HQ Address

Talstrasse 65, 8001 Zurich, Switzerland

Website Address

Connect with additiv
Business introduction

One platform to add financial services: addWealth, addBanking, addCredit and addInsurance

We partner with institutions to evolve their business model and transform their offerings with innovative wealth management, banking, credit, and insurance solutions

additiv enables leading financial institutions and brands globally to add innovative financial services - all on one platform.

additiv's API-first cloud platform is one of the world's most powerful solutions in wealth management, banking, credit, and insurance. The technology, together with the global ecosystem of regulated financial service providers, opens new opportunities for banks, insurance companies, asset managers, IFAs, but also 'consumer brands' to offer their own and third-party financial solutions quickly and flexibly via existing or new customer channels.

Headquartered in Switzerland, with regional offices in Singapore, UAE, and Germany and over 250 employees, additiv serves over 400 financial companies (banks, insurers, asset managers, pension providers, IFAs, etc.) and brands globally.

ATRAM Wealth 360

Business Intelligence & Practice Management, Portfolio & Wealth Management Systems


As the demand for wealth management continues to evolve, ATRAM partners with additiv to bring new industry standards by reinventing the Wealth-as-a-Service value chain and making it possible for Philippine......

Who is additiv? Hear it from our CEO, Nils Frowein


Embedded Finance with Nils Frowein, CEO additiv


How additiv’s WealthTech is driving embedded finance with Michael Stemmle


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Exploring additiv's platform alongside Adi Saric - Head of Delivery


Coop Finance+ App


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additiv's business model evolution


How additiv's WealthTech is driving embedded finance

Digital Platforms & Tools, Technology Strategy & Consulting


How additiv differs from its competitors


Buy versus build: the market status and considerations


Traditional and new products and services of relevance in the future of wealth management


Working at Additiv - focusing on a common mission


Working at Additiv - a particular employee profile


Working at Additiv - a drive for success


Working at Additiv - Supporting our most important assets


SmartWealth: How Commonwealth Bank Indonesia continues to deliver record-breaking innovation

Client Engagement & Management, Digital Platforms & Tools, Technology Strategy & Consulting


How Commonwealth Bank Indonesia and additiv are driving digital transformation in wealth management

Digital Platforms & Tools, Technology Strategy & Consulting


SmartWealth: The strategic rationale for Commonwealth Bank Indonesia to launch its SmartWealth app

Client Engagement & Management, Digital Platforms & Tools, Investment Platforms & Tools, Technology Strategy & Consulting


SmartWealth: Key success factors for launching digital wealth management solutions to the market

Digital Platforms & Tools, Technology Strategy & Consulting


additiv: The importance of implementing a system of intelligence

Core Banking, Technology Strategy & Consulting


additiv: How is additiv meeting the technology needs of the wealth management marketplace?

Software Development & Management, Technology Strategy & Consulting


additiv: Ensuring modern technology infrastructure readiness for wealth managers

Software Development & Management, Technology Evaluation & Selection, Technology Strategy & Consulting


additiv: The main considerations for driving digital transformation

Digital Platforms & Tools, Technology Strategy & Consulting


additiv removes virtual borders using FastTrack for Azure

Market & Business Infrastructure, Technology Strategy & Consulting


Hubbis interview: Technology helps drive dramatic opportunities in mass affluent wealth

Client Marketing & Prospecting, Digital Platforms & Tools, Digital (Robo) Investing, Investment Platforms & Tools


Lessons from the media industry applied to the shifts taking place in finserv [Michael Stemmle]

Business Strategy & Advisory, Technology Strategy & Consulting


Diamonds, dog-food and being an API-first company [Guy Levy]

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Michael Stemmle (additiv): How can banks add value for clients?

Digital Platforms & Tools, Software Development & Management


Michael Stemmle (additiv): What can banks do to boost their trust in these times?

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Everything-as-a-Service and the collaboration dividend

Digital Platforms & Tools, Software Development & Management


additiv: How the firm is developing its solution offering to support the changing technology needs of the market

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additiv: Five questions on technology trends in the wealth management sector

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Business Overview

additiv partners with institutions to create differentiating finance propositions that unlock new profit pools, by leveraging best-in-class technology, complemented by business transformation consulting services and a global network of regulated financial service providers. additiv empowers banks, insurers, asset and wealth managers and non-financial institutions to deliver innovative financial value propositions, offered through their own or via third-party distribution channels.​

  • addWealth - Deliver innovative wealth management value propositions such as goal-oriented investments, retirement, and pension planning, personalized discretionally portfolio management and investment advisory solutions.
  • addBanking - Embed account and payment propositions into your existing customer journeys, spanning current accounts, debit and credit cards, deposits and payment services.
  • addCredit - Offer secured or unsecured loans to consumers in the right context at the right time, with a streamlined origination journey. Aggregate and deliver loan offers from various third-party lenders in real time.​
  • addInsurance - Enhance your offerings and propositions with embedded life and non-life insurance products sourced and orchestrated from the right insurance partners.


additiv serves clients in over 15 countries across Europe, Middle East and Asia Pacific, working with banks (e.g., PostFinance, PT Bank Commonwealth Indonesia), asset managers (e.g., ATRAM), independent advisory firms (e.g., NS Partners), insurance companies (e.g., Zürich), and major non-financial brands (e.g., Coop), to launch wealth management, banking, credit and insurance services within their existing client journey.


Additiv has an ever-expanding number of marketplace partners that helps strengthen their offering through the provision of complementary data,  regulated financial services, professional services or functionality.

  • Regulated service providers such as: Saxo Bank, Interactive Brokers, Baader Bank, Hypothekarbank Lenzburg
  • Professional service providers such as: IKON, SELISE
  • Complementary solution providers such as: Apiax, Clarity AI, Flanks, Futurae, Unblu

Key Data

Year founded
Type of Clients
  • Asset Managers
  • Bank Wealth Managers
  • Brokers/Broker-Dealers
  • Digital Wealth Manager
  • Family Offices
  • Financial Advisors

additiv Solutions

One platform to add financial services: addWealth, addBanking, addCredit and addInsurance

additiv’s platform seamlessly integrates best-in-class technology, regulated third-party financial services, legal and operating frameworks, enabling any distributor to efficiently and effectively provide exceptional, personalized client experiences at scale under their brand.  The platform brings together all parts within the financial services value chain covering investments, credit, insurance and payment services, enabling......

business needs
Client type
client geography presence
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API-First Platform

The additiv platform manages the sourcing, orchestration, and operation of comprehensive regulated financial solutions to deliver end-to-end value propositions in wealth management, banking, credit and insurance services, embedded into everyday digital channels and super apps. Modular Combine different financial service modules and configurations to create differentiating value propositions. Fast time to market Build and......

business needs
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