Strategy and Solutions
The client was a mid-sized regional bank serving over 1.2 million retail customers across three states. Historically known for strong branch-level relationships and traditional savings products, the bank had begun losing younger customers to digital-first fintechs offering automated investing at lower fees. Their existing wealth offering relied entirely on human advisors, with high minimum investment thresholds that excluded a majority of retail customers.
To remain competitive and appeal to the next generation of investors, the bank decided to launch a white-label robo advisor under its own brand—allowing customers to invest seamlessly from their banking app. They needed a partner who could rapidly deliver a secure, compliant, multi-asset robo advisory platform without the multi-year build typically required for wealth management technology. The bank partnered with Zymr to design, customize, deploy, and integrate the platform.
The engagement uncovered multiple constraints across technology, regulation, customer experience, and legacy system interoperability.
Legacy Architecture and Slow Digital Innovation Pace
The bank’s digital infrastructure was based on older middleware designed for payments and account management, rather than real-time investment workflows. Integrating complex advisory logic, rebalancing triggers, and portfolio reporting required careful refactoring and modernization.
Strict Compliance Requirements
As a regulated institution, the bank needed every recommendation, allocation, and trade trigger to be fully auditable. The platform needed to comply with:
This meant the robo advisor needed transparent, explainable logic—not a “black box” algorithm.
Disparate Customer Profiles
The bank served a wide demographic—from older conservative savers to younger first-time investors. A one-size-fits-all approach would fail. The system had to adapt portfolios to a wide range of:
Branding & Customer Experience Alignment
The bank wanted the solution to feel native, not “plugged in.” That meant:
Short Delivery Timeline
The bank was under pressure from the board to launch the offering within 9–12 months to compete with fintechs and prevent customer attrition.
Zymr enabled the regional bank to launch a modern, compliant, and customer-centric robo advisory offering more than two years faster than building a system in-house. The platform strengthened customer loyalty, expanded revenue streams, and positioned the bank as a serious competitor in digital wealth management.
The launch reshaped the bank’s value proposition and strengthened its competitive standing.
Within the first year:
The platform enabled smaller advisory teams to support more customers because portfolio management was fully automated.
Integrating wealth services into digital banking reduced churn and increased long-term loyalty.
The bank transitioned from being seen as a traditional institution to an innovative tech-forward finance provider.
Compliance teams successfully validated the platform for FINRA/SEC readiness, with complete documentation and transparency across advisory logic.
Because automation replaced manual advisory tasks, customer lifetime value rose while servicing costs decreased.
Education modules significantly increased user engagement and confidence-particularly with first-time investors.
Customers using the robo advisor were more likely to adopt savings, credit, and insurance products.
The bank is now exploring thematic investing, retirement planning modules, and hybrid human+AI advisory.
Zymr delivered a customized white-label robo advisor built on proven wealth-tech architecture and adapted to the bank’s compliance, branding, and integration requirements.
1. Fully Customizable White-Label Platform
Zymr implemented a modular robo advisory engine that allowed deep customization without rebuilding core components. This included:
Every component—from buttons to insights—reflected the bank’s brand identity and messaging.
2. Multi-Asset Portfolio Engine
The bank wanted to go beyond simple ETF portfolios. Zymr delivered a portfolio engine supporting:
The engine automated:
All allocation decisions were logged for full auditability.
3. Compliance-Driven Architecture
Zymr engineered the platform to meet financial regulatory requirements:
The bank’s compliance team was given dashboards to monitor user actions, trade logs, and suitability reports.
4. Integrated Client Education Modules
A standout requirement was education. The bank’s goal was not just automation but empowerment of retail investors. Zymr built a learning layer into the product, including:
This strengthened user confidence and reduced reliance on branch staff.
5. Real-Time Brokerage, Custody & Banking Integrations
Zymr connected the robo advisor to:
Users could open a robo advisory account, fund it, invest, and track performance inside the bank’s app—with no redirections.
6. Cloud-Native, Scalable Infrastructure
The entire solution ran on a secure AWS architecture featuring:
This allowed the bank to support thousands of simultaneous users without performance degradation.
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