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The decision-making platform for Wealth Management

Leading private banks and financial firms use SMART for Wealth Management to drive their business, support their strategy and support their digital transformation.
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Customer Testimonials

They have sometimes taken risks and enabled us to achieve what others thought impossible.

I worked with Cedric Aeberli and his team to develop the interface and the MIS tool based on Avaloq ASSL, they were very responsive and always present over the years to help us improve our QlikView dashboards and accompany us throughout the project.
Marie Françoise Manana Senior Accountant, Alpian
I first met Cedric Aeberli when I was working for Banque SYZ and we were looking for a steering/MIS tool. We did some market research and identified Integraal Solutions. It took me about 30 seconds to recognise the value of their expertise and the power of the tools. As I often say, if I were running a bank, I would have Integraal installed before I arrived and I would be able to understand the strengths and weaknesses of the organisation from day one.
Philip Biber Partner, Sionic
We have been working with Integraal since 2015. We first worked together to implement a consolidated MIS reporting solution for our various entities in the Private Banking business line. This dashboard has become an indispensable steering tool for management and the front office in order to monitor the Bank’s profitability and the performance of our private bankers. Then, thanks to the Framework, we were able to develop other dashboards with Integraal in different contexts to meet the bank’s other needs: the MIS product, which gives us a more detailed view of the bank’s activity at the transactional and client level; a dashboard specific to our Investment department, which provides them with a tool for monitoring their activity, in particular to check that the portfolios are correctly invested according to the allocation models and investment strategies; and also a Compliance dashboard which generates alerts in the AML context. Integraal therefore allows us to meet multiple needs in different areas, with simplicity and efficiency.
Guillaume Maille Head of IT , Banque Audi (Suisse) SA
We have been using the tools of Integraal Solutions SA since 2016. The growth of our activities and the need to have a global analytical vision to support our strategic decisions led us to look for a Management Information System solution. After a review of the various software and service providers available on the market, it became clear that Integraal Solutions met our requirements, including the promise of working with a competent team that listened to our needs. 
SMART for Wealth Management has become our real dashboard, which we have named internally “NS Cockpit”, and I dare say we couldn’t live without it.
Amélie Janssens de Bisthoven Head of Business Intelligence, NS Partners SA
We were pleased to implement the SMART for Wealth Management solution, which measures the monthly activity and profitability of Relationship Managers. Profitability includes the measurement of the direct cost of the sales teams (full salary of the FO, cost of assistants, travel, telephone, IT, etc.). Good measurement improves the dialogue between sales people and management and provides the basis for decisions on the choice of an appropriate sales channel (visit, AI, e-marketing, use of EAM). 
The responsiveness of the Integraal teams and the high level of business analysts enabled us to rapidly deploy dashboards drawing on Avaloq data.
Eric Berling Head of Finance and Accounting, S.P. Hinduja Banque Privée
When I was CEO of Arab Bank in Geneva, we collaborated with Cédric Aeberli and his teams in the implementation of the SMART for Wealth Management and Avaloq solution. We were perfectly satisfied. Cédric is a reliable person who delivers what he promises.
Nicolas Chikhani Banker, CEO, Board Member & Investor

Governance & IT

Chief Data Officer | Data Manager | Data Steward | Equipes Data & BI

SMART for Wealth Management brings a common vision and language to the teams. Whether for the Chief Data Officer, Data Manager, Data Steward, Data & BI Team or IT team, the metrics are shared and common. SMART manages the acquisition, processing and cleaning of reference data. A generic Data-HUB designed to manage in an industrial way the global data of the organisation: description of the organisational structure, description of customers and commercial relationships, description of positions, description of transactions and finally description of accounting and analytical movements. SMART provides an industrialisation of the way of doing things and reusable components to constantly improve the user experience: meeting the needs of the business while guaranteeing security, traceability and, above all, the consistency and quality of the data.

Financial Management

Chief Financial Officer | Management Control

SMART for Wealth Management brings a common vision and language to the teams. Whether for the Chief Financial Officer, the Controllers or their operational teams, the indicators are shared and common. A single, agreed understanding to support strategy and organisational transformation: this is the challenge of a global management platform. The applications are ready to use, dynamic, interactive and enable the famous next question to be answered. Self BI’ comes into its own and allows teams to create their own applications, visuals and analyses while taking advantage of the countless possibilities of ‘story-telling’. It is about giving teams the necessary autonomy, while relying on quality and available data.

Group Functions

Chief Risk Officer | Chief Compliance Officer | Chief Credit Officer | Chief Investment Officer

SMART for Wealth Management brings a common vision and language to the teams. Whether it is the Chief Risk Officer, the Chief Credit Officer, the Chief Compliance Officer, the Chief Audit Officer, the Chief Investment Officer and their operational teams, the indicators are shared and common. A single, universally accepted understanding to support strategy and organisational transformation: that is the challenge of a global management platform. The available applications are ready to use, dynamic, interactive and allow the famous next question to be answered. Self BI comes into its own and allows teams to create their own applications, visuals and analyses while taking advantage of the countless possibilities of ‘story-telling’. It is about giving teams the necessary autonomy, while relying on quality and available data.

Wealth Management

 Head of PB | DeskHead | Relationship Manager | EAM | Business Introducers | … 

SMART for Wealth Management brings a common vision and language to the teams. Whether for the Head of PB, DeskHead, Relationship Manager, External Asset Manager or their operational teams, the indicators are shared and common. A single, simplified understanding to support strategy and organisational transformation: this is the challenge of a global management platform. The applications are ready to use, dynamic, interactive and allow you to answer the next question. Self BI comes into its own and allows teams to create their own applications, visuals and analyses while taking advantage of the countless possibilities of ‘story-telling’. It is about giving teams the necessary autonomy, while relying on quality and available data.

SMART for Wealth Management

Transform the way data drives your business

Data is everywhere and the biggest challenge is the quality of the data. Banking, and especially Wealth Management, is complex and requires being proactive, efficient and pragmatic.

100 %

of business users need quality data in their decision-making processes

Quality of the data is essential

The quality of the data is essential and it must be admitted that not everything is perfect. Data is the result of our business processes: it highlights our strengths and weaknesses. 
We should not expect data to be perfect, it probably never will be; however, we should pay particular attention to key data that have a strong impact on the organisation. A data culture cannot be improvised, it is built over time and requires a strong impetus from the management teams.

3.5 Weeks

Financial institutions significantly reduce the time required to implement a BI platform by using SMART solutions

Do not reinvent the wheel and build on the best of technology

You have to admit your mistakes and not be afraid to rethink your foundations. SMART has been no exception to this rule, which is why we are constantly evolving our solutions. The 2021 edition, the 5th major release of our solution, is based on the best technological components on the market and allows for rapid deployment of pragmatic solutions. We are convinced that the technology exists; it is necessary to use it to create real business solutions.

94 %

of operational teams say they are able to produce the right results on time

A global, common and consistent view of key data

Accessibility to data is a real issue. Users are constantly being asked to produce new reports and to contribute their expertise and know-how. They must be able to produce analyses on reliable, secure and compliant data. Nothing is worse than producing results that are questioned by a sceptical audience. A global and common repository considerably reduces this risk: each consumer actively participates in increasing the quality of his or her data and thus of the whole community.

67 %

of those who use storytelling say they are able to back up their statements with factual information

Technology at the service of users

The storytelling functions allow you to support your words with tangible visuals and factual data. When you rely on facts, it is much easier to achieve your objectives. Trust and agreed-upon facts are the key to audience acceptance. 
The use of dynamic applications, coupled with powerful storytelling features, can instantly answer the famous question that would probably have embarrassed us with a simple static report.

OUR STANDARD APPLICATIONS

A decision-making platform to make your life easier

Profitability
Management
Sales
Efficiencies
AML
Controls
Operations
Excellence
Management
Summary
Financial
Budget & Scorecard

Profitability Management

Profitability management is based on the analysis of accounting and analytical transactions: recurring revenues, non-recurring revenues, direct and indirect costs are automatically broken down in a flexible and dynamic analytical model.

  • Recurring & non-recurring revenues
  • Direct & indirect costs (cost allocation)
  • RoA & CoA (Cost over Assets), gross, net, etc.
  • Cost allocation engine (distribution rules)
  • Cost of Funds
  • Retrocessions (EAM, Business Introducers, etc.)
  • Accruals
  • Recognition (recognition of income and/or costs over several teams)
  • Budgets and targets
  • Organization drill down : Group, Entity, BU, Desks, RM, EAM, etc.

Sales Efficiencies

Supporting the sales teams as well as the management teams in monitoring their objectives.

  • Net New Money, Net New Loan, AuM, Internal Transfers, etc.
  • AuM variation (NnN, NmL, Forex & Market Effect)
  • Client Acquisition vs Churn
  • Penetration rate (of mandates and products)
  • Budgets and targets
  • Scoring and Notation (vs Corporate Benchmark)
  • Organisation drill down : Group, Entity, BU, Desks, RM, EAM, etc.

AML Controls

Enable Compliance teams to facilitate the management and monitoring of their regular audits.

  • First contribution vs. KYC, Large movements, Transit account
  • Cash movements, Qualified tax offences, Rules of conduct, etc.
  • History and log of controls (archiving and traceability)
  • Controls raise alerts (eMails, SMS, reports, push mode, etc.)
  • The controls are integrated into dashboards for the business lines
  • Organization drill down : Group, Entity, BU, Desks, RM, EAM, etc.

Operations Excellence

Support the operational teams in monitoring their objectives and operational excellence.

  • Operations Volume
  • Transfers Reasons & Details
  • Reversal Rate
  • Document Pending
  • Recommandation (buy list)
  • Asset Allocation Models
  • Scoring & Notation (vs Corporate Benchmark)
  • Organization drill down : Group, Entity, BU, Desks, RM, EAM, etc.

Management Summary

To provide management teams with a comprehensive view of the business, trends, risks and objectives.

  • Main indicators: NnM, AuM, Var, Revenues, RoA
  • Budget and target management
  • Scoring & Notation (vs Corporate Benchmark)
  • New Business (Client Acquisition vs Churn)
  • Products & Investment
  • Risk & Compliance
  • Organisation drill down : Group, Entity, BU, Desks, RM, EAM, etc.

Financial Budget & Scorecard

Enable accurate monitoring of Budgets, Objectives and Scoring at all levels of the organisation.

  • Management of budgets and targets available at all levels of the organisation
  • Monthly budget management
  • Scoring allows you to assign a score from 0 to 5 on any indicator
  • Scoring is calculated dynamically at the organisation level (benchmark)
  • Organization drill down : Group, Entity, BU, Desks, RM, EAM, etc.

Profitability Management

Profitability management is based on the analysis of accounting and analytical transactions: recurring revenues, non-recurring revenues, direct and indirect costs are automatically broken down in a flexible and dynamic analytical model.

  • Recurring & non-recurring revenues
  • Direct & indirect costs (cost allocation)
  • RoA & CoA (Cost over Assets), gross, net, etc.
  • Cost allocation engine (distribution rules)
  • Cost of Funds
  • Retrocessions (EAM, Business Introducers, etc.)
  • Accruals
  • Recognition (recognition of income and/or costs over several teams)
  • Budgets and targets
  • Organization drill down : Group, Entity, BU, Desks, RM, EAM, etc.

Sales Efficiencies

Supporting the sales teams as well as the management teams in monitoring their objectives.

  • Net New Money, Net New Loan, AuM, Internal Transfers, etc.
  • AuM variation (NnN, NmL, Forex & Market Effect)
  • Client Acquisition vs Churn
  • Penetration rate (of mandates and products)
  • Budgets and targets
  • Scoring and Notation (vs Corporate Benchmark)
  • Organisation drill down : Group, Entity, BU, Desks, RM, EAM, etc.

AML Controls

Enable Compliance teams to facilitate the management and monitoring of their regular audits.

  • First contribution vs. KYC, Large movements, Transit account
  • Cash movements, Qualified tax offences, Rules of conduct, etc.
  • History and log of controls (archiving and traceability)
  • Controls raise alerts (eMails, SMS, reports, push mode, etc.)
  • The controls are integrated into dashboards for the business lines
  • Organization drill down : Group, Entity, BU, Desks, RM, EAM, etc.

Operations Excellence

Support the operational teams in monitoring their objectives and operational excellence.

  • Operations Volume
  • Transfers Reasons & Details
  • Reversal Rate
  • Document Pending
  • Recommandation (buy list)
  • Asset Allocation Models
  • Scoring & Notation (vs Corporate Benchmark)
  • Organization drill down : Group, Entity, BU, Desks, RM, EAM, etc.

Management Summary

To provide management teams with a comprehensive view of the business, trends, risks and objectives.

  • Main indicators: NnM, AuM, Var, Revenues, RoA
  • Budget and target management
  • Scoring & Notation (vs Corporate Benchmark)
  • New Business (Client Acquisition vs Churn)
  • Products & Investment
  • Risk & Compliance
  • Organisation drill down : Group, Entity, BU, Desks, RM, EAM, etc.

Financial Budget & Scorecard

Enable accurate monitoring of Budgets, Objectives and Scoring at all levels of the organisation.

  • Management of budgets and targets available at all levels of the organisation
  • Monthly budget management
  • Scoring allows you to assign a score from 0 to 5 on any indicator
  • Scoring is calculated dynamically at the organisation level (benchmark)
  • Organization drill down : Group, Entity, BU, Desks, RM, EAM, etc.
Decision

Wealth Management Architecture

Application & Dashboard

Application & Dashboard

Out-of-the-box applications, reference templates and ad-hoc dashboard design tools to facilitate and accelerate adoption.

Starting from scratch is not easy; existing applications allow you to grasp the data and quickly get into an operational context that makes sense. Embedded technology allows you to customise applications and tailor the user experience to your many needs. You are in control and can quickly create your own applications on your own.

  • Model applications available
  • Ability to create and modify your own pages & applications
  • Access to the company’s standard data dictionary (drag&drop)
  • Publication process based on the 4-eye principle (workflow)
  • Independence of the business teams
  • Securing access to data
  • Story-telling, reporting PDF, exports XLS, etc.
  • Based on Qlik Sense technology
Master-Items & Data Dictionary

Master-Items & Data Dictionary

A centralised dictionary of business data, standardised and available to create your applications independently.

KPIs, measures, attributes and other usage data are centralised in a data dictionary designed for the business. The indicators are documented and accessible via an application to find the right information in a few clicks. 
In addition to the standardisation of measures, the data dictionary allows the same language to be spoken: a homogeneous definition, a common understanding and consistent data.

  • Standardisation of indicators and their definition
  • Centralization of business definitions
  • The indicators are dynamic and calculated over time
  • Data Dictionary Application (an application for browsing the dictionary)
  • An intuitive visual interface to browse the data dictionary
Data-HUB for Banking

Data-HUB for Banking

A Staging and a scalable data warehouse, designed for the bank’s business needs.

A generic data model that allows you to quickly have a global data analytics platform. The data comes from your information systems and is integrated into the import area of the HUB, then processed automatically to the final data hub. A single, global data model for all the bank’s businesses.

  • Generic model
  • Multi-database (DBMS)
  • Existing connectors for Avaloq, OLYMPIC Banking System, Allocare AMS & Equalizer
  • Ad-hoc sources (Data Marts, Excel, flat files, etc.)
  • Industrialisation of data processing (Talend Open Source Edition): security, access rights, historical changes, back-dated-transactions, manual corrections, etc.
  • A notion of Views allows simplified access to data
  • Compliance and data quality rules
  • Alerts and Notifications
Decision

Data Management Wealth Management

Data Quality Management

Data Quality Management

The processing of data quality is part of a company strategy. SMART tools allow you to industrialise the controls and the management of quality controls.

A rules engine allows the necessary checks to be carried out throughout the data integration process to guarantee data quality and conformity. The controls cover unit quality, integrity, evolution of indicators over time and a whole set of business rules organised by context.

  • A rule and control engine (Quality Check)
  • All controls are freely accessible and editable
  • The execution of the controls is 100% automated and planned
  • The results of the controls are archived (traceability)
  • Management of alerts (push)
  • Business anomalies are reported to business users’ applications
  • Over 700 existing rules
  • Monitoring dashboards for Data Stewards and Data Managers
Data Foundation Framework

Data Foundation Framework

A Staging and Data-HUB designed for your industry’s data.

A generic data model that allows you to quickly have a global data analytics platform. The data comes from your information systems and is integrated into the import area of the HUB, then processed automatically up to the final data hub. A single, global data model to manage your business data.

  • Generic model
  • 3 integration layers (import, archiving, business data model)
  • Multi database (SQL Server, Oracle, PostgreSQL, DB2, Netezza, etc.)
  • Existing connectors on many ERP systems
  • All types of additional data sources available (Data Marts, Excel, XML, API, flat files, etc.)
  • All processing is open-source (Talend Open Source)
  • The Framework is self-cleaning and can be restarted at any time, even after an error
  • High performance optimisation (DBMS independent)
Data Connector for Banking

Data Connector for Banking

The Data Connector is a set of processes for processing a business data source (Banking ERP) in the Data-HUB.

The main role of the connector is to map the data between the source system and the HUB import area. All data comes from your source systems; there is no format or type transformation required. The Data-HUB has been designed to be able to accommodate the main standard data sources on the market.

  • Contains the business mapping between the source and the import area of the HUB
  • No format transformation required
  • No type transformation required
  • Existing connectors for Avaloq ASSL, OLYMPIC Banking System, Allocare AMS & Equalizer
  • The complexity of data processing is supported by the community
  • All data processing is open-source (Talend Open Source)
Decision

Data Market Wealth Management

Ad-hoc Data sources

Ad-hoc Data sources

Any data source can be integrated into your analytical platform.

From our experience, we know that our customers have not waited for the magic solution and have built many business applications. This data is a real asset and we must be able to capitalise on it. The Framework has been designed to be able to consume this data without questioning its origin.

  • Flexibility of integration
  • Not information redundancy
  • Integration possible at all levels of the platform (Data-HUB, Data-Viz, Analytics)
Cloud Data Market

Cloud Data Market

It is not necessary to systematically go through the Framework to make new data available to the business.

Normalised data accessible in a Cloud Data Market can be directly integrated into a Business Data Lake. The BDL acts as a data concentrator and aggregator and enables the integration of numerous heterogeneous data sources.

  • Cloud Data Market (Data Catalog)
  • External data sources and flows (prices, announcements, markets, etc.)
  • Based on Qlik technology
Core Banking

Core Banking

The existing Data Connector allows the integration of data from the main banking ERPs on the market.

Information systems are constantly evolving and it is essential to be able to integrate new usage data quickly. You need to integrate a new data source? The Data Foundation Framework has been designed to meet this need, in complete autonomy.

  • Generic model designed for business needs
  • Avaloq ASSL connector
  • OLYMPIC Banking System connector
  • Allocare AMS connector
  • Equalizer connector
  • Other connectors in constant development
  • All types of additional sources available (Data Marts, Excel, XML, API, flat files, etc.)
  • All connectors are open-source (Talend Open Source)

Start your Wealth Management project

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