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Expert opinions

Jamie Hoyle

Jamie Hoyle VP Product at MirrorWeb

Beyond Burden: How Business-Friendly Compliance Fuels Success in Financial Services

SMB and Mid-market financial firms face the same regulatory scrutiny as the largest players, but without the deep pockets or armies of compliance staff to match. Many still rely on outdated, manual, or fragmented review processes, which slow decision-making and stretch already-limited resources. In this environment, even small inefficiencies can

/regulation /wealth Fintech

Leon Lin

Leon Lin Analyst at Comity

Ergodicity: What Does It Mean?

Takeaway Knowing whether a process is ergodic or non-ergodic is critical in knowing how much risk to take. Investing and wealth are non-ergodic processes, which imply that our first thoughts on expected values are very wrong. I’ve heard about ergodicity before, but wasn’t quite able to understand it until I watched this video by Ergodicity TV. I...

/wealth /predictions Financial Risk Management

Luigi Wewege

Luigi Wewege President at Caye International Bank

Privacy, Diversification, and Growth: The Modern Case for Offshore Banking

For centuries, offshore banking has been a lightning rod for debate. Once cloaked in secrecy and associated with the wealthy elite, it has often been misunderstood as an opaque tool for tax evasion. Yet, in today’s interconnected financial environment, offshore banking has matured into a legitimate, strategic option for individuals and businesses

/wealth /predictions Law and Finance

Amr Adawi

Amr Adawi Co-Founder and CEO at MetaWealth

What Project Guardian Reveals About Institutional Adoption of Tokenization

When the Monetary Authority of Singapore (MAS) launched Project Guardian in 2022, the goal was clear: test whether tokenization could deliver measurable improvements in efficiency, liquidity and transparency across capital markets. Three years on, the initiative has expanded into a global network of more than 40 institutions and regulators, produc...

/regulation /wealth Innovation in Financial Services

Lalit Lal

Lalit Lal CTO and Co-founder at Keye

Private Equity Has Trust Issues With AI

Private equity is caught in a weird place with regard to AI. Every firm sees the upside; faster due diligence, better insights, scaling value creation across portfolios. But most firms are still just dipping their toes instead of actually using it. According to Bain research, most portfolio companies are testing AI, but only 20% have actually put...

/ai /wealth Alternative Investments

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Research

Future of Report

The Future of European Fintech 2025: A Money20/20 Special Edition

A special edition for Money20/20 Europe 2025. The European fintech space is seeing leaps and bounds in digital innovation, financial technology, and operational resilience. With incoming regulation focused on standarising the sector and disruptive fintech firms challenging banks - the ecosystem is in a transitional period.  Among these challenges, the fintech boom is sweeping the continent. New developments in AI, tokenisation, digital identity, open banking, and more is redefining the banking sector. Europe is primed to act as the epicentre for global fintech innovation.  This Finextra report dives into industry sentiment on what the future holds for European fintech, featuring key insights from NatWest Group, Standard Chartered, BNY Mellon, Magnetiq Bank, GoCardless, Moore Kingston Smith, Stripe, and Augmentum Fintech. It explores:  AI and predictive analytics integration in payments;  Enabling financial inclusion and accessibility in emerging markets;  The role of digital identity and behavioural biometrics in financial services;  Innovation in regulatory practices;  The revolutionary power of smart data and decentralised finance. 

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Report

Don’t go extinct - How Wealth Managers can remain relevant

Transformation drivers and actions to prioritise Until recently, the wealth management industry in the UK has been largely homogeneous, with most traditional firms offering similar products and services to similar customers under similar business models. Fintech has been chipping away at these norms for a few years, but even in 2021, traditional wealth managers with rudimentary digital tools still dominate the market.  However, the pace of change has accelerated in the last year.  Newcomers are arriving in droves with engaging customer experiences, new technology and convergent services that address the historical limitations of the wealth industry, while opening new doors to new opportunities.  Now Covid-19 has put the industry into the spotlight, exposing some enduring weaknesses and highlighting the need for modernisation.  In a post-pandemic world, wealth management companies that are willing to innovate will begin to pull sharply away from those that are stuck in the past. Everyone hoping to remain relevant in this space - banks, advisory firms, asset managers, investment managers and technology providers - must be ready to drive transformation or risk extinction.  Download your copy of this Finextra impact study, produced in association with Cognizant, to learn more.   

340 downloads

Report

The Future of ESGTech 2022

Employing Data to Deliver on the UN's SDGs The unrealised potential for data to serve fertile, yet dormant, use cases is limitless. Therefore, empowering the reclaiming and repurposing of data is paramount if data is to lead to all people living in peace and prosperity. This endeavour has not progressed due to the entities holding data being unwilling to exchange data over concerns around data protection and security or the prioritisation of the desire to capture direct returns on investment. Others may also be reluctant to share data in hope they gain market power or competitive advantage. In financial services, this has not been the case. With the second Payments Services Directive or PSD2, banks are required to open access to data and share with other organisations. This has increased transparency of pricing, improved security through authentication and verification and encouraged banks to use application programming interfaces (APIs) for this disclosure of information. This shift to a digital economy will continue and will result in an attraction to a platform where financial data can be used to offer value-added services to other industries. One example would be open finance, an API-enabled offering, now facilitates the sharing of financial products, data, and services between independent parties, going beyond the regulatory requirements set out around open banking. By utilising APIs, financial institutions can implement open finance solutions to offer people greater product choice and control over their finances and data. Repurposing different types of data can amplify the impact of data on economic, environmental, or cultural development, can help fill information gaps and cultivate new perspectives. However, the world is behind schedule on achieving the United Nations’ Sustainable Development Goals. This report will focus on specific targets, however, not all, and consider how environmental, social and governance (ESG) data can be utilised by financial institutions and fintech firms to achieve the SDGs and ensure global communities can migrate to a circular global economy.

620 downloads

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FinextraTV

How Key Trends Are Redefining Wealth Management in 2025

Attending the Communify Insights Experience in London, Rupert Baron, Former CEO, Investment Management, Rathbones joined the FinextraTV studio and gave his perspective on what 'wealth' actually means in an industry of growing complexity. Defining wealth as a merge of investment and financial planning, Barron provided overviews on consolidation, private equity and AI, what it is that has driven such change, and how firms can move forward in the modern era.

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Long reads

Madhvi Sonia

Madhvi Sonia Head of Content at Finextra

Are you a HENRY (High Earner, Not Rich Yet)?

As reported in Moneywise, HENRYs are a “surprisingly large class of Americans who pull in big bucks but still feel financially strapped.” Despite earning over $100,000 annually, because these individuals do not have substantial wealth, assets or the investment knowledge to make a change in this era of inflation and high cost of living, they remai...

Madhvi Sonia

Madhvi Sonia Head of Content at Finextra

Would you trust a machine with your money?

Deciding how to manage finances can be a significant step. In a world where algorithms manage portfolios, rebalance assets, and offer retirement advice, a question remains: do people trust robo-advisors? And if they do, why? The psychology of trust in robo-advisors Polaris Market Research expects the global robo advisory market to reach $72 bill...

Madhvi Sonia

Madhvi Sonia Head of Content at Finextra

How AI is reshaping portfolio construction

Portfolio construction has long been a careful balancing act between risk, return, and investor psychology. Traditionally, it has been siloed, relying on historical data, human judgment, and static models. Classic portfolio construction follows a linear path: where risk tolerance and investment goals are assessed first, assets across predefined ca...