:**
[ ![]() ](/owintalk/open-banking/)
###### AUG 24, 2021
# Banking & Wealth Management: How to Win the Best of Both Worlds
[Marianna Vilardi](https://www.linkedin.com/in/marianna-vilardi-1bb057163/)
Marketing Content Creator
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Artificialintelligence](/artificial-intelligence/)[\#Automation](/automation/)[\#ClientCommunication](/clientcommunication/)[\#Customerjourney](/customerjourney/)[\#Portfoliomanagement](/portfolio-management-h/)
Banking and Wealth Management have always been – and still are – crucial pillars of the whole of the financial services industry, evolving hand in hand with international economic growth and wealth.
With Covid-19 dominating the global narrative, players of the financial services industry have learnt to look at the positives. After all, the pandemic helped to prove the combination of agility and innovation can effectively be a game changer. The speed at which financial services industry transformed to meet their clients throughout the pandemic seems to be the speed at which it aims to continue operating. This requires a culture of proactive change that is typical of a technology-forward institution.
Pushing AI at the heart
Up until recently the banking industry has benefited from well-established business models. The real differentiator was the so-called “efficacy factor”: if it works properly, then it is fine to stick to it.
However, in the past months of the pandemic, all industries were put to the very test that goes under the name of – sudden – digitalisation. Notably, there has been a dramatic increase in the adoption of online and mobile banking channels across countries.
The rise of digital ecosystems transformed the way customers evaluate services and what they expect from service providers, particularly when surrounded by companies continuously raising the bar on personalisation, anticipating customers’ needs before the customer is aware of them and offering highly-tailored services exactly when they need it and though the rightest channel.
Apparently, we are currently migrating towards a holistically-AI-powered digital era, rethinking how to participate in the digital landscape.
It’s not all market trends though. Indeed, AI technology can successfully improve banks’ capabilities in the long-run and achieve the following key results: - Boosting revenues via highly personalised services provided to customers.
- Lowering costs through efficiencies generated by higher automation, reduced error rates and better resource utilisation.
- Uncovering new opportunities based on an improved agility of processes.
- Generating insights from a wide collection of data
In other words, the ideally AI-first bank will offer services and experience that are hyper-personalised and truly omnichannel.
What does the future hold?
Digital transformation will not halt overnight, and as it shapes the future of industries worldwide, it will be gradually blurring traditional boundaries in financial services. Nowadays, clients tend to view banking and wealth management as two halves of the same experience or rather two constituent factors of the same financial ecosystem. Looking ahead, they will expect to get all their financial needs met in one place.
As Gartner says, financial services institutions understand that existing client-facing technologies are not meeting client expectations or supporting digital transformation. Bank CIOs must determine whether or not wealth capabilities are supported by their current Core Banking System and align with LOB (line of business) requirements (Gartner, 2020 Banker’s Guide to Advisor-Supporting Wealth Management Capabilities in Core Banking Systems).
European Wealth, Asset Managers & Banks are accelerating their digital transformation initiatives to offer increasingly personalised, seamless journeys across all banking channels and within partner ecosystems; to forge stronger, deeper customer relationships, achieve higher levels of growth and profitability, and deliver superior client/user experiences.
To remain competitive, a consistent user experience must arise from fully-integrated service, leading from the front-end to the Core Banking System where the processing takes place. These end-to-end processes are only viable with a seamless connection from the front-end to the cloud-ready Core Banking Platform based on an open architecture.
From banks to wealth and asset managers to fintech, 2021 and beyond are likely to be years of profound transformation to find new ways of working together to create a safer, more inclusive and equitable financial market.
**RELATED POST**
Market Trends
### Open Finance: A New Era of Collaboration is Coming
[](/owintalk/open-finance-a-new-era-of-collaboration-is-coming/)
Open Banking
### Objectway and Die Software for the future of Banking
[](/owintalk/objectway-and-die-software-for-the-future-of-banking/)
**Categories:** #ArtificialIntelligence, #Automation, #ClientCommunication, #CustomerJourney, #PortfolioManagement
---
### [LEVEL UP CLIENT COMMUNICATION IN 2021, AND BEYOND](https://objectway.com/level-up-client-communication-in-2021-and-beyond/)
**Published:** August 19, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Digital communication has moved up to the first place on the list of must-dos for 2021 and beyond.
**Content:**
[  ](/customer-experience/)
###### AUG 19, 2021
# Level Up Client Communication In 2021, And Beyond
[Marianna Vilardi](https://www.linkedin.com/in/marianna-vilardi-1bb057163/)
Marketing Content Creator
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#ClientCommunication](/owintalk/client-communication/)[\#ClientExperience](/owintalk/client-experience/)[\#ClientRelationship](/owintalk/client-relationship/)
In the last few years, the client has increasingly grown far more front and centre of the private banking and wealth management sector, and one of the primary concerns is nowadays how to effectively align the needs of the wealth industry – boosting engagement, gain and retain the trusted advisor status – to the needs of those clients and the ongoing demand for client-centricity. All in the age of Covid-19.
In the contemporary everchanging scenario it is actually possible to win the best of both worlds, by start looking in depth at the whole art and science of communicating with private clients.
Digital to conquer client-advisor communication
We all know that from the very beginning communication has represented a key, essential element to optimise client engagement and build a strong client-advisor relationship. Back in the day, the perceived distance between analogue and digital communication was wider and few advisors really felt the need to bridge the gap. Indeed, advisors typically relied on face-to-face activities to interact directly with their clients.
Try to think about it for a minute. The digital tools we have at hand, not to mention the Covid-19 procedures of the last year and a half make it seem quite unfamiliar on present day. Clearly communication with private clients worked best when meetings happened in-person, but with remotisation dominating today’s landscape, the wealth management industry had to promptly adapt and then shift to a remote-first, digitally driven model for clients’ meetings and communications.
Also, delivering carefully curated, relevant, and tailored advice is no longer enough; the rate at which modern technology is advancing results in the need to leverage client behaviour, data, analytics, AI, machine learning, which are all so vital for client engagement and loyalty.
In broad terms, digital communication has moved up to the first place on the list of must-dos for 2021 and beyond.
Reshape the aesthetics of your business
As digital communication is making its way through effectively build a long-standing client relationship together with an engaging client experience, there’s a new area of focus that is increasingly gaining its place in the wealth management industry and it is recognised as the holy grail of client communication; we are talking about aesthetics and it all comes down to how your visual presence matches your client communication.
Let’s take the client-advisor relationship; a meticulously-built, tailored, time-lasting relationship based on the advisor’s ability to effectively and regularly communicate and promptly respond to clients’ needs. The dream ends when the client meets an incongruous brand communication, a messy website, a client portal that takes ages to log in, an overall “pale” appearance.
To communicate is maybe an easy activity, but to forge and cultivate an effective, empathic, proper dialogue with your client is something else. It does not happen merely by adopting digital, it does not begin in a specific moment in time, nor it ends. It is a continuous flow of interaction that involves different facets of your brand.
While delivering hyper-personalised advices in an opti-channel approach will continue to be the key to always upgrade client experience, digitalisation carries with it the need to rethink and reshape the aesthetics of your business, from your website, to your client portal, from your client app to your social media appearance, to deliver and communicate a consistent, dynamic, vibrant, business to your client.
**RELATED POST**
Customer Experience
### Reimagining CX in the Post Covid Era to Build a New Tomorrow
[](/reimagining-cx-in-the-post-covid-era-to-build-a-new-tomorrow/)
Customer Experience
### Leveraging a strong UXD process to gain your client’s trust
[](/owintalk/leveraging-a-strong-uxd-process-to-gain-your-clients-trust/)
**Categories:** #ClientCommunication, #ClientExperience, #ClientRelationship, Customer Experience
---
### [Objectway Commits For The Highest Good Of All: A Sustainability Statement](https://objectway.com/objectway-commits-for-the-highest-good-of-all-a-sustainability-statement/)
**Published:** August 9, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Objectway's commitment through our corporate series of initiatives going by the name of OWGREEN to integrate sustainability into our corporate culture.
**Content:**
[  ](/about-objectway/)
###### AUG 9, 2021
# Objectway Commits for the Highest Good of All:
A Sustainability Statement
[Marianna Vilardi](https://www.linkedin.com/in/marianna-vilardi-1bb057163/)
Marketing Content Creator
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Sustainability](/sustainability/)[\#Workspace](/workspace/)[\#OneObjectway](/one-objectway/)[\#SustainableInnovation](/sustainable-innovation/)
Sustainability has already grown into a key, urgent global issue. Whether clients or people who belong to Objectway community, you have probably heard or read us talking about Environmental, Social and Governance concerns. Well, it’s not all pure business. Today and herein, we speak of our own, personal, commitment through our corporate series of initiatives going by the name of OWGREEN.One of the green issues currently having a major impact on society is indeed plastic, and to be specific the debate over disposable plastic. On this matter, we mention a few sobering statistics:
- 8 billion plastic bottles for 206 litres per capita are sold in Italy every year: 1 million 165 thousand tons of CO2 result from production and transport.
- 25 1.5-litres bottles are fabricated with 17 litres of water and 2 litres of oil.
- Energy consumption is about 2,000 times higher than what needed to obtain the same amount of water supplied by a tap connected to an aqueduct.
Alarming data, isn’t it? Exactly what led us to question ourselves on what we can actively do to – as simple as it is – make things better.
Change starts within
The moment we begun tracing our path towards a greener Objectway, we immediately understood the opportunity and potential an organisation of our size actually has to contribute protecting the planet and preserving the environment for the future generations.
We have been focusing on creating awareness of personal choices and changing behaviours – both within our organisation and among those we interact with.
We have committed to reusing and reducing waste across our worldwide offices, and we started from equipping all our colleagues with their own reusable Objectway bottle to fill and refill. On present day, we promote the use of supplies that are recycled and recyclable, whose production respects sustainability criteria; a little but meaningful example – if you think how many coffees more than 700 people can have each day! – the disposable coffee cups we use are made of recycled paper.
We want to encourage our people to take effective part and drive positive change, starting by greening up their everyday routine with simple good habits: sorting and recycling materials, reducing food waste, avoiding printed paper overuse etc. From in-office life to events we will be hosting or attending, environmental impact will be increasingly considered.
Our company’s sustainability programs and efforts will create value for the long-run, this is why we aim to forge a community of people that want to make change happen, an organisation of changemakers.
For the months to come, we will ensure Objectway’s OWGREEN initiatives align with its vision.
Of course switching to green the right way requires time, but we believe collective action and teamwork to be the keystones to integrate sustainability into Objectway’s corporate culture and our people’s very own work and personal lifestyle.
**RELATED POST**
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### OWIN Talk: Uncover What’s Behind, Discover What’s Beyond
[](/owintalk/owin-talk-uncover-whats-behind-discover-whats-beyond/)
About Objectway
### OWIN: Your Gateway to our Brand
[](/owintalk/owin-your-gateway-to-our-brand/)
About Objectway
### Objectway As You’ve Never Seen it: A Tale of a Rebranding
[](/owintalk/objectway-as-youve-never-seen-it-a-tale-of-a-rebranding/)
**Categories:** #Sustainability, #Sustainableinnovation, #Workspace, About Objectway
---
### [TOWARDS THE NEW NORMAL, CHAPTER THREE: RESTORE](https://objectway.com/towards-the-new-normal-chapter-three-restore/)
**Published:** August 3, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** To continue to grow globally, adapting quickly to change and seeking each other's continued involvement in this exciting journey, beyond the new normal.
**Content:**
[  ](/about-objectway/)
###### AUG 5, 2021
# Towards the New Normal, Chapter Three: Restore
[Tiziana Orlandini](https://www.linkedin.com/in/tiziana-orlandini-94bb1b5b/)
HR Director
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Workspace](/workspace/)[\#OneObjectway](/one-objectway/)
Here we are again.
This story of ours has not yet finished. And still, we have a few things to say before you go.
The previous articles revealed the extent of Covid-19 challenge. The revolution it brought demanded to react with unprecedented weapons and to implement a resilient recovery strategy. For the days to come, these foundations we laid will coexist, combine and recombine to restore who we are, how we work and how we grow.
Create the office of the future, one step at a time
At this stage, we can safely say the era of everybody physically traveling to the office on a daily basis is not likely to resume once the pandemic is over. People became familiar with working remotely and as we sail through and out the new normal, towards the next normal, we realize that the global social transformation is still ongoing and splitting time between office presence and remote work should be increasingly dynamic and flexible.
In times of exceptional change, coming back to what it was cannot happen, traditional models cannot keep up effectively with post-pandemic life.
In the next normal, Objectway will be challenged to integrate a permanent state of flexibility and adaptability into its DNA, to consolidate a renewed way of working and collaborating enabled by technology that does not neglect human contact; and not least to create a workspace that favours inspiration, social interaction and motivation.
To meet each other and having conversation is still an essential feature of our work, to share competences, train, brainstorm, encourage creativity and innovation.
The path for us to follow is a hybrid model that dynamically merges remote working and in-office presence. Such integration is the basis to consolidate all the progresses we’ve made up until now, mitigating potential risks of a fragmented activity and fostering personal relationships. A hybrid, goals-oriented, results-oriented model, that cares deeply for people.
Our offices’ unlocking will be driven by flexibility, simplicity, care for people, responsibility.
In this perspective, the workspace evolves its mission and identity. It is no longer a building, a room, a location, it becomes a priceless source of value where to draw a brand-new sense of belonging and engagement.
We’ve all learned by know how unpredictable life is and that we really can’t imagine what the future holds for us in the years ahead.
However, there is much we can do to guide the future of our company by striving – all of us together – to continue to grow globally, adapting quickly to change and seeking each other’s continued involvement in this exciting journey, beyond the new normal, where everyone of us is the main character.
**RELATED POST**
About Objectway
### Towards the New Normal, Chapter One: React
[](/owintalk/towards-the-new-normal-chapter-one-react/)
About Objectway
### Towards the New Normal, Chapter Two: Recover
[](/owintalk/towards-the-new-normal-chapter-two-recover/)
### L’IMPEGNO DI TUTTI NOI, LE SFIDE CHE AFFRONTIAMO INSIEME
[](https://www.objectway.com/how-we-cope-with-covid/?lang=it)
**Categories:** #OneObjectway, #Workspace, About Objectway
---
### [Navigating The Post Pandemic World: Changes That Are Here To Stay](https://objectway.com/navigating-the-post-pandemic-world-changes-that-are-here-to-stay/)
**Published:** August 3, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Living in a world taken by the digital tools, ESG has gone well beyond the investment community and into the consciousness of the mainstream public.
**Content:**
[  ](/market-trends/)
###### SEP 3, 2021
# Navigating the Post Pandemic World: Changes That Are Here to Stay
[Marianna Vilardi](https://www.linkedin.com/in/marianna-vilardi-1bb057163/)
Marketing Content Creator
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Esg](/esg/)[\#Sustainability](/sustainability/)[\#DigitalEngagement](/digital-engagement)[\#SustainableInnovation](/sustainable-innovation/)
Reading our previous article, you well know by now that digital transformation is currently at the forefront of the wealth industry digital agenda as wealth managers approach the rest of 2021, and far beyond. To effectively drive customer experience, whether B2B or B2C, firms are sailing off to digital.
You may wonder then, what are we debating here? Why writing another piece on it? Well, here’s the thing with trends, there’s always another one right around the concern, and it cannot be left behind.
There actually is a trend that is – above all others – affecting the wealth management. Not surprisingly, we are talking about ESG investing.
ESG, over and over again
Truth be told, it would be a huge mistake to reduce ESG investing to “just a trend”. Environmental, social and governance are all issues people are turning to with a renewed sense of purpose. Indeed, ESG is rather seen as a transformation firms need to promptly detect, understand, address to – especially throughout the asset allocation phase -, an opportunity for growth, increasingly reshaping the wealth investment philosophy, culture and conduct.
A large step towards ESG commitment has been to implement a paperless policy. The impact of wealth managers’ paperwork is costly to both the firm and the environment. Making the shift to digital not only significantly reduces the number of trees cut down each year, but can improve the efficiency, speed of delivery and security associated with paperwork.
As firms are looking at how to align their business model and vision with the ESG offering to provide to their clients, in the next normal we’ll be witnessing a growing concern towards the apparently “look how green I am” firms. Demand for companies to play a more active role in social change is already leading to the urge to designate a person who’s in charge of all ESG related matters. The role of the Chief Sustainability Officer has never been more important to drive strategy and change.
However, before wealth managers can finalise their long-term strategies, they must wait to see the regulatory roadmap unfold.
All eyes are on the FCA to see whether they will follow in the footsteps of the EU or carve a different path. The feeling among wealth managers is that while client demand is bringing attention to ESG, ultimately, regulation is what will drive and shape their ESG offering. While un-regulated, each firm will create their own unique ESG offering. With no clear definition of what ESG is, the door to greenwashing remains ajar.
What to expect
According to Objectway’s research [Setting the Digital Agenda for the Next Normal](https://www.objectway.com/download/?lang=en), one of the major hurdles in firms’ ESG strategy is how to best demonstrate their ESG culture to clients. This data is food for thoughts.
Is assembling a product or solution that is ESG compliant enough? The simple answer is no.
ESG is no longer just a products’ affair, living in a world taken by the digital tools and media, ESG has gone well beyond the investment community and into the consciousness of the mainstream public, which means everyone drawing near you. More than ever, it is growing into an issue of corporate reputation.
Nowadays, people approach companies that care about the environment, prioritise diversity and inclusion and build an employer brand, where individuals come first. Your product and reputation go hand in hand. Therefore, ESG must become a mission of your brand as a whole, not just the products you offer.
Bridging the gap between ESG offering and ESG communication might be the key differentiator helping your company appear more trustworthy and your corporate reputation jumping to the very next level.
**RELATED POST**
Performance & Risk
### ESG Spotlight: What are the Major Challenges Facing Senior Leaders?
[](/esg-spotlight-what-are-the-major-challenges-facing-senior-leaders/)
Performance & Risk
### ESG: A major differentiator of wealth management firms
[](/esg-a-major-differentiator-of-wealth-management-firms/)
**Categories:** #DigitalEngagement, #Esg, #Sustainability, #Sustainableinnovation, Market Trends
---
### [Navigating the Post Pandemic World, One Trend at a Time](https://objectway.com/navigating-the-post-pandemic-world-one-trend-at-a-time/)
**Published:** August 3, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** The wealth industry is currently fast-tracking digital development to improve internal performance and maximise client experience.
**Content:**
[  ](/market-trends/)
###### AUG 26, 2021
# Navigating the Post Pandemic World, One Trend at a Time
[Marianna Vilardi](https://www.linkedin.com/in/marianna-vilardi-1bb057163/)
Marketing Content Creator
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#ClientExperience](/owintalk/clientexperience/)[\#Digitalisation]()[\#DigitalChange](/owintalk/digitalchange/)
In January we shed a light on what we expected to be the trends shaping the Wealth Management industry in 2021. A lot has been said on digital transformation and how it affects client experience, not to mention the growing attention on ESG investing. After nearly seven months, we see these trends have not done yet, and they will continue to pilot the wealth industry.
Now that society seems to be gradually coming out of the storm, only financial institutions that recognise the so called “short-term measures” as market trends potentially driving the future will be able to move forward in an industry that is bound to be even more competitive in the next normal.
Thanks god it’s digital
It is safe to say that the health crisis has not exceedingly altered the overall strategic imperatives; long before Covid-19, digital has been playing a crucial role as a key driver for economic growth and social transformation. However, there is no denying it has accelerated the degree to which digital is fundamentally changing business, paving the way for more rapid, technology-driven changes going ahead.
According to Objectway’s research [Setting the Digital Agenda for the Next Normal](https://www.objectway.com/download/?lang=en), the wealth industry is currently fast-tracking digital development to improve internal performance and maximise client experience. If not properly addressed, digital transformation will widen the gap between those firms that are willing to explore innovative digital operating models, and those with a poor digital offering that will struggle to survive in the digital landscape.
The digital client experience
In the next normal, firms will be demanded to provide existing services in a more cost-efficient or scalable way to both retain existing customers and acquire new customers.
Indeed, although rarely thought as a cost-cutting exercise, digital is actually a powerful mean to enable scalability and improve client experience. In times where in-person meetings, events, or any other occasion for exchange run low, the client portal becomes the heart of the digital experience.
Future developments will target new features to make the portal more interactive, offering services such as secure messaging, money transfer & online payments, access via mobile app etc. against the basic services offered by the view-only portals; a well-developed portal will provide clients with unlimited, easier access to their portfolio and a direct channel to communicate with the relationship manager.
Technology is therefore being used to maximise the user experience, to take the service firms offer to the next level. Through digital tools, firms are able to keep customers’ attention alive with the implementation of highly customised communication tactics and experiences.
On this matter, client onboarding is now a primary area of focus. Developing smooth onboarding process will be one of the major differentiators between firms, making client relationship start on a positive footing and providing the chance to efficiently capture data and feed it into the CRM system.
For this reason, companies are looking to integrate onboarding into the client portal to offer clients more exposure to the process. Providing clients with the ability to login and sign documents can significantly speed up the time taken to onboard each client.
The client-advisor relationship has undergone a digitally driven evolution too. The well-known traditional advisor has given way to the digital advisor, whose relationship with clients will develop in a hybrid model. Advisors will try to reshape the “trust component” in a digital setting via the typical elements of a digital relationship, for ex. remote communication. All this will encourage the advisor to acquire a new palette of competences starting from a framework of communication techniques that are totally different than before. Adopting new languages represents a golden opportunity to detect new clients belonging to the new digital-native generations.
Stay tuned to read more about what we’ll be expecting for the next normal.
**RELATED POST**
Digital Transformation
### What does the Digital Agenda look like for the Next Normal?
[](/what-does-the-digital-agenda-look-like-for-the-next-normal/)
Digital Transformation
### Digitising Wealth Management in the Post-Pandemic Future
[](/digitising-wealth-management-in-the-post-pandemic-future/)
**Categories:** #ClientExperience, #DigitalChange, #Digitalisation, Market Trends
---
### [How Emotional Design fits inside a great CX](https://objectway.com/how-emotional-design-fits-inside-a-great-cx/)
**Published:** July 28, 2021
**Author:** Silvia Boccuzzi
**Content:**
[  ](/customer-experience/)
###### JUL 29, 2021
# How Emotional Design fits inside a great CX
[Simone Lelli](https://www.linkedin.com/in/simonelelli/)
Senior UX/UI Specialist
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Digitalengagement](/digital-engagement/)[\#Clientrelationship](/client-relationship/)[\#Clientexperience](/clientexperience/)[\#Onboarding](/onboarding/)[\#Customerjourney](/customerjourney/)
As we already seen on our previous articles, a great customer experience, showing a holistic view of the brand with great empathy towards clients, is a key driving factor of a successful company.
This holistic view is clearly the key if we consider that 79% of U.S. customers only consider those brands that understand and care about them.
Reviewing the various research it’s easy to conclude that customers who have an emotional connection with a brand have a 300% higher lifetime value and recommend brands more than their satisfied but not emotionally connected peers.
During last year, the pandemic and a widespread generational change in the managed wealth public boosted the digitalisation of financial services in an unpredictable way at incredible speed.
The implications are clear: the quality of the digital services offered to the customers is crucial. Whilst remote access to services has become available, digital touchpoints became a significant landmark in the overall customer journey.
What does this mean for financial institutions? The majority of customers consider the leading social media platforms or other entertainment apps as their benchmark for what a good digital experience should be.
Keeping up with those expectations can be difficult: finance companies need to find out what users love about their products in order to integrate that into a more emotionally engaging experience.
This is why the design of digital products and services is one of the foundations for a successful CX. And this is also the reason that design practices need to include Emotional Design into their process.
But what is Emotional Design? It’s a design approach to create products and services that evoke emotions which result in positive experiences.
Emotional Design must address three levels of cognitive responses: - Visceral: customers’ gut reactions to first impressions of the product: “I want it!”
- Behavioural: customers subconsciously evaluate product performance and usability: “It makes me feel smart, it’s a pleasure to use!”
- Reflective: customers consciously judge performance and benefits, including value for money and a general personal satisfaction: “It completes me!”
Obviously, a product has to be functional, reliable and usable before such a layer can be applied.
An effective Emotional Design Strategy has two aspects:
- The creation of something unique to reflect the brand style and to evoke a positive response in the customers
- The usage of that **style** until it becomes a real personality layer
Happy customers will keep using the product, form emotional bonds and tell others about.
To apply Emotional Design to its products, a brand needs to reach a deep understanding of its own customers through user research and great data analytics. The rise of A.I. will be essential in order to work more efficiently on user data and to allow digital products to efficiently anticipate and accommodate users’ needs and responses.
It’s also often useful to honestly ask: “does the overall CX put the customers first and care about them, providing the needed solutions and helping them in any possible way?”
Make this answer “yes” and become an aspirational financial brand.
**RELATED POST**
Digital Transformation
### How Digital Experience Can Fit Your Brand
[](/how-digital-experience-can-fit-your-brand/)
Customer Experience
### Reimagining CX in the Post Covid Era to Build a New Tomorrow
[](/reimagining-cx-in-the-post-covid-era-to-build-a-new-tomorrow/)
Customer Experience
### Leveraging a strong UXD process to gain your client’s trust
[](/leveraging-a-strong-uxd-process-to-gain-your-clients-trust/)
**Categories:** #ClientExperience, #ClientRelationship, #CustomerJourney, #DigitalEngagement, #Onboarding, Customer Experience
---
### [Digital transformation - A critical enabler to achieve business objectives](https://objectway.com/digital-transformation-a-critical-enabler-to-achieve-business-objectives/)
**Published:** July 21, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Wealth managers firmly believe that digital transformation is critical in enabling them to achieve their high priority business objectives.
**Content:**
[  ](/digital-transformation/)
###### JUL 22, 2021
# Digital Transformation –
A Critical Enabler to Achieve Business Objectives
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
Client Development Director
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#DigitalChange](/digitalchange/)[\#Digitalisation](/digitalisation/)[\#DigitalEngagement](/digital-engagement/)[\#ClientExperience](/clientexperience/)
Discussed in an exclusive C-level roundtable recently hosted by Objectway and Compeer, UK wealth management firms highlighted their priorities for the digital agenda in the next normal.
Wealth managers firmly believe that digital transformation is critical in enabling them to achieve their high priority business objectives, namely achieving growth at scale. They also recognise that their current technology state is inefficient and cannot facilitate their objectives. This is supported by the most recent industry benchmarking data, which shows that a startling 7 in 10 firms were not able to exhibit year on year scale.
How will firms change over the next 12 months?
Firms have an ambitious roadmap for change in order to meet their objectives.
One of the first priorities is updating or changing legacy systems seen as a key inhibitor to operational efficiency. The main challenges and fears around doing this include gaining buy in from the board to fund a significant expense, and also demonstrating a compelling business case with clear measurable milestones.
Another main challenge identified was how to choose the best solution and more importantly the right partner in their digital transformation journey. Firms that have chosen a new system or are in advanced stages of replacing the existing ones, spoke about the importance of a trusted partnership approach, and forming a long-lasting relationship with their chosen partners. They also stressed keeping up the momentum within the business during change, by demonstrating ‘wins’ and evidencing ‘what’s in it for you’ to their staff to ensure a greater chance of successful implementation and take up.
Apart from the technological renewal, other immediate projects include ‘enhanced digitalisation’ particularly adding value across the front office to take advantage of more automation and spend less time on administrative tasks (which often take up 50% of time), and therefore spend more time on client-facing activities.
Improved digital tools and portfolio management functionality will also assist the investment management process to match client preferences with personalised portfolios that can be rebalanced in real time. According to senior leaders, “Clients are becoming far more demanding of a good digital offering, especially as a result of the last 12 months” and “digital change is required to attract new clients as well as develop existing ones” (such as increasing their share of wallet).
Hyper-personalisation: the nirvana for client experience?
The vast majority of intended projects are centred around enhancing a hyper-personalised client experience and include improving client suitability as firms try to create a more personalised client journey, better client communications through investor portals, and more efficient onboarding. Many of these touchpoints have been identified as providing ‘wow moments’ for clients, leaving a lasting positive impression of the firm.
The importance of utilising data to create customised experiences is summarised well by one of the COOs: *“The role of data is massive, if you haven’t got the data right it can lead to a horrible and impersonalised experience”.* However, there is still a lot of room for improvement in this area, as only 25% of firms were able to use data analytics in a meaningful way to personalise client experiences.
One of the consequences of digital change would ideally be a vast improvement in the state and standardisation of data. It seems the next 12 months will see significant work done on improving hyper-personalisation, although Nirvana may still be far away….
**RELATED POST**
Digital Transformation
### What does the Digital Agenda look like for the Next Normal?
[](/owintalk/what-does-the-digital-agenda-look-like-for-the-next-normal/)
Digital Transformation
### Digitising Wealth Management in the Post-Pandemic Future
[](/owintalk/digitising-wealth-management-in-the-post-pandemic-future/)
Digital Transformation
### Why Wealth Management Firms Must Improve Digitally in the Next Normal
[](/owintalk/why-wealth-management-firms-must-improve-digitally-in-the-next-normal/)
**Categories:** #ClientExperience, #DigitalChange, #DigitalEngagement, #Digitalisation, Digital Transformation
---
### [Open Finance: A New Era of Collaboration is Coming](https://objectway.com/open-finance-a-new-era-of-collaboration-is-coming/)
**Published:** July 20, 2021
**Author:** Silvia Boccuzzi
**Content:**
[  ](/market-trends)
###### JUL 27, 2021
# Open Finance: A New Era of Collaboration is Coming
[Michele Tanzi](https://www.linkedin.com/in/michele-tanzi-39b18410/)
Market Solution Director
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#OpenApi](/owintalk/open-api)[\#OpenFinance](/owintalk/open-finance)
When we talk about Open Finance, we are talking about something that is much bigger than just software implementation. An “Open” approach doesn’t just mean a different way to build a platform, more it represents a completely different way of thinking. It means embracing better ideas from open minded people and the collaboration of smart companies, so smart ideas are not monopolised and are shared
Open Finance is innovation that is at the core of many expanding companies and forms part of their strategic planning. Smart companies plan their innovation according to an “open approach”, with the most modern and recent platforms excelling thanks to the collaboration of different actors (including customers!) and sharing the journey with universities, other fintech, consultancy firms, etc.
We really think there is no other way to proceed today.
A regulatory framework is necessary
Open Finance is not an easy journey and will not happen as a “big bang”, it will evolve. Open Finance is a revolution, but it will take time to establish and there are still lots of issues that need to be addressed; data ethics is one of the most important.
Phrases such as “informed consumer consent” are very common, but to allow to fully adopt the Open Finance concept the setting of a regulatory framework is fundamental. In this way, all the implications of data sharing should be carefully understood and properly managed to avoid disadvantaging weaker groups of the population.
The 4C principles
With a focus on the opportunities and threats, we would suggest starting with the creation of a new and innovative Open Platform following, what we call, the 4C principles:
1. Communication: new platforms must be natively API based, designed to easily communicate with heterogenous ecosystems
2. Cloud: new platforms must be available on Cloud with the objective to minimise efforts and dramatically reduce time-to-market
3. Collaboration: platform design, roadmap and other aspects must be carefully analysed by the company and market experts in strict collaboration with external teams too (business savvy people, university professors and so on)
4. Customer: since the beginning you should be obsessed by customer benefits and an incremental approach to comply with regulatory constraints (and their evolution)
We know it will be a long journey; we will be back soon to talk much more about this soon and share our ideas.
**RELATED POST**
Market Trends
### Open Finance: The Evolution Of Finance Into An Open Ecosystem
[](/open-finance-the-evolution-of-finance-into-an-open-ecosystem/)
Technology
### Leveraging Open APIs to build your digital ecosystem
[](/leveraging-open-apis-to-build-your-digital-ecosystem/)
**Categories:** #Api, #OpenFinance, Market Trends
---
### [What does the digital agenda look like for the next normal?](https://objectway.com/what-does-the-digital-agenda-look-like-for-the-next-normal/)
**Published:** July 9, 2021
**Author:** Silvia Boccuzzi
**Content:**
[  ](/digital-transformation/)
###### JUL 12, 2021
# What does the Digital Agenda look like for the Next Normal?
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
Client Development Director
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#DigitalChange](/digitalchange/)[\#Digitalisation](/digitalisation/)[\#DigitalEngagement](/digital-engagement/)[\#Onboarding](/owintalk/onboarding/)
There has been a 7 to 10 fold increase in digital engagement in wealth management business during the pandemic and this is set to continue into the next normal. Clients are demanding more from digital interactions and 75% are more likely to engage more with their wealth managers as technology improves. Almost 8 out of 10 firms are currently making changes to their digital agenda for the next normal. Their main drivers are to improve operational efficiency by providing services in a more cost efficient and scalable way, and to attract and retain clients by using digital as a differentiator and increasing client engagement along the entire client lifecycle.
More efficiency for operations
Although the average pre-tax profit margin for the sector is a respectable 23%, there are huge variations and 1 in 3 firms make less than 10% and/or are loss making. A major contributing factor is the significant variation in operational efficiency. Indeed a lack of efficiency and the ability to scale are major obstacles for wealth managers. The vast majority of firms are not scalable and rely on legacy systems that do not communicate well with each other, therefore resulting in many manual workarounds and cumbersome processes, which are error prone. For example, reporting and onboarding often require physical intervention at various stages and are time consuming. Reporting was highlighted as a key differentiator for clients and this is only expected to increase in importance due to ESG investing.
Digital to stand out from the crowd
Onboarding a client takes 4-5 weeks on average, but some firms can onboard him/her in less than 5 days. This is also seen as a very important touchpoint by new clients and will impact their perception of the firm and their likelihood of making referrals.
Wealth Managers are at various stages of enacting their digital agenda, but they generally agree on their most important immediate priorities, such as enhancing digitalisation to support the [front office](/what-we-provide/) and client lifecycle management, as well as updating or changing their legacy systems. This is closely followed by automating areas around regulation and providing better client communication tools.
Far from Heaven
Wealth firms also agree that meeting their desired conditions will be a real challenge. Implementing change is not easy and requires (amongst other things) a partnership approach from vendors – whereby wealth managers can leverage from the technology roadmap and implementation expertise of the vendor(s), experienced resources who are able to add value on the project board (as well as have time to manage their own ‘day jobs’). Of course, it can also be expensive especially if the projects are not well defined and well managed.
As one COO mentioned of their ideal state: “We want it to be as easy as doing your shopping on Amazon”…. Firms are still a long way off from that.
These and other concerns and opportunities will be discussed in an exclusive C-level roundtable hosted by Objectway and Compeer, to understand and shape the digital agenda for the next normal of UK wealth management firms.
In our next installment we’ll discover the findings that will have emerged.
**RELATED POST**
Digital Transformation
### Digitising Wealth Management in the Post-Pandemic Future
[](/digitising-wealth-management-in-the-post-pandemic-future/)
Digital Transformation
### Why Wealth Management Firms Must Improve Digitally in the Next Normal
[](/why-wealth-management-firms-must-improve-digitally-in-the-next-normal/)
Digital Transformation
### Digital Improvement, a Vital Component for Survival
[](/digital-improvement-a-vital-component-for-survival/)
**Categories:** #DigitalChange, #DigitalEngagement, #Digitalisation, #Onboarding, Digital Transformation
---
### [What's Next for Esg?](https://objectway.com/whats-next-for-esg/)
**Published:** July 9, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** Investors will recognise ESG as a core part of how they invest and assess value and risk, as a meaningful business driver with potential to power performance.
**Content:**
[  ](/performance-and-risk/)
###### AUG 2, 2021
# What’s Next for ESG?
[Marianna Vilardi](https://www.linkedin.com/in/marianna-vilardi-1bb057163/)
Marketing Content Creator
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Esg](/owintalk/esg)[\#Sustainability](/owintalk/sustainability)
Whether you’ve read about it or heard about it, it is no news that ESG-oriented investing and strategies have recently experienced a meteoric rise.
During the past five years, the investment decisions and priorities of managers and advisors over the wealth and investment industry have evolved significantly. Today, there is an increasingly high interest in ESG issues and the key role ESG investments play in economic recovery.
ESG: Up until now
It is almost a year since our first article on ESG was published. It mainly focused on how to effectively incorporate ESG criteria into the whole investment process to add value for clients and offer investment opportunities that are both MiFID II & ESG compliant.
At that time, organisations were moving their first steps towards the whole ESG scenario, trying to rapidly adapt to what seemed to be the latest market trend, or “a passing fad” – as many have pointed out. On present day, the magnitude of investment flows suggests that ESG is far from being temporary, and that a strong ESG proposition can effectively create value and transform your business in the long run.
First, ESG adopters will experience a top-line growth. According to a recent survey, the main motivation for firms to integrate ESG into their investment process is to respond to clients’ demand. Indeed, ESG drives customer preferences on whether to leave or choose a firm based on the quality of their ESG offering and how it is delivered to them. ESG is therefore a golden opportunity to attract more customers with a more sustainable solution and better engage with clients.
Second, a productivity uplift. A strong ESG proposition will boost motivation within the company and attract talent through greater social credibility.
Finally, companies with good ESG management are able to weather financial crises and generally to perform better in the long term than those that pay less attention to sustainability factors. They will enhance investment returns by better allocating capital for the long term and avoid investments that may not pay off because of longer-term environmental issues.
Transparency at the core
As the social element, also known as the “S” in ESG gains importance now that the pandemic highlights the need for social responsibility towards local communities, greenwashing is top of the worry list for investors. The lack of exact regulations or definitions for what makes something sustainable or not opens up to the obstacle of companies mispresenting themselves when it comes to sustainable investing. Clients, investors, customers demand transparency and the ultimate objective for firms should be to support change by both projecting and nurturing investors’ wealth.
On a larger scale, players of the wealth and asset management industry will be witnessing the rise of a new professional figure, the Chief Sustainability Officer.
Indeed, research has shown that sustainability is deeply intertwined with your business’ financial performance and it is paramount to business strategy and decision making. For this reason, debate over sustainability must start and the top of your organisation, with an individual who can manage ESG related matters, takes accountability for the implementation of ESC etc. and becomes a key spokesperson for sustainability within investor relations.
In a world where attention to environmental, social and governance issues mount at a fast pace, companies are challenged to convert global megatrends into tangible risks and opportunities for their business to manage. Looking ahead, we expect that investors will recognise ESG issues as a core part of how they invest and assess value and risk, as a meaningful business driver with a decisive potential to power performance.
**RELATED POST**
Performance & Risk
### ESG Spotlight: What are the Major Challenges Facing Senior Leaders?
[](/esg-spotlight-what-are-the-major-challenges-facing-senior-leaders/)
Performance & Risk
### ESG: A major differentiator of wealth management firms
[](/esg-a-major-differentiator-of-wealth-management-firms/)
Performance & Risk
### ESG: A Golden Opportunity to Engage with Clients
[](/esg-a-golden-opportunity-to-engage-with-clients/)
Performance & Risk
### ESG: Gaining an Edge Through Digital Change
[](/esg-gaining-an-edge-through-digital-change/)
Performance & Risk
### Utilising ESG within sustainable investment process
[](/utilising-esg-within-sustainable-investment-process/)
Performance & Risk
### ESG: alla Ricerca della Sostenibilità
[](/esg-alla-ricerca-della-sostenibilita/)
**Categories:** #Esg, #Sustainability, Performance & Risk
---
### [Towards The New Normal, Chapter Two: Recover](https://objectway.com/towards-the-new-normal-chapter-two-recover/)
**Published:** July 7, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** A recovery strategy of workplace and work-life management driven by greater adaptability, greater flexibility, greater collaboration and community.
**Content:**
[  ](/about-objectway/)
###### JUL 8, 2021
# Towards the New Normal, Chapter Two: Recover
[Tiziana Orlandini](https://www.linkedin.com/in/tiziana-orlandini-94bb1b5b/)
HR Director
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Workspace](/workspace/)[\#OneObjectway](/one-objectway/)
Glad to have you back between these lines.
After all, Rome wasn’t built in a day, so our journey towards the new normal couldn’t come to an end overnight. Bold similarity, isn’t it? But I assure you it sums up effectively.
The previous article of our series uncovered most of our urgent reaction to the immediate implications of Covid-19. We relocated the existing working methods and settle them into remote contexts; as a company powered primarily by people, we focused on spreading empathy among our teams as they experienced the shift to remote working.
Building a digital workspace
Needless to repeat, Covid-19 pandemic put organisations around the world to the very test, clearly and inevitably revolutionising the traditional concept of workplace and working hours. Yet, if it is true that work as we know it has reshaped, it is also true that the new normal opens up to a plethora of new opportunities and challenges in terms of building a collaborative organisation, where people are engaged and work in a safe, flexible environment.
Indeed, while a change in perspective is happening, this crisis requires a shift in mindset; it demands to a grow a vision based on the awareness that we must build and strengthen a digital workspace pushing the envelope beyond our company’s borders.
This attitude led us to invest – rather that adapt – in a recovery strategy of workplace and work-life management driven by greater adaptability, greater flexibility, greater collaboration and community. These are the essentials of our journey.
Over the past year, more than 90% of our people have worked remotely; today, about 15% of people are alternating between working in the office and working remotely. Whether from home or at their desks they are all working in a more digital environment on a daily basis, experiencing what it means to be part of a hybrid, remote team.
Online collaboration spotlight
To deal with the crisis digital came to the rescue since the very beginning. The use of business communication platforms has accelerated quickly in the course of 2020, being the main tool to provide people with to remain connected while staying safe. However, what was meant to be a short-term measure, actually brought multiple and significant benefits, simplified internal and external communication and will be playing a crucial role as we navigate towards the new normal.
Going forward, these platforms will be further implemented to offer secure, stable and high-quality services for virtual cooperation, meetings and events and to support social interactions between people. On the other hand, it will be vital to train people to develop the necessary skills to work effectively in a hybrid model.
In the post pandemic world, corporate success can’t prescind from hybrid business models, powered by highly digitalised processes where physical and virtual spaces are no longer perceived as polar opposites, but rather as two halves of the same experience.
At this stage of our journey towards the new normal, we reorganise our physical and virtual workspaces, we rethink our offices to favour the benefits of the new collaborative methods, we reskill to create one, integral, seamless space for the days to come.
**RELATED POST**
About Objectway
### Towards the New Normal, Chapter One: React
[](/towards-the-new-normal-chapter-one-react/)
About Objectway
### Towards the New Normal, Chapter Three: Restore
[](/owintalk/towards-the-new-normal-chapter-three-restore/)
Objectway
### The Commitment of All of Us, The Challenges We Face Together
[](https://www.objectway.com/how-we-cope-with-covid/)
**Categories:** #OneObjectway, #Workspace, About Objectway
---
### [How has WealthTech Become Mainstream? A Chat with the Fintech Times](https://objectway.com/how-has-wealthtech-become-mainstream-a-chat-with-the-fintech-times/)
**Published:** July 6, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** As part of the series “The Fintech Times presents”, Objectway was invited as industry expert to discuss the latest in AI, Smart Banking and Wealthtech.
**Content:**
[  ](/augmented-intelligence/)
###### JUL 7, 2021
# How has WealthTech Become Mainstream?
A Chat with the Fintech Times
[David Wilson](https://www.linkedin.com/in/david-wilson-13ba3811/)
Senior Business Development Manager
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Advisory](/owintalk/Advisory)[\#CustomerExperience](/owintalk/Customer-Experience)[\#HyperPersonalisation](/owintalk/Hyper-Personalisation)
As part of the series “The Fintech Times presents”, Objectway was invited as industry expert to discuss, together with Allison Cerra from Alkami, the latest in AI, Smart Banking and Wealthtech by The Fintech Times. Many themes were discussed, ranging from smart banking tools to the latest innovation in Wealthtech, generating a buoyant conversation and confrontation, bringing the parts to exchanging their point of view and providing relevant food for thought.
What has moved the conversation was the discussion on Wealthtech and the most recent innovations. It is possible to identify two main innovations: on one hand digital onboarding and on the other the use of mobile smartphone.
Digital onboarding gave the possibility to engage the prospective client in digital onboarding process, encouraging them to send documents such as passport copies, POA, and more, and the firm can send documents for digital signing.
On the other hand, the use of mobile smartphone has driven delivery of clients’ investment information. Wealthtech has make it easier to access your investment portfolio on your phone that means paper reports delivered once or quarterly per year are phasing out. The whole interaction with your wealth advisor is streamlined and you reduce face to face to the minimum. This can benefit advisor firm by increasing agility and ability to manage more clients.
Wealthtech in the Post-Pandemic: what have we learnt
The discussion then shifted on how Wealthtech has become mainstream. Virtual meeting and collaboration benefited from the pandemic, while previously the client-advisor annual meeting had to happen face to face, now we have had the ability to do virtual meetings via Zoom or Teams but for years everyone resisted especially the advisors. This has meant greater efficiency and the ability to get these burdensome meetings over and done with quicker so that an advisor can spend more time on face-to-face revenue generating activities.
In conclusion, the focus shifted to a subject that is attracting the market’s attention day after day, AI. By analysing how can AI help drive Wealththech forward, three main point arose.
Digital assistants can now recognise changing customers’ needs, by analysing actions, preferences, and the overall background of the customer, or prepare advisors for their daily activities for the week ahead. So that when advisors come into work in the morning, they are presented with their week ahead – meetings are prepared with supporting documentation, suggestions on changes to clients’ portfolios and more.
Then, behavioural and customer understanding, with the help of machine learning. So that when investors decline a proposal that information is fed back into the data and when the next proposal is sent out it takes that previous choice into account, improving the service provided and maximising the overall satisfaction of the client.
And in conclusion, investment recommendations on the fly and faster. As the markets evolve throughout the day or week, the changes are applied across the investor base to see which clients might be affected for can take advantage of a trend – AI can do this faster than an individual advisor can research their individual clients.
If you want to know more and have a full look at the event, [watch the video](https://www.youtube.com/watch?v=8pEeZwIJQpA&feature=emb_title&ab_channel=TheFintechTimes)
**RELATED POST**
Augmented Intelligence
### Digital Wealth Management: Artificial Intelligence to Accelerate Value Creation
[](/owintalk/digital-wealth-management-artificial-intelligence-to-accelerate-value-creation/)
Augmented Intelligence
### Turn the must-do into opportunity with Hyper-Personalisation
[](/owintalk/turn-the-must-do-into-opportunity-with-hyper-personalisation/)
Augmented Intelligence
### Hyper-Personalisation: A Journey Deep into Customers’ Mind
[](/owintalk/hyper-personalisation-a-journey-deep-into-customers-mind/)
**Categories:** Artificial Intelligence
---
### [Digitising Wealth Management in the Post-Pandemic Future](https://objectway.com/digitising-wealth-management-in-the-post-pandemic-future/)
**Published:** July 1, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** In Europe we are finally turning the page to a new post-pandemic chapter, the Wealth Management Industry has a reason for cautious optimism.
**Content:**
[  ](/digital-transformation/)
###### JUL 5, 2021
# Digitising Wealth Management in the Post-Pandemic Future
[Alberto Cuccu](https://www.linkedin.com/in/alberto-cuccu-21a401/)
CEO International, Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Customerjourney](/customerjourney/)[\#Digitaladvisory](/owintalk/digital-advisory/)[\#HyperPersonalisation](/owintalk/hyper-personalisation/)
In Europe we are finally turning the page to a new post-pandemic chapter, the Wealth Management Industry has a reason for cautious optimism.
Gartner reports say that 2020 stands as the most difficult year ever faced for forecasting IT spending, that has changed several times to keep the pace and scale of government, social and economic interventions.
In 2020, for the first time in decades, IT spending has contracted by 2.5%: major drops have happened in mobile devices, internal services, storage, printers, but also vertical software like Wealth Management platforms. Only cloud infrastructure and services have grown in 2020.
But if we look into the future, IT spending will rebound by 4.5% in 2021 and remain above 4% for the rest of the forecast period, through 2024. The growth will be close to two digits in vertical software, analytics and business intelligence. Cloud infrastructure and services will continue to grow.
Celent Oliver Wyman recent research highlights the most likely scenario for Wealth Management IT business is the so called resilient rebound, with a stable growth of 4.3% per annum over the next 4 years to come and boost of 4.5% in 2021.
Cloud based solutions and cybersecurity will dominate the infrastructure evolution, while from a business point of view, focus will be mainly on front-office and specifically on frictionless advisory, client journeys enablers like digital onboarding, hybrid and intelligent AI assisted advice.
In the next future, despite much uncertainty remains, it will be an imperative to invest in technology or you run the risk of being eclipsed by competitors. Firms will be devoting greater resources toward enhancing advisor efficiency and the client journey, considering the front-office a competitive differentiator.
We talked a lot about this and much more, at the SITC FinTech Conference and Awards on 29th June, adding that streamlining a digital onboarding that automatise AML/KYC, account opening, document acquisition and signing is now a business imperative: a recent research says that 68% of clients expect it post Covid.
Also introducing biometrical authentication tools to create more secure experience is a strong digital trend, along with opti-channels which allow clients to use the collaboration channel most suited to the task they are doing.
Finally, leveraging the vast amount of data that all firms have but don’t use, is considered strategic to build behavioural insights to really hyper-personalise your service offering, increasing your brand, your pedigree, a sense of real professionalism and trust with your clients to level never seen before.
**RELATED POST**
Digital Transformation
### Becoming a leading digitally enabled Wealth Manager
[](/becoming-a-leading-digitally-enabled-wealth-manager/)
Digital Transformation
### Better Investor Risk Profiling gets Everyone Invested, All the Time
[](/better-investor-risk-profiling-gets-everyone-invested-all-the-time/)
Digital Transformation
### Digitising Wealth Management for Tangible Customer and Shareholder Value
[](/digitising-wealth-management-for-tangible-customer-and-shareholder-value/)
**Categories:** Digital Transformation
---
### [ESG spotlight: what are the major challenges facing senior leaders?](https://objectway.com/esg-spotlight-what-are-the-major-challenges-facing-senior-leaders/)
**Published:** July 1, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** The ESG forum highlighted that firms are at various stages of readiness ranging from beginning to form a strategy to implementing changes.
**Content:**
[  ](/performance-and-risk/)
###### JUL 1, 2021
# ESG Spotlight: What are the Major Challenges Facing Senior Leaders?
[Tariq Khan](https://www.linkedin.com/in/tariqkhan5/)
Client Development Director
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Esg]()[\#Sustanability](/owintalk/sustainability/)
The inaugural meeting of The Senior Leaders ESG Forum was hosted by Objectway and Compeer and brought together a group of leading Wealth Management firms to discuss the opportunities and challenges associated with ESG investing. Participating firms were a broad and diverse representation of the Wealth Management Industry.
Although ESG was a high priority for all the firms, the forum highlighted that firms are at various stages of readiness ranging from beginning to form a strategy to implementing changes.
One of the key challenges identified was integrating ESG into the investment management framework and then monitoring this. For example, capturing ESG preferences for clients and then managing the risks effectively, such as rebalancing portfolios. Some of the firms had adopted manual workarounds but ideally were looking for a digital solution to integrate with their current set up.
The other main challenge was the need for common standards which are still not clear despite recent changes in MiFID II and SFDR. Also, the fact that there is a lack of standardisation in ESG related data, for example data providers use different scoring methodologies, means measuring ESG is a challenge and impacts effective reporting. This has also added to the trepidation around potential greenwashing.
Firms acknowledged that whilst client demand was important in bringing attention to ESG (6/10 clients would prefer a firm with an ESG offering) the regulation around it would ultimately drive their offering. To this end, firms were expecting to have to make changes in an agile fashion as the guidance and/or market consensus became clearer.
The Senior Leaders ESG Forum will continue to serve as a platform for Wealth Management firms to exchange ideas, shape thought leadership and help define industry best practise. Compeer and Objectway will host quarterly meetings with a research led focus covering ESG and other emerging relevant topics in further detail.
**RELATED POST**
Performance & Risk
### ESG: A major differentiator of wealth management firms
[](/owintalk/esg-a-major-differentiator-of-wealth-management-firms/)
Performance & Risk
### ESG: A Golden Opportunity to Engage with Clients
[](/owintalk/esg-a-golden-opportunity-to-engage-with-clients/)
Performance & Risk
### ESG: Gaining an Edge Through Digital Change
[](/owintalk/esg-gaining-an-edge-through-digital-change/)
**Categories:** #Esg, #Sustainability, Performance & Risk
---
### [BECOMING A LEADING DIGITALLY ENABLED WEALTH MANAGER](https://objectway.com/becoming-a-leading-digitally-enabled-wealth-manager/)
**Published:** June 24, 2021
**Author:** Silvia Boccuzzi
**Excerpt:** How to help prominent Wealth Managers engage with their clients, paying particular attention to hyper personalisation.
**Content:**
[  ](/digital-transformation/)
###### JUN 18, 2021
# Becoming a leading digitally enabled Wealth Manager
Jos Martens
Client Development Director
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
\#BehaviouralFinance[\#Digitalisation](/owintalk/digitalisation/)[\#HyperPersonalisation](/owintalk/hyper-personalisation/)
After more than a year of virtual events, approximately 35 experts from the financial services industry met in Vienna during the WM Summit, to discuss topics ranging from Big Data, Artificial Intelligence, Data Analytics, Machine learning, Digitalisation, to tax reclaims, ESG and Taxonomy.
Our presentation focused on how to help prominent Wealth Managers engage with their clients, paying particular attention to hyper personalisation and how it is making its entry into wealth management via behavioural finance – used to both implement client profiling and deliver hyper personalised advisory.
The art of digitalisation
Where a few years ago the giving greater returns to clients was a key element to win clients, in today’s digital era, the relationship between the client and the advisor has undergone a massive evolution – from pure face to face to opti-channel. This allows the client to choose the channel best fit for his communication with his advisor, pure online for basic processes such as onboarding or investment portfolio reviews; SMS/Chat for simple instructions; video meetings for more formal processes; or face to face meeting to discuss complex, personal and family related topics.
In order to effectively and efficiently shift to digital, your technology must be supported by Open API’s. An integrated, scalable, cloud-ready digital platform supported by Open API’s will guarantee seamless integration, concentrate on business model configuration, and build your The Present Is Holistic](https://objectway.com/financial-advisory-the-present-is-holistic/)
**Published:** September 17, 2020
**Author:** Silvia Boccuzzi
**Content:**
[  ](/advisory/)
###### SEPTEMBER 17, 2020
# Financial Advisory: The Present is Holistic
Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#ClientRelationship](/owintalk/client-relationship)
Strict regulations, contracted margins and digitalisation lead to a considerable shift in the world of investment advisory.
Customer preferences are increasingly expanding, and the current evolution of advice must take it into deep consideration, in terms of providing services that up until recently were thought to be unnecessary.
In the fast few years financial advisors have been focusing their efforts on investment advice only – let’s take for example portfolio allocation – and did their best to provide clients with superior investment returns delivered for them. On present day, it appears not to be enough anymore. Over time, wealth management firms have gained equal access to the same products, tools and models to the point that there’s no sight of any differentiating element that could make them stand out. More and more customers are demanding services having a direct impact on their very personal objectives, meaning those services that are strictly linked to healthcare, life events, lifestyle enhancement, leisure etc., just to name a few, and not just insurance. As a consequence, they need advice on how to capitalise on these goals in the long-term.
In light of the above scenario, today there is a new phenomenon increasingly making its way, that we refer to as Holistic Advisory and consider as the key tool bringing added value to both clients and banks. Yet, if we all know what a traditional advisory model is, what exactly is a holistic advisory approach?
A holistic advisory model is a comprehensive, integrated, goal-based approach that works on clients’ objectives, considering assets, expenses and liabilities, time horizons and income requirements in order to tailor a strategy purposely designed to reach clients’ goals.
Betting on this model already guarantees banks a stronger and long-lasting client relationship, in increases customer loyalty, ensures higher market penetration, new money growth and leads to the acquisition of new clients.
On the other hand, clients benefit from customised solutions that meet their individual circumstances and an appropriate financial plan that reaches their life goals (both personal and business); also, they take the advantage of long-term returns, reduced investment risk and management of wealth transfer.
Nonetheless, holistic advisory is wrong to be thought as a brand new approach. First implemented in the US, Asia and in the UK, it is currently expanding its horizon in the western country.
What is for sure is that in an increasingly complex environment, those who adopt a holistic approach to advisory, financial planning and financial services, believe a comprehensive experience to be the way for clients to receive the greatest value from financial planning process.
**Categories:** #ClientRelationship, Advisory
---
### [CREATING AUTHENTIC VALUE WITH HUMAN DIGITAL WEALTH MANAGEMENT](https://objectway.com/creating-authentic-value-with-human-digital-wealth-management/)
**Published:** July 20, 2020
**Author:** Silvia Boccuzzi
**Excerpt:** The digitisation and automation of Wealth Management services allow you to reduce costs and increase efficiency. However, to create authentic value in Digital Wealth Management, the difference must be made through the human factor.
**Content:**
[  ](/owintalk/digital-transformation/)
###### JULY 20, 2020
# Creating Authentic Value With Human Digital Wealth Management
By Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#DigitalChange](/owintalk/digitalchange/)[\#ClientExperience](/owintalk/clientexperience/)[\#Digitalisation](/owintalk/digitalisation/)[\#Automation](/owintalk/automation/)[\#ArtificialIntelligence](/owintalk/artificial-intelligence/)
The digitisation and automation of Wealth Management services allow you to reduce costs and increase efficiency; similarly, the use of artificial intelligence tools such as Machine Learning allows you to serve more customers in a more personalised way, in full compliance with regulations.
However, something is still missing: the creation of the real value, that distinguishes those who ride the wave of innovation and evolve from those who embrace automation whilst, compromising customer service.
THE PARTICULAR VARIANT OF UNPREDICTABILITY
A Digital Wealth Management service completely managed by machines represents a marginal phenomenon. Robo-advisors, with the aim to disintermediate consultancy, offer excellent user experience, great automation, very low costs. However, they remain a niche, certainly interesting to cover, but that doesn’t make the difference.
Unlike other markets, Wealth Management is unpredictable: when we buy a financial product, unlike any other consumer goods, we don’t know its long-term performance and quality.
THE HUMAN FACTOR THAT MAKES THE DIFFERENCE IN DIGITALISATION
This is why an Amazon of Wealth Management cannot exist, supported essentially by algorithms, continuously optimised, with the aim to offer always the best price. There is no guarantee this will continue to offer better value over time.
To create authentic value in Digital Wealth Management, excluding digitalisation (imperative) and artificial intelligence (inevitable), the difference must be made through the human factor.
The technology that will win today and tomorrow is the one that empowers the advisor with the right tools to manage the relationship with the customer, capable of overcoming the uncertainties and unpredictability of the market.
Not limited to algorithmic indications but also experience and professionalism. Those who create a relationship of trust, who distinguish one institution from all the others. The interaction between people that continues to create authentic value.
**RELATED POST**
Digital Transformation
### Smart Technology Drives Smart Transformation
[](/owintalk/smart-technology-drives-smart-transformation/)
Digital Transformation
### Digital Wealth Management: Automation and Cost Reduction to Create Value
[](/owintalk/digital-wealth-management-automation-and-cost-reduction-to-create-value/)
**Categories:** #ArtificialIntelligence, #Automation, #ClientExperience, #DigitalChange, #Digitalisation, Digital Transformation
---
### [DIGITAL WEALTH MANAGEMENT: ARTIFICIAL INTELLIGENCE TO ACCELERATE VALUE CREATION](https://objectway.com/digital-wealth-management-artificial-intelligence-to-accelerate-value-creation/)
**Published:** July 13, 2020
**Author:** Silvia Boccuzzi
**Excerpt:** Digitalisation can bring a first level of benefits in Wealth & Investment Management. The second level of advantages is connected to the introduction of artificial intelligence according to the contribution of the human element.
**Content:**
[  ](/owintalk/augmented-intelligence/)
###### JULY 13, 2020
# Digital Wealth Management: Artificial Intelligence to Accelerate Value Creation
[Georgios Lekkas](https://www.linkedin.com/in/glekkas/)
Innovation Director
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#ArtificialIntelligence](/owintalk/Artificial-Intelligence)[\#Digitalisation](/owintalk/Digitalisation)[\#DigitalChange](/owintalk/digitalchange)[\#Automation](/owintalk/automation)[\#FrontOffice](/owintalk/front-office)[\#BackOffice](/owintalk/back-office)
We talked about how digitalisation can bring a first level of benefits in Wealth & Investment Management: cost reduction, customisation and automation.
The second level of advantages is connected to the introduction of artificial intelligence according to the contribution of the human element, as shown in the figure below.
**Areas of applicaton of AI in Wealth Management**
Source: *LGT Vestra*, 2018
Let’s see how artificial intelligence can make the difference in each area, maintaining the distinction between Front Office, Middle Office and Back Office presented in the previous article.
Artificial intelligence at work in Wealth Management
Some activities that artificial intelligence can support in the Front Office are the following:
- Customer profiling: technologies such as Natural Language Processing accelerate and facilitate the collection of information normally acquired by communicating with the customer. They are able, for example, to transcribe a speech and search for key concepts in it.
- Consulting: knowledge-based models help to profile risk, support the advisor, take into account all the customer’s needs, especially those that classical interaction does not identify, but that AI can obtain and connect among the collected information.
- Reporting: often considered inadequate or too complex, it carries the risk of being an excessively standardised and mass-produced communication, regardless of each customer’s preferences. If the client is profiled with artificial intelligence tools, he can receive personalised and specific information related to his interests and objectives.
- Planning: financial advisors need to optimise their time according to customer interactions. Artificial intelligence can support them by collecting reports, information and documents useful for each customer.
In the Middle Office, investment analysis and decision-making processes could benefit from the use of artificial intelligence in various ways:
- Risk management: AI makes it possible to use algorithms to build predictive scenarios to support the investment process.
- Investments selection: Machine Learning algorithms can support the creation of highly customised portfolios considering market variables and the specificity of investment instruments, even if applied to large groups of clients (Mass Customisation).
The Back Office could apply artificial intelligence to the execution and supervision of investment processes in the following way:
- Operations: taking into account the general objective of maximum automation and minimum human intervention, Machine Learning can analyse flows and volumes performing predictive analyses in real-time, in order to maintain optimal performance and anticipate any problems.
- Compliance: Machine Learning can help to automatically identify the most likely problems that may occur, increasing staff productivity and providing actions and feedback that become part of machine’s knowledge.
We must remember that artificial intelligence is not the answer to everything, nor the exclusion of the human factor in Wealth Management activities. There are constraints and precautions that distinguish successful management from one that is struggling to follow market developments and we will talk about it soon.
**RELATED POST**
Objectway
### Digital Investment Advisory
[](/digital-investment-advisory/)
Objectway
### Securities Back Office
[](/securities-back-office/)
Objectway
### Performance Risk & Compliance
[](/performance-risk-and-compliance/)
**Categories:** #ArtificialIntelligence, #Automation, #BackOffice, #DigitalChange, #Digitalisation, #FrontOffice, Artificial Intelligence
---
### [DIGITAL WEALTH MANAGEMENT: AUTOMATION AND COST REDUCTION TO CREATE VALUE](https://objectway.com/digital-wealth-management-automation-and-cost-reduction-to-create-value/)
**Published:** July 6, 2020
**Author:** Silvia Boccuzzi
**Excerpt:** In a world where the speed of change is dizzying, operating as usual is no longer enough. Therefore it is necessary to continuously monitor and develop our strategic approach taking into account technological developments and market changes.
**Content:**
[  ](/owintalk/digital-transformation/)
###### JULY 6, 2020
# Digital Wealth Management: Automation and Cost Reduction to Create Value
[Georgios Lekkas](https://www.linkedin.com/in/glekkas/)
Innovation Director
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#DigitalChange](/digitalchange/)[\#Digitalisation](/digitalisation/)[\#Automation](/owintalk/automation)[\#ArtificialIntelligence](/owintalk/artificial-intelligence)
As in every other sector, digital technology is now impacting all areas of Wealth and Investment Management. The consequences are both positive and negative: on the one hand, the fragility of the system due to the explosion in trade volumes, on the other, the increasing transparency required by the authorities to offer protection to investors.
One of the implications for financial institutions is the need for greater attention to the strategy of creating value: in a world where the speed of change is dizzying, operating as usual is no longer enough. Therefore it is necessary to continuously monitor and develop our strategic approach taking into account technological developments and market changes.
AUTOMATION AND COST REDUCTION
The first detectable key driver in a Digital Wealth Management Company is cost reduction. A correct implementation of digital technologies brings greater efficiency and reduced expenses in each operating area of the institution:
- Front Office: contact with clients is automated, either through a completely unattended relationship (Robo-advisory) or through a relationship where advisors are assisted by technology (Hybrid advisory). Technology supports investment decisions, client acquisition, contract preparation (Onboarding and digital signature) and relationship management (CRM).
- Middle Office: automation supports the preparation of investment proposals and periodic reviews, taking into account limits set by suitability, constraints and client’s preferences (Mass Customisation).
- Back Office: the use of technology can be broad at this stage. Document dematerialization, Robotic Process Automation (RPA), intelligent Business Process Management (iBPM), Artificial Intelligence (AI), blockchain can contribute to automate and integrate operations, administration and accounting in Wealth and Investment Management.
BEYOND COST REDUCTION
Cutting costs is a defensive strategy, but well implemented technologies also lead to the improvement of the quality of service, reducing errors in practices’ management, speeding up processes and facilitating customer interaction with the financial institution, with a significant gain in effectiveness.
The relationship between technology and Wealth Management in order to create value has other important facets, which we will discuss shortly.
**RELATED POST**
Digital Transformation
### Creating Authentic Value With Human Digital Wealth Management
[](/owintalk/creating-authentic-value-with-human-digital-wealth-management/)
**Categories:** #ArtificialIntelligence, #Automation, #DigitalChange, #Digitalisation, Digital Transformation
---
### [Pronti al webinar Previdenza, Protezione, IDD: intervista a Alberto Cauzzi](https://objectway.com/pronti-al-webinar-previdenza-protezione-idd-intervista-a-alberto-cauzzi/)
**Published:** May 20, 2020
**Author:** Silvia Boccuzzi
**Excerpt:** Previdenza, Protezione, IDD, organizzato in collaborazione con Epheso, abbiamo intervistato il fondatore Alberto Cauzzi, sugli argomenti che verranno alla luce durante la sessione. Di seguono le sue risposte e il nostro arrivederci è per giovedì 28 Maggio, alle 15.
**Content:**
[  ](/owintalk/insurance/)
###### MAY 20, 2020
# Pronti al webinar Previdenza, Protezione, IDD: intervista a Alberto Cauzzi
By Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Insurance](/insurance-h)[\#Idd](/idd)[\#ClientCommunication](/clientcommunication/)[\#Regtech](/regtech/)
Per prepararci al meglio al [Webinar: Previdenza, Protezione, IDD](https://register.gotowebinar.com/register/621234371866420492), organizzato in collaborazione con Epheso, abbiamo intervistato il fondatore Alberto Cauzzi, sugli argomenti che verranno alla luce durante la sessione. Di seguono le sue risposte e il nostro arrivederci è per giovedì 28 Maggio, alle 15.
LA IDD STA CAMBIANDO IL MONDO ASSICURATIVO, QUAL E’ LA SFIDA PRINCIPALE CHE LE ASSICURAZIONI DEVONO FRONTEGGIARE?
La IDD introduce una serie di obblighi informativi per i distributori basati su un’analisi oggettiva dei propri bisogni. Per i clienti quindi è fondamentale sapere se l’intermediario con cui stanno trattando fornisca consulenze sulla base di un’analisi imparziale e personalizzata, non frutto di domande generiche legate ai prodotti ma più propriamente ai bisogni e alle necessità della famiglia. Un altro punto importante trattato dalla normativa è quello relativo alla classificazione della convenienza assicurativa. Onde evitare casi di vendite abusive, è opportuno che la vendita di prodotti assicurativi sia sempre accompagnata da una verifica delle richieste e delle esigenze sulla base delle informazioni fornite dal cliente. Qualsiasi prodotto assicurativo proposto al cliente dovrebbe essere sempre coerente con le sue richieste ed esigenze ed essere presentato in una forma comprensibile affinché il cliente possa prendere una decisione con cognizione di causa. Qualora venga fornita una consulenza prima della vendita di un prodotto assicurativo, oltre al dovere di specificare le richieste e le esigenze del cliente, è opportuno che questi riceva una raccomandazione personalizzata che spieghi perché un determinato prodotto soddisfa al meglio le sue richieste ed esigenze in materia di assicurazione e soprattutto perché quel bisogno è di quella determinata entità e rischio correlato, nel suo caso specifico.
Fare analisi attinente alla direttiva IDD non significa quindi trovare prodotti coerenti ma a più ampio respiro analizzare e quantificare i reali bisogni di ogni singolo individuo e della famiglia, personalizzati e differenti per ogni soggetto.
QUALE SARÀ L’EVOLUZIONE DEL RAPPORTO TRA ASSICURAZIONE E CLIENTE? QUALI SARANNO LE LINEE GUIDA DA SEGUIRE PER UN RINNOVATO RAPPORTO CON IL CLIENTE?
Noi crediamo che in un mercato altamente competitivo e con una probabile elevata automazione del processo di vendita e distribuzione dei prodotti assicurativi sia fondamentare supportare questo processo con sistemi intelligenti, che consentano di analizzare ed operare una consulenza specifica e tailor-made per ogni individuo e/o famiglia, che consentirà di rendere ancor più strategico e sodale il rapporto tra gli attori in campo. Il cliente è e sarà sempre più alla ricerca di consulenza personalizzata e chi sarà in grado di fornirla farà la differenza in un mercato, appunto, sempre più competitivo.
QUALI SONO I PUNTI DI FORZA DELLA SOLUZIONE CONGIUNTA OBJECTWAY-EPHESO E CHE TIPO DI VANTAGGI PUÒ GENERARE PER GLI ATTORI (CLIENTI ED ASSICURAZIONI) CHE OPERANO O INTERAGISCONO NEL MONDO DELLE ISTITUZIONI FINANZIARIE?
La soluzione da noi pensata risponde proprio alle necessità e direttive espresse dalla normativa analizzando i bisogni della famiglia, le scoperture e relative esposizioni al rischio, classificando i rischi per ordine di priorità. La classifica dei bisogni e la determinazione del loro ammontare porta l’analisi su un piano quantitativo e quindi più oggettivo, meno attaccabile e più coerente con le reali necessità del cliente.
**RELATED POST**
Insurance
### Il P&P: una soluzione per la normativa IDD
[](/owintalk/il-pp-una-soluzione-per-la-normativa-idd/)
Insurance
### IDD (Insurance Distribution Directive)
[](/owintalk/idd-insurance-distribution-directive/)
**Categories:** #ClientCommunication, #Idd, #Insurance, #Regtech, Regulation
---
### [IDD (Insurance Distribution Directive)](https://objectway.com/idd-insurance-distribution-directive/)
**Published:** May 4, 2020
**Author:** Silvia Boccuzzi
**Excerpt:** Con questo articolo vogliamo fare brevemente il punto sulla IDD, un argomento che è ormai entrato stabilmente nella discussione con i nostri clienti. A tal proposito, insieme al nostro partner Epheso, stiamo organizzando un webinar durante il quale mostreremo la nostra soluzione IDD compliant.
**Content:**
[  ](/owintalk/insurance/)
###### MAY 04, 2020
# IDD (Insurance Distribution Directive)
[Michele Tanzi](https://www.linkedin.com/in/michele-tanzi-39b18410/)
Market Solution Director
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Insurance](/insurance-h)[\#Idd](/idd)[\#ClientCommunication](/clientcommunication/)[\#Regtech](/regtech/)
La IDD (Insurance Distribution Directive) è entrata in vigore il 1 ottobre 2018 e contribuisce alla creazione di un nuovo framework a supporto della distribuzione dei prodotti assicurativi. L’obiettivo della IDD è mettere il cliente al centro dei processi di governance e di distribuzione dei prodotti assicurativi garantendo un innalzamento della tutela del cliente.
Le regole della IDD sono di evidente derivazione di quelle MIFID ma mantengono la necessaria specificità relativa ai prodotti normati da essa stessa, ovvero tutti quei prodotti che ricadono sotto la classificazione IBIPs (Insurance Based Investment Products) e che in Italia sono essenzialmente le polizze rivalutabili di ramo I e i prodotti di ramo III e V.
Uno degli elementi distintivi della IDD è la sua applicazione a tutti i soggetti parte della filiera della distribuzione dei prodotti assicurativi. Come detto infatti la IDD ha come suo obiettivo centrale la tutela del cliente e richiede che tale tutela inizi sin dalla fase di progettazione dei prodotti e dell’identificazione dei relativi target di clientela, richiedendo a produttori e distributori di mettere in atto le necessarie misure di controllo e governo dei prodotti.
Le novità della IDD riguardano anche altri aspetti non meno importanti di quanto detto sopra:
- Consulenza obbligatoria per i prodotti IBIP complessi
- Dichiarazione di rispondenza alle esigenze e richieste (ovvero un documento che attesti perché il prodotto selezionato è adatto al cliente)
- Informativa pre-contrattuale semplificata
- Documento su costi e rendimenti
- Incentivi ai broker
- Formazione e aggiornamento degli operatori
Siamo andati anche fin troppo lunghi rispetto alle intenzioni iniziali, ma non potevamo sintetizzare oltre un argomento ampio come la IDD.
Se volete approfondire cosa Objectway e Epheso possono fare per supportare le vostre esigenze in ambito IDD, continuate a seguirci sul nostro blog e non mancate di [iscrivervi al nostro webinar](https://attendee.gotowebinar.com/notAvailable.tmpl)! Vi aspettiamo!
**RELATED POST**
Insurance
### Pronti al webinar Previdenza, Protezione, IDD: intervista a Alberto Cauzzi
[](/owintalk/pronti-al-webinar-previdenza-protezione-idd-intervista-a-alberto-cauzzi/)
**Categories:** #ClientCommunication, #Idd, #Insurance, #Regtech, Regulation
---
### [What technology is required to support the firm of 2025?](https://objectway.com/what-technology-is-required-to-support-the-firm-of-2025/)
**Published:** April 27, 2020
**Author:** Silvia Boccuzzi
**Excerpt:** The subject of the fifth workshop held by Objectway and Compeer regarding the report “Wealth Management Firm of 2025”. As we move into a digital era it is expected by most that we shall see a continued rise in the expenditure on technology in wealth management.
**Content:**
[  ](/owintalk/market-trends/)
###### JANUARY 15, 2021
# What Technology is Required to Support the Firm of 2025?
[Barbara Gentile](https://www.linkedin.com/in/barbara-gentile-3722782/)
Product Marketing Leader
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#DigitalChange](/owintalk/digitalchange/)[\#FrontOffice](/owintalk/front-office/)[\#Cloud](/owintalk/cloud-2/)[\#ArtificialIntelligence](/owintalk/artificial-intelligence/)
This was the subject of the fifth workshop held by Objectway and Compeer regarding the report “Wealth Management Firm of 2025”.
As we move into a digital era it is expected by most that we shall see a continued rise in the expenditure on technology in wealth management.
When discussing their current infrastructures, some firms suggested that they have a hybrid model, or “best of both” approach with a mixture of onsite servers and using an external cloud. This is often the chosen approach as it is the most cost-effective set-up. It is also common to use an external data center.
BRINGING TECHNOLOGY IN TO THE FRONT OFFICE
Technology will become a front office function with tech-specialists accessible to clients in order to answer queries relating to the latest digital tools being made available to clients.
Security is absolutely key, especially where in some cases firms are laptop only businesses and so work can be carried out from any location.
USE TO CLOUD
In terms of hosting, the firms are very open to using the Public Cloud, provided they have the capability to make it 100% secure and all data is encrypted.
However, data harvesting and Big Data are very low on the agenda of firms, as firms struggle to see the payback from investing in these services.
EMPLOYING ARTIFICIAL INTELLIGENCE
If the software is developed and is shown to work, Artificial Intelligence has a place in wealth management. However, it will be used as a support function (possibly through using machine learning to improve back office processes or by assisting the front office with investment selections) and should not be thought of as a replacement for humans within the business.
Great value is placed on the Investment and Relationship Managers and if you try and replace them with machines you run the risk of negatively impacting client service and potential client outflows if they were to follow the individual in which they are developed a strong relationship with.
AI could also help in the back office by, for example, proactively correcting errors in pricing.
[Read the full report](https://www.objectway.com/) and discover all the actions suggested by Objectway and Compeer.
**RELATED POST**
Market Trends
### The Wealth Management Firm of 2025
[](/owintalk/the-wealth-management-firm-of-2025/)
Market Trends
### Challenges and Chances for Wealth Managers to Thrive in 2021
[](/owintalk/challenges-and-chances-for-wealth-managers-to-thrive-in-2021/)
Objectway
### Insight
[](https://www.objectway.com/insights/)
**Categories:** #ArtificialIntelligence, #Cloud, #DigitalChange, #FrontOffice, Market Trends
---
### [Objectway dealing with the Covid-19 Crisis](https://objectway.com/objectway-offers-licence-free-period-for-wealthtech-suite-in-covid-19-crisis/)
**Published:** April 14, 2020
**Author:** Silvia Boccuzzi
**Excerpt:** We understand it’s time for us to help our customers to start or complete their digital transformation now!
We are now offering that any new subscription to our digital offering committed to in 2020, will attract a licence-free period to help our customers mobilise their investment, address the digital gap and deliver best service to their own customers during this challenging period.
**Content:**
[  ](/owintalk/about-objectway/)
###### APRIL 14, 2020
# Objectway dealing with the Covid-19 Crisis
By Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#DigitalChange](/owintalk/digitalchange/)[\#DigitalCollaboration](/owintalk/digital-collaboration/)[\#ClientExperience](/owintalk/clientexperience/)[\#Workspace ](/owintalk/workspace/)
Objectway is a leading software provider of wealth management digital solutions with customers distributed across four continents.
Being headquartered in Italy, we were early to deal with the COVID-19 emergency in the EMEA region. Indeed, the rapid escalation of COVID-19 outbreak has forced us to test our business continuity plans, first in Italy and soon after that in our UK and Belgium operations.
Fortunately, we are a natively digital company with an existing remote working policy; we use agile development and dev-ops methodologies, with teams spread across Europe. Therefore, soon after the initial shock of necessarily implementing our contingency plan, we were back and ready to deliver as usual to our customers. Done that, it was time to immediately start thinking about how this emergency would affect our customers’ business and how we could help them cope with such a disruption.
Wealth Management and Private Banking have historically emerged as highly personalised professional services with customers demanding special attention and highly skilled relationship managers for frequent and intensive face-to-face interactions. Satisfied with their level of customer centricity, many firms in the sector had overlooked the importance of critical changes happening in the market, such as digital transformation, where financial services have clearly fallen somewhere behind the progress made in other sectors.
Recent research by the Scorpio Partnership has shown that 47% of HNW investors, if they were CEO for a day, would prioritise innovation in digital services to improve their client experience, with digital engagement currently happening mainly through static website content (44%) and e-mails (40%) with only 21% via Client Portals and a meagre 8% happening through Mobile Apps (WealthBriefing research published 2020). There is a clear digital gap in the Private Wealth sector.
Now Covid-19 measures have first restricted and then completely locked-down any face-to-face meetings between advisors and investors, and there are no clear plans and dates as to when it can safely happen again. As a consequence of the digital gap, many investors are panicked; stuck at home without direct access to their portfolio information, apart from a phone call from their advisors.
This emergency is unfortunately exposing the delay in digital transformation accumulated today in the wealth management industry, and investors who do not feel properly served in these emergency times, will soon start looking elsewhere.
At Objectway, we have always believed in the need of ensuring the ability for Advisors and Clients to interact and collaborate digitally, and our existing customers who have implemented our Objectway WealthTech suite, are able to leverage its digital core functionalities to deliver a timely, personalised high-touch service even in such difficult times:
- Remote advisor-client digital collaboration with secure chats, remote video face-to -face meetings, secure screen sharing in full privacy where the advisor can not only talk with clients but also walk them through their updated investments showing graphs, trends, or assist them in learning how to use the self-service channels.
- Real time multi-device access to investments, market research papers and news for investors through portals and mobile apps.
- Proactive alerts and notifications generated by our integrated CRM module will alert the Advisor that a certain client’s portfolio needs attention and the client should immediately be contacted, or notify client via their apps that, for instance, a new paper on how to make your investments survive in the COVID-19 emergency has just been published in their document inbox.
We are also aware that this emergency will strain the available budgets of all companies in our market. So, we understand it’s time for us to help our customers to start or complete their digital transformation now!
Aware of the need for quick go-live plans we have set-up a fast-track approach, with a cloud-based, ready-to-use deployment model, open APIs for quick integration, focusing on rapid live delivery of your highest priorities (e.g. the investor mobile app) within a few months, and incrementally extending the service to a wider set of components.
Our mantra now should be, “Stay Safe, while making our business Stronger!”
**RELATED POST**
About objectway
### Objectway su Advisor e Aziendabanca
[](/owintalk/letture-di-agosto-objectway-su-advisor-e-aziendabanca/)
**Categories:** #ClientExperience, #DigitalChange, #DigitalCollaboration, #Workspace, About Objectway
---
### [Maximising the cost effectiveness of the Back-Office](https://objectway.com/maximising-the-cost-effectiveness-of-the-back-office/)
**Published:** April 3, 2020
**Author:** Silvia Boccuzzi
**Excerpt:** The fourth workshop run by Objectway and Compeer about the “Wealth Management Firm of 2025” tells us that back office costs are increasing as the business grows and this is the reason why firms are struggling to achieve scalability. The demand is to have a single system than can meet all of the back office requirements.
**Content:**
[  ](/owintalk/efficiency/)
###### APRIL 3, 2020
# Maximising the Cost Effectiveness of the Back Office
[Barbara Gentile](https://www.linkedin.com/in/barbara-gentile-3722782/)
Product Marketing Leader
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Automation](/owintalk/automation)[\#BackOffice](/owintalk/back-office)
The fourth workshop run by Objectway and Compeer about the “Wealth Management Firm of 2025” tells us that back office costs are increasing as the business grows and this is the reason why firms are struggling to achieve scalability.
A contributing factor behind these rising costs is the continual need to recruit additional staff, and pay them more than average, to support the additional business. Currently firms are suffering from inefficient back office systems, with legacy systems creating significant drag.
The demand is to have a single system than can meet all of the back office requirements, without the need for a large number of peripheral systems that are costly and sometimes unreliable.
INCREASING AUTOMATION
There is an overwhelming demand for increased automation, with the regulator also pushing for improvements. Increased automation will not only have its cost benefits but will also encourage clients to invest more.
In payment systems, automation may encourage more standing orders and direct debits, creating ongoing investments as well as the initial lump sum investment.
For example, a manual process that is expected to be more automated is Corporate Actions. Other issues continue to arise with very little integration between new CRM systems and existing (outdated) back office systems.
OUTSOURCING BACK OFFICE FUNCTIONS
If the firms were to start again, the majority would be keen to outsource the back office.
However, this is expected to be a slow and gradual journey as significant issues arise when replacing the large back offices that are already in place.
For smaller firms the transition could be quicker, although when firms reach a certain size they will need to analyse if it makes economic sense to then insource.
EMPLOYING ARTIFICIAL INTELLIGENCE
Artificial intelligence is an area that wealth managers are starting to investigate but currently they remain unsure as to exactly where it will be used and how it will work.
As it stands, the closest the industry comes to using it is through Robotic Process Automation and some having relatively simple AI tools that can scan reports to check for anomalies and changes compared to previous versions.
The next post will concern the technology of 2025, stay tuned!
**RELATED POST**
Objectway
### Insight
[](https://www.objectway.com/insights/)
**Categories:** #Automation, #BackOffice, Business Reconfiguration
---
### [Reducing Non-Value Added Interaction with Clients](https://objectway.com/reducing-non-value-added-interaction-with-clients/)
**Published:** March 13, 2020
**Author:** Silvia Boccuzzi
**Excerpt:** The third workshop run by Objectway and Compeer, regarding the report “Wealth Management Firm of 2025”, took a deeper dive into the current use of portals and mobile apps, client reporting and where improvements could be made.
**Content:**
[  ](/owintalk/customer-experience/)
###### MARCH 13, 2020
# Reducing Non-Value Added Interaction With Clients
[Barbara Gentile](https://www.linkedin.com/in/barbara-gentile-3722782/)
Product Marketing Leader
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#ClientExperience](/owintalk/clientexperience)[\#DigitalEngagement](/owintalk/digital-engagement)[\#ClientReporting](/owintalk/client-reporting)[\#MobileApp](/owintalk/mobileapp/)
The third workshop run by Objectway and Compeer, regarding the report “Wealth Management Firm of 2025”, took a deeper dive into the current use of portals and mobile apps, client reporting and where improvements could be made.
There are many ways in which a firm can interact with a client, but not all are cost-effective or add value to the firm. Although a few firms are using technological interactions and reporting as a differentiator, in many interaction areas the quality is currently lacking and clients can simply leave or switch providers if their requirements are not met in the near future.
Use of mobile apps
Close to 50%f of the firms we surveyed has a mobile app, with the remainder having mobile friendly versions of their portal and in most cases these are essentially read-only. In the future, they could be used for suitability checks, onboarding, trading and secure messaging.
The firms have seen pressure from IFAs for them to have access to an app with all the information they need, rather than having to rely on an investment manager to get back to them, which can be time consuming. Firms liked also the idea of a financial planning app, that provides a picture of a client’s entire finances.
Face to face meeting will not be replaced
It was clear that if mobile apps are to be provided by all in the industry, they should not entirely replace the initial face to face meeting as these are often the best opportunity to start to build a relationship with a client. Virtual meetings are thought by some industries to be useful in the future, but wealth management firms are completely convinced by this view. If virtual meetings are to be used, firms need the assurance that if a client is to be sent a link for a meeting, the link must always work and the meeting well received or some clients may not give a firm a second chance.
Reporting and presentation tools
When discussing presentations to prospects, firms would like an interactive presentation tool to be available to investment managers.
Encouraging the use of such tools, can move them away from paper reporting and give the impression of good corporate responsibility by reducing the use of paper, thereby helping to sustain the planet. This can only be positive, given responsible investing being a major topic in wealth management today.
Firms are aware that client reporting impacts the view of the client and so are looking for the suppliers with expertise in this area.
Read the full [report](http://www.objectway.com) to discover all the actions suggested and stay tuned for the next article!
**RELATED POST**
Objectway
### Insights
[](https://www.objectway.com/insights/)
**Categories:** #ClientExperience, #ClientReporting, #DigitalEngagement, #Mobileapp, Customer Experience
---
### [The Wealth Management Firm of 2025](https://objectway.com/the-wealth-management-firm-of-2025/)
**Published:** February 11, 2020
**Author:** Silvia Boccuzzi
**Excerpt:** Last thursday a networking event hosted by Objectway took place in London. The theme was to help define “The Wealth Management Firm of 2025”.
**Content:**
[  ](/owintalk/market-trends/)
###### JANUARY 15, 2021
# The Wealth Management Firm of 2025
[Alexander Cassar](https://www.linkedin.com/in/sandrocassar/)
Chief Business Operation Officer
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#DigitalChange](/owintalk/digitalchange/)[\#Cloud](/owintalk/cloud-2/)[\#HybridAdvisory](/owintalk/hybrid-advisory/)[\#ArtificialIntelligence](/owintalk/artificial-intelligence/)[\#Automation](/owintalk/automation/)
Last thursday I attended a networking event in London hosted by Objectway. The theme was to help define “The Wealth Management Firm of 2025”. The participants represented the crème-de-la-crème of the UK wealth management/private banking industry, providing more than 3000 jobs, a staggering £105 billion assets under management and combined revenues of £770 million as of 2018.
As the evening progressed, I had the pleasure to exchange views with my fellow peers on:
How we can bring financial planning to the forefront. There was common consensus that financial planning has become a mainstream service becoming the focal point for both clients and private wealth firms. What I scribbled on my note pad was the challenge UK providers are facing in how to combine this service with the traditional investment management services in a holistic, seamless multi-goal advisory service.
Increasing automation. We all nodded in harmony to the observation that there is a drive for increased automation of processes within operations in the immediate future. RPA was cited several times as a technology that can support firms to move away from manual processes, noting that firms need to be careful not to go to the other extreme as human contact could be jeopardised by doing so.
Industrialising the investment approach. Firms are considering a more standardised approach to investments with a core central strategy for the majority of clients. This means that we expect to see the minimum investment threshold for bespoke services to continue increasing way beyond the £1 million mark.
Engaging via Digital. While F2F meetings will stay, many agreed that virtual meetings will become the norm by 2025 as this will save time for FO professionals in terms of travel. However, this is expected to happen gradually as although firms are open to more digital engagement with their clients, there will be reluctance in certain quarters to embrace this technology in the near future. Like with robotics, a balance needs to be found between efficiency and personal touch.
Outsourcing. This topic was practically on everyone’s wish list! Smaller firms will have a first mover advantage as they can make the transition of outsourcing their BO quicker than their bigger competitors. For firms with £5 million AuM and above, this is expected to be a slow and gradual journey due to the transformation challenges associated with replacing large back offices that are already in-house. Experience also shows that desired cost reductions should not be at the expense of flexible customisation to the firm’s needs.
The Cloud. Provided it remains entirely secure and affordable, firms are very open to using the Cloud. Less so for data harvesting and Big Data. Both seen as low on their agenda due to the TCO and payback from investing in such services.
AI. Artificial Intelligence has a place in private wealth management. However, it is seen more as a support function in a firm’s value chain rather than a primary activity to replace humans. One good example we discussed was using machine learning to improve BO processes.
Thank you to all participants for the insightful exchange at this lovely evening in London.
**RELATED POST**
Market Trends
### What Technology is Required to Support the Firm of 2025?
[](/owintalk/what-technology-is-required-to-support-the-firm-of-2025/)
Market Trends
### Challenges and Chances for Wealth Managers to Thrive in 2021
[](/owintalk/challenges-and-chances-for-wealth-managers-to-thrive-in-2021/)
Objectway
### Insight
[](https://www.objectway.com/insights/)
**Categories:** #ArtificialIntelligence, #Automation, #Cloud, #DigitalChange, #HybridAdvisory, Market Trends
---
### [Maximising Brand Awarness and Prospect Acquisition](https://objectway.com/maximising-brand-awareness-and-prospect-acquisition/)
**Published:** January 29, 2020
**Author:** Silvia Boccuzzi
**Excerpt:** The firms interviewed by Objectway and Compeer in the report “Wealth Management Firm of 2025”, are expecting significant changes in terms of Sales and Marketing by 2025. A focal point of a wealth management firm’s brand should be their website and other web presence. That means they should commit a large amount of resources to ensure high-quality content and videos.
**Content:**
[  ](/owintalk/market-trends/)
###### JANUARY 29, 2020
# Maximising Brand Awareness And Prospect Acquisition
[Barbara Gentile](https://www.linkedin.com/in/barbara-gentile-3722782/)
Product Marketing Leader Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Clientcommunication](owintalk/clientcommunication/)[\#Portfoliomanagement](owintalk/portfolio-management-h/)[\#Digitalengagement](owintalk/digital-engagement/)
The firms interviewed by Objectway and Compeer in the report “Wealth Management Firm of 2025”, are expecting significant changes in terms of Sales and Marketing by 2025.
Now less than 5% of revenue is spent on marketing, which places wealth management industry far behind the benchmark set by other luxury goods suppliers.
Use of advertising and marketing
It is therefore no surprise that brand awareness is very low, and that the industry does very little in terms of advertising.
The marketing that currently takes places consists of specific adverts in regional lifestyle magazines, wealth management news feeds and running a series of events and campaigns.
There is generally also very little done in terms of social media.
A focal point of a wealth management firm’s brand should be their website and other web presence. That means they should commit a large amount of resources to ensure high-quality content and videos.
Client interaction and data collection
When considering the collection of data on prospects, firms admitted that tracking website data is currently very basic and limited.
Some firms have been known to provide incentive schemes for client referrals and, for those that have a CRM system, they should keep track of the best source of referrals.
It is encouraging to see that most firms now have some form of CRM system in place, although in some cases it has only recently been purchased and so is yet to be fully integrated. In an ideal world, when the CRM system will be fully functional, the firms would be keen for it to be accessible in a secure manner from wherever the wealth manager is based, and so not being restricted to their desktops at the office.
The Wealth Management Firm of 2025
So, how the firm of the future should be?
Definitely it should be far more digital, with a wider range of online interactions. This should allow for a more scalable set-up, provided more automation can be achieved.
Moreover, there should be more access to mobile apps, allowing clients to access more information at greater speed. Everything should be seamlessly integrated with clean data, cost-effective to analyse.
Read the [full report](https://www.objectway.com/) to discover all the actions suggested and stay tuned for the next article!
**RELATED POST**
Market Trends
### What Technology is Required to Support the Firm of 2025?
[](/owintalk/what-technology-is-required-to-support-the-firm-of-2025/)
Market Trends
### Challenges and Chances for Wealth Managers to Thrive in 2021
[](/owintalk/challenges-and-chances-for-wealth-managers-to-thrive-in-2021/)
Objectway
### Insight
[](https://www.objectway.com/insights/)
**Categories:** #ClientCommunication, #DigitalEngagement, #PortfolioManagement, Market Trends
---
### [The Wealth Management Firm of 2025 will boost front office productivity](https://objectway.com/the-wealth-management-firm-of-2025-will-boost-front-office-productivity/)
**Published:** December 18, 2019
**Author:** Silvia Boccuzzi
**Excerpt:** The first of six workshops hosted by Compeer and Objectway on the key issues wealth management firms are currently facing, focused on boosting front office productivity and brought out that in the next 5 years some changes to the typical day for a Front Office Professional (FOP) are expected.
**Content:**
[  ](/owintalk/digital-transformation/)
###### DECEMBER 18, 2019
# The Wealth Management Firm of 2025 will Boost Front Office Productivity
[Barbara Gentile](https://www.linkedin.com/in/barbara-gentile-3722782/)
Product Marketing Leader
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#FrontOffice](/owintalk/front-office)[\#ClientRelationship](/owintalk/client-relationship)[\#DigitalChange](/owintalk/digitalchange)[\#DigitalEngagement](/owintalk/digital-engagement)
The front office is by far the greatest expense for wealth management firms and so it is vital for overall performance that it is running in an efficient and cost-effective manner.
To achieve this goal and to answer many questions relating to planning for the future, Compeer and Objectway hosted six workshops to understand the key issues wealth management firms are currently facing and where improvements are required, shaping the firm of 2025.
The first workshop, focused on boosting front office productivity, brought out that in the next 5 years some changes to the typical day for a Front Office Professional (FOP) are expected.
DEVELOPING RELATIONSHIPS
The approach from an individual FOP will very much depend on their average client size and the number of clients that they are managing in total.
The majority of the day will be spent on building relationships, which should help with raising referral rates.
Many firms expect also to move to a central investment proposition, having a typical Private Banking set-up with client facing Relationship Managers and Financial Planners. In the background will be Investment Managers running the underlying investments and a team of support staff/assistants that will complete all administrative tasks.
ENGAGING VIA DIGITAL
By 2025, when pitching to a client, it is expected that more FOPs will be using a tablet of some kind, rather than a printed pack that many currently use, and there will be an efficiency requirement that a client’s portfolio can be pulled up at any time.
Once the client has been convinced, the onboarding process begins: the key is to make it as easy and pain-free for the client, which in due course can lead to more referrals.
Face to face meetings will continue to take part in the service, however the frequency of these types of meetings will be less, in favour of virtual meetings.
BRIGING FINANCIAL PLANNING TO THE FOREFRONT
Moreover, the resounding view was that by 2025, the core service will shift to financial planning. Discretionary portfolio management will remain very important, but many are looking to bring financial planning services in-house.
These and other interesting considerations have emerged during these profitable meetings, read the full report and discover all the lessons learnt and the actions suggested.
Discover all the findings of the workshops by reading the other posts dedicated to the Wealth Management Firm of 2025:
- [Maximising Brand Awareness And Prospect Acquisition](https://www2.objectway.com/owintalk/?p=92)
- [Reducing Non-Value Added Interaction With Clients](https://www2.objectway.com/owintalk/?p=78)
- [Maximising the Cost Effectiveness of the Back Office](https://www2.objectway.com/owintalk/?p=67)
- [What Technology is Required to Support the Firm of 2025?](https://www2.objectway.com/owintalk/?p=49)
**RELATED POST**
Customer Experience
### Reducing Non-Value Added Interaction With Clients
[](/owintalk/reducing-non-value-added-interaction-with-clients/)
Market Trends
### Maximising Brand Awareness And Prospect Acquisition
[](/owintalk/maximising-brand-awareness-and-prospect-acquisition/)
Market Trends
### What Technology is Required to Support the Firm of 2025?
[](/owintalk/what-technology-is-required-to-support-the-firm-of-2025/)
Efficiency
### Maximising the Cost Effectiveness of the Back Office
[](/owintalk/maximising-the-cost-effectiveness-of-the-back-office/)
**Categories:** #ClientRelationship, #DigitalChange, #DigitalEngagement, #FrontOffice, Digital Transformation
---
### [Celent Mentions Us for the Virtues of Objectway WealthTech Suite](https://objectway.com/celent-mentions-us-for-the-virtues-of-objectway-wealthtech-suite/)
**Published:** October 14, 2019
**Author:** Silvia Boccuzzi
**Excerpt:** We have been mentioned in the last August report from Celent, European Wealth Management Technology Vendors – Evaluating Front-To-Back Office Platform Vendors. According to the report, with our Objectway WealthTech Suite, we know how to stay on the bleeding edge of software technology and, at the same time, deploy a wide range of functionality in a product.
**Content:**
[  ](/owintalk/about-objectway/)
###### OCTOBER 14, 2019
# Celent Mentions Us for the Virtues of Objectway WealthTech Suite
By Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#BackOffice](/back-office/)[\#Portfoliomanagement](/portfolio-management-h/)[\#FrontOffice](/front-office/)[\#ClientExperience](/clientexperience/)
You know, we genuinely love to be mentioned in the press and in [reports from the best business consulting firms](https://www2.objectway.com/owintalk/twelve-months-of-recognition-by-gartner/https://www2.objectway.com/owintalk/twelve-months-of-recognition-by-gartner/ "Twelve Months of Recognition from Great Analysts").
You can then imagine how we feel after seeing our mention in the last August report from [Celent](https://www.celent.com "Celent"), European Wealth Management Technology Vendors – Evaluating Front-To-Back Office Platform Vendors. One more testament to our work, our strategy, and our product line. Terrific.
We Shine at Insersections, Celent Says
Laws of development state that it’s hard to stay on the bleeding edge of software technology and, at the same time, deploy a wide range of functionality in a product. But, according to the report, we know how to do that at a good extent with our [Objectway WealthTech Suite](/objectway-wealthtech-suite/ "Objectway WealthTech Suite").
There is more. As your customer base increases, to provide service with a high grade of depth requires an increased commitment. Still, the intersection of these statistics spells a very good result for Objectway. Think about that: no other firm in the report comes even close to our number of clients in Europe.
There’s Still Work To Do
Objectway WealthTech Suite’s technical architecture is robust and reliably scalable; it has great APIs and integration capabilities; support for localization and local conventions is ample; the solution can plug in any legacy environment and interface with pre-existent CRMs and other components, nonetheless is a complete front-to-back solution; we can deploy on-premises on in the cloud, public, hybrid, private, whatever the client needs.
No product is perfect, of course, and even Objectway WealthTech Suite can improve. Our work on Artificial Intelligence features, for instance, is in progress and we didn’t deploy everything we have planned… yet. But we are committed every day to make it an even better suite. Our microservice approach allows services exposure, where each component/service can adopt a different level of integration with microservices enablers. Each service can also perform an enrichment phase to retrieve external information through standard multiprotocol invocation.
But We’re Proud of Our Achievements
Glad as we are for the attention we got from Celent, it’s also a motivation to bring further the scope of our solutions for Wealth and Asset Management. Fintech is rapidly evolving and we want to ride change while continuing to offer solid and capable solutions, fully-fledged for today’s firm needs.
**RELATED POST**
About objectway
### Double Win for Objectway Wealthtech Suite at xCelent 2020 Awards
[](/owintalk/double-win-for-objectway-wealthtech-suite-at-xcelent-2020-awards/)
About objectway
### Twelve Months of Recognition by Gartner
[](/owintalk/twelve-months-of-recognition-by-gartner/)
About objectway
### Our Work on Client Reporting Recognised by Celent
[](/owintalk/our-work-on-client-reporting-recognised-by-celent/)
**Categories:** #BackOffice, #ClientExperience, #FrontOffice, #PortfolioManagement, About Objectway
---
### [Mass Customisation:A Tale of Technology Serving the Advisor](https://objectway.com/mass-customisation-a-tale-of-technology-serving-the-advisor/)
**Published:** October 9, 2019
**Author:** Silvia Boccuzzi
**Excerpt:** There are many keywords to define Mass Customisation with in technology terms, but – in summary – we shall talk about containers, microservices, machine learning and, above all, absence of lock-in.
**Content:**
[  ](/owintalk/advisory/)
###### OCTOBER 9, 2019
# Mass Customisation: A Tale of Technology Serving the Advisor
By Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Automation](/owintalk/automation/)[\#DigitalAdvisory](/owintalk/digital-advisory/)[\#HybridAdvisory](/owintalk/hybrid-advisory/)[\#Microservices](/owintalk/microservices/)
What is the technology behind a mass customisation solution that allows the advisor to [save time](https://www2.objectway.com/owintalk/?p=124) and [reduce effort](https://www2.objectway.com/owintalk/?p=116)? A solution that leaves space for optimisation and allows him to increase contact with customers and advise them on how to achieve the optimal result, free from inconveniences, bureaucracies and hurdles?
There are many keywords to define [Mass Customisation](https://www.objectway.com/digital-investment-advisory/) with in technology terms, but – in summary – we shall talk about containers, microservices, machine learning and, above all, absence of lock-in.
Containers and Microservices
Constant availability of optimal processing capacity is an important aspect of a mass customisation solution. The framework of Mass Customisation is based on [microservices](https://microservices.io/) and algorithms running within [containers](https://www.docker.com/resources/what-container). Technical jargon put aside, the software is organised into small, independent components, that collaborate at their best regardless of how heavy the workload is.
Docker containers and microservices allow for automatic scalability, both horizontally and vertically: need more power for a single component? Or do you need more channels for delivering results? Processing resources are always at the optimal level to provide maximum performance. The idea here is to have Algorithms as a Service, activating as and when desired. Thanks to automatised management and transparent interchangeability of components, no update will compromise operations. In fact, thanks to Agile, continuous development and integration methodologies, the system is constantly improving and fine-tuning.
A System that Learns and Can Be Taught
We are proud of the speed of Mass Customisation and also of how it automatically learns as it works. In fact, the code incorporates algorithms for implicit cluster profiling, behavioral analysis, predictive models and optimisation; it improves by itself. And, when feedback comes from the advisor network, it incorporates ruins into its knowledge base. The system improves both from self-learning and from the feedback given to it.
This is linked to the ability to directly measure the response to each portfolio proposal campaign and continuously adapt the campaigns themselves to the changing requirements, to always get the best result and always know how to adjust a campaign to get closer to the expected results.
Integrates Immediately, Operational Ready, but Leaving Freedom of Choice
Mass Customisation contains a *service integration framework* that eases and speeds up integration into existing systems, through the extension of ready-made services. The system already contains all monitoring, alarms and other features to minimise downtime. More importantly, the combination of modularity, scalability, API exposure and organization by entity means that **it does not have any technological lock-in**.
Such great flexibility available to the customer reverberates in the tools at him/her disposal: the delivery channels of the portfolio proposals, for example, can be in the number and type desired, modifiable at will by format and content. Deployment happens on a hybrid cloud: the parts that require more processing power are run on public clouds; the sensitive data and the parts the customer demands confidentiality on can stay on a private cloud, on-premises or at the Trusted Cloud Partner hosting services by Objectway.
Technology That Harness Value from Data
Mass customisation enhances the value of data available to the customer, not the data model that organises them. Thus, the value for the customer is maximised. Such value is both continuously measurable and disconnected from the infrastructure due to the absence of lock-in, so you can understand how it can answer to business needs with great effectiveness, thanks to its technological substrate. Effectiveness is our goal.
**RELATED POST**
Advisory
### Mass Customisation: A Tale of Saving Work
[](/owintalk/mass-customisation-a-tale-of-saving-work/)
Advisory
### Mass Customisation: A history of time savings
[](/owintalk/mass-customisation-a-history-of-time-savings/)
**Categories:** #Automation, #DigitalAdvisory, #HybridAdvisory, #Microservices, Advisory
---
### [Mass Customisation: a tale of saving work](https://objectway.com/mass-customisation-a-tale-of-saving-work/)
**Published:** September 9, 2019
**Author:** Silvia Boccuzzi
**Excerpt:** We have dedicated many people and lines of code to saving work (without sacrificing optimisation and customisation), in our new Mass Customisation.
**Content:**
[  ](/owintalk/advisory/)
###### SEPTEMBER 9, 2019
# Mass Customisation: A Tale of Saving Work
By Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#ClientRelationship](/owintalk/client-relationship/)[\#Automation](/owintalk/automation/)[\#DigitalAdvisory](/owintalk/digital-advisory/)[\#HybridAdvisory](/owintalk/hybrid-advisory/)
We have already explained how our [mass customisation solution can assist in saving time](https://www2.objectway.com/owintalk/?p=124). A truly efficient advisor should see five clients a day, five days a week. The reality is that this pace is unsustainable and would be helped by a solution reducing time needed to manage each customer, delivering the same, or better quality.
However, it is clear that saving work is also a need and that the quality of the relationship with the customer has to improve. A time saving stifled by too much bureaucracy and the difficulty of delivering truly optimised proposals brings less value than it should. This is why we have dedicated many people and lines of code to saving work (without sacrificing optimisation and customisation), in our new [Mass Customisation](https://www.objectway.com/digital-investment-advisory/).
Mass Customisation Through Iteration
It takes between thirty and sixty minutes for an advisor to put together a good proposal for a client. What about ten customers? Or fifty? Obviously a leap in productivity is needed. Mass Customisation generates prepackaged proposals for any number of customers, in a few seconds or a few minutes. The generated proposals are made available to the advisor as soon as they are ready.
The advisor is free to use the proposals without changes, since they are also MIFID II compliant. But more can be done! The advisor can fine-tune specific proposals and send feedback to the central system in a matter of minutes. The central system gets the feedback and adjusts the proposal. The advisor now works on a refined and tailor-made proposal, all thanks to the product’s ability to manage customer characteristics and six major families of constraints, which it can submit to the customer.
Second Level Feedback
Is it necessary to meet the client in person, a circumstance that requires both commitment and organisation? Why not? But it is also possible to activate web collaboration, in real time – talk to each other and see each other, ignoring distance – or asynchronously, by sending a message that the customer can read at his convenience.
The customer may accept the proposal, or request changes. The system and the advisor are informed of customer feedback; Mass Customisation incorporates the changes and generates a new proposal, increasingly optimised and closer to the definitive one, if not final already.
Mass Customisation Puts the Advisor at the Center of the Relationship with the Customer
Mass Customisation manages the entire life cycle of the portfolio proposal. The advisor resets or minimises the effort of generating the proposals; remains at the centre of feedback between customer and system, and oversees the customisation and the effectiveness of the proposal with a lightness of effort and a speed never seen before, focusing on the real management of the relationship while leaving activities that may be automated to, well, automation.
Thus, the advisor becomes more relevant than ever in the proposal life cycle and in the relationship with the client. But he or she is also relieved of much of the effort that they must face today in order to maintain the desired level of performance.
**RELATED POST**
Advisory
### Mass Customisation:
A history of time savings
[](/owintalk/mass-customisation-a-history-of-time-savings/)
Advisory
### Mass Customisation: A Tale of Technology Serving the Advisor
[](/owintalk/mass-customisation-a-tale-of-technology-serving-the-advisor/)
**Categories:** #Automation, #ClientRelationship, #DigitalAdvisory, #HybridAdvisory, Advisory
---
### [Objectway su Advisor e Aziendabanca](https://objectway.com/letture-di-agosto-objectway-su-advisor-e-aziendabanca/)
**Published:** August 21, 2019
**Author:** Silvia Boccuzzi
**Excerpt:** Tra le soddisfazioni che abbiamo raccolto durante questa annata figura anche l’essere riusciti a trasmettere la nostra voce tramite media autorevoli, con contenuti interessanti.
**Content:**
[  ](/owintalk/about-objectway/)
###### AUGUST 21, 2019
# Objectway su Advisor e Aziendabanca
By Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#ClientCommunication](/clientcommunication/)[\#PortfolioOptimisation](/owintalk/portfolio-optimisation)[\#Digitaladvisory](/digital-advisory/)
*Tra le soddisfazioni che abbiamo raccolto durante questa annata figura anche l’essere riusciti a trasmettere la nostra voce tramite media autorevoli, con contenuti interessanti. In questa pausa estiva vale la pena di rispolverare i contributi più significativi.*
Consulenza, più valore all’ultimo miglio
Su Aziendabanca di novembre 2018 abbiamo spiegato come l’attenzione per le piattaforme IT di servizi in Italia sia elevata, come accade in altre parti del Continente, e come il supporto decisionale rappresenti un nodo cruciale:
> Nel percorso verso una maggiore digitalizzazione dei servizi di private banking stanno emergendo alcune sfide: la pressione sui margini, dovuta anche alla recente introduzione della MIFID II, comporta l’aumento delle masse gestite e dei clienti per ciascun banker. Si conferma quindi determinante la capacità di avere strumenti in grado di suggerire in modo proattivo la “next best action” al banker.
> Ma per abilitare queste capacità occorre inserire le nuove soluzioni all’interno di un contesto già esistente, costituito da sistemi legacy e da layer digital di prima generazione. Esistono diversi paradigmi di integrazione delle informazioni, ma finora quello prevalente è consistito nel trasferimento massivo dei dati da una piattaforma all’altra. Si tratta tuttavia di un modello poco efficiente, basato su un’eccessiva ridondanza del dato. I moderni approcci rendono possibile invece ridurre le criticità garantendo una condivisione più efficiente delle informazioni all’interno del nuovo ecosistema digitale.
Costruiamo portafogli a misura di cliente
Sempre Objectway è stata protagonista, assieme allo *special guest* Massimiliano Caporin di GRETA Associati, di un duetto ospitato da Massimo Morici sulle pagine di *Advisor*, all’indomani della presentazione congiunta di Portfolio Optimizer. Abbiamo sintetizzato le caratteristiche salienti della nuova soluzione:
> è uno strumento trasversale che si adatta a tutti i segmenti di offerta, reti di consulenti finanziari abilitati all’offerta fuori sede, banche fino ai robo-advisor. \[…\] I nuovi algoritmi sviluppati con GRETA Associati rappresentano un ulteriore passo della nostra strategia e permettono in pochissimo tempo di ottimizzare e personalizzare il portafoglio a seconda delle caratteristiche e delle esigenze di ogni singolo cliente. Il nostro sistema di ottimizzazione riduce la complessità del portafoglio e permette di definire l’asset allocation dal punto di vista strategico e tattico.
Caporin, professore di statistica economica all’Università di Padova e partner di GRETA Associati, ha spiegato dal canto suo perché oggi sia importante dotarsi di sistemi di ottimizzazione del portafoglio che mettono a frutto Big Data e intelligenza artificiale:
> I player che hanno a disposizione queste soluzioni potranno avere la strada spianata. Questo vale sicuramente per banche e società che si rivolgono a clientela di fascia medio-alta, ma è possibile anche immaginare un utilizzo di soluzioni di questo tipo in ambito B2C per i risparmiatori, ad esempio per la scelta corretta del piano pensionistico. Non è detto, ad esempio, che la posizione lavorativa e l’età siano i soli due parametri da prendere in considerazione.
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**Categories:** About Objectway
---
### [Twelve Months of recognition by Gartner](https://objectway.com/twelve-months-of-recognition-by-gartner/)
**Published:** August 7, 2019
**Author:** Silvia Boccuzzi
**Excerpt:** This year is bringing us satisfaction in many areas. One of which is that Objectway was recognized in more than one Gartner report during last twelve months and, to us, that’s a good reason to be happy.
**Content:**
[  ](/owintalk/about-objectway/)
###### AUGUST 7, 2019
# Twelve Months of Recognition by Gartner
By Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Portfoliomanagement](/portfolio-management-h/)[\#Digitalisation](/digitalisation/)[\#Frontoffice](/front-office/)
*I skate to where the puck is going to be, not to where it has been.*
— Wayne Gretzky, ice hockey player
This year is bringing us satisfaction in many areas. One of which is that Objectway was recognized in more than one Gartner report during last twelve months and, to us, that’s a good reason to be happy.
Pick Your Digital Banking Platform
The August 2018 Gartner *Market Guide for Digital Banking Platforms* recognized Objectway as a Representative Digital Banking Platform Vendor, among 29 digital banking platform vendors included in the report.
A Launch Platform
We see that digital is an imperative today for banks; while a sensible approach may suggest going for a soft adoption of digital, or a partial one, the long term calls for a wholly digitally-run business. That moment, a good and scalable digital banking platform will be an imperative too, and the most experienced players will likely have a better time.
Holistic Advice and Up-to-date Technology Needed
Objectway was also recognized as a Representative Vendor for Financial Planning, Portfolio Management and All-in-One Wealth Platforms in the report *Integrate Advisor Supporting Technologies Into Digital Platforms to Accelerate Advisor Adoption* (December 2018) by Gartner.
A key finding from the report is, “Although advisors believe most supporting technologies to be high value, adoption can be thwarted because the technology is outdated or obsolete, doesn’t improve the client experience or is too time intensive to use effectively, causing advisors to look for alternate solutions.” The report goes on to state, “Firms will need to be aware as well that although these tools are considered highly valuable, they also come with risks, the two most important being scalability of systems to planned volume and vulnerability to security threats.” We take this to mean that there are risks in scaling technology, and maybe some resistance to change.
Holistic, Best-of-Breed
The Gartner report lists a number of existing advisor technologies that are requiring integration, including Customer Relationship Management (CRM), Financial Planning, Portfolio Management, Performance and Client Reporting, Market Data and Analytics, Document Management and Marketing Tools, Proposal Workflow Tools, Social Media Tools, and All-in-One Wealth Platforms. We are very happy to be named in the Financial Planning, Portfolio Management, and All-in-One Wealth Platforms categories as a Representative Vendor. We see this as going all the way to create a capable wealth management platform enabling holistic advice as one of our goals.
Digital Empathy and Client-Facing Technology
We were also quite glad to be mentioned by Gartner in their report *Enhance the Collaboration Experience in Client-Facing Technology to Improve Digital Empathy* (December 2018).
Collaboration is the key
According to Gartner,
> *“When wealth firms progress toward digital transformation, they must concentrate on eliminating today’s pain points while positioning for tomorrow’s promise. One area of focus, and perhaps one of the most pressing from both a line-of-business requirement as well as a technology challenge, is the need to enhance collaboration features in today’s client-facing technologies while preparing to eventually integrate them into wider offerings of client-supporting tools.”*
We see that clients of any net worth value, High Net Worth included, positively wish to be able to manage their investment and data by themselves, at a certain extent. According to the Gartner report, “As smartphones become necessities and in some cases addictions for average clients, firms need to begin considering mobile applications and interactions with their clients.”
Digital to the Core
In this report, Gartner identifies us as a *core wealth-technology vendor*. We believe that our mobile apps could be chosen by wealth firms willing to bring more digital empathy at the table, to follow the demand from clients and offer them self-management and collaboration tools in line with their expectations.
A Summer of Work
In August, all things usually relax a bit. This August, like every year, we keep working. We have much to develop, implement, and innovate in order to continue our success.
The reason is simple: we believe that a Gartner report usually points at where the puck is going to be.
Gartner Disclaimer
###### Gartner does not endorse any vendor, product or service depicted in its research publications, and does not advise technology users to select only those vendors with the highest ratings or other designation. Gartner research publications consist of the opinions of Gartner’s research organization and should not be construed as statements of fact. Gartner disclaims all warranties, express or implied, with respect to this research, including any warranties of merchantability or fitness for a particular purpose.
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**Categories:** About Objectway
---
### [MASS CUSTOMISATION: A history of time savings](https://objectway.com/mass-customisation-a-history-of-time-savings/)
**Published:** August 2, 2019
**Author:** Silvia Boccuzzi
**Excerpt:** A few weeks ago we released the latest version of our Mass Customisation solution. We designed it with many goals in mind; one of them being to free up time for the advisor.
**Content:**
[  ](/owintalk/advisory/)
###### AUGUST 2, 2019
# Mass Customisation:
# A history of time savings
By Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Automation](/owintalk/automation/)[\#DigitalAdvisory](/owintalk/digital-advisory/)[\#HybridAdvisory](/owintalk/hybrid-advisory/)
A few weeks ago we released the latest version of our Mass Customisation solution. We designed it with many goals in mind; one of them being to free up time for the advisor.
Those in the world of asset management know that for financial consultants, there is the so-called rule-of-five: the necessity to engage with five clients a day, five days a week.
MASS CUSTOMISATION MEANS MORE FREE TIME
It is a demanding pace to be sustained, increasingly hindered by external factors such as customers’ increasing demands regarding modes of contact, growing competition, decreasing margins, increasingly complex regulations to manage and so on.
Something can be done: automation. Mass customisation is the ability to create personalised proposals ready to go on the consultant’s desk within a few minutes. A few seconds for a simple proposal a little longer if there are significant constraints that need to be considered.
MASS CUSTOMISATION MEANS THAT AUTOMATIC TRIUMPHS OVER MANUAL
This is just the beginning, and it’s a good start. Manually, it’s difficult to prepare a good proposal in a short time. Shall we say twenty minutes? Forty? Everyone has their own methods, but there is already a substantial time-saving to be had by everyone.
A prepackaged and personalised proposal is one of the promises Mass Customisation. But what about the quality? And the customisation of the proposal to the changing needs of the customer? That is another story to be revealed shortly.
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### Mass Customisation: A Tale of Saving Work
[](/owintalk/mass-customisation-a-tale-of-saving-work/)
Advisory
### Mass Customisation: A history of time savings
[](/owintalk/mass-customisation-a-tale-of-technology-serving-the-advisor/)
**Categories:** #Automation, #DigitalAdvisory, #HybridAdvisory, Advisory
---
### [Objectway on Fintech Times and Milano Finanza, About AI, Chatbots, and Big Data](https://objectway.com/august-readings-objectway-on-fintech-times-and-milano-finanza-about-ai-chatbots-and-big-data/)
**Published:** July 30, 2019
**Author:** Silvia Boccuzzi
**Excerpt:** This business season proved really satisfying for us and one of our reasons for happiness is having been able to make ourselves heard on authoritative media in the right way.
**Content:**
[  ](/owintalk/augmented-intelligence/)
###### JULY 30, 2019
# Objectway on Fintech Times and Milano Finanza, About AI, Chatbots, and Big Data
By Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Automation](/automation/)[\#Digitalisation](/digitalisation/)[\#ArtificialIntelligence](/owintalk/artificial-intelligence)
This season has been extremely satisfying for us. We succeeded in making our voice heard and properly speak up on remarkable influential media. As we expect to go through a slow news cycles we believe it is a good idea to remember our most significant contributions to the press.
Why Objectway Thinks Clients are Too Important to be Delegated to Algorithms
Objectway met The Fintech Times to provide insights into the adoption of Artificial Intelligence technology in the Wealth Management market.
Let’s bring back one particularly meaningful exchange: The Fintech Times asked Should we be scared of AI, what do you think are the biggest risks? and we answered:
> We should not fear AI per se, but rather we should be scared of its premature deployment in settings where it has not been thoroughly tested. We should work more on establishing acceptance criteria that ensure no damage can occur, and monitor AI systems constantly, always ready to override them when meeting with unpredictable outcomes.
Are You Ready for Digital Wealth?
The Italian financial daily Milano Finanza made room for Objectway’s contribution speaking of how Big Data, Artificial Intelligence, and the Internet of Things change clients’ behaviors and expectations.
On March 19th, our CEO and founder Luigi Marciano was featured on the article [Siete pronti per il Digital Wealth](https://www.objectway.com/siete-pronti-per-il-digital-wealth/?lang=it)? (Are You Ready for Digital Wealth?). Here’s an excerpt from Luigi’s intervention (translated from the Italian original version):
> The fourth industrial revolution is fostering both a fast technological evolution and an equally fast-changing of investors’ behaviours in the Wealth Management market, pushing on backs so that they rethink how they manage customer relationships.
> The new generation of clients wants to be more involved in investment decisions and expects a user experience that is comparable with what they find in other sectors. Banks will have to face new players (Amazon, Facebook, Google) that have the technology and user experience at the centre of their offering.
Big Data, Pain and Pleasure
Likewise, on June 29th, on Milano Finanza, in the article [Big Data, croce e delizia](https://www.objectway.com/big-data-croce-e-delizia/?lang=it) (Big Data, Cross and Delight) we had the opportunity to explain why managing information about clients is more and more strategic.
Robotic Automation, Natural Language Processing, or machine learning, these are recurring terms wherever technology is impacting on markets, and private banking, wealth management, and investment management are no exception. Yet there’s a significant gap between firms wanting to invest and actual awareness of how to use them to offer better user experience and a complete, omnichannel customer journey.
Putting ethics, law, psychology to work on issues regarding the use of Artificial Intelligence is key in mastering the new industrial revolution in wealth management. As Georgios said,
> We shouldn’t fear AI in itself, but its misuse in environments where the matter was not thoroughly studied. Focusing on defining criteria to prevent damage will be essential and we’ll have to continuously monitor artificial intelligences, to bypass them when the need arises.
**RELATED POST**
Objectway
### Siete pronti per il Digital Wealth?
[](https://www.objectway.com/siete-pronti-per-il-digital-wealth/?lang=it)
Objectway
### Big Data, croce e delizia
[](https://www.objectway.com/big-data-croce-e-delizia/?lang=it)
Objectway
### Clients are Too Important to be Delegated to Algorithms
[](https://www.objectway.com/clients-are-too-important-to-be-delegated-to-algorithms/)
**Categories:** #ArtificialIntelligence, #Automation, #Digitalisation, Artificial Intelligence
---
### [Our Work on Client Reporting Recognised by Celent](https://objectway.com/our-work-on-client-reporting-recognised-by-celent/)
**Published:** July 29, 2019
**Author:** Silvia Boccuzzi
**Excerpt:** We are pleased to see Objectway repeatedly and significantly cited in the report Client Reporting: the shift in delivery from low-value data to high-value information from Celent.
**Content:**
[  ](/owintalk/about-objectway/)
###### JULY 29, 2019
# Our Work on Client Reporting Recognised by Celent
By Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#BackOffice](/back-office/)[\#Portfoliomanagement](/portfolio-management-h/)[\#FrontOffice](/front-office/)[\#ClientExperience](/clientexperience/)[\#Clientreporting](/client-reporting/)
Client reporting sees increasing interest from wealth firms and managers because it is an important part of the client experience, and cannot be done the old way any longer.
Clients wish clear and readable reports, while firms need to be able to produce them with a high degree of personalization, in big numbers, with help from edge technologies like machine learning, like a part of broader initiatives that attain to a continuous and fluid conversation with the client.
NO MONE CHEAP DATA, BUT VALUABLE INFORMATION
We are pleased to see Objectway repeatedly and significantly cited in the report Client Reporting: the shift in delivery from low-value data to high-value information from Celent.
The report analyzes how client reporting is changing, what requests are in demand, and which tools and companies are sporting with capabilities able to satisfy the most critical needs.
EXIMIUS AND CONECTUS BRING INNOVATION AND EFFECTIVENESS TO MODERN CLIENT REPORTING
We are mentioned ten times across the report, in the categories Client Engagement and Expectations, Regulatory, Data Management and Automation.
The report refers to the client reporting feature available in eXimius Reporting to Clients, eXimius Client Engage, Conectus Investor Portal and Conectus app. Some sample pages of our Client Reporting features are also pictured.
UNDERSTANDING ONGOING INNOVATION TO DO CLIENT REPORTING THE RIGHT WAY
Good reporting is no longer just printing out numbers every while, and doing it well today means the capability to understand either the demands from clients and firms, and the innovation necessary to deliver a compelling reporting experience for the client.
Client loyalty today is lower than in the past and a valuable experience is a critical asset for firms to retain clients and have them satisfied.
We are proud to effectively help firms and advisors on that, and are committed to build great experiences for clients, that provide not low-quality data, but high-value information for a truly successful wealth and asset management.
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---
### [Don’t Be Scared of Artificial Intelligence, but of Bad Implementations of It](https://objectway.com/dont-be-scared-of-artificial-intelligence-but-of-bad-implementations-of-it/)
**Published:** June 26, 2019
**Author:** Silvia Boccuzzi
**Excerpt:** Our Chief Product Officer, Georgios Lekkas, had a clear and concise interview with The Fintech Times. Georgios showed how Artificial Intelligence is going to have a major impact in Fintech, where it’s coming from, what are the hurdles to overcome, how to have your workforce ready for AI coming and, if we have to fear its advent or not.
**Content:**
[  ](/owintalk/augmented-intelligence/)
###### JUNE 26, 2019
# Don’t Be Scared of Artificial Intelligence, but of Bad Implementations of It
By Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#ArtificialIntelligence](/owintalk/artificial-intelligence)[\#Digitalisation](/owintalk/digitalisation)[\#Automation](/owintalk/owintalk/automation/)
Our Chief Product Officer, Georgios Lekkas, had a clear and concise interview with The Fintech Times: [Why the CPO at Objectway Thinks Clients are Too Important to be Delegated to Algorithms.](https://thefintechtimes.com/chief-product-officer-ebo/)
Georgios showed how Artificial Intelligence is going to have a major impact in Fintech, where it’s coming from, what are the hurdles to overcome, how to have your workforce ready for AI coming and, if we have to fear its advent or not. Regarding the latter topic, Georgios was pretty on spot:
We should not be scared of AI per se, but of its premature deployment in settings where it has not been thoroughly tested. We should work more on establishing acceptance criteria that ensure no damage can occur, and monitor AI systems constantly, always ready to override them when meeting with unpredictable outcomes.
Being AI Inevitable, Being Scared of It Is Fruitless
AI in Fintech is a proposition as complex as it is promising, due to the burden of regulation (GDPR above all), lack of skills either inside and outside the company, fear of disruption, and resistance to change. Nonetheless it is coming and it’s going to hit every area containing data that can be digitalized; so, the best defensive strategy is indeed to attack, by accepting change and being well prepared.
Thanks to Georgios for having contributed valuable insight on the topic of Artificial Intelligence. We feel that he’s soon going to be generously imparting his wisdom again.
**RELATED POST**
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### Clients are Too Important to be Delegated to Algorithms
[](https://www.objectway.com/clients-are-too-important-to-be-delegated-to-algorithms/?lang=en)
The Fintech Times
### Why the CPO at Objectway Thinks Clients are Too Important to be Delegated to Algorithms
[](https://thefintechtimes.com/chief-product-officer-ebo/)
**Categories:** #ArtificialIntelligence, #Automation, #Digitalisation, Artificial Intelligence
---
### [Millennial, startup, intelligenza artificiale: il CEO risponde](https://objectway.com/millennial-startup-intelligenza-artificiale-il-ceo-risponde/)
**Published:** June 20, 2019
**Author:** Silvia Boccuzzi
**Excerpt:** Il nostro CEO, Luigi Marciano, è stato protagonista di una delle tavole rotonde durante Digital Investment Management, il convegno di The Innovation Group, nello spiegare come evolve il Wealth Management sotto la spinta del digitale e a che punto sia l’Italia nella digitalizzazione del Wealth Management.
**Content:**
[  ](/owintalk/market-trends/)
###### JUNE 20, 2019
# Millennial, Startup, Intelligenza Artificiale: il CEO Risponde
By Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#CeoTalk](/owintalk/ceo-talk/)[\#DigitalChange](/owintalk/digitalchange/)[\#Digitalisation](/owintalk/digitalisation/)[\#ArtificialIntelligence](/owintalk/artificial-intelligence/)
Digitalizzazione, millennial, tecnologie, piattaforme, cambiamento: Sono state davvero tante le tematiche emerse durante [Digital Investment Management](https://www.theinnovationgroup.it/events/digital-investment-management/?lang=it "Digital Investment Management"), il convegno di The Innovation Group tenutosi presso il Chateau Monfort di Milano e dedicato ai cambiamenti portati dalla digitalizzazione nel Wealth Management.
Il nostro CEO, Luigi Marciano, è stato protagonista di una delle tavole rotonde, nello spiegare [come evolve il Wealth Management sotto la spinta del digitale](https://www2.objectway.com/owintalk/luigi-marciano-come-evolve-il-wealth-management-spinto-dal-digitale/ "Come evolve il Wealth Management sotto la spinta del digitale") e [a che punto sia l’Italia nella digitalizzazione del Wealth Management](https://www2.objectway.com/owintalk/a-che-punto-e-litalia-della-digitalizzazione-nel-wealth-management/)
Altre domande riguardavano l’opportunità di usare l’intelligenza artificiale nel wealth management, la pericolosità di startup e aziende disruptive per le realtà consolidate e il passaggio generazionale che vede i millennial prendere il posto delle vecchie generazioni nel pianificare il proprio risparmio. Ecco, qui sotto, come ha visto ciascun argomento il nostro CEO.
Le risposte di Luigi Marciano
L’intelligenza artificiale è disponibile, quindi bisogna adottarla. Per esempio si è parlato tantissimo di segmentazione, un problema sicuramente molto importante per poter dare un modello di servizio che sta trovando grande interesse e consente di fare customization, anzi, robocustomization sia a livello private sia a livello advisory sia a livello massa.
Interessante la possibilità di segmentare implicitamente oltre che esplicitamente. Nella giornata si è parlato di segmentazione esplicita: io prendo clienti e decido come segmentarli; la segmentazione implicita, invece, consiste nel raccogliere tutti i big data disponibili sul comportamento del cliente e, utilizzando un algoritmo di intelligenza artificiale, farsi suggerire una clusterizzazione dal sistema per ottenere segmentazioni già pronte.
Naturalmente per utilizzare questa tecnologia occorre comunque una evoluzione; bisogna portare nella piattaforma i dati e farci lavorare i clienti. Ci vuole un po’ di coraggio e anche l’approccio di chi fa quello che sa fare meglio. Chi fa tecnologia fornisce la piattaforma, chi fa private banking gestisce i clienti e così via.
STARTUP E DISRUPTOR
L’altro spunto che mi veniva era la preoccupazione verso le startup e i disruptor.
Quelli che nel nostro mercato riusciranno a combinare la conoscenza del mercato e la capacità di innovazione, possono avere successo nei modelli di business molto semplici, tipo i sistemi di pagamento; ma nel mondo dei servizi di investimento, dove comunque la relazione è importante, dove c’è una complessità anche a livello di prodotti, ci vorrà molto prima che riescano a raggiungere risultati importanti.
Le startup non sono una opzione, se non per qualche banca molto grande che può permettersele.
ARRIVANO I MILLENNIAL
Un professionista che stimo molto mi ha dato un suggerimento. Mi ha detto: guarda, devi fare il manuale delle regole… il modo di gestire il passaggio generazionale è far fare a clienti, imprenditori e clienti private il manuale delle regole, in cui è anche scritto a quale private banker si deve rivolgere, e a questo punto il problema è risolto!
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### Figure e risorse che servono per l’intelligenza artificiale nel Wealth Management
[](/owintalk/figure-e-risorse-che-servono-per-lintelligenza-artificiale-nel-wealth-management/)
**Categories:** #ArtificialIntelligence, #CeoTalk, #DigitalChange, #Digitalisation, Market Trends
---
### [A che punto è l’Italia della digitalizzazione nel Wealth Management](https://objectway.com/a-che-punto-e-litalia-della-digitalizzazione-nel-wealth-management/)
**Published:** June 13, 2019
**Author:** Silvia Boccuzzi
**Excerpt:** Il nostro CEO e fondatore ha preso a parte una delle tavole rotonde di Digital Investment Management, convegno organizzato al Chateau Monfort di Milano da The Innovation Group per parlare dei cambiamenti portati dalla digitalizzazione nel Wealth Management.
**Content:**
[  ](/owintalk/digital-transformation/)
###### JUNE 13, 2019
# A che punto è l’Italia della digitalizzazione nel Wealth Management
By Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#ArtificialIntelligence](/owintalk/artificial-intelligence)
Il nostro CEO e fondatore ha preso a parte una delle tavole rotonde di Digital Investment Management, convegno organizzato al Chateau Monfort di Milano da The Innovation Group per parlare dei cambiamenti portati dalla digitalizzazione nel Wealth Management.
A moderare la tavola rotonda Il Wealth Management come leva di crescita per le banche e come il digitale lo sta cambiando è stato Francesco D’Arco, direttore editoriale di Advisor, che ha interrogato Luigi:
*I produttori parlano spessissimo di roboadvisor; poi, in realtà, ormai è assodato che in Italia non esistono. Facciamo altre cose, diciamo piattaforme di consulenza tecnologicamente evolute per consulenti. Ti chiedo da osservatore e da attore del mercato qual è la realtà in Italia a che punto si trova il Paese dal punto di vista della digitalizzazione.*
LA RISPOSTA DI LUIGI MARCIANO
Ricollegandomi a una presentazione dove si parlava di utilizzi di artificial intelligence, ritengo che il problema non sia quello degli strumenti. L’artificial intelligence è la frontiera del digitale, la parte più avanzata delle tecnologie digitali. Quindi la tecnologia per applicare il digitale in tutte le fasi, sia del wealth management che dell’asset management, esiste e molti operatori la stanno adottando.
Alcuni nostri clienti hanno per esempio completamente digitalizzato il *customer journey*, eliminando il problema della carta; altri sono più focalizzati a utilizzare la tecnologia per la costruzione di portafogli modello; altri ancora sono maggiormente concentrati, per esempio, sull’automazione delle proposte di investimento mediante l’applicazione della MiFID ex ante, in modo da disporre di proposte di investimento adeguate su grande scala. In tutti questi contesti si applicano tecnologie digitali di automazione, di robotizzazione, e successivamente anche strumenti di machine learning, più avanzati, che supportano l’uomo e potenziano quello che gli è possibile fare con le sue capacità.
L’altra differenza importante, guardando anche al mercato estero, è come queste tecnologie digitali vengono adottate, sostanzialmente come si decide di diventare Fintech.
PER LA DIGITALIZZAZIONE, MEGLIO COMPONENTI O PIATTAFORMA?
Alcuni clienti ci scelgono come fornitori di software, componenti che devono essere integrati nei loro sistemi e questo innesca dinamiche e tempi di adozione, tipicamente un po’ più lunghi. Altri invece utilizzano le nostre platform. Devo dire che questa tendenza è molto più marcata con i clienti stranieri.
Il senso dell’utilizzo in termini di platform è evidente: se si desidera una digitalizzazione avanzata, applicando strumenti di intelligenza artificiale ad attività di big data, bisogna disporre di una piattaforma in grado di raccogliere queste informazioni in modo che possano essere utilizzati da appositi algoritmi.
Se questi dati sono sparsi in sistemi di Back-Office obsoleti, anche il migliore strumento è inapplicabile. Si sa di disporre di una miniera d’oro ma è difficile accedere al filone; occorre rendere più accessibile il filone, per estrarne il valore .
IL SENSO DI UN’OFFERTA PLATFORM
Questo riesce più facile a grandi operatori internazionali dell’asset management che hanno già le loro piattaforme, su cui naturalmente investono.
Ma ci sono anche nostri clienti che ci affidano sostanzialmente un’area del loro business sotto forma di platform che si integra con i sistemi informativi già esistenti.
I clienti a quel punto beneficiano in tempi abbastanza brevi di tecnologia completa, integrata e disponibile, che consente di supportare sia la gestione del cliente sia l’attività dell’advisor, tramite l’ottimizzazione del portafoglio e altre funzioni che consentono di gestire in modo integrato il ciclo di vita degli investimenti e della ricchezza sul patrimonio del cliente.
Con riferimento a questa stessa tematica, Luigi è intervenuto anche sull’[evoluzione del Wealth Management sotto la spinta del digitale](https://www2.objectway.com/owintalk/?p=172 "Come evolve il Wealth Management sotto la spinta del digitale"), a cui rimandiamo per ulteriori approfondimenti.
**RELATED POST**
Digital Transformation
### Luigi Marciano: Come Evolve il Wealth Management Spinto dal Digitale
[](/owintalk/luigi-marciano-come-evolve-il-wealth-management-spinto-dal-digitale/)
**Categories:** #ArtificialIntelligence, Digital Transformation
---
### [Luigi Marciano: come evolve il Wealth Management spinto dal digitale](https://objectway.com/luigi-marciano-come-evolve-il-wealth-management-spinto-dal-digitale/)
**Published:** June 10, 2019
**Author:** Silvia Boccuzzi
**Excerpt:** Abbiamo avuto l’opportunità di sentire il nostro CEO Luigi Marciano parlare a ruota libera durante una delle tavole rotonde di Digital Investment Management, l’evento indetto da The Innovation Group presso il Chateau Monfort di Milano per fare il punto sui cambiamenti che il digitale induce nel Wealth Management inteso come leva di crescita per le banche.
**Content:**
[  ](/owintalk/digital-transformation/)
###### JUNE 10, 2019
# Luigi Marciano: Come Evolve il Wealth Management Spinto dal Digitale
[Luigi Marciano](https://www.linkedin.com/in/luigi-marciano-66b9538/)
Chairman & CEO Group
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#CeoTalk](/ceo-talk/)[\#DigitalChange](/digitalchange/)[\#Digitalisation](/digitalisation/)[\#Automation](/owintalk/automation)[\#DigitalAdvisory](/owintalk/digital-advisory)
Abbiamo avuto l’opportunità di ascoltare il nostro CEO Luigi Marciano durante una delle tavole rotonde di Digital Investment Management, l’evento indetto da The Innovation Group presso il Chateau Monfort di Milano per fare il punto sui cambiamenti che il digitale induce nel Wealth Management inteso come leva di crescita per le banche.
L’abbiamo sfruttata.
La topic discussion era Il Wealth Management come leva di crescita per le banche e come il digitale lo sta cambiando. Francesco D’Arco, direttore editoriale di Advisor ha rivolto a Luigi il seguente commento:
*Spesso in ambito Fintech si sentono proporre soluzioni-ombrello che dovrebbero risolvere ogni problema, senza che si compia il passo successivo e si spieghi con qualche dettaglio anche il come. In particolare, è difficile capire in che modo l’innovazione o quello che viene inteso come Fintech sia l’ombrello per gestire un clima non proprio semplice come quello attuale.*
LA RISPOSTA DI LUIGI MARCIANO
Dal nostro punto di vista, dal nostro osservatorio, concordo con diverse osservazioni dei precedenti relatori; sicuramente ci troviamo in una fase di evoluzione.
Lo vediamo molto chiaramente perché osserviamo come i nostri clienti, appunto, fanno evolvere i loro sistemi e ci richiedono di intervenire a livello di tecnologia per fare fronte a tutta una serie di esigenze che comprendono, lato asset management, il robotizzare numerose attività effettuate sui portafogli per renderle più efficaci e quindi ridurre i costi di gestione di portafogli anche personalizzati con prodotti magari sofisticati, migliorando anche il time to market, ovvero la reattività e il servizio ai clienti.
Avendo connessioni digitali molto efficaci tra sviluppo e distribuzione, possiamo inoltre ridurre anche l’impatto della complessità dello scambio delle informazioni.
Mentre invece, più sul lato della gestione del cliente e del supporto all’advisor nella gestione suddetta, la cosa che vediamo è l’evolvere dei modelli e di conseguenza delle piattaforme che li supportano. Questo conduce all’offerta di tipologie di consulenza che prima non erano digitalizzate e che possono aggiungere valore complessivo al servizio che si dà al cliente, nonché al lavoro sul supporto all’advisor, per consentirgli di interagire con una base informativa molto più ampia e molto più completa nei confronti dei propri clienti.
Non è stata l’unica analisi sentita da Luigi durante Digital Investment Management. Qui quella riguardante [lo stato della digitalizzazione nel Wealth Management in Italia](https://www2.objectway.com/owintalk/?p=170).
**RELATED POST**
Digital Tranformation
### A che punto è l’Italia della digitalizzazione nel Wealth Management
[](/owintalk/a-che-punto-e-litalia-della-digitalizzazione-nel-wealth-management/)
**Categories:** #Automation, #CeoTalk, #DigitalAdvisory, #DigitalChange, #Digitalisation, Digital Transformation
---
### [La digitalizzazione è un percorso meditato e graduale](https://objectway.com/la-digitalizzazione-e-un-percorso-meditato-e-graduale/)
**Published:** June 4, 2019
**Author:** Silvia Boccuzzi
**Excerpt:** La digitalizzazione non è premere un pulsante, bensì un cammino lungo il quale una buona piattaforma deve sapere accompagnare il cliente. Ecco come Georgios ha riassunto il nostro modo di lavorare e di ottenere la soddisfazione del cliente.
**Content:**
[  ](/owintalk/digital-transformation/)
###### JUNE 4, 2019
# La Digitalizzazione è un Percorso Meditato e Graduale
By Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#DigitalChange](/owintalk/digitalchange/)[\#Digitalisation](/owintalk/digitalisation/)[\#Microservices](/owintalk/microservices)[\#DigitalCollaboration](/owintalk/digital-collaboration)
La digitalizzazione non è premere un pulsante, bensì un cammino lungo il quale una buona piattaforma deve sapere accompagnare il cliente. Ecco come Georgios ha riassunto il modo di lavorare per ottenere la soddisfazione del cliente.
INTRAPRENDERE UN PERCORSO DIGITALE
I clienti hanno diverse esigenze e vogliono implementare quello che è prioritario nei loro piani di business. Per esempio possono chiedere di migliorare la relazione che hanno con gli investitori e di dare applicazioni mobile ai loro clienti, oppure di permettere ai consulenti di operare in mobilità e di firmare digitalmente i contratti.
Queste richieste si implementano utilizzando l’architettura a componenti e a microservizi e applicando processi *agili* di consegna incrementale, organizzando i progetti in più fasi, per poi seguire da vicino l’implementazione di successo di ciascuna fase.
LA DIGITALIZZAZIONE SI FA PER GRADI
Il percorso di digitalizzazione comprende tanti passi e nulla avviene in un giorno. È anche graduale; tipicamente si parte dal migliorare le possibilità di comunicazione, rifacendo il portale web e dotando i clienti di applicazioni mobile di ultima generazione, con vera interattività, nonché aggiungendo fonti informative multimediali come ricerche, video e news per dare maggiore valore aggiunto alla clientela.
Da qui si passa alla digitalizzazione dei contratti, alla firma elettronica avanzata e, successivamente, si può giungere a servizi di consulenza supportati dalla piattaforma digitale, fino ad arrivare alla collaborazione digitale da remoto con possibilità di chat, scambio di documenti, messaggi sicuri e video registrato secondo la normativa MiFID.
**RELATED POST**
Digital Transformation
### Digital Wealth Management: Automation and Cost Reduction to Create Value
[](/owintalk/digital-wealth-management-automation-and-cost-reduction-to-create-value/)
**Categories:** #DigitalChange, #DigitalCollaboration, #Digitalisation, #Microservices, Digital Transformation
---
### [Figure e risorse che servono per l’intelligenza artificiale nel Wealth Management](https://objectway.com/figure-e-risorse-che-servono-per-lintelligenza-artificiale-nel-wealth-management/)
**Published:** May 20, 2019
**Author:** Silvia Boccuzzi
**Excerpt:** Abbiamo incontrato Nicola durante Ital-IA, il primo Convegno Nazionale del Laboratorio Artificial Intelligence and Intelligent Systems del Consorzio Interuniversitario Nazionale per l’Informatica e gli abbiamo già chiesto di contestualizzare l’intelligenza artificiale nell’ambito del Wealth Management nonché di togliere ogni dubbio sulla natura del machine learning.
**Content:**
[  ](/owintalk/augmented-intelligence/)
###### MAY 20, 2019
# Figure e risorse che servono per l’intelligenza artificiale nel Wealth Management
By Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#ArtificialIntelligence](/owintalk/Artificial-Intelligence)[\#Digitalisation](/owintalk/Digitalisation)[\#DigitalChange](/owintalk/digitalchange)[\#Automation](/owintalk/automation)
Abbiamo incontrato Nicola Gatti durante [Ital-IA](http://www.ital-ia.it/), il primo Convegno Nazionale del Laboratorio Artificial Intelligence and Intelligent Systems del Consorzio Interuniversitario Nazionale per l’Informatica, organizzato a Roma in collaborazione con Confindustria presso il Centro Congressi Auditorium della Tecnica, e gli abbiamo già chiesto di contestualizzare l’intelligenza artificiale nell’ambito del Wealth Management nonché di togliere ogni dubbio sulla natura del [machine learning](https://www2.objectway.com/owintalk/machine-learning-imparando-si-impara/).
Intelligenza aziendale o di mercato?
La domanda di oggi riguarda le risorse che un’azienda deve attendersi di allocare quando serve intelligenza artificiale: che figure professionali servono? Ed è necessario sviluppare competenze interne, oppure si può ricorrere al lavoro già fatto e alle risorse di elaborazione dei soggetti leader nel campo, come Google?
Ecco la risposta di Nicola.
*In azienda servono tipicamente due figure: informatici laureati in ingeneria informatica o in scienze dell’informazione, oppure matematici ma con forte esperienza informatica, ogniqualvolta si tratti di usare tecniche che sono off the shelf o quasi off the shelf, sostanzialmente consolidate o di uso comune nella community dell’intelligenza artificiale.*
*Succede che le attività da eseguire non ricadano nelle categorie suddette. Se l’attività da svolgere è diversa da NLP, natural language processing (chatbot, elaborazione di testi, estrazione di testi eccetera), oppure dalla computer vision (per esempio image recognition, riconoscimento di immagini), di norma off the shelf non c’è niente.*
L’intelligenza artificiale è ancora terreno di ricerca
*Vuol dire che bisogna ricorrere a soluzioni più elaborate a partire dall’interno dell’azienda: creare un make, ossia un embrione ragionevolmente esauriente del progetto, e poi reperire l’esperienza necessaria in università o presso un centro di ricerca. L’alternativa è disporre in azienda di persone che abbiano svolto ricerca in passato, perché oggi sviluppare applicazioni fuori dagli ambiti dell’elaborazione del linguaggio e delle immagini significa essenzialmente fare ricerca.*
*Questa considerazione crea le premesse per l’osservazione successiva: tipicamente i grandi soggetti del cloud offrono applicazioni off the shelf attorno alle categorie già menzionate. Un’azienda che, per esempio, voglia elaborare soluzioni di trading o di pricing, non va da Google o Microsoft e invece si attrezza più o meno autonomamente.*
**RELATED POST**
Augmented Intelligence
### Machine learning: imparando si impara
[](/owintalk/machine-learning-imparando-si-impara/)
Objectway
### Technology Constant Innovation
[](https://www.objectway.com/technology/?lang=en)
**Categories:** #ArtificialIntelligence, #Automation, #DigitalChange, #Digitalisation, Artificial Intelligence
---
### [Machine learning: imparando si impara](https://objectway.com/machine-learning-imparando-si-impara/)
**Published:** May 15, 2019
**Author:** Silvia Boccuzzi
**Excerpt:** Prima l'imperativo era big data, ora sembra essere machine learning. Quali sono le cose più semplici che dobbiamo sapere a questo riguardo?
**Content:**
[  ](/owintalk/augmented-intelligence/)
###### MAY 15, 2019
# Machine learning: imparando si impara
By Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#ArtificialIntelligence](/owintalk/Artificial-Intelligence)[\#Digitalisation](/owintalk/Digitalisation)[\#DigitalChange](/owintalk/digitalchange)[\#Automation](/owintalk/automation)
> Prima l’imperativo era *big data*, ora sembra essere *machine learning*. Quali sono le cose più semplici che dobbiamo sapere a questo riguardo?
Machine Learning 101
Il machine learning è una branca dell’intelligenza artificiale e, per sua definizione, è un’area in cui non conosci qualcosa e lo vuoi apprendere. Questo permette di poter utilizzare questo tipo di tecniche in tantissimi scenari pratici dove, di fatto, non conosciamo veramente il modello delle informazioni con cui lavoriamo.
Così si parte con uno strumento formale, un modello matematico generico che possa richiamare quello che vogliamo arrivare a conoscere, sul quale cominciamo a ragionare. È un procedimento paradossale, dove arriviamo a conoscere un modello informativo anche se non lo conosciamo, attraverso il lavoro su un altro modello che trattiamo come fosse quello vero, anche se non lo è.
Servirà anche se non lo sapevi
Il machine learning diventa lo strumento che ti abilita all’utilizzo di tutto quello che ti può servire a posteriori, quello che ti permette di apprendere qualcosa e poi elaborare in base a ciò che abbiamo appreso. Chi eccelle in questa disciplina padroneggia tecniche che consentono, appunto, di ottenere risultati che richiederebbero milioni di dati anche dove di dati ce ne sono molti meno.
A fare la differenza nel machine learning sono proprio queste tecniche, come il deep learning o l’online learning (niente a che vedere con il web), che non vuol dire web vuol dire che ogni volta che hai un dato ragioni su che ti permette di usare queste tecniche anche quando di dati ne hai pochi, anche quando il deep learning non si potrebbe applicare.
Ricavare dai dati più informazioni di quante ne siano immediatamente visibili può fare una grande differenza nel successo di una gestione patrimoniale. Per questo in Objectway il machine learning è un’esperienza già concreta, che trova e troverà sempre più applicazione nello sviluppo di prodotti.
**RELATED POST**
Augmented Intelligence
### Figure e risorse che servono per l’intelligenza artificiale nel Wealth Management
[](/owintalk/figure-e-risorse-che-servono-per-lintelligenza-artificiale-nel-wealth-management/)
Objectway
### Technology Constant Innovation
[](https://www.objectway.com/technology/?lang=en)
Objectway
### Digital Investment Advisory
[](https://www.objectway.com/digital-investment-advisory/?lang=it)
**Categories:** #ArtificialIntelligence, #Automation, #DigitalChange, #Digitalisation, Artificial Intelligence
---
### [Per l’azienda è sempre intelligenza, sia trasformativa o strumentale](https://objectway.com/per-lazienda-e-sempre-intelligenza-sia-trasformativa-o-strumentale/)
**Published:** April 29, 2019
**Author:** Silvia Boccuzzi
**Excerpt:** Una riflessione dopo aver partecipato al primo convegno nazionale Ital-IA organizzato a Roma del Laboratorio Artificial Intelligence and Intelligent Systems del Consorzio Interuniversitario Nazionale per l’Informatica. Serve una trasformazione aziendale per avere benefici reali dall’intelligenza artificiale (IA) o è solo uno strumento in più da mettere a disposizione dell’IT?
**Content:**
[  ](/owintalk/augmented-intelligence/)
###### APRIL 29, 2019
# Per l’azienda è sempre intelligenza, sia trasformativa o strumentale
[Georgios Lekkas](https://www.linkedin.com/in/glekkas/)
Innovation Director
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#ArtificialIntelligence](/owintalk/Artificial-Intelligence)[\#Digitalisation](/owintalk/Digitalisation)[\#DigitalChange](/owintalk/digitalchange)[\#Automation](/owintalk/automation)
*Una riflessione dopo aver partecipato al primo convegno nazionale [Ital-IA](http://www.ital-ia.it/) organizzato a Roma del Laboratorio Artificial Intelligence and Intelligent Systems del Consorzio Interuniversitario Nazionale per l’Informatica, in collaborazione con Confindustria, presso il Centro Congressi Auditorium della Tecnica.*
*Serve una trasformazione aziendale per avere benefici reali dall’intelligenza artificiale (IA) o è solo uno strumento in più da mettere a disposizione dell’IT?*
Entrambe le situazioni sono possibili. Secondo Clayton Christensen e il suo [Innovator’s Dilemma](https://claytonchristensen.com/books/the-innovators-dilemma/), le innovazioni possono offrire sostegno e continuità con i modelli di business e processi esistenti, oppure rappresentare un momento di rottura e discontinuità.
Nel primo caso gli algoritmi di IA si usano per migliorare processi esistenti e l’IA può essere uno strumento a disposizione dell’IT. Un esempio in questa categoria è il riconoscimento automatico di immagini, che si può usare per evitare la fase di esame e inserimento manuale dei dati prima effettuata dal personale dell’azienda. In questi casi i dipartimenti IT e l’organizzazione dell’azienda hanno le competenze per analizzare i processi e individuare possibilità di risparmio e miglioramento. L’IA può dare un supporto affidabile perché, in aree quali il riconoscimento delle immagini, lo stato dell’arte supera di molto le capacità degli operatori umani.
INTELLIGENZA ARTIFICIALE, PIÙ CHE UNO STRUMENTO
Quando si usano strumenti IA per cercare di migliorare la customer experience sperimentata dal cliente, bisogna però stare attenti; l’IA non può essere solo uno strumento impiegato dall’IT. Ad esempio l’elaborazione del linguaggio naturale (NLP, Natural Language Processing) può essere usata per costruire un chatbot che dialoga con i clienti e abbassa i costi di servizio di un intermediario finanziario.
A quale tipo di domande sarà chiamato a rispondere? La qualità dei risultati sarà tale da non compromettere l’immagine presso la clientela e la relazione con essa? Si implementerà un servizio ibrido, secondo cui ad un certo momento del dialogo l’IA passerà il testimone ad un agente umano per gestire il dialogo? Questo tipo di iniziativa avrà un impatto organizzativo maggiore.
ACCELERARE IL FATTURATO CON L’INTELLIGENZA ARTIFICIALE
Infine, l’IA può creare nuovi modelli di business e nuove fonti di ricavi. Già nel 2017 Netflix ha dichiarato che l’80 percento del contenuto visto sulla loro piattaforma origina dalle loro raccomandazioni algoritmiche. Questo tipo di innovazione è possibile solo se viene guidata dal business.
Per erogare una nuova offerta basata sull’IA, oltre ai data scientist e i data engineer che perfezionano gli algoritmi e curano il sistema dal punto di vista tecnico, servono persone di business distaccate a supporto di questo nuovo servizio. E serve la visione di management per creare nuovi tipi di offerte digitali, magari trasformando profondamente l’azienda che offre al mercato dati e servizi in precedenza non previsti.
UNA TRASFORMAZIONE, PRIMA O POI
Quindi complessivamente si può dire che l’IA può iniziare il suo impiego come uno strumento IT che dà risultati incrementali sui processi esistenti, ma nel seguito serviranno un coinvolgimento crescente del business ed una trasformazione dell’azienda sulle linee della nuova offerta di servizi resi possibili dall’IA.
**RELATED POST**
Augmented Intelligence
### Figure e risorse che servono per l’intelligenza artificiale nel Wealth Management
[](/owintalk/figure-e-risorse-che-servono-per-lintelligenza-artificiale-nel-wealth-management/)
Objectway
### Technology Constant Innovation
[](https://www.objectway.com/technology/?lang=en)
Objectway
### Digital Investment Advisory
[](https://www.objectway.com/digital-investment-advisory/?lang=it)
**Categories:** #ArtificialIntelligence, #Automation, #DigitalChange, #Digitalisation, Artificial Intelligence
---
### [Stay Ahead of the Game when Doing Digital in Wealth Management](https://objectway.com/stay-ahead-of-the-game-when-doing-digital-in-wealth-management/)
**Published:** April 9, 2019
**Author:** Silvia Boccuzzi
**Excerpt:** We had a great time at WealthTech 2019, thanks also to Alberto Cuccu, CEO of Objectway Limited who considered the dilemmas that most firms face today when confronted with the digital challenge: a good way to start the conference on The Truth About Digital.
**Content:**
[  ](/owintalk/market-trends/)
###### APRIL 9, 2019
# Stay Ahead of the Game When Doing Digital in Wealth Management
By Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#DigitalChange](/owintalk/digitalchange/)[\#Digitalisation](/owintalk/digitalisation/)[\#ArtificialIntelligence](/owintalk/artificial-intelligence/)
There isn’t a week that goes by without a conference organised somewhere. Still, there’s something special about ComPeer [WealthTech](http://compeer.co.uk/event/wealthtech-2019/). The people, the networking, the atmosphere, everything brought together to make up a great chance to meet and learn from the major exponents of the wealth management industry.
We had a great time at WealthTech 2019, thanks also to Alberto Cuccu, CEO of Objectway Limited, who was the Master of Ceremonies during the afternoon.
A Game of Opposites
The introduction given by Alberto considered the dilemmas that most firms face today when confronted with the digital challenge: a good way to start the conference on *The Truth About Digital* (Breaking: no one gets it, as of today). Does digital mean disruption, or opportunity for growing your business? Is artificial intelligence a threat to companies and individual jobs or an unexpected companion to make the customer journey as enjoyable as ever before?
Whatever your opinion is, it’s rather obvious that the digital transformation topic can be relevant in so many ways to a wealth management firm today, but never ignored. Maybe the winning approach is cautious and hybrid, with a partial digitalisation or someone may decide to go all-in, taking a greater risk and all opportunities..
Stay Ahead of the Game
One thing is for certain, though, when you advance your digital strategy, you have to embrace change and stay ahead of the game. Nothing is worse than trying to innovate and doing it with outdated or obsoleted tools, technologies or systems. Digital thrives when it can exploit the continuous progress made in the technology and there are precise steps for a firm to take to get the true benefit of such transformation.
Alberto said these things much better and in fact he entertained the audience in the most convincing and enlightening way, but the facts remain: the lesson for the day is to stay ahead of the game
Thanks to Alberto, thanks to ComPeer and see you next WealthTech!
**RELATED POST**
Market Trends
### Top 2021 Wealth MGMT Trends. What’s actually changing?
[](/owintalk/top-2021-wealth-management-trends-whats-actually-changing/)
Market Trends
### Challenges and Chances for Wealth Managers to Thrive in 2021
[](/owintalk/challenges-and-chances-for-wealth-managers-to-thrive-in-2021/)
**Categories:** #ArtificialIntelligence, #DigitalChange, #Digitalisation, Market Trends
---
### [Brace for Holistic Advice (and Please, Trash That Outdated Technology)](https://objectway.com/brace-for-holistic-advice-and-please-trash-that-outdated-technology/)
**Published:** March 22, 2019
**Author:** Silvia Boccuzzi
**Excerpt:** Good news and several opportunities to discover in the recent report Integrate Advisor Supporting Technologies Into Digital Platforms to Accelerate Advisor Adoption (December 2018) by Gartner, two mentions for Objectway included.
**Content:**
[  ](/owintalk/advisory/)
###### MARCH 22, 2019
# Brace for Holistic Advice (and Please, Trash That Outdated Technology)
By Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#DigitalChange]("/owintalk/digitalchange)[\#HybridAdvisory]("/owintalk/hybrid-advisory)[\#PortfolioManagement](/owintalk/portfolio-management-h)[\#HyperPersonalisation](/owintalk/hyper-personalisation/)
Good news and several opportunities to discover in the recent report *Integrate Advisor Supporting Technologies Into Digital Platforms to Accelerate Advisor Adoption* (December 2018) by Gartner, two mentions for Objectway included.
The good news: many advisor-supporting technologies are those for which expenditures are due to grow. The opportunities come from a possible (and necessary) mind-shifting of advisors themselves. They know that fintech technology is making great strides; they know that such technology is valuable and can help them immensely; where attrition can be met, it is in its actual adoption.
Sometimes, technology in wealth firms is outdated or obsolete at all; sometimes, it fails to provide a better experience to clients well before than to advisors. There are risks in scaling technology and maybe some resistance to change.
Holistic, Best-of-Breed
It turns out that the (quite close) future of advice is becoming able to give holistic advice, supported by best-of-breed technology, deeply integrated so that the advisor can seamlessly manage the client’s asset and build a productive and satisfying relationship.
Did you know that the medium advisor spends about one hour in a year in meeting face-to-face with every client? It’s clear that technology has a great potential of enabling contacts and creating more chances of dialogue, even if through a network, saving time and cost in the meantime.
Portfolio Management, Robo-Advisory
The Gartner report lists a number of technologies that are rapidly evolving, can effectively support the advisor, and require integration to deliver. We are very happy to appear in both the Portfolio Management and All-in-One Wealth Platforms categories as a representative vendor. We see this as going all the way to create a capable wealth management platform enabling holistic advice is one of our goals.
We believe in human touch and feel that the advisor will always be the best reference for a client looking for advice in managing his or her investments. Nonetheless, tomorrow the best advisor will be the one that masters a good support technology platform, without fears of using modern tools or embracing fintech progress.
Toworrow, almost literally.
**RELATED POST**
About Objectway
### Twelve Months of Recognition by Gartner
[](/owintalk/twelve-months-of-recognition-by-gartner/)
**Categories:** #DigitalChange, #HybridAdvisory, #HyperPersonalisation, #PortfolioManagement, Advisory
---
### [Gartner, Digital Empathy and Client-Facing Technology](https://objectway.com/gartner-digital-empathy-and-client-facing-technology/)
**Published:** March 13, 2019
**Author:** Silvia Boccuzzi
**Excerpt:** We’re quite glad to be mentioned by Gartner in their recent report Enhance the Collaboration Experience in Client-Facing Technology to Improve Digital Empathy (December 2018).
**Content:**
[  ](/owintalk/digital-transformation/)
###### MARCH 13, 2019
# Gartner, Digital Empathy and Client-Facing Technology
By Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#BackOffice](/back-office/)[\#Portfoliomanagement](/portfolio-management-h/)[\#FrontOffice](/front-office/)[\#ClientExperience](/clientexperience/)[\#DigitalCollaboration](/digital-collaboration/)
We’re quite glad to be mentioned by Gartner in their recent report *Enhance the Collaboration Experience in Client-Facing Technology to Improve Digital Empathy* (December 2018).
*Empathy* resonates well here with our attitude to provide a complete and compelling digital journey for the client in every solution we create. Because we never overlooked the opportunity to provide digital technology that helps both the client and the advisor.
COLLABORATION IS TEH KEY
According to Gartner, “When wealth firms progress toward digital transformation, they must concentrate on eliminating today’s pain points while positioning for tomorrow’s promise. One area of focus, and perhaps one of the most pressing from both a line-of-business requirement as well as a technology challenge, is the need to enhance collaboration features in today’s client-facing technologies while preparing to eventually integrate them into wider offerings of client-supporting tools.”
Various researches indeed show that clients of any net worth value, High Net Worth included, positively wish to be able to manage their investment and data by themselves, at a certain extent; they also want to interact with an advisor either physically and online; finally, they want to be able to collaborate online, especially with mobile devices.
No surprise that such a sentiment is stronger when talking to Generation Z and millennials; while baby boomers still prefer to arrange things by a phone call.
DIGITAL TO THE CORE
In this context, Gartner see us as a *core wealth-technology vendor*. Our mobile apps could be chosen by wealth firms willing to bring more digital empathy at the table, to follow the demand from clients and offer them self-management and collaboration tools in line with their expectations.
We will continue to develop innovative software solutions with the best technology and user experience, to help wealth management firms to successfully execute their digital transformation and take their services offering to the next level. Thanks to an improved digital empathy.
###### *Gartner does not endorse any vendor, product or service depicted in its research publications, and does not advise technology users to select only those vendors with the highest ratings or other designation. Gartner research publications consist of the opinions of Gartner’s research organization and should not be construed as statements of fact. Gartner disclaims all warranties, express or implied, with respect to this research, including any warranties of merchantability or fitness for a particular purpose.*
**RELATED POST**
About Objectway
### Twelve Months of Recognition by Gartner
[](/owintalk/twelve-months-of-recognition-by-gartner/)
Digital Transformation
### Stairway to Digital Heaven: When Transformation Crosses Platform
[](/owintalk/stairway-to-digital-heaven-when-transformation-crosses-platform/)
Digital Transformation
### A CIO’s Hunt for the Perfect Fintech Company
[](/owintalk/a-cios-hunt-for-the-perfect-fintech-company/)
**Categories:** #BackOffice, #ClientExperience, #DigitalCollaboration, #FrontOffice, #PortfolioManagement, Digital Transformation
---
### [Stairway to Digital Heaven: When Transformation Crosses Platform](https://objectway.com/stairway-to-digital-heaven-when-transformation-crosses-platform/)
**Published:** January 11, 2019
**Author:** Silvia Boccuzzi
**Excerpt:** We want to explain the different attitudes a company may have versus digital transformation, especially a bank. And why a digital banking platform may become a critical factor in this process.
**Content:**
[  ](/owintalk/digital-transformation/)
###### JANUARY 11, 2019
# Stairway to Digital Heaven: When Transformation Crosses Platform
By Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#DigitalChange](/digitalchange/)[\#Digitalisation](/digitalisation/)[\#ClientExperience](/clientexperience/)
We know well how digital is driving the whole business world towards a radical transformation; much less obvious is the fact that not all the businesses need to be such radical in their evolution. Today we want to explain the different attitudes a company may have versus digital transformation, especially a bank. And why a digital banking platform may become a critical factor in this process.
DIGITAL OPTIMIZATION
One may think that going digital means getting digital tools, configuring them and click a button. Well, not so. Digital is a cultural change other than technical and many factors impact on the digital evolution inside a bank, from who the decision makers are to how the company perceives and responds to change.
The burden of the responsibility is often on CIO’s shoulders, but in case of digital, other stakeholders may have a word to say, like the CEO, C-level executives, or specific department managers.
The stakeholders have to agree on the depth and breadth of the transformation, taking into account the bank culture, how is ready and willing to embrace digital, and the extent to which digital should be adopted. A bank may want to go digital only partially, or by leaps and bounds over time. And, must be aware of what it wants to achieve.
DIFFERENT STEPS, DIFFERENT MEANS
Such an analysis can bring a firm to pursue only part of the digital advantages, with reason. Some bank could opt to go digital only as far as it can optimize its cost structure, and nothing else, for instance, going for a simple multi-channel strategy to address the demands from customers.
Things get more interesting with the next step: digital to achieve the so-called digital transformation, an overhaul of processes and workflow that changes the way of working of the bank and the ecosystem surrounding it. This is the first step of going digital in which the adoption of a digital banking platform is necessary.
PICK YOUR DIGITAL BANKING PLATFORM
The August 2018 *Gartner Market Guide for Digital Banking Platforms* lists Objectway among 29 digital banking platforms providers.
A platform is needed to pursue the digital transformation goal and, if both internal culture and business strategy allow it, go for a completely digital business, in which every sign of legacy structure or process is forgotten and the bank shares an open architecture with an external ecosystem, free from technical constraints and able to connect with partners and clients in any conceivable way.
A LUNCH PLATFORM
Digital is an imperative today for banks; while a sensible approach may suggest going for a soft adoption of digital, or a partial one, the long term calls for a wholly digitally-run business. That moment, a good and scalable digital banking platform will be an imperative too, and the most experienced players will likely have a better time.
**Gartner Disclaimer**
###### Gartner does not endorse any vendor, product or service depicted in its research publications, and does not advise technology users to select only those vendors with the highest ratings or other designation. Gartner research publications consist of the opinions of Gartner’s research organization and should not be construed as statements of fact. Gartner disclaims all warranties, express or implied, with respect to this research, including any warranties of merchantability or fitness for a particular purpose.
**RELATED POST**
Digital Transformation
### Gartner, Digital Empathy and Client-Facing Technology
[](/owintalk/gartner-digital-empathy-and-client-facing-technology/)
Digital Transformation
### A CIO’s Hunt for the Perfect Fintech Company
[](/owintalk/a-cios-hunt-for-the-perfect-fintech-company/)
**Categories:** #ClientExperience, #DigitalChange, #Digitalisation, Digital Transformation
---
### [Conversational User Interfaces: A Brief History of UIs](https://objectway.com/conversational-user-interfaces-a-brief-history-of-uis/)
**Published:** November 6, 2018
**Author:** Silvia Boccuzzi
**Excerpt:** Three generations of user interfaces. In the beginning of UI technology, humans had to adapt to computers, while now we try to make computers adapt more and more to humans.
**Content:**
[  ](/owintalk/digital-transformation/)
###### NOVEMBER 6, 2018
# Conversational User Interfaces: A Brief History of UIs
[Georgios Lekkas](https://www.linkedin.com/in/glekkas/)
Innovation Director
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#ClientExperience](/owintalk/clientexperience/)[\#DigitalCollaboration](/owintalk/digital-collaboration)
The very first generation of user interfaces was based on character-based text: symbols entered in computer consoles, through punch card readers and teletype terminals. The DOS or UNIX command line was a technical evolution that did not change the fundamental concept of the user interface. Users had to have a good knowledge of the precise syntax to use and to execute any command. We’ll call this first generation UI, terminal-typing interface.
Today only a minority of computer specialists or the operators of legacy software, still use computer terminals. The dominant paradigm for human-machine interaction for the last 30 years has been that of graphical user interfaces (GUIs). GUIs used visual representations of objects resembling their real-world counterparts: files, programs and actions (drawer, floppy disk, scissors, etc.) GUIs took advantage of mental models people had already formed, and thus made it much easier for users to interact with machines.
USER EXPERIENCE
These second generation Graphical User Interfaces became gradually able to perform very complex tasks, that required users to manipulate many elements whose location and meaning was often not clear. In the mid 1990’s the field of User eXperience (UX) was created as an evolution of the Human-Computer Interaction discipline. UX aimed to make graphical user interfaces simpler, more intuitive and understandable.
Conversational Interfaces at work in smartphones.
In the same period starting from the 90’s, mobile devices with limited capabilities acquired texting capabilities, and short messages (SMS) could be used for example, to enable or disable services, know about the weather, etc. These services were beneficial since they were accessible on-the-go, but still required users to know the exact syntax of commands to execute. In this they resembled the 1st generation terminal-typing interfaces.
CONVERSATIONAL UIs
The third generation conversational user interfaces evolved from the established habits of billions of users messaging each other. These UIs started with computer systems exchanging text messages with their users. In this they resemble first generation UIs, but they do not require the user to know the exact commands.
> Definition: A Conversational Interface is a hybrid UI that interacts with users combining chat, voice or any other natural language interface with graphical UI elements like buttons, images, menus, videos, etc.
When humans interact with machines or other human agents, using natural language, systems prove more helpful and forgiving on user errors. They may make suggestions and understand nuances or special terms. They may carry on long, multi-threaded dialogues.
RECIPROCAL ADAPTATION
These characteristics are particularly appealing to humans, since language is a powerful, effective communication technology that evolved through thousands of years. We can observe how in the beginning of UI technology, humans had to adapt to computers, while now we try to make computers adapt more and more to humans.
The shift is from a pull-based model to a push-based model, where *things come to us*.
Conversation interaction can occur through text on mobile phones, but also through voice, smart TVs or any other devices.
These computer-based virtual assistants are called *Bots* and can be general-purpose assistants such as Amazon Alexa, Apple Siri, Microsoft Cortana, X.ai Amy, or built for specific tasks.
BOTS FOR FINTECH
In the [next installment](https://www2.objectway.com/owintalk/?p=393) of this series about bots, we’ll see because all such history is now having an effect in the world of digitalized Wealth Management. We started from afar, but we’ll be zeroing on pretty material details rather quickly.
**RELATED POST**
Digital Transformation
### Gartner, Digital Empathy and Client-Facing Technology
[](/owintalk/gartner-digital-empathy-and-client-facing-technology/)
Digital Tranformation
### Creating Authentic Value With Human Digital Wealth Management
[](/owintalk/creating-authentic-value-with-human-digital-wealth-management/)
Digital Transformation
### How Digital Experience Can Fit Your Brand
[](/owintalk/how-digital-experience-can-fit-your-brand/)
**Categories:** #ClientExperience, #DigitalCollaboration, Digital Transformation
---
### [Pillar After Pillar for a Pan-European Wealth Management](https://objectway.com/pillar-after-pillar-for-a-pan-european-wealth-management/)
**Published:** October 26, 2018
**Author:** Silvia Boccuzzi
**Excerpt:** In the quest to rapidly generate revenue Wealth Management firms require three “magical” pillars: Digital Contract Management (DCM), electronic IDentification Authentication and Signature (eIDAS) with qualified eSignature, and eIDAS with Public Digital Identity System (SPID).
**Content:**
[  ](/owintalk/digital-transformation/)
###### OCTOBER 26, 2018
# Pillar After Pillar for a Pan-European Wealth Management
By Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#ClientExperience](/owintalk/clientexperience/)
In the quest to rapidly generate revenue Wealth Management firms require three “magical” pillars that, together, simplify and accelerate operations for both firms and customers: [Digital Contract Management (DCM)](https://cloudia.com/what-you-need-to-know-about-digital-contract-management/ "DCM"), [electronic IDentification Authentication and Signature (eIDAS) with qualified eSignature](https://ec.europa.eu/digital-single-market/en/discover-eidas "eIDAS"), and [eIDAS with Public Digital Identity System (SPID)](https://www.agid.gov.it/en/platforms/spid "SPID").
PILLAR #1: DIGITAL CONTRACT MANAGEMENT
No competitive contract management activity can be carried on without digitalization today. The advisor badly needs to request less time to the prospect, and to reduce paperwork. A digital contract management system can do all the checking automatically, and clear unnecessary documentation requests, with the goal to complete onboarding in a single meeting.
PILLAR #2: ELECTRONIC IDENTICATION AUTHENTICATION AND SIGNATURE
A shorter path to onboarding is not enough, though. Signature has long been a critical phase of the process. Finally eIDAS came, as a regulation and set of standards for eSignatures and eTimestamp at European level. When eIDAS meets DCM, forms a complete digitalized path from the customer approaching the firm to the final act of onboarding.
PILLAR #3: PUBLIC DIGITAL IDENTITY SYSTEM
Paperwork, identification, and authentication: SPID is the third element in the digital transformation of the Wealth Management business. The system certifies that the client – the one that is electronically signing the document either in front of the advisor, or remotely – is *that* person, not an impersonation or a fake. And, thanks to recent European rulings, is poised to provide authentication at a continental level. As SPID certification is validated by from a trusted source, it works internationally. Today, only a handful of private organizations support it, but it’s already theoretically possible to use an Italian SPID to authenticate towards a British bank, just to make an example.
THE KEYSTONE
The three pillars of a pan-European and digitalized Wealth Management are a great promise… that is to be implemented to pay its dividends. It’s therefore necessary to create a platform to integrate and harmonize all these components, to make seamless and multichannel solutions that are actually deployable and effective in reducing costs and increasing performance for a Wealth Management firm.
All that to give the advisor the means to reach the client across every branch of its customer journey, for instance, facilitating communication and interaction through every conceivable channel (from an institution website to WhatsApp), regardless of the device.
**RELATED POST**
Digital Transformation
### Focusing On The Onboarding Process When Going Digital
[](/owintalk/focusing-on-the-onboarding-process-when-going-digital/)
**Categories:** #ClientExperience, Digital Transformation
---
### [IDD Compliant: To Protect and Serve](https://objectway.com/idd-compliant-to-protect-and-serve/)
**Published:** October 9, 2018
**Author:** Silvia Boccuzzi
**Excerpt:** The IDD directive regulates the distribution of both life and damage insurance products. We are glad to say that we made an effort to get our relevant products, for instance Sure and Advice, to be fully IDD compliant.
**Content:**
[  ](/owintalk/insurance/)
###### OCTOBER 9, 2018
# IDD Compliant: To Protect and Serve
[Michele Pennacchio](https://www.linkedin.com/in/michele-pennacchio-60612298/)
Senior Business Consultant
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Insurance](/insurance-h)[\#Idd](/idd)[\#ClientCommunication](/clientcommunication/)[\#Regtech](/regtech/)
The [IDD directive](https://eur-lex.europa.eu/legal-content/en/TXT/?uri=CELEX%3A32016L0097 "IDD Directive") regulates the distribution of both life and damage insurance products, for which the regulation indicates a set of ad hoc rules, in line with MiFID II. We are glad to say that we made an effort to get our relevant products, for instance [Sure](http://www.objectway.it/sure/ "Sure") and [Advice](http://www.objectway.it/advice/ "Advice"), to be fully IDD compliant.
IDD: A MATTER OF INTEREST
The compliance with the European directive focuses on the specific proposition of insurance instruments (traditional life, unit-linked, multi-brand) so that the clients’ need for investments of this kind is clear, as well as specific knowledge, experience, and belonging to the target market; on the basis of this information, the advisor can assess the adequacy and compliance of the product and communicate a precise disclosure to the insurance intermediary or to the insurance company.
The enforcement of the directive guarantees customers the same level of protection regardless of the channel through which they purchase an insurance product and ensures consistency between the product and the evolution of customer needs.
CLIENT’S COMPLETE PROFILATION
The enrichment of the profiling questionnaire of the advisory platform Advice with the addition of a new specific section, dedicated to insurance products, of ad hoc questions aimed at collecting information related to the customer’s interest in this kind of product, knowledge / experience of the product itself and related risks, guarantees a well-defined and complete profilation.
SUITABILITY EVALUATION
The introduction in the suitability risk engine SURE of appropriate control logics aimed at assessing the compatibility of the customer toward the product and the belonging to the target market defined by the manufacturer / distributor for it, ensures the execution of an evaluation of complete suitability on all kinds of policies; the evaluation is carried out both in the case of initial subscription, ensuring the inclusion in portfolio only and exclusively of products that meet parameters defined on the basis of the risk profile computed for the customer, both qualitative, consisting of the verification of specific knowledge, experiences and needs of the customer with respect to those required for holding the product and adherence of the same customer to the parameters defined in the Target Market of the Distributor, both quantitative, represented by the values of market risks, credit and liquidity calculated with different methodologies and by the concentration percentage of instruments on the total portfolio on the basis of their complexity class as defined by MiFID II.
All checks are carried out also in the case of subsequent transactions on instruments already present in the portfolio, thus guaranteeing the identification of any unreliability attributable to pre-normative transactions and preventing the expansion of exposure to products not in line with the risk profile of the client.
TO PROTECT AND SERVE
The interaction between the two systems ensures an assessment both qualitative and quantitative that, when integrated into the suitability verification process defined on the basis of the principles established by MiFID II, further strengthens the protection of investors and facilitates the advisor in defining the most suitable investment to offer to the customer.
**RELATED POST**
Objectway
### Life Insurance
[](https://www.objectway.com/life-insurance/)
**Categories:** #ClientCommunication, #Idd, #Insurance, #Regtech, Regulation
---
### [Let’s Have a Look at Your Portfolio Costs and Benefits](https://objectway.com/lets-have-a-look-at-your-portfolio-costs-and-benefits/)
**Published:** September 26, 2018
**Author:** Silvia Boccuzzi
**Excerpt:** We are always at work to implement new features in our solutions. One of the latest is the assessment of the costs and benefits of a portfolio, an activity made urgent by the need to point out in a timely manner that the benefits of an investment change are greater than the related costs.
**Content:**
[  ](/owintalk/performance-and-risk/)
###### SEPTEMBER 26, 2018
# Let’s Have a Look at Your Portfolio Costs and Benefits
By Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Mifid](/owintalk/mifid)
The indications and regulatory provisions in the financial field are constantly evolving, for instance as further specifications within the path traced by the MIFID II, now under consolidation.
As a consequence, we are always at work to implement new features in our solutions. One of the latest is the assessment of the costs and benefits of a portfolio, an activity made urgent by the need to point out in a timely manner that the benefits of an investment change are greater than the related costs.
Portfolio and Quantitative Analysis
This allows the introduction of a logic of quantitative analysis of costs within the adequacy process, to be considered in the limited scope of the portfolio rebalancing (*purchases + sales*) and with a view to a clear disclosure in terms of commission profile, although estimated *ex ante*.
By definition, this control is configured as a multistep control, in which the cost evaluation is the primary element of the comparison between the initial and final portfolios, possibly mitigated by the presence of configurable tolerance thresholds used by an internal engine that return the costs by category (recurring, one-off, incidental…).
Sometimes Less (Cost) Is More (Risk)
The next step, triggered if the final portfolio costs are higher than the initial ones, analyses the reasons and explains why, despite the proposed investment being higher it is still preferable (on the basis of specific parameters: risk and decorrelation of portfolio risk, concentration and recommendation of products etc.) and presents this to the client in a clear and concise manner.
Assessing cost and benefits of a portfolio is useful to stay compliant with MiFID II, sure, but is also one more way to provide the best service to the investor. This improves the client satisfaction and makes the advisor happier.
**RELATED POST**
Objectway
### RiskTech
[](https://www.objectway.com/risktech/)
**Categories:** #Mifid, Performance & Risk
---
### [Automation for the Bank. And for the Advisor](https://objectway.com/automation-for-the-bank-and-for-the-advisor/)
**Published:** September 4, 2018
**Author:** Silvia Boccuzzi
**Excerpt:** Automation is what we do bring to Wealth Management; mass automation, to be picky. We are happy to think that it can help lots of organizations to make personalized investment proposals, giving more opportunities to the advisors instead of disintermediating them.
**Content:**
[  ](/owintalk/advisory/)
###### SEPTEMBER 4, 2018
# Automation for the Bank. And for the Advisor
By Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Automation](/owintalk/automation)[\#Owin](/owintalk/owin)
Automation is not what brought us in record time to[ have a performing Robo Planning Demo Corner](https://www2.objectway.com/owintalk/?p=317) at [OWIN18 in Rome](https://www2.objectway.com/owintalk/?p=359).
However, automation is what we do bring to Wealth Management; mass automation, to be picky. We are happy to think that it can help lots of organizations to make personalized investment proposals, giving more opportunities to the advisors instead of disintermediating them.
THE RACE TO VOLUMES AND COMPLIANCE
You see, when a bank starts a campaign to acquire customers for its investment products, it tries to achieve the highest possible volume, provided that customising a product person by person is hard. Having more customisation can generate more value.
More, we live and work in the MiFID II era; banks must follow a myriad of legal constraints now and give to the customer a proposal strictly tailored on his/her risk profile, his/her ability to stand hypothetical financial losses, and many other elements.
AUTOMATION GOES FROM UNITS TO THOUSANDS, AND MORE
Thanks to all the work we showed at OWIN18, through Robo Planning a firm can now automatically generate a proposal tailored on the risk profile and personal characteristics of the customer; moreover, such proposal is automatically MiFID II compliant.
This is a boon for every wealth management organization as of today; such a level of customization has been always done, usually in a manual or semi-automatic way. Being able to delegate software to solve the issue is glorious.
But the real point is that Robo Planning has the power to customize investment proposals for a mass of customers. Thousands, tens of thousands, hundreds of thousands of them. A wealth management company can, perhaps for the first time, work to optimize the ratio between customization and number of proposals instead to accept a compromise, even if a reasonable one.
AND THE ADVISOR…
Does this tool allow a wealth management firm to reorganize its advisors department? Robo Planning is completely neutral about the issue. Advisors remains free to further bring to perfection a customized investment proposal, and can do a better work with their customers.
In a world where profits are shrinking, volumes of transactions are increasing and compliance requests grew beyond any expectance, we worked for a chance to give better services to customers, generate more value for a wealth management firm, augment the opportunities for advisors to offer their clients the most personal of financial services. A win-win-win situation that makes us proud of the work done as of today.
Our development of Robo Planning is still ongoing, though. Stay tuned for more.
**RELATED POST**
About Objectway
### Software at Objectway: Thinking 2020, Now
[](/owintalk/software-at-objectway-thinking-2020-now/)
About Objectway
### OWIN18: Taking Digital Humanism To The Core
[](/owintalk/owin18-taking-digital-humanism-to-the-core/)
**Categories:** #Automation, #Owin, Advisory
---
### [Software at Objectway: Thinking 2020, Now](https://objectway.com/software-at-objectway-thinking-2020-now/)
**Published:** April 30, 2018
**Author:** Silvia Boccuzzi
**Excerpt:** At OWIN 2018 in Rome, our CTO Lorenzo Pagnin talked about the direction of software development at Objectway, where work goes on today like it is 2020! Lorenzo spoke of the three factors moving technology ahead: new business, time-to-market delivery, and operational readiness.
**Content:**
[  ](/owintalk/about-objectway/)
###### APRIL 30, 2018
# Software at Objectway: Thinking 2020, Now
By Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#CustomerConference](/owintalk/customer-conference/)[\#Owin](/owintalk/owin)
At [OWIN 2018 in Rome](https://www2.objectway.com/owin/owin18/), we talked about the direction of software development at Objectway, where work goes on today like it is 2020!
We spoke of the three factors moving technology ahead: new business, time-to-market delivery, and operational readiness.
From the balance among these traction forces, the landscape of technologies used at Objectway comes out. The company is working along three main vectors (plus one).
- Vertical components, to follow specific needs for business innovation.
- Architectural baseline, to support innovation time-to-market.
- Operational readiness, to ensure robustness and performance on growing volumes of business.
- Plus, innovation bricks, to consolidate elements of innovation that are common to the different business innovations.
TRUST SOFTWARE, TRUST FUTURE
Our technology needs to be robust and, at the same time, ready to embrace innovation as well as guarantee to be operational ready. This has been our work during 2017, that meant the adoption of technologies in the form we detailed in the list above.
Our work in the last year bodes well for the future and made us rewrite an old IT tenet, that hope in the technological future sprang from trust in the past. Now we say **trust in the future is based on hope given by a robust present**.
TIME TO PLAN FOR TIME-TO-MARKET
One last take: during any technology paradigm jump, there’s a moment when time-to-market (for business and innovation) takes priority, even on consolidation, and opens opportunities to all players that want to catch them; however, later comes a time when you continue to innovate on time-to-market, but with a robust foundation underneath.
It’s what happened at the birth of the web, the arrival of Java, of Service Architecture, cloud, microservices and, today, it’s the same with innovation bricks like Blockchain or artificial intelligence. 2017 and 2018 are for Objectway years for a parallel rush to innovation and time-to-market on one side, and operation-ready technologies and paradigms on the other side.
**RELATED POST**
About Objectway
### OWIN18: Taking Digital Humanism To The Core
[](/owin18-taking-digital-humanism-to-the-core/)
About Objectway
### Our Journey, Our Business
[](/our-journey-our-business/)
About Objectway
### A Great International Customer Conference
[](/a-great-international-customer-conference/)
**Categories:** #CustomerConference, #Owin, About Objectway
---
### [Human Governance e Robo Planning: il futuro che ci attende](https://objectway.com/human-governance-e-robo-planning-il-futuro-che-ci-attende/)
**Published:** April 26, 2018
**Author:** Silvia Boccuzzi
**Excerpt:** Il modello ibrido è il più efficace per il supporto alle attività di advisory e per rispondere alle esigenze sia degli advisor che dei clienti.
**Content:**
[  ](/owintalk/advisory/)
###### APRIL 26, 2018
# Human Governance e Robo Planning: il futuro che ci attende
[Michele Tanzi](https://www.linkedin.com/in/michele-tanzi-39b18410/)
Market Solution Director
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#HybridAdvisory](/owintalk/hybrid-advisory)
Il modello ibrido è da considerarsi, ad oggi, il modello più efficace per il supporto alle attività di advisory e ideale per rispondere alle esigenze sia degli advisor che dei clienti. Al fine di sostanziare questa affermazione, si rende necessario contestualizzare la discussione nell’attuale contesto sociale, di trasformazione e innovazione.
Fino a non molto tempo si credeva che Business as usual fosse abbastanza, oggi, all’elevarsi del livello di aspettativa di ognuno di noi, non sembra esserlo più; se in passato si era disposti ad attendere giorni e fare lunghe code per ottenere un documento, oggi, al solo pensiero, sembra inaccettabile ed equiparabile ad un disservizio.
Tra qualche anno, in qualunque momento, l’assistente virtuale saprà già come organizzare il nostro pranzo e qual è il ristorante in zona più conforme alle nostre esigenze, il nostro budget di spesa atteso e così via.
Agiamo dunque in un contesto analogo ad una tempesta perfetta, dove i dati rappresentano l’elemento magmatico, dove tutto è connesso, dove milioni di persone popolano il mondo dell’Internet of Things alimentando AI e deep learning. In questo scenario, gli elementi determinanti e decisivi sono veri e propri game changer, quali digitalizzazione, mobilità, augmentation, disintermediazione, automatizzazione.
Ci riguardano tutti o quasi; la Augumented Reality, ad esempio, sta diventando sempre più ricorrente in ambito finanziario. La Commonwealth Bank of Australia e la britannica Halifax hanno sviluppato una applicazione home finder che mostra agli utenti il prezzo delle abitazioni cui passano davanti, sovrapposto alle abitazioni stesse.
Alla luce di quanto detto, essere in grado di adeguarsi alla trasformazione digitale, per le aziende, ha cessato di essere una opzione. E la velocità di adattamento è oggi il fattore principale da considerare: saranno necessarie abilità differenti rispetto al passato e andranno amministrate più rapidamente.
COMPRESSIONE TEMPORALE
All’evolversi dei processi mentali per accedere ad una risorsa, per usufruire di un servizio o ancora per realizzare un prodotto, cresce il tentativo di voler costantemente gestire e controllare una mole di dati e informazioni che si hanno a disposizione e dunque aumenta la necessità di strumenti di supporto adeguati.
In risposta a questo fenomeno e nella consapevolezza che la tecnologia è un supporto, non il motivo per il quale si lavora, la soluzione è innovare sé stessi, il proprio modo di lavorare e gli strumenti che lo supportano.
Crediamo dunque nel modello ibrido, al supporto del consulente, poiché tutto ciò che non può essere digitalizzato sarà estremamente prezioso. La human governance è fatta anche da quanto non è possibile digitalizzare, perché gli uomini aggiungono creatività, immaginazione, intuizione, emozioni, etica, saggezza.
Combinando l’automatizzazione e l’efficienza della tecnologia con il fattore umano è possibile trasformare l’esperienza dell’onboarding e costruire il modello di digital advisory nello spirito dell’hybrid advisory.
**RELATED POST**
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### Il Roboadvisory ha un Futuro Ibrido
[](/owintalk/il-roboadvisory-ha-un-futuro-ibrido/)
Advisory
### The Race to Roboadvisory 2.0 Will Be Won by Means of Hybrid Advisory
[](/owintalk/the-race-to-roboadvisory-2-0-will-be-won-by-means-of-hybrid-advisory/)
**Categories:** #HybridAdvisory, Advisory
---
### [The Quest for Frictionless Onboarding: How](https://objectway.com/the-quest-for-frictionless-onboarding-how/)
**Published:** April 20, 2018
**Author:** Silvia Boccuzzi
**Excerpt:** It's time to show how to get to pursue the goal of a frictionless onboarding analysing three main ideas.
**Content:**
[  ](/owintalk/customer-experience/)
###### April 20, 2018
# The Quest for Frictionless Onboarding: How
[Georgios Lekkas](https://www.linkedin.com/in/glekkas/)
Innovation Director
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Digitalisation](/owintalk/digitalisation)[\#ClientExperience](/owintalk/clientexperience/)[\#CustomerJourney](/owintalk/customerjourney/)[\#Onboarding](/owintalk/onboarding)
In the Why part of this double post we explained the rationale for pursuing the goal of a frictionless onboarding, by listing the risks involved in not doing it. Now it’s time to show how to get to such goal.
Friction removers
The first idea underpinning the new kind of onboarding, is to switch to a completely digital onboarding process. Speed can be attained only without paper. To exploit the potential of this idea to the max and efficiently scale operations, it needs support by an E-signature, best if eIDAS[\[1\]](#_ftn1) compatible.
The second key idea is to conduct thorough analysis, so as to make sure that the majority of process variants are covered. If the new digital process supports most use cases, it will not be abandoned by its users. The fruits of analysis must be exploited by a Business Process Management technology, that can adequately support the definition, development and execution of the multiple process variants, maintaining consistency at affordable cost. No one wants to dig into source code to understand the checks and logic in place.
The third idea is the one most often overlooked in enterprise projects, and is about the client experience. Access and flow must be optimized for clients and advisors. Mobile device access; freedom to supply information in any order and any means, including photos; just-in-time notifications on process status; suggestions for next-best action that optimize the outcome, are a few of the measures that can help users adopt the process.
No solution can reap the rewards of automation, if it is not used at a sufficient rate because of UX issues. This goes for self-service onboarding and for hybrid approach where advisor and client collaborate.
Last but not least, any new digital onboarding must not only look and feel cool, but also be implemented with appropriate engineering technologies that ensure scalability and real-time integration to the firm’s Customer Information hub.
The quest for a completely frictionless onboarding may never be completely over, but by implementing these ideas we remove much frustration and cost and replace them with client and advisor delight
###### Source: [\[1\] *eIDAS*: Electronic Identification and Trust Services, EU-wide legal framework for electronic signatures.](#_ftnref1)
**RELATED POST**
Customer Experience
### The Quest for Frictionless Onboarding: Why
[](/owintalk/the-quest-for-frictionless-onboarding-why/)
\#MassCustomisation\#Microservices
**Categories:** #ClientExperience, #CustomerJourney, #Digitalisation, #Onboarding, Customer Experience
---
### [Il roboadvisory ha un futuro ibrido](https://objectway.com/il-roboadvisory-ha-un-futuro-ibrido/)
**Published:** April 17, 2018
**Author:** Silvia Boccuzzi
**Excerpt:** Anche quest’anno il Salone del Risparmio si è confermato una scena eccellente per parlare con equilibrio e competenza di wealth management. A farlo sono stati Massimo Arrighi, partner di A.T. Kearney e Michele Tanzi, Client Solution Director Objectway, coordinati e sollecitati con sapienza e tranquillità dal direttore diAdvisor Online, Francesco D’Arco, nella sessione The future of Digital Advisory: Human Governance and Robo-Planning?.
**Content:**
[  ](/owintalk/advisory/)
###### APRIL 17, 2018
# Il Roboadvisory ha un Futuro Ibrido
By Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Hyperpersonalisation](/hyper-personalisation/)[\#RoboAdvisory](/robo-advisory/)[\#DigitalAdvisory](/digital-advisory/)[\#Customerjourney](/customerjourney/)
Anche quest’anno il Salone del Risparmio si è confermato una scena eccellente per parlare con equilibrio e competenza di *wealth management*.
A farlo sono stati Massimo Arrighi, partner di A.T. Kearney e Michele Tanzi, Client Solution Director Objectway, coordinati e sollecitati con sapienza e tranquillità dal direttore di [Advisor Online](https://www.advisoronline.it/ "Advisor Online"), Francesco D’Arco, nella sessione [The future of Digital Advisory: Human Governance and Robo-Planning?](http://www.objectway.it/objectway-a-sdr18/?lang=it).
LO STATO DELLA NAZIONE FINTECH
Arrighi ha tratteggiato un panorama globale del mondo fintech, a partire dai giganti americani per arrivare all’Italia. Un mondo dove le principali caratteristiche *disruptive* sono la semplificazione e la trasparenza, inizialmente ignorato dai grandi player che però ora hanno colto la tendenza e sono tutti scesi in campo, chi con piattaforme proprie, chi con acquisizioni o alleanze.
Di piattaforme ha poi parlato Michele, che ha presentato quella digitale unificata di Objectway. Non prima di discutere in modo appassionato e stimolante il futuro digitale che ci attende, fatto di intelligenze artificiali e *customer journey* articolati su mille canali.
Futuro che sarà prerogativa di qualsiasi settore e non solo del risparmio gestito. Le esperienze di [Watson di IBM](https://www.ibm.com/watson/ "Watson") nel trattamento oncologico e i progressi verso le auto che guidano da sole sono esempi più che sufficienti a validare l’argomento.
IL DOMANI IBRIDO
Futuro, ancora, che sarà ibrido. Proprio come le auto guidano da sole ma incontrano circostanze dove comunque il volante è meglio che lo abbia in mano un guidatore, la digital advisory che si affermerà è quella dove il cliente manovra in autonomia quando e come vuole, fino al momento in cui desidera un rapporto con un advisor umano. Che è in controllo dell’esperienza ed è pronto a servirlo al meglio.
Al termine delle due presentazioni, le domande di Francesco D’Arco a completare il quadro. I timori sulla privacy – che a quanto pare riguardano più le banche del provato – e i dubbi sulla effettiva portata della *disruption*.
LE TRE CONOSCENZE
Pubblico coinvolto fino alla fine e disposto a restare anche per qualche minuto fuori orario, sempre difficile da valorizzare in una agenda stracolma come quella del Salone; segno che è stata una occasione importante di dire cose non scontate e mostrare anche come Objectway sia capace di lavorare seguendo il triplo bagaglio di conoscenze – tecnologia, finanza ed esperienza utente – che è stato indicato come indispensabile per qualsiasi azienda voglia porsi con credibilità oggi sul mercato.
**RELATED POST**
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### Human Governance e Robo Planning: il futuro che ci attende
[](/owintalk/human-governance-e-robo-planning-il-futuro-che-ci-attende/)
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### The Race to Roboadvisory 2.0 Will Be Won by Means of Hybrid Advisory
[](/owintalk/the-race-to-roboadvisory-2-0-will-be-won-by-means-of-hybrid-advisory/)
Advisory
### Albertini: Il Digitale è un Aiuto per la Banca
[](/owintalk/albertini-il-digitale-e-un-aiuto-per-la-banca/)
**Categories:** #CustomerJourney, #DigitalAdvisory, #HyperPersonalisation, #RoboAdvisory, Advisory
---
### [The Quest for Frictionless Onboarding: Why](https://objectway.com/the-quest-for-frictionless-onboarding-why/)
**Published:** April 13, 2018
**Author:** Silvia Boccuzzi
**Excerpt:** Client onboarding is the most delicate and critical process in financial services. In the new digital era, onboarding needs to cut waiting times, decrease manual processing and satisfy the new expectations set by clients.
**Content:**
[  ](/owintalk/customer-experience/)
###### APRIL 13, 2018
# The Quest for Frictionless Onboarding: Why
By Georgios Lekkas
Innovation Director
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#DigitalChange](/owintalk/digitalchange)[\#Digitalisation](/owintalk/digitalisation)[\#Onboarding](/owintalk/onboarding)[\#CustomerJourney](/owintalk/customerjourney/)
Client-centered innovation
The rapid advancements in technology have opened a wide range of possibilities for innovation in the financial services industry. And in this realm, one of the key courses of action is improvement of user experience.
The new Wealth Management paradigm dictates that firms move beyond being a transaction-based service provider, to having a positive impact on clients’ lives and goals. It is no longer enough to just “do the job”: to book transactions, calculate investment performance, generate a client report.
All processes should be reviewed in order to maximize the benefit to the client, and to a second degree, also to the advisor. Because if the advisor dedicates less time to time-consuming chores, he/she has more time to spend with clients.
Onboarding needs
Client onboarding is the most delicate and critical process in financial services. Failings in other kinds of processes is serious, but in onboarding, failure can be measured in terms of:
- lost clients, if during a process that lasts several weeks, clients change their minds;
- missed investment opportunities, if processes take too long to complete;
- damaged reputation, if a “digital” investment firm reveals its slow inner workings;
- high costs, when paper-based onboarding needs a lot of clerical work and is accompanied by errors and repeated requests for corrections;
- regulatory issues, if to accelerate, one chooses to cut corners and allow dubious practices.
In the new digital era, onboarding needs to cut waiting times, decrease manual processing and satisfy the new expectations set by clients.
How does one do that? We’re going to explain it very soon.
**RELATED POST**
Customer Experience
### The Quest for Frictionless Onboarding: How
[](/owintalk/the-quest-for-frictionless-onboarding-how/)
**Categories:** #CustomerJourney, #DigitalChange, #Digitalisation, #Onboarding, Customer Experience
---
### [OWIN18: Taking Digital Humanism To The Core](https://objectway.com/owin18-taking-digital-humanism-to-the-core/)
**Published:** March 9, 2018
**Author:** Silvia Boccuzzi
**Excerpt:** Our third Customer Conference showed that Objectway is aware of its potential and of the challenges along the path to success. The company bet on itself and a new strategy, whilst dedicating OWIN18 to digital transformation and disruption.
**Content:**
[  ](/owintalk/about-objectway/)
###### MARCH 9, 2018
# OWIN18: Taking Digital Humanism To The Core
By Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#CustomerConference](/owintalk/customer-conference/)[\#Owin](/owintalk/owin)
London late 2015, “bravery”; Amsterdam late 2016, “confirmation”; and now Rome in early 2018, “awareness”. Our third Customer Conference showed that Objectway is aware of its potential and of the challenges along the path to success.
Due to this and also because of the macro trends in the wealth management sector, the company bet on itself and a new strategy, whilst dedicating OWIN18 to digital transformation and disruption.
And, what is more disruptive and transformational than gathering clients, partners and journalists in a sumptuous villa just outside Rome, the Eternal City, to convey a message like *Digital humanism to our core*?
SEVEN CENTURIES, SAME HUMANISM
There is a strong and direct link between the change brought by the digital transformation and the disruption brought by [Michelangelo](http://www.accademia.org/michelangelo/) in the [Sistine Chapel](http://www.museivaticani.va/content/museivaticani/en/collezioni/musei/cappella-sistina.html), with a powerful painting style challenging conventions and even the opinion of his client, [Pope Julius II](https://www.britannica.com/biography/Julius-II). There is something in this era that resembles the XIV century, when the [Humanism](https://www.philosophybasics.com/branch_humanism.html) movement was born and with it the motto *Homo faber fortunæ suæ*.
Time is ripe for giving life to a Digital Humanism, to exploit technology and to augment humanity instead of replacing it. To see the digital transformation as the seed of a Renaissance, more than a disruption.
Nothing more appropriate, then, than spending the night before OWIN18 visiting the Vatican Museums and especially the Sistine Chapel, to face the Universal Judgement painted by Michelangelo and countless masterpieces from centuries of art and civilizations.
GREAT PEOPLE ON STAGE
After that (and a cheerful dinner at the [Baccano](http://www.baccanoroma.com/en/), close to the [Trevi fountain](http://www.trevifountain.net/)), our CEO Luigi Marciano addressed the OWIN18 audience in front of a 17-meter digital screen inside [Villa Miani](http://www.villamiani.com/), to highlight the topics in his keynote introduction and present an extraordinary agenda of speakers, starting with opinion leaders, such as [Spiros Margaris](https://www.margarisadvisory.com/) and analysts like [James Brown](http://compeer.co.uk/about/) from Compeer and Thomas Zink from IDC.
Objectway customers like [Amundi](http://www.amundi.us/), [KBC Ireland](https://www.kbc.ie/), and [Pershing](https://www.pershing.com/) took the stage to talk about their relationships with us, projects implemented, wht they chose Objectway and their future plans.
MORE GREAT PEOPLE ON STAGE
From our side, after Luigi we offered our best lineup: Peter Schramme, Alberto Cuccu, Lorenzo Pagnin, Georgios Lekkas, Kurt Vanhee, Michele Tanzi; for delving in details about specific products, give overviews of markets and strategies, present our new product strategy, answer every possible question from the audience.
Yuri Bender was an excellent Master of Ceremonies: witty and ironic yet highly professional and well informed. Able to keep the general attention and focus even after a full day of keynotes, presentations, and demos.
We had the demos, also: rooms dedicated to the new products, platforms, and solutions, for people wanting to go hands-on, or simply discuss features and possibilities with our specialists.
OWIN18: CROSS THE PORTAL
The press coverage was unprecedented and our front men had to spend sensible amounts of time in interviews and face-to-face meetings with journalists, starting with the *Financial Times*.
Luigi invited everyone during his morning keynote speech to cross the portal of digital transformation and feel the energy of change; and a portal we built, to move from the main hall to the demo corner, to go from concepts and architectures, to actual solutions and products.
We’ll spend this year telling about our new unified digital solution; yesterday we showed to the market why we are choosing this strategy and why the digital transformation has to be embraced with energy and passion. To go towards a novel Digital Renaissance; and, also, to keep revenues growing, reduce costs, and attract more customers, while staying compliant with heavier regulations and ensure a complete digital engagement experience, through any possible relationship channel.
POWER WORD: AUGMENT
New technologies and innovations like machine learning, big data, microservices will help to offer more compelling services and support, augmenting advisors and bankers rather than replacing them; also, new companies and initiatives will make the market more crowded and competitive than ever.
This is the challenge of the digital transformation, this is its force, too. The message of OWIN18: Are you ready to take digital to your core and be ready for the transformation?
Time will tell. Meanwhile, thanks to everyone who contributed to make our third Customer Conference memorable, inspiring and a great success.
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### Software at Objectway: Thinking 2020, Now
[](/software-at-objectway-thinking-2020-now/)
About Objectway
### Our Journey, Our Business
[](/our-journey-our-business/)
About Objectway
### A Great International Customer Conference
[](/a-great-international-customer-conference/)
**Categories:** #CustomerConference, #Owin, About Objectway
---
### [Focusing On The Onboarding Process When Going Digital](https://objectway.com/focusing-on-the-onboarding-process-when-going-digital/)
**Published:** January 25, 2018
**Author:** Silvia Boccuzzi
**Excerpt:** There’s a process in wealth management that strongly depends on appealing user experience and solid legal basis: the onboarding process. A process also exists that is an ideal candidate for rationalization and digitalization, in order to get streamlined, gain effectiveness and retain the client.
**Content:**
[  ](/owintalk/digital-transformation/)
###### JANUARY 25, 2018
# Focusing On The Onboarding Process When Going Digital
[Nicola Pepè](https://www.linkedin.com/in/nicola-pepe-6569861/)
Senior Business Development Manager
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Digitalisation](/owintalk/digitalisation)[\#HyperPersonalisation](/owintalk/hyper-personalisation)[\#CustomerJourney](/owintalk/customerjourney/)[\#ClientExperience](/owintalk/clientexperience)[\#Onboarding](/owintalk/onboarding)
There’s a process in wealth management that strongly depends on appealing user experience and solid legal basis: the onboarding process. A process also exists that is an ideal candidate for rationalization and digitalization, in order to get streamlined, gain effectiveness and retain the client.
The reason is, the onboarding process that digitalization found in banks and institutions came right from the Seventies or the Eighties, without many changes: it was centered on static, invariant, preprinted forms, to be wholly filled no matter who the client was or needed. Repetition of the same information across multiple form was the norm, for instance, and multiple signatures were needed, in a time-consuming and, frankly, boring process.
SIMPLIFY AND SPEED UP ONBOARDING
No wonder that, in the digital age, a badly designed and executed onboarding process can make > 70% of prospects abandon the quest halfway, and choose competition.
In times of accelerating digitalization, on a side, and a growing bulk of regulation on the other side (MiFID II, PSD2), a financial institution is better going to think about keeping the pace of the competition on innovation, and ensure the best compliance of the onboarding process, making the client satisfied.
PERSONALIZATION
How does onboarding change in this years? Simplify the data collection while strictly observing the regulations, to ask the client nothing more than the necessary while staying compliant for sure. Nobody want to incur in additional compliance-related costs after the data collection phase and having successfully completed onboarding.
This is obtained by working either on the personalization of the process and a paradigm change about forms, that are no longer static and encompassing all and every detail of the client; forms become dynamic instead, and the process is able to collect information once for all the following needs.
KNOW YOUR CLIENT
A requirement for a good onboarding process today is, by consequence, to know the target well enough to only collect information relevant for the kind of contract at stake. This simplification is reached by rationalizing the process; forms and documentation must, literally, come out almost from scratch according to the client and his needs. Nothing is to be collected that is not functional and strictly required.
Digitalization is what makes this possible and desirable, since good software can enforce the perfect compliance, even in excess of the minimum; many institutions, banks above all, tend towards an excess of compliance checks to stay away from unpleasant bureaucratic surprises. A digital onboarding can be configured to address the client’s needs and the institution’s too, in a tailor-made way.
CRITICAL, MASS
Research shows that onboarding is the critical moment in winning a client. To build a successful and pleasant relationship in that very moment is critical, because it means a conversion—or a failure. Digital platforms allow to reach such a goal and at the same time ensure regulatory compliance. Personalization and compliance. And, on big numbers; these dynamics are at the heart of the best relationship platforms. They’re poised to become mandatory for every sane wealth management firm very soon this is the key to ultimately boost customer engagement.
**RELATED POST**
Digital Transformation
### Pillar After Pillar for a Pan-European Wealth Management
[](/owintalk/pillar-after-pillar-for-a-pan-european-wealth-management/)
**Categories:** #ClientExperience, #CustomerJourney, #Digitalisation, #HyperPersonalisation, #Onboarding, Digital Transformation
---
### [A CIO’s Hunt for the Perfect Fintech Company](https://objectway.com/a-cios-hunt-for-the-perfect-fintech-company/)
**Published:** December 19, 2017
**Author:** Silvia Boccuzzi
**Content:**
[  ](/owintalk/digital-transformation/)
###### DECEMBER 19, 2017
# A CIO’s Hunt for the Perfect Fintech Company
By Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#ClientCommunication](/clientcommunication/)[\#Digitalisation](/digitalisation/)[\#Portfoliomanagement](/portfolio-management-h/)
*Fintech* still resonates with *disruption* in the Wealth Management sector today. One of the most troubling tasks for the CIO of a traditional company is to find the right Fintech company (or companies) to integrate with, to become competitive again in a market that is moving too fast.
The problem for such CIOs is to detect the right company and determine the best approach to use to reach good results.
THE ERA OF THE DIGITIZED CLIENT
Old-style Wealth Management companies realize their clients are digital-savvy. Such clients may not fully master actually digital technologies, nonetheless they ask for a comprehensive digital experience when coming to communication, relationship with their advisor, access to information, documents and so on.
Such capabilities become a differentiating factor that can make a non-properly digitized company lose clients, who flock towards different and more up-to-date offerings.
A NEW GENERATION OF FINTECH COMPANIES
Our CIOs are fortunately in a situation which the right analysis can bring to a bright choice. Today’s Fintech emerging companies aren’t like the very first startups that appeared years ago on the market, full of disrupting potential yet unable to meet expectations.
The Fintech scene is more mature and business-ready today, full of companies with great technology *and* the ability to deploy it with great results. Objectway is in this league: our current product offering supports client onboarding, investment management, seamless integration with legacy systems, decoupling of the user experience from architectures and engines—essential to ensure the best integration with existing systems in any circumstance.
By the way, Gartner mentions Objectway in the *Relationship Manager Productivity category,* one of the four key areas where Fintechs Can Impact WM, *of its September 2017 Best Practices for WM CIOs to Leverage Fintechs for Competitive Advantage* report.
More, our solutions can successfully manage interaction and communication with the client in every phase of the relationship, starting right from the onboarding phase; and they are thoroughly multichannel, ready to lead clients through their Wealth Management digital journeys.
CHOOSE WISELY, CIOs, AS LONG AS YOU CHOOSE
The right Fintech company can really make any venerable Wealth Management business shine again and answer the digital needs of their clients. CIOs just need to take the adequate steps to identify the types of solutions their companies need, which Fintechs can effectively deliver in a tailor-made fashion and which kind of partnership or agreement should be signed to get the maximum advantage.
Time flies, though; events like the impending MIFID II regulation, for instance, call for immediate action. The later a Wealth Management firms prepares for digital, multichannel communication, robo-advisory and a comprehensive strategy to reduce costs while elevating service levels thanks to new technologies, the more likely these firms risk to remain behind the curve and get squeezed in their own market.
**RELATED POST**
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### Stairway to Digital Heaven: When Transformation Crosses Platform
[](/owintalk/stairway-to-digital-heaven-when-transformation-crosses-platform/)
Digital Transformation
### Gartner, Digital Empathy and Client-Facing Technology
[](/owintalk/gartner-digital-empathy-and-client-facing-technology/)
**Categories:** #ClientCommunication, #Digitalisation, #PortfolioManagement, Digital Transformation
---
### [Società FinTech: quando si può davvero parlare di disruption?](https://objectway.com/societa-fintech-quando-si-puo-davvero-parlare-di-disruption/)
**Published:** December 1, 2017
**Author:** Silvia Boccuzzi
**Content:**
[  ](/owintalk/market-trends/)
###### DECEMBER 1, 2017
# Società FinTech: Quando Si Può Davvero Parlare Di Disruption?
Euclidea
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#DigitalChange](/owintalk/digitalchange)[\#Digitalisation](/owintalk/digitalisation/)[\#ArtificialIntelligence](/owintalk/artificial-intelligence/)
Inflazionato. Il termine *disruption,* che in italiano potremmo tradurre con *disintermediazione* o *rottura,* come accade ad ogni vocabolo quando viene utilizzato troppo ed impropriamente, sta cominciando a perdere significato. *Disruption digitale, disruption finanziaria* e, soprattutto, *disruption del FinTech.*
L’evoluzione del FinTech, qualcosa è cambiato
Come riportato dal [World FinTech Report 2017](http://s3-eu-central-1.amazonaws.com/assets-euclidea-com/wp-assets/20170516120724/world_fintech_report_2017_Cpss.pdf), redatto da Capgemini, LinkedIn e Efma, i servizi offerti dalle società FinTech stanno riscuotendo un importante interesse da parte di utenti tecnologicamente avanzati e con elevate capacità di spesa. In particolare vale la pena sottolineare che, mentre inizialmente i grandi istituti finanziari non percepivano l’avvento del FinTech come una possibile minaccia, ora qualcosa è cambiato. Il 60% delle istituzioni sta infatti cominciando a considerare collaborazioni con realtà FinTech già esistenti e il 59,2% si sta invece attivando per sviluppare internamente le abilità al momento mancanti.
Il [movimento del FinTech](https://www.euclidea.com/magazine/scenari-economici-e-mercati/fintech-gia-rivoluzione/?utm_source=Objectway&utm_medium=Editoriale&utm_campaign=Disruption_FinTech), di cui abbiamo parlato in un precedente articolo, vede finanza e tecnologia insieme e nasce per sopperire a diversi bisogni, più o meno espressi, di chi si interfaccia con le istituzioni finanziarie. Nello specifico, la società si modifica e, con essa, le necessità e richieste degli individui che, però, non vengono soddisfatte dagli attori tradizionali. Qui nasce il FinTech che risponde ai bisogni di velocità, trasparenza, facilità e [democratizzazione](https://www.euclidea.com/magazine/il-mondo-euclidea/democratizzare-finanza-investimento-alla-portata-di-tutti/?utm_source=Objectway&utm_medium=Editoriale&utm_campaign=Disruption_FinTech).
Oggi è diventato automatico, quando si parla di FinTech, associare ad esso il termine *disruption*, facendo riferimento alla rottura che si sta creando tra il *passato* e il *futuro* della fruizione di servizi finanziari. Ma è davvero corretto *fare di tutta l’erba un fascio*?
Tutte le FinTech sono *disruptive?* Forse no
Un’interessante dibattito tra due professori della Harvard Business School, Michael Porter e Clayton Christensen ha portato alla luce una riflessione molto importante: quando, in riferimento ad una società FinTech, è corretto parlare di *disruption* e quando bisognerebbe invece parlare di *innovazione*?
Quello che emerge dalle considerazioni portate avanti a seguito del dibattito è che, se pensiamo alle numerose società FinTech che nascono sotto forma di ramo di realtà finanziarie già esistenti, come le banche ad esempio, parliamo di *innovazione*. Questo perché quello che accade, infatti, è che le aziende già attive trovano sostanzialmente diversi modi di offrire nuove esperienze utente ai propri clienti *innovando* i loro servizi e aggiornandoli ponendo l’attenzione verso nuove tecnologie e trend di mercato.
*Disruptive innovation*, l’attenzione è al processo
Facendo riferimento alla definizione di [disruptive innovation](http://www.claytonchristensen.com/key-concepts/) coniata da Clayton Christensen, il termine *disruption*, si riferisce, invece, al movimento compiuto da una realtà di piccole dimensioni e con risorse limitate, che riesce a sfidare con successo le grandi realtà già esistenti. In che modo? Le aziende già insediate preferiscono riferirsi a clienti maggiormente remunerativi a discapito di altri e, un’impresa *disruptive,* si distingue da queste proprio perché comincia a guardare a quei segmenti di clientela trascurati e non serviti, offrendo servizi di qualità ma di più facile utilizzo, trasparenti e meno costosi. Riferendosi quindi a due target diversi, le grandi realtà non vedranno necessario rispondere a questa nuova offerta e lasceranno i nuovi attori agire indisturbati. Saranno quindi i “nuovi arrivati”, in un secondo momento, ad ampliare la loro offerta espandendosi anche verso quel mercato più alto, già servito, ma preservando i vantaggi e le caratteristiche di facilità, trasparenza e [bassi costi](https://www.euclidea.com/magazine/come-risparmiare/i-costi-dellinvestimento/?utm_source=Objectway&utm_medium=Editoriale&utm_campaign=Disruption_FinTech). In questo modo il servizio, più vantaggioso in termini di *dare e avere* quindi sia dal punto di vista economico che di funzionalità offerte, sarà scelto dalla maggior parte dei clienti, che lo preferiranno a quello proposto sino a quel momento dagli attori già esistenti, portando così alla **vera *disruption***.
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### Millennial, Startup, Intelligenza Artificiale: il CEO Risponde
[](/millennial-startup-intelligenza-artificiale-il-ceo-risponde/)
\#MassCustomisation\#Microservices
**Categories:** #ArtificialIntelligence, #DigitalChange, #Digitalisation, Market Trends
---
### [Let’s Make Business with a Chatbot](https://objectway.com/lets-make-business-with-a-chatbot/)
**Published:** November 29, 2017
**Author:** Silvia Boccuzzi
**Content:**
[  ](/owintalk/customer-experience/)
###### NOVEMBER 29, 2017
# Let’s Make Business with a Chatbot
By Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Artificalintelligence](owintalk/artificial-intelligence/)[\#RoboAdvisory](/owintalk/robo-advisory)[\#Automation](/owintalk/automation/)[\#Clientexperience](/owintalk/clientexperience/)
After having introduced chatbots in a former post, we keep our promise to tell you more about their role in the wealth management industry.
The primary reason of using chatbots in wealth management – as well as in several other industries and sectors – is not the commoditization of the advisor or the need to constantly engage the user; is that messaging apps are beating social networks from years in traffic. Messages are, in other words, the new privileged communication channel. Omnichannel strategies are mandatory… but they must start from messages. And this means having chatbots ready alongside real people.
Exactly as roboadvisors can help customers to build the right investment portfolio for everyone in a very short time and with a relatively low cost, chatbots can cope with people looking for help with their banking platforms (technical issues), or for making investments more easily (financial opportunities). And they’re a reality already: Bank of America, JP Morgan Chase, Capital One, MasterCard, and American Express, for instance, [are all using chatbots](https://chatbotsmagazine.com/banking-chatbots-saga-which-are-the-top-5-banks-that-have-adopted-chatbots-8160fdcd495 "Top 5 banks with chatbots").
This doesn’t mean that the market is mature or void of opportunities: one of the most intriguing startups of 2017 is Cleo, a chatbot that – [TechCrunch writes](https://techcrunch.com/2017/07/26/emoji-banking/ "Cleo, a chatbot that wants to replace your banking apps") – *wants to replace your banking apps*. Pretty ambitious as a goal, isn’t it? For the record, anyway, in July Cleo closed a funding round worth two million English pounds.
Chatbots as Talkative Bankers
A very good article from DZone, [Chatbots and AI: The Fintech Trends to Watch](https://dzone.com/articles/chatbots-and-ai-the-fintech-trends-to-watch "Chatbots and AI: The Fintech Trends to Watch"), lists five ways AI and chatbots are reshaping financial services.
- Real-Time Access to Bank Accounts, Spending Insights, and Tailored Financial Recommendations.
- Expense Tracking and Budgeting.
- Smart Savings.
- Micro Investments.
- Payments and Money Transfers.
The page points to several interesting apps you can try out right away from your smartphone.
The disruptive potential of chatbots is enormous: just think that a 19-year old created a very successful chatbot lawyer, capable of [overturning 160,000 parking tickets in London and New York](https://www.theguardian.com/technology/2016/jun/28/chatbot-ai-lawyer-donotpay-parking-tickets-london-new-york "Chatbot lawyer overturns 160,000 parking tickets in London and New York"). It’s only logical to see more and more to them coming to disrupt the wealth management industry in the next years. Is your business ready?
**RELATED POST**
Customer Experience
### Let’s Talk About Chatbots
[](/owintalk/lets-talk-about-chatbots/)
Objectway
### Objectway’s financial chatbot at the cini national conference on artificial intelligence
[](https://www.objectway.com/objectways-financial-chatbot-at-the-cini-national-conference-on-artificial-intelligence/)
**Categories:** #ArtificialIntelligence, #Automation, #ClientExperience, #RoboAdvisory, Customer Experience
---
### [Let's Talk About Chatbots](https://objectway.com/lets-talk-about-chatbots/)
**Published:** November 20, 2017
**Author:** Silvia Boccuzzi
**Content:**
[  ](/owintalk/customer-experience/)
###### NOVEMBER 20, 2017
# Let’s Talk About Chatbots
By Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#ArtificialIntelligence](/owintalk/Artificial-Intelligence)[\#Digitalisation](/owintalk/Digitalisation)[\#DigitalChange](/owintalk/digitalchange)[\#Automation](/owintalk/automation)[\#RoboAdvisory](/owintalk/robo-advisory/)
*A chatbot (also known as a talkbot, chatterbot, Bot, IM bot, interactive agent, or Artificial Conversational Entity) is a computer program which conducts a conversation via auditory or textual methods. Such programs are often designed to convincingly simulate how a human would behave as a conversational partner, thereby passing the Turing test. — Wikipedia*
The shortest way to describe the [Turing Test](http://www2.psych.utoronto.ca/users/reingold/courses/ai/turing.html) is this: let’s converse via text messages with either a human and a computer, each isolated in its own closed room. If we can’t tell the machine from the human, the former has passed the test. That [Turing](https://www.turing.org.uk/), by the way, never intended to be taken literally: he was just describing abstract properties of a hypothetical, intelligent machine. More, his test was originally intended to tell a man from a woman just by looking to the transcripts of their answers; only later he thought to probe a mechanic intelligence.
Talking Heads
However, simpleness beats complexity every day in these Internet years; so, let’s just say that we’re used to knowingly talk with machines today, be them ATM tellers or AI-powered vocal assistants, and we want to find out if chatbots are going to help wealth management companies to provide services to their customers.
For those of you still inclined to the discovery game, have a look to [Chatbots.org](https://www.chatbots.org/) for finding lots of conversation opportunities. Just remember that [Facebook hosts more than 100,000 chatbots](https://venturebeat.com/2017/04/18/facebook-messenger-hits-100000-bots/) and you’ve been likely talking with one of them for years without noticing. You’d better think of [building one](https://www.hutoma.ai) perhaps, or reading this [enlightening beginner’s guide](https://chatbotsmagazine.com/the-complete-beginner-s-guide-to-chatbots-8280b7b906ca). Chatbots are with us nearly since the dawn of the Internet, but machine learning and Artificial Intelligence are going to give them an entirely new meaning.
We hope to having got you interested about chatbots now. Because we are going in a next article to say something about their use in the Fintech world.
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Customer Experience
### Let’s Make Business with a Chatbot
[](/owintalk/lets-make-business-with-a-chatbot/)
**Categories:** #ArtificialIntelligence, #Automation, #DigitalChange, #Digitalisation, #RoboAdvisory, Customer Experience
---
### [From Z to Millennials](https://objectway.com/pimfa-wealth-summit-2017-david-wilson-from-z-to-millennials/)
**Published:** November 17, 2017
**Author:** Silvia Boccuzzi
**Content:**
[  ](/owintalk/market-trends/)
###### NOVEMBER 17, 2017
# From Z to Millennials
By Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#DigitalChange](/owintalk/digitalchange/)[\#Digitalisation](/owintalk/digitalisation/)[\#ClientExperience](/owintalk/clientexperience/)[\#DigitalEngagement](/owintalk/digital-engagement/)
Millennials commonly appear to be less wealthy and less loyal to brands but still willing to favourably value face-to-face contact and technological capability. But you have the opportunity to forge long-term relationships with future inheritors, wealth builders and auto-enrollers. Although belonging to a highly digitally competent generation, it is recommended to offer a preferably hybrid solution, which means differentiated services to attract and retain Millennials on a cost-effective basis.
Engaging with existing family clients will be crucial in order to educate the next generation on investing and on your firm, as well as offering educational event and online accessible information to the overall industry. Also, Millennials will be way more attracted to a strong brand, therefore a decisive action will be strengthening your brand in terms of purposes, alongside with ensuring potential clients know where to find you.
Additional steps will be looking for opportunities to engage and provide nuggets of information. Not to mention lowering perceived barriers to entry for “smaller clients” with lower minimum amounts and clearly defined products and price points; or lastly addressing the need to balance property and longer term investment priorities with outcome funds and links to financial planners.
Nowadays Millennials expect to engage with seamless and secure technology, hence why it is essential to make sure your firm can effectively convey such service and use it to lower costs, delivering quality, along with tailored and value-for-money professional solutions. Enhancing testing, feedback, constant data analysis will be moving the needle in terms of optimising communications with potential and existing customers. Down this road, organisations will soon experience the urgence of undergoing digital transformation and adopting new technologies such as cloud computing and artificial intelligence.
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### Stay Ahead of the Game When Doing Digital in Wealth Management
[](/stay-ahead-of-the-game-when-doing-digital-in-wealth-management/)
**Categories:** #ClientExperience, #DigitalChange, #DigitalEngagement, #Digitalisation, Market Trends
---
### [Le prospettive dell'intelligenza artificiale](https://objectway.com/le-prospettive-dellintelligenza-artificiale/)
**Published:** October 23, 2017
**Author:** Silvia Boccuzzi
**Content:**
[  ](/owintalk/augmented-intelligence/)
###### OCTOBER 23, 2017
# Le prospettive dell’intelligenza artificiale
By Objectway
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#ArtificialIntelligence](/owintalk/Artificial-Intelligence)[\#Digitalisation](/owintalk/Digitalisation)[\#DigitalChange](/owintalk/digitalchange)[\#Automation](/owintalk/automation)[\#HyperPersonalisation](/owintalk/hyper-personalisation/)
L’intelligenza artificiale (Artificial Intelligence o AI) è una tendenza tecnologica che sta facendo molto parlare di sé negli ultimi mesi, soprattutto perché apre interessanti prospettive e nuove opportunità per moltissime aziende.
Gli analisti americani stimano un business globale che nei prossimi 10 anni continuerà a crescere arrivando ad oltre [60 miliardi di dollari](https://emerj.com/ai-sector-overviews/valuing-the-artificial-intelligence-market-graphs-and-predictions/); secondo Gartner Inc. giungeremo a [18,3 miliardi](https://www.gartner.com/en/newsroom/press-releases/2017-02-17-gartner-says-worldwide-business-intelligence-and-analytics-market-to-reach-18-billion-in-2017) già a fine 2017.
Il processo di digital transformation in atto nelle aziende non può prescindere dalle grandi innovazioni che potranno essere realizzate attraverso l’applicazione di sistemi di AI.
Le innovazioni passeranno attraverso le seguenti tecnologie, alcune già attuali e altre futuribili:
- Voice Recognition: consente il riconoscimento vocale e della lingua parlata dalle persone, per trascriverla in codice utile per le applicazioni software. Forse fra non molto parleremo al telefono in italiano con un collega spagnolo che sentirà direttamente in spagnolo ciò che diciamo. Ovviamente varrà anche il viceversa, per tutte le lingue.
- Natural Language Generation (NLG): produce testo in linguaggio comune partendo da dati. Ad esempio sono sistemi utili per velocizzare la reportistica della Business Intelligence o per l’analisi dei servizi di customer service.
- Virtual Assistant: i chatbot sono oggi impiegati nei servizi di customer care e help desk delle aziende; l’evoluzione tecnologica si sta orientando sempre più verso gli assistenti virtuali. Nei prossimi 3-5 anni saranno in grado di interagire con gli esseri umani..
- Robotic Process Automation: è una delle tendenze tecnologiche più mature sul fronte dell’intelligenza artificiale. Nel manufacturing ha permesso di automatizzare molte attività umane e, come conseguenza, ottimizzare i processi di business..
- Deep Learning: è una tecnologia di apprendimento automatico basata su reti neurali artificiali e algoritmi matematici sofisticati..
- Machine Learning: vien impiegato soprattutto per la realizzazione di soluzioni per l’analisi predittiva, anche in ambiente diagnostico medicale.
- Biometric Recognition: migliorerà l’interazione uomo-macchina attraverso il riconoscimento non solo del linguaggio ma anche del volto, del tono di voce, dei movimenti del corpo e, in generale, del linguaggio non verbale dell’essere umano.
- Decision Making & Management: aiuta a prendere decisioni migliori e a rendere più efficiente ed efficace lo stesso processo decisionale.
Partendo da queste tecnologie, è importante comprendere quale potrebbe esserne l’impatto all’interno delle aziende nei prossimi 5-10 anni.
Intelligenza artificiale e innovazione
Vedremo nuove soluzioni innovative nelle imprese, attraverso l’utilizzo dell’AI, in questi settori:
- customer self-service: ha il tasso di adozione più elevato ed una prospettiva di crescita continua nei prossimi 3-5 anni. Queste applicazioni integrano sistemi di intelligenza artificiale finalizzati a servire e supportare meglio gli utenti: potrebbero avere un mercato molto ampio sia come servizi digitali ai cittadini o ai turisti ma anche nel settore del retail, come assistenti virtuali e nella marketing automation.
- Robot e assistenti alle vendite: il retail è uno dei settori dove l’AI potrebbe mostrare il più elevato potenziale, come nel caso dei robot impiegati sia nelle vendite sia nella gestione dei magazzini. I robot con capacità motoria simile a quella dell’uomo sono ancora in fase di ricerca e sperimentazione: la stima della crescita tecnologica prevede il raggiungimento della maturità nei prossimi tre anni.
- Robot industriali: la robotica ai fini dell’automazione dei processi di produzione è uno degli ambiti tecnologici dove l’intelligenza artificiale è già impiegata da tempo. Grazie alla IoT (Internet delle Cose), l’analisi dei dati e la capacità di predictive analytics potrebbe registrare nell’arco di 2-3 anni una nuova ondata di adozioni, soprattutto di robot destinati alla collaborazione con esseri umani (cobot) per una migliore sicurezza dei lavoratori stessi.
- Robotic Process Automation: è una delle tendenze tecnologiche più mature sul fronte dell’intelligenza artificiale. Nel manufacturing ha permesso di automatizzare molte attività umane e, come conseguenza, ottimizzare i processi di business..
- Intelligenza sensoriale: si tratta di ambiti dove le tecnologie biometriche avranno l’applicazione maggiore, perché finalizzate a migliorare la capacità dei software di comprendere (e persino esprimere) le emozioni e le sensazioni umane attraverso il riconoscimento di immagini, suoni, linguaggio del corpo o espressioni facciali. L’intelligenza sensoriale è applicabile a molte attività, comprese la robotica e le soluzioni di customer care e help desk, fino ad arrivare anche all’assistenza medica. Serviranno almeno 5-10 anni per poter vedere interessanti soluzioni applicabili al business.
Over the Top
Le grandi multinazionali del digitale come Facebook, Google, Amazon, Apple e Microsoft, note anche come le Big Five, investono da tempo in startup e competenze tecniche sull’intelligenza artificiale. Già da oggi utilizzano inoltre l’AI nell’ambito del marketing e della supply chain.
Nel marketing per la gestione della relazione con i clienti e la loro fidelizzazione, attraverso soluzioni di riconoscimento vocale attuate attraverso l’analisi del linguaggio naturale (in questo caso per l’analisi di dati non strutturati dai quali derivare abitudini e sentiment dei consumatori), e attraverso la gestione intelligente delle campagne marketing e di comunicazione.
Nella supply chain per l’ottimizzazione della catena che va dall’approvvigionamento alla distribuzione di un prodotto o di un servizio, attraverso sistemi di order management che analizzano in tempo reale i consumi e i mercati delle materie prime, attraverso sistemi per la gestione preventiva della distribuzione, che correlano dati che possono riguardare le previsioni meteo o la geolocalizzazione per l’analisi dei flussi di movimento delle persone in occasioni di eventi, manifestazioni o concerti.
Ulteriori utilizzi si hanno già oggi anche in settori come healthcare e risk management.
HealthCare mediante assistenti vocali a supporto di malati o di persone disabili. L’intelligenza artificiale è inoltre già in uso anche nelle sale operatorie con sistemi che fanno da supporto a chirurghi e a medici.
Più rilevante è l’impiego dei sistemi di deep learning per la prevenzione delle malattie rare e dei tumori, grazie al fatto che le soluzioni di AI riescono ad analizzare più velocemente dell’uomo grandi quantità di dati, anche non strutturati, a partire da documenti e pubblicazioni scientifiche.
Risk management per la prevenzione delle frodi. Il rischio di frode viene ridotto effettuando correlazioni in tempo reale di grandi quantità di dati, compresi quelli che riguardano i comportamenti di acquisto o dati di viaggio o di mobilità di un cliente.
Un decennio di grandi cambiamenti
Nel corso dei prossimi 5-10 anni lo sviluppo tecnologico farà fiorire moltissimi altri campi di applicazione dell’intelligenza artificiale come il turismo, il food & beverage e l’immobiliare, sia grazie al continuo progresso delle soluzioni di AI, sia grazie ad una fiducia più diffusa da parte delle aziende che inizieranno a valutare, sperimentare ed adottare diverse applicazioni nei settori più svariati.
**RELATED POST**
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### Technology Constant Innovation
[](https://www.objectway.com/technology/)
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### Digital Investment Advisory
[](https://www.objectway.com/digital-investment-advisory/)
**Categories:** #ArtificialIntelligence, #Automation, #DigitalChange, #Digitalisation, #HyperPersonalisation, Artificial Intelligence
---
### [How Digital Experience Can Fit Your Brand](https://objectway.com/how-digital-experience-can-fit-your-brand/)
**Published:** September 11, 2017
**Author:** Silvia Boccuzzi
**Content:**
[  ](/owintalk/digital-transformation/)
###### SEPTEMBER 11, 2017
# How Digital Experience Can Fit Your Brand
[Simone Lelli](https://www.linkedin.com/in/simonelelli/)
Senior UX/UI Specialist
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#CustomerExperience](/owintalk/customer-experience-h)
IDENTITY IN AN OVERCROWDED DIGITAL WORLD
Objectway develops software platforms and solutions for a large financial service companies. Each company own its own needs and brand identity, and aims to be recognized as unique by its end clients.
The majority of them want to customize our white label software, and need to integrate it into an existing ecosystem of websites and IT services. But how a standard product can fit the client’s corporate image?
STRONG PRINCIPLES, FLEXIBLE PROCESSES
Product Design and Engineering are strictly related in the IT industry. Objectway Digital Experience Team is involved on defining the user experience of the products: user research, information architecture, user interface design and front-end implementation.
The Team’s main challenge is to build a maintainable software platform, following consistent design patterns and guidelines, flexible enough to allow extension and innovation: to achieve this goal UX designers and UI developers have harmonized their work process, in order to grow our products in a sustainable way.
THE ART OF ENGINEERING, THE RULES OF CREATIVITY
We design and build our user interfaces with modularity, scalability, and configurability in mind.
Design components are consistent, sharing design principles and style, but also sharing implementation patterns and methods: the deliverable is a modular UI system, easily adaptable via configuration changes and an automated build process.
For example, customizing a font family or a colour palette, keeping it consistent and meaningful, is really a smart task. To customize whole application look and feel and components behaviour is part of our daily work: it’s not an overwhelming issue but a standard process.
We apply this approach at the engineering of responsive web applications and native mobile apps, for smartphones, tablets and wearables, to provide a rich but consistent software ecosystem.
All built with tailored identity.
**RELATED POST**
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### Conversational User Interfaces: A Brief History of UIs
[](/owintalk/conversational-user-interfaces-a-brief-history-of-uis/)
**Categories:** Digital Transformation
---
### [MiFID II Is Closing and Many Firms Are Ready. Many Others, Well, Aren’t](https://objectway.com/mifid-ii-is-closing-and-many-firms-are-ready-many-others-well-arent/)
**Published:** September 6, 2017
**Author:** Silvia Boccuzzi
**Content:**
[  ](/owintalk/regulation/)
###### SEPTEMBER 6, 2017
# MiFID II Is Closing and Many Firms Are Ready. Many Others, Well, Aren’t
Edward Oleary
Senior Product Manager
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Mifid](/owintalk/mifid)[\#Regtech](/owintalk/regtech/)
With less than 130 days to the MiFID II implementation deadline there are still [industry concerns](https://jwg-it.eu/90-of-buy-side-firms-are-at-risk-of-non-compliance-by-mifid-ii-deadline-jwg-survey-finds/) about the ability of many investment firms to be compliant with all aspects of the regulation.
Investment firms who are better placed to meet the deadline are those firms that have worked closely with their peers, industry representative groups and software solution providers to reach a consensus on their interpretation of the regulatory requirements and have had open discussions as to how best meet to requirements.
BIG TEAMS, SMALL TEAMS
In addition, those firms who took a “divide and conquer” strategy by spreading the workload across dedicated teams focusing on specific aspects of the regulation, coupled with strong programme management are generally more advanced in their MiFID II preparation than other firms who left it to a small team of people, often relying on in-house solutions.
Sourcing the data content required to fulfil transaction reporting, indirect costs disclosure and product governance still remains a headache for much of the industry.
Implementation of MiFID II transaction reporting ([RTS22](http://ec.europa.eu/finance/securities/docs/isd/mifid/its-rts-overview-table_en.pdf)) seems to be the topic where firms have made the most progress. This is not surprising given that this remains the most clearly defined element of the regulation and the highest priority topic for many firms.
A QUITE VARIABLE COMFORT ZONE
While firms may be feeling more comfortable with their progress on transaction reporting, they seem to be less advanced in choosing an Approved Publication Arrangement (APA) required for trade reporting transactions executed “off venue”.
Firms are in varying degrees of readiness to ensure that they comply with costs and charges disclosure. In particular, firms must have an ex-ante solution in place and, from an ex-post disclosure viewpoint, ensure that they are capturing from day one all direct service and transaction costs charged to their clients.
On a more technical note, implementation teams have only recently received confirmation of the updated MiFID II FIX protocol “rules of engagement” requirements for trading platforms, executing brokers and APAs.
In summary, “the jury is still out” as to whether the [January 2018 deadline](http://in.objectway.com/mifid-ii-coming-working-calculator-also/) will be met by many firms.
**RELATED POST**
Regultaion
### (Just) Thinking About MiFID II?
[](/owintalk/just-thinking-about-mifid-ii/)
Regultaion
### MiFID-2: See You On 2018 Says ESMA
[](/owintalk/mifid-2-see-you-on-2018-says-esma-maybe/)
**Categories:** #Mifid, #Regtech, Regulation
---
### [Bitcoin: Not Your Father’s Currency](https://objectway.com/bitcoin-not-fathers-currency/)
**Published:** July 6, 2017
**Author:** Silvia Boccuzzi
**Excerpt:** Welcome to the fast and furious world of Bitcoin. Bitcoin is a cryptocurrency: it depends on cryptography for security of transactions and its very existence.
**Content:**
[  ](/technology/)
###### JULY 6, 2017
# Bitcoin: Not Your Father’s Currency
[Omar Silvano Gallina](https://www.linkedin.com/in/omar-silvano-gallina-61470b27/)
Objectway Market Solution Director
Reading time: 2 min
OWINTALK | BEHIND BUSINESS, BEYOND NEWS
[\#Blockchain](/owintalk/blockchain/)[\#Behaviouralfinance](/owintalk/behaviouralfinance/)[\#Portfoliomanagement](/owintalk/portfolio-management-h/)
*If you’re going to be in something volatile, you might as well be in something that’s volatile and rising than volatile and falling.* — Ryan Taylor, CEO of [Dash Core](https://www.dash.org), [to Bloomberg](https://www.bloomberg.com/news/articles/2017-06-15/venezuelans-are-seeking-a-haven-in-crypto-coins-as-crisis-rages)
Venezuelans, says the article, are flocking to Bitcoin, either desperate for the devastating devaluing of their bolivar currency and in search for good deals as Bitcoin