This company provides modular behavioral technology designed to integrate within banking applications to increase client investment engagement. Their solutions leverage behavioral finance and hyper-personalization to convert savers into active investors through seamless digital onboarding. The platform offers tools for risk profiling, investment conversion, and portfolio retention to enhance customer experience and drive commercial targets.
Funding
Funding not disclosed
Founders
Product
Problem
Traditional banking channels struggle to convert savers into active investors due to cumbersome risk‑profiling processes, low digital engagement, and a lack of personalized investment pathways, especially for younger customers who prefer spending over investing.
Solution
EveryoneINVESTED delivers a suite of modular, behavior‑driven components that embed directly into a bank’s existing mobile or web app. The Profiler enriches MiFID‑compliant risk assessments with hyper‑personalized behavioral data, ESG preferences, and financial‑capacity metrics, producing more accurate client profiles. The Conversion Engine uses data‑driven triggers and an execution‑only advisory flow to guide high‑net‑worth savers toward investment decisions while respecting their loss‑aversion tendencies. The Rejuvenation Engine turns everyday payments into micro‑investments by rounding transaction amounts and automatically allocating the spare change to curated investment plans. The Retention Engine continuously diagnoses portfolio health and generates personalized trade recommendations to keep investors engaged. All components are delivered as SaaS APIs and SDKs, allowing rapid integration, real‑time analytics, and compliance reporting within a single digital ecosystem.
Target Audience
The primary customers are retail banks, credit unions, and digital wealth platforms seeking to increase investment conversion rates among existing savers and attract younger, first‑time investors through embedded digital experiences.
Features
- SaaS‑based API/SDK suite (Profiler, Conversion Engine, Rejuvenation Engine, Retention Engine) for plug‑and‑play integration into existing banking platforms
- Hyper‑personalized risk profiling that combines traditional risk‑reward questions with behavioral finance metrics and ESG preference capture
- Smart triggering and execution‑only advisory flow that nudges savers toward investment actions while addressing loss‑aversion biases
- Micro‑investing rounding engine that automatically invests spare change from card transactions, supporting financial inclusion for younger users
- Portfolio diagnostics and AI‑driven trade suggestion module that surfaces personalized investment opportunities and upsell pathways
- Full compliance with MiFID II/ESMA guidelines, including audit‑ready data logs and transparent risk‑capacity calculations
- Modular architecture enabling banks to deploy only the components needed for their specific customer journey
- Real‑time analytics dashboard with KPI tracking, conversion metrics, and investor satisfaction scores