additiv: Pioneering the Next Frontier in Wealth Management



Since its inception, additiv’s Orchestrated Finance Platform has been the key element in its recent client successes. The platform automates the configuration, management, and interoperability of disparate systems, applications, and services, creating a unique, end-to-end client experience for the user. By utilizing additiv’s platform, financial or non-financial brands can access wealth, insurance, and credit solutions creating unique value propositions.

Innovative and exceptional

As the financial services landscape evolves, additiv stands at the pinnacle of innovation and exceptional service. The firm recently secured the accolade of Best Investment Management Platform for a Private Bank/ Family Office/Wealth Manager at the esteemed Global Private Banking Innovation Awards 2023, organized by The Digital Banker. This recognition is a testament to additiv’s forward-thinking strategy, leveraging cutting-edge technology to reimagine the provision and consumption of financial services.

Nirav Patel, Managing Director of Global Private Banker and The Digital Banker, extolled additiv’s triumph. He said, “additiv’s unique Orchestrated Finance Platform epitomizes business model transformation, showcasing how technology solves for the needs of the wealth management industry, making it a truly deserving recipient of this award.”

Paradigm shift in WM APAC

In a world where the middle-class population in the Asia Pacific region is forecast to increase by 73% (to 3.5 billion) by 2030, there is a paradigm shift underway in wealth management. The affluent demographic is not only growing but also becoming younger and more digitally savvy, requiring financial institutions to reimagine their strategies. In response to these evolving trends, the Swiss fintech firm additiv is revolutionizing the landscape with its Orchestrated Finance Platform, specifically designed to help private banks, family offices, and wealth managers capture this business opportunity.

Pieter Zystra, General Manager for additiv APAC, notes, “The future of wealth management necessitates a shift from traditional auxiliary services to a true customer centric approach.”

As additiv’s proprietary consumer survey found 64% of Asian consumers would switch their bank if they perceived a competitors’ offer as more innovative. And 68% prefer to take investment services by a nonfinancial brand.

Business model transformation key to meet clients’ expectations

Business model transformation involves the strategic integration of a variety of financial products and services, all delivered through powerful orchestration platforms. By leveraging APIs, these platforms act as a conduit between regulated assets (BaaS, IaaS, investment products) on the supply side and embedded finance on the demand side. This seamless integration creates an ecosystem where banking converges with everyday life and large opportunities arise for the ones positioned.

“The future of wealth management demands a departure from traditional auxiliary services, towards a truly customer-centric approach.” – Pieter Zylstra, General Manager APAC 

Swiss Fintech firm, additiv, has harnessed this concept with their Orchestrated Finance Platform, leading to impressive growth. Boasting a compound annual growth rate (CAGR) of over 50%, and servicing clients across more than 20 countries spanning the Asia Pacific, Middle East, and Europe, their platform stands out. It not only empowers financial institutions to deliver personalized wealth and investment services but also facilitates any other brand to replicate and innovate across diverse products and services.

Supercharging advisors

In contrast to many WealthTech companies that solely focus on digitising certain customer experiences, additiv takes a broader perspective. It seeks to empower advisors and catalyze business model changes, providing tools that enable the delivery of personalized advice, whether in-person or through hybrid models.

This comprehensive strategy results in a platform that caters to a varied clientele. From tech-savvy millennials yearning for a seamless, digital-first approach to wealth management to high-net-worth individuals seeking personalized, human-centric service. With its orchestrated wealth approach, additiv is poised to revolutionise the finance industry and our interaction with financial services.

A true embedded finance champion

To further expand its reach, additiv leverages embedded finance, a strategy that dramatically boosts financial inclusion. By integrating financial solutions into existing customer interaction channels, embedded finance reduces customer acquisition costs, offering relevant services in context to meet customer needs effectively.

This strategy exemplifies additiv’s commitment to serving a diverse client base with innovative, user-centric solutions.

additiv’s offer has already gone beyond traditional wealth management brands, including financial super-apps, insurers, pension providers, asset managers, and retail consumer platforms.

For advisor business, they are innovating with seamless Artificial Intelligence solutions. Their Advisor Copilot supercharges any advisor, by enabling them to have all the related knowledge at their fingertips. Built in a data-controlled environment and fully auditable it is a must for any financial active in the investment advice business.

With such ambitious plans, additiv is well-positioned to continue leading the transformation of the financial services landscape, harnessing the power of technology to drive innovation in wealth management.

Image by: Pixabay



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Edmund Shing, PhD

Global Chief Investment Officer
BNP Paribas Wealth Management

Edmund has over 29 years of experience in financial markets in a wide variety of positions, ranging from proprietary trading to portfolio manager in a number of financial institutions in London and Paris.  He previously held the role of Global Head of Equity and Derivative Strategy at BNP Paribas in London from 2015 to 2020, and has been Chief Investment Officer at BNP Paribas Wealth Management since November 2020.

Edmund is responsible for piloting our investment strategy and will continues to rollout out recommendations and themes with actionable advice that brings our expertise to our clients and support to our client-facing teams.  In this time of change, his expertise in following and anticipating markets is a true value added for both our customers and those at Wealth Management who serve them.

Edmund has a PhD in Cognitive and Computing Science from the University of Birmingham in the United Kingdom, and has done advanced studies in Knowledge-Based Systems and in Experimental Psychology.  He is an EFFAS-certified financial analyst. He has also authored the book “The Idle Investor” published by Harriman House in 2015, proposing 3 simple investment strategies that take only a few minutes to execute per month.

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      The world’s preeminent Private Banks and Wealth Managers are demonstrating a committed drive in innovation, advisory, new products and services to meet the sophisticated needs of their clients.

      Amid economic activity revival on the back of the Covid-19 vaccine program, organisations moving from business continuity plans to stable working environments, together with the slightest improvement in unemployment numbers, forced the world to adjust to new realities. Coming to terms with the “new normal”, global investors are now on the look-out for attractive and stable investment opportunities.

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