Today consumers demand delivery of financial services anytime and anywhere, and their needs and desiresudare evolving rapidly. The World Wide Web provides a rich channel for distributing customized services to audrange of clients. An Internet-based system developed by Prometeia S.r.l. for Italian banks—both traditionaludand e-banks—supports consumers and financial advisors in planning personal finances. The system providesudadvice on allocating personal assets to fund consumers’ needs, such as paying for a house, children’s education,udretirement, or other projects. State-of-the-art models of financial engineering—based on scenario optimization—uddevelop plans that are consistent with clients’ goals, their attitudes towards risk, and the prevailing views onudmarket performance. The system then helps clients to select off-the-shelf financial products, such as mutualudfunds, to create customized portfolios. Finally, it analyzes the risk of portfolios in terms that are intuitive forudlaypersons and monitors their performance in achieving the target goals. Four major banks use the system toudsupport their networks of several thousand financial advisors and to reach tens of thousands of clients directly.
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