1. What critical challenges in financial services is additiv solving today—and why is this so relevant now?
Financial services is at a crossroads. Institutions are navigating rising cost pressures, growing regulatory demands, and increasingly fragmented technology estates. At the same time, customer expectations have shifted dramatically. Today’s clients, especially younger segments like Generation Z, expect seamless, personalized, and real-time financial experiences, often delivered outside of traditional banking environments and embedded into their everyday digital lives.
Yet for many firms, legacy systems, manual processes, and product silos make it difficult to respond. The challenge isn’t just launching digital services, it’s doing so at speed, at scale, and with the intelligence to personalize every interaction.
That’s where additiv becomes relevant. We offer a single platform that empowers financial institutions to drive innovation without replacing core systems, and to expand distribution, including into embedded and B2B2C channels, while improving operational efficiency. It’s not just about digitizing financial services. It’s about enabling institutions to stay competitive in a fundamentally changed market.
2. How does additiv’s platform use AI and automation to create smarter, faster financial services?
AI and automation are deeply embedded across our platform, not as isolated features, but as orchestrated, end-to-end capabilities that make financial services more intelligent and scalable.
Think automated onboarding with real-time KYC, AI-assisted investment planning, credit decisioning using advanced risk models, or intelligent claims triaging—all delivered as plug-and-play services. These capabilities are already helping our clients reduce manual effort, accelerate delivery, and improve client outcomes.
We’re also continuing to push boundaries. From Smart FNOL in insurance, using computer vision and large language models, to new advisor augmentation tools that surface contextual insights from client data in real time, we’re building capabilities that help institutions evolve intelligently, not just digitize what they already do.
3. What makes additiv different from other fintech or embedded finance platforms in the market?
We’re not just another API layer or engagement platform. additiv is a full-stack, digital financial services platform, designed to manage everything from sourcing and automation to servicing and compliance.
Unlike most providers, we bring together wealth, banking, credit, and insurance on a single modular architecture. Our platform empowers financial institutions to offer a holistic range of personalized financial services without the need for complex system overhauls. Whether it’s launching a new digital proposition or modernizing an existing one, clients can mix internal and third-party products, automate end-to-end workflows, and scale across segments and brands.
We enable our clients to adapt quickly to change, launch faster, and future-proof their business models, so they can not only compete and grow, but lead.
4. Who are your core customers, and how are they using your platform to scale and transform?
We serve global institutions from tier 1 banks and insurers to pension providers, wealth managers, and consumer brands. Our clients span Europe, the Middle East, and Asia, and include names like Deka, AXA, HAYAH, Zurich, and ATRAM.
They use our platform to launch and scale a broad range of propositions—digital investment services, embedded insurance, digital advisory models, hybrid lending models, and more. For example, Deka partnered with us to create Deka-Connect+, a nationwide wealth platform for the German Savings Banks that combines full MiFID II compliance, customizable advisor workflows, and digital onboarding embedded directly into the banks’ existing digital channels.
What unites all these use cases is that our clients aren’t just digitizing, they’re transforming their business models. And in doing so, they’re also transforming how their customers engage with financial services—bridging the advice gap, reaching underserved or previously excluded segments, and making financial services more accessible, more intuitive, and more relevant in people’s daily lives.
5. What have been your biggest lessons in scaling intelligent financial services globally?
One of the biggest lessons has been that integration is always harder than it looks. It’s not just about connecting APIs, it’s about orchestrating data, logic, and workflows across fragmented systems, legacy cores, and third-party providers. That’s why we’ve built our platform to simplify integration—modular, API-first, and designed to work with what clients already have.
Another lesson is that digitizing existing processes is rarely enough. Many firms start by replicating legacy models in digital form. But the real opportunity lies in reimagining the entire journey. Whether that’s how advice is delivered, how credit is underwritten, or how protection is offered across new channels.
We’ve also learned that true scalability isn’t just about product design, it’s about architecture. Because our platform is cloud-native and SaaS-delivered, clients can launch at pace, scale with demand, and handle complex use cases across regions and segments without IT overhead.
Ultimately, scaling intelligent financial services is as much about mindset as it is about technology. You need to design for agility, not just automation.
6. What’s your long-term vision for how financial services will evolve—and additiv’s role in shaping it?
Financial services will become increasingly intelligent, modular, and customer driven. Incumbents, whether banks, insurers, or pension providers won’t just need to digitize, they’ll need to evolve how they deliver, personalize, and scale services across every channel.
additiv’s role is to make that future possible, now. We’re building the platform that lets financial institutions innovate across verticals, launch with speed, automate with intelligence, and scale without compromise. And we’re doing it without asking them to rebuild from scratch.
Add innovation. Remove costs. That’s the vision.
