WealthTech Trends 2025: Customer Needs and Innovations
Ralf Home
7 Jan 2025
What remains while everything changes?
In the world of predictions, we often focus on what changes. But for 2025, we turn the approach around: what remains constant? Because consistency offers valuable insights into the dynamics of change.
Customer Needs 2025
Even in 2025, customer expectations in wealth management remain clear:
Personalisation and comprehensive advisory services
Access to high-quality products and individual investment strategies.
Faster software implementations
Solutions that meet rising regulatory demands.
Technology doesn’t change what we want – it changes how we achieve it. With this focus, we consider seven WealthTech trends for 2025.
Mature technologies create digital added value
More and more banks are relying on advanced technologies to enrich their advisory services. Tools like interactive financial planning or wealth aggregation enhance the quality of advice. In 2024, the number of banks using our software doubled. These digital added values benefit both advisors and end customers.
Scalable personalisation
After years of standardisation, technology allows a return to individual advisory – efficiently and cost-effectively. Digital solutions reduce compliance risks and lower marginal costs. By 2025, more banks will recognise that personalised advice is no longer a luxury option.
Self-directed investing gains importance
The trend towards self-execution of investments through neo-brokers, portfolio trackers, and family offices shows that customers are increasingly taking their investments into their own hands when banks reach their limits.
Modern infrastructure boosts efficiency
Fintechs like Lemon Markets are advancing the development of new banking infrastructures. The harmonisation of front, middle, and back-office technologies offers enormous potential for efficiency gains and cost reductions.
AI breakthrough still pending
Although AI is gaining importance in everyday life, banks are acting cautiously. Initial prototypes show potential, but are not yet productive. In 2025, we expect mainly experiments in specific applications.
Strategic asset allocation: Alternatives in focus
Topics like Bitcoin ETFs and private equity dominate the discussion. While some banks are expanding their allocation to alternatives, growth remains moderate. Lower interest rates could accelerate the trend after 2025.
Regulations demand added value
Regulatory pressure continues to increase: advisors must provide clear added value and demonstrate it. However, the full effect of this development will only become apparent in the coming years.
Conclusion: Customer needs as a guiding star
Technology changes the means and ways, but not the needs. Customers demand better advice, advisors need more efficient tools, and banks strive for profitable customer relationships.
The task remains: Implement better technology faster. 2025 offers numerous opportunities to be seized.
What are your top trends for 2025? We look forward to your feedback!
