The solution automates portfolio management with robo-advisory investment optimizer that provides behavioral finance risk assessment, need-based investment solutions and customized asset allocation which ultimately increases portfolio managers' efficiency and performance.

1. Context:
A large bank was looking for a low
CAPEX, easy-to-integrate portfolio
management and client reporting
solution. The bank wanted to focus on
clients with net worth between US$1m
and US$5m.
Recommended solution:
• Create a rule-based customizable
algorithm that creates portfolio based
on an investor’s risk appetite.
Individual investor’s views for specific
asset classes were factored in and
therefore infinite permutations of
customized solutions were possible.
• The portfolio optimizer will have a
customized risk management tool
built in. The optimizer is powered by
random fundamental forward-looking
capital market assumption from
Mercer.
• The client-reporting tool provided
online real-time portfolio reporting
with detailed analytics and risk
metrics.
• To aid client servicing, the RM
desktop included basics of CRM by
integration with the wealth manager’s
CRM systems.
Full stack robo-advisor solution in a box
Client engagement
and efficiency
improvement
Safeguarding
client’s interest
while enhancing
revenue generated
by relationship
manager (RM)
Differentiated
client portfolio via
engaging
proprietary tools
Fee transparency Detailed online
portfolio
reporting
Behavioral
finance risk
assessment
Customized
asset
allocation
Need-based
investment
solutions
Integration of
core banking
and reporting
systems
Exchange
listed
exchange
traded fund
(ETF)
database
Tracking clients
views and
preferences
Customizable
client-centric
portfolios
Auto
portfolio
rebalancing
Leading-edge tech capabilities
Robo-advisory investment portfolio optimizer
Challenges faced by investment advisory services Case study
Diversification of
revenue sources
beyond transaction
fees
Client impact:
• The implementation freed up the portfolio
managers to service ultra high net worth
individual(UHNI) clients
• Enabled RMs to structure customized
portfolios for clients irrespective of the
wallet size
• Diversifying fee-based recurring revenues
Low cost of
customer
servicing
Visualization
dashboards
Varun Mittal
Global Emerging Markets
FinTech lead
varun.mittal@sg.ey.com
Contact us
FinTech Hub
www.ey.com/sg/FinTechHub