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Digitalising client journeys

Making digital a lever of trust, not just efficiency

Asset Management / Wealth Management / Life Insurance

A frictionless journey, from subscription to everyday follow-up

Digitalisation of client journeys has accelerated sharply across the savings ecosystem, but maturity levels vary widely between players (network-based wealth management banks, private banks, independent financial advisors, life insurers). This results in two major challenges: 

  • Meeting the growing demand for digital, particularly among younger and digitally native clients
  • Freeing up commercial and relationship time by automating low value-added steps.

  • Onboarding – Digitalising the entry into the relationship

    • Fully digital subscription – Dematerialise account opening and contract subscription (KYC, MIFID questionnaire, e‑signature) to reduce delays and friction at entry into the relationship.
    • “Gamified” profiling questionnaires – Replace traditional regulatory questionnaires with more engaging journeys (risk scoring, investor profile) without losing regulatory robustness.
    • “Ready-to-go” journeys – Offer model portfolios (profiled or thematic, often ESG) directly accessible online, with full transparency on costs and risks, to capture a mass-affluent client base previously underserved.

  • Investment and advisory journeys – Enriching self-care

    • Integrated automated advice – Develop recommendation and allocation modules tailored to the client’s profile (robo-advisor type), building on the technology already deployed for everyday banking.
    • Digitalised wealth diagnostics – Offer aggregation and simulation tools (wealth, tax, succession) enabling clients to get an objective view of their situation before engaging with an advisor.
    • “Phygital” model – Combine digital self-care tools (consultation, subscription, alerts) with direct, seamless access to an advisor for complex decisions — a key condition for satisfaction in private banking

  • Client portal – Becoming the reference platform for the wealth relationship

    • Global wealth aggregation – Provide a consolidated view of holdings (accounts, contracts, real estate) within a single space, strengthening engagement and login frequency.
    • Advanced self-care services – Integrate a digital vault, e‑signature, document tracking and personalised alerts to streamline the client’s day-to-day management.
    • Enhanced reporting and transparency – Give real-time access to performance, fees and portfolio composition, a condition for trust in a context of high information availability.