Ask three teams inside a financial institution to describe the same savings product, and according to Kidbrooke, you may well get three subtly different answers.
Pricing lives in one spreadsheet, contribution and tax rules sit in a policy document, and the customer projection is tucked inside whichever calculation engine was available when the journey was built. Each version may be accurate in isolation, but over time they diverge, and someone has to catch the discrepancy before a customer does.
In the latest instalment of its series on KidbrookeONE, the WealthTech firm turns to the first stage of its platform lifecycle: design. Before a customer buys a product or an adviser recommends one, Kidbrooke argues, an institution needs a single trustworthy definition of the product, the local pension and tax rules that govern it, and a projection engine set up to show where it could lead.
The challenge is consistency. Product universes, risk profiling, fees, contribution rules and projection assumptions must align across every channel and partner interface. When they are scattered across disconnected tools, every change has to be copied by hand, and each copy is another opportunity for versions to split apart.
Kidbrooke identifies two areas where the hardest problems typically sit. Pension and tax rules vary by market and errors are expensive, while projections are only valuable if customers believe the numbers. KidbrookeONE addresses both natively, through a rules engine encoding genuine local logic and a simulation engine that turns a product definition into thousands of possible future scenarios.
Underpinning this is a shift in mindset: treating product design as versioned configuration rather than an engineering ticket. Four capabilities support it, and firms can adopt them together or individually.
Product Universe & Configuration provides a central source of truth for investment products, pensions, insurance products and model portfolios. Funds and portfolios can be added, edited or retired through one interface or API, with changes flowing automatically to customer portals, adviser tools and distributor platforms. Multiple universes can run side by side, supporting different approved lists and platform-specific fees, with every change versioned.
The Market & ESG Data Hub connects once to third-party sources of fund, pricing and sustainability data, then cleans, enriches and serves it through a single set of APIs, so analysis, advice, illustrations and reporting draw on identical figures.
The Pension & Tax Rules Engine embeds local regulation directly into product and analytical configuration. Rules for Sweden, Switzerland, the UK, the UAE and Singapore are ready to use, and Kidbrooke says new markets can usually be added within a couple of weeks.
Finally, the Scenario & Projection Engine uses Monte Carlo simulation to combine assets, liabilities, income, pensions and tax into one probabilistic view. Kidbrooke highlights its granularity, its speed from single client to enterprise scale, and its modularity, allowing firms to apply house views or Kidbrooke’s global outlooks.
The payoff, Kidbrooke contends, is that quotes, adviser illustrations, self-service projections and issued contracts all trace back to the same definition. Adjust a fee or a tax rule and the change applies everywhere at once. That, the company argues, is what gives customers a reason to trust what they see, and turns launching a product or entering a market into an extension of configuration rather than a rebuild.
For more, read the full story here.
Copyright © 2026 FinTech Global
