WealthTech company fincite has reported that artificial intelligence (AI) may be capable of supporting up to 70% of advisory tasks by 2030. To facilitate this shift, the firm is promoting its CIOS platform as the essential infrastructure banks require to achieve this goal.
Recognized in the AIFinTech100 in 2025 and a member of the AI Hub Frankfurt, fincite has detailed four specific AI applications integrated into its platform. These innovations have been developed over more than a decade of expertise in wealth management, in collaboration with Microsoft.
This move comes as the demand for AI solutions in the financial sector continues to grow. Fincite’s research indicates that half of wealth managers intend to incorporate AI copilots by 2026. Additionally, advisory meetings augmented with hyper-personalized support are reportedly achieving 30% greater client engagement, while AI assistance speeds up onboarding and documentation processes by four times.
Fincite contends that many banks face an essential barrier not due to a lack of ambition, but rather because of inadequate foundational infrastructure. The company points to fragmented systems, manual procedures, and siloed data as significant impediments to effective AI adoption. To address these challenges, fincite has developed CIOS, a streamlined platform that embeds AI into workflows from the beginning rather than retrofitting it later.
The first application, Voice to Action, addresses a long-standing inefficiency, with fincite estimating that 40% of the time spent in advisory meetings is currently devoted to manual data entry. This tool transcribes discussions in real time, automatically identifies assets and liabilities as they arise, and proposes follow-up questions to further enhance the client profile. Advisers can review and confirm the transcribed data with a single click, simplifying the process considerably.
The second feature, CIOS Copilot, operates seamlessly within the adviser dashboard. It utilizes existing client, portfolio, and compliance information to provide on-demand portfolio performance summaries, generate executive briefs in seconds, identify compliance gaps, and highlight cross-selling opportunities. Custom prompts can be tailored to fit unique workflows that do not adhere to standardized templates.
Fincite’s third use case, Trusted Advisor, specifically addresses the MiFID II profiling requirements. The company notes that 90% of client profiling sessions currently exceed 45 minutes and frequently do not meet necessary documentation standards. Trusted Advisor aids advisers throughout this process, proposes regulatory-compliant questions, and organizes client information in a structured format to produce a complete investor profile encompassing a knowledge score, risk capacity assessment, and comprehensive investment profile.
The fourth application is hyper-personalized reporting, which fincite claims addresses issues related to manual report creation that is both time-consuming and inconsistent. Automated reporting is viewed as a crucial factor for client retention, as this tool generates tailored reports based on each client’s portfolio, objectives, and previous activities, which can be shared directly from the platform on demand.
Fincite differentiates its offerings from generic AI solutions by emphasizing that the CIOS platform is built on wealth-specific data models. These include mandates, suitability requirements, and regulatory considerations. The company highlights that the system is designed to prioritize human involvement, with AI performing repetitive tasks while the adviser maintains overall oversight. Furthermore, it includes robust governance, audit trails, and role-based access controls.