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AI Driven Financial Onboarding and Advisory

This presentation explores how Artificial Intelligence is transforming the way individuals and institutions approach financial onboarding and advisory. It highlights how AI-driven solutions streamline customer onboarding, deliver hyper-personalized financial insights, and scale advisory services efficiently.

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AI Driven Financial Onboarding and Advisory

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  1. AI-Driven Financial Onboarding & Advisory Personalized Finance Made Simple, Scalable,and Smart

  2. The Problem ManualOnboarding Generic Advice Fragmented Portfolios Slow,confusing,and paperwork-heavy processes frustrate clients and delay financial planning. Financial recommendations are often one-size-fits-all and biased toward specific products. Individuals struggle with scattered investments across banks, mutual funds, insurance, and credit cards. Limited Corporate Solutions Companies lack scalable employee financial wellness solutions that actually work.

  3. The Solution - WealthMunshi AI Voice & Text Onboarding Bank Statement Analysis One-Stop API Integration Multilingual, frictionless onboarding that understands clients in their preferred language and communication style. Automated income,expense,and liability mapping through intelligent document processing. Aggregates financial data across banks, insurers, mutual funds, and brokers in real- time. Personalized Recommendations Regulatory-Ready AIaligns products with client's specific financial goals and risk profile for precise advice. Account Aggregator (AA) framework compliant, ensuring secure and transparent data handling.

  4. How It Works Client Onboarding Voice/Text AI collects goals & KYC data seamlessly Data Aggregation Bank statements+API integrations unify the financial profile AI Analysis Spending patterns, portfolio gaps,risk profile identified Recommendation Engine Tailored financial products suggested based on analysis Ongoing Advisory Continuous updates as client data evolves

  5. AI Differentiator NLP&VoiceAI Document AI Recommendation Engine 2.0 Understands clients in multiple languages with natural conversation flow and context awareness. Reads & classifies bank statements, PDFs, and financial documents with high accuracy. Suggests precise products based on goals, risk profile, and real-time financial data. Predictive Analytics Compliance Layer Early risk signals & proactive advice to prevent financial pitfalls. SEBI/RBI guidelines adherence with AA framework integration for security.

  6. Use Cases Bank Statement Parsing: 1 AIignes uploaded bank statements or connects securely via APIs (e.g., account aggregators under RBIs framework) to classify income, expenses, EMI payments, and savings patterns. Portfolio Aggregation: 2 Integration with third-party APIs (mutual funds, stock portfolios, insurance policies, credit cards) gives a consolidated financial view. Goal Alignment: 3 AI maps financial data to declared goals for retirement, home purchase, education funding and creates a gap analysis. Dynamic Product Recommendation: 4 Based on liquidity,risk profile,and cashflow trends, AI suggests relevant financial instruments (SIPs, insurance, credit restructuring, tax-saving products).

  7. The AI Part Spending & Saving Pattern Recognition Document AI Financial Data APIs OCR +NLP to parse and categorize transactions from bank statements, PDFs, and CSVs. Secure API integrations with banks, mutual funds, insurers, and brokers for real-time portfolio sync AI identifies lifestyle trends,recurring EMIs, cash flow surpluses, and risks (like high credit utilization). Recommendation Engine 2.0 Risk Monitoring AI matches financial goals with precise products, including personalized investment allocations (equity vs debt), loan restructuring, or insurance coverage. Early warning signals (e.g., over-leveraging, missed EMI patterns, insufficient savings for goals).

  8. Benefits to Corporates Financial Wellness Benefit Higher Productivity Offer comprehensive financial wellness as a competitive employee benefit that drives retention and satisfaction. Reduce employee financial stress leading to improved focus, engagement, and overall workplace productivity. Data-Driven Insights Enhanced Employer Brand Leverage aggregated insights for bulk insurance, tax-saving schemes, and customized employee programs. Differentiate with cutting-edge AI-driven advisory that positions your company as forward-thinking. Custom Programs Compliance-Friendly Corporates can structure bulk offers (like group insurance, tax- saving plans) based on actual employee financial data insights. All data handling through APIs ensures transparency and security in line with regulations.

  9. Benefits to Individuals Personalized Advice Simple&Inclusive Precise recommendations across investments, insurance, and loans tailored to your specific situation. Voice/text onboarding in local languages makes financial planning accessible to everyone. Seamless Experience 360° Financial Health Clients dont need to manually collect financial documents, everything is fetched via API Complete analysis of spending, saving, liabilities, and goals for comprehensive financial wellness. integrations. Future-Ready Planning Continuous Optimization AI alerts clients if current savings are insufficient to meet goals (e.g., retirement, kids education) and suggestscorrectiveactions. Real-time portfolio adjustments and recommendations as your financial situation evolves. Smart Budgeting Holistic Advisory Insights into income-expense trends help clients plan better and cut down on unnecessary financial Clients get advice based on their situation, not just self-reported data. actual spends.

  10. Other Points to Mention Cross-Selling Opportunities Regulatory Alignment 1 2 With full visibility into portfolios, WealthMunshi can recommend the missing pieces like term insurance, health covers, or tax-saving mutual funds. Integration with India's Account Aggregator (AA) framework ensures secure and compliant financial data sharing. Continuous Updates White-Label API As client financial data updates (new salary credit, loan closure, investment returns), recommendations get recalibrated automatically. Can be offered to banks, NBFCs, and fintechs as a plug-and play utility. 4 3

  11. Market Opportunity FintechMarket AA Framework Adoption 1 2 Indian Fintech market expected to cross $150B by 2025, representing massive growth potential. Growing adoption of Account Aggregator framework enables secure, compliant data sharing. Whom to Target Demand for Personalized Financial Wellness Growing demand for personalized financial wellness among corporates & individuals. Target customers: Banks,NBFCs,Fintechs, Corporates (HR benefit programs), Wealth Advisors. 4 3

  12. Business Model B2C Subscriptions 1 Individualplans B2B2C White-Label 2 APIforbanks/fintechs Enterprise SaaS 3 Corporatewellnesspackages Revenue Streams 4 Licensing, SaaS fees, distribution commissions Multiple revenue streams ensure sustainable growth while serving different market segments with tailored solutions.

  13. Why WealthMunshi? Omni channel Experience End-to-End AI Advisory Voice,text,andchatinterfacesprovideflexibility foreveryuserpreference. Complete journey from onboarding through portfolio aggregation to personalized 2 1 recommendations. Infinitely Scalable Handles thousands of clients simultaneously without compromising on personalization quality. Precision Recommendations 3 Deeply contextual advice basedon actual financial reality and future goals, not generic 7 Trustworthy & Compliant suggestions. Full regulatory alignment with RBI/SEBI and Account Aggregator ecosystem standards. 4 Automated Insights 6 360° Financial View AI extracts income, expenses, loans,investments, and liabilities automatically no manual data entry 5 Unified profile through bank statement analysis and third-party API integration creates complete financial picture. required.

  14. Recognitions and Testimonials CIOLook 1000+ 50+ (DIPP99409) Recognized by the Ministry of Commerce and Industry Featured as India's Most Trusted Companies to Watch Verified Google Reviews Success Stories on YouTube Silicon India StartUpIndia ICICI Prudential Asset Management Awarded as Most Trusting and Promising Online Financial Company Blockchain Enabled Startup by Ministry of Commerce and Industry Founder Recognized as a Striving Success Story

  15. Contact Us + (91) 93979 - 98765 www.wealthmunshi.com contact@wealthmunshi.com Address:4th floor, C9MH+GG9 T Hub, 2.0, Silpa Gram Craft Village, HITEC City, Hyderabad, Telangana 500032

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