A private banking service, now for everyone.
Bankinter / Trading / B2C
Creating a hybrid robo-advisor that simplifies investing for all experience levels. Risk-based profiling, portfolio adjustments, and smart recommendations, all within an intuitive and customisable platform.
The challenge —
Digital Investing, Backed by Expertise.
The goal of the project was clear: combine Bankinter’s top-tier investment products and renowned research team into a digital, personalised experience for clients.
To achieve this, we structured the product design around 3 key areas:
Advanced User Profiling – Going beyond just risk tolerance and profitability to build a more comprehensive investor profile.
A Powerful Configuration Tool – Allowing users to customise their portfolios and compare different setups and project investments over time.
Smart Recommendations – Leveraging insights from Bankinter’s research team to provide actionable, easy-to-apply investment suggestions.
This approach ensured a flexible, data-driven platform that empowers users to make informed investment decisions with confidence.
Building on previous research and our deep understanding of investor archetypes, we collaborated closely with the business team to shape the first designs. When put to the test, user feedback on both the service and experience was highly positive.
Since Capital Advisor is designed for all types of investors, we conducted a second, more in-depth research phase with experts. Their insights were invaluable in refining technical aspects and optimising key screens where advanced financial data was most critical.
We fine-tuned the designs to adapt to different user needs, ensuring that complexity increased only when requested. Throughout this process, we not only enhanced the product but also deepened our own knowledge of funds, assets, and investment portfolios—allowing us to create an experience that feels both accessible and powerful.
The idea —
Tell us who you are, and we'll tell you how to invest.
We designed the portfolio customization process through co-creation sessions with the business team and investment experts, ensuring a more user-centric and intelligent approach.
Our goal was twofold:
Move beyond the typical robo-advisor profiler, focusing on a deeper understanding of user needs rather than just risk tolerance.
Integrate external portfolio aggregation, allowing users to import investments from other banks and receive a data-driven comparison with tailored recommendations for improvement.
By combining personalisation and transparency, we created an experience that helps users make informed investment decisions with confidence.
To give users full control over their portfolio, we developed a configuration console that allows them to adjust assets until the proposal perfectly aligns with their needs.
We designed a control panel where all configuration options remain visible without cluttering the interface, keeping the focus on the projection chart and portfolio analysis for a clear, data-driven experience.
Once users are satisfied with their setup, they can move forward with a fast and seamless onboarding process—whether by depositing funds directly from their accounts or transferring an existing portfolio from another bank.
This is our proposal, make it yours.
Blending Human Expertise with Smart Automation
Interviews with Bankinter clients consistently highlighted a key insight: the role of a personal manager is essential. Users value having a real person who understands their finances and helps them make informed decisions—not just an automated system.
With this in mind, we designed a hybrid recommendation process, combining human expertise with data-driven insights. Regular updates from Bankinter’s analysis team generate personalised investment recommendations tailored to the user’s existing portfolio.
Each recommendation includes:
A projection graph, visually comparing the suggested adjustments with the user’s current portfolio.
A clear breakdown of recommended changes, detailing specific movements to be made.
Flexible options, allowing the user to accept, tweak, or reject the suggestion—all with just a couple of clicks.
This approach ensures that users retain full control over their investments, while still benefiting from expert-backed, real-time insights.
Lessons Learned —
Wealth management is for everyone.
Until now, personalized asset management was a privilege reserved for private banking clients. With this new service, we are bringing our expertise to all clients, making high-quality investment guidance more accessible than ever.
The results speak for themselves—user testing and control group trials over the first months were a resounding success. We are confident that the broader rollout will be just as well received, empowering more clients to manage their investments with confidence and ease.
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