The digital onboarding process for Zeedin, from the development of an individual investment strategy to the opening accounts, was realized by digital banking software provider CREALOGIX together with a project team from Hauck & Aufhäuser.

Zeedin offers unit-linked asset management starting at 50,000 euros - but uniquely, also offers single digital asset management for investments from 150,000 euros - currently the only asset manager of its kind on the market.

As part of the CREALOGIX MIFID II-compliant onboarding process, in the first instance, investors are asked several questions about their risk tolerance, their investment goals, their investment horizon or their previous experience in the capital market. The CREALOGIX Bionic Robo Advisor then creates an individual investor profile and makes a suggestion for a suitable structuring of its portfolio. The Monte Carlo simulation as well as the portfolio theory according to Markowitz are used as calculation methods. Through a dashboard, interested parties can see at a glance in which industries and countries their assets are invested. They then have the opportunity to make individual adjustments to the chosen risk, asset classes and universe and can then open the portfolio directly online.

Interfaces enable seamless onboarding process

In the development of Zeedin, Hauck & Aufhäuser paid particular attention to personal service. The Bionic Robo Advisor from CREALOGIX makes this possible by providing various interfaces. For example, prospective customers have the opportunity to chat directly with an expert from Hauck & Aufhäuser or to use the co-browsing function for a further discussion. "Thanks to the hybrid approach to consulting, our client advisors are always there for investors - digital and personal at the same time," explains Michael Bentlage, CEO of Hauck & Aufhäuser. "Communication technologies open our asset management to a wider audience because they are more efficient than on-site appointments and just as helpful."

If the onboarding process has to be interrupted, it can continue seamlessly at a later date. The contract itself is also part of the digital onboarding of CREALOGIX: Zeedin customers do not have to manually sign their contract and send it by post, but instead use a video identification procedure based on the identity verification platform IDnow. With the conclusion of the contract, the onboarding process of CREALOGIX ends and the identity of the investor, his customer master data and his investment structure are handed over to Hauck & Aufhäuser.

Digital applications are part of the ecosystem at Hauck & Aufhäuser

Hauck & Aufhäuser already used the private banking portal of CREALOGIX. Zeedin is thus integrated into a comprehensive digital financial ecosystem. Through further APIs, Hauck & Aufhäuser will also be able to integrate third-party and other banks into its digital asset management. Volker Weimer, Executive Vice President of CREALOGIX Germany: "With the highly flexible standard components of our Bionic Robo Advisors, we were not only able to easily integrate into the existing processes, but above all, create a platform that enables agile development at any time."