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keytrade
beobank
axa
pictet
paribas
nb-new
BCEE
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keytrade

Challenges faced by retail banks

  • rising
    Rising expectations
  • Differentiatig robo advisors
    Differentiating robo-advisors
  • Neo-bank competition
    Neo-bank competition
  • Iconographie
    Selling complex products

Rising expectations

To meet growing client expectations and remain competitive, continuous upgrades to digital platforms are essential for retail banks. Clients demand seamless, state-of-the-art technology that caters to their evolving needs, necessitating constant innovation and substantial investment.
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Differentiating Robo Advisors

Attracting affluent clients and differentiating their offerings from standard robo-advisors is a significant challenge. Banks must provide personalized, value-added services that stand out in a crowded market of automated investment solutions.
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Neo-bank Competition

Intense competition comes from nimble, technology-driven neo-banks that offer innovative and customer-friendly services. These new entrants leverage advanced technology to provide superior user experiences and lower costs, putting pressure on traditional banks to adapt quickly.
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Selling complex products

Marketing and selling complex financial instruments present significant challenges. These products often require substantial client education and a deep understanding of the financial landscape, making them difficult to present in a straightforward and appealing manner.
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Automated solution tailored
to your client investment journey

Use cases

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Beobank is part of the Credit Mutuel Nord-Europe group located in France. Beobank's investment strategy is a key element in the development of the bank. Together with Beobank we have developed a digital

investment advice solution based on the methodology bellow:

  • 365° personal financial situation
  • Asset allocation based on 3 pockets distribution: Cash, Protection, Growth Investor profile (based on risk profile, investment horizon, knowledge & experience)
  • Investment proposal (based on the model portfolio of the bank)
  • Signature and buy process
  • Quarterly wealth management statement and yearly follow up
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Digital transition is very important for BNP Paribas Private Bank France and his HQ to reduce the operational costs of the bank. The challenge for a private bank is how to harness digitalisation without loosing the tailor-made approach. Together with the bank we have implemented a digital platform allowing the automation of portfolio management without losing the personal face to face approach.

This digital platform named "MyMand@te" will help the bank to increase the profitability of the customers with lower Assets under Management.
Furthermore the tool is tailor-made for the customers of the bank with:

  • Highy personalised portfolios (>1000 possibilites)
  • Personalised risk questionnaire and profile
  • BNP's portfolio optimisation algorithm

 

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