Wealth Management Cube has reached a cooperation with Shanghai Pudong Development Bank, how to do the B-end business of robo-advisory?

36Kr learned that wealth management Cube and Shanghai Pudong Development Bank recently reached a cooperation to provide core capability support for the latest upgrade of the latter's robo-advisory product "Geek Smart Investment".

Founded in 2014, Money Cube focuses on AI wealth management services for C-end customers, providing users with a portfolio that meets their risk tolerance philosophy with a robust investment philosophy. 36Kr has also introduced in detail the localization concept of robo-advisory of the money magic cube.

On the SPDB APP, "Geek Smart Investment" provides users with different portfolios according to the different levels of risk and return, after the user purchases the smart investment portfolio, the system will judge the health of the portfolio in real time according to market changes, and provide intelligent services such as position adjustment reminders, up and down reminders, intelligent fixed investment, investment analysis and so on.

In this cooperation between Wealth Management Cube and Spgia Bank, it is an intelligent investment management system and intelligent customer analysis management system independently developed by Wealth Management Cube, and the combination of the two systems can realize customer risk evaluation and financial risk customization to form personalized portfolio suggestions.

Yuan Yulai, CEO of Wealth Management Cube, told 36Kr that it is precisely because Wealth Management Cube has accumulated enough C-end customer experience to provide more valuable service solutions for B-end customers. "What B-side customers need is a complete set of business solutions that can be more direct and effective and have a real impact on the business. Since its inception, Wealth Management Cube has firmly done C-end business first, and gradually polished and improved its products by serving a large number of C-end customers, in order to better help B-end customers improve their business. ”

In the B-side service, Wealth Management Cube provides partners with six major business modules, including intelligent customer marketing education, intelligent customer analysis, fund trading, intelligent investment advisor APP service page, intelligent investment management, customer post-investment operation, which can meet the needs of partner business planning, implementation and operation in one stop, and the entire process can be completed in as little as six weeks.

With the development of artificial intelligence, big data and other technologies, as well as the new generation of people's attention to financial management, the robo-advisory track has become a track that has attracted considerable attention in recent years. 36Kr has reported on a number of companies in this track, including money cube, Capricorn Investment, Mi Cai, Blue Ocean Wealth and so on. In the past two years, Wealth Management Cube has achieved full AI-driven and automated asset allocation in the C-end business, with a user repurchase rate of 67% and a fund retention rate of about 500%.

In the future, the financial cube will still focus on C-end business, facing the investment crowd aged 40-45, and expanding more types of assets, such as insurance, private placement, etc., to improve financial investment and customer analysis capabilities, and expand the scale of C-end business. At the same time, Wealth Management Cube will also open up C-end technology business capabilities to serve financial institutions in retail wealth management business, but B-end business will be used as an extension.

"What we do is output at the business level, not the system level. From the business point of view, it is to provide customers with good services, and the core ideas of the B-end and C-end business are the same. Yuan Yulai said.