Wealth app for a private bank

The client is a Swiss private bank whose clients increasingly expect to view and act on their portfolios from a phone. For a wealth relationship, the mobile experience is now a core part of the service, not a convenience.

Every investing action, however, touches MiFID suitability and reporting rules, so the bank could not simply ship a slick app without embedding compliance into it.

Clients wanted to see and act on their portfolios from a phone, but every screen touched MiFID suitability and reporting rules. The regulatory surface ran through the entire experience, not just a few edge cases.

A naive app would either frustrate clients with clumsy compliance friction or breach the regulatory boundary. Getting either wrong would damage trust in a relationship built on it.

The bank needed a genuinely engaging mobile experience that kept every action inside its regulatory obligations. Delight and compliance had to be reconciled, not traded off.

We built native apps for performance and platform feel, with suitability and disclosure designed into each journey rather than added as blocking pop-ups. Weaving compliance into the flow is what keeps it from feeling like an obstacle.

A reporting layer records every client action inside the compliance boundary, so the audit trail is a by-product of normal use rather than a separate burden. Compliance and usability reinforce each other instead of competing.

That let us make the experience fluid without ever stepping outside MiFID rules, and we validated the suitability flows with the bank's compliance team before launch. The app shipped both engaging and defensible.