everyoneINVESTED has partnered with Prometeia to launch a self-directed investment platform that merges behavioural finance profiling with institutional-grade investment infrastructure, targeting banks and wealth managers across Europe.
A self-directed investment platform allows individual investors to manage their own investment journey, from onboarding and profiling through to portfolio construction, execution and ongoing monitoring, without needing a dedicated adviser for every step. everyoneINVESTED notes that a data-driven, scalable approach to personalisation also responds to the European Securities and Markets Authority's call to simplify the retail investor journey.
The new platform is the first to embed everyoneINVESTED's Profiling API directly into Prometeia's existing wealth management infrastructure, creating a single end-to-end digital journey. The tie-up pairs everyoneINVESTED's behavioural finance profiling, tested across multiple European banking markets, with Prometeia's investment advisory, risk management, portfolio construction and monitoring capabilities.
Three capabilities sit at the core of the offering. Behavioural profiling at onboarding captures risk appetite and decision-making patterns, which everyoneINVESTED says produces richer and more accurate client data than traditional questionnaires.
Embedded investment and portfolio construction then translates those insights into tailored solutions aligned with each institution's compliance and regulatory framework. Continuous portfolio monitoring tracks how portfolios and client objectives evolve, supporting long-term engagement.
The platform is designed for both first-time and experienced investors, and for banks and wealth managers looking to expand their client base, grow assets under management, and scale personalised digital experiences without expanding advisory headcount. Its modular design supports MiFID II suitability requirements and allows institutions to integrate with existing digital ecosystems incrementally.
everyoneINVESTED argues that behavioural finance profiling improves on traditional, self-reported risk assessments in two ways: it observes multiple, complementary aspects of decision-making, and it produces quantitative data inferred from observed trade-offs rather than stated preferences alone. A joint live demo of the platform is now available for financial institutions to trial the full journey.