Revolutionising Asset & Wealth Management with AI.
Digitally reducing cost-to-serve and bridging the advice gap - ensuring compliance with consumer duty.
Zugo are an innovative and
experienced team
Zugo is a FinTech, Regtech start-up that was setup by successful FinTech, multi-exited entrepreneurs with deep financial services and AI industry expertise.
Zugo transforms operations in a regulatory focused manner for lower value clients. We resolve regulatory challenges for both asset managers and wealth managers whilst simultaneously hugely increasing client margins to make them commercially viable for all entities in the chain.
So how does Zugo help service
clients?
Firms have long struggled to profitably serve low-value clients. Zugo solves this “cost-to-serve” problem, making back-book clients profitable while reducing regulatory risk.
With Consumer Duty heightening the challenge, we help firms demonstrate compliance with the FCAs four consumer outcomes.
How does Zugo do this?
Zugo's proprietary AI enhances client segmentation, optimizes financial plans, and delivers personalized servicing at scale—ensuring profitability and regulatory compliance for wealth managers.
Offered as a white-label SaaS, Zugo includes a direct-to-consumer mobile app (guidance-based or execution-only) and an adviser platform with a client portal for full plan iteration, both managed through a business manager module. Beyond technology, Zugo provides the processes, oversight, and advisory support needed to improve client segmentation, financial planning, and ongoing servicing.
What does the Zugo SaaS include ?
The Zugo way to maximise lower value client servicing and profitability is based around a white labelled system, fully branded to your orgamisation, that can include any and all of the following modules (withintegrations with other systems available too);
- Data-rich, multi-dimensional segmentation
- Fast and engaging (re-) fact find
- Simple, easy to understand risk profiling
- Risk and charges analysis
- AI-enabled automated advice generation
- A sensible (not over-engineered) cash-based approach to future cash flow planning
- Fast iteration to optimised plan design through intelligent interactive scenario modelling
- Seamless transition from plan design to suitability documentation
- All the above operationalised through onsite coaching (not the usual ‘off the shelf’ software)
- On a low ongoing bps charge-basis.
How does the AI work?
The key to the efficiencies Zugo is able to achieve for distribution is its proprietary AI-enabled Machine Learning design, focused on “self learning” from humans, collating and amplifying human intelligence and allying this with enhanced data from Open Banking and Credit Reference data sources...
The result: Typical improved margins for the lower-value segment
Low fees, and a huge margin uplift for clients in hybrid and rich robo solutions
Zugo drives real world margin gain in both Hybrid and Rich Robo segments
On typical advice firm assumptions, Zugo can provide a margin gain of £731 per client placed in our hybrid solution (assuming average AUA of £150k), driven by trebling adviser efficiency by using Zugo systems and processes.
Clients who are deemed right for the rich robo journey will see advice firms have margin gains of circa £1,087 per client (assuming average AUA of £75k).
Zugo makes unprofitable and break-even clients, profitable.
*These gains are net of the typical Zugo cost to provide its service to firms.