FinovateAsia Sneak Peek: additiv

A look at the companies demoing live at FinovateAsia on November 7 and 8 in Hong Kong. Pick up your tickets today and save your spot.

additiv is the leading provider of B2B2C digital financial solutions as a service for financial institutions, wealth managers, and fintech companies.


  • Quick implementation and sufficiently configurable roboadvisor
  • Rapid to deploy but integrated with bank’s key data repositories
  • Country and local compliant setup

Why it’s great
additiv is the leading provider of B2B2C digital financial solutions-as-a-service for financial institutions, wealth managers, and fintech companies.


Michael Stemmle, CEO
Stemmle is CEO of additiv, building the digital future of the financial industry.

Derrick Loi, Global Head of Orange Cloud for Business (International)
As a former Citrix and Cisco Manager, Loi is currently responsible for the GTM, revenue targets, order targets and P&L for Orange Cloud Business international, which covers Asia Pacific, Europe, Americas and Emerging Markets.

Thomas Achhorner, Global Head of Solutions
Achhorner is a former PwC and BCG partner and develops additiv’s SaaS offering by packaging the firm’s renowned digital finance services platform as cloud-based products.

Finovate Alumni News


  • Discloses September Investment Round, Doubles Total Funding.
  • SocietyOne Tops $350 Million in Loans.
  • Baker Hill Forges Partnerships with Allied Solutions, Experian.
  • Safe Spaces: The Best of the Authenticators, Verifiers, and Fraud Fighters.

Around the web

  • Fenergo announces partnership with four of Australia’s top five banks.
  • ACI Worldwide launches UP Real-Time Payments Solution.
  • Credit Agricole and TransferGo join Ripple’s blockchain network, boosting membership to more than 100 institutions.
  • Thomson Reuters unveils Fixed Income Callouts, a trading app for African bond markets.
  • Ondot Systems to provide two-way fraud alerts for debit cards processed by payments provider, Elan Financial.
  • Pendo Systems adds 25-year banking veteran Bill Woodley as a non-executive director.
  • Megabuyte initiates coverage of Xceptor with “superior” rating.
  • nCino enhances Treasury Management Sales and Onboarding Solution for greater flexibility, configurability and speed.
  • NuData picks up leader award from Javelin Strategy and Research.

This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.

Additiv Lands $25.5 Million Investment

Digital financial solutions company additiv has scored $25.5 million (CHF21 million) this week. The investment, which comes from BZ Bank and Patinex, marks the company’s first round of funding.

The investment will help additiv meet demand for its products across Europe and Asia. In the press release, the company’s founder and CEO, Michael Stemmle said, “This funding will finance our international expansion and help strengthen our management team. It will also fuel our production of cutting-edge SaaS/cloud-based products that ensure our clients are ahead of the curve. It really is crunch time for the sector and this funding allows us to be at our best when our clients need us most.”

Founded in 1998, additiv offers a digital financial suite, robo advisor and advisor services, as well as digital mortgage tools. At FinovateEurope 2016, the company’s CEO and founder, Michael Stemmle, along with Adriano Lucatelli and Marc Sauter from Descartes Finance, demoed how Descartes Finance built a digital private banking platform on top of additiv’s digital finance suite. The technology enables self-directed investors to implement portfolios based on allocation and optimization methods.

additiv’s Digital Finance Suite (DFS) recently began powering Natwest’s new robo-advice offering, which launched for the U.K. savings and investment market. This comes after the company piloted similar projects with Coutts, a private bank, and RBS Group. We featured the company earlier this year in our roundup of top business-to-business wealth tech players.

Finovate Alumni News


  • Market Earlybird Helps Market Professionals Identify Trading Opportunities First.
  • Additiv Lands $25.5 Million Investment
  • Algomi Acquires AllianceBernstein’s ALFA’s Fixed Income Liquidity and Analytics Tool

Around the web

  • Kony partners with KMC controls to bridge mobile apps and IoT
  • Clover now enables Android Pay’s Smart Tap
  • TickSmith releases a Python API for the new generation of financial data scientists
  • wins Trailblazer Award at 1st Annual K(NO)W Nodes Awards Show
  • Finextra: Google and PayPal partner for mobile shopping by fingerprint
  • ProfitStars introduces Automated Website Governance Solution
  • FinovateAsia Best of Show winner earns spot in Payments Canada’s pitch competition, Dragon’s Den.
  • OutSystems adds Tom Schodort and Bill Macaitis to its board of directors.

This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.

Top Business-to-Business Wealth Tech Players


If you’ve been following our series on wealth tech, you’ve seen our analysis of the industry as a whole, a review of the top trends, and an examination of B2C wealth tech players.

Our wealth tech coverage continues this week with a review of business-to-business (B2B) players in the wealth tech space. These are companies that cater directly to banks, advisors, or brokerages, instead of offering products or services directly to consumers. B2B wealth tech is a large category, so I’ve sub-divided it into four digestible groups and listed my top picks for each category. Since category sizes vary, the number of selections also varies.

Alternative investment services
These are platforms that help advisors connect clients with unconventional investment types, such as private equity, hedge funds, futures, real estate, etc.

Screen Shot 2017-01-19 at 11.44.57 AMEquityZen’s EZ Institutional lets advisors give clients access to a diverse asset class

Technology for advisors and brokerages
These are tools available via API, SDK, or web interface to help advisors compete with robo advisors by allowing them to invest with less bias, increase client communication, scale operations, find new clients, and more.

Screen Shot 2017-01-19 at 11.40.41 AMTrizic offers advisors their own digital tools to compete with robo advisors

Non-U.S. B2B investment and advisor technology
Similar to the above category, these companies offer tools for advisors outside of the U.S.

Screen Shot 2017-01-19 at 11.30.52 AMmeetInvest helps advisors invest like world-renowned market experts

News and Information Companies
These are online platforms, APIs, or SaaS offerings that provide advisors market information, show them trending news, or connect businesses with market data to power their own products.

Screen-Shot-2016-10-31-at-3.22.22-PMForwardLane’s dashboard acts like a private research analyst for advisors advisors, helping them stay current on new trends and funds

FinovateEurope Sneak Peek: additiv


FEULogowithDate    A look at the companies demoing live to 1,500 fintech professionals. Register today.


additiv will present Descartes, based on the platform additiv Digital Finance Suite (DFS).


  • Additiv DFS: digitization realized fast and efficiently
  • Full self-service hybrid, or personal adviser-focused solutions including robo-adviser technology
  • For the banking and insurance markets

Why it’s great
Descartes is a high-end, multi-algorithmic robo-adviser for demanding, self-directed investors offering a holistic advisory and portfolio-management approach.


additiv_MichaelStemmieMichael Stemmle, Owner and CEO

Stemmle has long-term consulting experience with a focus on the development and implementation of business, sales, and distribution strategies for the finance and insurance industries.


additiv_AdrianoLucatelliAdriano B. Lucatelli, Entrepreneur, Founder of Descartes AG

Lucatelli is a Swiss entrepreneur, investor, and member of the board of directors of various companies (one of them additiv). He has lectured at the University of Zurich on international finance since 2012.


Finovate Alumni News


  • LendUp Raises $150 Million in Series B; Expanded Credit Facility”
  • Fiserv Buys ACI Worldwide’s Community Financial Services Division for $200 Million”

Around the web

  • Tradeshift partners with (RED) to facilitate donations to the Global Fund to fight AIDS, tuberculosis and malaria.
  • Payoneer selects AU10TIX to enhance online customer ID authentication and record generation.
  • AlphaPoint appoints Scott Scalf as EVP of Development Operations.

This post will be updated throughout the day as news and developments emerge. You can also follow alumni news headlines on the Finovate Twitter account.

How additiv’s investomat Uses Theme-based Investing

This post is part of our live coverage of FinovateFall 2015.

AdditivLogoNext, additiv debuted investomat, a European-focused robo-adviser:

Investomat is a robo-adviser developed for a Swiss cantonal bank, Glarner Kantonalbank. The new offer is aimed at Swiss and European resident clients with a minimum of CHF 5,000 investable assets. Investomat operates on a theme-based investment approach in diversified and mean variance-optimized portfolios. At present, the bank provides eight investable themes that are replicated using ETFs from various providers.

The entire solution is based on additiv’s Digital Finance Suite (DFS) and includes the digital offering for the client (online application and onboarding, online cockpit) and the front- and middle-office functionalities to manage the client offering end-to-end at lowest cost.

Presenter: Michael Stemmle, CEO and founder; Adriano Lucatelli, board member not pictured



Product Launch: January 2015
Product distribution strategy: Direct to Business (B2B), through financial institutions Licensed

HQ: Zurich, Switzerland
Founded: 1998

FinovateFall Sneak Peek: additiv


FF2015_logo_dateThe Sneak Peek series looks at the innovators demoing live onstage in front of 1,500 execs at FinovateFall. Get your tickets today and we’ll see you in New York, 16/17 September!

AdditivLogoAdditiv is based on a powerful platform. Additiv Digital Finance Suite (DFS) conceptualizes and implements digital innovation and business models for the financial services market, banking and insurance.

Features of DFS:

  • Additiv DFS: digitization realized fast and efficiently
  • Offers references for full self-service, hybrid, or personal adviser-focused solutions
  • Focuses on the private, retail, mass affluent and insurance markets

Why it’s great
Time is money. Additiv DFS has implemented innovative solutions in a very short amount of time for many customers. It starts with rapid prototyping to get a fully functional solution in six weeks.


Michael Stemmle, Founder, Owner and CEO
Stemmle is a long-term consultant with a focus on the development and implementation of business, sales and distribution strategies for the financial and insurance industries.



Finovate Alumni News


  • “FinovateFall 2015: Mapping Fintech’s International Neighborhood”

Around the web

  • Feedzai teams up with Socure to combine social biometrics with fraud-risk scoring. See Socure at FinovateFall 2015 in New York City next week.
  • Moven CEO Brett King joins the advisory board for Jumio.
  • Fiserv joins Visa, Citi, Nasdaq, and Capital One in $30 million funding of blockchain startup, Chain. Join Fiserv in New York City next week for FinovateFall 2015.
  • iSignthis confirms the adequacy of its KYC services for use by financial institutions in the U.S.

This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.