We empower banks, insurers, asset and wealth managers and non-financial institutions to add innovative financial value propositions via our API-first platform – create, operate, and source financial services on one digital platform
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 financial and non-financial clients to add or complement their existing revenue streams by designing and operating contextually rich financial experiences for each customer at their point of need. additiv provisions a broad range of relevant and comprehensive financial solutions to support goal-oriented investments, pension planning, savings, insurance protection, and employee wellbeing, available on its orchestration platform or as stand-alone pre-packaged solutions.
The additiv platform combines rich functionalities with advanced orchestration capabilities to allow you to combine different financial service modules and configurations to create differentiating value propositions.
addWealth: Provision a broad range of financial solutions to support hybrid wealth management, goal-oriented investments, retirement and pension planning. Serve all customer segments across multiple channels at scale, all in one platform. Our platform seamlessly integrates best-in-class technology, regulated third-party financial services, legal and operating frameworks, enabling advisors and portfolio managers to efficiently and effectively provide exceptional, personalized client experiences at scale.
Functionalities: Order management system (OMS); Portfolio management system (PMS); Client portals and apps; Advisory/discretionary; static model portfolios; dynamic portfolios; thematic portfolios; optimized portfolios; onboarding; CRM; analytics; reporting.
addBanking: Complement your customer value proposition by offering a wide range of customer-centric banking solutions, seamlessly sourced from trusted regulated banking providers. Our Banking-as-a-Service solution embeds regulated banking features right where your customers need them.
Functionalities: checking accounts; savings accounts; payments; debit cards; credit cards; banking services; onboarding; CRM; analytics; reporting.
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. Our Credit-as-a-Service solution brings together regulated lenders, brokers, agents and other third-party services to remove inefficiencies from the credit value chain from origination to arrangement, while allowing institutions to increase their revenue generating opportunities with better insights and a broader offering.
Functionalities: secured loan origination (e.g. mortgages); unsecured loan origination (e.g. consumer credit); offering & pricing; credit risk engine; onboarding; CRM; analytics; reporting.
addInsurance: Enhance your offerings and propositions with embedded life and non-life insurance products sourced and orchestrated from the right insurance partners. Tailor your insurance offerings to seamlessly align with your current portfolio and satisfy your customer’s needs. Our Insurance-as-a-Service solution brings together insurance underwriters, brokers, banks, and other third-party services to allow institutions to boost customer loyalty and profitability with the right insurance offerings.
Functionalities: person-protecting (e.g. Disability insurance); family-protecting (e.g. Life insurance); critical Illness protection; PPLI (Private Placed Life Insurance); income-protecting (e.g. Payment Protection); home insurance; product builder; billing & payments; policy management; claims management; onboarding; CRM; analytics; reporting.
additiv's platform enables financial and non-financial companies to combine different financial service modules to create differentiating value propositions. By leveraging its powerful cloud-native platform and its business transformation services, additiv can build upon any financial company’s existing regulated assets as well as source/add additional external third-party functionality to provide a new, seamless end-to-end solution to existing or new customers.
additiv's platform automates the configuration, management, and interoperability of disparate systems, applications, and services to create a single end-to-end experience. additiv enables financial products and services to be seamlessly combined and offered intelligently and contextualised to end-consumers at their point of need.
Insurers, pension platforms, banks and neobanks, IFAs, wealth and asset managers and consumer platforms can offer tailor-made, low fee, low investment contextual products to suit the needs of the masses. These firms can unlock new use cases and often use proprietary data to improve financial inclusion worldwide, while reducing costs.
CoopFinance+
Coop, Switzerland’s largest retailer, Coop, has partnered with additiv to provide comprehensive banking and investment services seamlessly to their customers.
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ATRAMWealth 360
ATRAM, the largest independent asset and wealth manager in the Philippines, partnered with additiv to consolidate all client segments onto a single digital wealth platform to scale solutions for client-centricity.
PostFinance
PostFinance, one of the largest banking institutions in Switzerland, worked with additiv to enter the digital wealth management market, offering a spectrum investment solutions, from advisory and discretionary mandates, all on one platform.
Zurich Insurance
Zurich Insurance, one of the world’s largest insurance groups, launched investment and retirement offerings to its clients in partnership with additiv.
Commonwealth Bank Indonesia
Commonwealth Bank Indonesia was the first bank in the country to launch a mobile banking application with investment features, CommBank Smart Wealth powered by additiv.
additiv's platform helps create personalised, high-quality wealth, banking, insurance, credit and pensions services via their via API-first platform. It enables firms to produce their own and source third party financial services, or to leverage existing end-to-end financial solutions, such as Hybrid Wealth for a rich and seamless customer advisory experience across all client touchpoints, or Digital Wealth, a digital front-end offering the same superior quality service as traditional advice with the added efficiency of an automated approach. 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., Swiss Life), and major non-financial brands (e.g., Coop), to launch wealth/ pension, banking, credit and insurance services within their existing client journey.
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