What Fincite GmbH does

Fincite GmbH is a Frankfurt-based WealthTech company founded in 2015 that builds fincite • cios, a modular, cloud-native, MiFID II-compliant SaaS platform covering the end-to-end wealth management workflow from client onboarding (WpHG profiling, KYC, legitimisation) through advisory and discretionary portfolio management (DPM), strategic asset allocation optimisation with Monte-Carlo simulation and stress testing, 360° asset aggregation across liquid and illiquid assets at multiple custodians, order execution, and regulatory investment reporting. The platform targets private banks, universal banks, family offices, Sparkassen, independent financial advisors, and broker pools primarily across DACH, with active deployments referenced in Switzerland, the Netherlands (ABN AMRO Private Banking), and, via the Harvest alliance, France.

A core differentiator is an integrated AI capability layer branded as CIOS AI, featuring Voice to Action for real-time meeting transcription, CIOS Copilot as a conversational adviser assistant, Trusted Advisor for automated MiFID II suitability and compliance documentation, BuddyX for generative email/PDF creation, and Wealth Forecast for predictive lifetime financial projections that incorporate major life events. The platform is monetised primarily through modular SaaS subscriptions with annual billing, supplemented by usage-based platform fees at enterprise scale, and is accessed through direct enterprise field sales, a 14-day self-serve free trial for SMBs, the Microsoft Azure Marketplace, and the Harvest partnership channel for pan-European distribution.

In December 2025, Fincite entered a strategic alliance with French WealthTech provider Harvest, backed by growth-equity investors TA Associates and Montagu, with a stated objective to double revenue within four years and pursue further acquisitions to become a pan-European market leader. Named customers include Hauck Aufhäuser Lampe (private banking), Berenberg Privatbank, BCA AG, and ABN AMRO Private Banking, the latter a co-development partner for the 'Alfred' product for high-end private banking clients. The platform is reported to serve more than 9,000 financial advisors and 630,000+ end customers, with 93% customer satisfaction, 83% reported cost savings for clients, and an average 17% increase in assets under management reported by advisor users.

Name

Fincite GmbH

Legal name

Fincite GmbH

Website

https://fincite.de

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

51–100 employees

Short description

Fincite GmbH builds fincite • cios, a modular, AI-powered, MiFID II-compliant SaaS wealth management platform serving European private banks, universal banks, family offices, Sparkassen, and financial advisors with onboarding, portfolio optimisation, asset aggregation, and regulatory reporting.

Ownership category

akta.pro rank

Product category

Wealth Management Software

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Alternatives & Multi-Asset Digital Wealth Platforms (PE/VC/Real Assets access) (FSAGAEAL)

akta.pro secondary industries

Robo-Advice for Institutional/Treasury (OCIO-lite, Cash & Liquidity) (FSAGAEAJ), Retirement Planning & Long-Term Financial Planning Tools (FSAGADAI)

Keywords

• Wealth management software
• Investment advisory platform
• Portfolio management SaaS
• MiFID II compliance software
• Digital asset aggregation

Headquarters

HQ city

Frankfurt

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. SaaS Subscription: Modular cloud-based software licensing on subscription basis. Customers can select modules (Onboarding, Beratung, Investment, Ordering, Reporting) and scale as needed.
2. Platform Usage Fees: Revenue derived from processing capabilities and API usage for integrated systems at enterprise clients

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels8 records

Core offering

Fincite GmbH sells fincite • cios, a modular, AI-powered, MiFID II-compliant wealth management SaaS platform that covers the end-to-end advisory process from digital onboarding and WpHG/MiFID profiling through investment advisory, DPM, ordering, and reporting. The platform is sold to private banks, universal banks, family offices, Sparkassen, financial advisors, and broker pools via modular subscriptions, with selected add-ons covering 360° asset aggregation, SAA optimization, Wealth Forecast, BuddyX AI assistant, and a ready-built AVD compliance module for Germany's 2027 retirement reform.

Product overview

fincite GmbH offers fincite • cios, a modular, AI-powered, and MiFID II-compliant Wealth Management platform covering end-to-end digital asset management from customer onboarding to reporting. The platform consists of a core system with integrated AI capabilities (CIOS AI suite) plus modular components including: Modulares Onboarding for WpHG profiling and KYC; Holistische Vermögensplanung for Monte-Carlo simulation, stress tests, and wealth forecasting; Digitale Vermögensverwaltung for MiFID II advisory and DPM processes; 360° Asset Aggregation for consolidated portfolio visibility; End-to-End Digitales Ordering for trade execution; Investment Reporting for regulatory compliance and performance analysis. The AI suite (CIOS AI) provides four distinct use cases: Voice to Action for meeting transcription, CIOS Copilot for adviser dashboard assistance, Trusted Advisor for MiFID II profiling, and hyper-personalised client reporting. Additional AI-powered features include BuddyX for automated document generation and Wealth Forecast for lifetime financial projections. The platform targets private banks, universal banks, family offices, savings banks (Sparkassen), financial advisers, and broker pools across the DACH region.

Differentiator

Problem solved

Functional benefit

Brands

• fincite • cios: Modular, AI-powered, MiFID II-compliant wealth management platform covering the entire process from onboarding to reporting.
• BuddyX
• CIOS AI

Products and services

• fincite • cios Modular, AI-powered, MiFID II-compliant Wealth Management SaaS platform covering the entire advisory process from onboarding to reporting, with selectable modules for onboarding, advisory, investment, ordering, and reporting; targets private banks, universal banks, family offices, Sparkassen, advisors, and broker pools.
• Modulares Onboarding Digital customer onboarding module within fincite • cios covering WpHG profiling, KYC, and legitimisation processes for MiFID II-compliant client acquisition.
• Holistische Vermögensplanung Holistic wealth planning module integrating Monte-Carlo simulation, historical stress tests, wealth forecast, and investment goals for comprehensive client financial planning within fincite • cios.
• Digitale Vermögensverwaltung Digital wealth management module of fincite • cios providing MiFID II-compliant investment advisory and Discretionary Portfolio Management (DPM) processes, including portfolio optimization and portfolio finder capabilities.
• End-to-End Digitales Ordering Complete digital ordering module of fincite • cios covering order creation, processing, documentation, overview, and tracking for seamless trade execution across the advisory workflow.
• Investment Reporting Comprehensive reporting module of fincite • cios supporting aggregation of internal and external portfolios, breakdowns, performance analysis, risk analysis, benchmark comparisons, and ad-hoc regulatory reporting.
• Altersvorsorgedepot (AVD) Compliance Solution Ready-built compliance module within fincite • cios for Germany's new Altersvorsorgedepot (AVD) pension reform effective January 1, 2027, delivering 81% coverage of typical AVD requirements out of the box.
• CIOS Q1 2026 Release Q1 2026 product release of fincite • cios introducing Multi-Client Architecture, Activity Manager, and AISP Refresh to simplify daily workflows for financial advisers.

Quantifiable outcome

• 93% customer satisfaction rate
• +4 more outcomes

Named customers4 records

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability9 records

Feature9 records

Partnerships

Three partnerships are on record, tiered core.

• HarvestcoreStrategic or Co-development Partner · 3 December 2025Two European WealthTech software providers, Harvest (France) and Fincite (Germany), formed a strategic alliance supported by private equity investors TA Associates and Montagu. The partnership aims to create a pan-European market leader through acquisitions, expanding product portfolio and geographic presence across Europe with a goal to double revenue within four years.
• Microsoft AzurecoreTechnology or Integrationfincite • cios is available in the Microsoft Azure Marketplace, enabling globally scalable wealth management deployment on Azure infrastructure.
• ABN AMRO Private BankingcoreStrategic or Co-development PartnerClose collaboration resulted in 'Alfred' product - a tool providing high-end private banking clients with efficiency, quality, and expertise. Alfred is the result of joint development between Fincite and ABN AMRO.

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• Temenos: Temenos is a Swiss-listed global banking software giant offering core banking, wealth management, and digital front-office capabilities. It is a broad incumbent whose wealth management suite competes head-on with Fincite's cios platform, particularly with universal banks and large financial institutions across Europe.
• Envestnet: Envestnet is a US-listed broad wealth management technology provider offering portfolio management, advisory, and data analytics to financial advisors and institutions. It is a broad incumbent competitor whose platform overlaps with Fincite's cios capabilities for larger advisor enterprises.
• SS&C Advent: SS&C Technologies (including Advent) is a large US-listed financial software provider with deep wealth and asset management capabilities. It is a broad incumbent competitor serving many of the same institutional client types (private banks, asset managers, family offices) as Fincite.

Emerging players

• Profile Software: Profile Software is a Greek-headquartered financial software vendor offering wealth management, asset management, and banking solutions across Europe and the Middle East. It is an emerging peer with a comparable modular wealth platform offering targeting mid-sized European institutions.

Direct peers

• InvestCloud: InvestCloud provides a digital wealth management platform with portfolio management, reporting, and client engagement tools for financial institutions. It is a direct peer serving the same enterprise bank/advisor market as Fincite, with comparable AI-driven personalization and modular SaaS delivery.
• FNZ: FNZ is a global wealth management platform that partners with major banks to provide digital advisory, custody, and platform-as-a-service solutions. It is a direct peer to Fincite in serving private banks and universal banks with end-to-end digital wealth management technology at enterprise scale.
• Avaloq: Avaloq (now part of NEC) is a Swiss-headquartered provider of core wealth management and banking software to private banks and wealth managers globally. It is the closest direct peer to Fincite given overlapping customer base (private banks), similar product scope (onboarding to reporting), and shared European WealthTech market positioning.
• Addepar: Addepar is a US-headquartered wealth management technology platform offering portfolio analytics, reporting, and aggregation for family offices, RIAs, and private banks. It is a direct peer in the multi-asset aggregation and reporting space, increasingly expanding into European private banking.
• additiv: additiv is a Swiss-based WealthTech that provides a digital wealth management platform for banks, insurance firms, and asset managers, with strong emphasis on robo-advisory and API-driven modularity. It is a direct peer given overlapping Swiss/DACH customer focus and similar modular SaaS go-to-market.
• CREALOGIX: CREALOGIX is a Swiss digital banking and wealth management software provider serving banks and financial intermediaries in DACH and beyond. It is a direct peer given overlapping product scope (advisory, onboarding, compliance) and similar European private bank customer base.

Market position

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@fincitegmbh5533
• LinkedInlinkedin.com/company/fincite
• Facebookfacebook.com/fincite

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Fincite GmbH