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Efficiency rather than hype – wealth managers have to bank on compliant AI
Published: 05.09.2025 | By investify
Hardly any other topic has dominated public debate in recent months as much as artificial intelligence (AI). Whether in industry, in everyday day or in highly regulated sectors like the financial world: AI is becoming the key technology of digital transformation. But how much substance is there behind the hype? And what role can AI actually play in wealth management?
As a technology provider for digital wealth management, we at investify TECH encounter these questions on a daily basis – and we approach them with an attitude that strikes a balance between visionary thinking and responsible implementation.
Safety and responsibility first
AI is often viewed critically in the context of wealth management – and not entirely without good reason. This is an important topic, particularly for renowned companies such as our clients Signal Iduna, LBBW or Fonds Finanz. Because questions relating to data security, the transparency of automated decisions and regulatory conformity are crucial. Who decides about investment processes? Who is responsible? And where exactly are sensitive data processed?
We take these concerns very seriously. As a technology and regulatory provider, dealing with technology and regulatory questions together and providing one-stop-shop solutions for our clients is part of our company’s DNA. This is why we are currently using AI as a tool to increase efficiency in our internal software development. In addition, we are developing secure solutions to further integrate AI into our wealth management platform.
AI as a driver of efficiency in development
In practical terms, this means: Recurrent tasks such as document preparation, code analysis or creating unit and integration tests are supported or even automated by AI-assisted tools. Already today, the intelligent use of AI means that 30 developers can achieve the same output as 50 in the past – without compromising on quality!
The decisive advantage: The rate of development increases, while compliance with regulatory provisions continues to be ensured through structured processes and clear guidelines.
Strict governance and compliance at investify TECH
Dealing responsibly with AI is important, particularly in the highly regulated financial industry. For this reason, we established company-wide governance early on, for example, in the form of an AI policy that regulates all application scenarios. This policy is supplemented by adaptations in our IT security and IT strategy guideline and through sector-specific guidelines governing the use of AI.
To ensure data sovereignty, we operate our own, self-hosted platform for AI tools. The platform is fully integrated into our system landscape, enables access control via central rights concepts, and does not require individual user accounts with third-party providers.
Smart use instead of flying blind
In our daily development work our teams use professional tools such as JetBrains AI or ClaudeCode directly in our development environment. In doing so, we follow an agent-based approach: Instead of general prompts, we work with specialised agents such as the “Architecture Bot” (for design decisions), the “Documentation Bot” (for guidelines and manuals) or the “Support Bot” (for internal enquiries). These agents do not access uncontrolled external knowledge sources, but rather curated knowledge databases maintained by us.
Ansgar Wigger, Managing Director of investify TECH
Advisors? Even better: build own expertise
A common mistake in AI integration is blindly relying on external advice. Our experience has shown: True added value can only be created if internal company expertise is built up. Because only those who understand the technology can use it in a targeted and compliant manner – and prevent AI from becoming an expensive marketing phrase. For this reason, we took a series of measures at an early stage to integrate AI into our daily business at a high level. We already see ourselves very close to achieving our goal of being a pioneer in the use of compliant AI in wealth management through the use of modern tools, competent employees and the integration of technology and compliance.
Conclusion: AI as a tool, not as a miracle cure
At investify TECH we see AI not as a trend or gimmick, but rather as a productively used efficiency technology. When used correctly, it can accelerate development, reduce complexity and increase quality – without relinquishing control or responsibility.
In our platform, AI supports the digitalisation of wealth management in a meaningful way. The prerequisites for this are clear governance, a structured knowledge base and regulatory awareness. But one thing remains clear: the focus remains on people. Because trust, empathy and individual advice cannot be automated (yet). And that is a good thing.
