WealthTech Trends 2025: Customer Needs and Innovations

What remains while everything changes?

In the world of forecasts, we often focus on what changes. But for 2025, we're reversing the approach: What remains constant? Because consistency provides valuable insights into the dynamics of change.

Customer Needs 2025

Even in 2025, customer expectations in Wealth Management remain clear:

• Personalisation and comprehensive advice

• Access to high-quality products and individual investment strategies.

• Faster software implementations

• Solutions that meet increasing regulatory requirements.

Technology does not change what we want – it changes how we achieve it. With this focus, we examine seven WealthTech trends for 2025.

1. Mature technologies create digital added value

More and more banks are leveraging advanced technologies to enrich their advice. Tools like interactive financial planning or wealth aggregation improve the quality of advice. In 2024, the number of banks using our software has doubled. These digital added values benefit both consultants and end customers.

2. Scalable personalisation

After years of standardisation, technology allows a return to individual consulting – efficiently and cost-effectively. Digital solutions reduce compliance risks and lower marginal costs. By 2025, more banks will realise that personalised advice is no longer a luxury option.

3. Self-directed investing gains importance

The trend towards self-execution of investments through Neo-brokers, portfolio trackers, and family offices shows: Customers are increasingly taking their investments into their own hands when banks reach their limits.

4. Modern infrastructure boosts efficiency

Fintechs like Lemon Markets are driving the development of new banking infrastructures. The harmonisation of front, middle, and back-office technologies offers enormous potential for efficiency gains and cost reductions.

5. AI breakthrough still pending

Although AI is gaining significance in daily life, banks are acting cautiously. Initial prototypes show potential but are not yet productive. In 2025, we expect mainly experiments in specific applications.

6. Strategic asset allocation: Alternatives in focus

Topics like Bitcoin ETFs and private equity shape the discussion. While some banks are expanding their allocation to alternatives, growth remains moderate. Lower interest rates could accelerate this trend after 2025.

7. 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 seize.

What are your top trends for 2025? We look forward to your feedback!