Why we’re launching a Partner Ecosystem
Uncertainty has come to define our age. The world is more risky, more complex, and more challenging to navigate than ever.
Young adults are taking longer to find independence. Property is becoming unaffordable. Healthcare costs are outpacing incomes. We are all living longer, meaning that we need to plan our own long-term care. This is leading to uncertainty and anxiety about our futures.
We have all been forced to become investment officers and risk managers for our personal finances – and those of our families. And yet, most of us don’t know how to perform this role. We lack the skills to manage this age of uncertainty. When it comes to assessing and planning our futures, much of our decision-making is based upon guesswork, which has wide-ranging and negative consequences for us, for our families, and for wider society.
This is one of the great challenges of our time. At Envizage, we have a solution.
We’re excited to announce an ecosystem of like-minded partners, each dedicated to solving a part of this challenge. Our network seeks to empower people everywhere, allowing them to make informed decisions about their futures and enabling the financial services industry to serve them better than it does today.
The Envizage ecosystem allows clients to design unique, highly differentiated applications that solve this challenge. Together, we look forward to delivering our mission to improve future consumer outcomes through more engaging approaches to decision-making. By working together and pooling our unique capabilities, we envizage a better future for everyone.
Will Stevns, wealth & asset management partner at PwC, said: “PwC is delighted to be a founding member of the Envizage partner ecosystem. Our broad capabilities help allow our financial services clients to make the most of Envizage’s holistic advice engine. Envizage has the potential to transform the way financial products are explained and sold to consumers. We look forward to working with our clients and Envizage to help consumers achieve better outcomes in the future.”
Contact: Will Stevns | +44 20 72 12 28 52 | william.stevns[at]pwc.com | pwc.com
Kartik Pawan, head of fintech at Capgemini, said: “We are delighted to partner with Envizage. Their patented simulation-based analytic engine fills an unmet need for consumers by helping them understand their choices and tradeoffs and putting financial products in the context of their lives and futures. We believe it can help us deliver differentiated and compelling digital solutions for our financial services clients across the world.”
Contact: Kartik Pawan | +1 415-481-7839 | kartik.pawan[at]capgemini.com | capgemini.com
Stephen Wilson, Managing Director at TAB, said “TAB is thrilled to be part of the Envizage partner ecosystem. Combining Envizage’s patented analytical engine with our own specialism in experience design and end-to-end technology delivery within financial services, we see a tremendous opportunity to truly transform the way consumers think and engage with their finances. We look forward to working with Envizage and our clients to deliver more impact and make financial products and services work better”.
Contact: Sam Bhatt | +44 7957 594 094 | sam.bhatt[at]theappbusiness.com | theappbusiness.com
User Experience and User Interface Design
Matt Brooke-Smith, founder and CEO, said: “Envizage tackles one of life’s truly difficult problems – how to get society to plan for the future. We’ve been working with them since the early days of their project to convert their passion into engaging user experiences with the power to change the way people think about financial products and services – for the better!”
Contact: Eloise Bloniarz | +44 20 7183 1061 | eloise[at]futureworkshops.com | futureworkshops.com
Marcus Thornley, founder and CEO, said: “Envizage share our belief that concepts from the world of computer games can increase consumer engagement and drive better future outcomes for consumers of financial services. We are delighted to be a part of their ecosystem and look forward to applying our unique skills and experience to bring their powerful engine to life.”
Contact: Marcus Thornley | +44 20 3780 8774 | marcus[at]play-consult.co.uk | play-consult.co.uk
Marilyn Cole, founder, said: “Our mission is to enrich the relationships financial brands have with their customers by simplifying the world of money. Envizage’s unique proposition fits our mission and we look forward to growing our collaboration with them in the U.K. and Australia.”
Contact: Marilyn Cole | +44 14 83 40 06 80 | marilyn.cole[at]space01.co.uk | space01.co.uk
Renaud Million, co-founder and CEO, said “Helping consumers to make better financial decisions through their life is a very rewarding yet complex challenge due to the changing nature of the world we live in. The complementarity of the technologies and experiences of Envizage and SPIXII creates a strong and unique proposition to address this challenge. We are looking forward to making an impact through a fruitful partnership.”
Contact: Renaud Million | +44 20 3488 2890 | info[at]spixii.com | spixii.com
Lowell Putnam, founder and CEO, said: “Quovo’s account connectivity technology complements the Envizage analytic engine, allowing consumers to make better, more confident financial decisions. We have already collaborated with Envizage to deliver differentiated solutions for leading global financial institutions and we look forward to building on this experience to take the Envizage ecosystem to the next level.”
Contact: Yelena Reznikova | +1-212-643-0695 | info[at]quovo.com | quovo.com
Samantha Seaton, CEO of Moneyhub, commented: “Managing money is complex, difficult and getting harder. People struggle to make informed decisions about their futures and millions are still not saving enough for retirement. At Moneyhub, we are passionate about the role of technology and data in empowering people to better understand and manage their money, and to improve lifetime financial wellbeing . Envizage shares this philosophy. Our partnership will help advisers and customers looking to achieve better financial outcomes in the future.”
Contact: Jon Hart | +44 117 280 5120 | jon.hart[at]moneyhub.com | Moneyhub.com
Francesco Simoneschi, CEO and Co-founder of TrueLayer, said: “TrueLayer are delighted to join the Envizage partner ecosystem. We bring our modern Open Banking and PSD-2 API, together with our authorisations as an Account Information Service Provider (AISP) and Payment Information Service Provider (PISP) to the ecosystem. TrueLayer is a natural fit with Envizage – our data can feed into the Envizage engine to help customers identify and address the needs and gaps when planning for their future”
Contact: TrueLayer Team | hello[at]truelayer.com | TrueLayer.com
Behavioural Finance: Decision Support, Suitability, and Client Profiling Tools
Greg B Davies, head of Behavioural Finance, said: “Oxford Risk understands the vital importance of using behavioural approaches to help people navigate complexity, make better decisions, and feel comfortable with those decisions. Envizage are a partner with a thoughtful and holistic view of how investor goals and objectives should guide financial planning; and one with a close alignment to our own philosophy. Their software complements our behaviourally grounded financial personality, risk capacity, and investment suitability tools.”
Contact: Nick Charnley | +44 (0) 203 9412807 | nick.charnley[at]oxfordrisk.com | OxfordRisk.com
Automated Advice Journeys and Capital Markets Assumptions
Paul McNamara, Chief Executive Officer said: “EValue is thrilled to partner with Envizage to provide direct access to our new easy-to-integrate APIs and our industry-leading long-term capital markets assumptions. EValue’s solutions complement Envizage. We hope that our APIs will allow providers to develop more innovative and engaging user experiences for consumers, that can in turn drive more informed decision-making.”
Contact: Andrew Storey | +44 79 89 33 74 22 | andrew.storey[at]ev.uk | ev.uk
Jose Supico, Chief Executive Officer, said: “Advicefront has partnered with Envizage to work on solutions that allow both advisers and consumers to harness the power of data, behavioural finance and a great user experience when giving and receiving advice, resulting in great client outcomes and a truly scalable workflow for financial advisory firms. Both companies are passionate about what they are trying to achieve and how they can help foster financial wellness around the world.”
Contact: Jose Supico | +44 74 41 91 70 77 | jose[at]advicefront.com | advicefront.com
Portfolio and Tax Optimization
Sean Slotterback, founder and CEO, said: “Envizage shares Decipher’s vision to look beyond the current state of financial planning towards a holistic and technologically-driven approach delivered through APIs. Our quantitative approach to the investment portfolio provides personalized strategies that dovetail perfectly within Envizage’s holistic approach to help consumers plan for the future.”
Contact: Sean Slotterback | +1 415 964 1618 | sean[at]decipherfinance.com | decipherfinance.com
Financial Information Provider
Zahid Bilgrami, Chief Executive Officer, said “We are delighted to partner with Envizage. Envizage and Defaqto both share the vision that the integration of technology and data can help improve outcomes for both consumers and their financial advisers. We look forward to growing our collaboration together.”
Contact: Lindsey Baldwin | +44 1844 295532 | lbaldwin[at]defaqto.com | Defaqto.com
Economic modelling content and expertise
Phil Mowbray, Senior Director of Wealth and Pensions Solutions at Moody’s Analytics said, we are delighted to partner with Envizage to provide our economic modelling expertise and support our joint passion to engage customers and improve financial outcomes.
In a world where individuals face increasingly complex financial risks, Moody’s Analytics economic modelling solutions illustrate the likely range of financial outcomes for any investment strategy and cash flow profile. These solutions complement Envizage’s capabilities, helping customers to understand, measure, and manage their financial risk.
Contact: Phil Allen | +44 207 772 1411 | phil.Allen[at]moodys.com | moodysanalytics.com
Fabrice Mouret, CEO and Co-founder of Prescient Security, said: “We are thrilled about our partnership with Envizage. Envizage is able to provide unique approaches to help consumers guide their financial decisions while also always maintaining a security-first mentality. We are proud to be able to offer our penetration test & assessment security services to Envizage, helping them to create reliable and safe solutions for their clients. We are excited to be a member of their partner ecosystem and to continue to help consumers manage their financial futures in an informed and secure way.”
Contact: Fabrice Mouret | +1 646 337 7386 | fabrice.mouret[at]prescientsecurity.com | prescientsecurity.com
White label insurance provider
Marco Kamerling, CMO, said: “iptiQ is delighted to be part of the Envizage ecosystem. We bring our expertise in insurance products and a powerful white label platform that enables smooth, digital and automated insurance sales processes. Once consumers receive an assessment of their financial needs, we empower them to get the appropriate cover in a simple and fast manner; helping them secure their financial future.”
Contact: Marco Kamerling | +41 43 285 18 61 | marco_kamerling[at]swissre.com | iptiQ.com
Client Lifecycle Management
Antony Bream, MD – UK and Americas, Wealth Dynamix, commented: ‘Relationship managers typically spend more than 55% of their day on administrative tasks driven by manual processes and the data sitting in multiple disparate systems. The role of the front office has to become proactive with more time spent on value-added tasks that build client trust and relationships. The combination of the Wealth Dynamix Client Lifecycle Management (CLM) platform and the Envizage analytics planning engine provides both relationship managers and clients with the necessary data in context, aggregated into one platform, which is essential to deliver service excellence.
Contact: Antony Bream | +44 (0) 20 3725 7549 | connect[at]wealth-dynamix.com | www.wealth-dynamix.com
Francesca Carlesi, Co-Founder & CEO said ‘Molo are delighted to partner & collaborate with Envizage. As the UK’s first fully digital buy-to-let mortgage lender, Molo exists to reimagine forever how we get a mortgage. We’ve leveraged the power of technology to provide customers with a revolutionary digital-first experience. We’re excited about our partnership & journey together with Envizage to help consumers on their online seamless journey.
Customer Relationship Management
Peter Reading, Co-Founder & CEO said ‘We are delighted to partner with Envizage. Qwil Messenger is a secure and compliant chat platform connecting staff and clients for multiple firms. Our partnership means that customers can utilise our conversational interface to seamlessly integrate with the Evizage APIs to provide a great user experience for both the advisers and the clients.
Envizage (a trading name of Lifescale Limited) develops simulation-based analytic software that helps consumers identify, understand and manage the risks to their future plans. Envizage partners with banks, insurance companies and asset managers to create unique applications powered by its holistic analytic platform, which are made available to the customers of our clients. Our mission is to enable individuals and households to improve their future and manage the uncertainties that lie ahead.