ti&m Smart Investment

Smart investing for your online banking

More and more customers want a simple and fully digital way to build wealth through automated, regular investing. With the ti&m Smart Investment module, you can offer an automated investment solution that is seamlessly integrated into your online banking platform.

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Your customers are already investing—just not with you.

There is growing interest in automated ways to build wealth through regular investments. At the same time, traditional savings accounts have become less attractive, while ETF investments are increasingly popular. However, since most customers don’t want to select ETFs or individual securities themselves and continually rebalance their portfolios, the demand for simple, automated investment solutions is growing.

For many customer segments, traditional investment advice is not economically viable, and banks often lack an appropriate in-house alternative. If you don’t offer a suitable solution, you risk losing customers, assets, and ultimately the customer relationship to other providers.

Smart Investment: the ready-to-deploy automated investment solution for your bank

Smart Investment offers you the same functionality as neobanks, but within your own banking environment. A simple digital process helps your customers determine their risk profile and select a strategy. Smart Investment then takes care of the rest. The investment solution is fully integrated into your online banking platform, so you maintain the customer relationship and stay in control.

Compatible with all core banking systems

Compatible with common banking platforms and core banking systems—for flexible integration.

Seamlessly integrated into your online banking platform

Your customers can see their portfolio directly in your bank’s familiar balance overview.

An operational module ready for integration

Already used by banks and easy to integrate into your own banking systems.

Innovative and future-proof

A seamless customer journey and a comprehensive product range covering everything from Pillar 3a to junior investment accounts.

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The customer journey: From risk profile to finished portfolio—fully automated

Determine the risk profile

Your customers complete the required regulatory questionnaire and, based on their answers, are given a risk profile ranging from Class 1 (conservative) to Class 5 (equity-oriented).

Choose a strategy

You offer a suitable strategy for each risk profile. Your customers choose the strategy, not the individual products.

Invest automatically

The amount is invested on the specified date based on the strategy and model portfolio. Orders are automatically sent to the core banking system.

Maintain target allocations

If the portfolio weightings change, the system automatically rebalances them. This keeps the portfolio aligned with the selected strategy and model portfolio over time.

Your journey: You stay in control and define how Smart Investment operates. One-time setup. Anytime adjustments to changing market conditions.

Step 1

Define strategies

You define the investment strategies and map them to the risk profiles.

Step 2

Select the products

For each strategy, you define the model portfolio and the specific products it contains.

Step 3

Set triggers

You determine when and under what conditions rebalancing is triggered.

The solution scales without any additional effort per customer, while giving you full, centralized control over strategies and products.

Request a demo to see the solution

Growth, revenue, regulatory compliance: The automated investment business is emerging as a strategic priority.

Changing customer behavior combined with growing pressure on margins in the net interest business is making automated investment solutions particularly attractive.

At the same time, increasing the proportion of assets invested is also becoming more important strategically: Large uninvested cash balances mean valuable earnings potential goes untapped for both you and your customers.

Digital Pension + Smart Investment: two modules, one seamless journey.

Closer customer relationships, better customer retention, and additional cross-selling opportunities: You support your customers through every step of the process, from assessing their current pension outlook to selecting a specific investment solution.

Digital Pension and Smart Investment are standalone products in our portfolio that can be seamlessly integrated into each other. This links the retirement planning analysis directly to the next step: choosing the right investment solution. Both products can be fully integrated into your online banking platform or customer portal—for a seamless, end-to-end digital customer journey with a single provider.

Discover now ti&m Digital Pension

COO

Markus Nigg

Experience Smart Investment in a live demo and see how it integrates seamlessly into your banking platform.

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