1) The document discusses how fintechs could help address ESG challenges and simplify investment decisions for retail investors. It notes growing demand from investors for sustainable investing options and tools to define their ESG preferences. 2) Lack of knowledge is a major hurdle to ESG investing. The document presents a solution called SAFIR that provides a personalized portfolio diagnostic to encourage investing and simplify decisions for retail clients in a way that is aligned with their risk appetite and sustainable preferences. 3) SAFIR uses modular tools including investor profiling, portfolio assessment, and continuous monitoring to help financial institutions better serve investors and meet regulations like the EU's ESG directives in a client-centric manner.

1. We simplify investment
decisions
Meetup on ESG challenges & how Fintechs could help
March 23th 2023

2. Introduction
What is responsible investment?

2
Examples of ESG issues

3. Introduction
Several forces are driving the growth of responsible investment

3
“Global ESG assets may
surpass $41 trillion by
2022 and $50 trillion by
2025, one-third of the
projected total assets
under management
globally”.
Source: Bloomberg Intelligence (BI)

4. 4

Sustainable finance survey (05/2022): the CSSF, ABBL & LSFI have launched a survey to assess knowledge and understanding of retail investors on sustainable finance.
Outcomes show that a significant part of the investors want to define ESG preferences if they invest, trust their banks to support them and require access to more information on
sustainable finance
Key findings
Client Demand
The shift to sustainable investing is driven by demand from the bottom up

5.  5
Sustainable finance survey (05/2022): the CSSF, ABBL & LSFI* have launched a survey to
assess knowledge and understanding of retail investors on sustainable finance.
Outcomes show that a significant part of the investors want to define ESG preferences if
they invest, trust their banks to support them and require access to more information
on sustainable finance
The importance of education
Lack of knowledge and expertise as the greatest hurdle to ESG investing
Nordea AM ESG survey (2021): The Nordea ESG Survey 2021 gathered the views of 1,200
European individual investors on ESG and sustainable investing via an online survey
conducted by CoreData Research between July and August 2021. Participants are
classified into 4 different generations: Gen Z (age: 18-24), Millennials (25-40), Gen X (41-
56), and Baby Boomers (57-75). They are also split into ESG users (currently investing in
ESG, 43%) and ESG non-users (currently not investing in ESG, 57%)c

6. The wealth management paradox
While access to investments has never been easier for non-professional
investors, making investment decisions is more complex than ever
Numerous &
complex
products
More information
available than ever
Financial impact
alone does not
matter anymore
Is the investment
proposition aligned
with my
expectations ?
How to simplify
investment
decisions for retail
investors, taking
into consideration
sustainable
preferences (ESG)
on top of
investment
objectives and risk
appetite ?
Next generation of investors: the 1st wave of digitally native clients

© Sopiad 2023
6
65%
are willing to share personal
data in return for more
personalized service
80%
believe they lack financial
knowledge
30%
consider to leave their
current financial institution
due to lack of centricity &
experiences

7. 7
SOPIAD
… supported by renowned Market & Scientific Experts…
Scientists
Market
… member of
Award
s
Solution
presented to
CSSF
FSMA
Georges Hübner
Non-executive director at Belfius Bank
Professor of Finance at HEC Liège
Marie Lambert
Vice Dean Research at HEC Liège
Professor of Finance at HEC Liège
Etienne de Callataÿ
Co-founder at Orcadia Asset Management
Guest Lecturer at University of Namur
Philippe Cogneau
Senior consultant in Financial modeling
Professor of Finance
Catherine D’Hondt
Professor of Finance at Louvain
School of Management
David Suetens
Chair of the Board at SOPIAD
Non executive director in
different Financial Services industries
Yves Francis
Non executive director at Quintet
Affiliate Professor at HEC Liège
Pascal Denis
Financial Services Partner at Deloitte
Growth & Strategy leader
Vincent Questiaux
Chief Information Officer
at Keytrade
Frédéric Venditti
Co-founder & CFO
at Pure Capital
Laure Hilbert
Executive director with strong
experiences in Weath & Asset
Management

© Sopiad 2023
A passionate, enthusiastic and motivated team …
…sharing mission and values …
Axel Vijgen
Data Scientist
There is beauty in
simplicity
In science we
Trust
We embrace
relationships
Smile is a
positive
cashflow
“We believe investment decisions
should be made easier for investors”
Julien Renkin
Chief Commercial Officer
Simon Taquet
Chief Operating Officer
Pierre Nemeth
Chief Executive Officer
Cédric Gillain
Chief Research Officer
Martin Defêche
Chief Technology Officer
Thomas Vasbinder
Software Engineer
Rémy Laforêt
Business Analyst
Adrien Colmonts
Trainee

8. SAFIR
How to encourage and simplify investment decision for non-professional investors ?
Retail Banks
Investing platform
Wealthtech
Wealth management
& Private Banks
Life insurers
Family offices
SAFIR Non-professional investors
SOPIAD proposes a personalized portfolio diagnostic solution (SAFIR) that helps financial institutions to further encourage and
simplify investment decision for retail investors (B2B services).
Financial institutions
Leverage on self-directed investments to
cross-sell investment advisory.
Generate cross-sells
Value proposition
Share analysis & recommend efficient &
hyper-personalized portfolio.
Increase efficiency
Simplify product selection
Simplify the investment product selection
for advisor-less investor experience.
Comfort investors well-being and
alignment with their personal values.
Comfort investors
Foster collaboration
Foster the client-advisor collaboration
with ongoing alignment between investor
profile & investment recommendation.
© Sopiad 2023
8

9. SAFIR
Encourage your client’s investments with client-centric investing experience
Investor profiles Investment products
Financial & non-financial information
Plug Behavioral finance &
ESG modules into existing risk profiles *
Risk & ESG suitability assessment
between investor and financial products
over time
Sustainable performance assessment
based on past & predictive analysis
(persistence**)
Breakthrough client-centric ratings
at both single asset and portfolio levels
* Possibility to use our profiling modules or plug to clients ’ones
** funds’ outperformance predictive analysis & failure probability
ESG fully-integrated or as a standalone module
Discover how our SAFIR diagnostic solution helps financial institutions to further encourage and simplify investment decision for retail
investors by using client-centric ratings while being fully compliant with new ESG MIFID II directive.
Risk ESG Perf.

© Sopiad 2023
9

10. SAFIR
3 modules to fast-track the investing experience
Modular by nature and fully aligned with EU directives*, SAFIR modules are relevant to all wealth management
segments
1 2 3
Investor profiling Personalized portfolio diagnostic Continuous monitoring
‘
* ESG MIIFD II, Taxonomy, SFDR
© Sopiad 2023
10
 Financial & ESG literary: Help retail investor to
understand financial / ESG concepts & risks
 Risk & ESG profilers: Easily plug investor profiling
module backed by state-of-the-art behavioral finance and
sustainable finance researches
 Profiling reports & alerting
 Simulation/ scenario analysis: Generate simulation to
assess investment products adequacy in accordance with
target risk level & sustainable preferences
 ESG & Risk suitability radar: Comfort investor’s selection
by explaining ratings using intuitive visualization of both
investor and products suitability assessment
 Ongoing monitoring and alerting of portfolio (or
assets) detecting Risk or ESG suitability issues
 Proactively inform investors in case of ESG
suitability mismatch

11. SAFIR
Zoom on module 1 (ESG only) – Illustrative example
ESG… easy as 1-2-3!  Reveal ESG preferences while being compliant with the new ESG
directives
Principal
adverse
impacts
selection
1 Capture ESG interests 2 Capture ESG preferences
3 Capture PAIs *
Summary
* Impacts of investment decisions having negative effects on sustainability
© Sopiad 2023
11

12. 1. ESG investors are hungry for more
2. Education and advisors play a crucial role in financing the transition to
a sustainable economy
3. Different levers exist to support financial institutions : support from
national (and EU) authorities, local association and collaboration with
Fintech
Conclusion
12
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