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Empowering a leading private bank with a cloud-native robo advisory platform

Empowering a leading private 2
dot Company
Private Company
dot Domain
Telecom & Networking
dot Service
Solution Engineering
dot Technology
Angular, MongoDB, NodeJS, Financial Tracker, Mobile, Android, Cloud
dot Platform
Mobile

Company

Private Company

Domain

Telecom & Networking

Service

Solution Engineering

Technology

Angular, MongoDB, NodeJS,
Financial 
Tracker, Mobile,
Android, Cloud

Platform

Mobile

Introduction 

A leading scheduled commercial private bank, known for its stronghold in retail, corporate, and wealth management services, had built a reputation on personalized client relationships. However, as the client base expanded and investment needs became more dynamic, the bank’s traditional advisory processes began to show clear signs of strain.
Relationship Managers (RMs) were heavily dependent on manual research and one-on-one interactions, which limited the bank’s ability to scale its wealth management services effectively. The absence of real-time investment insights and inconsistent risk profiling methods made it increasingly difficult to deliver timely, personalized, and high-quality investment advice.
Recognizing that growth would be unsustainable without modernizing its advisory operations, the bank decided to act — aiming to balance the personalized service it was known for with the speed, precision, and scalability that today’s clients expect.

Challenge

Despite a reputation for customer-centricity, the bank’s wealth management division faced three critical challenges that were impacting operational efficiency and client outcomes:

Manual Advisory Processes Slowing Growth

Relationship Managers (RMs) relied on manual research and client communications, which made the advisory process time-consuming and difficult to scale. This led to inconsistent service experiences, delayed investment suggestions, and lack of visibility into client engagement.

Absence of Real-Time Investment Insights

Without automation, RMs struggled to deliver timely, personalized investment recommendations. Rapid market movements often went unaddressed, leading to missed opportunities for clients and a reactive rather than proactive advisory experience.

Inconsistent and Unstructured Risk Profiling

Client risk assessment was handled manually and subjectively. Variations between RMs in categorizing clients’ risk appetites affected the suitability of investment strategies and ultimately impacted portfolio performance and client satisfaction.

Manual Advisory Processes Slowing Growth

Relationship Managers (RMs) relied on manual research and client communications, which made the advisory process time-consuming and difficult to scale. This led to inconsistent service experiences, delayed investment suggestions, and lack of visibility into client engagement.

Absence of Real-Time Investment Insights

Without automation, RMs struggled to deliver timely, personalized investment recommendations. Rapid market movements often went unaddressed, leading to missed opportunities for clients and a reactive rather than proactive advisory experience.

Inconsistent and Unstructured Risk Profiling

Client risk assessment was handled manually and subjectively. Variations between RMs in categorizing clients’ risk appetites affected the suitability of investment strategies and ultimately impacted portfolio performance and client satisfaction.

The bank needed a scalable, intelligent advisory platform that would automate processes, standardize client servicing, and empower RMs rather than replace them.

Our Approach

Understanding that the goal was to augment, not replace, the human element in advisory, iauro crafted a transformation journey focused on building a Cloud-Native Robo Advisory Platform — one that would bring together automation, intelligence, and personalization.

Key focus areas of our approach included:

Building a Seamless Stock Recommendation Engine

A scalable platform delivering real-time investment insights, fully integrated with the bank’s existing digital ecosystem.

Developing Intelligent Client Profiling

An automated risk assessment model classifying clients into Conservative, Moderate, and Aggressive profiles based on research-backed criteria, ensuring consistent and tailored investment advice.

Delivering Hyper-Personalized Notifications

Implementation of rule-based alerts aligned with individual portfolios, allowing clients to respond swiftly to market opportunities without relying solely on manual interventions.

Creating Rules & Criteria Workflows

Automation of investment rule definition, eligibility checks, and market triggers — enabling AI-driven investment recommendations dynamically, with minimal manual input.

Enabling Relationship Manager Visibility and Control

Equipping RMs with the ability to track automated suggestions, intervene when necessary, and maintain a personal touch with clients, preserving the bank’s relationship-driven approach.

Throughout the project, the emphasis was clear: make advisory services faster, smarter, and more scalable — without compromising client relationship

Tech Behind It

The solution was engineered with a robust, future-proof technology stack to ensure scalability, security, and seamless operations:
Cloud Native Infrastructure for deployment
scalability and resilience
Data & AI/ML for backend intelligence
and efficient data ingestion and large-
scale processing
User Experience (UI/UX) for both Relationship Managers and
end-clients
By leveraging cloud-native architecture, open-source technologies, and real-time data analytics, the platform was built to evolve with the bank’s growing needs and future innovation plans.

Building a Seamless Stock Recommendation Engine

A scalable platform delivering real-time investment insights, fully integrated with the bank’s existing digital ecosystem.

Developing Intelligent Client Profiling

An automated risk assessment model classifying clients into Conservative, Moderate, and Aggressive profiles based on research-backed criteria, ensuring consistent and tailored investment advice.

Delivering Hyper-Personalized Notifications

Implementation of rule-based alerts aligned with individual portfolios, allowing clients to respond swiftly to market opportunities without relying solely on manual interventions.

Creating Rules & Criteria Workflows

Automation of investment rule definition, eligibility checks, and market triggers — enabling AI-driven investment recommendations dynamically, with minimal manual input.

Enabling Relationship Manager Visibility and Control

Equipping RMs with the ability to track automated suggestions, intervene when necessary, and maintain a personal touch with clients, preserving the bank’s relationship-driven approach.

Throughout the project, the emphasis was clear: make advisory services faster, smarter, and more scalable — without compromising client relationship

Tech Behind It

The solution was engineered with a robust, future-proof technology stack to ensure scalability, security, and seamless operations:
Cloud Native Infrastructure for deployment scalability and resilience
Data & AI/ML for backend intelligence and efficient data ingestion and large-scale processing
User Experience (UI/UX) for both Relationship Managers and end-clients
By leveraging cloud-native architecture, open-source technologies, and real-time data analytics, the platform was built to evolve with the bank’s growing needs and future innovation plans.

The Impact

The implementation of the robo advisory platform led to immediate, measurable improvements:

Accelerated Advisory Services

Investment recommendation turnaround improved by 40–50%, allowing faster responses to dynamic market conditions.

Consistent and Compliant Investment Advice

Standardized research and risk profiling methodologies ensured consistency across RMs and enhanced regulatory compliance.

Enhanced Client Engagement

Relationship Managers were able to invest more time in building stronger client relationships instead of spending hours on manual research and reporting.

Proactive Wealth Growth

Clients began receiving timely, hyper-personalized investment opportunities, leading to better decision-making and improved portfolio outcomes.

Operational Scalability

The bank could expand its wealth management services to a larger client base without the need to proportionally increase advisory staff — driving greater operational efficiency.

The Outcome

Through its partnership with iauro, the bank successfully transitioned from a manual, reactive investment advisory model to a proactive, intelligent, and scalable advisory experience.
The platform not only solved existing operational inefficiencies but also positioned the bank as a forward-looking institution ready to meet the expectations of digitally-savvy investors.
Today, the bank continues to leverage the robo advisory platform to offer smarter, faster, and more transparent wealth management services — building deeper client trust, optimizing portfolio performance, and securing a competitive advantage in the marketplace.

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