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Wealth Management Mobile App
Wealth Management Mobile App
OCTROID
Wealth Management
App Presentation
Context
One of the unbanked sectors that could be explored where the purpose of digital banking can
be niched, either in developing long-term savings, learning financial preparedness and
investment etc.
● The pandemic has made digital contact indispensable — and increasingly popular.
● Due to the financial market and personal life uncertainty, people are determined to take
the ownership of their money, shifting from “experience-driven” lifestyle into investing
over the next year. (*)
● 97% of people would like to have some kind of knowledge on personal financial matters.
(*)
● Despite that, the young adults are still reluctant to invest due to: (1) having little
knowledge about investment, hence afraid to make the wrong decision in investing, (2)
there are too many investment platforms from fund, stock to gold, crypto with high fees
and (3) being lack of time.
● Deposit interest rates are getting lower at ~4% while Inflation rates in Asia Pacific is at the
same percentage in average. Saving only is not an option anymore. (**)
(*) According to the 2020 Schroders Global Investor Study
(**) Asian Development Outlook (ADO), Statista
02 Market Understanding
● Asia Pacific has been witnessing strong economic prosperity. This has led to a rise in the
population of High-Net-Worth Individuals (HNWIs), particularly the younger generation
who demand technologically advanced and highly customized banking and wealth
management solutions, to cater to their growing investment needs.
● Asia Pacific is home to ~15 million HNWIs, the second-largest concentration in the world
after North America, with an expected growth of 39 percent by 2024, the highest growth
forecast globally. (*)
● There is a clear gap in Asia for a powerful, compelling, sophisticated-yet-easy-to-use
digital wealth management offering aimed at the region’s emerging and growing wealthy
● Vietnam
○ VN is one of the fastest rise in UHNWIs in Asia, however, preference for basic investment products;
and its WM and PB are still in nascent stage.
○ It’s an opportunity for CIMB to introduce WM app in VN market that allow users to invest and park
their excess money kept in digital wallets into liquid assets to enjoy early mover advantage.
○ Besides, there’s a need to educate HNWIs about varied WM products and offer them more
personalized advice
(*) Digital Wealth Management in Asia Pacific, 2021, KPMG
03 Regulation Understanding
● Age: 25-40
● Above average tech-savvy level
● Education: highly educated and paid professionals
● Goals: Increasing exposure about finance, encourage
user to build investment habit instead of saving and
to plan ahead for important life goals such as
marriage, retirement or housing
● Motivation: The needs to access diversified portfolio
and still able to invest despite the lack of time or
experience
Value Proposition - Robo Advisor
• Complete a brief questionnaire about your risk appetize, your initial deposit
amount and your invest duration, Robo-advisors weigh your personal preferences
against unpredictable forces (Asset class performance, Market volatility, market
conditions) to automatically recommend a portfolio that fits your specific needs
with projected returns. From there, you can make the right decision.
Tailor your
Welcome Create Dashboard/ Account
Signup page portfolio & Deposit fund
page profile project P&L Homepage Management
Figma Prototype:
● Keep the dashboard (performance
https://www.figma.com/proto/FHdxTnBTpn5 tracking) simple with precise
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Thank you!