WealthTech firm fincite says artificial intelligence could support up to 70% of advisory tasks by 2030 and is positioning its CIOS platform as the infrastructure layer banks need to get there.
The company, which was part of the AIFinTech100 in 2025 and is a member of the AI Hub Frankfurt, has outlined four distinct AI use cases built into its platform, developed over 11 years of wealth management expertise in partnership with Microsoft.
The push comes as appetite for AI in the sector accelerates. According to fincite, half of wealth managers plan to integrate AI copilots by 2026, whilst advisory meetings enhanced with hyper-personalised support are delivering 30% more client engagement. Onboarding and documentation processes, the firm adds, can be completed four times faster with AI assistance.
Fincite argues that the central obstacle for most banks is not a lack of ambition but a lack of foundation. Fragmented systems, manual processes and siloed data are preventing meaningful AI adoption. Its answer is CIOS, a unified platform in which AI is embedded into the workflow from the outset rather than layered on top.
The first use case, Voice to Action, addresses a persistent inefficiency: fincite estimates that 40% of every advisory meeting is currently consumed by manual data entry. The tool transcribes conversations in real time, automatically identifies assets and liabilities as they are mentioned, and suggests follow-up questions to deepen the client profile. All relevant fields are populated automatically, with the adviser reviewing and confirming the output in a single click.
The second tool, the CIOS Copilot, operates directly within the adviser dashboard. It draws on existing client, portfolio and compliance data to generate portfolio performance summaries on demand, produce pre-meeting executive briefs in seconds, automatically flag compliance gaps across a portfolio, and surface cross-selling opportunities proactively. Custom prompts can also be configured to accommodate workflows that fall outside standard templates.
Fincite’s third use case, Trusted Advisor, targets the MiFID II profiling process. The company notes that nine out of ten client profiling sessions currently take longer than 45 minutes, frequently without achieving the regulatory depth required for proper documentation. Trusted Advisor guides advisers through the process, suggests regulatory-aligned questions, and captures client knowledge across asset classes in a structured format. The output is a complete investor profile, including a knowledge score, a risk capacity assessment and a full investment profile.
The fourth use case is hyper-personalised reporting. Fincite describes manual report production as both time-intensive and inconsistent, and positions automated reporting as one of the strongest levers for client retention. Its tool generates individual reports based on each client’s portfolio, goals and prior activity, and can be shared directly from the platform on demand.
Fincite draws a distinction between its approach and generic AI tooling. The CIOS platform is built around wealth-specific data models that incorporate mandates, suitability requirements and regulatory obligations. The company says the system is designed to be human-first, with AI handling repetitive tasks whilst the adviser retains overall control, and that it includes enterprise-grade governance, audit trails and role-based controls.
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