Strategy and Solutions
A global digital-first bank wanted to attract younger investors with an automated robo-advisory platform. The bank asked Zymr to deliver a mobile-first experience that handled risk profiling, goal setting, portfolio recommendations, automated rebalancing, and seamless onboarding—integrated with existing KYC, trading, and custody systems.
The objective was to launch quickly, meet suitability rules across regions, and deliver a product that feels personalized while operating at scale.
Building a new channel at a regulated bank meant balancing speed, safety, and polish.
The bank’s wealth products skewed to advised relationships. Moving to fully digital advice required new processes for suitability, disclosures, and monitoring.
Recommendations had to flow into risk engines and OMS/EMS, then to custodians for execution and settlement—without manual steps.
Young investors would abandon clunky flows. Onboarding had to be four things at once: simple, fast, informative, and compliant.
Suitability, appropriateness, and disclosure acknowledgments had to be embedded, recorded, and auditable in every journey.
Put simply, the bank needed an engineered path from questionnaire to trade that felt effortless to users and defensible to auditors.
The risk wasn’t whether algorithms worked—it was whether the entire journey could be trusted: right investor, right portfolio, right records, every time.
Zymr delivered a robo platform that feels modern to clients and dependable to regulators. It expands the addressable market, lowers unit costs, and integrates cleanly with the bank’s existing rails. The result is compounding: more accounts, better telemetry, faster iteration—growth that accelerates because control is built in, not bolted on.
The bank now serves investors who prefer guided autonomy. The robo channel broadened reach without diluting oversight, and data from the funnel sharpened product decisions.
Growth came from frictionless starts and credible advice—measured in completed onboardings, funded accounts, and portfolios that stay on track without handholding.
These benefits made the channel sustainable—commercially and operationally—beyond the initial adoption surge.
The robo advisor is now a stable engine: predictable to run, easy to audit, and flexible to evolve.
Zymr built the robo stack end-to-end with guardrails baked in.
We co-defined investor personas, risk tolerance questions, and goal types (retirement, home, emergency). UX flows emphasized plain language, visual clarity, and progress cues. Copy explained trade-offs (risk vs. return, cost vs. tracking error) in human terms.
The engine mapped questionnaire responses to risk buckets and recommended ETF-based model portfolios. Constraints (minimums, region, excluded sectors) were supported. Drift thresholds and cash buffers were configurable per jurisdiction.
Digital KYC/CIP, e-signatures, disclosures, and bank linking occurred in one flow. Sanctions screening and identity checks blocked account creation only when necessary; otherwise, flagged cases routed to review queues without stalling the entire pipeline.
Portfolios rebalanced on drift or cash events with batched orders. Where permitted, tax-loss harvesting rules surfaced opportunities while respecting wash-sale limits. All actions generated audit logs and client notifications.
Suitability checks, disclosure acknowledgments, and best-interest attestations were versioned and time-stamped. Supervisory dashboards flagged exceptions (e.g., rapid risk-score changes, frequent goal edits). Pre-trade checks validated restrictions and concentration.
Metrics tracked conversion, abandonment, and funding times; alerts flagged unusual activity (multiple failed KYC attempts). Security featured MFA, device binding, encrypted PII, and strict scoping of service tokens.
The platform fused personalization with policy: an elegant client journey backed by controls that evidence every decision from profile to trade.
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