BiWMS

Wealth management is a general term for services that comprehensively manage an individual's assets. The target audience for this system ranges from general investors to professional investors (those with total assets between NT$3 million and NT$10 million)

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RM Workbench

  • RM Home Page

    The system provides a standardized homepage that compiles daily tasks, customer events, performance statistics, product information, bank announcements, frequently used documents, research reports, work plans, and schedules. With simple and comprehensive tabular and graphical presentations, RM can quickly grasp all work tasks.

  • Customizable Home Page

    The system also provides more than 10 commonly used tools that RM can add to their own homepage. These include emails, newsletters, customer segmentation reports, opportunity progress reports, performance statistics reports, customer profit and loss monitoring reports, and frequently used customer statistics reports.

Investment planning and financial planning

Provides calculation tools for feasibility analysis of investment needs and investment plans

  • Balance Sheet Diagnostics

    Clients complete a balance sheet questionnaire so the system can build a personalized balance sheet and cash flow analysis, assess financial health, and provide recommendations on how to deploy capital.

  • Goal Planning

    Based on national statistics, including key data on education, retirement, and major investments, the system allows investors to easily calculate the amount needed to achieve specific goals. Regarding investment methods, clients can choose between single and multiple goals, and the system also provides the likelihood of achieving each goal.

  • Target planning portfolio construction

    To prepare for future funding needs, we generate corresponding financial reserves through goal planning and recommend the most suitable products for our clients to choose from.

  • Requirements Analysis

    The system provides a professional investment needs analysis questionnaire and needs hierarchy table to allocate clients' investment funds in different tiers. The needs hierarchy includes: ensuring cash flow, short-term investment, medium- to long-term investment, and high-risk investment.

  • Asset Allocation

    A practical asset allocation framework for advisory workflows.

  • 投資規劃

    Based on different investment needs, the system dynamically generates corresponding allocation and product suggestions based on pre-prepared suggested combinations to meet different investment needs and ensure the success of investment plans.

Customer Asset Overview

The client asset overview records the client's history and current status of dealings with the bank. The record includes three aspects: client assets, client analysis, and various investment-related services.

  • Client Asset Records

    This includes customer attributes, customer asset status, customer inventory status, transaction records, contact records, customer accounting reports, etc

  • Customer analysis related records

    Includes customer investment behavior analysis, customer investment result analysis, and customer needs analysis.

  • Records of various investment-related services

    Includes financial planning, investment planning, and investment adjustment records

Document Management & Announcements

File Category

This system assigns multiple data tags to documents, including categories such as product, investment, keywords,administrative announcements, and regulations, making document retrieval more convenient.

File Library

The system's search and lookup functions allow users to easily access the documents they need

File Subscription

The system offers a subscription function, allowing users to freely subscribe to their frequently used files.

KYP&KYP Transaction compliance check

  • Transaction compliance audit services

    Regulatory oversight of wealth management and private banking operations frequently undergoes significant changes; often requiring modifications and upgrades to system functionality. To avoid such frequent and substantial system changes, the WMS system provides an independent API query service for transaction compliance checks. Therefore, even a single regulatory change does not necessitate modifications to the entire system. The system contains comprehensive client and product data, as well as most transaction compliance checks. Thus, the WMS system is the ideal provider of such services.

  • Transaction compliance audit services API

    This system provides a transaction compliance verification API, establishes a transaction verification center for the entire bank system, simplifies verification operations across various systems, and addresses highly volatile regulatory requirements.

Success Stories

Wealth Management System
BiWMS : Wealth Management System

T Commercial Bank

Taiwan state-owned bank

"SoftBI's WMS has been an enormous help to us."

T Bank is the largest of Taiwan's state-owned banks by total assets, branch count, customer count, and headcount. Many staff are middle-aged or older, which makes a friendly user interface critical. With many branches and a large team, hourly sales situation reports / performance analytics and automated sales workflows aligned to business priorities are essential tools for managing the sales pipeline.

T Bank's management efficiency and sales performance are now several times higher than before the system was implemented. As the head of the wealth management division put it: SoftBI's WMS has been an enormous help to us.

C Commercial Bank

Largest private bank by accounts and AUM

"End-to-end flow from planning to order execution."

C Bank is the private bank in Taiwan with the most accounts and the largest AUM. As part of a financial holding group, the C Bank system requires tight integration with insurance and securities subsidiary data, and account analytics by related parties and family to build a household-level general ledger.

Driven by the bank's digital transformation agenda, we built a transaction middleware platform on a microservices SaaS architecture so the teller system, online banking, and wealth management platform can easily route trade tickets to each downstream system and receive confirmations. RMs can execute the full flow from advice to order execution directly within WMS.

E Commercial Bank

The most aggressive and innovative private bank

"Top 5 in Taiwan for wealth management performance."

E Bank is the most aggressive and innovative of Taiwan's private banks. In the first year after WMS went live, their wealth management performance still ranked outside the top 10 — and service innovation became the key to their growth. Working closely with their team, we delivered the first iPad-based fund-order workflow and insurance e-signing in any Taiwanese bank, alongside other remote service mechanisms.

To deliver more professional post-investment management to clients, WMS produces high-quality investment analysis reports and portfolio rebalancing reports. These innovations significantly boosted order conversion and service satisfaction. Within five years of go-live, E Bank's wealth management performance had entered the top 5 in Taiwan.