PersonalizationAdvice at scaleCompliant by design

Private banking advice.
Retail banking scale.

Personalised investment advice for every customer, at scale. Analyzera runs inside your own product, pairing AI with quantitative models and building each recommendation against the customer's own suitability profile. And recording why.

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The value

Grow the book, not the desk.

Personalised advice is expensive, so it reaches only a select few. Most banks already have the models. What they lack is a way to put them in front of every customer and stand behind the result.

Analyzera closes that gap. The conversation is a language model. The decisions are not. Suitability and the audit trail are built into the process rather than added after.

End-to-end financial advice in minutes rather than hours. Work that previously took an adviser, a portfolio team and a compliance review.

Every recommendation comes out of a deterministic process, with suitability and the audit trail at the core rather than arriving afterwards. Jurisdiction-specific rule packs, adaptable to each market's own compliance regime.

Advice on the customer's whole balance sheet, including their held-away accounts, inside one cross-asset risk model. The portfolio is built around the risk they already carry, not the risk of the securities alone.

Each customer gets their own preferences, your in-house shelf, or a strategy built for them alone. Advised and execution-only run through the same surface, each held to the duties that apply to it.

See it in action

The advice VIP clients get. For everyone.

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What are you looking to invest for?
I want to invest long-term but I also want to incorporate a few ideas that I have. One idea is AI infrastructure. Let's start there.
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For illustrative purposes only
How it works

From client profile to suitable portfolios.

True personalization, in a fully deterministic and MiFID II compliant process.1

1 Built against the other EU and national rules that apply to investment advice and to the systems delivering it, including the MiFID II Delegated Regulation (EU) 2017/565, ESMA's suitability guidelines (ESMA35-43-3172), the sustainability-preferences amendment (EU) 2021/1253, PRIIPs (EU) No 1286/2014, SFDR (EU) 2019/2088, the EU AI Act (EU) 2024/1689, GDPR and DORA (EU) 2022/2554, together with the national rules of each market the bank operates in.

Illustrative. Elsa is a demo customer.

The AI role

A standard chatbot
is a poor advisor.

Yet more and more use it. But an LLM alone is not built for regulated finance, and has several shortcomings.

Elsa
ChatThropic LLM
Suitability & compliance

Regulated process.
Built for audit.

Every recommendation follows the same path. What was known, what was checked, and what was decided. All of it reproducible, all of it on the record.

Profile

Everything the decision rests on.

The customer's risk, capacity, horizon, knowledge and sustainability preferences.

Rule pack

Same inputs, same verdict.

Versioned per regulatory regime. Any recommendation can be replayed against the exact rules that produced it.

Warning system

A warning is a gate and a receipt.

Every warning names the rule that fired, holds the confirm button until the customer acknowledges it, and records that acknowledgement on the compliance file.

Suitability report

Written, filed, defensible.

Every recommendation produces a written report. Every check that ran is listed, and each input is labelled.

Append-only record

Never overwritten.

When a recommendation changes, the new one is added. The old one stays intact, enforced by the database itself.

Underlying technology

A digital structuring desk that answers in seconds.

Our quantitative backend does the work an investment bank's structuring desk does, and answers in seconds rather than hours. Being able to do complex work that fast is what makes real personalisation possible at all.

What a structuring desk does
01
Investment Idea

A view, a goal or an intention. What the portfolio is meant to do.

02
Investment Process

The rules that turn the idea into weights.

03
Testing & Validation

Backtests, risk decomposition and stress tests against the mandate.

04
Documentation

Fully deterministic and replicable.

05
Execution & Trading

Orders, rebalancing, and the trail that shows what was done and why.

Strategies

The power to build any long term solution.

Ship any single stock strategy across regions, size segments, fundamentals and themes, or build holistic solutions across asset classes to fit client profiles, with 20+ years of historic evidence in seconds. Drive client trades systematically, or notify before a rebalance.

Incorporate your existing investment products into suitable portfolios on the fly.
Fully documented and replicable systematic approach.
Customer portfolio
Constraints
Risk target 6/10Max loss −12%ESG exclusions
Risk parity
Capital
Risk
Balanced risk contribution, not a balanced ticket.
Core equity
72%
Global core ESG32%
Fundamental ESG22%
Sweden ESG18%
Opportunity
7%
Clean energy4%
Water3%
Fixed income
21%
IG credit13%
Government8%

Illustrative. Both routes run the same documented construction process, so the same inputs rebuild the same portfolio.

Risk

Unified risk enables opportunities.

Analyzera's internal cross-asset factor risk models make it possible to create, test and evaluate any idea, taking into account every major asset class, including private assets and properties. A proper risk backbone is what enables flexibility and possibilities.

Uncover hidden risks and measure diversification efficiently. Create any type of portfolio across asset classes using full look-through on funds.
Measure a client's actual total risk characteristics, without resorting to rules-of-thumb or guesstimates.
Country31%
Sector23%
Style factors19%
Currency13%
Idiosyncratic14%
Property and the mortgage against it enter the same model, so the portfolio is built around the risk the customer already carries.

Illustrative variance contributions. Cross-asset by construction: one covariance structure, not one model per asset class.

Data infrastructure

Personalisation: primarily an efficiency problem.

Lack of personalisation is not a technology issue — the technology already exists. The issue is that it is not unified, and out of reach for most. Serving five model portfolios is easy; building anything on the fly is a different challenge altogether.

Analyzera's unified tech, data and quant backend enables efficiency and scale — creation and backtesting of practically any idea within seconds.
Let customers evaluate, change and compare any solution on the fly.
1
Data cachingServed to every process, not recomputed per question
Risk
Market data
Signals
2
UnificationOne engine, not three that have to agree
Risk
Construction
Processes
3
Assets, portfolios, strategies, nodesStructured so any question can be asked, at any time
Assets
Portfolios
Strategies
Nodes

Five model portfolios need none of this. Building anything on the fly, per customer, is what makes it the whole problem.

Integration

Your brand, your rules, your shelf.

Integrates with your tech stack, your existing investment solutions and your data. Deployed with any major LLM and cloud provider.

Delivery

Whitelabel or API

Run the customer surface as your own product, in your own brand, or put the engine behind the surface you already have. Both routes use the same documented HTTP API: JSON over HTTPS, one envelope, one auth model, no hidden state.
Region

Regional adherence

The engine adapts to where your customer actually is. The rule pack it runs against is chosen by their regulatory regime, the copy they read by their display language, and the two resolve independently. A Swedish-speaking customer under a Danish framework gets the Danish pack, in Swedish.
Catalogue

Fits your processes

Your investment solutions and your house views are what the engine advises on, not a generic shelf. Questions, options, wire values, guardrails and copy are owned by the backend and served in the customer's language, so extending the catalogue is a configuration change rather than a client release.
Next steps

See it for yourself.

The future of personalised investing starts here. Contact us to learn more and book a demo.

We would rather narrow a claim than write one we cannot defend. Everything on this page is traceable to a component, an endpoint, or a documented limitation.

Disclaimer

Analyzera is a technology provider. We are not a financial advisory firm and we do not provide financial advice.

Our software is licensed to regulated financial institutions. Any advice a customer receives is given by that institution, under its own regulatory permissions and its own responsibility. Nothing on this page, in any demonstration, or in any figure shown is an investment recommendation, an offer, or a solicitation to buy or sell any financial instrument. Portfolios, holdings, returns and customers shown in demonstrations are illustrative. They are not client data and are not a forecast of any result. Past performance is not a reliable indicator of future results. The value of investments can fall as well as rise, and capital is at risk.