Oxford Risk
Oxford Risk is a UK behavioural finance software firm that provides psychometric investor suitability, risk profiling, ESG and retirement income assessment tools to banks, wealth managers, digital advisers and pension providers, delivered via white-label applications or API integration.
- Company typePrivate
- Founded2002
- HeadquartersLondon, United Kingdom
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Oxford Risk does
Oxford Risk is a UK-based behavioural finance software company that develops psychometric suitability and engagement tools for financial institutions, wealth managers, banks, digital advisers and pension providers. Its core product, Investor Compass, is an end-to-end suitability assessment built on proprietary psychometric questionnaires developed through University of Oxford collaboration, measuring multiple dimensions of investor financial personality including Risk Tolerance, Composure, Confidence, Impulsivity, Behavioural Capacity and Familiarity Preference, alongside risk capacity, knowledge and experience, and MiFID II-aligned sustainability preferences. The portfolio also includes Behavioural Engagement Technology (claiming 10%+ organic AUM growth and 2-6x engagement uplift), Risk Mapping for whole-of-market fund risk and return measurement, Retirement Income Suitability for drawdown and guaranteed income balancing, and the Oxford Risk Rating Online (ORRO) platform for fintech API embedding.
Underlying analytics combine validated questionnaire scoring, predictive modelling over a dataset of 87,109 assessed investors, and optimisation using indifference curves to match investors to suitable portfolios. Oxford Risk monetises through annual subscription and enterprise licensing, deploying either as a white-label web application out-of-the-box or via API integration for embedding into third-party platforms. Its go-to-market combines direct enterprise field sales to banks and wealth managers with an API-first channel for fintechs and digital advisers, supplemented by content-led demand generation (whitepapers, webinars, blog thought leadership) and a dedicated European MiFID II motion. Notable customers include HSBC, Goldman Sachs, NatWest, Hargreaves Lansdown, M&G, Abrdn, Rathbones, Brewin Dolphin, Royal London, Handelsbanken and Boubyan Bank, supported by ISO/IEC 27001 certification.
Oxford Risk firmographics
Firmographics- Name
- Oxford Risk
- Legal name
- Oxford Risk Limited
- Website
- https://oxfordrisk.com
- Company type
- Private
- Founded year
- 2002
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Oxford Risk is a UK behavioural finance software firm that provides psychometric investor suitability, risk profiling, ESG and retirement income assessment tools to banks, wealth managers, digital advisers and pension providers, delivered via white-label applications or API integration.
- Ownership category
- akta.pro rank
Oxford Risk industry classification
Industry- Product category
- Behavioural Finance / WealthTech Software
- NAICS
- Portfolio Management and Investment Advice (52394), Portfolio Management and Investment Advice (523940)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Risk Management Consulting (Enterprise & Operational Risk) (FSAEADAG)
- akta.pro secondary industry
- Sustainability Risk & Scenario Analysis (Climate Risk, Stress Testing, Portfolio Alignment) (FSAAALAM)
Keywords
Where Oxford Risk is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Oxford Risk business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- Software Licensing/Subscription: Oxford Risk appears to operate on a software licensing model, providing their behavioural finance software solutions to financial institutions, wealth managers, and advisers on a subscription or license basis. The company offers both out-of-the-box white-labeled applications and API integration options.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise licensing with modular components |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels7 records
Oxford Risk product offering
Product offeringCore offering
Oxford Risk is a behavioural finance software company that builds risk profiling, suitability assessment, and client engagement technology used by financial institutions, wealth managers, and digital advisers to measure investor risk tolerance, deliver compliant advice, and grow assets under management. Its portfolio spans an end-to-end suitability platform (Investor Compass), behavioural engagement technology, fund risk measurement (Risk Mapping), retirement income suitability tools, and the ORRO online risk rating platform, supplemented by bespoke research and consulting.
Product overview
Oxford Risk offers a modular behavioural finance software platform with multiple integrated solutions. The core offerings include Investor Compass (primary suitability assessment), Behavioural Engagement Technology (engagement and AUM growth), Risk Mapping (fund risk measurement), and Retirement Income Suitability. The platform is built on psychometric assessment methodologies and provides white-labeled web applications available out-of-the-box or via API integration. Additional modules include the Responsible and Sustainable Investing Assessment for ESG preferences, and bespoke consulting services. All solutions are designed to work together as an integrated system for comprehensive investor suitability.
Differentiator
Problem solved
Functional benefit
Products and services
- Investor Compass End-to-end suitability assessment software that enables advisers and institutions to evaluate investor risk tolerance and deliver compliant, personalised investment recommendations.
- Behavioural Engagement Technology Engagement technology designed to deepen client relationships and support AUM growth through behavioural finance-driven interactions for wealth managers and advisers.
- Risk Mapping Fund risk measurement tool that quantifies the risk profile of investment funds to support portfolio construction and risk reporting for advisers and fund selectors.
- Retirement Income Suitability Retirement-focused suitability solution that helps advisers assess clients' decumulation needs and match them with appropriate retirement income strategies.
- ORRO (Oxford Risk Rating Online) Online risk rating platform that delivers behavioural finance-based investor risk profiling and suitability scoring via a web-accessible interface for financial advisers and institutions.
- Research and Consulting Services Bespoke research, behavioural finance consulting, and custom risk profiling studies delivered to financial institutions and wealth managers.
Quantifiable outcome
- On average, investors lose 300bps (3%) per year due to emotional decision making - Oxford Risk's tools help reduce this loss by improving investor comfort and reducing anxiety-adjusted returns drag
- +4 more outcomes
Companies that use Oxford Risk
Customer profileNamed customers11 records
Segments5 records
Ideal customer profiles1 record
Oxford Risk technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability6 records
Feature9 records
Oxford Risk partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered flagship and core.
- Standard LifeflagshipOxford Risk and Standard Life, a retirement specialist focused entirely on retirement savings and income, co-published a joint white paper titled 'Beyond Risk: Matching Solutions to People'. The partnership focuses on demonstrating how behavioural finance insights can improve the matching of investment solutions to investors, particularly regarding smoothed funds as behavioural support tools.
- NomocoreOxford Risk partnered with Nomo, a UK-based Sharia-compliant digital wealth and banking platform, to power risk suitability assessment for Nomo's new investment proposition targeting customers across the GCC (Gulf Cooperation Council) region. This partnership enables Nomo to offer compliant, behaviourally-informed suitability assessments for Islamic finance customers.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
Oxford Risk competitors and assessment
Company assessmentDirect peers
- FinaMetrica: FinaMetrica provides psychometric risk tolerance profiling tools to financial advisers and institutions globally, directly competing with Oxford Risk's ORRO and Investor Compass offerings in the suitability assessment category.
- FE Fundinfo: FE Fundinfo is a major provider of fund data, risk ratings, and regulatory tools to asset managers and advisers across Europe, competing in the same risk-mapping and fund-suitability space as Oxford Risk.
- Intelliflo: Intelliflo offers practice management and client onboarding software for UK financial advisers, overlapping with Oxford Risk's white-labelled suitability and engagement tooling within the same adviser customer base.
- Moneyhub: Moneyhub provides financial data aggregation, open banking, and risk/affordability assessment APIs to UK wealth managers and fintechs, competing with Oxford Risk on API-embedded suitability and client insight use cases.
- Distribution Technology (Defaqto/Adviser Kite): Distribution Technology provides risk-rated fund research and suitability tools for UK advisers, directly competing with Oxford Risk's Risk Mapping and rating capabilities for product-provider and adviser workflows.
- Dynamic Planner: Dynamic Planner offers risk profiling and financial planning tools to UK wealth managers and advisers, overlapping with Oxford Risk's Investor Compass and retirement suitability products in the same primary customer segment.
Broad incumbents
- Avaloq: Avaloq provides comprehensive wealth management platform software to banks and wealth managers globally, with adjacent suitability and client profiling capabilities that overlap with Oxford Risk's enterprise offerings.
- FNZ: FNZ is a large wealth management platform provider serving global financial institutions, with built-in onboarding, suitability, and engagement features that compete with Oxford Risk's enterprise solutions at platform-buyer level.
- Morningstar (Risk and Suitability tools): Morningstar offers a broad suite of investment research, portfolio analytics, and risk profiling tools to advisers and institutions globally; while not exclusively focused on behavioural finance, it overlaps with Oxford Risk's risk mapping and suitability assessment offerings.
Emerging players
- AdviceRobo / Tink Risk Insights: Tink (Visa-owned) and similar open-banking-driven risk and affordability analytics providers represent emerging API-first competitors targeting the same digital adviser and fintech segments as Oxford Risk's ORRO platform.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Oxford Risk social profiles
Digital presenceOxford Risk compliance and trust
Trust signalCompliance1 record
Oxford Risk financial estimates
Financial estimateRevenue estimate
Valuation estimate
Oxford Risk leadership team
Management profileNumber of profiles
Oxford Risk funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Oxford Risk M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Oxford Risk
What does Oxford Risk do?
Oxford Risk is a behavioural finance software company that builds risk profiling, suitability assessment, and client engagement technology used by financial institutions, wealth managers, and digital advisers to measure investor risk tolerance, deliver compliant advice, and grow assets under management. Its portfolio spans an end-to-end suitability platform (Investor Compass), behavioural engagement technology, fund risk measurement (Risk Mapping), retirement income suitability tools, and the ORRO online risk rating platform, supplemented by bespoke research and consulting.
Is Oxford Risk a public or private company?
Oxford Risk is a private company. It is classified as unknown and is currently operating.
When was Oxford Risk founded?
Oxford Risk was founded in 2002. It employs 11 to 50 people.
Where is Oxford Risk based?
Oxford Risk is headquartered in London, United Kingdom, in the Europe region.
How does Oxford Risk make money?
One revenue line is on record: software Licensing/Subscription.
Who are Oxford Risk's main competitors?
Direct peers on record are FinaMetrica, FE Fundinfo, Intelliflo, Moneyhub, Distribution Technology (Defaqto/Adviser Kite) and Dynamic Planner. Broad incumbents are Avaloq, FNZ and Morningstar (Risk and Suitability tools). AdviceRobo / Tink Risk Insights is listed as an emerging player.
Does Oxford Risk have an API?
Yes. Oxford Risk offers API integration capabilities for its Investor Compass solution. The platform can be deployed out-of-the-box or via APIs to meet regulatory requirements. For fintech firms, the Oxford Risk Rating Online (ORRO) platform can be integrated into their own platforms, granting access to Risk Tolerance Assessments and Suitability Analysis. The API enables firms to embed Oxford Risk's psychometric questionnaires and suitability profiling capabilities into their own systems.
What industry is Oxford Risk in?
Oxford Risk's product category is Behavioural Finance / WealthTech Software. Its primary akta.pro industry code is FSAEADAG, Risk Management Consulting (Enterprise & Operational Risk), with a secondary code of FSAAALAM, Sustainability Risk & Scenario Analysis (Climate Risk, Stress Testing, Portfolio Alignment). Its NAICS code is 52394 and its SIC code is 6282.